• Nashville just emerged a winner from Amazon's drawn-out HQ2 competition.
• The capital of Tennessee didn't land an HQ2 location like Arlington, Virginia, and Long Island City, New York.
• But Nashville will be the location of a new Amazon operations hub that is set to bring about 5,000 new jobs.

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NOW WATCH: Kesha held a secret concert to prove that 'no one will ever shut me up'

• Amazon just announced it's building "HQ2" in two locations — Northern Virginia and New York City.
• As part of the contracts between Amazon and the two cities, the cities are required to assist Amazon in obtaining federal approval to build helipads at each location. 
• Amazon added that in the case that a helipad cannot be built on the New York location, the city "will assist the Company in securing access to a helipad in an alternative location in reasonable proximity to the Development Sites."

If Amazon's "HQ2" causes the traffic nightmares that some are speculating about, Jeff Bezos probably won't notice — he'll be arriving via helicopter and landing on a helipad that Amazon required the city to help secure. 

Amazon announced Tuesday that it will be splitting its second "headquarters" between northern Virginia and Long Island City, New York. The company will receive billions of dollars in tax breaks from both cities, but that didn't quite seal the deal. In the agreements signed by Amazon and the two respective cities, the online retailer is requiring public assistance from Virginia and New York in securing federal approval for helipads on both sites. 

The contract with Virginia contains the following clause, titled "Other Project"

The Commonwealth will provide assistance to the Company in its efforts to obtain Eligible County, Commonwealth and Federal approvals required for the development, construction, and operation (at the Company’s expense) of a helipad at the Facility.

Amazon seemed to realize that securing a helipad in New York City might be a little more tricky, and went into further detail about what it expects from New York:

If the Public Parties and the Company mutually agree that an onsite helipad is not feasible, the Public Parties will assist the Company in securing access to a helipad in an alternative location in reasonable proximity to the Development Sites. Any new construction would be at the Company’s sole expense, and, in order to minimize disruption to the surrounding communities, the Company agrees to: (i) limit flights and landings to corporate use by the Company; (ii) cooperate with the Public Parties in selecting the least disruptive feasible location on the Development Sites; (iii) restrict landings to no more than 120 per year; and(iv) require that all flights be exclusively over water or the Development Sites, to the extent consistent with applicable laws, rules and regulations.

If Amazon can't have a helipad directly on its New York site, it will settle for the "least disruptive" nearby location, and promises to use the helipad no more than 120 times per year. 

SEE ALSO: Arlington, Virginia, lured in Amazon with promises of a helipad and a cash grant of up to $550 million

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NOW WATCH: A running coach explains how to get through the NYC marathon this weekend

A top-of-the-line Norwegian warship collided with a tanker last week, causing the crew to intentionally run the ship aground to try to save it. But the ship unexpectedly sunk overnight, the latest images show.

The 5,000-ton frigate was part of a NATO fleet operating in the Atlantic prior to the collision.

The Norwegian Nansen-class frigate KNM Helge Ingstad collided with the massive Maltese oil tanker Sola TS last Thursday in Hjeltefjorden as it returned home from the Trident Juncture war games, NATO's largest joint military exercises in decades.

Source: AFP

The crippled ship was intentionally run aground to prevent it from sinking into the sea. All 137 crew members were evacuated. Eight people were injured, but unlike the tragic collisions involving the US Navy destroyers USS Fitzgerald and USS John McCain, there were no fatalities.

The Norwegian navy said Monday that the damaged vessel had been secured to the shore with steel wires fixed to multiple anchor points.

• Google set up a new healthcare unit called Google Health last week, and appointed healthcare executive David Feinberg to lead it.
• Google Health will fold in the healthcare arm from its British artificial intelligence lab DeepMind.
• DeepMind's healthcare unit produced Streams, an app to improve patient healthcare. But that app did not use AI. 

Google is moving quickly to reorganise its efforts in healthcare, creating a new unit called Google Health and folding in the healthcare arm from its DeepMind AI subsidiary.

DeepMind Health will become part of Google Health. The reorganisation comes just four days after Google announced it was hiring big-name healthcare CEO David Feinberg to head up its healthcare initiatives.

The company's founders, Mustafa Suleyman and Demis Hassabis, wrote in a blog post that the change was a "major milestone" for the unit, and that it would mean DeepMind's Streams app, which aims to improve patient care, would be put into practice. Notably, Streams is not itself AI-powered. 

See also: Google's DeepMind AI can accurately detect 50 types of eye disease just by looking at scans

The founders wrote wrote: "It’s been a phenomenal journey to see Streams go from initial idea to live deployment, and to hear how it’s helped change the lives of patients and the nurses and doctors who treat them.

"The arrival of world-leading health expert Dr. David Feinberg at Google will accelerate these efforts, helping to make a difference to the lives of millions of patients around the world."

The move may cause some consternation.

Streams was at the centre of some controversy in 2017 when the UK's data watchdog ruled that a British hospital hadn't taken enough care when sharing patient data with DeepMind early in the app's development. The watchdog did not stop DeepMind from continuing to use or develop Streams. But privacy campaigners worry that DeepMind's ultimate parent firm Google, whose core business model relies on data, may try and suck up patient information to benefit its bottom line.

