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- 11/02/18--17:11: _Trump 'calls real t...
- 11/02/18--17:22: _A Snapchat glitch i...
- 11/02/18--18:31: _'I was angry, and I...
- 11/02/18--20:49: _How 'The Walking De...
- 11/02/18--22:20: _It looks like the w...
- 11/02/18--22:23: _Morgan Stanley is i...
- 11/02/18--22:25: _The 'godfather' of ...
- 11/02/18--23:04: _How automakers can ...
- 11/02/18--23:23: _Obama zings heckler...
- 11/03/18--10:07: _The 7 most incredib...
- 11/03/18--10:07: _The 20 best smartph...
- 11/03/18--10:08: _Millennials are tre...
- 11/03/18--10:32: _How countries aroun...
- 11/03/18--10:34: _Brazil's new presid...
- 11/03/18--11:08: _These are all the f...
- 11/03/18--11:29: _Weeks after a showd...
- 11/03/18--12:23: _Justin Bieber got a...
- 11/03/18--13:36: _Novak Djokovic just...
- 11/03/18--13:53: _Ariana Grande revea...
- 11/03/18--14:01: _IoT Report: How Int...
- Republican Sen. Jeff Flake of Arizona continued to voice his opposition against President Donald Trump's rhetoric and pushed back against his tirade on news organizations.
- Trump recently blamed the media for a series of violent incidents that have been garnered national attention.
- Flake, who described Trump's recent attacks on the press as "patently absurd" and "just wrong," suggested "we all ought to stand up and speak out."
- A bomb scare in which a man is accused of mailing packaged explosives to Democratic leaders and to CNN.
- Another man who fatally shot 11 parishioners at a Jewish synagogue in Pittsburgh.
- Snapchat users are experiencing issues logging into their accounts, giving error messages that make it look like their accounts have been deleted.
- The company has acknowledged the issue and told users on Twitter: "Your account should be safe!"
- Snapchat has not given a timeline for the fix or details on the extent of the issues.
- Senate Judiciary Committee investigators said that a woman who claimed to be the author of an anonymous sexual-assault allegation against Justice Brett Kavanaugh had "fabricated" the claim.
- Republican Sen. Grassley of Iowa said his committee had investigated the allegations made by Judy Munro-Leighton, a Kentucky woman who claimed she was the author of an anonymous letter that detailed graphic sexual-assault allegations.
- The "Jane Doe" in the letter claimed that Kavanaugh and his friend "sexually assaulted and raped me in his car," but provided no timeframe of the incident, and no return address.
- Investigators were able to find Munro-Leighton due to her "relatively unique name," and determined she was an "activist ... decades older than Judge Kavanaugh."
- Munro-Leighton, who had never met Kavanaugh in person, "admitted, contrary to her prior claims, that she had not been sexually assaulted by Judge Kavanaugh and was not the author of the original 'Jane Doe' letter,'" Grassley's office said.
- Grassley urged the FBI and attorney general to give "utmost consideration" to the case, but added that Munro-Leighton's fabricated allegations should not discount sexual assault claims that were made in "good faith."
- INSIDER spoke at length with "The Walking Dead" casting directors Sharon Bialy and Sherry Thomas in summer 2017 about various cast auditions on the AMC show.
- In honor of Andrew Lincoln's final episode Sunday, we're sharing how Andrew Lincoln wound up on the zombie drama.
- The US stock market had a turbulent October, falling more than 10% from recent highs at its darkest depths.
- While the selling pressure appears to have subsided, Goldman Sachs warns that a worrisome trend has developed under the surface — one that shows investors are still nervous.
- Startup Neo4j announced Thursday it raised $80 million in Series E financing, led by One Peak Partners and Morgan Stanley Expansion Capital.
- Neo4j is known for developing graph databases, a newer way to store data that can be even faster than the more widely-used relational databases.
- Since Neo4j was founded 11 years ago, graph databases have become increasingly popular, and even Amazon has introduced its own graph database.
- Neo4j will use the funding to invest in artificial intelligence, which can help with making predictions in fields like retail or even cancer research.
- Asset managers are continuing to try and launch bitcoin ETFs, despite no sign that US regulators will approve these funds.
- A bitcoin ETF has long been viewed as a natural next step in bitcoin’s maturation as an asset class.
- Reggie Browne, senior managing director and global head of ETF trading at Cantor Fitzgerald, believes a bitcoin ETF will be approved "no time soon."
- 11/02/18--23:04: How automakers can compete in the future of mobility
- The low cost of autonomous taxis will eventually lead car ownership rates among urban consumers to decline sharply, putting automakers’ traditional business models at risk.
- Many automakers plan to launch their own autonomous ride-hailing services with the self-driving cars they're developing to replace losses from declining car sales, putting them in direct competition with mobility startups and tech giants looking to launch similar services.
- Additionally, automakers plan to maximize utilization of their autonomous on-demand vehicles by performing last-mile deliveries, which will force them to compete with a variety of players in the parcel logistics industry.
- Regulatory pressures could also push automakers to consider alternative mobility services besides on-demand taxis, such as autonomous on-demand shuttle or bus services.
- Providing these types of services will force automakers to make drastic changes to their organizations to acquire new talent and skills, and not all automakers will succeed at that.
- Forecasts the growth of autonomous on-demand ride-hailing services in the US.
- Examines the cost benefits of such services for consumers, and how they will reshape consumers’ transportation habits.
