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The best hand sanitizers to buy when Purell is out of stock


If you can't wash your hands properly with soap and water, you need an effective hand sanitizer with at least 60% alcohol. When the novel coronavirus pandemic hit, the humble hand sanitizer became essential to help prevent the spread of the virus when handwashing was not an option. As the pandemic continued, sanitizers from household brands like Purell sold out even before they hit the shelves. 

While Purell remains a gold standard of hand sanitizers, the stock is questionable at best. We spoke with a brand rep about the volatile stock and focused on hand sanitizers that are all readily available online or in stores so you can keep yourself protected when hand washing isn't possible. You can read about how we tested them at the end of the guide. All of the products in this guide meet the CDC's standards and FDA's guidelines for effective hand sanitizers and do not contain methanol or 1-proponal, which are toxic to humans and have been found in certain formulas. FAQs on these topics are also at the end of our guide.

Over the course of several weeks, I tested more than a dozen brands and 47 different types of hand sanitizer from gels to sprays wipes against a specific series of tests to help you find the best hand sanitizer. 

These are the best hand sanitizers:

The best hand sanitizer overall

Palmpalm Hand Sanitizer Gel meets CDC sanitizing standards for an effective hand sanitizer with 70% ethyl alcohol and is offered as a gel, spray, or wipe in a variety of sizes.

At 70% ethyl alcohol, Palmpalm Hand Sanitizer Gel meets the CDC requirements for an effective hand sanitizer. Similar to how you'd use Purell, you rub the gel on your hands until they're dry. This took around 20 seconds during my testing and the additional glycerin left my hands feeling soft without any stickiness or irritation. While I often prefer an unscented product, the cucumber melon scent is light and dissipates quickly.

Palmpalm is available in multiple sizes and as a gel, spray, or wipe on the brand's website and Amazon. While safe for use by children, as with any hand-sanitizing product, care should be taken to keep it out of reach to prevent swallowing.

Palmpalm was founded in response to the novel coronavirus pandemic and was first supplied to essential workers. As the pandemic continued and shortages for hand sanitizers grew more apparent, the company expanded to sell products to the public. The company operates and controls its own supply chain so it's able to create and sell its hand sanitizers without going through a separate manufacturer and experiencing bottlenecks in the process. 

Pros: Contains 70% ethyl alcohol, dries quickly, gentle on hands, non-sticky, available in multiple formats and on multiple sites, reasonably priced, made in the US 

Cons: Not available in brick and mortar stores 

Best hand sanitizer spray

Bare Hands Hand Sanitizer meets the required amount of ethyl alcohol needed to kill germs while being gentle on hands. The continuous spray covers hands easily and dries quickly.

Bare Hands Hand Sanitizer is available in gel, pump spray, and continuous spray formulas. I tested all three variations and was impressed with the continuous aerosol spray the most. 

The formula contains 62% ethyl alcohol to kill bacteria, as well as aloe and glycerin to prevent dry skin. While the gel and pump spray work well, the continuous spray is quicker to use and provides more thorough coverage to hands with less rubbing. I found the spray especially easy to use for my two-year-old grandson, providing an even coating of sanitizer to his hands that dried in around 10 seconds. There is a distinct scent of alcohol but it dissipates quickly.

If the name sounds familiar, it's because Bare Hands is developed by the sunscreen brand Bare Republic. All of its products are dermatologist-tested, paraben-free, and not tested on animals. Products are available online as well as in many drug and grocery store chains.

Pros: Contains 62% ethyl alcohol, easy-to-use spray mist for complete coverage, dries quickly, gentle on skin, widely available

Cons: Overspray from the product during application may cause discoloration of some non-colorfast fabrics

Best hand sanitizer for dry skin

Sunytizer Hand Sanitizer with Aloe Vera contains 70% ethyl alcohol to sanitize hands but leaves them so moisturized that you may want to use it instead of hand lotion.

When I first looked at the bottle of Sunytizer Hand Sanitizer, I wasn't impressed. The label isn't eye-catching and the gel pump packaging is basic — and then I gave it a try.

The 70% ethyl alcohol level takes care of the germs on my hands and the glycerin and aloe formula leaves my hands feeling soft and moisturized. I have dry skin, so constant hand-washing and repeated use of some hand sanitizers have left them feeling rough in the last few months, but Sunytizer has taken care of that.

Sunytizer was developed by a skincare lab in California, which explains the use of hydroxethylcelluose — a thickening agent used in many skincare and personal lubricating products. I found the product to be so soothing that I use it as a balm after washing my hands. The large bottle and pump make it perfect for sitting next to the sink or on a desk, and it's easy-to-use. The gel is not runny, spreads easily, and dries within 20 seconds. My hands were a little sticky when they were still damp, but the stickiness was gone once my hands were dry. The citrus scent is not over-powering and dissipates quickly.

Pros: Contains 70% ethyl alcohol, leaves skin feeling moisturized, paraben and sulfate-free, never tested on animals, made in the US

Cons: Only available in a 15.2 fl. oz. bottle

Best hand sanitizer for travel

Touchland Power Mist is sleek, compact, and delivers the sanitizing power you need when traveling or running errands.

The first thing I noticed about Touchland Power Mist was the dispenser. While other hand sanitizers are presented in round spray or pump bottles, or squeezable tubes, Touchland's dispenser is flat and rectangular, like a thicker version of a smartphone. You can even purchase a silicone case with a keyring to loop around your purse, pocket, or backpack.

Containing 67% ethyl alcohol, the hand sanitizer is effective in killing germs. It comes in eight scents — mint, watermelon, forest berry, lavender, citrus, vanilla cinnamon, aloe vera, and neutral. Each scent contains aloe and essential oils that leave hands feeling moisturized and lightly scented. The sanitizer dries in under 10 seconds and the fine mist allows you to easily spray all of the nooks and crannies of your hands. Each container promises 500+ spritzes, but you'll need three or four per application to fully coat your hands.

While a bit more expensive than other hand sanitizers, the convenience and moisturizing qualities make it the best for travel, or more realistically, running errands. 

Touchland was created in 2010 in Barcelona and became available stateside in 2017. It was among the first to revamp what hand sanitizers could look like as it distinguished itself from a sea of household brands like Purell. We had positive experiences when we first tested Touchland in 2019, which you can read here.

Pros: Contains 67% ethyl alcohol, dermatologically tested, conveniently-sized container, eight scents available, moisturizing formula

Cons: Overspray from the alcohol in the product may cause discoloration of some fabrics

Best hand sanitizing wipes

Oars + Alps Hand Sanitizing Wipes provide gentle but effective cleaning with 65% ethyl alcohol and more protection than standard wet wipes.

Disinfecting wipes for hard surfaces have been difficult to find during the pandemic and so have sanitizing hand wipes. Those that are available are usually saturated with 100% alcohol that leaves hands extremely dry and rough, or benzalkonium chloride, an antimicrobial which according to the CDC may have less reliable activity against certain bacteria and viruses than alcohol-based products. Oars + Alps Hand Sanitizing Wipes offer the germ-killing properties of 65% ethyl alcohol combined with aloe in a soothing wipe.

When comparing different brands of wipes, I took into account the size of the wipe and the cost per piece. At this price, Oars + Alps wipes are around 24 cents each and a generous 6 by 8.5 inches that can deliver a substantial amount of product to both hands. They are presented in a resealable pouch that is perfect for a diaper bag, purse, or car. The wipes are fragrance-free and leave your hands dry and moisturized in around 10 seconds.

Oars + Alps is an S.C. Johnson company best known for its natural skincare line that's formulated for on-the-go lifestyles. Most of the items are packaged in stick form, or in this case, as wipes, making them more convenient than tubes or bottles that can burst and cause a mess. 

Pros: Contains 65% ethyl alcohol, fragrance-free, moisturizing, large sheets, quick drying

Cons: Can dry out if not resealed properly

What else we recommend

We tested 47 hand sanitizers and picked five to be among the best after analyzing performance. Some of them just missed the cut based on our rankings of performance, ingredients, delivery method, availability, and in the case of wipes, cost per use. While the following were not selected as being among the best, they're all effective hand sanitizers and we'd still recommend them.

Clean Drops: This is an effective hand sanitizer that contains 78% ethyl alcohol. It dries quickly and doesn't dry out my hands, and it's unscented, affordable, and has easy-to-use leak-proof packaging. It's not the best hand sanitizer overall because it's only offered in one small size and does not have a spray or wipe variety. The brand is made in the US and distributed by Look Beauty Inc., a Toronto based company that also owns skincare brand Masque Bar.

Hello Bello Hand Sanitizer Spray: Co-founded by Kristen Bell and Dax Shepard, Hello Bello's Hand Sanitizer Spray meets CDC standards for an effective hand sanitizer, does not dry skin, and is offered in a delicate Apple Blossom scent or unscented. It was a strong contender for the best spray but was not available in as many formats or outlets as Bare Hands. The product is readily available on the Hello Bello website and at Walmart. 

Noshinku Bergamot Hand Sanitizer: The size of a credit card and only slightly thicker, the sleek Noshinku Bergamot Hand Sanitizer can easily slip into a pocket. Made with 70% ethyl alcohol; moisturizing oils like jojoba, argan, and coconut; and scented with Italian bergamot, this sanitizing mist will leave hands moisturized and well-perfumed. This hand sanitizer brand was created in 2018 and each sprayer has 300+ spritzes, though you'll still need at least three or four to cover both sides of your hand. The price point is too high to be selected as the best hand sanitizer for dry skin.

Welly Clean Hands: Welly is best known for first aid products and one of them is Welly Clean Hands. The sanitizer gel contains 66.5% ethyl alcohol and comes in single-use packets that are perfect for tossing in a purse, briefcase, or backpack. Although it takes two hands to open the packet, the size and convenience make it a good travel choice that will leave your hands clean in around 20 seconds with no bulky dispenser.

Poo-pourri Sanitizing Wipes: The brand made its name in masking bathroom odors and now it's wiping out germs with 65% ethyl alcohol hand wipes. While gentle on the skin, the wipes are only available in a lavender scent and are a bit smaller than Oars + Alps wipes. They are offered in a 20-count resealable pouch at around 24 cents per wipe.

What else we considered

Of the hand sanitizers we tested, there were several that we didn't consider to be among the best due to a variety of reasons — limited availability, limited sizes, and more. Here are the items we tested that didn't make the cut. 

Bravo Sierra Hand Sanitizer: This meets all of the CDC hand sanitizer standards for an effective sanitizer and comes in a squeeze bottle. The gel dries in 15 seconds and leaves hands somewhat moisturized. It has been field-tested by 1,000 US service members and 5% of the proceeds go toward the military's Morale, Welfare, and Recreation program. The company was founded in 2018 and is known for military-inspired unisex grooming products, you can read our review of its products here. Wider availability would have moved it into a contender for the best hand sanitizer overall. 

Baby Bum Hand Sanitizer Spray: This spray delivers a fine mist of effective hand sanitizer with 62% ethyl alcohol and a light coconut scent. The product is tested by pediatricians for use by children, contains additional plant-based ingredients for hydration, and is hypoallergenic. Baby Bum is a sister-brand of Sun Bum, the popular sunscreen brand. This would have been a top contender for the best spray if there were more variety in sizes, a lower price point, and wider distribution.

Olika Hydrating Hand Sanitizer: The first thing that you'll notice about Olika Hydrating Hand Sanitizer is the dispenser — it's shaped like a bird. Once you get past the cute packaging, the hand sanitizing mist kills germs with 65% ethyl alcohol and moisturizes with aloe. It also comes in a travel version with a carabiner for purse or backpack straps, and a large refill bag. While refills are available for the cute dispenser, the higher price point took it out of the running for best hand sanitizer spray or best travel hand sanitizer. We tested the brand back in 2017 when its hand sanitizer included dry wipes in the base so you could make your own wipes with the spray.

NudeStix Antibacterial Hand Gel: Many skin-care and beauty companies have started developing hand sanitizer because it contains ingredients you'd normally find in cosmetics — alcohol. Among them is NudeStix, a brand best known for makeup products that come in convenient pencil form. In addition to the 62% ethanol alcohol for an effective sanitizer, NudeStix Hand Gel also provides soothing moisturizers from natural plant extracts and oils. The gel is offered in a pump bottle or in a travel pouch complete with a keychain to attach to straps. Unfortunately, the hand sanitizer is only available on its own site or at Sephora, a specialized beauty store.

Green Goo Hand Sanitizer: It may not have the most appealing name but the product has 70% ethyl alcohol content to kill germs. It's available in scents like aloe and lavender. The brand is a women-owned business that makes plant-based first aid and body care products. This was another strong contender for the best hand sanitizer for dry skin, but stock is limited to its own site or Amazon through its own storefront, and not via Prime. 

Earth to Skin Hand Sanitizer Gel: This is affordable and effective with 72% ethyl alcohol content. It doesn't contain sulfates or parabens and is never tested on animals. Earth to Skin is one of Walmart's in-house brands, and it usually makes beauty products. Since it's only found at Walmart, it's a little more limiting than others we've tested, and it's only available as 2-ounce bottles or 1-gallon jars.  

Grove Collaborative Hand Sanitizer Gel: Online retailer Grove Collaborative has started to make its own products, and one of them is hand sanitizer with 62% ethyl alcohol. It comes in several scents including blood orange, pear, and watermelon in two sizes. A separate holder can be ordered to hold the travel size securely to straps. It's available only when you join Grove Collaborative, so there was a barrier to entry.

How we tested hand sanitizers

Knowing that many legacy brands of hand sanitizers like Purell or Germ-X are low in stock in stores and online, we decided to only test ones that were more readily available for this update. After assessing availability, I tested 47 hand sanitizers across a wide spectrum of brands, prices, and formulas — including wipes, gels, and sprays.

I used a different hand sanitizer at least three times each day for several weeks while on the go and when working at my desk. I took into account how the product was formulated (as a gel, spray, or wipe), how easy it was to use, and how long it took the hand sanitizer to dry on my hands. I also noted how it felt when first applied and how my hands felt after the product dried.

I also researched each product to determine if it met the amount of alcohol for an effective hand sanitizer according to the CDC guidelines and FDA guidance, and made sure that they were not on the recall list of dangerous products (more below). All of this data was noted onto a spreadsheet and carefully analyzed before making the final selections of the best hand sanitizers.


Why Purell is not included in our guide
hand sanitizer

While shortages and price gouging of legacy hand sanitizer brands like Purell have occurred, we've excluded them from our guide for now until they're more readily available online and in stores.

"We have been producing Purell Hand Sanitizer at more than double pre-pandemic levels since February, however, we recognize that access has been limited for consumers," said Samantha Williams, senior director of corporate communications at GOJO, which produces Purell. "This is because of the urgent need to supply these essential products to hospitals, first responders, and other places where they play a critical public health role." Williams told us that despite retailers limiting quantities to ensure everyone has equal hand sanitizers, the brand has shipped more products to its retail partners in October than any other month. They've also increased production space to ramp up production efforts over the next six months. 

When should you use a hand sanitizer?
hand sanitizer

We consulted  Tania Elliott, MD, who specializes in infectious diseases related to allergies and immunology for internal medicine at NYU Langone Health, on how to use hand sanitizer correctly.

Washing your hands with soap and water for at least 20 seconds is best to remove germs and prevent the spread of any virus. But if you're in a situation where you can't easily wash your hands such as traveling, commuting, or running errands, then hand sanitizers are a viable option. Use a sanitizer that contains at least 60% ethanol (sometimes seen as ethyl) or at least 70% isopropyl (or isopropanol) alcohol, though it's important to note that hand sanitizers are not able to kill all types of germs or remove harmful chemicals like pesticides and heavy metals, according to the CDC. Alcohol-free sanitizers that rely on other ingredients are not effective in killing germs like norovirus and coronavirus.

How to use hand sanitizer correctly

More important than using an effective hand sanitizer is to use it correctly. If your hands are dirty, greasy, or heavily soiled, sanitizer alone will not be effective. Elliott suggests wiping your hands off with a paper towel or rinsing with water if that's available before doing a double application of hand sanitizer. This helps it remove most of the grime so the sanitizer can be effective.

Once your hands are visibly clean, use at least a quarter-sized dollop of gel or enough sanitizer spray to completely cover both sides of your hands each time. Rub it in for about 20 seconds paying attention to the areas between fingers and under your nails until your hands are dry — don't wipe it off.

Warnings about hand sanitizer safety and deceiving advertising
kid hand sanitizer coronavirus

The FDA has found that some hand sanitizers sold to consumers contain methanol or 1-propanol. According to the FDA, both ingredients are not acceptable for use in hand sanitizers because of toxicity to humans. They can cause serious side effects when absorbed through the skin and can cause blindness or death when swallowed.

Some hand sanitizers are also being packaged to look like food and drinks and include dyes and flavors, which can deceive shoppers into accidentally ingesting them. Any type of hand sanitizer can be toxic if ingested and we do not advise that anyone ingest hand sanitizer. Keep all hand sanitizers out of the reach of children under the age of six and do not use them on or near the eyes. Read the full list of brands to avoid here.

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Starlink's internet satellite public beta costs $600 upfront, SpaceX says — and some users are dropping even more for better equipment

elon musk
SpaceX founder Elon Musk.
  • SpaceX's public beta test for Starlink, its satellite internet project, will cost $600 upfront, it said in an email Monday that was then posted online by Reddit's Starlink community.
  • The "Better Than Nothing Beta" costs $99 for an ongoing monthly subscription, plus $499 for a kit containing a tripod, WiFi router, and terminal to connect to the Starlink satellites.
  • Speeds will vary from 50 Mbps to 150 Mbps, SpaceX said.
  • Some users are already spending more on fancier gear: One Reddit user said they had splashed an extra $100 on a sturdier mount. 
  • Visit Business Insider's homepage for more stories.

SpaceX is asking people to spend $600 upfront for the public beta of Starlink, its satellite internet service — and some users have already said they'll spend more for a better setup.

SpaceX, the aerospace company founded by Elon Musk, sent an email on Monday to people who showed interest in signing up for the service, laying out the costs and projected internet speeds. The email was promptly posted by Reddit's Starlink community.

The monthly subscription for SpaceX's service, known as the "Better Than Nothing Beta," is $99.

It costs a further $499 for the Starlink Kit, which includes a mounting tripod, WiFi router, and a terminal to connect to the satellites. 

In the email, SpaceX said: "As you can tell from the title, we are trying to lower your initial expectations.

"Expect to see data speeds vary from 50Mb/s to 150Mb/s and latency from 20ms to 40ms over the next several months as we enhance the Starlink system. There will also be brief periods of no connectivity at all."

The company has also released a Starlink app on the Google Play and Apple iOS app stores.

Some users have already said they're willing to pay for extra equipment.

One Reddit user who received the email said: "Placed my order that came to nearly $600 after shipping ($50) and tax. Then I had to place a second order for the ridgeline mount for another $100. Worth it!"

Another expressed interest in a more permanent tripod for the kit. "The tripod mount sounds interesting, sort of temporary to find a good installation place," they said.

SpaceX sent the email to an unspecified number of people who had expressed their interest on the Starlink website.

Nearly 900 Starlink satellites are currently in orbit as part of the planned high-speed internet network. SpaceX is planning to launch a full public beta test in North America shortly.

Musk's firm has begun testing the service in northern US and southern Canada. The most recent development is that SpaceX agreed to provide free internet via Starlink's satellites to 45 families in a Texas school district

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A professional drifter explains the physics behind drifting

  • Drifting a car looks simple but it's technically difficult, whether as a pastime or a profession. 
  • Leona Chin, known as Malaysia's "Queen of Drift," is a professional motorsports athlete and physics-aficionado. 
  • She explains the concepts behind drifting, including how friction between a wheel and track move a car left or right around a bend, and how to use speed and steering angle to overcome center- to slide.
  • Visit Business Insider's homepage for more stories. 

Following is a transcript of the video.

Narrator: Drifting, the most exhilarating and mesmerizing exhibition of style and control while driving a car. Drifting is graceful, simple even, in appearance. But inside the car, there is a riot of activity as the driver wrestles with steering angle, braking, and wheel speed to throw the car in an unnatural position: sideways. For those of us that haven't had a chance to push a car to its limit, drifting is hard to comprehend. So we reached out to an expert for help.

Leona Chin: Why do people drift? You want to just demonstrate the supreme car control in showing that you can drive better and more spectacularly than the guy next to you. Think of drifting like an art. Drifting is like dancing. People judge you by how nice you did the dance and how good the angles of your drifting skills are.

Narrator: That's Leona Chin. She's a decorated motorsports veteran of over 10 years with experience in rally, circuit racing, endurance racing, gymkhana, autocross, drag, off-road, and go-kart. She's the driver behind mega-viral prank videos and the Most Inspiring Female Motorsports Athlete as voted by the Motorsports Association of Malaysia. To those who know of her motoring exploits, she goes by another name: the Queen of Drift.

Leona helped us understand how drifting works from a science perspective.

Leona: According to Newton's first law is the law of inertia that states that when an object is moving, it wants to keep moving the same way, and it resists any changes to that motion unless there is an external force causing a change. Thus, in this case, the car's natural tendency is to go straight. When the car's steering wheel is turned, then there is an external force.

Narrator: That force is the friction between the tires and the track, also called traction. When you turn the wheels, some of that traction is angled perpendicular to the car's velocity. So instead of moving in a straight line, the car begins to follow a curved path. But this is not drifting. This is what happens during a normal turn.

So when does a turn into a drift? When you overcome the friction between your tires and the road. And you do that by entering a curve at an unusually sharp angle or an abnormally high speed. Think of a car moving on a surface where the force of friction is very low, like on ice. A driver may turn their tires in order to avoid an obstacle like a stopped car, but the traction between the ice and the tires is so low that it's easy to overcome it. The car is in a slide.

The same thing happens when a driver takes a curve too sharp or too fast on an asphalt racetrack.

Now, a regular driver probably wouldn't know what to do during a slide and would likely lose control and go off the road. But professionals like Leona Chin can turn that slide into a drift by taking back control of the car. How? By turning the driving wheel in the opposite direction of the bend. Turning the wheel changes the direction of the friction force from the skid. That can change the direction of the skid itself. And if you know exactly how fast to hit the curve and exactly how to turn the steering wheel, you'll make drifting look easy. Even though it's anything but.

Leona: So simply put, you need to balance the amount of traction you lose on the rear wheels and balance the wheel speed and slide constantly through a drift.

EDITOR'S NOTE: This video was originally published in June 2019.

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Reagan's FBI director and 19 other former GOP-appointed US attorneys endorse Biden, saying Trump is 'a threat to the rule of law'

Democratic presidential nominee Joe Biden departs Delaware for a campaign swing through Georgia.
  • A group of 20 former Republican US attorneys endorsed Democratic presidential nominee Joe Biden on Tuesday, calling President Donald Trump "a threat to the rule of law," according to the Washington Post.
  • One of the most prominent signatories is William H. Webster, served as both FBI and CIA director under former president Ronald Reagan.
  • The letter is the latest in a series of high-profile GOP endorsements for Biden, who has stressed the need for unity and bipartisanship throughout his entire presidential campaign.
  • Visit Business Insider's homepage for more stories.

A group of 20 former Republican US attorneys, including a FBI and CIA director under former president Ronald Reagan, endorsed Democratic presidential nominee Joe Biden on Tuesday, calling President Donald Trump "a threat to the rule of law" in an open letter.

"The President has clearly conveyed that he expects his Justice Department appointees and prosecutors to serve his personal and political interests," wrote the former US attorneys. "He has politicized the Justice Department, dictating its priorities along political lines and breaking down the barrier that prior administrations had maintained between political and prosecutorial decision-making."

The letter was signed by appointees from a long line of Republican presidents, from Dwight D. Eisenhower to George W. Bush. Two of the most prominent signatories are William H. Webster, who was a US Attorney for the Eastern District of Missouri from 1960 to 1961 and served as both FBI and CIA director in the Reagan administration, and William Weld, who was a US Attorney for the District of Massachusetts from 1981 to 1986 and  state's governor from 1991 to 1997. 

In April 2019, Weld announced his candidacy to challenge Trump in the 2020 GOP presidential primary, but he suspended his campaign this past March.

The letter continued with praise of Biden's leadership, with the prosecutors saying that the state of the judiciary would be starkly different under the former vice president.

"In contrast with President Trump, former Vice President Joe Biden has devoted his career to supporting law enforcement, protecting the independence of the Justice Department, and working to ensure that the federal government exercises its law enforcement powers fairly and impartially and in the interests of all Americans," the attorneys continued in the letter. "Joe Biden understands that unity – and not division – is the key to meeting the challenges that our country is facing."

The letter represents the latest in a series of GOP endorsements for Biden, from members of the anti-Trump Lincoln Project to dozens of former GOP members of Congress to former Republican National Committee chairman Michael Steele.

This past August, dozens of Republican national security officials wrote an open letter where they announced their support for Biden over Trump, according to the Washington Post.

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Yes, Hulu streams in 4K, but only on certain devices — here's a full guide

You can watch 4K programming on Hulu if you have a compatible streaming device.
  • Hulu does have 4K programming, but due to a number of limitations, most users will only get HD content.
  • Currently, only five devices support Hulu in 4K, including certain Apple TV devices, and the Amazon Fire TV. 
  • The amount of 4K content is also quite limited, restricted to some of Hulu's flagship original content.
  • This story is a part of Business Insider's Guide to Hulu Tips and Tricks.

4K is becoming more and more common nowadays. So you'd be forgiven if you thought that Hulu offered 4K programming by default on all of its streaming apps.

However, this isn't the case — to watch in 4K on Hulu, you'll need to be using a specific streaming device, and watching one of a select set of shows and movies.

Here's what you should know.

Which devices can display Hulu in 4K

Unlike some other streaming services, Hulu only supports 4K video on a narrow set of devices. These are the media players which can show Hulu in 4K:

If you don't have one of those devices — like if you're using a Roku media device, for example — the highest resolution you can watch in is HD. 

The content that Hulu broadcasts in 4K is limited

If you have a compatible device, the selection of 4K content is relatively slim. There's no official list of what content is available in 4K — Hulu says on its website that "at this time, [4K content is] limited to a select list of programming, including most Hulu Originals." 

Altogether, not many shows or movies on Hulu are available in 4K resolution.

Unfortunately, that's an optimistic spin on the current state of 4K on Hulu, which currently appears to be limited to the service's highest profile originals, like "The Handmaid's Tale." 

So while you can find 4K video if you look through Hulu's original programming, most content on the service is only available in HD. 

Related coverage from Tech Reference:

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Trump's Mar-a-Lago resort charged US taxpayers $3 for a glass of water

Trump drinking water on 60 minutes orange tan white hands
Trump on 60 Minutes
  • President Donald Trump's golf club in Florida once charged US taxpayers $3 for a glass of water when he was hosting Japanese Prime Minister Shinzo Abe, the Washington Post reported.
  • When the two men met in April 2018, the resort charged the US government $13,700 for rooms, $16,500 for food and wine, and $6,000 for floral arrangements, the Post reported.
  • Tuesday's report is the latest example of how Trump's businesses have made millions from taxpayers and the president's supporters since he took office.
  • Visit Business Insider's homepage for more stories.

President Donald Trump's Mar-a-Lago golf club in Florida once charged taxpayers $3 for a glass of water, the Washington Post reported.

The water was billed as part of a "bilateral meeting" when Trump hosted Japanese Prime Minister at the resort in April 2018. In all, when the two men met, the Post reported that Mar-a-Lago charged the US government $13,700 for rooms, $16,500 for food and wine, and $6,000 for floral arrangements.

The Post's report about the meeting is the latest example of how Trump's properties have made millions off of the US government since he took office in 2017. To date, according to the Post, the president's businesses have made $8.1 million off the taxpayers and Trump's supporters since then.

Legal and ethics experts have long sounded the alarm about Trump's personal interests being entwined with his presidency, and he has been sued multiple times after being accused of violating the Constitution's emoluments clause, which bars public officials from receiving gifts or cash from foreign governments without congressional approval.

In May, the 4th Circuit Court of Appeals in Richmond, Virginia cleared the way for an emoluments lawsuit that the Maryland and Washington, DC attorneys general filed against Trump to move forward.

Trump's personal defense lawyer, Jay Sekulow, told Politico that the president's legal team would take the case to the Supreme Court, adding, "We disagree with the decision of the Fourth Circuit. This case is another example of presidential harassment."

The Washington, DC, Circuit Court of Appeals dismissed a lawsuit in which congressional Democrats accused Trump of violating the emoluments clause. And in September 2019, a three-judge panel on the 2nd Circuit Court of Appeals in New York resurrected a 2017 lawsuit alleging that Trump violated the provision through his Washington, DC, hotel and other properties.

The president, for his part, has brushed off the allegations, saying to reporters last October, "You people with this phony emoluments clause."

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Best Buy has announced some of its early Black Friday deals — here's what's on sale now and what to expect on November 27


When you buy through our links, we may earn money from our affiliate partners. Learn more.

Black Friday 2020 Best Buy Deals   4x3

Black Friday shopping will look different this year compared to past ones. Instead of camping out in front of stores and braving the crowds and lines, you'll probably be better off staying home to shop. Luckily, you can still count on finding deep discounts from large retailers like Best Buy on tech, smart home gadgets, and more. 

Best Buy is offering many Black Friday discounts during its Prep for the Holidays Event well before the actual day on November 27. To help you get the best discounts this holiday season, we'll be highlighting the best deals both before and during Thanksgiving week.

Table of Contents: Masthead Sticky

Best early Black Friday 2020 deals

How do we select the best deals at Best Buy?

  • We only choose products that meet our high standard of coverage, from brands we've tested and trust.
  • We compare the prices against other retailers like Amazon, Target, and Walmart and only include the deals that are the same or better (not including promotional discounts that come from using certain credit cards).
  • We research price history thoroughly, to ensure that every deal we list is actually worth your time.

When does Best Buy's Black Friday sale start?

Black Friday 2020 is November 27 and Cyber Monday is November 30, but sales from many retailers, not just Best Buy, are starting now. Best Buy's Prep for the Holidays Event has already begun, during which My Best Buy members are guaranteed Black Friday pricing.

Should I become a My Best Buy member?

My Best Buy membership is free to join and can get you some exclusive discounts and perks — like the ongoing Black Friday price guarantee. If you're planning to shop from Best Buy at any time of year, we recommend becoming a member.

What is the Black Friday price guarantee?

Best Buy's Black Friday price guarantee assures that if you buy something before November 27 and the price drops lower later, you can receive a refund for the difference. However, there is one major caveat: this guarantee excludes Cyber Monday, November 30. If you buy something that drops to a lower price on Cyber Monday, you won't receive a refund for the difference. 

While this exclusion may sound like a deal-breaker, don't worry. If you see one of our posts about a deeply discounted item over Black Friday, chances are, Cyber Monday won't bring any significant price drops. Additional price drops tend to be less than 15% of the item's total value — an extra $10 off an Instant Pot, $5 saved on a Bluetooth speaker. Just don't buy anything at full price this Black Friday, and you should be safe from any significant buyer's remorse. 