DeepMind had set up an independent board to probe its approach to privacy and its business model, in part to address those concerns. A spokeswoman confirmed the board was unlikely to continue after the consolidation.

Streams isn't the only product from DeepMind's healthcare team, which also has various research projects underway such as the use of artificial intelligence to detect eye disease, and planning cancer radiotherapy treatment. Suleyman said the team behind Streams would remain in London and report to the DeepMind health team's clinical lead, Dominic King.

DeepMind said it was still committed to its existing partnerships and research projects with UK hospitals. "Information governance and safety remain our top priorities," the founders wrote. "Patient data remains under our partners’ strict control, and all decisions about its use will continue to lie with them."

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NOW WATCH: Watch Apple's October 2018 event in 8 minutes

• JetBlue launched a two-day holiday flash sale on Tuesday with tickets to all destinations 20% off.
• All sale tickets must be booked by 11:59 pm ET on Wednesday, November 12. The tickets on must be for travel between November 27 and December 12, 2018. 
• Flights on Friday and Sunday are not eligible for the discount. 

JetBlue launched a two-day holiday flash sale on Tuesday with tickets to all destinations 20% off. The New York-based airline is calling the event "The Holidazed Sale."

Even though the holiday season is most famous for heavily discounted retail, airlines have entered the fray in recent years with massive fare sales. 

However, there are few hoops you have to jump through before you can access the sale prices. First, the discount is not available on the JetBlue website's main booking page. Instead, you have the alternate "promo" page where you enter the promo code HOLIDAZED. 

Once the code has been entered, a 20% discount will be applied to the base fare of a one-way or round-trip ticket. Sadly, the discount doesn't cover taxes and fees. 

Read more: Airlines are joining in on Black Friday with major flight sales.

A sample itinerary between New York's JFK International Airport and Los Angeles International Airport showed the discount dropped the price of a round-trip ticket down from $284.44 to $233.21, a savings of $51.23. 

All sale tickets must be booked by 11:59 pm ET on Wednesday, November 12. The tickets on must be for travel between November 27 and December 12, 2018. 

The discount does not apply to the airline's Mint premium cabin and JetBlue vacation packages. 

In addition, flights on Friday and Sunday flights are not eligible.

In October, JetBlue held a Halloween flash sale with one-way tickets going for as little of $31. The airline's flash sale in August offered one-way tickets for just $34. 

SEE ALSO: The 10 best airlines in the world for 2019

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NOW WATCH: Why you shouldn't be afraid to fly, according to a pilot with over 20 years of experience

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There's mounting evidence that the stock market will make an extreme move higher before the year ends — here's where to invest now

It may not look likely right now, but the stock market is poised for a big rally into the end of the year, according to Bank of America Merrill Lynch.

In fact, the firm's strategists hold this conviction precisely because of the turmoil that has rocked stocks over the past several weeks. Investors hold painful memories of October because three of the most painful crashes ever — in 1929, 1987, and 2008 — happened then. And last month turned out to be the worst for stocks in seven years.

"October is known for sharp market declines, but also known for creating market lows that lift stocks into a year-end rally," Mary Ann Bartels, an investment and exchange-traded-fund strategist, said in a note. "We believe that the holiday rally is underway."

Amazon officially announces its HQ2 will be split between New York and Virginia

Amazon has finally, officially made a decision.

The company on Tuesday announced it would split its second-headquarters project, which it calls HQ2, in two. The two locations — the Long Island City neighborhood of Queens, New York, and the newly formed National Landing area of Arlington, Virginia — will each get roughly half of the 50,000 employees promised and half of the promised investment, the company said.

"We are excited to build new headquarters in New York City and Northern Virginia," Amazon CEO Jeff Bezos said in a statement. "These two locations will allow us to attract world-class talent that will help us to continue inventing for customers for years to come. The team did a great job selecting these sites, and we look forward to becoming an even bigger part of these communities."

UK, EU negotiators have agreed to a Brexit deal

UK and EU negotiating teams have agreed on a Brexit withdrawal deal which Prime Minister Theresa May will present to her Cabinet on Wednesday.

The UK government has confirmed reports that May's most senior ministers will read the details of the draft agreement this evening before a special Cabinet meeting at 14:00 (GMT) on Wednesday.

An agreement between the UK and EU over how to prevent a hard border on the island of Ireland as a result of Brexit was reached during intensive negotiations held on Monday and Tuesday, sources told BI.

Brexit talks had been at an impasse for weeks over the question of how a hard border between Northern Ireland and the Republic can be avoided no matter what the outcome of negotiations.

In markets news

• Morningstar's $207 billion CIO breaks down why investors have 'significantly overpaid' for the biggest tech stocks — and explains what they should be doing with their money instead

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NOW WATCH: The economist that predicted the housing crisis warns the Fed is engaging in behavior that's almost always caused a recession

Michelle Obama's memoir, "Becoming," was released Tuesday and is chock full of never-before-heard stories from the former first lady's childhood and eight years in the White House.

Obama is startlingly candid about a wide variety of topics, from her shock after learning that President Donald Trump had won the 2016 election to racists labeling her an "angry black woman."

There are plenty of heartfelt moments too, such as the kindness President George W. and first lady Laura Bush showed her after her husband was elected, and the time she and her daughter Malia "sneaked" out of the White House.