- Details the different avenues for automakers to monetize the growth of autonomous ride-hailing.
- Provides an overview of the various challenges that all players in the self-driving car space will need to overcome to monetize their investments in these new technologies in the coming years.
- Explains the key factors that will be critical for automakers to succeed in this emerging market.
- Offers examples of how automakers can differentiate their apps and services from competitors’.
- 11/02/18--23:23: Obama zings hecklers at a campaign rally for Florida Democrats
- Hecklers interrupted former President Barack Obama multiple times during a speech at his campaign rally in support of the Democratic gubernatorial candidate, Andrew Gillum on Friday.
- "Listen, here's the deal," Obama said after he was interrupted. "If you support the other candidates, then you should go support the other candidates."
- Obama's supporters drowned out shouts from hecklers by chanting "bring it home," the catchphrase Gillum, who is also the mayor of Tallahassee, called up on the campaign trail.
- Trump took a rhetorical swing at Obama on Friday, claiming his predecessor had "a very small crowd."
- 11/03/18--10:07: The 20 best smartphones in the world
- Eighty-six percent of millennials said they treat themselves at least once a month, according to Fidelity Investments' 2018 Millennial Money Study.
- This doesn't mean millennials are bad with money or spend recklessly; contrary to their reputation, millennials make saving a priority.
- Millennials are balancing their current spending on "treats" with financially preparing for the future.
- Most countries in Europe have made some formal attempt to foster the development of domestic fintech industries, with Germany and Ireland seeing the best results so far. France, meanwhile, got off to a slow start, but that's starting to change.
- The Asian fintech scene took off later than in the US or Europe, but it's seen rapid growth lately, particularly in India, China, and Singapore.
- The increasing importance of technology-enabled products and services within the financial services ecosystem means the global fintech industry isn't going anywhere.
- Fintech hubs will continue to proliferate, with leaders emerging in each region.
- The future fintech landscape will be molded by regulatory bodies — national and international — as they seek to mitigate the risks, and leverage the opportunities, presented by fintech.
- Explores the fintech industry in six countries or states, and identifies individual fintech hubs.
- Highlights successful fintechs in each region.
- Outlines the challenges and opportunities each country or state faces.
- Gives insight into the future of the global fintech industry.
- 11/03/18--11:08: These are all the fighter jets in the US Air Force
- 11/03/18--12:23: Justin Bieber got a tattoo for Hailey Baldwin, and it's on his face
- Celebrity tattoo artist Keith McCurdy, "Mr. K," of Bang Bang Tattoo confirmed to Page Six that Justin Bieber has a new face tattoo.
- The theory is that the small cursive letters read "Grace."
- Justin Bieber and Hailey Baldwin have yet to confirm the tattoos.
- Novak Djokovic just beat Roger Federer in one of the year's best matches.
- Saturday's Paris Masters semifinal featured high quality tennis, and you can watch Federer's amazing shank shot, and Djokovic's incredible precision, in some of the highlights below.
- But after a three hour slugathon between two heavyweight greats of the game, there could be only one winner — Djokovic.
- Ariana Grande has confirmed on Twitter that the title of her new album will be "Thank U, Next."
- Grande previously used the phrase to chastise her ex-fiancé Pete Davidson
- The "God is a Woman" singer also tweeted what reads a lot like song lyrics.
- We project that there will be more than 55 billion IoT devices by 2025, up from about 9 billion in 2017.
- We forecast that there will be nearly $15 trillion in aggregate IoT investment between 2017 and 2025, with survey data showing that companies' plans to invest in IoT solutions are accelerating.
- The report highlights the opinions and experiences of IoT decision-makers on topics that include: drivers for adoption; major challenges and pain points; deployment and maturity of IoT implementations; investment in and utilization of devices; the decision-making process; and forward- looking plans.
- Provides a primer on the basics of the IoT ecosystem.
- Offers forecasts for the IoT moving forward, and highlights areas of interest in the coming years.
- Looks at who is and is not adopting the IoT, and why.
- Highlights drivers and challenges facing companies that are implementing IoT solutions.
Republican Sen. Jeff Flake of Arizona voiced his opposition toward President Donald Trump's rhetoric and pushed back against Trump's tirade against news organizations over reporting that may shine an unflattering light on his administration.
"Words matter, and when the president denigrates the press and the First Amendment, and calls real things fake and fake things real, it has a real effect around the world," Flake said during an interview with CNN anchor Wolf Blitzer. "And we can't forget that."
On Friday, Trump blamed the media for reporting on acts of political violence. Two such events captured the nation's attention last week:
Critics have charged that Trump's rhetoric toward his opponents have emboldened politically-motivated agitators.
"You are creating violence by not writing the truth," Trump told reporters. "The fake news is creating the violence."
Flake said Trump's recent attacks on the press are "patently absurd" and "just wrong," and said "we all ought to stand up and speak out" against violence towards the media.
Flake said he was particularly distressed by Trump's decision to deploy as many as 15,000 US troops to the US-Mexico border, which the White House claims is under threat from a caravan of migrants traveling through Mexico.
The Trump administration publicized the purported national security threat of the caravan by producing an advertisement that critics claim was racist and divisive.
"I certainly don't like the tone that President Trump has taken with regard to blaming immigrants," Flake said, adding that the Trump's claims were "just sickening and frankly, very untrue."
"To see the fearmongering that's going on, particularly with regard to immigration, is just unseemly," Flake said. "It really is."