What should I buy from Best Buy this Black Friday?

Year after year, Best Buy brings a ton of great discounts on every category it sells, and you can expect to find excellent deals on tech, smart home, gaming, and small home appliances.

Shopping for laptops, smartphones, tablets, and other tech is never more affordable than on Black Friday. Especially great deals we saw last year included price drops like the Microsoft Surface Pro 7 down to $600 (from $960), the 2019 Macbook Air down to $900 (from $1,100), and $400 off the Google Pixel 4. It's likely we'll see discounts this year from these brands and other major players in the category, like HP, Samsung, and Lenovo. 

Smart home deals also thrive during Black Friday, and 2020 will probably be the same. Of the many deals we saw last year, the ones that really stood out from Best Buy were $20 off the Google Home Mini, $50 off the Amazon Echo Show 8, and $30 off the Lenovo Smart Clock. Whether you prefer Amazon Alexa or Google, you can look forward to deeply discounted smart speakers and smart-assistant compatible tech, like smart bulbs and switches, throughout the event.   

Not only can you bank on finding game titles for every console on sale over Black Friday, but older generation consoles tend to drop in price too — usually when bundled with controllers and games. Don't get your hopes up if you're looking for discounts on new consoles like the upcoming PS5 and the Xbox Series X, but older and budget models are typically on sale. 

If you're going to buy a stick vacuum, electric pressure cooker, or other small appliance, Black Friday is the time to do it. Last year we saw $200 off the Dyson V10 Animal, $270 off the Kitchenaid Professional Stand Mixer, and $40 off the Instant Pot Duo Nova 6-quart. Countertop appliances and vacuums of every type (upright, stick, and robot) drop to the best prices we see all year over Black Friday, so if you've been waiting for a sign to buy a waffle maker this year, this is it. 

Can I shop in the Best Buy near me?

Black Friday shoppers can visit Best Buy locations to take advantage of these early Black Friday deals — a stark contrast to Amazon. The retailer also has extensive safety protocols for shopping in stores, including requiring customers and employees to wear face masks and limiting the number of visitors.

Better still, Best Buy offers contactless curbside pickup, store pickup, in addition to same-day and next-day delivery options. This means that if the product you want is in-stock at a location near you, you can just pick it up instead of waiting for it to ship.

How does Best Buy stand up to the competition on Black Friday?

Compared to other major retailers like Amazon, Walmart, and Target, Best Buy is sure to offer solid, competitively priced deals for Black Friday. You can expect a lot of overlap between these stores, and oftentimes if something is out of stock from one retailer, it's still in stock at another. 

Shopping at Best Buy may be the best option for you if you live close to one for curbside pickup or if you're a My Best Buy member with an exclusive discount. Following the trend of past years, Best Buy will most likely bring strong tech and gaming deals — and you may be surprised at its home and kitchen deals as well.

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Legendary investor Mark Mobius says the S&P 500 is forming a 'dangerous' double-top pattern as investor concern grows about a hung election

Mark Mobius
  • Investing legend Mark Mobius told CNBC on Tuesday he sees a dangerous double-top forming in the S&P 500 as investor concern about a hung election grows. 
  • A double-top is a bearish reversal pattern that tends to occur at or near the high of a security. 
  • The founding partner of Mobius Capital Partners said investors around the world are watching the US election closely, "because they know a downturn in the US market will affect everybody." 

Investing legend Mark Mobius told CNBC that the S&P 500 is forming a "dangerous" double-top pattern as investors grow worried that the US election may be contested.

A double-top is a bearish reversal pattern that tends to occur at or near the high of a security. The security surges, dips, then surges back near the same level. If the price then falls below the support level reached during the intermittent dip, the double top is confirmed. 

"It is interesting if you are a technician, you look at the S&P 500 and it looks like a double top is forming, which is quite dangerous," said Mobius. "So I think people are quite concerned not only about who will win, but whether there is going to be a hung election."

Read more: Nancy Zevenbergen has outperformed 99% of her investor peers over the last 5 years. She shared 5 tips for starting a successful growth fund — including ones adopted by fellow Wall Street titans Warren Buffett and Cathie Wood.

The S&P 500 hit a record closing high of 3,580 on September 2, then endured a sharp decline during the rest of the month. The benchmark index climbed back to a high of 3,534 points on October 12 but has now lost roughly 2% since then.

Screen Shot 2020 10 27 at 2.13.05 PM

The founding partner of Mobius Capital Partners said that the US election is having a "big bearing on the markets" globally. 

"I think a lot of investors, not only in the U.S. but around the world, are watching this very, very carefully because they know a downturn in the US market will affect everybody," he said. 

Mobius added that a Joe Biden victory may be bad for the US and international markets in the short term. In the long term, investors will need to wait and see what policy changes the former vice president enacts.

"If he decides not to impose tax increases, then that would be good for the markets, so we have to watch what the actual actions are once he gets into office, if he does get into office," said the investor.

Read the original article on Business Insider

A top exec at a $1.8 billion hedge fund asked his followers for their favorite election trades. Here are the best responses.

trump biden
  • With Election Day just one week away, some of Wall Street's top investors are sharing their blue-wave plays for all to see.
  • Joseph Mauro, the head of markets at the hedge fund Light Sky Macro, asked his Twitter followers what their first trade would be if Florida were called early and pointed to an "overwhelming" Democratic sweep.
  • Here's how Mauro's followers, from former hedge-fund giants to finance-Twitter fans, replied.
  • Visit Business Insider's homepage for more stories.

Wall Street is finalizing its election-night bets. Some are sharing their insights in client-exclusive analyst notes and strategy calls.

Others are sounding off in a Twitter thread.

Joseph Mauro, the head of markets at the hedge fund Light Sky Macro, asked his 5,353 followers on Sunday what their first postelection trade would be if Florida were called early and pointed to "the most overwhelming blue wave in the history of American politics."

The hypothetical is far from unlikely. Recent polls have found former Vice President Joe Biden with a healthy lead and have suggested that Democrats could take control of the Senate. An early reading from Florida is also within the realm of possibility, as the swing state is among those where mail-in ballots can be counted ahead of Election Day.

Here's how Mauro's followers, from Wall Street titans to finance-Twitter loyalists, said they planned to invest should Florida's results point to a Democratic sweep.

Light Sky Macro managed $1.8 billion in assets as of December 31, according to a regulatory filing.

Read more: Bank of America's restaurant analyst told us the 7 stocks that will thrive as frigid winter weather rocks the industry — and broke down the factors that could hurt certain popular destinations

The professionals

"Fade the consensus Blue Wave trades. i.e. buy bonds and buy dollars." — Raoul Pal, the founder and CEO of Real Vision Group and Global Macro Investor

"Long MXN." — Paul McNamara, the investment director at GAM Investments, referring to the Mexican peso

"Sell Bonds." — Mike Novogratz, a former hedge-fund manager and CEO of Galaxy Investment Partners

"Contrarian opinion- don't do anything- just stay calm. There will be a lot of vol anyway. Pickup when the dust settles." — Kunal Shah, a former Goldman Sachs analyst

The less-than-professionals

"Buy nasdaq fade macro portfolios." — @gpcap2

"Non-contrarian: MXN. Contrarian: short longer-dates breakevens and receive fwd inflation swaps. Stay away: gold, steepeners." — @policyerror

"Sell risk parity + don't sell the USD." — @McTeaguePeter

"Long CA and NY munis." — @SobchakCapital

Read more: 'I'm basically going to be long growth': Billionaire investor Chamath Palihapitiya has hauled in a 997% return since 2011. He details the 5 sectors shaping his long-term investment playbook.

The comedians

"Fading whatever is most-liked in your comments." — @FunkPhlex

"Tissue companies, they gonna make a killing." — @Lord_Ashdrake

"Invest in a good bourbon to celebrate." — @DocJDoe

Now read more markets coverage from Markets Insider and Business Insider:

A fund manager who 'aggressively pushed' Jeremy Grantham's GMO to launch its first climate change fund shares how to capitalize on clean energy before it's too late — including 4 top stock picks

Xilinx rockets 14% after finalizing agreement for $35 billion sale to AMD

Palantir will surge 31% as Wall Street realizes potential for breakneck profit growth, Morgan Stanley says

Read the original article on Business Insider

Dozens of eyeshadow palettes, liners, and primers are 25% off during this huge Ulta sale


When you buy through our links, we may earn money from our affiliate partners. Learn more.

nyx butter gloss colors lip gloss
  • Right now, Ulta is giving shoppers 25% off NYX bestsellers, including eyeshadow palettes, liners, primers, and so much more.
  • Sales from Ulta aren't rare, but it is less common to find sales on makeup for your whole face, from priming to finishing, from a popular brand like NYX Professional Makeup. 
  • The deals are only available online, but no code is necessary to reap the savings — shipping is also free if you buy $35 or more.
  • No Ulta membership is required, though it's free to become an Ultamate and rack up loyalty points.
  • We love the NYX Lip Lingerie collection, and while it's not currently included in the sale, many more of the brand's lip products are discounted. 
  • If you're looking for similar deals, check out these great sales on style, personal care, and beauty.

NYX Professional Makeup bestsellers are 25% off from Ulta right now, online only. The sale includes every part of the NYX lineup; your eyes, brows, lips, and face can all get some pampering at a discount. 

Ulta has sales all of the time, during every season, so this isn't a rare occurrence. What is uncommon, though, is seeing a household name like NYX so deeply discounted, with such a wide variety of makeup included in the sale. Shipping is free with orders of $35 or more, and you don't need to be an Ultamate (Ulta's loyalty membership) to save. 

One of our favorite drugstore lines, the Lip Lingerie collection, isn't included in the sale, but plenty of NYX's other lip collections are discounted right now from Ulta. We've highlighted some of our favorites from the sale below, or you can shop the whole brand sale here


Read the original article on Business Insider

The Skagen Falster 3 is the best Wear OS smartwatch, thanks to its minimalist Scandinavian style


When you buy through our links, we may earn money from our affiliate partners. Learn more.


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Crafted in partnership with Danish brand Skagen, and manufactured by the prolific Fossil Group, the Skagen Falster 3 combines the best of Google's Wear OS with capable hardware in an elegant design that's irresistible. 

This is not the best smartwatch around; that title goes to the latest Apple Watch., It's not even the best smartwatch for Android phone owners; that would be the Samsung Galaxy Watch Active 2. But, the Skagen Falster 3 has its charms. 

Is the Falster 3 worthy of a place on your wrist? I've been using it for a few weeks now, and I'm convinced it's the best Wear OS smartwatch currently available, but it does have its flaws.

Skagen Falster 3 specifications 

Dimensions: 1.65 x 0.43 inches (42mm case)

Display: 416 x 416-pixel color OLED

Processor: Qualcomm Snapdragon Wear 3100

Memory: 1GB

Storage: 8GB

Connectivity: Wi-Fi (802.11 b/g/n), Bluetooth LE, NFC

Sensors: Accelerometer, Altimeter, Ambient Light, Gyroscope, Heart Rate

Battery: 24 Hours

Water resistance: 3ATM


The Skagen Falster 3 is a gorgeous smartwatch. The round, stainless steel, 42mm case has a satisfying heft to it, but at 11mm thick it manages not to be too chunky. The slim, tubular lugs connect to a range of matching bands; I have the steel mesh band, but there are silicone and leather options. There's a rotating crown on the right, with two shortcut buttons flanking it.

When I first tried the Skagen Falster 3 on, I was impressed by the quality feel and look, which carries through to the wonderful array of Skagen watch faces. Spending more time with it has not dulled that first impression, and it's a smartwatch that has drawn admiring glances and compliments from friends and family. The OLED screen is 1.3 inches across, and it's sharp, bright, and responsive to touches.

I think the Skagen Falster 3 works better in a casual or work setting than it does at the gym, especially with the steel mesh band. My daily driver is usually the Samsung Galaxy Watch Active 2, but I will switch to the Skagen for social gatherings or work meetings because I love the way it looks. 

Setup and interface

Smartwatch HR Falster 3 Two Tone Leather Photo

To begin using your Skagen Falster 3 you need to download and install the Wear OS app for Android or iOS. I had some connection issues, possibly because I have a few Wear OS watches, and had to unpair and restart to get things working with my Pixel 4. 

The Wear OS interface is a bit clunky and there isn't much in the way of help if you're new to it. Some options feel as though they're buried quite deep in the settings. To access the Play Store and third-party apps you press the crown, while the two shortcut buttons can be configured for workouts or whatever else you like. You can also rotate the crown to swipe up and down, but it's a little too easy to go too far, so I prefer to swipe on screen. 

Many things on the Skagen Falster 3, from watch faces to tiles, are best configured via the app on your phone.

Performance and fitness tracking


Since it's packing the Qualcomm Snapdragon Wear 3100 processor and 1GB of memory (RAM), the Skagen Falster 3 is relatively slick and responsive. This is about as fast as swiping through screens or loading apps gets on a Wear OS device right now. 

Fitness tracking comes courtesy of Google Fit, and it's distinctly basic. The app tracks your steps and heart points, and you can set up heart rate tracking. There's also an option to record workouts, which features a long list of activities, from Aerobics to Zumba, but you must start and stop the tracking manually. Sadly, this process is cumbersome if you frequently engage in different activities, as only your last three are listed at the top. 

Google Fit also offers a range of breathing exercises to help you stay calm. Data on your wrist is basic, and even if you dig into the app on your phone you won't find much more. This is fine if you only have a casual interest in maintaining fitness, but if you want automatic activity tracking, coaching, or insights, then you'll be much better served by something like Samsung's Galaxy Watch Active 2.

The Google Fit app on your phone also lists sleep tracking, but you need a third-party app like Sleep as Android if you want to track it from your Skagen Falster 3.

I wore the Skagen Falster 3 for several workouts and it survived just fine. It is also 3ATM rated, so it can survive up to a depth of 30 meters. Mine has also been through the shower without any issues, though this is not recommended.

Google, third-party apps, and other features


The strength of the Wear OS platform is the Google integration. The Skagen Falster 3 has a microphone and speaker, so you can employ Google Assistant just as you would on your phone. It's generally a beat or so slower and sometimes fails inexplicably, but it is a handy thing to have on your wrist. I also appreciate Google Pay for contactless payments, while Maps offers the best navigation experience you can get on your wrist, and I use Google Keep for shopping lists, which syncs across your devices.

There are a lot of different third-party apps, including some options to beef up your fitness tracking data and lots of music apps. But, if you're not a big Google user, I don't think a Wear OS smartwatch is for you. 

One other function that the Skagen Falster 3 offers is the ability to take or make calls. It's surprisingly clear and serves well in a pinch, such as when you can't find your phone or when your hands are full.

If you want to listen to music from your watch, all the big streaming services are there. There's also 8GB of storage, and a few apps make it easy to transfer tracks for local storage, which enables you to leave your phone at home when you go for a run. There's also onboard GPS, so you can track your route.

Battery life


Skagen suggests 24 hours or more for battery life, but this is a little optimistic. Much depends on how you use your smartwatch and how many notifications come through. If you're playing music, running the heart rate sensor, and GPS tracking it's going to run out of steam quickly. 

For me, the Falster 3 is usually around 30% or below at bedtime, but there have been busy days where I've had to put it into power saving mode to get through the evening. I appreciate the option to set up a custom battery mode where you can finetune the functionality you want to switch off. I like to have the display set to always on and I feel the Skagen-designed watch faces, which are minimal and with dark backgrounds, don't just look great, they also help to squeeze the most from the battery.

Pleasingly, the Skagen Falster 3 charges up quite quickly, going from zero to 45% in just half an hour on the charger that comes in the box.

Cons to consider


If you have an iPhone, then buy an Apple Watch. Even the cheaper Watch SE will serve you better than a Wear OS device. Android watch connectivity problems with iPhones are common, there's no option to reply to messages from third-party apps, and iMessages don't come through at all.  

Sadly, I find glitches are quite common with Wear OS even with an Android phone, but they're not confined to the Skagen Falster 3. I like the ability to pause music or podcasts from my wrist, but frequently get lag that's enough for me to assume the press didn't register and press it again only to pause and immediately restart what I was listening to. 

Sometimes notifications will seem to come through several times in a row, but I think what happens is if you get an email alert that you ignore and then a new email comes in, it shows the original alert again because you haven't looked at it yet. These small issues mount up and drag down the overall experience.

The bottom line


With a classy, desirable design, a wide range of different features, and great integration with Google services, the Skagen Falster 3 is a smartwatch worth owning. It ticks all the boxes, from mobile payments to water resistance to GPS tracking. Skagen's design also carries through from the watch exterior and bands to the elegant watch faces.

What lets the Skagen Falster 3 down is the glitchy Wear OS platform and the shallow fitness tracking. 

Should you buy it? 

Yes, if you're an Android phone owner and frequently use Google services, the Skagen Falster 3 could be a great smartwatch for you.

Which model should you get?

The Skagen Falster 3 comes in a few different case and band combinations, and there's also the X by KYGO edition which is black with a silicone band. Pick the look that suits you best.

What are your alternatives?

If you have an iPhone buy the latest Apple Watch, or the SE if your budget won't stretch. Android phone owners should also look at the Samsung Galaxy Watch Active 2, which is a little cheaper and much better for fitness tracking. 

The Wear OS platform is long overdue for a major update, but if you're dead set on it, or perhaps you're used to it and looking to upgrade from an older model, the Skagen Falster 3 is the best Wear OS smartwatch currently available. 

Pros: Beautiful minimalist design, solid performance, can make or take calls, Google services

Cons: Wear OS is awkward, basic fitness tracking, quite expensive

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Congress has left town without passing a coronavirus aid bill. Now a 2nd round of $1,200 stimulus checks may have to wait until December.

Mitch McConnell.
Sen. Mitch McConnell
  • Congress has left town without passing another pandemic aid bill.
  • Negotiations between the White House and Democrats are ongoing, but the prospect of more coronavirus aid is uncertain during a "lame duck session."
  • The next deadline Congress faces is December 11, the date by which it must approve another spending bill to prevent a government shutdown.
  • Visit Business Insider's homepage for more stories.

Congress has left Washington without approving another coronavirus aid bill as virus cases surge across the nation and the economic recovery threatens to stall out.

The prospect for a coronavirus aid bill before the election all but dissipated when Senate Majority Leader Mitch McConnell adjourned the Senate after it voted along party lines to confirm Judge Amy Coney Barrett to the Supreme Court. The chamber will not reconvene until November 9.

"We'll come back in November," Senate Appropriations Chair Richard Shelby of Alabama told The Washington Post. "The question might be, will there be something then?"

Stimulus negotiations between House Speaker Nancy Pelosi and Treasury Steven Mnuchin are crawling along with very few signs of progress. Both sides are negotiating a roughly $2 trillion package that includes $1,200 stimulus checks, federal unemployment benefits, as well as small business aid.

The odds of congressional action in a "lame-duck" session is highly uncertain, given the election results may reshuffle priorities in both parties. Republicans largely oppose passing another large pandemic relief bill, citing the growing budget deficit.

"The lame-duck agenda depends largely on the outcome of the election," Sen. Ron Wyden, top Democrat on the Senate Finance Committee, told Bloomberg Tax. "If my choice wins — Vice President Biden — it's hard to see Mitch McConnell supporting another penny of stimulus."

The next deadline Congress faces is December 11, the date it must approve another spending bill to prevent a government shutdown. It could be another window of opportunity for lawmakers to pass additional coronavirus relief legislation.

President Donald Trump strongly supports passing another stimulus package. But his approach was highly unpredictable over the past month. Trump has veered from cutting off relief negotiations to pressing for more money than Democrats in a short time frame.

"After the election we'll get the best stimulus package you've ever seen," the president said Tuesday at a Pennsylvania rally.

Congress hasn't authorized additional federal aid since the pandemic sparked a $3 trillion surge of emergency spending in the spring. Programs for small business aid and federal unemployment benefits expired several months ago, and Americans have largely spent their initial $1,200 stimulus checks.

In recent weeks, Republicans assailed Democrats for demonstrating little flexibility in stimulus negotiations. Democrats blocked a $500 billion pandemic aid bill that the GOP put forward last week.

Read more: An investment chief overseeing $23 billion breaks down 2 critical election-linked risks facing the market — and shares the smartest way to turn them both into profit opportunities

"We have been working on coronavirus relief," Senate Majority Leader Mitch McConnell told Fox News on Monday. "Unfortunately, the Speaker has not been able to agree to anything remotely reasonable. We can do two things at once and we were trying to do two things at once."

New daily coronavirus cases rose 17% over the past week and most states are grappling with a surge of infections. Many economists say another aid bill is needed to strengthen the economy as layoffs rise and unemployment claims remain high.

On Tuesday, Pelosi slammed the Trump administration for not budging on a national testing and tracing strategy Democrats want in a letter to House Democrats.

During an MSNBC interview, she said the White House hadn't yielded on its refusal to include tax credits for low-income individuals and families, another Democratic priority in a $2.2 trillion economic aid package the House passed earlier this month.

"We have to control the virus. But in addition to that, we cannot sell our souls," Pelosi said. "I know, just say, 'Okay, well, let's just do it, whatever way they want to do it. We'll do it again.' No."

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Obama mocked Trump for tweeting 'crazy things' as the president complained on Twitter that Fox News was airing his predecessor's speech

President Barack Obama meets with President-elect Donald Trump to update him on transition planning in the Oval Office at the White House on November 10, 2016 in Washington,DC.
  • Former President Barack Obama did not hold back while criticizing President Donald Trump during in a speech in Orlando, Florida, on Tuesday.
  • Obama mocked Trump over his taxes and for sharing conspiracy theories on Twitter. 
  • Trump responded via Twitter, assailing Fox News for airing Obama's speech.
  • Visit Business Insider's homepage for more stories.

Former President Barack Obama on Tuesday mocked his successor's "crazy" Twitter habits during a speech in Orlando, Florida, where he was campaigning for Democratic nominee Joe Biden.

Meanwhile, President Donald Trump aired his grievances in real time on Twitter, complaining that Fox News was airing Obama's speech. 

Obama criticized Trump for using his favored social media platform to amplify a baseless QAnon conspiracy theory that Osama bin Laden was never actually killed, and that Obama and Biden may have had SEAL Team 6 killed to cover it up.

"Our president of the United States retweeted a post that claimed the Navy SEALs didn't actually kill Bin Laden. Think about that. And we act like, well, OK. It's not OK!" Obama said. 

Trump was widely criticized for elevating the bin Laden conspiracy theory, including by retired US Navy Adm. William McRaven, the former head of US Special Operations Command.

"It was a little bit like denying the moon landing," McRaven told CNN earlier this month, describing the conspiracy theory Trump shared as "so crazy."

While Obama excoriated Trump over his Twitter antics on Tuesday, the president was tweeted away — just one week away from Election Day. 

"Now @FoxNews is playing Obama's no crowd, fake speech for Biden, a man he could barely endorse because he couldn't believe he won. Also, I PREPAID many Millions of Dollars in Taxes," Trump tweeted in what was seemingly a response to comments Obama made on his successor's taxes. 

Obama brought up the topic as he directed criticism at Trump's inability to convince Senate Republicans to prioritize an economic relief package as the COVID-19 pandemic continues to wreak havoc across the US. The GOP instead focused on confirming Amy Coney Barrett to the Supreme Court. 

"The only people truly better off than they were four years ago are the billionaires that got Trump's tax cuts," Obama said. "In the meantime, he has not been able to manage extending relief to millions of families who can't pay the rent right now, can't put food on the table right now."

He added: "You know, I don't understand how it is that he cannot organize Republicans in Congress to do the right thing. And it's not like it's his money that we're asking to pay because he doesn't pay taxes."

A bombshell report from The New York Times last month said Trump only paid $750 in taxes in 2016 and 2017. Trump dismissed the Times report as "totally fake news."

The Times also recently reported that tax records show Trump paid $188,561 in taxes to China through his business ventures there between 2013 and 2015, far more than he paid in the US in 2016 and 2017. China is one of three foreign countries where Trump has a bank account, per the report.

Trump is the first president in decades to refuse to release his tax returns.

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Videos of Tesla's new 'full self-driving' software look futuristic — but show just how far it is from full autonomy

Tesla FSD youtube capture
  • Tesla released a beta version of its "full self driving" software to some customers this month. 
  • Within days, videos on the internet showed cars easily navigating roads and intersections. 
  • However, plenty of others showed situations where a momentary lapse of attention by the driver could have spelled disaster. 
  • Despite its name, no car currently for sale is actually self-driving, the US government says, and Tesla has been criticized over its driver assistance features — and their branding — before. 
  • Visit Business Insider's homepage for more stories.

There's still no such thing as a self-driving car, but you wouldn't know that from hearing Elon Musk or Tesla talk about their latest software.

Earlier this month, the company began to release a beta version of the driver-assistance program it calls "full self driving." Despite word from Musk that the rollout would be "extremely slow & cautious, as it should," videos of the software encountering situations where it clearly was not up to the task without driver intervention quickly surfaced online.

In one video posted to YouTube Monday, a Model 3 successfully navigates one stop sign, before another left turn almost sends it straight into a parked car: "A good example of how this is still beta," the driver says.

Over the course of 8 minutes, the drone video shows a handful of occasions where the driver has to take control back from the car's computer to avoid a crash or breaking road rules.

A plethora of other recordings uploaded to YouTube, Twitter, and elsewhere in the week since FSD was released show just how misleading the name is, even as its predecessor, Autopilot, was criticized by industry experts for the same exact reason. In some cases, the mistakes are simple and easily avoided, like missing a median:


Or using the wrong blinker and struggling with a traffic circle (and let's face it, many American humans struggle sometimes in roundabouts).


After the software was released, the US National Highway Traffic Safety Administration said bluntly: "no vehicle available for purchase today is capable of driving itself."

The agency is investigating Autopilot's role in at least 13 crashes in the past four years. At least three of those have resulted in deaths, while countless other instances of users misusing the product have been caught on video

It's not clear when a wider rollout of FSD may move beyond beta-testing.

As for the criticisms of its name and imperfect status, Tesla did not respond to a request for comment. Musk has regularly pushed back against critics of the software.

"It's not like, 'If you just introduced a different name, I would have really treated it differently,'" he said in August. "If something goes wrong with Autopilot, it's because someone is misusing it and using it directly contrary to how we've said it should be used."

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7 upcoming electric pickup trucks are all promising outlandish features — here's what to expect from Tesla, Rivian, Nikola, and others

Cybertruck 4
Tesla Cybertruck.
  • Electric pickup trucks are set to flood the car market over the next couple of years, with many of promising cool and useful features. 
  • Tesla claims its Cybertruck will be bulletproof, Rivian has showed off an innovative "gear tunnel" cargo area in its R1T, and Nikola Motors says its Badger will have a drinking fountain. 
  • Buyers of the Bollinger B2 will be able to remove doors and windows, and carry cargo that's up to 16 feet long. 
  • Visit Business Insider's homepage for more stories.

If all goes according to plan, we should see a slew of new electric pickup trucks hit the market over the next few years. Established makes like Ford, General Motors, and Tesla — along with upstarts like Rivian, Nikola, and Bollinger — are all racing to introduce battery-powered options to the hugely popular vehicle segment, and they're trying their best to one-up each other in the process. 

From what we know so far, many of these forthcoming EV trucks share some key qualities. With exceptions, they generally claim to pack tons of horsepower, supercar-like acceleration, and a great deal of utility into a sleek, futuristic package. 

Plus, several companies are looking to set themselves apart from the pack by cramming their trucks with useful and just-plain-cool features — everything from a drinking fountain to in-truck storage for a slide-out camp kitchen.

Check out some of the wildest features promised in the Rivian R1T, the Tesla Cybertruck, the Bollinger B2, Nikola Badger, GMC Hummer EV, and Lordstown Endurance below.

Although they're not on the market just yet, multiple electric pickup trucks are set to take the world by storm over the next couple of years.
Endurance electric pickup truck by Lordstown Motors
The Endurance.
Electric pickups on the way include the Rivian R1T, Bollinger B1, GMC Hummer EV, Nikola Badger, Lordstown Endurance ...
Nikola Badger Electric Pickup Truck2
Nikola Badger Electric Pickup Truck.
... and, of course, the controversially styled Tesla Cybertruck.
The Cybertruck, Tesla's first electric pickup truck, is seen in this undated handout picture released by the company. Tesla/Handout via REUTERS.
The Cybertruck, Tesla's first electric pickup truck, is seen in this undated handout picture released by the company
We don't have all the details yet about these trucks — and some companies haven't revealed working pre-production models — but here are some of the coolest features that will apparently be available.
Rivian R1T
Rivian R1T.
Rivian's R1T will feature what the company calls a "gear tunnel," essentially a long cargo compartment running widthwise through the middle of the truck, behind the rear seats.
Rivian R1T gear tunnel
Rivian R1T.
That tunnel can potentially be customized for lots of different purposes such as a slide-out camp kitchen, which Rivian showed off at the Overland West convention in 2019.
Rivian R1T Camp Kitchen
Rivian R1T.
According to patent filings, the R1T also may have a "swing and drop" tailgate that can fold out to 90 degrees like a standard tailgate, or drop all the way down to 180 degrees for easier access to the bed.
Rivian R1t
Rivian R1T.

Source: Motor Authority

Not to mention, the R1T can spin in place like a tank.
Rivian R1T
Rivian R1T.

Not sure exactly what that tank-turn feature means? 

Fun. That's what it means. 

The GMC Hummer EV, unveiled in October, promises optional features like an "extract mode" that lifts the vehicle by six inches on demand ...
2022 GMC HUMMER EV 038
2022 GMC Hummer EV.
... and a four-wheel-steering system that cuts down its turning radius and lets it drive diagonally.
2022 GMC HUMMER EV 044
2022 GMC Hummer EV.
The Hummer EV also sports a transparent roof made of removable panels.
2022 GMC HUMMER EV 065
2022 GMC Hummer EV.
To help with challenging off-road terrain, customers will be able to opt for underbody cameras ...
2022 GMC HUMMER EV 039
2022 GMC Hummer EV.
... as well as underbody armoring to protect the battery and other vulnerable spots.
2022 GMC HUMMER EV 040
2022 GMC Hummer EV.
Tesla's Cybertruck failed to live up to the hype within minutes of its debut due to its supposedly unbreakable windows, but the model has no shortage of features that'll be quite exciting — should they come to be.
FILE PHOTO: Nov 21, 2019;  Hawthorne, CA, U.S.A; Tesla CEO Elon Musk unveils the Cybertruck at the TeslaDesign Studio in Hawthorne, Calif. The cracked window glass occurred during a demonstration on the strength of the glass.  Mandatory Credit: Robert Hanashiro-USA TODAY
News: Tesla Cybertruck
During the Cybertruck's reveal event, Tesla CEO Elon Musk showed off a retractable ramp for loading dirt bikes, ATVs, and other cargo into the bed.
Tesla cybertruck ATV
Tesla also claims the retro-futuristic truck will be impervious to dents, scratches, and bullets thanks to a thick, stainless-steel body.
Cybertruck 1
Tesla Cybertruck.
It'll also purportedly have a transparent roof that can be optioned with solar cells. Musk said on Twitter that the solar-roof option could generate 15-plus miles of charge per day.
Cybertruck 3
Tesla Cybertruck.