Obama's book, which Oprah has already selected for her book club, is on sale wherever books are sold Tuesday.

Here are some of the most interesting anecdotes Obama shares in the book:

• On what it felt like to become the first black first lady:"As the only African American First Lady to set foot in the White House, I was 'other' almost by default. If there was a presumed grace assigned to my white predecessors, I knew it wasn't likely to be the same for me. I'd learned through the campaign stumbles that I had to be better, faster, smarter and stronger than ever. My grace would have to be earned."
• Five-year-old Sasha was less than impressed with the White House when Michelle took her daughters on a tour in 2006, when Barack was a senator. When the tour guide said they were moving on to the Red Room, "Sasha looked up at [Michelle] and blurted, in the unquiet voice of an aggrieved kindergartner, 'Oh nooo, not another ROOM!'"
• After winning the 2008 presidential election, the Bush family invited the Obamas to the White House, as is tradition. Barack's favorite part of the tour was the gym, something he shared with President Bush.
• Michelle's favorite part of the tour was seeing her future dressing room, which offered a view of the Rose Garden and Oval Office. Laura Bush said Hillary Clinton "had shown her this same view when she'd first come to visit the White House eight years earlier. And eight years before that, her mother-in-law, Barbara Bush, had pointed out the view to Hillary." Michelle said looking out that window reminded her "that I was part of a humble continuum."

Read more:Melania Trump never reached out to Michelle Obama for advice on being first lady

• On her husband refusing the $100,000 in federal funds to move and redecorate the White House:"As long as I've known him, he's been this way: extra vigilant when it comes to matters of money and ethics, holding himself to a higher standard than even what's dictated by law. There's an age-old maxim in the black community: You've got to be twice as good to get half as far."
• Barack's advice to Malia and Sasha on their first day of school in DC:"Definitely don't pick your noses!"
• They blasted Beyoncé in the presidential limo after walking the parade route during Barack's first inauguration.
• On how the custom Jason Wu gown she wore to her first Inaugural Ball made her feel ready to take on the role of first lady:"The dress resurrected the dreaminess of my family's metamorphosis, the promise of this entire experience, transforming me if not into a full-blown ballroom princess, then at least into a woman capable of climbing onto another stage. I was now FLOTUS—First Lady of the United States—to Barack's POTUS. It was time to celebrate."
• She found life in the White House patriarchal:"Barack was now surrounded by people whose job was to treat him like a precious gem. It sometimes felt like a throwback to some lost era, when a household revolved solely around the man's needs, and it was the opposite of what I wanted our daughters to think was normal."
• Bo and Sunny, the family's two dogs, acted as surrogates of sorts for Malia and Sasha:"Knowing that Malia and Sasha were basically off-limits, the White House communications teams began requesting the dogs for official appearances ... They made excellent ambassadors, impervious to criticism and unaware of their own fame."
• Her reaction when Trump first announced his candidacy, in a press conference during which he called Mexican immigrants "rapists":"I figured he was just grandstanding, sucking up the media's attention because he could. Nothing in how he conducted himself suggested that he was serious about wanting to govern."
• The Queen of England had a sassy remark when she urged Michelle to sit next to her on the drive back to Windsor Castle during their last meeting, even though they were told her husband would get that seat: "'Did they give you some rule about this,' [the Queen] said, dismissing all the fuss with the wave of her hand. 'That's rubbish. Sit wherever you like.'"
• On why she decided to give a speech in favor of presidential nominee Hillary Clinton at the 2016 Democratic National Convention:"Since childhood, I'd believed it was important to speak out against bullies while also not stooping to their level. And to be clear, we were now up against a bully, a man who among other things demeaned minorities and expressed contempt for prisoners of war, challenging the dignity of our country with practically every utterance."
• On Trump's "grab them by the p---y" tape: "My body buzzed with fury after hearing that tape," she said, adding that she decided to address it directly at a speech for Clinton the following week. "I felt compelled to try to address Trump's words directly—to counter his voice with my own."

• Michelle says she's baffled at how women supported Trump in the election:"I will always wonder about what led so many women, in particular, to reject an exceptionally qualified female candidate and instead choose a misogynist as their president."

SEE ALSO: Michelle Obama said she 'stopped even trying to smile' at Trump's inauguration

DON'T MISS: Michelle Obama opens up about the first time she saw Barack and what their first kiss was like

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NOW WATCH: Trump once won a lawsuit against the NFL — but the result was an embarrassment

• Amazon announced on Tuesday that it will split its second headquarters project, which it calls HQ2, in two with locations in Queens, New York, and Arlington, Virginia.
• Jeff Bezos bought a residential property in the Kalorama neighborhood of Washington, DC, for $23 million in 2016.
• The two structures on the property have nearly 27,000 square feet of living space — it's the largest home in Washington, DC.
• Bezos is said to be spending $12 million to renovate the homes and the surrounding property.
• The new mansion will have a ballroom, a whiskey cellar, elevators, a garden room, 11 bedrooms, and 25 bathrooms. 

Amazon announced on Tuesday that it will split its second headquarters project, which it calls HQ2, in two with locations in Queens, New York, and Arlington, Virginia.

In 2016, Bezos paid $23 million in cash for a property in DC's exclusive Kalorama neighborhood, home to the Obamas as well as Ivanka Trump and Jared Kushner. It's less than six miles from the future site of Amazon's offices.