Flake, who is scheduled to retire after his current term ends, has been critical of the Trump administration's policies. The senior senator from Arizona has been a popular target amongst Trump's most ardent supporters, who believe his opposition to Trump is, in some part, a ploy to derail the party's agenda.
Despite his opposition to Trump, Flake asserted he is a conservative at heart.
"I know that some people who know that I am very much opposed to the president in regard to some of his policies, and certainly his behavior, expect me to become a liberal," Flake said. "I'm not. I'm a conservative."
"I agree with the president sometimes, I disagree with him quite a bit," Flake added. "But people shouldn't expect me to vote lock-step against the president simply out of spite."
If you can't log in to your Snapchat account right now, you're not alone.
Some users can't access their accounts, and by reports on Twitter, it seems that affected users are getting error messages that make it sound like their accounts have been deleted.
According to a tweet sent out by Snapchat Support on Friday at 4:39 p.m. PT, the company is working on a fix for the login issues.
We're aware of an issue preventing some Snapchatters from logging in 😥 Hang tight! Your account should be safe!— Snapchat Support (@snapchatsupport) November 2, 2018
The login issue, though, has left some users concerned that their accounts have been deleted.
Some users on Twitter are saying that they're receiving an error message that their email and phone numbers are no longer connected to their accounts.
Twitter has not confirmed whether accounts have been deleted. They have responded multiple time with the same, automated response:
Thanks for letting us know, we’re looking into this 🛠— Snapchat Support (@snapchatsupport) November 2, 2018
Also, the phrasing "Your account should be safe!" has some Snapchatters feeling uneasy.
am i the only one that almost cried and got a panic attack? (Almost lost 30k views tho)— 👻kemainjr (@kemianjr) November 2, 2018
Snap, the company behind Snapchat, has not immediately responded to Business Insider's request for comment.
Senate Judiciary Committee investigators concluded that a woman who claimed to be the author of an anonymous sexual-assault allegation against Justice Brett Kavanaugh had "fabricated" her accusation, according to a letter from Senate Judiciary chairman Chuck Grassley.
In the letter sent to FBI Director Christopher Wray and Attorney General Jeff Sessions, Republican Sen. Grassley of Iowa said his committee had investigated the allegations made by Judy Munro-Leighton, a woman who claimed she was the author of an anonymous handwritten letter that detailed the graphic sexual assault allegations.
The anonymous, undated letter Munro-Leighton referenced was received by Democratic Sen. Kamala Harris of California in September, and was publicly released with Kavanaugh's testimony on the Committee's website on September 26. The "Jane Doe" in the letter claimed that Kavanaugh and his friend "sexually assaulted and raped me in his car," but provided no timeframe of the incident, and no return address.
"Jane Doe will get no media attention," Munro-Leighton wrote in an email, according to Grassley's office. "But I am deathly afraid of revealing any information about myself or my family."
Investigators were able to find Munro-Leighton due to her "relatively unique name," and determined she resided in Kentucky. According to their findings, they deduced that she was what they described as a "left-wing activist," who is "decades older than Judge Kavanaugh."
After being interviewed by investigators on Thursday, Munro-Leighton, who had never met Kavanaugh in person, "admitted, contrary to her prior claims, that she had not been sexually assaulted by Judge Kavanaugh and was not the author of the original 'Jane Doe' letter,'" Grassley's office said.
"No, no, no. I did that as a way to grab attention," Munro-Leighton said to investigators. "I am not Jane Doe ... but I did read Jane Doe's letter. I read the transcript of the call to your Committee ... I saw it online. It was news."
Munro-Leighton, who said she called Congress multiple times to oppose Kavanaugh's nomination to the Supreme Court, also admitted she "just wanted to get attention" and that her actions were "just a ploy."
"I was angry, and I sent it out," Munro-Leighton said of her sexual assault allegation.
Grassley urged the FBI director and attorney general to give the case his "utmost consideration," but added that Munro-Leighton's fabricated allegations should not discount sexual assault claims that were made in "good faith."
"The Committee is grateful to citizens who come forward with relevant information in good faith, even if they are not one hundred percent sure about what they know," Grassley said. "But when individuals intentionally mislead the Committee, they divert Committee resources during time-sensitive investigations and materially impede our work."
"Such acts are not only unfair; they are potentially illegal," Grassley added. "It is illegal to make materially false, fictitious, or fraudulent statements to Congressional investigators."
The accusation from the anonymous letter was one of many that were leveled against Kavanaugh, who would eventually replace Justice Anthony Kennedy on the Supreme Court. Numerous people came forward with accounts of their past experiences with Kavanaugh, which ranged from sexual misconduct to habitual drinking.
Read the Senate Judiciary Committee's full letter here:
Fans will say goodbye to Andrew Lincoln on this Sunday's "The Walking Dead," but it could have been a different actor in the now-iconic role of Rick Grimes.
While Ethan Embrey ("Can't Hardly Wait") auditioned for the role, Jon Bernthal, who wound up playing Shane on the AMC show, was the only other actor close to landing the role of the sheriff.
"So many actors audition for 'The Walking Dead' and I think a lot of rumors get out there that he [Embrey] was close to the guy [for Rick]," the show's casting director Sharon Bialy told INSIDER during an interview in 2017 . "Really the closest person was Jon Bernthal who [then-showrunner] Frank [Darabont] knew was more right for the role he played [Shane]."