Source: Elon Musk on Twitter

Nikola's future remains unclear after a tumultuous couple of months and the exit of its founder, Trevor Milton, but the company still intends to build its Badger pickup as of this writing.
nikola badger 1
Nikola Badger.

Read more: Business Insider

Nikola says it will sport an interior that's almost entirely waterproof, including the displays ...
Nikola Badger Electric Pickup Truck7
Nikola Badger.
... along with a fridge inside the cab.
Nikola Badger Electric Pickup Truck8
Nikola Badger.
Nikola's founder Trevor Milton revealed plans to equip the Badger with a drinking fountain that uses the water produced by its hydrogen fuel cell.
nikola badger
Nikola Badger.
Built for utility, the boxy Bollinger B2 doesn't have much in the way of modern conveniences. It sports manual windows, manual mirrors, analog gauges, and no screens, but it still has a few tricks up its sleeve.
Bollinger Motors B2 driving outdoors
Bollinger B2.
It boasts removable windows, doors, and roof panels.
8 Bollinger Motors B1 glass roof top outdoors
Bollinger B2.
Plus, it will supposedly have a nifty, folding rear-cabin wall, which will make room for bulkier items that won't fit in the bed.
21 Bollinger Motors B2 side outdoors
Bollinger B2.
Without a pesky engine in the way, the B2 will offer a full-length pass through, which lets owners haul 16-foot-long boards and other cargo.
bollinger pass through
The Lordstown Endurance, meanwhile, claims to have a drivetrain with only four moving parts.
Endurance electric pickup truck by Lordstown Motors
The Endurance.
That's because it has a hub motor in each wheel.
Lordstown Endurance   Sneak Peek 3
The Endurance.
But while the EV pickups are on the way, they won't be here right away. Lordstown Endurance and Hummer EV deliveries are expected to begin in 2021, while an electric Ford F-150 won't be around until mid 2022.
Endurance electric pickup truck by Lordstown Motors
The Endurance.

Source: Road & Track

Read the original article on Business Insider

Facebook and Google are back in the spotlight ahead of key earnings and a possibly testy congressional hearing. Here's what to expect during tech's big week.

mark zuckerberg facebook
  • Big tech companies will be scrutinized by both lawmakers and shareholders this week, when three chief executives are set to testify before Congress and a slew of companies report their third-quarter earnings.
  • Facebook CEO Mark Zuckerberg, Twitter CEO Jack Dorsey, and Google CEO Sundar Pichai will face a Senate panel Wednesday as lawmakers push to repeal or rewrite the legal protections that they say shield tech giants from accountability, frequently referred to as Section 230.
  • Then on Thursday, those three companies will report their third-quarter earnings — along with fellow tech giants Apple and Amazon — and show whether their businesses have kept the momentum that led them to exceed expectations earlier in the year.
  • Here's what to expect from big tech earnings reports and government scrutiny in the week ahead.
  • Visit Business Insider's homepage for more stories.

The stakes are high this week for big tech companies, which will face tough questions from Congress just one day before many of them report their third-quarter earnings.

Facebook CEO Mark Zuckerberg, Twitter CEO Jack Dorsey, and Google CEO Sundar Pichai will testify before the Senate Commerce subcommittee on Wednesday in a hearing focused on legal protections that shield tech companies from being held liable for the content of users' posts — and which many lawmakers want to weaken or repeal.

The following day, all three of those companies — as well as Amazon and Apple — will reveal their most recent quarter's earnings to shareholders. The question on Wall Street's mind: Will these companies have sustained the momentum that powered unexpected success during the first three months of the COVID-19 pandemic, or will the pandemic's fallout have caught up, and send tremors to the broader economy?

Either way, the coming week will showcase the power and concentrated wealth of the five tech giants amid a period of unprecedented legal challenges to their dominance. 

The last time Zuckerberg and Pichai testified before Congress was in July as part of a House antitrust investigation alongside Apple CEO Tim Cook and Amazon CEO Jeff Bezos. The result of those hearings was a sprawling report labeling the four companies monopolies and calling for their businesses to be broken up and regulated.

More recently, the Department of Justice filed an antitrust lawsuit against Google accusing it of suppressing competition through exclusionary business deals, and the Federal Trade Commission is reportedly preparing a similar lawsuit against Facebook.

But Wednesday's hearing isn't specifically about antitrust concerns; its focus is Section 230 of the Communications Decency Act, a federal law that shields social media companies from being held legally liable for users' posts as long as they make a good-faith effort to remove illegal content. If Section 230 is repealed, it could reshape or crush big tech companies' businesses.

Democrats say tech companies should face more repercussions for hosting hate speech and misinformation, while Republicans have called for the repeal of Section 230 as retribution for tech companies' alleged bias against President Donald Trump and conservatives (even though data doesn't support that claim).

Here's what Wall Street is looking for as the tech giants report their earnings this week.


Microsoft reports fiscal first-quarter earnings after the market closes on Tuesday. Investors typically pay close attention to growth of the company's cloud computing business, and this quarter will be no different, but there's also increasing interest in the company's Teams chat app. Microsoft Teams communication software landed a surge of users amid the pandemic, and the company recently signaled the product's growing importance for company leaders.

— Ashley Stewart


When Apple reports its fiscal fourth-quarter earnings on Thursday, Wall Street will be keeping an eye out for clues pointing to the reception of the iPhone 12. For months, analysts had been anticipating that the iPhone 12 would be one of Apple's biggest product launches in years, and now they're looking for the company to deliver on that expectation. 

Apple's delayed iPhone launch also means that initial sales won't be included in the company's fiscal fourth quarter earnings, so analysts will have to rely on commentary made during the earnings call and revenue guidance for the upcoming holiday quarter. Apple hasn't issued guidance all year because of the uncertainty surrounding the pandemic, so it will be very telling if the company decides to do so for its fiscal first quarter of 2021. Revenue for the fiscal fourth quarter is expected to hit $63.3 billion, coming in slightly lower than the $64 billion in revenue Apple generated during the same quarter one year ago.

— Lisa Eadicicco


Amazon is expected to report another big quarter with $92.71 billion in revenue, up 32% from the year-ago period, according to FactSet consensus estimates. The sales growth, boosted by the lockdown-driven demand during the pandemic, is forecast to expand Amazon's profits as well, to $3.81 billion, a 78% jump from the same quarter of last year.

Wall Street is keeping a close eye on Amazon's COVID-related costs, which the company said would result in an additional $2 billion in spend for the third quarter. Amazon's cloud business could come under the scope too, as sales growth is expected to reach a record-low 29% again in the third quarter amid intensifying competition. Investors will look for clues to Prime Day's impact, which took place in October for the first time, through management commentary and fourth-quarter guidance estimates.

— Eugene Kim


Facebook's third-quarter earnings on Thursday will show whether the company has maintained the momentum in high daily average users and ad revenue growth that powered it to exceed expectations last quarter. Facebook is expected to report $19.8 billion in revenue, up 12.2% from the same quarter last year, according to Zacks consensus estimates. 

Wall Street will be looking closely at Facebook's advertising revenue, which could have been hurt by several factors in the past quarter. More than 1,000 advertisers joined a boycott of the platform over the summer to protest its policies on hate speech and misinformation — while the boycott didn't meaningfully impact Facebook's advertising revenue last quarter, it could have a reverberating impact this quarter. Apple and Google also made changes to their web browsers in September to give Facebook less access to user data, which could hurt its ads business. 

Facebook's strength is expected to come from Instagram, which has seen a jump in users since the start of the pandemic and already comprises the majority of Facebook's ad revenue. Facebook's rollout of Instagram Reels in the last quarter could keep that momentum strong.

— Aaron Holmes


As if Google didn't have enough on its plate with the recent Justice Department lawsuit, this week the company has third-quarter earnings and a congressional hearing to grapple with. Parent Alphabet reported a historic revenue drop in the last quarter as the pandemic ravaged its advertising business, but analysts expect to see some signs of recovery when it reveals its financials on Thursday. 

One thing is for sure: Wall Street doesn't seem too spooked by the latest regulatory action. Come Thursday, investors and analysts will be more interested in whether Google is showing growth in cloud, YouTube, and ecommerce to offset the hit to advertising revenue.

— Hugh Langley


Twitter saw a jump in users since the onset of COVID-19 — but Wall Street is wary about whether the company's ad revenue will match that trend when it reports earnings Thursday. Twitter is expected to report $765.3 million in revenue for the third quarter, down 7.1% from the same quarter last year, according to Zacks consensus estimates. 

The site's advertising revenue could take a hit despite its recent rise in users, as smaller advertisers have grown reluctant to spend money on social media ads as they cut costs amid the COVID-19 pandemic. But Twitter has also set itself apart from other ad sellers by taking bold content moderation steps — like banning all political ads — which could make advertisers see it as a more trustworthy platform.

— Aaron Holmes

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Microsoft beats Wall Street estimates as it reports $37.2 billion in quarterly revenue, and the stock is barely moving

Satya Nadella
Microsoft CEO Satya Nadella.
  • Microsoft reported earnings for its fiscal first quarter after the market closed on Tuesday.
  • The company reported $37.2 billion in revenue, compared with Wall Street's expectations of $35.72 billion.
  • Microsoft doesn't report revenue figures for Azure but said revenue grew 48% year over year.
  • Are you a Microsoft employee? Contact this reporter via the encrypted messaging app Signal (+1-425-344-8242) or email (astewart@businessinsider.com).
  • Visit Business Insider's homepage for more stories.

Microsoft reported earnings for its fiscal first quarter on Tuesday, exceeding Wall Street revenue and profit expectations.

Here's what the company reported:

  • Revenue: $37.2 billion (Wall Street expected $35.72 billion), compared with $33.1 billion in the same quarter last year.
  • Earnings: $1.82 per share, compared with analysts' estimate of $1.54 per share.
  • Profit: $13.9 billion, up 30% compared with the first quarter 2019.

The company's stock price remained mostly unchanged after the earnings release.

Microsoft's overall commercial cloud business — which includes its Microsoft Azure cloud-computing business and the Microsoft 365 suite of cloud software applications — reached $15.2 billion in sales for the quarter, up 31% compared with the same quarter last year.

Microsoft doesn't report revenue figures for Azure but said revenue grew 48% year over year.

Investors typically pay close attention to growth of the company's cloud-computing business, but there's also increasing interest in its Teams chat app. Microsoft Teams landed a surge of users amid the pandemic, and the company recently signaled the product's growing importance for company leaders.

Microsoft said Teams has reached 115 million daily active users, up from 75 million daily active users in April

Microsoft also doesn't break out revenue specific to Teams but said revenue for the overall "productivity and business-processes" segment — which also includes Office products for businesses and customers, LinkedIn revenue, and Dynamics products and cloud services — reached $12.3 billion for the quarter, up 11% year over year.

Microsoft's "intelligent-cloud" business, which includes Azure, server products, and enterprise and cloud services, brought in $13 billion in revenue, up 20% compared with the same quarter last year.

And revenue for the business unit Microsoft calls "more personal computing," which includes Windows, search, Xbox, and Surface products, was $11.8 billion, up 6% year over year.

Microsoft reported strong sales growth for Xbox and Surface devices, but the company doesn't report specific revenue figures for the products. Xbox revenue was up 30%, highlighting the boom in video gaming amid the pandemic, even as the company prepares to introduce two new models of the Xbox in November. Surface revenue was up 37%.

"The next decade of economic performance for every business will be defined by the speed of their digital transformation," Satya Nadella, Microsoft's CEO, said. "We are innovating across our full modern tech stack to help our customers in every industry improve time to value, increase agility, and reduce costs."

Got a tip? Contact reporter Ashley Stewart via encrypted messaging app Signal (+1-425-344-8242) or email (astewart@businessinsider.com).

Read the original article on Business Insider

How to set up autofill on your Windows computer's web browser, and have your addresses and passwords automatically typed for you

Dell XPS 15 2019
It's easy to set up autofill on a Windows computer through your preferred web browser.
  • You can set up autofill on any Windows internet browser, usually with just a few clicks.
  • Autofill lets the browser remember information like your name and address, and enter it automatically in online forms.
  • To set up autofill in Windows 10, you'll need to open your internet browser's settings menu.
  • Visit Business Insider's Tech Reference library for more stories.

No matter which web browser you use, you can rely on autofill to simplify filling out forms online.

Autofill can remember your personal information — whether it be your name, address, passwords, or even credit card number — and type it in for you when you need it.

Every major internet browser available in Windows 10 lets you use autofill, although the process behind setting it up differs between all of them.

Here's how to set up autofill for the most popular Windows browsers: Google Chrome, Firefox, and Microsoft Edge. 

How to set up autofill on Windows using Google Chrome

1. Start Google Chrome and click the three-dot icon at the top-right of the window. If you have an update waiting, it may look like an arrow pointing upwards instead.

2. In the drop-down menu, click "Settings."

How to set up autofill on Windows 1
You can control autofill in Settings.

3. In the navigation pane on the left, click "Autofill."

4. At the top of the screen, you should now see sections for passwords, payment methods, and addresses. Here you can add, edit, and remove autofill information. 

For example, click "Addresses and more." To turn autofill on (if it's not already enabled) swipe the button for "Save and fill addresses" to the right. If you later want to disable autofill, return here and turn this button off. 

To add a new address, click "Add" and complete the form. To edit or delete an address, click the three dots to the right of an address entry and then in the dropdown menu, choose "Edit" or "Remove."

How to set up autofill on Windows 2
You can add, edit and remove addresses from the Autofill section in Settings.

Similarly, you can edit payment methods by turning the feature on and saving credit card information. Both this and saving passwords comes with some enhanced security features — before you can see a password or card number, you'll have to enter your PC's password.

If you use biometrics to unlock your computer, like a facial scan or fingerprint reader, you'll need to use that instead.

If you don't have any security on your PC, Chrome will have you set up a PIN you can enter instead.

How to set up autofill on Windows using Firefox

1. Start Firefox and click the three horizontal lines at the top-right of the window.

2. In the drop-down menu, click "Options."

How to set up autofill on Windows 3
Open the Options pages in Firefox.

3. In the navigation pane on the left, click "Privacy & Security."

4. Scroll down to the History section and in the dropdown, choose "Remember history."

5. In the Forms and Autofill section, check "Autofill addresses." You can later disable autofill by returning here and clearing the checkbox.

6. To save passwords, scroll up to "Logins and Passwords" and check "Ask to save logins and passwords for websites," and then "Autofill logins and passwords."

How to set up autofill on Windows 4
Make sure that your history is enabled and the "Forms and Autofill" option is turned on.

To add or edit addresses, click "Saved Addresses…" and then enter new addresses using the "Add" button, or select an address and click "Edit" or "Remove."

To edit passwords, scroll back up and click "Saved Logins..."

How to set up autofill on Windows using Microsoft Edge

1. Start Microsoft Edge and click the three-dot icon at the top-right of the window.

2. In the drop-down menu, click "Settings."

How to set up autofill on Windows 5
Start by opening the Settings page in Edge.

3. In the navigation pane on the left, click "Profiles."

How to set up autofill on Windows 6
You can find the autofill settings in Profiles.

4. Click "Addresses and more."

5. Turn on autofill by swiping the button to the right. If you want to disable autofill later, return here and swipe the button to the left. 

6. To add a new address, click "Add Address," then fill out the form and click "Save."

7. To edit or remove an address, click the three dots to the right of an entry and then choose "edit" or "Delete."

How to set up autofill on Windows 7
You can add, edit, and delete personal information in the Profiles section.

8. You can go back to the "Profiles" page to edit and save passwords and card information.

Related coverage from Tech Reference:

Read the original article on Business Insider

'What is AQI on an Apple Watch?': How to view the Air Quality Index on your Apple Watch with the AQI complication

Apple Watch
The AQI complication on an Apple Watch measures the Air Quality Index in your area.
  • You can check the AQI (Air Quality Index) on your Apple Watch by adding an AQI display to your watch face. 
  • The AQI is a measurement used by the EPA and other government agencies to describe the relative safety of air quality in a local area.
  • Your Apple Watch will show you the local AQI as a number ranging from 0 to 500 — the lower the number, the safer the air around you is.
  • Visit Business Insider's Tech Reference library for more stories.

Your Apple Watch includes a complication called AQI, which reports on the Air Quality Index for your location. 

It's easy to add this complication to many watch faces, so you can keep tabs on the local air quality with just a glance.

What AQI is on an Apple Watch, and how it's measured

The Air Quality Index is a standard way of reporting air quality used by many government agencies, such as the Environmental Protection Agency in the US.  It's a numeric scale that goes from 0 to 500, in which the lower the number, the better the air quality. 

The EPA calculates the AQI based on five major air pollutants: ozone, particulates, carbon monoxide, sulfur dioxide, and nitrogen dioxide.

Here are the major AQI categories according to the EPA:

  • 0 to 50. Air quality is considered "good," and air pollution posts "little or no risk." This is color coded green.
aqi 1
The AQI complication on an Apple Watch shows that it is 39, and color coded green.
  • 51 to 100. Air quality is "moderate," and "there may be a moderate health concern for a very small number of people." This is color coded yellow.
  • 101 to 150. This range is "unhealthy for sensitive groups." The EPA says that individuals with lung disease, older adults, and children may be at a greater risk from exposure to ozone. Persons with heart and lung disease may be at greater risk from the presence of particles in the air. This is color coded orange.
  • 151 to 200. This is "unhealthy," and everyone may experience adverse health effects. This is color coded red.
  • 201 to 300. "Very unhealthy." This level would trigger a health alert. This is color coded purple.
  • 301 to 500. The EPA calls this "hazardous," and considers this level an emergency. It is color coded maroon.

How to use the AQI complication on your Apple Watch

If you choose a watch face with the AQI complication, you can see the AQI number at a glance. 

To get more information, tap the complication, and you'll see the AQI, the description (such as "Good" or "Moderate") and where your AQI falls on a color scale from green to maroon. 

aqi 2
Tap the AQI complication to see the air quality description and color spectrum.

For information on how to add an AQI complication to your watch, read our article here.

Related coverage from Tech Reference:

Read the original article on Business Insider

Exact Sciences soars 33% after agreeing to acquire early cancer detection firm for $2.15 billion

trader, NYSE
  • Exact Sciences soared as much as 33% on Tuesday after it announced it would acquire Thrive Earlier Detection for up to $2.15 billion.
  • Thrive Earlier Detection is developing CancerSEEK, a liquid biopsy test that is designed to detect many cancers at earlier stages of disease.
  • The deal will include an upfront payment of $1.7 billion in stock and cash, and up to an additional $450 million in potential milestone payments.
  • In addition, Exact Sciences said it acquired Base Genomics for $410 million to expand its diagnostics technology.
  • Visit the Business Insider homepage for more stories.

Exact Sciences soared as much as 33% on Tuesday to record highs after the diagnostics company said it would acquire Thrive Earlier Detection for up to $2.15 billion in a stock and cash deal.

Thrive Earlier Detection is a diagnostics company developing CancerSEEK, a liquid biopsy test that is designed to detect many cancers at earlier stages of disease. Thrive utilizes machine learning technologies in its cancer detection platform, which is designed to detect cancer before symptoms occur.

In a 10,000-patient study, CancerSEEK detected 10 different types of cancer, including seven with no recommended screening guidelines and with very few false positives, according to Exact Sciences.

"The acquisition of Thrive is a giant leap toward ensuring blood-based, multi-cancer screening becomes a reality and eventually, the standard of care," Exact Sciences CEO Kevin Conroy said.

The deal would expand Exact Sciences product offerings, which currently include Cologuard and Biomatrica. 

Read more: 'I'm basically going to be long growth': Billionaire investor Chamath Palihapitiya has hauled in a 997% return since 2011. He details the 5 sectors shaping his long-term investment playbook.

Exact Sciences will make an upfront payment of stock and cash worth $1.7 billion, and will make an additional $450 million in future payments if certain milestones are achieved. The $1.7 billion payment consists of 65% in Exact Sciences stock and 35% in cash. The deal is expected to close in the first quarter of 2021. 

In relation to the acquisition, Exact Sciences said on Tuesday it sold 8.6 million shares at $101 per share to raise $869 million. Part of the proceeds will be used to fund the Thrive acquisition. 

In addition to the announced acquisition of Thrive, Exact Sciences said it acquired Base Genomics for $410 million to expand its diagnostics technology. 

Read the original article on Business Insider

A timeline of Trump's statements about the coronavirus juxtaposed with new cases throughout the pandemic

trump fauci coronavirus vaccine
President Donald Trump looking on as Dr. Anthony Fauci speaks.
  • President Donald Trump has made contradictory and false statements about the coronavirus pandemic since January.
  • The chart below provides a timeline of some of Trump's statements juxtaposed with rates of new daily COVID-19 cases in the US.
  • Visit Business Insider's homepage for more stories.

The US is seeing its biggest surge of coronavirus cases. On Friday, the country recorded 83,128 new cases, breaking the record for the most in a single day. The surge came just days before voters will decide whether to reelect President Donald Trump.

Since the US confirmed its first coronavirus case in January, Trump has repeatedly given misleading, unprovable, or incorrect statements about the pandemic.

The chart below highlights some of the claims and statements Trump has made over the past 10 months, juxtaposed with rates of new daily COVID-19 cases nationwide.


On January 22, when the US reported its first case of COVID-19, Trump said the situation was "totally under control." As the virus spread through the country in January and February amid a testing shortage, he said it would disappear "like a miracle."

Trump told the journalist Bob Woodward in early February that the coronavirus was "deadly stuff," but he said publicly a month later that the risk for most Americans was "very, very low."

In March, as daily cases ticked up, he repeatedly said the pandemic would soon be over.

He's still painting a rosy picture that contradicts the data. "We're rounding the turn," Trump said at a rally in New Hampshire on Sunday. "It's going to be over."

trump mask white house rally coronavirus
Trump takes off his face mask on a White House balcony to speak to supporters on October 10.

Trump's rhetoric and his administration's overall handling of the pandemic appear to be hurting his chance of being elected for a second term. A recent AP-NORC poll found that 66% of Americans disapproved of how Trump had handled the US's outbreak.

The US has recorded more COVID-19 cases and deaths than any other country. It ranks ninth in both total cases per capita and deaths per capita.

As of Tuesday, one week before Election Day, more than 226,000 Americans had died from COVID-19, and more than 8.7 million had gotten sick.

Read the original article on Business Insider

Greenlight Capital's David Einhorn just called the top in stocks and gave 10 reasons tech is in a bubble

David Einhorn
Greenlight Capital President David Einhorn.
  • September 2 was the top in the stock market, the hedge-fund investor David Einhorn argued in Greenlight Capital's third-quarter letter.
  • Einhorn said that the market was in a bubble driven by technology stocks and that the bubble "has already popped."
  • Einhorn said that what matters in a bubble is market psychology, not valuation. "Valuation is irrelevant; that's what makes it a bubble," he said.
  • Here are 10 reasons technology stocks are in a bubble, according to Einhorn.
  • Visit Business Insider's homepage for more stories.

The top in the stock market is in, on September 2, according to the hedge-fund investor David Einhorn.

In Greenlight Capital's third-quarter letter, Einhorn offered 10 reasons technology stocks are in a bubble that "has already popped."

"Bubbles tend to topple under their own weight," Einhorn said, adding that market psychology is what matters in a bubble, not valuation. "Valuation is irrelevant; that's what makes it a bubble," Einhorn said.

Einhorn acknowledged that his 2016 bubble call was wrong and that this one could be disproved. But he contended that investor sentiment was moving from greed to complacency, something that happens just before it moves to worry and then panic.

Here are 10 reasons technology stocks are in a bubble, according to Einhorn.

Read more: 'I'm basically going to be long growth': Billionaire investor Chamath Palihapitiya has hauled in a 997% return since 2011. He details the 5 sectors shaping his long-term investment playbook.

1. "An IPO Mania."

2020 has seen a surge in initial public offerings despite the COVID-19 pandemic, and "blank check" special-purpose acquisition companies have been the preferred route for companies to go public. Just this week Jack Ma's Ant Financial Group said it planned to raise $35 billion in a record-breaking IPO.

2. "Extraordinary valuations and new metrics for valuation."

Einhorn pointed to his recent favorite: price-sales growth divided by sales growth. "This ratio is the PEG ratio on steroids and amounts to nonsense," he said.

3. "A huge market concentration in a single sector and a few stocks."

The top five stocks in the S&P 500 make up 20% of the entire index, according to Ned Davis Research, while the technology sector represents more than 28% of the index.

4. "A second tier of stocks that most people haven't heard of at S&P 500 type market capitalizations."

Einhorn was likely referring to a slew of cloud and software stocks that have seen a meteoric rise during the COVID-19 pandemic and now sport valuations of more than $20 billion. Some examples include ZScaler, Okta, and RingCentral.

Read more: BANK OF AMERICA: Buy these 11 underowned stocks ahead of their earnings reports because they're the most likely candidates to beat expectations in the weeks ahead

5. "The more fanciful and distant the narrative, it seems the better the stock performs."

Einhorn could be referring to story stocks that have a business plan but little to no revenue and yet still see a surge in valuation. One example is Nikola, which went public via an SPAC earlier this year and saw its market value surge ahead of Ford's even though it said it didn't expect to sell cars and recognize revenue until late 2021.

6. "Outperformance of companies suspected of fraud based on the consensus belief that there is no enforcement risk, without which crime pays."

Einhorn could be referring to GSX Techedu, which has been accused of fraud by short-sellers like Muddy Waters but seen its market valuation surge on the belief that the Chinese company will not face consequences.

7. "Outsized reaction to economically irrelevant stock splits."

Einhorn was likely referring to the August stock splits of Apple and Tesla. Both experienced a surge in their share prices, and Tesla added more than $200 billion in market value in the two weeks after its stock-split announcement.

8. "Increased participation of retail investors, who appear focused on the best-performing names."

The COVID-19 pandemic has resulted in a surge in trading activity among retail investors, as stay-at-home orders drove more people to pass the time with the ups and downs of the stock market.

Read more: Bank of America's restaurant analyst told us the 7 stocks that will thrive as frigid winter weather rocks the industry — and broke down the factors that could hurt certain popular destinations

9. "Incredible trading volumes in speculative instruments like weekly call options and worthless common stock."

Einhorn pointed to Hertz common stock as an example, noting that 1 billion shares traded in a single day earlier this month after the car-rental company said it had obtained potential debtor-in-possession financing. "Historically, in a bankruptcy like this, the shares would be promptly delisted by the exchange to protect retail investors," Einhorn said.

10. "A parabolic ascent toward a top."

Stocks have surged to all-time highs during the COVID-19 pandemic, driven by the technology sector in particular.

Einhorn isn't alone in his thinking. Ned Davis Research said in a note on Monday that the "Elite Eight" technology stocks looked like a bubble after their historic ascent. According to NDR, these eight companies have seen their collective market capitalization surge to $8 trillion from $1 trillion in eight years.

Einhorn included an anecdote about the "toppy behavior" he had seen in the markets: He said he received a job application from a 13-year old with the subject line "I am young, but good at investments."

Read more: Nancy Zevenbergen has outperformed 99% of her investor peers over the last 5 years. She shared 5 tips for starting a successful growth fund — including ones adopted by fellow Wall Street titans Warren Buffett and Cathie Wood.

Read the original article on Business Insider

WPP's shopping list


Hi and welcome to Insider Advertising, weekly edition, where I break down the big stories in media and advertising.

First, remember to sign up here to get this in your inbox daily.

Today: What's on WPP's shopping list, PR giant BCW moves into e-commerce, and gaming-influencer tie-ups.

WPP office.JPG

WPP's shopping list

If you're like me, the shipping boxes have been piling up in the lobby as I do more shopping online, whether out of necessity or lockdown boredom.

So it's no wonder that advertisers are trying to get more attention of people like me and figure out exactly what it'll take to get me to drop their product in my basket.

We've been writing a lot about the rise of e-commerce and associated advertising lately. Here's a recap:

  • Online sales are booming, but they're less profitable than in-store sales, so retailers are renting space on their sites to advertisers, giving rise to the term retail media. It's a $17.4 billion market, or 12% of digital advertising, and it's expected to soar 39% this year, per eMarketer.
  • Lauren Johnson spotlighted 8 key execs who are leading the charge at retailers from Walmart to CVS in building retail media businesses.
  • We also recently wrote about why some advertisers prefer other retailers over Amazon.
  • The rise of e-commerce is driving deal-making, too. E-commerce is one of the areas that the ad holding company giant WPP is eyeing as it looks to start acquiring again. Its clients are putting more of their budgets on e-commerce platforms, and agencies like WPP stand to lose out if they don't have a strong offering to help them get the most out of their dollars.

Read about the companies WPP could buy: Here are 9 tech, consulting, and healthcare companies experts think WPP could buy as it gears up to start acquiring again

Donna Imperato BCW

Blurred lines

Speaking of e-commerce, there's more than one way agencies are hanging out shingles. Sean Czarnecki wrote about how WPP's PR giant BCW is branching out to e-commerce services as well as consulting. 

As BCW's Donna Imperato told Sean: "We knew we needed e-commerce because with the internet, you want to be able to promote the client product or brand and make it easy for the reader to go straight to purchasing that product."

Rival holding company IPG is also looking for consulting gigs; its pitch revolves helping chief marketing officers who are increasingly using data to make decisions, especially as the pandemic requires up-to-the-minute information about where and what people are buying.

Go further here: WPP-owned public relations giant BCW is branching out to e-commerce services as online shopping explodes

And here: How IPG is pitching its new CMO-focused consultancy to compete with Accenture and Deloitte

gamer gaming steamer streaming

Gaming meets influencers

As gaming soars in the pandemic, video game companies are heavily using social media influencers to make sure they stay top of mind.

Dan Whateley ran down the companies that are the most active in using influencers to promote themselves, based on influencer-marketing company CreatorIQ data.

Twitch led the list, with 426 sponsored posts from 131 creators in September.

It's another example of how marketing dollars are going to creators at the expense of traditional media — and it also means big business for companies like TalentX Entertainment that match brands and creators.

Read the rest here: New data reveals which gaming brands are buying the most sponsored influencer posts on YouTube and Instagram

Other stories we're reading:

Thanks for reading, and see you next week!
— Lucia Moses

Read the original article on Business Insider

10 popular online STEM, coding and gaming courses — all are taught by women


When you buy through our links, we may earn money from our affiliate partners. Learn more.

intro to complex analysis

It probably comes as no surprise that there are fewer women working in STEM than men. According to the Women in STEM Workforce Index 2020 published by the UC San Diego Extension, only 1 in 4 STEM jobs are held by women, and they earn about $20,000 less a year than men in STEM roles. 

One way for women to break into STEM is education, but you don't necessarily need to go back to school or invest in an expensive degree. Online learning sites are an affordable and flexible way to teach yourself the foundations and get a feel for the industry, whether you're interested in STEM or other traditionally underrepresented fields like gaming. 