Bezos is said to be spending $12 million to renovate the homes and the surrounding property. 

While the property doesn't appear to offer much privacy in the front — it was the site of the Textile Museum for about a century — it includes two separate structures with nearly 27,000 square feet of living space and a spacious backyard.

The larger of the two homes, the Wood House, will be for entertaining guests, while the Pope House will serve as the family's living quarters when they're in town. The Bezos' home base is in Medina, Washington — a secluded, 5.3-acre compound on the shores of Lake Washington.

The renovation plans were approved in September 2017 and are now underway. Below, check out the floor plan of Bezos' future mansion in Washington, DC.

SEE ALSO: Jeff Bezos is so rich that spending $1 to the average person is like $88,000 to him — here's what spending looks like when you're a billionaire

DON'T MISS: Jeff Bezos, the richest person in the world, thinks it's possible to blow through his entire $131 billion fortune — and he has one big purchase he plans to spend it on

The property comprises two buildings plus a garage with staff quarters, a garden pavilion, and an attached garden room.

The Washingtonian got its hands on the blueprints for Bezos' home renovation earlier this year, and Business Insider used them to create these floor plans. The architecture firm overseeing the expansion, Barnes Vanze, specializes in historic restoration.

The plans show that the lot size is 34,000 square feet and has two structures, which made up the former Textile Museum, connected by a second-story walkway. Both structures were built in the early 1900s and are part of the National Register of Historic Places.

According to the plans, the existing driveway will be widened and restored, and the curb will be replaced with granite. "Privacy plantings" will be added to the perimeter of the property as well.

In the backyard, a new terrace will be added off the back of the Wood House with a "garden room" linking the two. Behind the Pope House, a wooden pergola and existing fountain will be restored. At the back of the lot there's a new garden pavilion that will have a gas fireplace. A pathway leads to a one-bedroom house for the property's caretaker that sits above a two-car garage.

The Pope House will be the family's private living quarters.

The Pope House was designed by and named for John Russell Pope, the architect behind the Thomas Jefferson Memorial.

On the left side of the property and standing three stories tall, this home will be the Bezos' main living quarters, according to the Washingtonian. Plans were publicly available for only the lower level, so it's possible other floors aren't being renovated now.

A huge lounge with a bar is the main event on the lower level, in addition to a whiskey cellar (complete with drying racks), an adjacent wine room, and a large kitchen.

Upstairs, there appear to be multiple bedrooms, an exercise room, a TV room, and a kitchenette. The house has a total of 10 bathrooms.

The Wood House will be used for entertaining.

The Washingtonian said Bezos and his wife, Mackenzie, would most likely use the Wood House for "A-level socializing," describing it as the "party pad of epic proportions."

A nearly 1,500-square-foot ballroom takes up one side of the main level and rises two stories. A new limestone fireplace, staff bar room, and promenade with a balcony overlooking the space add to the grandeur.

On the other side, a spacious living room and a gallery lined with windows looking out to the front of the property are separated by another set of stairs. Visitors can also opt for the nearby elevator.

• Hate crimes overall increased by 17% in 2017, while anti-Jewish crimes increased by 37%, according to a new FBI report.
• Anti-Jewish attacks have consistently been the highest proportion of religiously-motivated hate crimes since they were first collected and reported.
• The numbers support a noted increase in anti-Semitic hate crimes reported by the Anti-Defamation League earlier this year.

Hate crimes increased by 17% in 2017, while anti-Jewish hate crimes increased by 37%, according to figures released by the Federal Bureau of Investigation (FBI) on Tuesday.

The numbers come on the heels of the shooting at the Tree of Life Synagogue, which is believed to be the deadliest anti-Semitic massacre in US history. The attack highlighted anti-Semitism that appeared to be fomenting in online extremist spaces, but the new numbers provide evidence for what was a perceived increase in anti-Semitic sentiments across the country.

In 2016, anti-Jewish hate crimes increased by 3%, and in 2015, they increased by 9%. Since the beginning of the FBI Hate Crime Statistics report, Anti-Jewish crimes have composed the majority of crimes that targeted a specific religion. In 2017, the 938 reported incidents composed 58.1% of hate crimes targeting a certain religion. Anti-Jewish hate incidents were 13% of all hate crimes targeting all groups.

Evidence of a trend

The new data support findings from the Anti-Defamation League (ADL) that found a 57% increase in anti-Semitic incidents in 2017. The ADL said a significant portion of the increase was due to "incidents in schools and on college campuses, which nearly doubled for the second year in a row." The ADL has consistently recorded higher levels of anti-Semitic incidents than the FBI, but both showed a historically significant increase in 2017.

Both sources lend evidence to the theory that anti-Semitism is experiencing a resurgence in American culture, which some connect to President Donald Trump. 

Read more: Most Americans think Trump has encouraged white supremacists, and some are worried he has become a 'legitimizing voice' for hate groups

Shortly after the Tree of Life shooting, a poll from the Public Religion Research Institute found that 54% of 2,509 adults from all 50 states believed that Trump's decisions and behavior have encouraged white supremacist groups.

In the wake of the Tree of Life shooting, Trump was criticized for creating alarm around the migrant caravan heading towards the US border, which conspiracy theorists connected to Jewish groups. Before attacking Tree of Life, Robert Bowers posted on extremist social media site Gab that he was enraged that a Jewish group was bringing "invaders that kill our people."