"But I would say probably Jon was the closest to get it, 'cause we tested him," Bialy continued. "There's a big difference... between auditioning for a part and testing. Being in that final three that do either a screen test or a chemistry test, is a very different process than just auditioning and coming in the room with us."
So how did Lincoln land the coveted role on "The Walking Dead"?
According to Bialy and fellow casting director Sherry Thomas, they were racking their brains to think of other people who may fit the role right, when someone suggested Lincoln.
"I think everybody was really searching for that perfect person and at the time Andrew didn't even have an agent in this country. I think it was like 11:30 at night, and we're all up thinking, "Who have we not thought of? Who have we not thought of?" recalled Baily. "Kudos to our associate at the time, Gohar Gazazyan, Gohar said, "What about Andrew Lincoln?'"
When Bialy was reminded Lincoln played the heartthrob who professes his love to Keira Knightley's character in "Love Actually" with cue cards, she was immediately on board.
"I was like, "Oh my God, he's perfect," so we reached out to his British agent and sent her the script," she added.
They asked Lincoln to send in a tape of himself and knew Lincoln was their guy. But they weren't sure if Lincoln's tape would be enough to convince then-showrunner Frank Darabont so the duo asked if he could submit another tape the following morning after giving him a few notes and tips.
Lincoln did it immediately and they flew him out from London to test and was an immediate fit.
"I think Andrew Lincoln accessed what it meant to be a father, because he had just become a father," said Bialy. "So, that's what he honed into in the audition, about being a father, and also being tired."
There weren't any hard feelings from Bernthal. "The Punisher" actor told The Hollywood Reporter when Lincoln stepped on set "everyone knew that he was the guy." He told THR he knew he really wanted to play Shane. Embry, meanwhile, appeared briefly on the series as a hostile Alexandrian Rick eventually killed.
On the series, Grimes was not only a father to his son Carl (Chandler Riggs), who he watched grow up on screen, but also Judith, who he cared for with Michonne (Danai Gurira) since her birth.
After eight seasons on "The Walking Dead," Lincoln announced in July at San Diego Comic-Con he would be leaving the show during season nine to spend more time with his family.
"These guys have been the best surrogate family I could have hoped for. But I do have a real family and it is time for me to go home, but Norman [Reedus, aka Daryl] and Danai [Gurira, Michonne] send me scripts so I can keep one eye on the series," said Lincoln. "It's been everything to me for 10 years."
You can follow along with our "Walking Dead" coverage here. Lincoln's final episode airs Sunday at 9 p.m. on AMC.
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Equities sharply rebounded over the past two days, and investor nerves seem to have calmed considerably. There may be some lingering aftershocks, but it seems as if much of Wall Street thinks the worst of the turmoil is behind us.
But Goldman Sachs says not so fast. While the market may seem to have stabilized at the broader index level, there's still plenty of trepidation lurking under the surface on a single-stock basis.
The firm is focused on a measure called put-call skew, which measures hedging levels. A higher reading means investors are protecting more to the downside, implying nervousness.
As you can see in the chart below, skew for the average stock has actually spiked since the start of October. Meanwhile, the same measure for the entire S&P 500 has declined sharply amid the selling that engulfed the market for most of the month.
"Such a large divergence between these two measures is unusual," a group of strategists led by John Marshall wrote in a client note. "This suggests investors fear gap-moves lower in single stocks over the next three months."
It's not a coincidence that this divergence is occurring during the thick of corporate earnings season. Stocks have been swinging more than usual on quarterly reports, and investors have taken notice.
Goldman finds that the average earnings-related stock move for S&P 500 companies has been 4.5%, the highest since the third quarter of 2009 — or the period immediately after the financial crisis.
And it doesn't help that those earnings-driven single-stock fluctuations have been largely occurring in a downward direction. That's because the bar has been raised for companies as a whole, and simply matching analyst expectations isn't enough anymore.
In fact, even firms that have beaten forecasts have felt the wrath of skeptical traders. Data from Bank of America Merrill Lynch finds that investors aren't rewarding companies that beat profit and sales expectations for the first time since the tech bubble burst in 2000. And that, in turn, can be viewed as a late-cycle signal.
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Not many startups can take credit for helping to power cancer research, bolstering a space mission to bring people to Mars, and exposing government corruption with the Panama Papers.
But Neo4j can. On Thursday, the Silicon Valley database startup announced that it raised $80 million in Series E financing, led by One Peak Partners and Morgan Stanley Expansion Capital. This doubles Neo4j's total funding to $160 million in all.
When Neo4j was founded 11 years ago, it introduced a relatively novel concept: graph databases, something that Emil Eifrem, Neo4j's CEO and co-founder, has been evangelizing his entire career. Now graph databases are growing in use, and even Amazon Web Services has entered the space with its own AWS Neptune.
“Amazon doesn’t go into markets that aren’t real,” Eifrem told Business Insider. “They only choose to invest if it’s there. Their customers have told them loudly and clearly they want a graph database. That by and large is a good thing.”
So what, exactly, is a graph database?
For context, today’s widely-used databases are relational databases, which have been around since Oracle pioneered them in the 1970s. Relational databases organize information into tables by category, much like a spreadsheet.
“I grew up as a professional programmer in the 90s,” Eifrem said. “When you put an architecture together, the only database choice was Microsoft, IBM, Oracle. For all these years, we reflexively put any data in a relational database.”
But these aren't really built for finding links between two data points among massive databases — the system basically has to comb every single entry looking for commonalities, which takes up time and computer memory.