Of course, since men hold more positions in these fields, there tend to be more male teachers as well. For women taking STEM courses, the impact of seeing instructors who look like them cannot be understated.

Just like representation in media affects how groups of people perceive themselves and are perceived by the world, representation in STEM and gaming plays an important role in motivating women to overcome gender-related barriers in their own career journeys. 

With that in mind, we found some popular online courses that teach skills in development, game design, math, and more — all taught by female leaders who have achieved success in their fields. 

You can learn more about each course and its instructor below.

iOS 13 & Swift 5 - The Complete iOS App Development Bootcamp
ios app development

The course: A bestseller on Udemy, this iOS app development class has everything you need to know to create beautiful apps, even if you have no prior programming experience. It's packed with over 50 hours of video content, 146 articles, and other resources to help you ultimately finish an app portfolio you can use to apply to junior developer jobs. 

The instructor: Angela Yu is an iOS and WatchOS developer fluent in Swift and Objective-C. She's also the founder, managing director, and lead iOS instructor at the London App Brewery, a bootcamp where she's taught over 900 students. Yu's first got into programming at 12 years old, when she wanted to figure out how to build her own video games. Since then, she's made over 70 apps and games.


Web Design for Everybody: Basics of Web Development and Coding Specialization
online STEM slides_Coursera Web development and coding

The course: If you've never designed a website before, you'll start this six-month University of Michigan course covering the basics of HTML5, CSS3, and Javascript, with a full unit devoted to each one. By the end, you'll have a complete portfolio with websites built on at least three different platforms. Along the way, you'll be provided with feedback from peers and teaching assistants so that you end up with a final project you're proud of.

The instructor: Lead lecturer Colleen van Lent, PhD teaches various technology-focused courses at the University of Michigan's School of Information. She's passionate about making technology accessible to everyone, and she wrote "Web Design for HTML" specifically for children to learn problem-solving, coding, and design skills. She was also a National Physical Sciences Consortium Fellow and NASA Faculty Fellow.



Game Design Foundations: Ideas, Core Loops, and Goals

The course: This course explains practical strategies for starting a career in game design, drafting game ideas, and turning concepts into designs that a team can implement. You'll also learn more about the role of a game designer, how to define the core loop of your game, create features of a core, and more. The next course in the series teaches game systems, chance, and strategy. 

The instructor: Brenda Romero is a game designer, artist, writer, and creative director who entered the video game industry in 1981 at the age of 15 and has worked at Atari, Sir-Tech Software, and Electronic Arts. She received the 2013 Women in Games Lifetime Achievement Award from by Microsoft and the 2015 Game Developers Choice Ambassador Award. Romero is now the game designer in residence at the UC Santa Cruz and the cofounder and COO of Loot Drop, a social and mobile game company.

Introduction to Complex Analysis
intro to complex analysis

The course: Aimed at anyone interested in exploring "a beautiful and important corner of mathematics," this eight-week Wesleyan University math course provides an introduction to complex analysis, which is the theory of complex functions of a complex variable. Topics include the algebra and geometry of complex numbers, differentiation, integration, complex dynamics, power series representation, and the Laurent series. 

The instructor: Dr. Petra Bonfert-Taylor was a mathematics professor at Wesleyan University until 2015 and is now an engineering professor at Dartmouth College. Though she originally intended to study computer science, she was drawn to mathematics after taking a course on complex analysis. Her other research interests lie in geometric function theory, hyperbolic geometry and the mathematics of medical imaging. 

CSS Animation: Bringing Your Sites to Life
css animation

The course: This short, 45-minute course is designed for students with basic HTML and CSS skills and teaches you how to use CSS hover effects, transitions, and transforms to add motion and interactivity that can bring your website to life. The final project in the course is to create an interactive image gallery.

The instructor: Sarah Holden is a web developer and designer who taught her first web development course for General Assembly in 2015. The former lead front-end developer at KinHR, she currently runs her own development practice and is passionate about building quality-crafted web apps driven by Javascript, Backbone, and Angular.

Clustering and Classification With Machine Learning in Python
machine learning

The course: This course is a complete guide to both supervised and unsupervised learning using Python, created after the instructor realized that current Python data science courses and books do not account for the multidimensional nature of the topic. This course will give you a robust grounding in the main aspects of machine learning, clustering, and classification. It's helpful, but not required, to have some prior exposure to Python programming. 

The instructor: Minerva Singh received a PhD in Forest Ecology and Conservation from Cambridge. In her PhD research, she used extensive statistical and machine learning as well as image processing techniques to quantify the impact of forest cover change on carbon stocks and biodiversity in tropical Asia. Singh is the founder of Minerva's Data Lab, which provides information, resources and training relating to machine learning, data science, spatial data analysis, and more. 

Cert Prep: AWS Certified Solutions Architect - Associate

The course: Learn how to use Amazon Web Services (AWS) design patterns, tools, and best practices for the managing the entire application architecture life cycle. This intermediate-level course covers how to identify requirements, plan for implementation, and configure services including EC2, S3, Elastic Beanstalk, CloudFormation, VPC, and IAM. It also covers topics in the AWS Certified Solutions Architect – Associate exam. 

The instructor: Lynn Langit is a cloud architect and developer who specializes in big data projects and works with Amazon Web Services and Google Cloud Platform. She delivers technical keynotes world-wide and is also the cofounder and director of Teaching Kids Programming, where she creates open source courseware for kids ages 10 and older to learn to code. 

SQL for Data Science
sql for data science

The course: This introductory four-week course created by UC Davis is a primer in the fundamentals of SQL and working with data so that you can begin analyzing it for data science purposes. You'll learn common operators, how to combine the data, and how to use case statements and concepts like data governance and profiling. 

The instructor: Sadie St. Lawrence is a Data Scientist at VSP Global, where she designs analytics solutions, provides training to help the organization move through the five stages of analytics maturity, and researches new analytics technologies. St. Lawrence is also the founder and executive director of Women in Data, a nonprofit organization focused on creating job opportunities for women in data-centric fields. 

Statistics With Python Specialization
online STEM slides_Coursera Statistics with Python

The course: Designed for beginner and intermediate learners, this course shows you how to analyze statistics and create data visualizations using the Python programming language. On top of learning the foundations of data design, you'll also be able to use data for more advanced statistical modeling procedures and connect research questions to statistical and data analysis methods.

The instructor: Brenda Gunderson, PhD, teaches the largest undergraduate statistics course at the University of Michigan and also serves as an advisor to students majoring and minoring in Statistics. Her research particularly focuses on using technology to enhance teaching and learning, and she is the co-investigator of the UM grant Enhancing Undergraduate Education through the Deployment of Quality Learning Objects.

Innovating Instruction: Learning Design in the STEM Classroom
EDX E Learning 4x3

The course: This class is specifically designed for teachers and educators to learn how to incorporate STEM and STEAM learning in K-12 classrooms. You'll learn how to add a more design-based approach to your curriculum, tie in learning sciences to your classroom instruction, and feel more comfortable merging technology with your teaching.

The instructor: Ellen B. Meier is the Director and Co-Founder of the Center for Technology and School Change and a faculty member in the Department of Mathematics, Science, and Technology at Columbia University. She started her teaching career in a federal experimental school program in Minnesota and was interested in school reform and equity, which informs some of her research now — she is focused on technology's growing role in forming more engaging learning environments, particularly for urban students.

Read the original article on Business Insider

Mark Zuckerberg and Jack Dorsey warn that stripping tech firms of Section 230 protections would harm free expression on the internet

jack dorsey twitter
Jack Dorsey, Twitter CEO, on September 5, 2018.
  • Twitter CEO Jack Dorsey and Facebook CEO Mark Zuckerberg plan to warn lawmakers that stripping back Section 230 would hurt how we communicate on the internet.
  • The remarks are part of the CEOs' prepared testimonies for a virtual Senate hearing on Wednesday, which will focus on Section 230 protections.
  • Democrats and Republicans have largely agreed that Section 230 should be updated, but conservatives have brought greater urgency to the revisions after Facebook and Twitter began fact-checking President Donald Trump's posts in May.
  • Dorsey and Zuckerberg will appear in front of lawmakers again on November 17 for a hearing regarding their companies' handling of a dubious New York Post article about Joe Biden's son.
  • Visit Business Insider's homepage for more stories.

Twitter CEO Jack Dorsey and Facebook CEO Mark Zuckerberg plan to warn the Senate that stripping back Section 230 could harm free expression on the internet, according to testimonies they prepared for a Senate hearing on Wednesday, which will focus on the protections.

Dorsey said stripping back Section 230 — an internet law that protects tech companies from being liable for content posted on their sites — could "collapse how we communicate on the Internet" and leave "only a small number of giant and well-funded" tech firms, according to his remarks, which Twitter shared with Business Insider.

Zuckerberg's testimony, viewed by Business Insider, similarly said that "without Section 230, platforms could potentially be held liable for everything people say" and could "face liability for doing even basic moderation, such as removing hate speech and harassment that impacts the safety and security of their communities."

Wednesday's virtual hearing before the Senate Commerce Committee was scheduled in part to open a dialogue around Section 230 protections and potential revisions, and comes just days before the 2020 presidential election. Google CEO Sundar Pichai is also set to testify. 

Democrats and Republicans have largely agreed that Section 230 needs to be revised, but President Donald Trump has amplified the fight to do so after Twitter and Facebook began fact-checking his posts in May. And now multiple branches of the US government are zeroing in on changing the law, as Business Insider's Aaron Holmes explains.

Read more: Facebook and Twitter are cracking down on videos that promote conspiracy theories and unproven COVID cures, but researchers say that removing already viral misinformation can backfire and make things worse

Section 230 is part of an internet law created in the 1990s that prevents tech platforms from being treated as publishers, like newspapers. It means the likes of Facebook and Twitter aren't liable for content that people post on their sites, including hate speech and misinformation. Tech firms maintain that Section 230 is what protects free speech on the open internet.

A separate hearing before the Senate Judiciary Committee is slated for November 17 in which both Dorsey and Zuckerberg will appear again to discuss, in part, their companies' handling of a dubious New York Post article about Joe Biden's son. Republicans subpoenaed Dorsey in mid-October following his company's ban of the story, and he willingly agreed to testify on November 17.  

Twitter initially failed to offer an explanation when it banned the story's URL in early October before saying the article violated its policies against how hacked materials are shared. Dorsey later issued an apology and said Twitter was "wrong" to have banned the story. Facebook's response to the New York Post article was similar: The company said it would restrict the reach of the article on its platform until a third-party fact-checked its contents. But Republicans latched onto the debacle from the get-go as proof that big tech is biased against conservatives, an often-disproven theory they have long pedaled.

You can read Dorsey's and Zuckerberg's testimonies in full below:


Read the original article on Business Insider

A US Air Force A-10 Thunderbolt accidentally dropped a training weapon on Korea, and no one knows where it went

Lt. Col. Brian Burger, an A-10 Thunderbolt II pilot and the 188th Fighter Wing operations group commander, Fort Smith Air National Guard fires off a flare while banking into a high angle firing position during a training exercise on Razorback Range located at Fort Chaffee maneuver training center.
Lt. Col. Brian Burger, an A-10 Thunderbolt II pilot and the 188th Fighter Wing operations group commander, Fort Smith Air National Guard fires off a flare while banking into a high angle firing position during a training exercise on Razorback Range located at Fort Chaffee maneuver training center.
  • A US Air Force A-10 Thunderbolt accidentally dropped an apparent training munition during a flight over South Korea earlier this month, Stars and Stripes first reported Tuesday.
  • US and South Korean military personnel searched for three days but came up empty handed. They assessed that the inert munition probably did not pose a threat to anyone given the likely point of impact.
  • On two separate occasions last year, A-10s accidentally released munitions over the US, first in Florida and again in Arizona.
  • Visit Business Insider's homepage for more stories.

A US Air Force A-10 Thunderbolt II accidentally dropped a training weapon during a flight over South Korea, and no one knows exactly where it went, Stars and Stripes first reported Tuesday.

The A-10 "inadvertently" released an "unguided non-explosive projectile" during an Oct. 13 flight over a "remote off-range area," a spokesman for the 51st Fighter Wing told Task & Purpose. The aircraft was assigned to the 25th Fighter Squadron at Osan Air Base.

It is unclear what type of training munition was released.

US and South Korean military personnel searched for the inert training munition for three days before calling off the search. They assessed that "there was not a significant threat to anyone" given the terrain in the area where the weapon is believed to have landed, a fighter wing spokesman told Stars and Stripes.

The incident is reportedly under investigation and additional safety measures were put in place to prevent a repeat.

The US Air Force has had several problems with its A-10s accidentally releasing munitions during training. Last year, there were two such incidents in the US.

In July 2019, a Thunderbolt collided with a bird over Florida, causing it to inadvertently release three training munitions over the state. The Moody Air Force Base aircraft dropped three BDU-33s, which are 25-pound non-explosive training munitions used to simulate 500-pound M1a-82 bombs.

Then in September of last year, a Davis-Monthan Air Force Base A-10 unintentionally fired off a M-156 rocket outside of the designated firing range.

Fortunately, in each of the three incidents, there were no reported injuries or damages.

The A-10 Thunderbolt II, nicknamed "Warthog," was built for close air support and has been in service since the early 1970s.

While the A-10 carries a variety of munitions on its 11 hardpoints, it is most famous for its forward 30 mm GAU-8/A Avenger rotary cannon that can fire at a rate of just under 4,000 rounds per minute. The weapon makes a loud "BRRRRT" sound when fired.

Read the original article on Business Insider

How Adidas is turning plastic ocean waste into sneakers and sportswear


Following is a transcript of the video.

Narrator: Adidas makes over 400 million pairs of shoes every year. Manufacturing that many shoes requires a lot of resources. But constantly creating new materials isn't great for the environment. So Adidas is turning to a different source.

Experts predict that in 30 years, there will be more plastic in our oceans than fish. And one study estimates that 90% of seabirds have consumed some form of plastic waste. All that pollution on beaches and in the ocean is harmful to both marine life and humans. So Adidas is trying to stop some of that plastic before it reaches the ocean. In 2015, Adidas partnered with the environmental organization Parley for the Oceans. Their goal? To turn marine pollution into sportswear. And they've made huge progress.

In 2019, Adidas expects to make 11 million pairs of shoes with recycled ocean plastic. That's more than double what it made in 2018. Adidas says the partnership has prevented 2,810 tons of plastic from reaching the oceans. But how are these shoes made?

It all starts at the beach. Parley and its partners collect trash from coastal areas like the Maldives. The waste is then sorted, and the recovered plastic is sent to an Adidas processing plant. Adidas uses plastic bottles that contain polyethylene terephthalate, or PET. And if it's something Adidas can't use, like caps and rings? Those get sent to normal recycling facilities.

The processing plant crushes, washes, and dehydrates the waste, leaving nothing but small plastic flakes. The flakes are heated, dried, and cooled, then cut into small resin pellets. Normally, polyester is made from petroleum. But Adidas melts these pellets to create a filament, which is spun into what they call Ocean Plastic, a form of polyester yarn. Adidas uses Ocean Plastic to form the upper parts of shoes and clothing like jerseys. Each item in the Parley collection is made from at least 75% intercepted marine trash. And they still meet the same performance and comfort standards of Adidas' other shoes. Recycled polyester uses less water and fewer chemicals and helps prevent plastic pollution.

Adidas' goal is to replace all virgin polyester with recycled polyester by 2024. Currently, more than 40% of Adidas' apparel uses recycled polyester. You may have seen Adidas' recycled sportswear without even noticing it. Clothing made with Ocean Plastic has been used in college football, baseball, the NHL, the Australian Open, and more. But this doesn't eliminate plastic pollution entirely. Washing polyester clothing can create microfibers, which may end up in the ocean. Adidas suggests that customers wash their clothes less often, use cold water, and fully fill the machine each time.

But this is just the first step. Adidas is also developing a 100% recyclable shoe called the Futurecraft Loop. This shoe is made to be remade. Because it can be returned and broken down to create a brand-new pair. Futurecraft Loop is expected to be available in 2021.

With the help of Parley for the Oceans, Adidas is using readily available material to manufacture new products. Which is a big step towards a sustainable future.

EDITOR'S NOTE: This video was originally published in September 2019.

Read the original article on Business Insider

How to get Disney Plus on your Xbox One by downloading it from the Microsoft Store

disney plus
It's easy to get Disney Plus on an Xbox One.
  • You can get Disney Plus on your Xbox One by downloading the app from the Microsoft Store.
  • The Microsoft Store can be found on your Xbox One's home screen, where it's just called "Store."
  • Once you download Disney Plus from the Microsoft Store, you can find it in your Xbox's "My games & apps" menu.
  • Visit Business Insider's Tech Reference library for more stories.

Disney Plus is one of the most popular streaming services to come out recently — and it's available to download on your Xbox One.

In addition to offering all of Disney's animated classics, TV shows, and more, the service also features original shows like "The Mandalorian," similar to Netflix Originals.

If you use your Xbox One for streaming, chances are you've already downloaded Netflix or another app. Disney Plus is downloaded in the same way. 

Here are the details, and how to download it onto your Xbox One. 

How to get Disney Plus on your Xbox One

1. From your Xbox One home screen, use the right back trigger on your controller to scroll over to "Store."

You can also launch the Store by pressing the Home button on your controller. Select "Store" from the pop-up menu that opens, which will appear as the Microsoft logo in a shopping bag.

2. Scroll down until you find the "Search" tab. Select it by pressing the "A" button on your controller.

image1 disney plus xbox one
Search in the Microsoft Store.

3. Begin typing "Disney Plus." The search feature should automatically generate results.

4. Once it appears, scroll down and select the Disney Plus app using the "A" button on your controller.

image2 disney plus xbox one
Pick Disney Plus from the list of results.

5. This will open the app's details page. If the app is already installed on your console, the page will give you the option to launch the app. Otherwise, scroll to and select the green "Get" button to install the app. Since it's free to download, you shouldn't be prompted for any payment information.

image3 disney plus xbox one
Once you've downloaded the app, you can launch Disney Plus from this screen as well.

6. Once Disney Plus is installed, you can access it from the "My games & apps" tab on the home screen. After selecting "My games & apps," followed by "See all," you can view a complete list of your apps, including your streaming platforms. 

You'll find Disney Plus among all of your other apps.

7. Open Disney Plus and log in with your account information to begin watching.

Related coverage from Tech Reference:

Read the original article on Business Insider

Jon Stewart is reportedly working on a new current affairs show that will stream on Apple TV Plus next year

Jon Stewart
Jon Stewart.
  • Jon Stewart will host and executive produce a new current affairs show on Apple TV Plus, according to The Hollywood Reporter
  • The show, which is untitled, will feature hour-long episodes that delve into a single topic in the news or related to Stewart's political advocacy. 
  • The new show will begin sometime next year, but will not air daily or weekly, THR reports. 
  • Stewart served as the anchor for "The Daily Show" from 1999 to 2015. More recently, he has focused on his advocacy work for 9/11 first responders, though at one point he was working on an animated series with HBO that was ultimately scrapped.
  • Visit Business Insider's homepage for more stories.

Jon Stewart is returning to TV with a new current affairs show streaming on Apple TV Plus. 

Stewart has signed a multi-year deal with Apple for a series that will run multiple seasons. Stewart will executive produce and host the series, which will feature hour-long episodes dedicated to exploring a single subject on topics related to national affairs or Stewart's own political advocacy, according to The Hollywood Reporter's Lacey Rose.

The show, which is currently untitled, will begin sometime next year, but will not air daily or weekly. Apple is also planning to run a podcast related to the show, THR reports.

Stewart's manager, James Dixon, and former HBO CEO Richard Plepler will also serve as executive producers on the series. In January, Plepler signed his own five-year deal with Apple to create documentaries, films, and TV series through his company, Eden Productions.

A spokesperson for Apple did not immediately respond to Business Insider's request for comment. 

Read more: Quibi's biggest mistake was not knowing who its audience was — if it hadn't tried to beat TikTok and YouTube it might have stood a chance

Stewart served as anchor of "The Daily Show" from 1999 until 2015, when he left the series and was replaced by current host Trevor Noah. Since then, he's been focused on advocacy work on behalf of 9/11 first responders and their families, though at one point he was working on an animated series with HBO that was ultimately scrapped.

Stewart's deal with Apple is the latest in a string of big names tied to the streaming service, which was announced in March 2019 and launched last November. In July, Oprah Winfrey debuted her new show, "The Oprah Conversation," in which Winfrey interviews authors, newsmakers, and celebrities about timely topics.

The service is also home to series like "The Morning Show," which stars Reese Witherspoon, Jennifer Aniston, and Steve Carell; "Servant," produced by M. Night Shyamalan; and "See" starring Jason Momoa.  

Read the original article on Business Insider

12 popular Airbnbs with flexible cancellation policies you can lock in now for next year with no risk


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silo home airbnb

When Airbnb first rose to prominence, it suddenly became easy to elevate your vacation by booking a night in a luxury treehouse, a kitted-out airstream, or even in a converted school bus. However, many travelers took notice, and these properties became the most coveted on the platform. Finding open dates became a matter of luck.

In a normal year, booking several months or even a year in advance isn't a big deal, but 2020 has been far from normal. As such, many of these highly popular listings are now available to book with less notice and more flexibility than is typical, along with relaxed cancellation policies.

That's because 2020 has also taught travelers to be more apprehensive when it comes to making plans. If you spent any time on the phone this year trying to negotiate a refund for your pandemic-foiled vacation, it's understandable to be a little wary when considering to lock something down for 2021.

And if the uncertainty of what travel will look like next year seems like a disadvantage, consider that it also means everyone else just as uncertain. As a result, 2021 might be your best shot at securing dates for one-of-a-kind Airbnb listings, and if it has a flexible cancellation policy, there's little financial risk so long as you cancel within the required time frame.

Just note that this won't apply to all listings. Many high demand homes still enforce a strict policy that will only refund you if you cancel within 48 hours of booking. Instead, look for homes that offer flexible and moderate policies, which provide full refunds for those who cancel up to one or five days in advance.

And if you're wondering if travel is safe, experts say Airbnb is one of the safer places to stay,  because you are often booking an entire home protected from interaction with others. However, without a vaccine, there is no firm guarantee with regard to safety. It's crucial to follow guidelines and advice from organizations such as the CDC and WHO, and practice safety measures including wearing a mask, washing your hands, and maintaining social distancing. Additionally, consider your own level of risk, and whether you're traveling from or to a hotspot, so as not to increase the rate of infection.

Airbnb also announced rigorous new procedures including an Enhanced Cleaning Protocol with strict policies on personal protective equipment, approved disinfectants, and waiting periods, as well as requiring all hosts and guests to agree to a new safety mandate.

If you want to plan travel to look forward to in 2021, we selected some of the most popular, unique listings in the US on Airbnb based on the following criteria:  

  1. Every property has available dates in 2021 and flexible cancellation policies that provide the option to cancel within five days of your check-in date.
  2. Each vacation rental is for the entire listing or is fit to maintain proper social distancing.
  3. All homes either participate in Airbnb's Enhanced Clean or maintain Superhost status with excellent reviews for cleanliness.
  4. Since many borders around the world remain closed to American travelers, every listing is in the United States.
  5. Each property is well-reviewed with a rating of at least 4.8 and priced between $115 and $389 per night to start.
  6. Each listing is unique and special in a standout way related to scenery, location, or design. This could mean it feels like you've stepped into a painting, is housed in a non-traditional building, or boasts impeccable design and aesthetics.

These are some of Airbnb's most popular, unique listings you can book now for next year with flexible cancellation policies.

Travel Hotel Reviews Banner Scenery
Mini dome house in Huntsville, Utah, $115
Mini Dome House Airbnb in Huntsville, Utah

Book this mini dome house starting at $115 per night

This dome-shaped home is a cozy hideaway with a stone patio overlooking a picture-perfect mountain vista located in between three of Utah's ski resorts. Housed on the property of a larger dome, which is where the hosts live, it's built like a proper cabin but has a dome-shaped roof.

Inside, distressed furniture ties together a vintage look with a curved ceiling that lends itself to geometric wood paneling adorned with decorative embroidery and hanging oil lanterns. With two beds, the dome is large enough to sleep three people. While a gas stove keeps the place heated in the winter, it also is air-conditioned in the summer.

There is also a small kitchenette with a coffee maker, microwave, and mini-fridge. From the stone patio (which is outfitted with chairs, a grill, and a fireplace) past guests have seen moon rises, rainbows, and glorious sunsets. 

At the time of writing, this listing has some availability in January and February of next year but opens up completely from March onwards.

Rating: 4.9

COVID-19 cleaning procedures: This home participates in Airbnb's Enhanced Clean program, meaning the host is committed to a rigorous cleaning protocol developed with leading health and hospitality experts.

Cancellation policy: You can get a full refund on this booking up to 24 hours before check-in.

Tiny house in Stevensville, Montana, $150
Airbnb tiny house

Book this tiny house starting at $150 per night

With its storybook window looking out towards the distant mountains, this tiny home in Montana is the picture of seclusion.

Not as small as other tiny homes out there, it's still quite compact while housing impressive amenities like a flat screen TV, a fireplace, a washer, dryer, and a full kitchen. The top deck is perfect for enjoying hillside views, while the rustic interior design is cozy and bright thanks to the large windows, light-colored wooden finishes, and white tile. There are also stainless steel appliances in the kitchen and a rain shower in the bathroom for added comfort.

Forty minutes south of Missoula and at the end of a dirt road in the Bitterroot Valley, this is a prime spot for anyone looking to get away from it all and maybe do a little bit of hiking or fly fishing.

At the time of writing, this listing does not have any available dates until February 2021, but the calendar opens up after that.

Rating: 5.0

COVID-19 cleaning procedures: This listing does not specify COVID-related policies, however,  recent guests reviewed the home as sparkling clean, and the host is a Superhost, a title reserved for experienced, highly rated Airbnb hosts who are committed to providing great stays.

Cancellation policy: You can cancel this booking for a full refund up to 24 hours before check-in.

Farm stay with a private pond in Fairfield, Vermont, $200
Home with a Private Pond in Fairfield Airbnb

Book this farm stay with a pond starting at $200 per night

For a getaway into a pastoral scene of meadows, cows, and mountains, consider this farm stay in Vermont. Large enough to sleep seven, this house sits on 300-acres of a working dairy farm.

In addition to its epic view of Mount Mansfield, it is also conveniently located between two major Vermont ski resorts. The house has all the charm of a cozy cottage without sacrificing on space and guests staying here will have access to the whole yard and can go fishing or swimming in the pond. Skiing, leaf-peeping, or hiking are also easily accessible for a year-round escape.

In the living room, a wood stove is the centerpiece of the neutral-toned interior, but it's the grandfather clock in the corner and rocking chairs that really pull the comfy vibes together. Past guests particularly loved how they were able to enjoy the view from any angle and interact with the animals on the farm. Plus, not many Airbnbs have their own private and swimmable ponds exclusively for their guests' use and you can also buy organic grass-fed beef and milk straight from the farm during your stay.

At the time of writing, this listing is completely available after the first week of January.

Rating: 4.9

COVID-19 cleaning procedures: This home participates in Airbnb's Enhanced Clean program, meaning the host is committed to a rigorous cleaning protocol developed with leading health and hospitality experts.

Cancellation policy: You can cancel this booking for up to five days before check-in for a full refund.

Secluded desert home in Palm Springs, California, $389
Secluded House in Palm Springs, California Airbnb

Book this desert home starting at $389 per night

If you need a lot of space, this three-bedroom home in the Palm Springs area can sleep up to six people and sits on five private acres with sunrise views of Joshua Tree National Park and is just 15 minutes away from Palm Springs. With over 500 reviews, this is one of the hottest homes in the area that you can book on Airbnb. Palm Springs is also expected to be one of the most popular places to visit on Airbnb in 2021.

The centerpiece is the dome-shaped living room where the 26-foot high ceiling and 360-degree windows mean you never have to take your eyes off the view. The spacious interior is decorated with pop-art furniture pieces like the modular bookshelf and multi-colored string chairs, and the kitchen is perfect for cooking large meals with a wraparound countertop and stainless steel island. All three bedrooms are flushed in natural light and added amenities include a workspace, indoor fireplace, hot tub, and patio dining area, which sits next to a cactus garden.

At the time of writing, this listing still has a few dates available in January, February, March of 2021, but the calendar completely opens up after April.

Rating: 4.9

COVID-19 cleaning procedures: This home participates in Airbnb's Enhanced Clean program, meaning the host is committed to a rigorous cleaning protocol developed with leading health and hospitality experts.

Cancellation policy: You can cancel this reservation for up to five days before check-in for a full refund.

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The old Spanish consulate in Pensacola, Florida, $131
The Old Spanish Consulate in Pensacola, Florida Airbnb

Book this restored consulate starting at $131 per night

If you want to stay in a place with some history, try this old Spanish consulate in Pensacola, Florida.

Sometimes referred to as "the castle," this historic building is surrounded by tall palm trees, and includes a tower room that is decked out with wood paneling and an iron spiral staircase that leads into a small loft with views overlooking the Gulf of Mexico. The decor is classical but eccentric with art pieces that invoke tropical elegance such as hanging tapestries, still-life paintings, and cultural masks.

On the property, you can also take advantage of the pool and garden, which is a shared amenity among guests.

At the time of writing, 2021 is completely open.

Rating: 4.9

COVID-19 cleaning procedures: This home participates in Airbnb's Enhanced Clean program, meaning the host is committed to a rigorous cleaning protocol developed with leading health and hospitality experts.

Cancellation policy: You can cancel this booking for up to five days before check-in for a full refund.

Off-the-Grid Adobe Home in Terlingua, Texas, $132
Off the Grid Adobe Home in Terlingua, Texas Airbnb

Book this off-the-grid-home starting at $132 per night

Located in a prime location for stargazing (sometimes clear enough to see the Milky Way) and not far from Big Bend National Park, this clay-dwelling offers an unconventional lodging experience.

Isolated, off-the-grid, and completely solar-powered, this is the place to unplug. Inside, you'll find enough space for a small kitchen with a stove and fridge, a double bed, and a small desk area. There is a composting toilet outside but unfortunately, no shower or air-conditioning. So, this listing is most suitable for travelers who are willing to rough-it in exchange for spending a night or two in stunning seclusion in a wholly unique home located under a dark sky ordinance.

At the time of writing, it is only possible to book dates in January although it is usually available in the summer, so keep checking back for when the host opens up the calendar.

Rating: 4.9

COVID-19 cleaning procedures: This home participates in Airbnb's Enhanced Clean program, meaning the host is committed to a rigorous cleaning protocol developed with leading health and hospitality experts.

Cancellation policy: During the off-peak season you can cancel this booking up to five days in advance for a full refund.

Silo in Independence, Virginia, $170
Silo Home in Independence, Virginia Airbnb

Book this silo starting at $170 per night

A barn silo in a past life, this newly-renovated Airbnb now is a gorgeous home that resembles something of a fairy tale tower.