In 2016, Trump was criticized for defending white nationalist, anti-Semitic protesters in Charlottesville, Virginia who rallied around the cry "Jews will not replace us!" After one person was killed, Trump held a press conference in which he blamed the ralliers and counterprotesters for the violence, despite the killer being a self-described neo-Nazi, according to The Washington Post. "You also had some very fine people on both sides,"said Trump.

Other findings

The FBI's newly released data also revealed a 17% increase in hate crimes overall, which totalled 7,175 incidents in all.

Racially-motivated incidents saw an 18% increase, with nearly 300 more crimes against African Americans than in 2016.

Hate incidents targeting sexual orientation increased by 5%, while the number of anti-trans incidents reportedly stayed the same.

SEE ALSO: 'MAKE FRANCE GREAT AGAIN!': The Trump-Macron bromance appears dead as Trump launches into tirade against the French leader

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NOW WATCH: This mind-melting thought experiment of Einstein's reveals how to manipulate time

An inventor's treasure trove lies tucked away in a remote part of Brooklyn. 

New Lab, in the Brooklyn Navy Yard, is an oasis for artists, engineers and entrepreneurs, serving as a hub where they can quickly mockup products and test their ideas. 

The two-year-old New Lab, which is the home to over 100 NYC startups today, was once Building 128, a machine shop that created parts for ships used in both World Wars, and had since fallen into disrepair.

New Lab's creators, David Belt and Scott Cohen, turned the 84,000 square-foot facility into a space that would help the entrepreneurs make their ideas into physical products.

Today, the site houses a 3D printing lab, laser cutters, wood and metal shops, a fabrication shop, an electronics shop, and casting and finishing equipment. This full set of equipment, worth $5 million total, gives creators everything they need to develop a working prototype.

The shops also come staffed with experts and resources that can help creators learn and troubleshoot. In addition to being a one stop shop for product development, New Lab also serves as a platform where startups can collaborate with each other and seek partnerships with larger companies. 

Since its inception, New Lab has attracted people working in disciplines like robotics, artificial intelligence, nanotech, environment, energy, biotech, and urban design. 

Take a look inside the immaculately designed New Lab, with mini museums and innovation showcases around every corner and vibrant colors that pop when contrasted against the building's steel skeleton. 

SEE ALSO: Take a look inside Johnson & Johnson's new startup incubator in NYC's SoHo neighborhood, that feels more like a rustic-chic coffee shop with jewel-toned couches

New Lab has four levels. A visual map is available to visitors when they first walk in.

The first floor holds mainly conference rooms, open desks, and event spaces. It also has a few private studios further from the entrance.

Stationed in the center is a tiny, 3D printed 'mini-museum' that explains the theory of perpetual motion.

• WealthyNew Yorkers are paying professional dog walkers to take their dogs on day-long hikes upstate, The New York Times reported.
• Dog walkers from companies such as My Dog Hikes and Kristi's Kanines pick up the pooches from their SoHo or Upper West Side homes in a special, dog-equipped SUV and drive them to designated hiking areas so they can get some fresh country air.
• These day-long hikes typically cost between $85 and $130.

New York City dogs may have less space to stretch their legs than country dogs, but they just might be some of the most pampered pups in the country.

Wealthy New Yorkers are paying professional dog walkers from companies including My Dog Hikes, NYC Doggies, and Kristi's Kanines to take their dogs on day-long hikes upstate, as The New York Times reported. These hikes typically cost between $85 and $130.

With My Dog Hikes, which calls itself "New York City's #1 Rated Dog Nannies," the dogs are picked up in the morning between 8:30 and 10:30 a.m. in an SUV specially equipped for dogs. The dogs are strapped into seatbelts and then driven up to an hour and 10 minutes to one of the company's "curated hiking areas" in upstate New York, New Jersey, Connecticut, and Pennsylvania, according to its website. 

Each dog is placed with other dogs in a "pack," which is carefully selected based on each pup's personality.

The hike lasts about five hours, after which the walkers drop off the dogs back at home in the city between 4:00 and 6:30 p.m.

"For city dogs who live in this very controlled, sterile environment, there's a lot of doggy impulses they have, but can never exhibit,” Jennifer Wheeler, an owner of NYC Doggies, told the Times. "It's good physically, but it's even better psychologically for them to be off leash in nature, having a sensory experience. Not only do they transform on the hikes, but they become better adjusted to city life."

SEE ALSO: 4 companies that give staff paid time off when they get a puppy

DON'T MISS: The rich are richer than they've ever been — and it's reflected in the private help they hire for their families, from stewards for their yachts to separate nannies for each kid

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NOW WATCH: There's so much CO2 in the atmosphere that planting trees can no longer save us

• White House chief of staff John Kelly has reportedly been butting heads with First Lady Melania Trump and might be leaving his position soon as a result. 
• The first lady reportedly told her husband that Kelly refused to promote some of her aides, prompting Trump to tell his chief of staff to give his wife what she wants.
• A spokeswoman for the first lady told INSIDER that Kelly and Melania have "a very positive relationship." 

White House chief of staff John Kelly has reportedly been butting heads with First Lady Melania Trump and might be leaving his position soon as a result. 