On the other hand, graph databases are built so that one can easily find the connections. While relational databases look like spreadsheet tables, a graph database looks a little bit more like connect-the-dots. Graph databases are especially effective for uses like fraud detection and automatic recommendations, where the information doesn't fit neatly into a traditional database.
When detecting fraud, graph databases make it easier systems to detect when, for instance, someone's credit card was used simultaneously in both New York and Los Angeles. Likewise, with recommendations, people can see recommendations based on previous activity, like products they previously bought or phrases they recently searched.
It’s like how children learn, Eifrem says. His youngest daughter just turned one year old and is starting to learn new words, like “mom” and “dad.”
“Every new thing she learns, she learns by relating it to stuff she already learns,” Eifrem said. “‘Dad’ is sort of like ‘mom.’ Machines are the same way. The context is how things are related to each other. There’s a lot of applications where graphs are critical for AI.”
The future of graph databases lies in artificial intelligence, Eifrem believes, and that’s how Neo4j plans to spend its new cash influx. Neo4j has been working with eBay on a shopping bot to recommend products to customers based on what they’ve bought in the past. Research organizations are even using Neo4j’s databases to study cancer.
“We help the world, but we don’t do it ourselves,” Eifrem said. “We’re tool builders. We enable the world to do it.”
And Neo4j has been able to help with some compelling, world-changing projects already in its existence.
When NASA engineers were working on the the Orion spacecraft, which could take astronauts to Mars in the future, they struggled with figuring out why the returning capsule wasn’t flipping correctly when it lands on the water. But using Neo4j’s databases to scope the problem, they finally solved the problem within hours. Relational databases are certainly useful, Eifrem said, but in many cases, graph databases are more powerful.
Neo4j even helped journalists crack the Panama Papers and Paradise Papers, which showed how the world’s elite hid away their massive wealth in offshore bank accounts. The graph databases helped reporters and researchers map out all the connections between various offshore bank accounts. After the Panama Papers went public, former Iceland prime minister Sigmundur Davíð Gunnlaugsson stepped down.
“That’s a pretty massive political impact we had,” Eifrem said. “They say for investigative journalism, there’s a pre-graph database era and a post-graph database era.”
By making these kinds of connections, too, it’s easier to make predictions. You can learn more about something based on what it's connected to. For example, if your friends on Facebook lean politically to the left or to the right, then it's likely you do as well. Similarly, if lots of people click on a new TV after adding a video game console to their shopping cart, then a shopping website can assume that you will, as well.
With more companies like Amazon entering the graph database space, Neo4j might have a bit more competition, but the idea that Eifrem has been trying to evangelize all these years will also be louder and clearer.
“I will never say that relational bases are dead, and go away,” Eifrem said. “Graph is for when there’s connections. We’re frequently a thousand times faster.”
The world is still waiting on the first bitcoin exchange traded fund after months of pushback from US regulators. And according to an executive known as the "godfather of ETFs," bitcoin enthusiasts will have to continue to wait.
Reggie Browne, a senior managing director and head of ETF trading at Cantor Fitzgerald, said bitcoin ETFs will be approved "no time soon."
Browne, speaking on Thursday at Georgetown University's Financial Markets Quality Conference in Washington D.C., said bitcoin ETFs will only come once there is a strong regulatory framework in place for these digital assets. But as of now, "it's very difficult for the commission to wrap their heads around a positive approval because there's no data yet ... the markets just aren’t here."
A bitcoin ETF has long been viewed as a natural next step in bitcoin’s legitimacy as an asset class. It would likely make it easier for retail investors tap into the market, which known for its volatility and market manipulation.
But the idea of a bitcoin ETF has received pushback from regulators that don't think markets for cryptos are properly monitored. Recently, the Securities and Exchange Commission rejected a slew of nine fund proposals by numerous asset managers.
Browne joined Cantor in 2013 from Knight Capital Group, in which he became one of the most influential figures in the ETF world by helping the funds grow globally and become a $4.7 trillion market.
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This is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence, click here.
Automakers are on the verge of a prolonged period of rapid change to the way they do business, thanks to the combined disruptive forces of growing on-demand mobility services and self-driving cars, which will start to come to market in the next couple of years.
By the end of 2019, Google spinoff Waymo, Uber, and GM all plan to have fleets of autonomous cars deployed in various US cities to provide on-demand rides for passengers. By eliminating the cost of the driver, these rides are expected to be far cheaper than typical Uber or Lyft rides, and even cheaper than owning a car for personal transportation.
Many industry experts are predicting that such cheap on-demand autonomous rides service will result in a long-term decline in car ownership rates — PwC predicts that the total number of cars on the road in the US and EU will drop from 556 million last year to 416 million in 2030.
This decline in car ownership represents an enormous threat to automakers’ traditional business models, forcing them to find alternative revenue sources. Many of these automakers, including GM, Ford, and Daimler, have plans to launch their own on-demand ride-hailing services with fleets of self-driving cars they will manufacture, potentially giving them a new stream of recurring revenue. This could set them up to take a sizeable share of a market that is expected to be worth trillions by 2030.
However, competing in the on-demand mobility market will pit legacy automakers against ride-hailing services from startups and tech giants that have far greater experience in acquiring and engaging consumers through digital channels. To succeed in what will likely be a hyper-competitive market for urban ride-hailing, automakers will have to foster new skill sets in their organizations, and transform from companies that primarily produce vehicles to ones that also manage vehicle fleets and customer relationships.