Although it seems narrow, you'll have the top two floors to yourself, which come with panoramic views of the countryside from a King-sized bed surrounded by a circular wall of windows. There's also a private deck and a smaller silo, where you'll find the bathroom. Warm wood lines the living space, flanked by a staircase that was handmade from fox grapevine.

Although you will have the entire silo to yourself, the kitchen is shared with other guests but is outdoors, which is beneficial for social distancing.

At the time of writing, there are still many open days from January to May 2021 and the calendar completely opens up starting in June.

Rating: 5.0

COVID-19 cleaning procedures: This home participates in Airbnb's Enhanced Clean program, meaning the host is committed to a rigorous cleaning protocol developed with leading health and hospitality experts.

Cancellation policy: You can cancel this booking up to five days before check-in for a full refund.

Giant cedar tree-house in Ferndale, Washington, $175
Giant Cedar Treehouse in Ferndale, Washington Airbnb

Book this cedar tree-house starting at $175 per night

With a four-foot-wide Western Red Cedar at its center, this unique tree-house is a majestic place to rest your head, just two hours north of Seattle. This handcrafted home is an impressive feat with a living room, kitchen, and bedroom big enough for two people. There's also a small stovetop and mini-fridge in the kitchenette, decorated with rustic details like woodland-inspired artwork and even an intimate window seat perfect for sipping a hot drink on a cozy morning among the treetops.

Recent reviews rave about the special thought and care taken by the host to make them feel welcome, as well as the seclusion and peacefulness of the forest location.

At the time of writing, most weekends are still available in January and February and May and all other months are completely open.

Rating: 4.9

COVID-19 cleaning procedures: This listing does not specify COVID-related policies, however,  recent guests reviewed the home as sparkling clean, and the host is a Superhost, a title reserved for experienced, highly rated Airbnb hosts who are committed to providing great stays.

Cancellation policy: You can cancel this booking up to five days before check-in for a full refund.

Unique for Design
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Micro loft in Portland, Oregon, $89
Micro Loft in Portland, Oregon Airbnb

Book this micro loft starting at $89 per night

Although this lofted apartment is a small space, the clean lines draw your eye in, and contrasting light and dark neutral colors give it depth, while the artistic metal handrail keeps things interesting. As a result, the overall feel is contemporary, clean, and super sleek.

The custom-built home has an open layout with tall ceilings and a lofted bedroom. There's also a living area, kitchen, and shared outdoor patio and grill.

Located in the Mississippi District of North Portland, this is a great neighborhood for exploring local shops, restaurants, bars, and the downtown area. This listing is also an Airbnb Plus property, which means the amenities are well-curated, the design is thoughtful, and the hosts come highly recommended. 

At the time of writing, this listing has mostly full availability apart from a few weeks that have been claimed in March, June, August, and October.

Rating: 4.9

COVID-19 cleaning procedures: This home participates in Airbnb's Enhanced Clean program, meaning the host is committed to a rigorous cleaning protocol developed with leading health and hospitality experts.

Cancellation policy: You may cancel for a full refund for up to five days before check-in.

Historic carriage house in Denver, Colorado, $124
Historic Carriage House in Denver, Colorado Airbnb

Book this carriage house starting at $124 per night

Formerly a horse stable for the Victorian mansion next door, this colorful apartment is a meal for the eyes, exuding rustic and masculine energy with a lot of distressed wood, exposed brick, and industrial Americana-inspired decor on the walls.

It also offers enticing amenities like a private hot tub and heated floors in the bathroom. The kitchen is well-equipped with stainless steel appliances and lots of counter space, and the bathroom is compact but exceptionally good-looking with custom tile work and concrete counters designed by the owner. As an Airbnb Plus listing, amenities are guaranteed to be fully-stocked and the hosts are well-reviewed.

At the time of writing, this listing has a few free weeks in January and February but opens up more in March. Some days in summer 2021 have already been claimed but there are still plenty of weekends and open spots left.

Rating: 5.0

COVID-19 cleaning procedures: This home participates in Airbnb's Enhanced Clean program, meaning the host is committed to a rigorous cleaning protocol developed with leading health and hospitality experts.

Cancellation policy: You can cancel this booking up to five days before your trip for a full refund.

Converted synagogue in New Orleans, Louisiana, $195
New orleans airbnb synogogue

Book this converted synagogue starting at $195 per night

When you visit a city with as much swagger as New Orleans, consider staying in this stylish penthouse located in a former synagogue.

The 200-year old building was transformed into a Madonna-inspired penthouse and has two bedrooms with two King-sized beds and two private bathrooms. With tall exposed-brick walls, lush touches of velvet, bold color splashes, and funky pattern combinations, the design feels purposeful and well planned. There are also plenty of well-preserved details such a large archway that leads you into the loft, and original brick walls that offset the pop-art design aesthetic.

However, you'll probably want to spend all your time in the courtyard, which delivers more color with a campy, fun sculpture garden. 

At the time of writing, the calendar is only open up until January, but will likely open up more as the end of the year grows closer.

Rating: 4.8

COVID-19 cleaning procedures: This home participates in Airbnb's Enhanced Clean program, meaning the host is committed to a rigorous cleaning protocol developed with leading health and hospitality experts.

Cancellation policy: You can cancel up to 24 hours before check-in for a full refund.

Tree-house nest at Emu Ranch in Atlanta, Georgia, $275
Archimedes Nest at Emu Ranch in Atlanta, Georgia Airbnb

Book this tree-house on an emu farm starting at $275 per night

This airy home is a botanical paradise perched among the trees on Emu Ranch in East Atlanta.

An open floor plan features natural textures, repurposed woods, a subway-tiled full kitchen, and modern furnishings framed by large windows and a fireplace. A dramatic spiral staircase leads up to the lofted bedroom and reading nook area for a romantic retreat that seems worlds away, even if it's still technically within the city limits.

On property, you'll also have access to tranquil gardens, which are home to the host's collection of exotic birds such as toucans, peacocks, and, of course, emus.

At the time of writing, this listing is mostly available in 2021 apart from a few claimed days in the spring.

Rating: 4.9

COVID-19 cleaning procedures: This home participates in Airbnb's Enhanced Clean program, meaning the host is committed to a rigorous cleaning protocol developed with leading health and hospitality experts.

Cancellation policy: You can cancel this booking up to five days before check-in for a full refund.

Read the original article on Business Insider

Russia enacted a national mask mandate. Trump still won't do so, though it could save an estimated 63,000 lives.

russia coronavirus
Police officers in face masks patrol the Red Square in Moscow, Russia, in May 2020.

Global coronavirus cases have hit record daily highs.

In the last week, Russia reported an average of 16,300 new cases per day, its highest seven-day average yet. Cases there topped 17,000 for the first time ever Friday. The US, meanwhile, tallied more than 83,000 new cases on Friday — the country's highest ever.

Russia's rising cases prompted Rospotrebnadzor, the government's health and consumer rights agency, to issue a national mask mandate on Tuesday.

The new restrictions stipulate that citizens must wear masks on public transportation, including in taxis, as well as in parking garages, elevators, and any place where more than 50 people can gather, the New York Times reported. They also call for restaurants and entertainment values to close between 11 p.m. and 6 a.m..

Rospotrebnadzor head Anna Popovaza said additional lockdowns aren't on the table for now. Russia locked down for six weeks at the start of the pandemic — movements of citizens in Moscow were even monitored using a digital tracking system. President Vladimir Putin reopened manufacturing and construction businesses on May 11, and Russia's non-essential retail and restaurants returned in June

"If we do not cope with this phase, then we will talk about additional restrictions," Popovaza told Russian news agency RIA on Tuesday.

A change from Putin's previous handling of the pandemic

Russia's order is a reversal from Putin's previous approach to controlling the virus's spread; for the most part, he has left Russia's response in the hands of its 85 regional governors.

Russian President Vladimir Putin is seen on June 30, 2020.

According to Reuters, Putin said this summer that Russia's strategy was superior to the US's, despite their similarities, since Russia's federal and regional authorities worked together.

"I can't imagine someone in the government or regions saying we are not going to do what the government or president say," Putin told state TV stations in June.

He also rebuked the politicization of the pandemic in the US, saying, "It seems to me that the problem is that group — in this case party — interests, are put above those of society's as a whole, above the interests of the people."

Russia currently has the fourth-highest number of coronavirus infections worldwide: over 1.5 million. The US has nearly six times that: 8.7 million cases.

About 26,000 Russians have died from the virus, compared to 225,000 Americans, but experts suggest Russia's death toll could be higher than it has reported. 

The US has no mask mandate

A majority of US states, including Texas, New York, and Pennsylvania, have a statewide mask rule, but the US as a whole does not have a mandate in place. (Seventeen states have mask requirements in only parts of the state, while South Dakota has no rule in place at all.) 

The US has faced an uphill battle in increasing the adoption of masks. Face coverings have come to be seen by some, including President Trump, as a political statement. Protesters have rallied against mask mandates, saying they violate personal freedom.

trump mask white house rally coronavirus
President Donald Trump takes off his face mask on a White House balcony in Washington, October 10, 2020.

But Anthony Fauci, director of the National Institute of Allergy and Infectious Diseases, recently said that the looming winter months may require mask mandates, since experts expect the virus to spread more readily as people gather indoors.

"If people are not wearing masks, then maybe we should be mandating it," Fauci said in an interview with CNN on Friday.

Universal mask wearing is a measure the US needs to "double down" on, he added, along with hand washing and social distancing.

"They sound very simple. But we're not uniformly doing that and that's one of the reasons we're seeing these surges," Fauci said.

coronavirus task force fauci
Dr. Anthony Fauci watches as Vice President Mike Pence speaks after leading a White House Coronavirus Task Force briefing on June 26, 2020 in Washington, DC.

Fauci didn't specify whether he was suggesting mask mandates at a national or state level, however.

If 95% of Americans wore masks, it could save 63,000 lives by March

Research has shown that face coverings can prevent coronavirus transmission and save lives.

A model from the University of Washington's Institute for Health Metrics and Evaluation predicted that the US's total death count could surpass 511,000 by the end of February — more than double the number of COVID-19 deaths the nation has seen so far.

But if 95% of the country wore masks, 63,000 of those lives might be saved, the model found.

The mostly maskless crowd waiting to get into BOK Center on June 20, 2020.
A mostly mask-less crowd waiting to get into a Trump rally in Tulsa, Oklahoma, on June 20, 2020.

"Expanding mask use can be one of the 'easy wins' in the United States," Christopher Murray, director of the institute, said in a recent briefing. "It can both delay the reimposition of social-distancing mandates and can save many, many lives."

Aria Bendix contributed reporting to this story.

Editor's Note: A change in the underlying data between the acceptance and publication of an October 23 study from IHME researchers detailing their latest model suggests 63,000, not 130,000, lives would be saved if 95% of Americans wore masks. The headline and text of this article have been changed to reflect that more up-to-date projection.

Read the original article on Business Insider

This dog bowl slows down dogs that eat too fast and can prevent bloat — here's how it works


When you buy through our links, we may earn money from our affiliate partners. Learn more.

outward hound fun feeder bowl
The Outward Hound Fun Feeder Dog Bowl works like a charm for any kind of diet, from store-bought kibble to homemade.

  • The Outward Hound Fun Feeder Dog Bowl slows down dogs that eat too fast, decreasing the likelihood of choking, vomiting, and bloat.
  • It's a simple but effective dog bowl that compartmentalizes food with sturdy BPA-free plastic ridges to prevent a dog from scarfing it down too quickly.
  • It comes in five different patterns and colors and stays looking new for years.

The first time I was over at Buster's dinnertime, I watched wide-eyed and horrified as my boyfriend's dog scarfed down a bowl of kibble in 10 seconds flat. There were no other dogs around, and we humans were a good 20 feet away from his meal. "He's always eaten like this," my boyfriend shrugged.

A couple days later I showed up with a solution, an Outward Hound Fun Feeder Dog Bowl. In my day job as a certified professional dog trainer, one of my most universal recommendations is to feed dogs out of mentally stimulating puzzle toys, but Buster already got a couple of those a day filled with tasty snacks. I knew my boyfriend preferred to keep mealtimes simple. 

When dinner rolled around, we poured Buster's dinner into the labyrinth of ridges contained within the teal dog dish. When it was time, Buster descended on his meal, ready to hoover it up the way he had done for years. All those ridges, though, prevented the big Great Dane-pit mix from accessing more than a couple of pieces at once. The meal was a two-minute-long success.

How the Outward Hound Fun Feeder Dog Bowl works

The bowl is simple but effective. Made of heavy BPA, PVC, and phthalate-free plastic, the flat dish comes in either a spiral or criss-cross pattern of high ridges. There are several designs to choose from — Buster's teal bowl was a spiral design — but in each case, those ridges are close enough together that the dog can't get their snout all the way to the bowl's basin. Compartmentalizing the meal forces the dog to slow down as they eat. 

The Fun Feeder Bowl comes in a "mini" size that holds 2 cups of food and a "regular" size that holds 4 cups. Easy to clean and dishwasher-safe, the nonslip bowl works like a charm for any kind of diet, from store-bought kibble to homemade. 

While I have only tried the teal, purple, and orange versions of Outward Hound's five different Fun Feeder designs, some are better than others. The unbroken spiral in the orange bowl, for example, is so narrow in places that it's nearly impossible for a dog to get enough traction to pick up their food.

When I gave Ripley, a long-legged Chihuahua mix, the chance to test it out, I noticed she had to push some of the pieces of food all the way around the spiral before she could get it in her mouth. For some dogs that might be good additional mental gymnastics, but for others, it is likely to cause frustration and discontent. 

The potential benefits of an Outward Hound Fun Feeder

Outward Hound Fun Feeder review
When a dog eats from an Outward Hound Fun Feeder Bowl, they can't scarf their food down.

There are some cognitive benefits to slowing a dog down at mealtime. While the Fun Feeder may not be as effective at providing mental stimulation as puzzle toys, these bowls help to tap into a dog's scavenging instincts. By working for their food, a dog gets more out of the meal than nutrition alone.

Equally as important are the potential health benefits a Fun Feeder bowl can provide. The faster a dog eats, the more thoughtless the activity becomes, making it easier for them to choke, vomit, or experience gastrointestinal distress. 

And then there's bloat. When a dog eats too fast, they swallow air along with their food, a potentially deadly condition called aerophagia. As the stomach fills with air, its blood vessels compress, leading to hypovolemic shock or even twisting of the stomach. By slowing down a dog's consumption, these bowls can decrease the likelihood of bloat.

What this dog bowl can't do

What the bowl doesn't tell you is why your dog is eating is so fast. While hunger could be what's driving some dogs to hoover their meals, Dr. Carlo Siracusa, DVM, associate professor of clinical animal behavior and welfare at the University of Pennsylvania School of Veterinary Medicine, says that it's important to look at the whole picture. 

"There might be many reasons. One might be that you have more dogs in the house and they are not fed separately, and even if they are, there's not a physical barrier and they are afraid the other dog might come," Dr. Siracusa says. If you do select a slow feeder like the Outward Hound, he recommends watching your dog's body language to be sure they are enjoying the challenge the bowl presents.

The bottom line

For Buster, the teal Outward Hound Fun Feeder was a hit. The dish held every meal he ate for the next two years, and when he passed away unexpectedly at the age of 10, it still looked brand new — not one chip or ding or stain. If you've ruled out other possible behavioral triggers, these bowls are a great way to slow down a dog who eats too quickly.

Pros: Slows down a dog that eats too fast, decreases likelihood of bloat, choking and GI distress, free of BPA and other chemicals, sturdy and well-made, comes in five designs and colors

Cons: May be too frustrating for some dogs, won't solve behavioral problems associated with eating too fast, the ridges on the orange bowl are very narrow

Read the original article on Business Insider

The wife of Supreme Court Justice Clarence Thomas is using her Facebook page to spread misinformation about Joe Biden

virginia ginni thomas
Ginni Thomas and her husband, Supreme Court Justice Clarence Thomas, at the Federalist Society in Washington, DC, in 2007.
  • Ginni Thomas, the wife of Supreme Court Justice Clarence Thomas, is using her Facebook page to amplify unsubstantiated claims of alleged corruption involving Joe Biden.
  • Thomas asked her 10,000 followers to share a link to a site discussing a now-disputed news story purporting to show evidence of corruption by the Democratic nominee.
  • Thomas, a longtime conservative activist, regularly shares conspiracy theories on her social media.
  • Justice Thomas has never recused himself from cases as a result of his wife's activism.
  • Visit Business Insider's homepage for more stories.

The wife of Supreme Court Justice Clarence Thomas is using her Facebook page to amplify unsubstantiated claims of corruption by Joe Biden.

Ginni Thomas, a longtime conservative activist, asked her more than 10,000 followers Monday to consider sharing a link focused on alleged corruption by the Democratic nominee for president and his son, Hunter, as well as claims that social media companies are censoring reports about the Bidens.

Other spouses of justices also have their own professional identities, but Thomas is the only one whose work involves partisan politics that sometimes butts up against her husband's job. Clarence Thomas is the longest-serving current justice, having joined the court in 1991, and he administered the oath at the swearing in of new Justice Amy Coney Barrett on Monday evening. Barrett's confirmation following a rushed process to install her on the court before the election gives conservatives a 6-3 court majority.

Read more: Amy Coney Barrett's confirmation means a more conservative Supreme Court is primed to weaken or nix Roe v. Wade. Here are 16 abortion cases in the pipeline to the high court.

Justice Thomas has never considered his wife's political activism disqualifying. He has not stepped aside from any case involving Trump or current disputes over absentee-ballot extensions and other voting issues. A court spokeswoman did not respond to requests for Thomas to comment on this story.

Both Thomases were at the White House Monday for the ceremony. During the ceremony, Ginni Thomas sat, unmasked, next to Jesse Barrett, the new justice's husband.

She wrote on Facebook Tuesday that she was "so excited" to be at Barrett's swearing in. "Clarence said as we left, I wish your Mom was still alive, which drew my tears, as she would be living each minute and emotion of this historic day...a day President Trump made possible!" Thomas wrote.

The couple also attended a private ceremony at the court Tuesday, where all the attendees wore masks, according to court spokeswoman Kathy Arberg.

Longtime conservative activist, conspiracy theory spreader

Ginni Thomas is an avid backer of President Donald Trump and an influential conservative activist who posts pictures of Trump supporters campaigning in Virginia. She also was a delegate to the Republican convention in Charlotte, North Carolina, this summer.

In a photo she posted in February, Thomas is seated next to Trump at a White House meeting in 2019. Other conservative leaders have called her "crucially important" and "an indispensable leader of the conservative movement. More than a dozen photos she posted online show her husband with Trump or Vice President Mike Pence.

Ginni Thomas regularly shares conspiracy-minded memes.

Last week, she reposted a video that features Trump personal lawyer Rudy Giuliani and the headline, "The Biden Crime Family: How They Made Millions."

Again asking people to share the link, Thomas wrote, "The mainstream media does not want people to know the facts of what this video reveal."

On October 14, she pointed followers to an attack on philanthropist George Soros. "Who is really running the Democrat Party? The Soros family," the shared link says, featuring photos of Soros' relations with Democratic vice presidential nominee Kamala Harris, Speaker Nancy Pelosi and Hillary Clinton.

On October 12, she linked to a video by conservative commentator Dan Bongino asserting that Biden is suffering from dementia.

Three times in October, she wrote about what Trump and his supporters call Obamagate, an that former President Barack Obama broke the law by spying on Trump and his associates during the transition between their administrations.

On October 10, she wrote, "More citizens should KNOW about the biggest scandal and the evidence now piling up! #ObamaGate."

Two of her favorites targets are "the left" and "the media." On October 17, she posted a photo of a Black man identified as a conservative who was protesting outside Twitter headquarters in San Francisco. The photo shows the man with a bloodied mouth and teeth missing. She wrote, "Why is the left violent and why don't Democrat's condemn this?"

A few hours earlier, Thomas complained about apparent collusion between the media and the Biden campaign to shield the candidate from tough questions. "Media + Biden/Harris team = PROPAGANDA and Corruption. #WalkAwayFromDemocrats and the Mainstream Media! Find new news sources!" she wrote.

Read the original article on Business Insider

US stocks close mixed as tech surge battles against industrial sell-off

Traders NYSE red worried
  • US stocks closed mixed on Tuesday as investors weighed optimism in the tech sector against continued sell-offs in other corners of the market.
  • Xilinx traded higher after Advanced Micro Devices announced it will buy the latter in a $35 billion all-stock deal. The acquisition and anticipation for Microsoft's afternoon earnings report drove tech stocks higher.
  • Yet the leaping tech sector failed to pull the S&P 500 and Dow Jones industrial average into positive territory. A resurgence of coronavirus hospitalizations weighed heavily on financial and industrial stocks.
  • The mixed session follows the S&P 500's worst day in a month. Monday saw major indexes tumble on the confluence of waning stimulus hopes and record new COVID-19 cases.
  • Watch major indexes update live here.

US stocks closed mixed on Tuesday as renewed concerns around surging coronavirus cases squared off with rallying tech stocks.

Advanced Micro Devices boosted the tech sector after announcing it will buy chipmaker Xilinx in a $35 billion all-stock deal. The purchase is set to close by the end of 2021 and will give AMD a significant leg up in competing with rivals such as Intel. Xilinx leaped on the news, while AMD sank throughout the day.

Microsoft also lifted the group as investors scooped up shares ahead of its third-quarter report's afternoon release. Apple, Amazon, Alphabet, and Facebook are all slated to report on Thursday, setting the tech sector up for a make-or-break trading day.

Here's where US indexes stood at the 4 p.m. ET market close on Tuesday:

Read more: Bank of America's restaurant analyst told us the 7 stocks that will thrive as frigid winter weather rocks the industry — and broke down the factors that could hurt certain popular destinations

Though the Nasdaq composite rode tech stocks into a one-day gain, other sectors dragged on peer indexes. Financial and industrial stocks slammed the S&P 500 amid a worsening economic backdrop. The Conference Board's index of consumer confidence posted a surprise decline, and surging COVID-19 hospitalization counts across the US revived fears of a prolonged downturn.

Tuesday's price action came after the S&P 500 fell by the most in a month on Monday. Investors faced a double whammy of exhausted stimulus hopes and record-high new COVID-19 cases in the US. Industrials tumbled after China announced sanctions against Boeing, Raytheon, and Lockheed Martin over arms sales to Taiwan.

Read more: MORGAN STANLEY: Stocks could fall another 9% as the new bull market faces a rising tide of risks — and these 2 cyclical sectors are the best long-term trades to take advantage of

Markets are poised to face increased volatility with one week left before the US presidential election. While Joe Biden, the Democratic nominee, has enjoyed a healthy lead in polls, some analysts fear that a closer race could lead to a contested election and market chaos.

Not all economic data published Tuesday pointed to fresh weakness. US durable-goods orders grew 1.9% in September, the Census Bureau said in a preliminary report. Economists surveyed by Bloomberg had expected orders to climb by just 0.5%. The reading joins other reports suggesting the economic recovery is stable and may not require more stimulus to continue.

Read more: Nancy Zevenbergen has outperformed 99% of her investor peers over the last 5 years. She shared 5 tips for starting a successful growth fund — including ones adopted by fellow Wall Street titans Warren Buffett and Cathie Wood.

Bitcoin climbed as high as $13,756.33 as the cryptocurrency rally continued into its second week. The jump places bitcoin within striking distance of the $14,000 resistance level. The token has garnered fresh interest in recent weeks as investors look for more novel hedges against rising inflation.

Spot gold gained, rising as much as 0.5%, to $1,911.46 per ounce. The US dollar fell against a basket of major peers, and Treasury yields slid for the third straight day.

Oil prices rebounded after tanking on Monday. West Texas Intermediate crude jumped as much as 3.3%, to $39.83 per barrel. Brent crude, oil's international standard, rose 2.5%, to $41.47 per barrel, at intraday highs.

Now read more markets coverage from Markets Insider and Business Insider:

A fund manager who 'aggressively pushed' Jeremy Grantham's GMO to launch its first climate change fund shares how to capitalize on clean energy before it's too late — including 4 top stock picks

A top exec at a $1.8 billion hedge fund asked his followers for their favorite election trades. Here are the best responses.

Palantir will surge 31% as Wall Street realizes potential for breakneck profit growth, Morgan Stanley says

Read the original article on Business Insider

The Supreme Court's decision on Wisconsin's ballot receipt deadline hints at how they could rule on other key 2020 election issues

Supreme Court building Sept 2020
Workers prepare for a memorial service for late US Supreme Court Justice Ruth Bader Ginsburg at the US Supreme Court on September 22, 2020 in Washington, DC. - Ruth Bader Ginsburg will lie in repose at the Supreme Court on September 23 and September 24, 2020, before lying in state Friday at the US Capitol, both institutions announced. The late justice, whose death at age 87 has given President Donald Trump a rare chance to cement a conservative majority on the court, will be buried next week in a private ceremony in Arlington, near the US capital.
  • The US Supreme Court ruled 5-3 to uphold an appeals court decision requiring mail ballots in the key battleground state of Wisconsin to be received by the time the polls close on Election Day.
  • Justice Kavanaugh's concurrence drew concern because he embraced the notion that state courts should have limited authority to change state laws, and because he argued that states shouldn't allow ballots to arrive after Election Day. 
  • While Chief Justice John Roberts and Justice Neil Gorsuch agreed that a lower federal court overstepped in changing Wisconsin's deadline, they didn't go as far as Kavanaugh.  
  • Now, the wild card is how brand-new Justice Amy Coney Barrett will rule on the interpretation of election laws. 
  • Visit Business Insider's homepage for more stories.

On Monday night, the US Supreme Court ruled 5-3 to uphold an appeals court decision requiring mail ballots in the key battleground state of Wisconsin to be received by the time the polls close on Election Day. It's a decision that hints at how the now nine-justice court may approach similar cases in the near future. 

The current case began when Wisconsin District Court Judge William Conley ruled in September to require Wisconsin officials to accept mail ballots that are postmarked by Election Day and arrive six days later because of the COVID-19 pandemic. 

Wisconsin officials appealed the case to the 7th Circuit Court of Appeals, which overturned the lower court decision and restored the deadline set by the state legislature for mail ballots to be received by November 3. The Democratic National Committee then appealed that decision to the Supreme Court, which ruled to affirm the 7th Circuit's decision. 

At around the same time that the Court issued their ruling, the US Senate officially confirmed the Court's newest Justice Amy Coney Barrett, who was sworn in her by her new colleague Justice Clarence Thomas at a White House ceremony.

In this case, the Justices who wrote concurring opinions -- Justice Brett Kavanaugh, Chief Justice John Roberts, and Justice Neil Gorsuch -- agreed that the federal court decision improperly infringed on the right of the Wisconsin state legislature to set the rules surrounding the November election as set in Article II of the Constitution. 

A major flashpoint in the decision emerged between Justice Kavanaugh's concurrence and Justice Elena Kagan's dissent.

Kavanaugh's concurrence alarmed liberals and voting rights advocates for several reasons because he cited Chief Justice Rehnquist's controversial concurrence in Bush v. Gore, which advanced a theory that state courts should have very limited ability to change state laws around elections.

"A federal court's alteration of state election laws such as Wisconsin's differs in some respects from a state court's (or state agency's) alteration of state election laws," Kavanaugh wrote. "That said, under the U. S. Constitution, the state courts do not have a blank check to rewrite state election laws for federal elections. Article II expressly provides that the rules for Presidential elections are established by the States 'in such Manner as the Legislature thereof may direct.'" 

There was also concern over how Kavanaugh took aim at the entire concept of counting mail ballots that are postmarked by Election Day but arrive after, which 18 states and the District of Columbia allow. He wrote that states that require ballots to be received by Election Day "avoid the chaos and suspicions of impropriety that can ensue if thousands of absentee ballots flow in after election day and potentially flip the results of an election."

As several commentators noted, Kavanaugh's concurrence had multiple misleading statements and comparisons, from quoting an article from New York University law professor Richard Pildes out of context, not distinguishing between receipt deadlines and submission deadlines, and incorrectly claiming that Vermont has not made any changes to its election rules during the pandemic (the legislature had in fact authorized election officials to send every registered voter a mail-in ballot). 

Kagan directly refuted Kavanaugh in her dissent.

"Justice Kavanaugh alleges that 'suspicions of impropriety' will result if 'absentee ballots flow in after election day and potentially flip the results of an election,' Kagan wrote. "But there are no results to "flip" until all valid votes are counted. And nothing could be more 'suspicio[us]' or 'improp[er]' than refusing to tally votes once the clock strikes 12 on election night. To suggest otherwise, especially in these fractious times, is to disserve the electoral process."

While both Justices Gorsuch and Roberts agreed that the district court acted improperly for a federal court in changing a law set by the state legislature, neither went as far as Kavanaugh in their opinions. 

"I get that there will be a lot of freaking out about Justice Kavanaugh's WI opinion today. And to be clear, I think it's bad (and also shoddy). But among the most meaningful aspects of his opinion is that he's the only one who signed it," Justin Levitt, an election law expert, and professor at Loyola Marymount University wrote on Twitter.

The unknown factor is how the newly-confirmed Justice Barrett would side on these issues and if she would share Kavanaugh's views that not only are state courts limited in what changes they can make to election procedure but that in principle, states should require ballots to arrive by Election Day. 

It's highly unlikely for this election to be contested enough to end up in the Supreme Court, there is no official role for the Court to play in resolving an election, and we don't know much about how Barrett would approach election-related cases — a topic she largely declined to comment on in her confirmation hearings. 

But Barrett and the originalist legal approach she espouses could play a decisive role in the high court's upcoming election-related decisions. Indeed, President Donald Trump has explicitly said multiple times that he wants Barrett on the court for that reason. 

There are still two high-profile cases on ballot receipt deadlines before the court. They include another petition from Pennsylvania Republicans asking the court again to reverse the extension of Pennsylvania's mail ballot deadline from November 3 to Friday, November 6, and a petition from the Trump campaign and North Carolina Republicans asking the Supreme Court to strike down North Carolina's extended deadline for mail ballots to be received. 

"The Supreme Court, in dealing the first time with that Pennsylvania case deadlocked 4-4, with the four conservative justices appearing to embrace this idea that state courts, applying state constitutions, are really limited in what kinds of remedies they can give," Rick Hasen, an election law expert and professor at University of California-Irvine, told NPR's Morning Edition on Tuesday.

"Now we have a fifth Justice, Justice Barrett, who is quite conservative. We don't know exactly how she'd rule on this issue, but if she's with the other conservatives, she could be part of a majority that, in the case of a close election, could look at more restrictive rules that could affect things like recounts," he added. 