Kelly has angered the first lady over staffing and travel issues, according to NBC News, which has apparently enraged President Donald Trump. 

The first lady reportedly told her husband that Kelly refused to promote some of her aides, prompting Trump to tell his chief of staff to give his wife what she wants. Trump allegedly told Kelly, "I don't need this s--t." 

Read more: Trump has reportedly tried to fire John Kelly, but fails because he usually uses Kelly to fire people

But a spokeswoman for the first lady rejected any suggestions Kelly and Melania do not have a good relationship. 

"The East Wing is very focused on the First Lady’s initiatives and works independently. However, we do collaborate on a variety of projects and work alongside many departments within the West Wing. We have a very positive working relationship," Stephanie Grisham told INSIDER. 

There have been numerous reports in recent months claiming Kelly's departure is imminent. Trump sought to shoot down these ongoing rumors in a bizarre, free-wheeling interview with New York Magazine last month. 

"General Kelly's doing a very good job," Trump said at the time. "We have a very good relationship. The White House is running very, very smoothly."

The White House did not immediately respond to a request for comment from INSIDER. 

Join the conversation about this story »

NOW WATCH: Megyn Kelly in 2017: 'I regret a lot' of the controversial stuff I've said on live television

• Oil prices fell for a 12th straight day Tuesday — the longest losing streak on record.
• President Donald Trump has recently pushed back against Saudi Arabia's plans to increase production.
• Last week, US production hit a record 11.6 million barrels per day.
• Watch oil trade live.

Oil prices fell for a 12th straight session Tuesday, the longest streak on record, after President Donald Trump pushed back against Saudi Arabia's plan to increase its output.

West Texas Intermediate crude oil, the US benchmark, and Brent crude oil, the international benchmark, were both down by about 4.3%, at $56.36 and $65.92 a barrel.

"Hopefully, Saudi Arabia and OPEC will not be cutting oil production,"Trump tweeted on Monday. "Oil prices should be much lower based on supply!"

Late Sunday, Saudi Arabia's energy minister, Khalid Al-Falih, told reporters in Abu Dhabi that the kingdom was going to reduce its oil production by about 500,000 barrels a day in December.  

Oil prices have tumbled into a bear market— down at least 20% from their October peaks — amid concerns of growing stockpiles. Earlier in November, the Trump administration granted eight countries temporary waivers from the sanctions it placed against Iran that were designed to cut off its oil from the rest of the world.

And data released last week by the Energy Information Agency showed US oil inventories climbed by 5.8 million barrels in the week to November 2, while production hit a weekly record of 11.6 million barrels per day.    

The oil market had already been under pressure since the beginning of October as trade tensions and concerns over rising interest rates weighed.

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NOW WATCH: 4 lottery winners who lost it all

This is a preview of the Internet of Things (2018) research report from Business Insider Intelligence. To learn more about the IoT ecosystem, tech trends and industry forecasts, click here.

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:

• 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.

In full, the report:

• 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.

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• Charity is part of the missions of some of the biggest companies in the US.
• In 2017, donations to charity reached an all time high in the US, with an estimated $410 billion investments towards philanthropic efforts.
• Nearly 5% of the total came from large US corporations like Wells Fargo & Company, Goldman Sachs Group, and Google.
• Here's 10 of the US companies that give the most to charity.

Here's something to feel good about: Total charitable giving in the United States reached record levels in 2017, with an estimated $410 billion donated to various causes by groups and individuals, according to Charity Navigator.

Of that total, 5% — or nearly $21 billion — came from corporations, up 8% from the previous year.

Here's a look at some of the US companies that donate the most to charity.

SEE ALSO: 17 companies with such good marketing their names have become verbs

1. Gilead Sciences leads the pack in charitable giving for 2017

Biotech firm Gilead Sciences donated the most money to charitable causes in 2017 — $388 million — according to the Chronicle of Philanthropy's survey of charitable giving by major US companies in 2017.

Considering that the company's annual pretax profit is $13.5 billion, its giving takes up 2.9% of said profit, the Chronicle survey states.

According to a 2016 report by Fortune, the company generally gives cash grants to health-related projects, such as the nonprofit Liver Foundation.

2. Wells Fargo & Company gives back locally and nationally

Wells Fargo & Company came in second for 2017 giving, donating $287 million in cash of its $27.4 billion pretax profit, or 1%, according to the Chronicle of Philanthropy.

According to BusinessWire, in 2017, Wells Fargo donated to more than 14,500 non-profits, and employees volunteered 2 million hours. Highlights of the company's charitable efforts included $28 million donated to veterans and military service members, $45 million in down-payment assistance and other home-buying resource through NeighborWorks, and $10.6 million to the American Red Cross.

In 2019, the company plans to use 2% of its after-tax profits for philanthropy, BusinessWire reported.

3. Goldman Sachs Group has increased its giving since 2007

In 2017, Goldman Sachs Group gave $280 million in cash to charity. That's 2.5% of its $11.1 billion pretax profit, Chronicle of Philanthropy reported.

Their charitable missions include 10,000 Women, which provides education, funding, and other resources to women entrepreneurs around the world, and 10,000 Small Businesses, which invests money and resources in people running small businesses.

Typically I take my lunch to work. It's healthier than always eating out and helps me save some dough. But microwaved leftovers and soggy PB&J's can get old.

So I decided to try out Ritual, an order-ahead app that I've seen advertised all around San Francisco's Financial District. It's also available in most major US cities like New York City, Chicago, and Washington, DC.

I was initially wary of Ritual. If I wanted a food app for the sole purpose of convenience, why wouldn't I splurge on a food-delivery app like Caviar that would bring food right to me?

Or if I were optimizing on price, why wouldn't I use MealPal, the monthly subscription service where lunches from local restaurants cost only $6.

The value propositions of Ritual — order ahead, skip the line, earn rewards — seemed to fall in some awkward middle ground of food apps that didn't seem all too compelling for me.

Nonetheless, I was curious to see why so many techies around me seemed to be loving it.

Here's what I found:

Ritual's main selling point is saving time by ordering ahead and skipping the line. With each purchase, you also earn Ritual rewards.

Near Business Insider's San Francisco office in the Financial District, there are a ton of options. There are at least 20 restaurants on Ritual within one city block.

For the entire week using Ritual, I did not travel more than a block and a half. My average commute time was about two minutes.

You can also browse nearby restaurants in this photo view.

• An obscure and often overlooked Fed survey is flashing a warning about the growing leveraged loan market.
• The Federal Reserve's Senior Loan Officer Opinion Survey, which takes responses from 70 domestic US banks, showed that lending standards for commercial and industrial (C&I) loans eased in the third quarter.
• Demand for commercial and industrial loans also fell, the survey said.
• Several major institutions, including the Fed itself, and the Bank of England, have warned about the rise of leveraged loans.

This year's rumbling debt story looks like it isn't going anywhere — despite numerous warnings from major figures in the world of finance — especially if banks continue to lend without adequate protections in the booming leveraged loan market. 

According to the Federal Reserve's Senior Loan Officer Opinion Survey, which takes responses from 70 domestic US banks, lending standards and terms for commercial and industrial (C&I) loans eased in the third quarter of this year. 

The figures apply to both large and mid-market companies suggesting that so-called "covenant lite" lending is permeating much of the US credit market.

Covenant-lite loans often lack lender protections that are built into traditional loan contracts, potentially allowing companies to take on more debt or loosen restrictions on dividend payments.

Global leveraged loan volumes, which have increasingly featured less stringent covenants, recently hit a total volume of $1.6 trillion, according to the Institute of International Finance.

Banks surveyed by the Fed also cited increased competition from other lenders as an important reason for banks’ easing their standards or terms. Increased tolerance for risk is also thought to be behind banks' decision to reduce covenant quality on loans. The Federal Reserve, the Bank of England, and the Reserve Bank of Australia have all previously sounded the alarm on the decreasing quality of leveraged lending. 

The data also suggests that loan demand is falling citing increases in customers internally generated funds, reduced investment, and customers shifting their borrowing to new lenders as reasons for the slowdown. 

According to the Fed's survey: "[Banks are] reportedly narrowing loan rate spreads on C&I loans to firms of all sizes. A significant net fraction of banks also reportedly eased loan covenants to large and middle-market firms."

The picture is different for foreign banks, however, which reported that demand for C&I loans remained unchanged over the third quarter.

While reduced covenant quality is often associated with higher credit supply within debt markets putting borrowers in a position of strength. However, highly leveraged corporates who are able to continue piling on debt are at the centre of a worrying trend in the world of credit which looks set to continue.

SEE ALSO: Giant tech firms like Uber and Tesla are lapping up junk debt — here's why investors are lining up to lend it

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NOW WATCH: The economist that predicted the housing crisis warns the Fed is engaging in behavior that's almost always caused a recession

• An Air India pilot was fired by the airline after twice failing a breathalyzer test an hour before he was scheduled to pilot a plane.
• According to Economic Times of India, Captain Arvind Kathpalia of Air India Airlines was scheduled to pilot AI-Flight 111 from Delhi to London on November 11 when he failed a pre-flight breathalyzer test and deemed "not fit to fly." 
• Economic Times in India reports Captain Kathpalia was relieved of his duties "with immediate effect" and that the Directorate General of Civil Aviation (DGCA) suspended his flying license for three years. 
• Reuters reports that Kathpalia plans to contest this charge. 

An Air India pilot was fired by the airline after twice failing a breathalyzer test an hour before he was scheduled to pilot a plane, multiple sources have reported. 

According to Economic Times of India, Captain Arvind Kathpalia of Air India Airlines was scheduled to pilot AI-Flight 111 from Delhi to London on November 11 when he failed a pre-flight breathalyzer test and deemed "not fit to fly." 

Fox News reports that after failing his first test, Kathpalia was administered a second test, but failed that one as well. 

Economic Times in India reports Captain Kathpalia was relieved of his duties "with immediate effect" and that the Directorate General of Civil Aviation (DGCA) suspended his flying license for three years. 

Read More:An Air India flight attendant was hospitalized after falling from a parked plane onto the tarmac

The Times of India has confirmed Captain Kathpalia was one of 10 directors on the board of Air India and that he was the airline's director of operations, a position that left him "in charge of ensuring safe and efficient flight operations." 

Air India did not respond to Business Insider's request for comment. 

Fox News reports Air India released a statement that said, "We have grounded Capt. AK Kathpalia as he failed twice in the breath analyzer test. He was given another chance, but the second test was also found positive, following which he was grounded."

Kathpalia first came under the watch of airline authorities in January 2017, when The Times of India reports he refused to undergo a mandatory pre-flight Breathalyzer test in Delhi, and then refused once again to undergo a post-flight test upon landing in Bengaluru. 

While the DGCA suspended his license for three months in March 2017, The Times of India reports Kathpalia was removed from his position as Air India's executive director of operations, but three weeks later the Appointments Committee of Cabinet approved his appointment to the director of operations position for a five-year term. 

Reuters reports that Kathpalia plans to contest this latest charge and that he is quoted as saying his 2017 charge is "a complete set-up." 

"It was 1:30 in the afternoon, only a bloody stark raving alcoholic is bloody drunk at 1:30 in the afternoon,” Kathpalia said, according to Reuters, who reported Kathpalia denied that he had been drinking and quoted him as saying at Air India "everyone is fighting with everyone" and that he had been targeted. 

SEE ALSO: Air India grounded 2 of its planes after passengers complained of being covered in gruesome bedbug bites after flights

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NOW WATCH: Why you shouldn't be afraid to fly, according to a pilot with over 20 years of experience

• The Pew Research Center defines the US middle class as those earning 67% to 200% of the median household income.
• Middle-class Americans earned about $40,425 to $120,672 in 2016, according to Pew's definition, but middle-class incomes vary at the state and city levels.
• Some Silicon Valley residents earning $400,000 consider themselves to be in the middle class, a survey found.

Some residents of Silicon Valley self-identify as being in the middle class, even though their salaries dwarf those of many Americans.

The Pew Research Center defines the US middle class as those earning two-thirds to twice the median household income, which was $60,336 in 2017, meaning middle-class Americans were earning about $40,425 to $120,672.

But that number shifts as its broken down by state and even by city.

The Palo Alto Weekly, a local paper in Palo Alto, California, asked residents to report their household income and perceived social class. Out of more than 250 respondents, 81 with incomes between $10,000 to $399,999 said they were "middle class."

"Middle class" is a term used broadly — and often incorrectly — even though it can be quantified with US government data. And while the US middle class has been shrinking for decades, most Americans still consider themselves part of it. Many of the high-earning Palo Alto residents noted the high cost of living was one of the reasons they identified as being in the middle class.

But whether you're in the "middle class" varies depending on where you live.

To get a sense of what it looks like in 25 US cities, Business Insider pulled census data from the 2017 American Community Survey for the largest metropolitan statistical areas. For clarity, we listed the largest city in the MSA (some include more than one).

Below, find out how much income you have to earn to be considered in the middle class in 25 metro areas.

This is an updated article originally reported by Abby Jackson.

SEE ALSO: How much money you have to earn to be considered rich in the biggest city in every state

DON'T MISS: How much income you have to earn to be considered middle class in every US state

Tampa, Florida: up to $104,424

• Middle-class range: $34,808 to $104,424

• Median income: $52,212

• Metro-area population: 3 million

Miami, Florida: up to $108,568

• Middle-class range: $36,189 to $108,568

• Median income: $54,284

• Metro-area population: 6.1 million

Orlando, Florida: up to $110,178

• Middle-class range: $36,726 to $110,178

• Median income: $55,089

• Metro-area population: 2.5 million

Each year, Victoria's Secret showcases it's most dazzling looks in an extravagant fashion show event featuring some of the world's highest paid models and award-winning performers.

Just under 5 million people tuned in to watch the 2017 Victoria's Secret Fashion Show, and it's likely millions will reserve an hour or two of their nights to tune into ABC on December 2.

Though you'll likely be watching a magical event unfold perfectly right before your eyes, have you ever wondered what it's really like to be in the show? 

Hint: there's lots of coffee, burgers, and hours of strutting involved.

Here are secrets about the VSFS that you've always wondered, revealed from the mouths of the angels themselves.

Veteran angel Adriana Lima said angels work their wings off getting in top shape.

"It takes five hours of hair and make-up and months of workouts to get ready for the Victoria's Secret Fashion Show.In fact, we can take on any sports athlete in a serious workout. Just ask my boxing coach," Adriana Lima told BuzzFeed.

She added that wings are highly coveted backstage. "During fittings, we fight over who gets the biggest wings. But we actually really like one another."

Candice Swanepoel said bronzer is an important part of getting ready for the show.

Though naturally stunning, it takes a village to get them fashion show ready. "It varies from year to year, whether they want us to have body makeup or not. I think last year, they didn't want us to have too much, because [the look] was more natural ... But they used to have a whole set-up backstage of bronzers, getting it all in your a-- and in the right spots," Candice Swanepoel told HuffPost.

As for the strutting part of the show, Swanepoel told Glamour magazine, "The best thing is to do what comes naturally. I always try and prepare, like 'oh, I should do this at the end', because there's that moment you need to catch the camera at the end of the runway. But it never works if I prepare, so I kind of just shake it off and do whatever I feel comes naturally."

Selita Ebanks said there's even butt makeup.

Apparently, there's a lot of booty bronzer. "It's all about creating the illusion of this amazing body on the runway. People don't realize that there are about 20 layers of makeup on my butt alone," Selita Ebanks told HuffPost.