That will entail competing with startups and tech giants for software development and data science talent, as well as reforming innovation processes to keep pace with digital trendsetters. Automakers will also need to create unique mobile app and in-car experiences to lure customers. Finally, these automakers will face many overall barriers in the market, including convincing consumers that self-driving cars are safe, and dealing with a complex and evolving regulatory landscape.
In a new report, Business Insider Intelligence, Business Insider's premium research service, delves into the future of the on-demand mobility space, focusing on how automakers will use fleets of self-driving vehicles to break into an emerging industry that's been dominated thus far by startups like Uber and Lyft. We examine how the advent of autonomous vehicles will reshape urban transportation, and the impact it will have on traditional automakers. We then detail how automakers can leverage their core strengths to create new revenue sources with autonomous mobility services, and explore the key areas they'll need to gain new skills and capabilities in to compete with mobility startups and tech giants that are also eyeing this opportunity.
Here are some of the key takeaways:
In full, the report:
Hecklers interrupted former President Barack Obama multiple times during a speech at his campaign rally in support of the Democratic gubernatorial candidate, Andrew Gillum on Friday.
"Listen, here's the deal," Obama said after he was interrupted. "If you support the other candidates, then you should go support the other candidates."
"One of the things I never understood was, why, if you're supporting the other guy, you come to my rally," Obama asked amid cheers from the crowd. "Go to their rally. Go talk about what you're for. Don't come hollering here."
Obama's supporters drowned out shouts from hecklers by chanting "bring it home," the catchphrase Gillum, who is also the mayor of Tallahassee, called up on the campaign trail.
"You know what, it's an old playbook," Obama said after another protester interrupted him. "It's one that the powerful and privileged turn to whenever control starts slipping away."
"They'll get folks riled up just to protect their power and their privilege, even when it hurts the country, even when it puts people at risk," Obama said.
"It's as cynical as politics gets. But in four days, in four days Florida, you can reject that kind of politics."
Obama campaigned in Miami to support Florida Democrats for the November 6 midterm election — among those candidates: gubernatorial candidate Andrew Gillum and Sen. Bill Nelson, who is vying for a Senate seat in the state.
Speaking to a crowd of around 3,000 people, Obama also took shots at President Donald Trump by accusing him of "lying" and "fear-mongering."
Meanwhile, Trump was out on a campaign trail of his own, hitting multiple states in the final days leading up to the Tuesday election. Trump took a rhetorical swing at Obama on Friday, claiming his predecessor had "a very small crowd."
Trump, who is repeatedly called out for an unprecedented number of falsehoods and misleading statements, accused Obama of being dishonest. "Unlike President Obama," Trump said, "we live under a different mantra. It's called promises made, promises kept."
One estimate shows that least 20 million people have voted in the election, with some states' early voting numbers on track to exceed the 2014 election, CNN reported.
This election cycle has already set a new financial record, with campaigns and groups expected to spend over $5.2 billion, according to a study cited by CNBC.
The biggest game of 2018, "Red Dead Redemption 2," may be the most detailed game I've ever played.
It's certainly the most detailed game I've played since the last project from Rockstar Games, "Grand Theft Auto 5."
The simple act of walking through mud in "Red Dead 2" becomes a sight to behold. Fighting in it — during a light rain, no less — can be downright distracting:
Each individual footstep shows up in the mud, quickly filled by nearby puddles and topped-up by the rain.
I spent more time than I'm willing to admit simply staring at the mud. How could it be so detailed? How could there possibly have been this much attention lavished on the ground?
Those stop and gawk moments were frequent while playing through "Red Dead Redemption 2" over the last week. It's a game that, even after dozens of hours, continues to surprise me.
Here's just some of the craziest, most impressive stuff I've seen:
1. Let's start with the bear head hat.
There are quite a few hats in "Red Dead Redemption 2," and even more outfit combinations. That's to be expected in any blockbuster, character-driven game in 2018. Who doesn't want to play dress up?
What's not so expected is this outrageous bear head hat, which is a bear's head— a bear you'll kill in a relatively early mission. This hat is almost certain to become yours.
After taking the bear skin to a trapper, he'll offer to buy your legendary bear skin. In an instant, he turns that skin into a handful of different clothing items. The one I purchased immediately, of course, was the bear head hat you see above. It looks exactly like the bear I shotgunned in a panic.
2. Your outfit, including the bear head hat, shows up in every cutscene.
No matter how serious the moment, whatever silly outfit you're wearing is the outfit your character will wear in cutscenes. This is no small thing — most games don't bother with this level of consistency.
And that's just the beginning.
3. If you're muddy from riding through mud, you'll appear dirty and people will react accordingly.
The main character, and the one you'll control throughout "Red Dead 2," is Arthur Morgan. If you get into a fight in the mud as Arthur, he'll get extremely muddy. When he walks into a bar, people will comment on his smell and demeanor. When he appears in a cutscene, he'll appear as a mud-covered maniac.
There's a level of detail consistency throughout the game that's subtle at first, and becomes almost overwhelming as the game goes on.
See the rest of the story at Business Insider
It's 2018, which means this list has three smartphones that cost $1,000 or more.
Fortunately for many of you, however, a massive, four-figure price tag doesn't necessarily make a phone the obvious choice. There are a bunch of sub-$1,000 smartphones that you should consider for their designs, performance, and value.