Read the original article on Business Insider

Apple is warning iPhone 12 users of potential issues they may have with the new MagSafe charger, including damage to their iPhone case

Apple iPhone 12 5G October event MagSafe wireless charger case
The iPhone 12 charging using Apple's new MagSafe charger.
  • Apple has issued new guidance about its MagSafe chargers for the iPhone 12. 
  • In a page on Apple's support site, it provides instructions for getting the best charge,  including clearing the charging pad of debris and using a 20 W or greater power adapter for the fastest charging. 
  • But it also warns of three potential issues: that your iPhone or the charger could get too hot; that placing credit cards or items with RFID chips in between your phone and the charger could damage them; and that the charger could leave circular marks on leather iPhone cases. 
  • The charger may also damage Apple's silicone cases: a photo shared with MacRumors shows faint but clearly visible circular marks on the case. 
  • Visit Business Insider's homepage for more stories.

Apple has issued new guidance about its MagSafe chargers for the iPhone 12. 

The new chargers, which Apple unveiled earlier this month at its annual iPhone event, magnetically snap to the back of the new iPhone 12 models. The goal is to make wireless charging a more seamless process — in the past, devices needed to be placed on a wireless charging pad or stand in exactly the right position in order for them to charge. With MagSafe, the magnets will ensure your device is always in the correct spot. 

Apple recently published a page on its support site about how best to use the new charger, which includes clearing the charging pad of objects or debris and using a 20 W or greater power adapter for the fastest charging. 

But Apple also warned of a few issues users may face with the MagSafe charger:

1. The charger or your phone may get too warm

MagSafe iPhone 12 back
The iPhone 12 charging with Apple's MagSafe charger.

On the support page, Apple warned that the MagSafe charger may get too warm while you're charging your phone, which could cause the phone's software to halt charging above 80%. Charging would resume after the phone or the charger cools down — Apple recommends moving your phone and charger to a cooler spot. 

Heat during charging is common with wireless chargers and is likely nothing to worry about. As ZDNet's Adrian Kingsley-Hughes pointed out, even when your phone gets warm during charging, it's still within normal temperatures for a smartphone and is unlikely to damage the device — especially considering that Apple's software will pause charging to preserve the health of the battery. 

If you're concerned about the heat, make sure the charging pad is on a hard surface and not in direct sunlight, according to ZDNet. 

2. Credit cards could be damaged if they get in between your phone and the charger

Apple iPhone 12 MagSafe leather wallet
The leather MagSafe wallet for the iPhone 12.

MagSafe chargers rely on magnets to snap the charger to the back of your device. While that's helpful for wireless charging, it could cause harm to other objects and devices. 

Apple warns not to place credit cards, security badges, passports, or key fobs in between your phone and the charger, as that might damage magnetic strips in cards or RFID chips. Magnets have the ability to erase the information stored on your credit card and Apple says the magnets may also reduce the performance of items with RFID chips. 

Wireless chargers rely on something called magnetic induction, so the same is true for any wireless charger, not just Apple's new MagSafe version. But the reason it's particularly important to be aware of now is because of Apple's new MagSafe accessories — particularly the leather wallet that snaps to the back of the new iPhone 12. If you do choose to use the new wallet, make sure you remove it before wirelessly charging your device. 

3. The charger may damage your iPhone case

Apple iPhone 12 5G October event MagSafe wireless charger case

The new MagSafe charger will charge your phone if you keep your case on, unless you use a metal case or a particularly thick one.

But if you use a leather case, you may also want to remove it before charging: At the bottom of its support page, Apple warns that the charger may leave circular imprints on your case after you remove it from the charger. 

And while Apple doesn't mention silicone iPhone cases, the same may be true for those cases as well. According to a photo shared with MacRumors, the charger appears to leave faint but clearly visible marks on the case. 

Read the original article on Business Insider

Alaska is known for its fresh, sustainably harvested seafood — now you can enjoy it wherever you are through a monthly subscription


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wild alaskan company 5

Table of Contents: Masthead Sticky

While other kids grew up playing soccer or riding bikes in their backyard, Arron Kallenberg was raised on his family's commercial fishing boat in Bristol Bay, Alaska, home to the largest sockeye salmon fishery in the world

After spending 15 years working at internet startups, Kallenberg returned to these fishing roots, incorporating his knowledge of technology to create the subscription-based Wild Alaskan Company

Its mission is simple: the service delivers wild-caught seafood from Alaska and the Pacific Northwest to everywhere in the US except Hawaii.

And the seafood from these regions of the country isn't just delicious, it's also more environmentally friendly than your typical supermarket fish selection. That's because Alaska mandates directly in its constitution that seafood must be maintained on the sustained yield principle, which prevents the long-term depletion of natural resources. 

How it works and what to expect

All year long, the company offers sockeye salmon, coho salmon, Alaskan halibut, and Pacific cod. Depending on availability, it also stocks rockfish, wild Alaska pollock, sablefish, and weathervane scallops.

You can't get this seafood a la carte. Instead, items are bundled together into various plans: the Wild Salmon Box (6-ounce portions of salmon), Wild White Fish Box (6-ounce portions of white fish), and Wild Combo Box (6-ounce portions of both types). 

You have the choice between 12 single portions ($10.99 each) or 24 single portions ($9.99 each), to be delivered every month or two months. The 12-portion plan has an additional $9.95 shipping charge, while shipping is free for the 24-portion plan. 

wild alaskan company 2

The fish arrives frozen in a dry ice-packed, insulated cooler, ready to be stashed in your freezer or cooked immediately. 

Review of Wild Alaskan Company

I love eating fish but don't buy it often when I go grocery shopping due to either lack of availability at my local market or confusion about the fish's background and sourcing.

While I think Wild Alaskan Company could be even more transparent about its suppliers and processors, I liked at least knowing that the service sources from sustainably managed fisheries and was created by people who care about the wellbeing of natural food systems. Senior reporter and resident fisherman Owen Burke also advises using Monterey Bay Aquarium's Seafood Watch consumer guide and complete recommendation list to look up the safety and sustainability of the specific fish you receive. 

All in all, I felt like I could spend more time and energy simply enjoying the fish. 

Wild Alaskan Company sent me its Wild Combo Box to test out. The monthly assortments can vary, but at the time, my box contained sockeye salmon, coho salmon, Pacific cod, halibut, and pollock. 

The fish isn't "fresh" in the traditional sense — it isn't sent to you shortly after being caught. Rather, it's "fresh-frozen," (otherwise known as flash-freezing), which means it's frozen shortly after it's caught and handled. 

This method, used by indigenous Inuit communities, actually helps retain the taste and texture of your fish, plus it lets you enjoy all types of seasonal fish year-round. 

By comparison, some of the seafood you see at grocery store counters may be older than you think, and it's not unlikely that it was previously frozen. Some seafood departments, such as the one at Wegman's, even throw out their fresh fish after two days.

In the end, eating fish that's frozen properly is less wasteful, and you don't have to sacrifice taste and texture. My box of fish tasted great: flavorful, tender, and flaky.

wild alaskan company 4

The monthly membership design is meant to ensure you'll always have a flaky piece of salmon or halibut ready to cook for dinner. However, if at any point you want to pause, skip, or cancel your membership, you can do so in your account settings. 

The bottom line

As we've already seen with the online meat boom, there's a greater urgency to think more consciously and carefully about where your food comes from and its effects on the planet.

Wild Alaskan Company is the direct-to-consumer equivalent in the fish and seafood industry, so whether you already love eating seafood or wish you had more guidance picking out the right types, it's a service you should consider trying. 

Read the original article on Business Insider

20 places we shop for women's workwear — and the best styles to buy


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Where to Shop for Women's Workwear 4x3
  • At Insider Reviews, we test out hundreds of products each year. That volume makes us particularly discerning shoppers in our own lives, especially when it comes to what goes in our closets.
  • I asked seven women on the Insider Reviews team to share where they personally shop for workwear, and what they recommend buying from each store. 
  • Below, you'll find our 20 go-to brands, like M.M.LaFleur, Everlane, and Dagne Dover, plus our favorite styles to buy.

The day that I realized I would spend most of my adult life in workwear is the same day I found myself sweating, rolling bags of ill-fitting blouses, scratchy wool skirts, and too-tight blazers into a donation bin. If you aren't strategic in picking out workwear you actually like, then an alarming percentage of your closet will one day be drab, unflattering, and uncomfortable. 

Thankfully, there is no shortage of great places to find the kind of workwear that you'll actually want to wear — the kind that feels and looks good, but also makes you more comfortable at your desk and more confident in your day-to-day life. 

I asked the women on the Insider Reviews team to divulge the stores they personally shop at, and what they buy. We see and test hundreds of products every year, which makes us extremely critical shoppers — especially where our own small closets are concerned. Below, we share some of our favorite places to buy women's workwear and a few tips and tricks about what to buy from each brand.

Read on for 20 places we go-to for women's workwear, and what we buy from each:

Womens Workwear clothes Everlane

Shop Everlane

Everlane is an internet darling, partly thanks to transparent pricing in an industry that has traditionally relied upon markups. We shop here primarily for basics that are above-average in quality and below-average in price. We like Everlane's shoes, leather bags, cotton shirts, and $50 work pants.

1. The Work Pant, $50:

Insider Reviews senior reporter Connie Chen calls the $50 work pant the one thing you can't pass up at Everlane, adding, "Fifty dollar work pants is all I need to say. They're comfortable, flattering, and go for double the price elsewhere. You might even want to buy more than one pair since they come in versatile neutrals and cute greens and blues."

2. The Day Shoe Collection, from $68:

In terms of footwear, we typically recommend the Day shoe family, though you'll want to size up a half size for your order. We're unanimously fans of the company's $118 Day Glove (I wear it at least three times per week in the summer) and we also love the Day Heel ($145), Day Loafer ($94), and Day Boot ($236). And, if you're open to knits, the comfort of the Day Glove ReKnit flats ($68) is hard to beat. You can find a review of the flats here.

3. Authentic Stretch Denim, $68:

If it's a business casual office, Everlane's $68 Authentic Stretch Denim is one of our all-time favorite pairs of jeans because they are comfortable and liberating like stretch denim, but feel slightly rough to the touch like true denim. We've happily worn them both to the office and on plane rides. 

4. The Day Market Tote, $180:

We also ranked the Everlane Day Market Tote the best tote bag you can buy, as well as the best work bag you can get for under $200.  

5. The Pima Micro Rib Crew Tee, $30

Everlane's basics rarely disappoint. This extra-fine ribbed pima cotton crew has the perfect thickness and stretch to make it look a little extra flattering and feel nicer than average. I have it in almost every color. 

Read more:

Dagne Dover
Womens Workwear clothes Dagne Dover

Shop Dagne Dover

Dagne Dover makes stylish bags with the best internal design hacks for an organized professional life.

1. The Classic Signature Tote, $245

The Classic Signature Tote ($245) is our top pick for the best work bag you can buy — and it has earned its spot. Insider Reviews freelancer Erin Mayer compared its specialized pockets to the clown car effect. Inside, there's a neoprene water bottle sleeve, phone pocket, pen holder, padded laptop sleeve, notebook or tablet sleeve, and an interior side pocket — as well as a detachable key holder.

2. Allyn Tote, from $305

Insider Reviews' own executive editor Ellen Hoffman also loves the brand's leather Allyn Tote ($305-$345) for a work bag, though it costs more.

3. Ryan Laptop Bag and Weston Laptop Bag, from $135

Insider Reviews reporters Connie Chen, Remi Rosmarin, and I all rely upon the brand's Ryan Laptop Bag or Weston Laptop Bag. As Remi put it, "this bag feels like it was designed with every one of my commuter frustrations in mind." They're stylish, hyper-organized, and sleek enough to stay out of the way in a crowded subway car. Both run for $135-$155 depending on the size you select. 

Read more:

Womens Workwear clothes M.M.LaFleur

Shop M.M. LaFleur

M.M.LaFleur is the name to know for high-end, stylish, 6 a.m. to 9 p.m. workwear. Most clothes are machine-washable and wrinkle-resistant, and the brand's design hacks are helpful rather than gimmicky — like internal clips to keep bra straps in place and adjustable pant hems for different shoes. Miyako Nakamura, former head designer for Zac Posen, is a master at flattering, easy silhouettes.

Thre are also plenty of options for business travelers that feature machine-washable, wrinkle-resistant, packable suiting staples like the Yan Jacket ($325) and the Doris Dress ($125), the latter which has been treated with an anti-odor finish so you can wear it multiple times before needing to throw it in the wash. 

1. Morandi Sweater, $265

Both Ellen Hoffman and I use the brand's cozy, flattering Morandi Sweater ($265) as our go-to "desk sweater" — even though the price is much more than either of us would typically spend on a sweater. It's flattering, versatile, and goes with everything. According to Ellen who did the math, "If I wear the sweater three times a week for 49 weeks out of the year, it comes out to $1.80 per wear after one year. After two years, its cost per wear drops to $0.90." In the end, it's worth it.


2. The Foster Pant, $195

M.M.LaFleur also makes ingenious pants that adjust for different shoe heights: The Foster Pant ($195).

Read more:

Womens Workwear clothes Nordstrom

Shop Nordstrom

Nordstrom is, unsurprisingly, always a solid one-stop-shop, and it's one we use frequently. It carries a large variety of top brands, including some of our favorite startups, and has a few major sales events, a good rewards program, and a great customer service department. The site will also put together styling suggestions which is helpful for figuring out what goes with what.

1. Cool, online-only startups

Popular online startups like Summersalt, Universal Standard, Dagne Dover (picture 1) and Lively (picture 2) have been available to shop on Nordstrom, with Nordstrom's considerable perks — like free shipping and easy returns. 

2. Trunk Club, $25 styling fee

Nordstrom also technically owns Trunk Club, a personal styling service that can update your wardrobe with the help of a stylist and the wide offerings available on Nordstrom, with little effort on your part. There's a $25 styling fee, but it's waived if you choose to buy anything they send you.

Read more:

Tommy John
Womens Workwear clothes Tommy John

Shop Tommy John

Tommy John has made best-in-category men's underwear for over a decade. Unsurprisingly, it's been fielding requests for women's underwear since its launch. But, it wasn't until a Facebook post of a woman wearing Tommy John boxer briefs caught co-founder Erin Fujimoto's attention that the company issued its own women's line — and we're extremely glad they did

1. Air Thong, $26

There are plenty of good underwear options for women these days that are pretty and extremely comfortable (Everlane and MeUndies come to mind). But, Tommy John makes the best. Its Air styles are the best I own (feather-light, never roll, bunch, or pill), and if they didn't cost $26 each, they're the only ones I'd buy.

2. Air "Stay Tucked" Camisole, $24

The Air "Stay Tucked" Camisole ($24) is another of its best offerings.

Read more

Womens Workwear clothes Spanx

Shop Spanx Tights

Spanx is best-known for their shapewear, and — to nobody's surprise — the same things that make their shapewear great (intuitive design, savvy understanding of women's bodies, and high-end materials) also make the best tights we've tested. 

1. Luxe Leg Mid-Thigh Shaping Tights, $28

Ellen Hoffman, director of content strategy, calls Spanx her all-time favorite tights: "The Luxe Leg Mid-Thigh Shaping Tights ($28) are a true workhorse in my fall and winter wardrobe since that never rip, never pill, and hold me in in all the right places, without suffocating me in the process. I wear and wash them many, many times throughout the season and am consistently impressed by how well they hold up compared to tights from other brands." You can also find them at Nordstrom.

We also ranked the Luxe Leg Mid-Thigh Shaping Tights ($28) the best tights you can buy overall. 

2. The Perfect Black Pant, Ankle Backseam Skinny, $128

We tested Spanx's collection of "The Perfect Black Pant" which includes four style iterations of the workwear staple — from flare to skinny. We were most impressed with the machine-washable, smoothing fabric that's flattering but not restrictive and their versatility. Sizing options also include petite, regular, or tall inseams. 

Read more

Womens Workwear clothes J crew

Shop J.Crew

J. Crew seems to be hosting a sale every other day — and that's great news for anyone looking to pick up good-quality office basics at a discount. If you're looking for a fresh, leopard pencil skirt or a fitted blazer in Italian wool, you may want to check here first. 

1. Classic-Fit Boy Shirt, $69.50

We love the brand's preppy-retro blazers, classic-fit button-ups, and fun-but-still-professional prints and patterns.

2. Regent Blazer, $155

I'm always surprised by how few people take advantage of J.Crew's uniquely well-made desk-to-drinks basics. They're professional without approaching dowdy. The best example of this is the company's longstanding Regent Blazer ($155) — sleek, stylish, and great dressed down for coffee on a Saturday afternoon or up for a big meeting. Plus, the store seems to be in an eternal 40%-off sale.


MZ Wallace
Womens Workwear clothes MZ Wallace

Shop MZ Wallace

MZ Wallace was created by two native New Yorkers looking to make stylish, thoughtfully designed essentials for the modern woman. You'll know them by their signature quilted-nylon bags. 

1. Large Sutton bag, $245

Former Insider Reviews reporter Remi Rosmarin swears by MZ Wallace. "My MZ Wallace tote is my favorite weekday bag. It comes with me from work to the gym to dinners and everything in between. The brand really knows what it's doing when it comes to blending fashion with function, making cute pieces with versatile features like organizational pockets, key ring straps, and detachable pouches."

Read more

Club Monaco
Womens Workwear clothes Club Monaco

Shop Club Monaco

Multiple reporters recommended Club Monaco as a reliable spot for chic, on-trend pieces appropriate for work and life in general. Its clothes can be classified as sophisticated — but not dowdy or overly formal. Dress them up for work, or down for the weekend.

1. Trycia Skirt, $83

Club Monaco is especially good for clothes that are cute enough to like wearing every day. This silky '90s-inspired slip skirt is perfect for an easy, flattering staple that can go from desk to drinks.

Pro tip: they have some good ongoing sales, so it's worth checking out the sale section first.

Rent the Runway Unlimited Membership
Womens Workwear clothes Rent the runway

Shop Rent the Runway

Rent the Runway lets you rent designer clothes so you can have a more versatile, sustainable, and high-end closet. And although the company has discontinued its much-loved unlimited membership, you can still get plenty of designer pieces delivered straight to your door either once, twice, or three times a month. 

Rent the Runway Unlimited, $199 for 16 items per month

A Rent the Runway (RTR) membership may be the only subscription — aside from mainstays like Hulu or Amazon Prime — that multiple Insider Reviews reporters have. But depending on which membership level you choose, it might also the most expensive by far. You can see the $4,862 of clothes we rented in a week here.

You have three membership options: You can get four items per month for $89/month, eight items for $135/month, or 16 items for $199/month. Each delivery comes with four items, so you will get clothes either once, twice, or four times each month. 

We're willing to pay the high fee because RTR delivers on variety, style, and convenience. They take care of shipping and dry cleaning, and, if you choose the two higher-priced memberships, you get access to a vast selection of high-end clothes you wouldn't be able to afford (or willing to buy) to wear in everyday life. 

That means you won't spend 75% of your clothing budget on professional wear or vice versa, only to stress over outfit repeating. It also means you can try trends you wouldn't otherwise be willing to drop cash on. And, as executive editor Ellen Hoffman put it, "I'm actually spending far less on clothes these days" even with the monthly fee. 

It's one of the many things we've bought based on a colleague's glowing review

1. AllSaints Taupe Grey Kita Backpack, originally $398

2. Polo Ralph Lauren Grey Work Blazer, originally $348

3. Slate & Willow Ann Tweed Skirt, originally $169

4.Diane von Furstenberg New Jeanne Two Silk Wrap Dress, originally $498

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Womens Workwear clothes ThirdLove

Shop ThirdLove Bras

Point blank, Thirdlove makes the most comfortable everyday bras you can buy. The women-led company offers half-cup sizes, has a great return policy, and recently extended its offerings to 70 sizes. We ranked them the best bra you can buy in the Insider Reviews Buying Guide. 

1. 24/7 Classic T-Shirt Bra, $55

Personally, the super-soft 24/7 Classic T-Shirt Bra ($55) is the first time (other than my experience with the more casual True & Co Racerback ($58) that I've felt excited to put on a bra. It's smooth under T-shirts, comes in six skin-tone adjacent colors, and is so comfortable I feel real gratitude for it during transatlantic airplane rides.

Read more

Womens Workwear clothes DSTLD


LA startup DSTLD started by making premium denim under $100. It has since expanded to a huge variety of sleek basics — including leather jackets. 

1. High Rise Skinny Jeans, $85

Insider Reviews senior editor Jada Wong recommends DSTLD for high-quality jeans that won't cost you $200 per pair: "DSTLD has really nice classic styles that can pass for work pants, and don't let the low price point fool you in thinking that it's not high-quality. They're just as good, if not better, than ones that have cost me $200." A pair of high-waisted skinny jeans will probably cost you $85-$95 instead.

2. Wool Blanket Maxi Coat, $180

I also rely on the brand's $180 Wool Blanket Maxi Coat as a budget-friendly on-trend coat in the colder months.

3. Leather Moto Jacket, $350

If your office dress code allows for leather jackets, this is the best affordable, high-end option I've found.

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Modern Citizen
Womens Workwear clothes Modern Citizen

Shop Modern Citizen

Modern Citizen's neutral pieces make it easy to build a chic, minimalist wardrobe without spending a fortune. The site also lets you search by occasion to quickly find what you're looking for. Go to the "Work" tab to find a curated selection of pieces that'll look great in or out of the office.

1. Selma Tapered-Leg Trousers, $100

A high-rise waist and straight, tapered leg make for a flattering fit that looks great with literally any top.

2. Sterling Short Sleeve Blouse, $84

This airy blouse with pleated detailing and a V-neck is a great basic you'll wear all the time. Tuck into trousers for a more formal look or wear over jeans for a simple, romantic style.

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Womens Workwear clothes Cuyana

Shop Cuyana

Cuyana makes stylish, high-end leather bags and basics for reasonable prices. 

1. Classic Leather Tote, $175 

Insider Reviews senior editor Jada Wong prefers Cuyana or Madewell for leather work bags since they can take the daily beatings of your life while lugging around a laptop, book, makeup bag, and workout clothes.

2. Work Satchel, $398

The Work Satchel ($398) has a laptop sleeve to fit both a 13-inch and 15-inch computer, a zipper pocket, and an adjustable crossbody strap. It'll also age well, making a $400+ price tag a little easier to justify.

3. Tote Organization Insert, $95

You can also buy the portable Tote Organization Insert ($95) that has the organizational pockets that cavernous, minimalist totes do not.

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Eileen Fisher
Womens Workwear clothes Eileen Fisher

Shop Eileen Fisher

Eileen Fisher is all about easy dressing. Simple, clean shapes and great fabrics are the ethos of the brand. The clothes are a bit pricy, but thanks to the timeless styles and truly top-notch materials, you can expect them for decades. 

1. Tencel Jersey Mandarin Collar Dress, $119

A simple collared dress that can be worn on its own in the summer or layered over pants as a tunic for cooler months.

2. System Washable Stretch Crepe Slim Ankle Pant, $168

A great pair of pants that fit like a glove and can be thrown in the wash for easy cleaning. Pair these with any item from The System collection for an effortlessly chic, office-appropriate look.

3. System Lightweight Viscose Jersey Crew Neck Shell, $68

An upgrade from your everyday t-shirt, this simple shell is a great basic for your work wardrobe. The jersey is comfortable and substantial making it a great piece for layering or wearing on its own.


Banana Republic
Womens Workwear clothes banana republic

Shop Banana Republic

Insider Reviews senior editor Jada Wong says that Banana Republic is one of the best foolproof workwear stores. 

1. Sloan Skinny Fit Pant, $33-$99

Jada swears by the brand's basic black pants: "I stock up on basic black pants at LOFT or Banana Republic whenever I can. They're just so versatile and chic! They're also a no-brainer on dreary-eyed mornings."


Womens Workwear clothes Madewell

Shop Madewell

Madewell is responsible for some of the best jeans on the internet, and the rest of its styles include everything you'd wear with a great pair of jeans — like boots, tees, and keep-forever bags. 

1. High-Rise Skinny Jeans (nine-inch), $59.99

These Madewell jeans are like a slightly thinner and more moldable version of Everlane's Authentic Stretch denim, though no less flattering. They look great on, and they're never uncomfortable to wear. Madewell is also one of few quality denim options that offer a high enough high-rise for tall people (nine-inch or 10-inch).

2. Regan Boot, $178

Insider Reviews senior editor Jada Wong says she's bought a pair of Madewell booties every fall for the past five years, "not because I needed to, but because I want to."

The classics are about $178-$298 and season-less. Plus most feature chunky two-inch heels, so they're walkable enough that you don't need to bring in a separate pair of shoes to commute to work in.


Womens Workwear clothes Commando

Shop Commando Tights

Commando's main selling point is that its line of tights has a patented, raw-cut waistband that won't dig into your skin.

1. Ultimate Opaque Control Top Tights ($38)

Commando's raw-cut waistbands mean the Ultimate Opaque Control Top Tights ($38) are one of very few that don't give me a bizarre stomach ache while wearing. They're more expensive than a $10 pair from Uniqlo (which freelance editor Jada Wong recommends) but they're worth the extra cost to me. I can wear them comfortably all day, and they've far outlived cheaper pairs I own.

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Old Navy
Womens Workwear clothes old Navy

Shop Old Navy

Old Navy is the go-to for cheap basics that don't require a heavy compromise on material or style. In fact, content producer Francesca Rea says about 90% of her closet come from Old Navy.

1. High-Rise Rockstar Skinny Jeans, $30

Francesca says the Old Navy gateway product was the hidden gem $15-$30 jeans which come in virtually every style and cut. She also recommends the brand's affordable sweaters, basic tees, and blouses.


Womens Workwear clothes Uniqlo

Shop Uniqlo

Uniqlo has a few solid collections to shop — including its Wear to Work collection and its collaborations. Multiple Insider Reviews reporters placed Uniqlo as one of their first stops for restocking basics like tights and tops, as well as stocking up on its effective HeatTech for winter.

The HeatTech Collection

In the winter, you'd be hard-pressed to find better innerwear than the HeatTech collection — clothes that generate heat from your body.  As Insider Reviews senior editor Jada Wong says, "In the winter, I have a foundation layer of all-Uniqlo-everything underneath my outfit. Can they make a HeatTech onesie already?"

1. HeatTech Ultra Warm High-Neck T-Shirt, $14.90

2. HeatTech Ultra Warm Legging, $19.90

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If you voted early and changed your mind, you can switch your choice in several states — here's how

Maryland voting .JPG
Maryland election judge Cassandra Campbell helps a voter wearing a face mask to prevent the spread of coronavirus disease (COVID-19) cast his ballot in the Maryland U.S. presidential primary election as other voters stand in a long line waiting to cast their votes in College Park, Maryland, U.S., June 2, 2020
  • More than 66.4 million Americans have already voted in person or by mail as of Tuesday -- hitting 50% of total turnout in 2016. 
  • But some voters who have a change of heart can alter their early vote after casting it. 
  • A handful of states allow voters to switch their votes before Election Day, but they have different restrictions and deadlines.
  • Visit Business Insider's homepage for more stories.

This year's contentious presidential election has drawn early voters out in record numbers.

More than 66.4 million Americans have already voted in person or by mail as of Tuesday — hitting 50% of total turnout in 2016, according to the US Elections Project. Ballots cast early this year surpassed total early votes in 2016 a full eight days before Election Day. 

But some voters who have a change of heart can alter their early vote after casting it. 

Google searches for "can I change my vote" jumped on Tuesday. President Donald Trump falsely claimed that the trend "refers changing it to me" and spiked "immediately" after the second presidential debate last Thursday. Google has not said whether the searches referred to a specific candidate. 

A handful of states allow voters to switch their votes before Election Day, but they have different restrictions and deadlines.

Changing your vote

Changing your vote can be quite the headache for election officials, since they have to track down your ballot and re-file the paperwork.

In Michigan, absentee voters can request that local election officials invalidate or "spoil" their first ballot and submit a new one until 5 pm on the Friday before Election Day or in-person until Monday at 10 am the day before Election Day. 

Wisconsin absentee voters can "spoil" their ballot and request a new one or vote in-person before certain deadlines, according to a 2020 memo memo put out by the Wisconsin Elections Commission. 

In New York, voters can cast a new ballot in-person either early or on Election Day and ask that their initial ballot be invalidated. 

Casting new ballots in permitted in some Connecticut towns, but it varies across the state. 

In New Hampshire, voters can request a new ballot if election officials determine there's enough time to do so, and they can vote in-person on Election Day if the initial ballot was not yet counted. 

In several other states, including Pennsylvania, Illinois, Delaware, New Mexico, Idaho, Indiana, Arkansas, and Mississippi, voters are allowed to "spoil" a ballot and request another, but only if the initial ballot hasn't yet been returned or, in some cases, processed. 

The deadline to invalidate a ballot and request another has already passed in Minnesota.

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Trump's biggest accomplishments and failures as president as he fights for reelection

FILE - In this Dec. 24, 2019 photo, President Donald Trump speaks to members of the media following a Christmas Eve video teleconference with members of the military at his Mar-a-Lago estate in Palm Beach, Fla. As a candidate for the White House, Donald Trump repeatedly promised that he would “immediately” replace President Barack Obama’s health care law with a plan of his own that would provide “insurance for everybody.” Back then, Trump made it sound that his plan — “much less expensive and much better” than the Affordable Care Act — was imminent. And he put drug companies on notice that their pricing power no longer would be “politically protected.” Nearly three years after taking office, Americans still are waiting for Trump’s big reveal. (AP Photo/Andrew Harnik)
President Donald Trump speaks to members of the media following a Christmas Eve video teleconference with members of the military at his Mar-a-Lago estate in Palm Beach, Fla.
  • President Donald Trump has been among the most controversial presidents in US history, and just the third commander-in-chief to be impeached. 
  • Trump's disastrous handling of the COVID-19 pandemic hangs heavily over the upcoming presidential election.
  • Though his accomplishments are not popular with his critics, Trump for better or worse has been a consequential president.
  • His handling of COVID-19 will go down as one of the worst disasters in US history, with nearly 200,000 already dead and millions unemployed.
  • Trump repeatedly flouting public health guidance and his own CDC, holding packed events during the pandemic and mocking those who wear masks. Trump announced he had contracted the virus in early October.
  • Visit BusinessInsider.com for more stories.

President Donald Trump entered an election year as just the third commander-in-chief in US history to be impeached.

Trump was ultimately acquitted in an impeachment trial that would soon become a distant memory amid a pandemic that's killed over 220,000 Americans and left millions unemployed. 

Though he's been perhaps the most controversial and divisive president in modern US history, Trump has had a remarkably steady approval rating due to his staunchly loyal supporters. 

Even as polling has repeatedly shown that most Americans disapprove of Trump's handling of the COVID-19 pandemic, his overall approval rating has barely fluctuated.

With that said, Trump is trailing former Vice President Joe Biden in the polls, and must defend Republican strongholds like Arizona and Texas that are increasingly toss-up states. 

Here are Trump's biggest accomplishments and failures as president, measured by their overall impact and taking into account the general response from Congress, the public, and wider world.

Accomplishment: Reshaping the federal judiciary
supreme court
Police officers stand in front of the U.S. Supreme Court in Washington, DC, U.S., January 19, 2018.

Trump's most lasting impact on the country will be the reshaping of the federal judiciary.

Thus far, Trump has installed three Supreme Court justices and 220 judges overall to the federal bench — all for lifetime appointments. Amy Coney Barrett became Trump's third Supreme Court justice on October 26, 2020, barely a week before Election Day.

By December, Trump nominees made up roughly 25% of all US circuit court judges, according to an analysis by The Washington Post.

He's appointed 53 judges on the 13 US circuit courts. To put this into perspective, former President Barack Obama appointed 55 circuit judges in his two terms in the White House.

The courts get the final say in US politics, setting precedents that can shape the country for years to come. 

Even if Trump is not reelected in 2020, his presidency will continue to have an impact on the direction of the US due to the sheer number of conservative federal judges he's installed. 

Accomplishment: Space Force
Trump signing NDAA Space force
President Donald Trump signs the National Defense Authorization Act for Fiscal Year 2020 at Andrews Air Force Base, Md., Friday, Dec. 20, 2019.

In signing a $738 billion defense spending bill just a few days before Christmas, Trump officially established the sixth branch of the US Armed Forces — the Space Force

The Space Force is the first new military service since the US Air Force was created in 1947.

Despite its name, the new branch has not been established to protect the planet from potential extraterrestrial threats, but is tasked with protecting the US military's assets in space. 

"This is not a farce. This is nationally critical," Gen. John Raymond, who Trump tapped to lead the Space Force, told reporters earlier this month. "We are elevating space commensurate with its importance to our national security and the security of our allies and partners."

Many of the details surrounding the Space Force must still be ironed out. In many ways, the new branch is simply a more centralized version of military missions in space that already existed from the Air Force, Army and Navy.

Todd Harrison, who directs the Aerospace Security Project at the Center for Strategic & International Studies, recently told NPR: "It will create a centralized, unified chain of command that is responsible for space, because ultimately when responsibility is fragmented, no one's responsible."

Accomplishment: Tax reform
Trump Tax Cuts
U.S. President Donald Trump celebrates with Congressional Republicans after the U.S. Congress passed sweeping tax overhaul legislation, on the South Lawn of the White House in Washington.

Three years into his presidency, Trump's signature legislative achievement remains a Republican tax bill that made sweeping changes to the tax code — the Tax Cuts and Jobs Act.

As Business Insider's Joseph Zeballos-Roig recently reported:

  • The law was the biggest overhaul to the nation's tax code in three decades, and the president pitched it as "rocket fuel" for the American economy.
  • It permanently slashed the corporate tax rate to 21% from 35% while also providing temporary benefits for individuals and their families.
  • Critics argued it was a windfall for massive corporations at the expense of the middle class. Meanwhile, supporters of the tax cuts contended it would unleash an economic bonanza. Businesses would invest in their operations, they said, resulting in improved worker productivity and higher wages.
  • Treasury Secretary Steve Mnuchin, among others, said the law would juice the nation's gross domestic product to 3% (or more, as Trump said 6%) and soon pay for itself and spread prosperity.
  • But the law has achieved none of the ambitious goals that Republicans put forward — and there are scant signs they ever will.


Accomplishment: First Step Act
Trump First Step Act
President Donald Trump speaks about H. R. 5682, the "First Step Act" in the Roosevelt Room of the White House in Washington, Wednesday, Nov. 14, 2018, which would reform America's prison system.

Trump signed the First Step Act into law in December 2018, marking the first legislative victory in years for advocates seeking to reform the criminal justice system.

The bill passed with overwhelming bipartisan support in Congress. It offers relatively modest changes to the federal prison system, but was praised as an important step forward by groups and activists seeking to end mass incarceration. 

Business Insider's Michelle Mark summarized the key aspects of the legislation after it passed in the Senate last year:

  • The passage of the bill...marked the first major legislative win in decades to address mass incarceration at the federal level.
  • The bill overhauls certain federal sentencing laws, reducing mandatory minimum sentences for drug felonies and expanding early-release programs.
  • The bill also makes retroactive a 2010 federal sentencing law reducing the sentencing disparity between crack and powder cocaine offenses.
  • The bill also aims to lower recidivism by offering more rehabilitation and job-training opportunities, and it includes provisions intended to treat prisoners humanely — banning the shackling of pregnant inmates, halting the use of solitary confinement for most juvenile inmates, and mandating that prisoners be placed in facilities within 500 miles from their families.
Accomplishment: Defeating ISIS's caliphate and killing Abu Bakr al-Baghdadi
FILE - This file image made from video posted on a militant website April 29, 2019, purports to show the leader of the Islamic State group, Abu Bakr al-Baghdadi being interviewed by his group's Al-Furqan media outlet. In his last months on the run, al-Baghdadi was agitated, fearful of traitors, sometimes disguised as a shepherd, sometimes hiding underground, always dependent on a shrinking circle of confidants. (Al-Furqan media via AP, File)
FILE - This file image made from video posted on a militant website April 29, 2019, purports to show the leader of the Islamic State group, Abu Bakr al-Baghdadi being interviewed by his group's Al-Furqan media outlet. In his last months on the run, al-Baghdadi was agitated, fearful of traitors, sometimes disguised as a shepherd, sometimes hiding underground, always dependent on a shrinking circle of confidants. (Al-Furqan media via AP, File)

ISIS shocked the world in 2014 when it took over a large swath of territory across Iraq and Syria and declared a caliphate.

The terrorist group's territorial holdings were the basis for its so-called caliphate, and provided it will a major base of operations to conduct attacks across the world. 

After a five-year effort led by the US, ISIS's caliphate was finally defeated in March 2019.

Trump has at times falsely claimed that ISIS is totally defeated, embellishing the extent of the US military's success against the terrorist organization during his presidency. Though the terrorist group has lost its territory — its so-called caliphate — it's still estimated to have up to 18,000 fighters in Iraq and Syria.

In late October, a US raid led to the death of ISIS leader Abu Bakr al-Baghdadi. 

Baghdadi was the world's most wanted terrorist up to that point and his death represented a major blow to the terrorist group. 

"Last night, the United States brought the world's No. 1 terrorist leader to justice," Trump said at the time. "Abu Bakr al-Baghdadi is dead."

"Capturing or killing him has been the top national security priority of my administration," he added.

Failure: Charlottesville and George Floyd
Charlottesville Unite the Right Rally neo Nazi
Alt-right members preparing to enter Emancipation Park holding Nazi, Confederate, and Gadsden "Don't Tread on Me" flags.

Trump's response to a deadly neo-Nazi rally in Charlottesville, Virginia, remains one of the most controversial moments in his presidency. 

It was emblematic of Trump's struggle to bring the country together after tragedies, and more generally. His response also typified his controversial record on race relations and white supremacy. 

Trump blamed "many sides" for the violence at the rally, which resulted in the death of a counterprotester, Heather Heyer. He later said there were "very fine people on both sides."

The president was excoriated by Republicans and Democrats alike over his response and his failure to offer a swift and forceful condemnation of white supremacist violence. 

GOP Sen. Lindsey Graham of South Carolina, often one of Trump's fiercest defenders in Congress, at the time said the president's words were "dividing Americans, not healing them."

"President Trump took a step backward by again suggesting there is moral equivalency between the white supremacist, neo-Nazis and KKK members," Graham added. 

In the wake of the brutal death of George Floyd at the hands of Minneapolis police and the nationwide protests that followed, Trump also failed to rise to the occasion. He's done far more to divide the country than bring it together. 

The president had peaceful protesters tear-gassed near the White House so he could pose for a photo with a Bible at a nearby church. He's consistently demonized anti-racism demonstrators, and controversially sent federal agents into US cities to squash unrest and intimidate the local population. Trump has elevated conspiracy theorists and people who've threatened protesters with guns

Historians have warned that Trump's tactics mirror those of authoritarian regimes

Trump has frequently employed racist rhetoric during his presidency, but especially during times of heightened racial tensions. 

Polling shows that the vast majority of Black Americans believe Trump is a racist, and his approval rating with this demographic stands at 8%, according to Gallup.

Failure: America's global image is in shambles
France's President Emmanuel Macron and Germany's Chancellor Angela Merkel look at U.S. President Donald Trump during a family photo opportunity at the NATO leaders summit in Watford, Britain December 4, 2019..JPG

America's global image has declined significantly under Trump, who has repeatedly insulted key US allies while cozying up to dictators. 

The president's tendency to push important allies away and isolate the US, including by pulling out of landmark international agreements like the Paris climate accord, has had a palpable impact

People across the world have expressed negative views on Trump. Pew Research Center in January 2020 released a survey of 32 countries that showed a median of 64% said they do not have confidence in Trump to do the right thing in world affairs, and just 29% expressed confidence in the president.

Trump's handling of the coronavirus pandemic has also left the US embarrassed on the world stage, and created a void in global leadership that China has rushed to fill. 

Failure: Family separations and the deaths of migrant children
Homestead Florida
An activist holds up a sign that says "families belong together" outside of the Homestead migrant child detention facility in Homestead, Florida.

Trump in 2016 campaigned on reducing undocumented immigration, pledging to take a hardline approach.

He made good on that promise when coming into office, but has been accused of human rights abuses and violating international law by the UN.

The Trump administration's "zero tolerance" policy on illegal border crossings led to the separations of at least 5,500 families and saw children placed in cages.

The president of the American Academy of Pediatrics at the time described the practice as "nothing less than government-sanctioned child abuse."

After widespread backlash, Trump issued an executive order in June 2018 to halt the family separations, and a federal judge ordered the Trump administration to reunite all those it had separated. But the fallout from the separations is ongoing. 

Trump has falsely blamed his predecessor, former President Barack Obama, for the policy that saw thousands of children separated from their parents. 

Meanwhile, at least six migrant children have died in US custody since September 2018, leading to widespread condemnation of conditions in detention facilities.

The UN human rights chief, Michelle Bachelet, in July said she was "shocked" by the US government's treatment of migrant children and the conditions they faced in detention facilities after crossing the border from Mexico. 

"As a pediatrician, but also as a mother and a former head of state, I am deeply shocked that children are forced to sleep on the floor in overcrowded facilities, without access to adequate health care or food, and with poor sanitation conditions," Bachelet, the former president of Chile, stated.

Failure: Iran, Syria, and Afghanistan
trump rouhani iran 4x3 trump

Trump's decision to unilaterally withdraw the US from the 2015 nuclear deal in May 2018 has induced chaos throughout the Middle East. 

It remains one of Trump's most unpopular decisions in the global arena, and has been condemned by top US allies who were also signatories to the deal. 

The president has failed to thwart Iran's aggressive behavior in the region via a maximum pressure campaign, which is meant to squeeze Tehran into negotiating a more stringent version of the pact. 

After a series of incidents in the Persian Gulf region in 2019, tensions between Washington and Tehran reached historic heights and sparked fears of war. This fears were exacerbated after Trump ordered a strike that killed Iran's top general, Qassem Soleimani, in early January. The strike led Iran to retaliate and fire on US troops in the region, and dozens were seriously injured. 

Iran has essentially abandoned the 2015 nuclear deal, which was designed to prevent it from obtaining a nuclear weapon. 

Trump's decision to pull US troops out of northern Syria in October is also among his most disastrous foreign policy moves. In doing so, Trump effectively abandoned US-allied Kurdish forces who bore the brunt of the US-led campaign against ISIS to a Turkish military invasion.

The withdrawal induced a humanitarian crisis and created a security vacuum that Russia, Iran, and Syrian President Bashar al-Assad, an accused war criminal, all benefited from.

Trump has repeatedly pledged to end "endless wars," zeroing in on Afghanistan. He wanted to remove all US troops from Afghanistan by the November election, but that hasn't happened with Election Day less than two months away. The US is engaged in ongoing but tenuous peace talks with the Taliban that have occurred in concert with ongoing violence in the country.

Meanwhile, the New York Times in June reported that US intelligence officials determined Russia has paid bounties to Taliban-linked Afghan militants to kill US troops.

The Trump administration has taken no known responses. Though the White House has claimed Trump was not initially briefed on the matter, reporting from multiple outlets suggests otherwise. Trump in a recent interview said he has not confronted Russian President Vladimir Putin on the matter. 

Failure: Replacing the Affordable Care Act (AKA Obamacare)
John McCain
John McCain votes no on the GOP's 'skinny repeal' healthcare bill.

The late Sen. John McCain's iconic "thumbs down" vote denied Trump a full congressional repeal (even a "skinny repeal") of former President Barack Obama's signature health care law.

However, Trump has had success in dismantling parts of the law. His tax bill included a roll back of the tax penalty for those who did not enroll in health care, and the Trump administration has had some success in the courts regarding the individual mandate.

Earlier in December, a federal appeals court struck down a core part of the law — the individual mandate. It did not overturn the entire law, sending it back to a lower court, and leaving the fate of Obamacare uncertain as an election year focused on health care intensifies.

What Trump has not done in his first three years is offer a replacement for the Affordable Care Act. As the Associated Press points out, as a candidate Trump promised "insurance for everybody" and a more immediate replacement to the nearly decade-old ACA.

The president said he would introduce a "phenomenal health care plan," during an interview with ABC News in June.

Failure: Impeachment
In this Dec. 18, 2019, photo, President Donald Trump speaks at a campaign rally in Battle Creek, Mich. Using stark “Us versus Them” language, Trump and his campaign are trying to frame impeachment not as judgment on his conduct but as a culture war referendum on him and his supporters, aiming to motivate his base heading into an election year (AP Photo/Paul Sancya)
In this Dec. 18, 2019, photo, President Donald Trump speaks at a campaign rally in Battle Creek, Mich. Using stark “Us versus Them” language, Trump and his campaign are trying to frame impeachment not as judgment on his conduct but as a culture war referendum on him and his supporters, aiming to motivate his base heading into an election year (AP Photo/Paul Sancya)

Trump was impeached in the House of Representatives on December 18. 

The House approved two articles of impeachment against Trump, one for abuse of power over his dealings with Ukraine and one for obstruction of Congress over his efforts to stonewall the impeachment inquiry.

Trump urged Ukraine to launch investigations into his political rivals as he simultaneously withheld about $400 million in congressionally-approved military aid from the country, which is fighting an ongoing war against pro-Russian separatists. 

The president was acquitted Senate trial, but will still go down as just the third president in US history to be impeached. GOP Sen. Mitt Romney of Utah also made history by voting to convict Trump, marking the first time ever that a senator voted to convict a president from their own party. 

Failure: COVID-19 pandemic
Trump, Dr. Fauci, Birx briefing masks mask
White House coronavirus response coordinator Dr. Deborah Birx, left, and Director of the National Institute of Allergy and Infectious Diseases Dr. Anthony Fauci, both wearing face masks listen as President Donald J. Trump participates in a vaccine development event in the Rose Garden at the White House on Friday, May 15, 2020 in Washington, DC.

Trump's handling of the COVID-19 pandemic will likely go down as one of the biggest disasters in US history. Hundreds of thousands of Americans have died, and millions are unemployed

The US has the worst coronavirus outbreak in the world, with over 6.3 million confirmed cases and nearly 200,000 reported fatalities. The US has had more coronavirus cases than the populations of many countries. And more Americans have died from the virus than the number of US soldiers killed in combat in every war since 1945 combined. 

Trump has repeatedly downplayed the threat of the virus and contradicted top public health experts, flouting recommendations from advisers on his own White House coronavirus task force.

In March, Trump privately admitted to veteran reporter Bob Woodward (on tape) that he was deliberately misleading the public on the dangers of the virus in an effort to avoid inducing panic. 

Public health experts have cited Trump's nonchalant approach to the virus and tendency to reject science as one of the primary factors in why the US emerged as the epicenter. 

Trump has refused to accept responsibility for his failed response to the pandemic, blaming China instead. 


Failure: The US economy
President Donald Trump walks on the tarmac as he arrives on campaign travel at Dobbins Air Force Reserve Base in Marrietta, Georgia, September 25, 2020.

Trump often took credit for the robust US economy prior to the pandemic, ignoring that much of the growth began during the Obama administration. 

The US is now facing one of the worst economic crises in its history under Trump, which is intrinsically linked to his disastrous response to the COVID-19 pandemic.

Coronavirus lockdowns in early 2020 led to tens of millions of job losses as whole segments of the economy sputtered. The economy has since begun adding back jobs, but is far from a full recovery as the US struggles to contain the coronavirus. Roughly 13.6 million people were unemployed as of August, with the unemployment rate at 8.4%. 

The US national debt is at the highest levels since World War II, and US economic growth is set to average just above 0% for Trump's first term due to the pandemic recession, per the Washington Post. 

Failure: Contracting COVID-19
trump walter reed
A car with US President Trump drives past supporters in a motorcade outside of Walter Reed Medical Center in Bethesda, Maryland on October 4, 2020.

Trump is the most heavily protected person on the planet as the president of the US. The fact he contracted COVID-19 stands as a catastrophic failure and a national security crisis for the US

The president routinely flouted public health recommendations prior to getting infected. Less than a week before he was diagnosed, for example, Trump mocked former Vice President Joe Biden for routinely wearing a mask in public.

Top public health experts have repeatedly urged Americans to wear a mask or face-covering, touting the practice as the best tool available in fighting the virus. 

Trump was diagnosed with COVID-19 just days after essentially holding a super-spreader event in the Rose Garden at the White House to announce his Supreme Court nominee. Attendees did not social distance and many were seen without masks.

Over a dozen people in Trump's orbit have tested positive for COVID-19 since the event. 

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Mark Zuckerberg, Bill Gates, Elon Musk, and 6 of the other wealthiest US billionaires reportedly lost a combined $14 billion in a single day

Jeff Bezos Bill Gates Elon Musk
Bill Gates and Mark Zuckerberg saw their net worths take a hit on Monday — but Bezos added to his wealth, with Amazon stock closing up.
  • Mark Zuckerberg, Bill Gates, Alice Walton, and 6 of the other 10-richest in the US lost a combined $14 billion after markets took a hit on Monday, Forbes reports.
  • On Monday, the Dow Jones Industrial Average fell 650 points, the S&P fell 1.9%, and the Nasdaq Composite was down 1.6%.
  • Jeff Bezos was the only one on the list to see his wealth increase on Monday, with Amazon shares ending the day up.
  • Visit Business Insider's homepage for more stories.

As coronavirus cases continue to rise throughout the US and around the world, markets took a hit at the start of the week, resulting in the 10 wealthiest in the US collectively losing $14 billion in a single day, Forbes reports.

On Monday, the Dow Jones Industrial Average fell 650 points, the S&P 500 fell 1.9%, and the Nasdaq Composite was down 1.6%.

The market drop came as the US reported a record spike in COVID-19 cases alongside a lack of a second stimulus plan ahead of upcoming earnings reports from tech companies. Congress adjourned on Tuesday without making a deal, which means stimulus checks may not come until December. 

According to Forbes, the biggest single-day loss was suffered by Mark Zuckerberg, whose net worth stood at roughly $101.8 billion after market close Monday after losing $2.8 billion.

The net worth of Bill Gates also took a $1.7 billion hit, but the tech titan is still worth just over $115 billion, per Forbes.

Other notable billionaires on the list of America's 10 most wealthy include Tesla CEO Elon Musk and Warren Buffett. The Berkshire Hathaway CEO lost $1.5 billion on Monday, and Musk, with his wealth largely tied to his companies, lost around $66 billion, per Forbes.

There is only one woman on the list: Walmart heir Alice Walton, who saw a $635 billion hit to her fortune, according to Forbes.

Amazon CEO Jeff Bezos, on the other hand, actually added to his fortune on Monday, with Amazon stock closing up. He was the only billionaire on the list that saw his wealth increase, Forbes reports.

This isn't the first time billionaires have seen eye-popping overnight losses during the pandemic. 

On September 3, the Dow fell by 740 points, after fears of overextended valuations of tech companies led to the end of an 11-day rally. Musk, Zuckerberg, and Gates the other 10 wealthiest tech billionaires collectively lost $44 billion at the time.

Head over to Forbes for the complete breakdown of how the market dip impacted the wealth of the top 10 richest in the US.

Read the original article on Business Insider

The best rowing machines

  • A rowing machine allows you to reap the benefits of a high-cardio, low-impact, muscle-strengthening, and calorie-burning sport from the comfort of your home.
  • There are typically four variations of rowing machine: Water resistance, air resistance, magnetic resistance, and hydraulic resistance, each of which offers their own benefits and drawbacks. 
  • We've tested a variety of the top rowers available to find the best in each category (along with a budget pick) to help you decide which are suitable for your fitness goals and lifestyle. 
  • Our top pick, the Concept2 Model D Indoor Rowing Machine, features durable construction, comfortable design, and a smooth-running air resistance flywheel. 

Rowing machines offer a full-body workout capable of burning hundreds of calories in the span of just 30 minutes. It's a low-impact, high-cardio exercise that's suitable for everyone from high school and college competitors to retirees in their 60s, 70s, or 80s. As long as you know how to properly row, it can be a highly beneficial workout for almost anyone. 

With more people adjusting to working out at home, row machines are more popular now than ever and have become an incredibly vital addition to a home gym. The versatile workout it delivers not only serves as a quality complement to someone's pre-existing workout routine but it can also stand on its own as a prime source of weekly exercise. If you don't like running on a treadmill, a rower is the next best thing — and to some, it's even better.

But not all rowers are created equal. Not only are there a variety of resistance types and rower sizes but there are others designed to be easily stowed as well as a newer crop of smart rowers outfit with their own touchscreen and selection of on-demand classes.

To find the best of what's around, we tested a number of machines that span the growing lot of what's available. Our goal was to find those that delivered a serious cardio workout while proving to be a valuable addition to any home gym setup — and we came away with a strong list of favorites. At the end of this guide, we also included input on how to shop for a rower, as well as a rundown of our testing methodology

Here are the best rowing machines:


Updated on 10/27/2020 by Rick Stella: Updated the sections on how to shop for a rower and how we tested each machine, checked the availability of each recommended product, and updated the prices and links where necessary. 

The best rowing machine overall
Concept2 Model Indoor Rowing Machine

The Concept2 Model D Indoor Rowing Machine brings the gym to your home with its sturdy build, smooth gliding action, comfortable design, and superb quality.

The Concept2 Model D Indoor Rowing Machine features solid aluminum front legs, steel rear legs, a flywheel with air resistance, and a maximum user weight capacity of 500 pounds, making it our top pick. 

Essential for executing powerful and uninterrupted strokes, the Model D 's flywheel has a damper for adjusting its air resistance, granting you complete control of the resistance yourself. The harder and faster you row, the more wind the flywheel generates and the more drag you'll feel.

With an air resistance rowing machine, you'd expect a bit of noise, however, the Model D runs fairly quiet. Although not completely silent, it's quiet enough for rowers to listen to music or watch television at a normal volume during workouts.

The easy-to-read performance monitor (PM5) tracks stroke rate, calories expended, distance, pace, and watts. It has several built-in programmable workouts and games to motivate you during a workout. The rower' also quick and easy to assemble and disassemble, and can be taken apart and rolled for storage.

Although the Model D isn't inexpensive, it's a worthwhile investment in your health and comes with limited five- and two-year warranties.

Pros: Smooth gliding operation, ease of assembly, large size to accommodate tall people

Cons: Pricey and requires a bit of space (9 feet by 4 feet) but worth it

The best budget rowing machine
Stamina BodyTrac Glider 1050 Rowing Machine

At a very reasonable price, the Stamina BodyTrac Glider 1050 Rowing Machine offers a versatile workout with its independently moving arms and smooth hydraulic resistance for continuous rowing action.  

The Stamina BodyTrac Glider 1050 Rowing Machine is small but mighty — and an excellent value at $120. Although it's compact and quiet, this hydraulic resistance rowing machine provides a big workout with a smooth-gliding padded seat and separate arms for a full-body workout.

What makes the BodyTrac Glider so special is its versatility in arm movements. Unlike many models where you pull a single handle attached to a chain or cord, this erg has two arms that allow for a full range of motion and mimic real boat-rowing movements.

This means you can row forward or backward, move your arms in circular directions, pull the handles close together for a conventional stroke, or hold the grips apart to exercise different arm, shoulder, and upper back muscles. Because the arms operate independently of each other, you're able to focus a workout on each arm individually. 

Sturdy with a steel frame and aluminum center beam, the BodyTrac Glider supports up to 250 pounds. It assembles easily and folds up for storage, as well. The single hydraulic piston/cylinder is located under the unit for convenient adjustment with a manual control dial.

The machine is able to maintain a variety of consistent levels of resistance for roughly 30 minutes of hard rowing. As with most hydraulic rowers, fluid in the hydraulic piston heats up, which decreases resistance. When this happens, you'll need to pause and increase the resistance setting. Always make sure you turn the control dial itself and not the heated piston/cylinder. Another downside to hydraulic resistance models is the chance of the piston leaking oil.

The BodyTrac Glider also has a simple and easy-to-use monitor, which features more functions than you'd expect on a machine this affordable.

Pros: Low price, independent arms for a full range of movement, and ease of assembly and folding

Cons: Resistance declines as piston heats up during long rowing sessions; short warranty (90 days for parts/one year for frame)

The best connected rowing machine

The Hydrow Rowing Machine aims to be the Peloton of at-home rowers with an immersive content experience that delivers a complete, full-body workout.

Connected fitness equipment continues to grow in popularity — and for good reason. Not only does it provide an interactive method for keeping fit but the classes and streamed content itself serve as powerful motivation to push on. In the rowing space, one of the best to deliver the kind of connected content fans of NordicTrack and Peloton have come to love is Hydrow and its aptly named rower, the Hydrow Rowing Machine

Built with an aluminum and steel frame on a flat, anthracite polymer body, the Hydrow is a durable and sturdy rower. Attached to the front of the machine is an HD touchscreen where you're able to access its library of interactive workouts. These workouts include everything from on-demand routines, open swim-style free rows, whole body-specific workouts, and live classes.

The machine also comes with the ability to read your heart rate via an included monitor and features a whisper-quiet electromagnetic resistance. Hydrow does well to not only provide classes that highly motivate you to finish a row but it also creates a competitive environment where you can see how you rank with other global users or anyone else using your machine. 

With a sticker price of $2,245 and a recurring monthly fee of $38 for access to the classes, it's certainly not cheap — but few connected fitness machines of this caliber ever are. It's worth the investment. -- Rick Stella

Pros: Extensive library of motivating classes and rowing events, delivers a full-body workout, features quiet, electromagnetic resistance

Cons: Expensive

Read our full review of the Hydrow Rowing Machine.

The best high-end rowing machine
Ergatta Digital Rower

The Ergatta Connected Rower combines the rush of video game racing with the fitness benefits of a full-body exercise to deliver one of the most interactive rowing machines available. 

Like similar smart fitness equipment from brands such as Peloton or NordicTrack, the Ergatta Connected Rower utilizes a giant on-board screen to display its on-demand workouts and exercises. But unlike its aforementioned peers, the workouts aren't led by an instructor belting out the next movement or exercise but are instead comprised of a series of video game-inspired routines that prove just as motivating as those high-energy classes.

What this means is that the Connected Rower pits you against the machine for its goal-based plans and interval workouts, while also allowing you to compete against other Ergatta users in simulated races. Regardless of the event, the software delivers an addictive experience that drives you to want to continuously do better. Fitness trackers found a way to gamify daily fitness and the Connected Rower follows the same path. 

The physical rower is an aesthetic wonder, too. Made of Cherry wood and featuring a traditional water rowing mechanism, Ergatta clearly intended for the rower to be more than just a means for getting fit — it wanted the rower to also pleasing both in terms of look and feel. The water rowers soothing swoosh of water adds to an already enjoyable experience, as well.

Perhaps its one downside is the fact the rower's not cheap. But since few interactive workout machines like are, this isn't entirely surprising. After an initial $2,199 price tag for the machine (and a $199 shipping cost), there's a recurring $27 fee for access to the library of on-demand classes (which is also par for the smart workout machine course). 

In all, the Ergatta Connected Rower delivers a full-body workout disguised as an interactive gaming experience — and it's one of the most enjoyable we've tested. -- Rick Stella

Pros: Motivating video game-inspired workout platform, beautiful design, features a folding design for easy stowing

Cons: Expensive 

Check out our review of the Ergatta Connected Rower here

The best dual resistance rowing machine
Screen Shot 2020 07 09 at 4.16.00 PM

NordicTrack's RW900 combines the stimulation of instructor-led courses with the versatility of both air and digital resistance to offer one of the best at-home rowing experiences. 

Though NordicTrack may be more well known for its stationary bikes and treadmills, the company's offered high-quality row machines for quite some time — and its RW900 is the brand's crown jewel. Featuring a 22-inch HD touchscreen display, a library of interactive workout classes led by real trainers, and a fold-up design, this rower is worth every bit of its $1,699 price tag.

What makes the rower particularly impressive is its dual resistance. So, while rowing away during a class, an instructor has the ability to digitally adjust the resistance based on how they want you to row. But if it's either too much or you want to kick your workout up a few notches, there's the ability to manually adjust the air resistance. An easy-to-use air control is located on the wheel which allows for quick adjustments, even between strokes. 

Like any workout machine with a massive touchscreen attached to it, the RW900 shines with what it offers in terms of workouts via its iFit interactive platform. Be it in studio routines from its roster of iFit trainers or more calming sessions in real locations around the world, the options are incredibly versatile. There are even yoga and cross-training courses to mix things up a bit.

The rower also offers stat tracking which tells you how long you row each week along with calories burned and row wattage and allows for up to four different users on the same iFit profile. All new purchases also come with a free year of iFit (which is typically $468 per year or $39 per month), so you won't have to worry about a monthly recurring charge for access to the library of content for at least the first year. 

Pros: Interactive workouts, easily folds up, utilizes a dual resistance design

Cons: Expensive, iFit membership costs $39 per month (after the first free year)

The best water resistance rowing machine
Water Rower Natural Rowing Machine

The elegant WaterRower Natural Rowing Machine uses water resistance to make you feel like you're truly sculling on the open water.

For an indoor rowing machine, the WaterRower Natural Rowing Machine comes closest to recreating the sensation of actual outdoor rowing as it features a flywheel that pushes through water in a heavy-duty tank. It even delivers soft and soothing swooshing sounds of water while rowing, too. 

In addition to controlling resistance through your strokes — the harder and faster you row, the greater drag the flywheel encounters — you can increase resistance by adding water to the tank. In essence, the more water there is, the heavier the drag on the flywheel, and the harder your workout.

Maintenance of the machine is easy, too. Just fill the tank using the included siphon pump and drop in a chlorine tablet every six months. There's no need to empty the tank, even before storing it. Although the machine doesn't fold up, it's easy to store upright and the weight of the water stabilizes the erg in an upright position.

You can assemble the frame without any tools, and the instructions come on an included DVD. Because wood expands and contracts due to environmental conditions, you may need to tighten the bolts every once in a while.

With a comfortable, stable seat that rolls smoothly along dual rails, you'll experience an excellent workout where you can keep track of distance, time, and calories burned as displayed on the S4 monitor. The rower comes with a three-year warranty on its parts, as well as a five-year warranty on the frame.

Pros: Gorgeous appearance, meditative whooshing sounds, and simulation of open-water rowing sensations 

Cons: Expensive, included monitor is fine but limited

The best magnetic resistance rowing machine
Sunny Health Fitness SF RW5515

Quiet, smooth, and stable, the Sunny Health & Fitness Magnetic Rowing Machine provides varying magnetic resistance levels for a wide range of workouts. 

The reasonably priced Sunny Health & Fitness Magnetic Rowing Machine offers quite a few convenient features: a comfortable, cushioned seat; anti-grip handles; an LCD monitor that tracks stroke counts, time, and calories burned; and eight levels of knob-adjusted magnetic resistance for various intensities.

Level two is good for warming up before progressing to levels three and four for a more vigorous workout. Levels five and higher are more intense, perfect for long cardio-building rowing sessions. Level seven is for endurance and all-out sprints while level eight offers the greatest resistance (and hardest workout).

Able to support up to 250 pounds, the Sunny's Magnetic Rowing Machine has a 48-inch-long rail in which the padded seat rolls smoothly and quietly. The rower is able to easily fold up for convenient storage and even has built-in wheels. It's easy to assemble and relatively compact, taking up minimal space when folded up and very little square footage when open.

Pros: Economical with eight levels of resistance, easy to fold and store

Cons: Only okay cord quality, rail might be too short for tall people

How to row with good form

To get the most out of your workouts and avoid injury, remember that proper rowing form consists of an initial drive phase followed by a recovery phase. Here's how to execute it: 

  • For the drive, start first with your legs and once those are extended and your back is vertical, use your arms to pull the handle into your body. Your finished position should be your legs fully extended, the rower's handle pulled into your body with your wrists in line with your forearms. From here, you'll move onto recovery.
  • The first step of recovery is to straighten your arms and pivot your body from your hips, making sure to avoid hunching forward or bending backward. This fluid motion will then have your legs flexing in until your shins are completely vertical.

Finally, don't think of this exercise as a race. Focus on perfecting your form, not on how fast you can row.

How to shop for a rowing machine

With many different kinds of rowing machines out there, it's important to examine each model to choose one that best fits your needs and keeps you motivated and injury-free. You'll want to consider features like:

  • Resistance: Different types of resistance include magnetic (electromagnets slow the erg's metal flywheel), air (wind from the spinning flywheel creates drag), hydraulic (resistance is created by hydraulic fluid in a piston or two connected to the erg's handles), and water (the flywheel pushes against water in a tank).
  • Size: The machine should be large enough for you to straighten your legs and maintain proper rowing form, yet small enough to fit into your workout space.
  • Maximum user weight capacity: Models vary in how much they support but many accommodate 220 to 265 pounds or more.
  • Foldability: Some machines (usually magnetic and hydraulic resistance) fold up for easy storage, while others (often air and water resistance) don't. 
  • Monitor: A monitor or computer tracks information like distance, duration, speed, and/or calories burned while rowing.
  • Seat: It should be contoured and large enough to keep your backside comfortable while allowing you to maintain proper form.


How we test row machines

Each rower featured in this guide went through a testing process to gauge how well it performed across these four categories: Ease of use, experience, reliability, and value. Here's how each category specifically factored into which rowers ultimately made this guide.

Ease of use: Row machines have a naturally low learning curve — the general idea is to just sit down and row. But we know there's more to it than that. Ease of use also refers to the process of setting up the machine set up in your home, how easy it is to get started, whether there's a companion app, and if that learning curve (however steep) dramatically impacts the following category: your experience.

Experience: Working out for fun may seem like an oxymoron but it is important to at least somewhat enjoy the sweat your breaking. Since a row machine delivers a full-body workout, you want one that won't feel like some sort of grueling game of tug of war. Ideally, a proper row machine offers smooth operation, an engaging platform (whether that means it offers digital feedback or is just fluid to use), and is comfortable to use. 

Reliability: If the row machine you invest in doesn't last longer than a few months, you'll likely be cursing whatever inclination you had to want to buy it. Put plainly, at-home workout machines aren't cheap and the one you ultimately end up spending a large chunk of money on should work, and work often. 

Value: Value is a mixture of the categories that came before it, as well as some attention to its actual sticker price — but this doesn't mean that more expensive models should be ignored. It's better to spend more money once on a machine that's reliable, easy to use, and delivers a fun workout than to struggle with a different cumbersome budget model every few months. 

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The Rule of 72 is a quick, simple way to figure how long it'll take for your savings and investments to double in value

rule of 72
The Rule of 72 demonstrates how the magic of compounding helps investments to grow.
  • The Rule of 72 is a mathematical formula that estimates how long it'll take an investment to double in value or to lose half its value. 
  • To calculate the Rule of 72, you divide the number 72 by the rate of return of an investment or account.
  • The Rule of 72 can only be used on investments earning compound interest; it's most effective on interest rates between 6% to 10%.
  • Visit Insider's Investing Reference library for more stories.

Learning where and how to invest is intimidating. So intimidating that many people don't make it to the next step of figuring out how to project the growth of their investments — even though that's pretty crucial to your making financial plans and setting goals. 

What if you could plug some numbers into a simple formula and find out how long it would take for your investments to double?

That's exactly what the Rule of 72 does. Here's what you need to know about how it works and why it's a key tool to keep in your investing toolbox.

What is the Rule of 72?

The Rule of 72 is a mathematical principle that estimates the time it will take for an investment to double in value. The mention of math might make your jaw clench, but the Rule of 72 is actually a very basic formula that anyone can use. 

Simply take the number 72 and divide it by the interest earned on your investments each year to get the number of years it will take for your investments to grow 100%. Or to drop by 50%.

However, you can only apply this rule to compounding growth or decay. In other words, you can only use it for investments that earn compound interest, not simple interest. With simple interest, you only earn interest on the principal amount you invest. Compound interest is "interest earned on interest": It accrues on accumulated interest, in addition to the principal.  

Because interest is essentially being added into your principal, and used as the base for fresh interest calculations, compounding makes your investment grow exponentially. Meaning: As interest accrues and the quantity of money increases, the rate of growth becomes faster.

It doesn't have to be investment interest; anything that augments your principal creates "the magic of compounding." For example, if you reinvest the dividends you earn on your investments, your earnings are being compounded. Therefore, the Rule of 72 applies. 

On the other hand, if you choose to withdraw your dividends rather than reinvest them, your earnings might not compound, and the Rule of 72 wouldn't work.

How to calculate the Rule of 72

To calculate the Rule of 72, all you have to do is divide the number 72 by the rate of return. You can use the formula below to calculate the doubling time in days, months, or years, depending on how the interest rate is expressed. For example, if you input the annualized interest rate, you'll get the number of years it will take for your investments to double.

The formula is as follows: t ≈ 72 / r

  • t = number of periods it will take for the investment to double
  • r = the interest rate or rate of return per period, expressed as a percentage

You'll notice the formula uses the "approximately equals" symbol (≈) rather than the regular "equals" symbol (=). That's because this formula offers an estimate rather than an exact amount, and it's most accurate when used on investments that earn a typical rate of 6% to 10%. 

While usually used to estimate the doubling time on a growing investment, the Rule of 72 can also be used to estimate halving time on something that's depreciating. 

For example, you can use the Rule of 72 to estimate how many years it will take for a currency's buying power to be cut in half due to inflation, or how many years it will take for the total value of a universal life insurance policy to decline by 50%. The formula works exactly the same either way — simply plug in the inflation rate instead of the rate of return, and you'll get an estimate for how many years it will take for the initial amount to lose half its value.

Rule of 72 example

Let's say you invest $1,000 at a 9.2% annual rate of return, which is the average stock market return for the last 10 years. To calculate the doubling time using the Rule of 72, you'd input the numbers into the formula as follows:

72 / 9.2 ≈ 7.8

This means that your initial $1,000 investment will be worth $2,000 in about 7.8 years, assuming your earnings are compounding. If you instead invest $10,000, you'll have $20,000 in just under eight years. This also means that $20,000 will double again in another eight years, assuming the same rate of growth — in other words, you'll have $40,000 in less than 16 years. 

All of this is also assuming you're not adding to your initial investment over time, which makes the fact that your money is doubled in less than a decade all the more impressive.

Alternatives to the Rule of 72

The number 72 is a good estimator in most situations and, thanks to it being an easily divisible number, it makes for simple math. It's best for interest rates, or rates of return, between 6% to 10%. Most investment accounts, including retirement accounts, brokerage accounts, index funds, and mutual funds fall into this range of return. 

But with a different range, you might want to fiddle a bit — same formula, but different numbers to divide by. An easy rule of thumb is to add or subtract "1" from 72 for every three points the interest rate diverges from 8% (the middle of the Rule of 72's ideal range). 

At really high interest rates, for example, using the number 78 will give more accurate results. On the other hand, 69 or 70 are more accurate for lower interest rates and interest that compounds daily. Daily compounding is rare in investing and mostly happens with savings products such as high-yield savings accounts and certificates of deposit (CDs).

The financial takeaway

The Rule of 72 offers a quick and easy way for investors to project the growth of their investments. By showing how quickly you can double your money with minimal effort, this rule beautifully demonstrates the magic of compounding for building wealth.

Related Coverage in Investing:

What is dollar-cost averaging? A simple investment strategy that will help most people build wealth over time

How banks can pay interest on your money

6 easy ways to grow your money with very little effort

How to calculate return on investment to figure how much money you've made

How to invest in mutual funds and grow your money for retirement, a bucket-list trip, or any other long-term goal

Read the original article on Business Insider

Reddit employees will keep their coveted San Francisco salaries if they move to more affordable cities, bucking the trend of pay cuts for workers leaving Silicon Valley

reddit steve huffman
Reddit Inc. co-founder and CEO Steve Huffman speaks during a hearing with the House Communications and Technology and House Commerce Subcommittees on Capitol Hill on October 16, 2019 in Washington, DC.
  • Reddit said Tuesday that its employees will not take a pay cut if they decide to move to more affordable cities.
  • Many of Reddit's Silicon Valley peers, including Facebook and Stripe, have said that workers will indeed take a salary cut if they leave Silicon Valley.
  • The pandemic has altered real estate in the tech region as corporate offices remain shuttered and many companies consider alternative, remote options even after offices reopen.
  • Visit Business Insider's homepage for more stories.

Reddit will keep paying its employees their San Francisco salaries if they decide to leave the region for more affordable locales, the company said in a Tuesday blog post.

"To support employees to live where they want to and do their best work, we are eliminating geographic compensation zones in the US," the company wrote. "It means that our US compensation will be tied to pay ranges of high-cost areas such as SF and NY, regardless of where employees live." Reddit also said it will still work to reimagine office space for those who want to both work remotely and come into an office periodically.

Reddit did not immediately respond to Business Insider's request for comment.

The San Francisco-based company appears to be the first of the region's tech pool to offer such a benefit to its workers as the industry continues to embrace remote work. 

Read more: San Francisco Bay Area tech salaries revealed: Here are 21 of the region's highest-paid jobs at companies like Netflix, Google, Apple, and Facebook.

Twitter and Square have told employees they can work remotely permanently, even after the pandemic, but has a policy to cut pay for those who leave the region. Google and Facebook have announced that their workforces will be working from home well into 2021. However, Facebook has said employees who choose to move away from the Bay Area will take a pay cut starting in January. And online payment processor Stripe similarly told its workers that they will take a 10% pay cut if they move away from the Bay Area, although the company did say it would pay them $20,000 as a one-time incentive to relocate.

An exodus from the pricey San Francisco Bay Area is nothing new, but the pandemic and a shift to remote work have accelerated an "urban flight" from the city since this summer. A June report from rental site Zumper showed that rents had plunged 9.2% year-over-year. And according to an October Realtor report, the median rent for a studio apartment in the city dropped over 30% from this time last year, signaling a decrease in demand for housing.

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Early votes in the US account for over 50% of votes that were cast in the entire 2016 presidential election

Voters wait in line to cast early ballots at Philadelphia City Hall in Philadelphia, Pennsylvania.
  • As of October 27, at least 69.4 million ballots have been cast in the 2020 election, according to Michael McDonald at the US Elections Project.
  • This figure would represent over half of all votes (50.8%) that were cast in the 2016 presidential election.
  • Texas currently leads the way with 7,803,590 early ballots cast, the highest total of any individual state in the country.
  • Visit Business Insider's homepage for more stories.

Early voting in the US presidential election has been robust since it began a few weeks ago, but it just passed a critical milestone.

As of October 27, at least 69.4 million ballots have been cast in the 2020 election, according to Michael McDonald, a University of Florida political science professor who runs the US Elections Project.

This figure would represent over half of all votes (50.8%) that were cast in the entire 2016 presidential election between then-GOP nominee Donald Trump and former Secretary of State Hillary Clinton. That year, 136,669,276 votes were cast in total, according to the Federal Elections Commission.


Combined with Election Day votes, the rising number of early votes could represent a historic turnout total once all the ballots are counting, rivaling the turnout of the 1908 US presidential election, which hit 65% of the eligible US population.

Here are the three states with the highest early voting totals so far, based on data from the US Elections Project:

  • Texas leads the way with 7,803,590 ballots cast, the highest total of any individual state in the country.
  • California has the second-highest total in the country, with 7,402,302 ballots cast.
  • Florida has the third-highest level in the country, with 6,427,773 ballots cast.

Texas has voted for the Republican presidential nominee since 1980, but this year multiple polls have showed a close race between Democratic presidential nominee Joe Biden and Trump.

The state has long had low voter turnout levels in its elections, but a mix of changing demographics and infrequent or first-time voters showing up to the polls in 2020 has changed the calculus of predicting the winner of the Lone Star State, according to the Guardian.

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A NASA spacecraft circling Jupiter has captured the planet's colorful electrical outbursts — sprites and elves — for the first time

sprite lightning jupiter atmosphere
An illustration of the lightning phenomenon known as a sprite on Jupiter.
  • NASA's Juno spacecraft has discovered that Jupiter's atmosphere produces lightning-like electrical outbursts called transient luminous events.
  • On Earth, these colorful lights occur during thunderstorms, when lightning strikes produce red tendrils called sprites or glowing disks called elves high above the clouds.
  • Scientists predicted that Jupiter would have sprites and elves too, since it has lightning, but nobody had captured these alien flashes of light until now.
  • Visit Business Insider's homepage for more stories.

NASA's Juno spacecraft just captured images of colorful bursts of lightning-like electricity high in Jupiter's  atmosphere.

These phenomena, which include jellyfish-shaped "sprites" and glowing disks called "elves," also occur high up in Earth's atmosphere during thunderstorms. They were first documented in 1989. Scientists predicted that other planets that have lightning, like Jupiter, would also produce these transient luminous events.

But nobody had ever seen alien sprites or elves until now.

Juno has been orbiting Jupiter since 2016 and collecting images of its aurorae in ultraviolet light. A team of researchers processing those snapshots recently noticed something odd.

jupiter sprite lightning atmosphere
The south pole of Jupiter and a potential transient luminous event — a bright, unpredictable, extremely brief flash of light (circled in yellow) — captured by Juno on April 10, 2020.

"In the process of putting together those images, we noticed that very occasionally we saw these surprising, short-lived, bright flashes," Rohini Giles, a researcher on the Juno team, said in a press conference on Tuesday, during the annual meeting of the American Astronomical Association's Division for Planetary Sciences.

"We then went and searched through all of the data that we've taken over four years of the mission and we found a total of 11 flashes all with very similar properties," she added.

Each of these outbursts lasted just a few milliseconds.

Giles' team published a new study on these flashes in the Journal of Geophysical Research: Planets on Tuesday.

On Earth, sprites appear as long, red tendrils, sometimes trailing down from a diffuse halo. They happen when a lightning strike produces a high-altitude "quasi-electrostatic field," Giles said.

red sprite lightning earth iss thunderstorm skitch
Red sprites appear above the US, photographed from the International Space Station in 2015.

In other cases, lightning strikes send electromagnetic pulses upward. The pulses produce glowing disks: elves. 

"On Earth, sprites and elves appear reddish in color due to their interaction with nitrogen in the upper atmosphere," Giles said. "But on Jupiter, the upper atmosphere mostly consists of hydrogen, so they would likely appear either blue or pink."

Juno can't confirm that these events were triggered by lightning strikes, since the probe's lightning-detecting instrument is on the other side of the spacecraft from its UV imaging instrument. Images from the two instruments are taken at least 10 seconds apart — a delay that's too long to capture the same brief flash of light.

jupiter great red spot hubble
A Hubble Space Telescope view of Jupiter, taken June 27, 2019, reveals the giant planet's trademark Great Red Spot.

But everything else points to these 11 outbursts being transient luminous events: They were extremely short-lived, emitted lots of hydrogen, and occured about 186 miles (300 kilometers) above Jupiter's water clouds — too high to be lightning.

"We're continuing to look for more telltale signs of elves and sprites every time Juno does a science pass," Giles said. "Now that we know what we are looking for, it will be easier to find them at Jupiter and on other planets. And comparing sprites and elves from Jupiter with those here on Earth will help us better understand electrical activity in planetary atmospheres."

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A rare Blue Blood Moon rises on Halloween. Here's what that means.

The full moon sets behind trees in the Taunus region near Frankfurt, Germany, Thursday, May 7, 2020. (AP Photo/Michael Probst)
The full moon sets behind trees in the Taunus region near Frankfurt, Germany, Thursday, May 7, 2020. (AP Photo/Michael Probst)

A Blue Blood Moon will hang in the sky on Halloween.

It's nothing to fear, though, despite the ominous name. A blue moon is the term for the second full moon in a single month, and a Blood Moon is simply the name for a full moon that falls in the month of October.

The backdrop is rare for October 31: Full-moon Halloweens only happen every 18 or 19 years, according to The Old Farmer's Almanac.

Across North America and Europe, people have used full moons to track months and seasons for thousands of years, naming each one based on the seasonal changes it indicates.

The names assigned to full moons are often attributed to the native Algonquian peoples, who share a family of languages and originate from the area that today ranges from New England as far west as Lake Superior. Colonial settlers across North America adopted their own version of the indigenous names, according to the Almanac.

Different languages and cultures characterized their moons differently, sometimes based on agricultural cycles, sometimes on natural phenomena. Here are some of the many names assigned to full moons throughout the year.

Blue moons are like special bonuses. They occur every two or three years, when a month or season has one extra full moon.
Blue Moon

When an astronomical season (the time between solstice and equinox) has four full moons instead of the normal three, the third one is a seasonal blue moon.

When a calendar month has two full moons, the second one is a monthly blue moon. That happens because the lunar month is only 29 days long, while the Gregorian calendar month is usually 30 or 31 days long.

The moon doesn't actually appear blue on these occasions. That would only happen if dust or smoke particles of a particular size cloud the atmosphere, say after a forest fire, volcanic eruption, or dust storm.

The next seasonal blue moon: August 22, 2021

The next monthly blue moon: August 30, 2023

October: Hunter's Moon, Blood Moon, Dying Grass Moon, Travel Moon
hunting shooting guns dogs pheasants
A man shoots at pheasants flying overhead during a pheasant hunt in Stokenchurch, southern England.

These names refer to the time of year when leaves have fallen, the deer are fat, and animals are coming into harvested fields to eat what's left. Historically, hunters took advantage of October to store meat for the winter.

The next one: October 31, 2020

November: Beaver Moon, Frosty Moon
beaver woodchuck tree
A Canadian beaver chews through a tree in Gatineau Park, Quebec.

Beavers prepare for winter in November, as do trappers. This moon signaled the time to catch beavers and secure a supply of warm furs before the swamps froze.

The next one: November 30, 2020

December: Cold Moon, Long Night's Moon
full moon snow moon december
The moon sets behind a mountain at sunrise in Lake Louise, Alberta on December 2, 2009.

December has the longest, darkest nights of the year, and the moon sits above the horizon longer than usual. Some Europeans and their descendants in North America also called the December full moon the "moon before Yule."

The next one: December 29, 2020

January: Wolf Moon, Old Moon, Ice Moon

In mid-winter, as the story goes, hungry wolves would gather outside villages in North America and medieval Europe and howl into the night. This full moon was sometimes also called the "moon after Yule."

The next one: January 28, 2021

February: Snow Moon, Hunger Moon
snow moon february full moon
The full "Snow Moon" rises above the Hudson River and the town of Irvington, New York, February 3, 2015.

In North America, February marks the depths of winter, when snow blankets the ground and fresh food was traditionally harder to come by. Because it's a shorter month, some Februarys don't have a full moon at all.

The next one: February 27, 2021

March: Worm Moon, Sap Moon, Crow Moon
maple tapping massachusetts
Massachusetts Governor Charlie Baker urges sap to come out of a maple tree during an event at Hollis Hill Farm in Fitchburg, Massachusetts, March 6, 2015.

As spring approaches, earthworms emerge from the ground, maple trees are ripe for tapping, and crows caw to herald the end of winter. European settlers with religious calendars called this the Lenten moon.

The next one: March 28, 2021

April: Pink Moon, Sprouting Grass Moon, Egg Moon, Fish Moon
pink flower spring Phlox_Paniculata
Phlox flowers bloom in early spring.

The pink moon is named for the pink phlox flowers that bloom in spring. The other names refer to additional staples of the changing season: growing grass, birds filling nests with eggs, and fish that swim upstream to spawn.

The next one: April 26, 2021

May: Flower Moon, Planting Moon

In May, flowers burst fully into bloom and it becomes time to sow crops again.

The next one: May 26, 2021

June: Strawberry Moon, Rose Moon, Hot Moon
picking strawberries vermont
A family picks strawberries at the Legare Farm Stand in Calais, Vermont, June 21, 2007.

Strawberries ripen for picking in June. Europeans dubbed this the rose moon, and other cultures called it the hot moon because it harkens summer heat ahead.

The next one: June 24, 2021

July: Buck Moon, Thunder Moon, Hay Moon
Reuters best wildlife animal images of 2015 deer
Young stag deer clash antlers during the annual rut in Richmond Park in west London, Britain, October 16, 2015. The Royal Park has had Red and Fallow deer present since 1529, and early autumn sees the rutting or breeding season begin amongst the herd of over six hundred animals.

Deer grow new, velvety antlers in July, and thunderstorms rage aplenty in some parts of North America. For Anglo-Saxons, July was all about hay.

The next one: July 23, 2021

August: Sturgeon Moon, Red Moon
sturgeon fish
Virginia Commonwealth University graduate student Matt Balazik gets ready to toss a 70-lb Atlantic sturgeon into the James River near Charles City, Virginia, October 8, 2010.

Tribes near the Great Lakes and Lake Champlain knew August was the best time to catch sturgeon, an enormous, hearty fish. Some people also think the moon appears more reddish in color this month because of the heat.

The next one: August 22, 2021

September: Harvest Moon, Corn Moon, Barley Moon
Amish harvest corn in Maryland
Amish people harvest corn in Maryland.

Over the millennia, September's full moon has signified to farmers that it's time to finish harvesting corn and other crops. A Harvest Moon sometimes occurs in October (the moon doesn't follow the Gregorian calendar), but it's always the full moon closest to the autumnal equinox.

Because the harvest moon rises with the setting sun, it looks larger than usual. These bright moonlit nights give farmers a little extra time to harvest their crops.

The next ones: September 20, 2021

Some full moons are called supermoons or micromoons. The contemporary terms refer to how large and small the moon looks at various points in its elliptical orbit.
Supermoon 2013

Supermoons occur when the moon is at perigee — the closest point to Earth. They can cause stronger ocean tides and weather events.

Micromoons are the opposite, occurring at apogee — when the moon is furthest from Earth.  They can reduce the variation in spring tides by 2 inches. Micromoons appear about 14% smaller than supermoons, and sometimes seem dimmer, since the area illuminated by the sun appears 30% smaller, according to TimeandDate.com.

Since the International Astronomical Union (IAU) has not officially defined supermoons or micromoons, astronomers disagree on which full moons get the designation.

The next full supermoon: March 28, 2021

The next full micromoon: October 31, 2020

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Callaway Golf just acquired all of Topgolf in an appeal to millennial customers

Topgolf Vegas
Lee Brice attends the ACM Lifting Lives TOPGOLF Tee-Off at TOPGOLF on April 06, 2019 in Las Vegas, Nevada.
  • Callaway Golf, the $1.8 billion golf club maker, just bought Topgolf. The deal would value Topgolf at $2 billion, per a release.
  • Topgolf is an entertainment company that operates outdoor and indoor golf games. The company generated $1.1 billion in revenue in 2019 and has grown at a 30% compound annual rate since. 
  • "Topgolf is the best thing that happened to golf since Tiger Woods," Callaway CEO Chip Brewer said in an interview with The Wall Street Journal. "It's going to be the largest source of new golfers for our industry."
  • Callaway initially invested in Topgolf in 2006 for 14% of the company.
  • Callaway expects Topgolf to grow significantly after reporting a 233% increase in revenue in the past three years. Topgolf had 23 million total guests in 2019, with over half of customers identifying as non-golfers. 
  • "Millennials want a parallel experience, and Topgolf is built on four things everyone loves – play, food and drinks, music and community" Erik Anderson, co-chairman Topgolf Entertainment Group, told CNBC.

  • Visit Business Insider's homepage for more stories.
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Trump praises himself for not being a 'typical politician.' That line worked in 2016, but former supporters now see it as 'lack of experience.'

trump wind
  • President Donald Trump has maintained his campaign message that his appeal to his base is that he isn't a lifelong politician.
  • At last week's debate, he criticized Democratic presidential nominee Joe Biden for being a "typical politician."
  • But former supporters of Trump who now support Biden told Business Insider the past four years have shown Trump's "lack of experience" and his "unpresidential" nature.
  • Ultimately, these former Trump supporters said they want a president who shows they care about Americans, particularly in wake of a global health crisis and social unrest.
  • Visit Business Insider's homepage for more stories.

Four years ago, Amy Hopkins, a lifelong Republican, voted for Donald Trump "because he wasn't necessarily a politician at the time." 

Hopkins, 45, told Business Insider she thought if Trump could "run multiple businesses then I felt that possibly we would see a change in how some things are run within the country."  

During his first presidential campaign, Trump distinguished himself from his opponents by touting himself as a Washington, D.C. outsider, arguing he was not "controlled fully by the lobbyists, by the donors, and by the special interests."

"I'm not a politician, thank goodness," Trump said in 2015, according to the Washington Post, adding that politicians did not walk the talk. 

This pitch was a major selling point for his supporters. 

"He's going to tell the people what he's going to do, and he's going to do it. Finally, we get someone that's not a politician," one supporter told the BBC in 2016.

"I'm not a typical politician," Trump said last week as he mocked Democratic presidential nominee Joe Biden for being a "typical politician" after he spoke directly to American families during the final presidential debate.

"That's why I got elected," Trump said. 

But now former Trump supporters like Hopkins said they no longer consider whether or not someone is a "typical politician" — or even a businessperson — an important factor as to who should be president.

"I don't go based on what the stock market is doing daily, because that's not a realistic way for me to live my life," she said. "I really would prefer to have somebody in office that cares about the American people and their voices and how we feel, it doesn't feel that way with [Trump]."

Erin Rosiello of Ohio told Insider she voted for Trump in 2016 because she was convinced the US needed "somebody with a good business sense" over a "lifelong politician," but "within weeks I was so sorry for my decision and have been kicking myself ever since."

Rosiello, who has been diagnosed with lung cancer, said in August she feared "every day that he's going to pull the plug on ACA, which will take away preexisting coverage — which would cost me my life."

For David Weissman, it wasn't just Trump appearing to be a successful businessman that prompted him to vote for the billionaire in 2016, but also how an outsider Trump made the now 40-year-old Florida resident feel seen and included as a conservative. 

"I thought that he was going to tell it how it is, trying to get things done," Weissman told Business Insider. In 2016, he believed Trump would accomplish a lot while in office, wouldn't be afraid to say when somebody was doing wrong, and make America more conservative, which he supported at the time, he said.


But this year Weissman said he is now rallying behind Biden.

Since voting for Trump, Weissman said he's been disappointed to realize what made Trump an appealing candidate was a facade.

Weissman, a 13-year Army veteran said he was disappointed to learn about Trump deferring his military draft and his "business failures," such as his bankruptcies, lawsuits, and a recent review of Trump's tax records that showed many of his businesses were struggling financially.

"Those are not qualities of a successful businessman," Weissman said, adding that Trump's "lack of experience" in politics is the reason for chaos around the coronavirus pandemic and protests for racial justice.

"We need somebody that has experience who knows what to do, knows what to say," he said, and pointed to Biden's long background in politics as "experience" that qualifies him for office.

Trump has appeared "unpresidential" over the past four years, Hopkins said, referring to the president's tweets and controversial comments. But the pandemic a tipping point for her was when Trump seemed to brush off the gravity of the novel coronavirus, she said.

"He should have taken action a lot sooner," Hopkins said. As journalist Bob Woodward reported in his recent book, Trump was aware of the coronavirus early on but wanted to "play it down" because he didn't want to "create a panic."

Still, Hopkins said, her change of heart on Trump does not indicate that the best candidate for the job needs to be a politician.

"We need more people to care about how the American people are living," she said. 

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Florida police detective buys a $1,000 Purple Heart to try and reunite it with its owners

purple heart
A Purple Heart.
  • A police detective in Florida on Sunday purchased a Purple Heart that was originally priced at $10,000 at an antique shop in order to track down the family of its owner, according to Fox News affiliate WTVT.
  • The detective reportedly explained to the antique dealer that he wanted to track down the family of the medal recipient and purchased the Purple Heart for $1,000.
  • The detective, a US Army veteran, said he was "extremely angry" after he saw the listed price of the medal.
  • Visit Business Insider's homepage for more stories.

A police detective in Florida on Sunday purchased a Purple Heart that was originally priced at $10,000 at an antique shop in order to track down the family of its owner, according to Fox News affiliate WTVT.

"I didn't know what to think. It was kind of odd," Sgt. Anthony Cerniglia of Palmetto, Florida, a US Army veteran, reportedly said, adding that he was "extremely angry" after he saw the listed price of the medal.

Purple Heart medals are awarded to US service members who were killed or wounded in the line of duty due to enemy actions. Nearly 2 million are estimated to have been awarded since its inception in 1792, according to the National Purple Heart Hall of Honor.

"It's hurtful. It's crushing," Cerniglia said to WTVT. "We know what these soldiers do to earn this."

Cerniglia reportedly explained to the antique dealer that he wanted to track down the family of the medal recipient and purchased the Purple Heart for $1,000. Purple Hearts come with the recipients name engraved on the medal. This particular combat decoration was awarded to Alan D. Beckwith, who was 22 years old when he was killed on June 7, 1944, one day after D-Day, according to WTVT.

Cerniglia did not immediately respond to Insider's request for comment on Tuesday afternoon.

Cerniglia has reportedly been using publicly available tools to track down its owner, such as Ancestry.com. He has since found Beckwith's niece and nephew, both in their 60s.

"It would be a proud moment for me to be able to return this to the rightful owners," he told WTVT.

It is not illegal to buy or sell a Purple Heart; however, it is a federal offense to claim to be a recipient of the combat decoration for benefits.

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