Check out our list of the top 20 smartphones you can buy right now:
20. BlackBerry Key2
The BlackBerry Key2 is arguably the most unique smartphone on this list because of its physical keyboard. The trade-off here is you sacrifice some screen space to make way for the keyboard. That might appeal to some BlackBerry enthusiasts, but not so much to regular smartphone users.
19. Motorola Moto Z3
On it's own, the Moto Z3 is a fairly basic smartphone that boasts a nice, slim design. You can attach some of Motorola's "Moto Mods" to give it some extra features that you wouldn't find on any other smartphone, like a projector, an extra loud speaker, or a larger battery pack.
The flagship Moto Mod is a 5G module that will let the Moto Z3 connect to Verizon's 5G network, which should offer blisteringly fast data speeds. The only problem is that Verizon's 5G network will be limited to a few cities, including Los Angeles, Houston, Sacramento, and a city that has yet to be announced, when the 5G Moto Mod is released in early 2019.
18. Moto G6 Plus
Every time I check out a new Moto G smartphone, I question why I pay so much for the high-end flagships. There was no exception when I checked out the Moto G6. When it boils down to it, Motorola's "G" series smartphones do everything I need a smartphone to do for a fraction of the price I usually pay for a new smartphone.
See the rest of the story at Business Insider
Millennials' money habits may not be as bad as their reputation suggests.
Known as the generation to "live in the now" and "live their best life," many millennials have a "treat yourself" mentality, according to Fidelity Investments' 2018 Millennial Money Study. In the survey, millennials were asked how often they "treat" themselves (defined as a purchase made to bring joy) — 86% said they treat themselves at least once a month, setting them back $110 a month on average.
But a "treat yourself" moment doesn't always equate to spending money recklessly.
"There are a lot of assumptions that millennials only live in the moment, but our research debunks that — they are balancing their current health and happiness with their financial futures," Brooke Forbes, senior vice president of digital planning and advice at Fidelity, said in the news release.
More than a quarter of millennials said that after a rough week, the thing that would bring them the most joy is some form of entertainment, such as going to the movies, happy hour, dinner, or a concert, according to the Fidelity report. This isn't surprising considering millennials tend to value experiences over ownership of things.
But seeing what their friends post on social media — whether it's sun-drenched photos from a recent vacation or drool-worthy dinner pics — is envy-inducing for some millennials. According to the survey, 63% of millennials said social media has a negative influence on their financial well-being.
Still, Forbes said, "Millennials deserve some credit: Many display strong financial habits, despite the magnified temptations they face daily thanks to social media."
Half of those surveyed by Fidelity said they're balancing spending now equally with saving for the future — and even more said saving for the future is as gratifying as treating themselves today.
Business Insider previously reported that millennials save more money than the national average, and Bank of America's Better Money Habits Millennial report revealed that more than half of millennials are saving — in fact, one in six have six figures tucked away. On top of that, nearly 75% stick to their budget.
Millennials even report being more dedicated to saving than older generations. Northwestern Mutual's Planning & Progress Study 2018 found that they were more likely than other generations to say they're "highly disciplined" or "disciplined" financial planners.
Specifically, more than half considered saving enough money for a milestone — marriage, college, or buying a house— their top financial priority.
NOW WATCH: 4 lottery winners who lost it all
This is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence, click here. Current subscribers can read the report here.
Fintech hubs — cities where startups, talent, and funding congregate — are proliferating globally in tandem with ongoing disruption in financial services.
These hubs are all vying to become established fintech centers in their own right, and want to contribute to the broader financial services ecosystem of the future. Their success depends on a variety of factors, including access to funding and talent, as well as the approach of relevant regulators.
This report compiles various fintech snapshots, which together highlight the global spread of fintech, and show where governments and regulatory bodies are shaping the development of national fintech industries. Each provides an overview of the fintech industry in a particular country or state in Asia or Europe, and details what is contributing to, or hindering its further development. We also include notable fintechs in each geography, and discuss what the opportunities or challenges are for that particular domestic industry.
Here are some of the key takeaways:
In full, the report:
It seems as though Justin Bieber and Hailey Baldwin are the latest celebrity duo to rock couple tattoos.
Famed celebrity tattoo artist Keith McCurdy, "Mr. K," of Bang Bang Tattoo confirmed to Page Six that Bieber officially has a new tattoo... and it's on his face. More specifically, according to McCurdy, that tattoo resides directly above his right eyebrow.
The theory, per Page Six, is that the nondescript cursive letters read "Grace."
"They each got a tattoo," McCurdy told Page Six. "Justin’s tattoo is on his face, and I haven’t seen any photos of it — so he’s doing a good job of laying low."
"It’s really thin and delicate. And [it’s] also not a traditional couples’ tattoo... I don’t want to give away what it is until press gets a hold of it," the artist added.
This isn't the first matching tattoo the couple has
In the summer of 2015, Bieber and Baldwin got matching "G" tattoos. According to Cosmopolitan, these tattoos were in honor of their pastor , Chad Veach's, daughter, Georgia, who was born with Lissencephaly, a rare condition characterized by a lack of folds in the brain.
Rihanna was the first to be tattooed at Bang Bang but many celebrities have followed suit
After Rihanna put Bang Bang on the map, multiple celebrities have gone to the distinguished artist. Recently, Mr. K posted a photo of Jonas and Turner's wrists side by side, revealing their newest set of matching ink.
Jonas' wrist reads "To infinity," while Turner has "& beyond"— apparently a nod to Buzz Lightyear's famous line from "Toy Story."
But according to McCurdy, it might just be that we're paying more attention. "I don’t know if more couples are doing it now, but I do think the media's taking more notice. Now they'll get these tattoos, and there’ll be 1,000 articles about them... People are really curious about these tattoos and their meanings," he told Page Six.
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Novak Djokovic just beat Roger Federer in a three hour epic in Paris.
Federer came agonisingly close to snapping his old rival's winning streak, but Djokovic held his nerve in the Paris Masters semifinal to make it 22 wins in a row.
A meeting between Djokovic and Federer represented two of the greatest talents in tennis — both current, and historically-speaking.
The match promised much, and delivered from the off as Djovovic gave fans a glimpse of what was in store in the very first set, needing 71 minutes to overcome Federer 7-6(8-6).
In Djokovic's own words to Sky Sports, the pair went "toe-to-toe" as Federer showed extraordinary quality in keeping the match so close against the sport's most in-form player. This was a match between two heavyweight greats of the game, and they slugged it out like they were Muhammad Ali and Joe Frazier.
Federer's classic one-handed point-winners, and the incredible accuracy from Djokovic, who smashed irresistible forehands from range, combined to make this must-see TV.
Watch an awesome Federer shank shot below:
And see Djokovic's precision right here:
Federer came back in the second set winning 5-7, but lost the third 7-6(7-3) with a double fault near the death costing him a place in Sunday's final.
Watch Djokovic win below:
"When you lose a close match like this you always have regrets," Federer, who remains one title shy of 100 career trophies, told the crowd, according to the Washington Post. "Losing is never fun, so that’s why I guess I have this face right now."
Djokovic told Sky Sports: "It was a spectacular match and one of the best of my career against him."
Djokovic now progresses to the Paris Masters final and will play Karen Khachanov, an athlete he beat on his path to the 2018 Wimbledon Championships title.
In a Saturday morning series of Tweets, Ariana Grande confirmed the name of her next album will be "Thank U, Next," a phrase that the singer previously used to diss her ex-fiancé Pete Davidson.
When a fan asked, "Is thank u, next gonna be the last track of the album?" Grande responded with, "Yes."
According to the singer's tweet, fans can also expect a new song to come before the album.
issa song and an album .... you’ll get the song first https://t.co/Bv99dX7mM1— Ariana Grande (@ArianaGrande) November 3, 2018
If her new album's title wasn't clear enough, the singer ended the Twitter-palooza with a "anyway ... thank u, next"
anyway ...... thank u, next— Ariana Grande (@ArianaGrande) November 3, 2018
The title wasn't the only thing the singer was willing to share about her new album.
In a Twitter thread, Grande shared what read a lot like lyrics. Although, she hasn't confirmed what the lyrics allude to or if their even lyrics, it's easy to suspect the song, and perhaps entire album, will concern her recent breakup.
cause look what i found .... ain’t no need for searching and for that i say.... thank u, next— Ariana Grande (@ArianaGrande) November 2, 2018
got so much love..... got so much patience..... i’ve learnt from the pain .... and turnt out amazin.... say i’ve loved and i’ve lost..... but that’s not what i see cause look what i got.... look what u taught me— Ariana Grande (@ArianaGrande) November 2, 2018
and for that i say ....... thank u, next— Ariana Grande (@ArianaGrande) November 2, 2018
In a different Twitter thread, the singer hinted at what is possibly more lyrics.
cause her name is Ari .... n i’m so good w thaaaat— Ariana Grande (@ArianaGrande) November 3, 2018
n how she handles pain .... that shits amazin— Ariana Grande (@ArianaGrande) November 3, 2018
The title of the album seems to be a reference to an earlier Tweet by Grande
On November 1, in a series of now-deleted Tweets, the popstar appeared to chastise Davidson after he joked about their failed engagement.
"For somebody who claims to hate relevancy u sure love clinging to it huh," she wrote on Twitter. "thank u, next."
While Grande did not mention Davidson by name, many fans interpreted these tweets as a response to a joke he made in a new promo for the upcoming episode of "Saturday Night Live," in which he jokingly proposing to singer Maggie Rodgers. In the promo, when Rodger's denied the proposal, he responded with, "0 for 3"— a reference to his previous broken engagements.
On Saturday morning, however, Grande seemed to take a new approach toward the breakup tweeting"no drags... no shade... jus love, gratitude, acceptance, honesty, forgiveness ... and growth" followed by a black heart.
no drags.... no shade..... jus love, gratitude, acceptance, honesty, forgiveness ... and growth 🖤— Ariana Grande (@ArianaGrande) November 3, 2018
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The Internet of Things (IoT) is transforming how companies and consumers go about their days around the world. The technology that underlies this whole segment is evolving quickly, whether it’s the rapid rise of the Amazon Echo and voice assistants upending the consumer space, or growth of AI-powered analytics platforms for the enterprise market.
And Business Insider Intelligence is keeping its finger on the pulse of this ongoing revolution by conducting our second annual Global IoT Executive Survey, which provides us with critical insights on new developments within the IoT and explains how top-level perspectives are changing year-to-year. Our survey includes more than 400 responses from key executives around the world, including C-suite and director-level respondents.
Through this exclusive study and in-depth research into the field, Business Insider Intelligence details the components that make up the IoT ecosystem. We size the IoT market and use exclusive data to identify key trends in device installations and investment. And we profile the enterprise and consumer IoT segments individually, drilling down into the drivers and characteristics that are shaping each market.
Here are some key takeaways from the report:
In full, the report: