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The latest news from Business Insider

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    tax day 2019

    • Taxpayers have until Monday, April 15, 2019, to submit their 2018 tax returns.
    • You can't file your taxes until you receive your W-2 form from your employer, which must filed and postmarked on or before January 31.
    • A recent report by the Treasury Inspector General for Tax Administration warned of an increased risk of a delayed start to the 2019 filing season due to the new tax law

    The deadline for filing your 2018 tax returns is Monday, April 15, 2019.

    But in order to submit your tax return, you first need a W-2 form, or Wage and Tax statement, from every employer you had during 2018. If you're a freelancer, you'll need 1099 forms.

    So when should you expect your employer to send out your W-2 form?

    The IRS has yet to release an official announcement, but typically employers must file and postmark tax-related documents by January 31. Therefore, you should receive your forms by early February.

    However, a report by the Treasury Inspector General for Tax Administration released in September 2018 warned of an increased risk of a delayed start in the 2019 filing season due to the new tax law

    Read more: Tax Day is April 15. Here's what you can expect when filing under the new tax law

    If you haven't received your form by mid-February, you should first contact your employer and request a copy or ask that it be resent, according to the IRS. If that doesn't work, you can then contact the IRS at 800-829-1040. You'll need to provide the following information:

    • Name, address, Social Security number, and phone number
    • Your employer's name, address, and phone number
    • Dates you worked for your employer
    • An estimate of your paid wages and federal income tax withheld during 2018

    If you still don't have your W-2 by April 15, you can use the W-2 substitute, Form 4852and estimate your wages and withheld taxes. Note that the IRS could delay your refund while verifying the information. You can also file for a six-month extension using the IRS Free File.

    If you receive your W-2 after filing and the information is different than what you claimed, you'll need to file an amended tax return using Form 1040X.

    Once you file your taxes, you should receive your tax refund within 21 days of filing.

    Read more:

    SEE ALSO: 10 things you probably didn't know you could deduct on your taxes

    DON'T MISS: You may be able to cut down your tax bill with a little-known credit if you saved for retirement this year

    Join the conversation about this story »

    NOW WATCH: Tim Cook's estimated net worth is $625 million — here's how he makes and spends his money

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    trump mattis

    • President Donald Trump has reportedly asked Defense Secretary Jim Mattis to prepare a $750 billion budget proposal for military spending 2020, according to Politico.
    • Just months ago, Trump asked every major cabinet agency to submit proposals cutting their budget by 5% next year.
    • Since his presidential campaign, Trump has appeared to vacillate between wanting to boost and diminish military spending.

    President Donald Trump has reportedly told Defense Secretary Jim Mattis to prepare a $750 billion budget proposal for 2020, according to Politico's Wesley Morgan.

    This request comes just months after Trump asked every major cabinet agency to submit proposals cutting their budget by 5% next year, according to The Washington Post. Trump said he wanted to see the defense budget decrease by 2%, from $716 billion to $700 billion.

    Politico's sources said that that Trump met Tuesday with Mattis and the Republican chairmen of the House and Senate Armed Services Committees, and decided on the $750 billion number. One source, a former administration official, said Trump suggested this figure as a "negotiating tactic" to make sure Democrats don't push the defense budget below $733 billion, which is what Mattis and the chairman of the House and Senate Armed Services Committees had wanted.

    Read more: The 15 countries with the highest military budgets in 2017

    In November 2018, those two chairmen, James Inhofe, and Mac Thornberry, published an op-ed in The Wall Street Journal urging the President not to cut military spending. "Any cut in the defense budget would be a senseless step backward," they wrote. "The Pentagon would be forced to cut in areas where the most money can be saved quickly — troops, new equipment, training and maintenance—as it did under sequestration in 2013."

    Trump called the $716 billion 2019 defense budget 'the most significant investment in our military in our war fighters in modern history'

    Trump has appeared to vacillate between advocating for increasing and decreasing military spending. Bumping up defense spending was a big part of his presidential campaign, CNN reported. When he signed the $716 billion 2019 defense budget, he called it "the most significant investment in our military in our war fighters in modern history."

    And according to The Washington Post, Trump has threatened to shut down the government if he doesn't get at least $5 billion for the construction of a border wall.

    On Monday, however, Trump tweeted: "I am certain that, at some time in the future, President Xi and I, together with President Putin of Russia, will start talking about a meaningful halt to what has become a major and uncontrollable Arms Race. The U.S. spent 716 Billion Dollars this year. Crazy!"

    Politico reported that the $750 billion number isn't official yet, and should be announced this week.

    The defense budget includes the Pentagon and Department of Energy funding for the US nuclear arsenal, Politico reported. However, defense funding is still subject to the Budget Control Act spending caps, so this increase wouldn't be put into action until lawmakers agreed to a deal to lift the caps.

    SEE ALSO: Trump is reportedly thinking about getting rid of Mattis, and he's given 'Mad Dog' a new nickname

    Join the conversation about this story »

    NOW WATCH: Here's how easy it is for the US president to launch a nuclear weapon

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    lebron james draft day

    • The 2003 NBA Draft is regarded as one of the best of all time.
    • The first fives picks alone produced NBA legends like LeBron James, Carmelo Anthony, Chris Bosh, and Dwyane Wade — some of the most successful players in NBA history.
    • Like all drafts, it also produced busts who didn't accomplish much in the NBA and fell out of the league quickly.
    • Today, many players are still involved in basketball while some have moved on entirely.

    The 2003 NBA Draft remains one of the most legendary drafts in NBA history.

    Though it may lack the depth of the classic 1996 Kobe Bryant draft, it was among the most top-heavy we've ever seen: LeBron James went first, and the top five picks were rounded out by Carmelo Anthony, Chris Bosh, and Dwyane Wade.

    Of course, like all drafts, it also produced some famous busts, role players, and players who went into other fields after their playing days were over.

    See what happened to the top 29 picks of the draft below:

    Tony Manfred contributed to this report.

    LeBron James was picked No. 1 overall by the Cleveland Cavaliers.

    James is in his 16th season and is still regarded as the best player in the NBA and one of the best players of all time, with four MVPs and three titles. He's now with the Los Angeles Lakers.

    Darko Milicic was picked No. 2 overall by the Detroit Pistons.

    See the rest of the story at Business Insider

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    Priyanka Chopra Nick Jonas wedding

    • Joe Jonas opened up about the relationship between Nick Jonas and Priyanka Chopra, who recently got married. 
    • "Seeing Nick's face when he first met her, and the way he talks about her, and then getting to meet her and seeing what an amazing person she is, I knew right away that they definitely were a match made in heaven," Joe said during an interview with "Entertainment Tonight."
    • The singer went on to say that the two ceremonies (a Christian service and a Hindu ceremony) were "so beautiful" and his "face hurts from smiling so much."


    Joe Jonas says that Nick Jonas and Priyanka Chopra were a good fit for each other from the start.

    "Seeing Nick's face when he first met her, and the way he talks about her, and then getting to meet her and seeing what an amazing person she is, I knew right away that they definitely were a match made in heaven," Joe said during an interview with "Entertainment Tonight."

    The DNCE lead singer added: "My face hurts from smiling so much. The ceremonies themselves were so beautiful. The Indian ceremony was something that was new for me. We were all in tears."

    Recently, Joe opened up about the couple's lavish wedding celebrations and said that he was so overwhelmed with emotions that he "blacked out for a minute" while giving his best man speech.

    "This is not only my brother, [but my] best friend, and to see him marrying his dream girl, there were a lot of tears the whole weekend and a lot of smiles," he said during an appearance on NBC's "Today" show.

    Nick Jonas Priyanka Chopra

    Read more: Priyanka Chopra describes the moment at her wedding when she realized marrying Nick Jonas was 'the best decision of my life'

    Nick and Chopra tied the knot during two extravagant ceremonies that took place in India. They had a Christian service for Nick's faith and a Hindu service to honor Chopra's background.

    In several interviews, the couple has explained what attracted them to each other. The "Quantico" star told Vogue that she realized that Nick was different from other men she had encountered because he told her that he admired her "drive" and the way she views the world

    Moreover, Nick knew that he wanted to marry the actress after three dates. He previously explained that he knew Chopra was "the one"because "the thing that really connected both of us is our love for family and faith and the importance of being connected to those that are always going to be there for you."

    Visit INSIDER's homepage for more.   

    Join the conversation about this story »

    NOW WATCH: The legendary economist who predicted the housing crisis says the US will win the trade war

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    35 big tech predictions for 2018Technology is increasingly disrupting every part of our daily lives.

    Smart speakers and voice assistants let us interact with our homes and with retailers in new and seamless ways.

    Smartphones are taking over as the dominant shopping device.

    Viewers continue to move away from traditional TV toward digital platforms.

    And the list is growing.

    Nearly every industry has been disrupted by digital technologies over the past 10 years. And in 2018, we expect to see more transformative developments affect our businesses, careers, and lives.

    Business Insider Intelligence, Business Insider's premium research service, has put together a list of 35 Big Tech Predictions for 2018 across Apps and Platforms, Digital Media, Payments, Internet of Things, E-Commerce, Fintech, and Transportation & Logistics. Some of these major predictions include:

    • Cryptocurrencies will become more widely accepted
    • Google and Apple will challenge Amazon in the smart speaker space
    • The resurgence of the VR market
    • The real self-driving car race will begin
    • Drone regulations will relax
    • Alibaba’s international expansion
    • Gen Z will become a major focal point for media companies and advertisers
    • Payment security will become paramount
    • Smart home devices will take off

    This comprehensive list of 35 predictions can be yours for free today. As an added bonus, you will gain immediate access to our exclusive free newsletter, Business Insider Intelligence Daily.

    To get your copy of this FREE report, simply click here.

    Join the conversation about this story »

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    miley cyrus hailey baldwin kendall jenner carpool karaoke

    • Models Kendall Jenner and Hailey Baldwin appeared on the latest episode of "Carpool Karaoke: The Series.
    • The series was inspired by "The Late Late Show" host James Corden's popular show segment and is available on Apple TV.  
    • Jenner and Baldwin chose to sing along to Cyrus' hit 2009 song "Party in the USA" as Cyrus mouthed the words from outside the vehicle.
    • The two stars belted out the words to the "classic" track, and the "Nothing Breaks Like a Heart" singer eventually got into the car to join them. 
    • Watch a snippet of the episode in the video below. 


    Visit INSIDER's homepage for more.   

    Join the conversation about this story »

    NOW WATCH: The science of why human breasts are so big

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    Nick Ayers

    • Nick Ayers, chief of staff for Vice President Mike Pence and White House chief of staff John Kelly's long-suspected replacement, will reportedly not be taking over the role. 
    • The Wall Street Journal reported Sunday evening that Ayers, who has been rumored to be President Donald Trump's top pick to replace Kelly since 2017, couldn't agree with Trump for a timeline on the job.
    • Ayers tweeted to confirm he would be departing at the end of the year for his native Georgia.  

    Nick Ayers, chief of staff for Vice President Mike Pence and White House chief of staff John Kelly's long-suspected replacement, will reportedly not be taking over the role. 

    The Wall Street Journal reported Sunday evening that White House officials said Ayers, who has been rumored to be President Donald Trump's top pick to replace Kelly since 2017, couldn't agree with Trump for a timeline on the job. 

    Ayers has been the long-suspected replacement for retired Marine Gen. Kelly, with reports saying he's been Trump's top choice to assume the spot since 2017. However, the 36-year-old father of young triplets could not commit long-term to the job, which Trump decided was a dealbreaker. 

    New York Times White House correspondent Maggie Haberman tweeted that Ayers would likely move into a role with the Trump-aligned super PAC America First Policies, which he helped launch. 

    Trump announced Saturday that White House Chief of Staff John Kelly is on his way out of the administration, saying Kelly will be leaving "at the end of the year" and he will announce his replacement in the next day or two.

    Ayers tweeted to thank the president, vice president, and other colleagues before he departs at the end of the year, back to his native Georgia. 

    Axios reported Trump was considering Rep. Mark Meadows, the chairman of the ultra-conservative House Freedom Caucus, among three other candidates. 

    Reuters reported Treasury Secretary Steve Mnuchin was also being considered for the role. However, it remains unclear who will replace Kelly. 

    SEE ALSO: Meet Nick Ayers, the leading candidate to take over for John Kelly as White House chief of staff

    DON'T MISS: Trump says chief of staff John Kelly is leaving the White House at the end of the year

    Join the conversation about this story »

    NOW WATCH: Anthony Scaramucci claims Trump isn't a nationalist: 'He likes saying that because it irks these intellectual elitists'

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    • The Miami Dolphins ran a miraculous hook-and-ladder play in the final seven seconds to pull off a stunning 34-33 win over the New England Patriots.
    • Bill Belichick put in Rob Gronkowski to play deep defense, and it backfired, as Gronkowski took the wrong angle to try and stop Kenyan Drake.
    • The win kept the Dolphins in the AFC playoff race while the loss prevented the Patriots from clinching the division.

    The Miami Dolphins pulled off a miracle, 34-33 win over the New England Patriots on Sunday with a stunning, last-second play.

    After the Patriots failed to score a touchdown on a final fourth quarter drive, instead settling for a field goal, the Dolphins got the ball back trailing 33-28 with seven seconds to play.

    Ryan Tannehill threw a pass to the 47-yard line to Kenny Stills. Stills then lateral-ed the ball to DeVante Parker, who lateral-ed to Kenyan Drake. The announcers even seemed resigned to the Dolphins losing, when all of the sudden Drake found some running room.

    Bill Belichick's Hail Mary defense came back to bite him, as Rob Gronkowski was playing deep to try to break up any deep passes. As Drake found room to run, Gronkowski mis-played the angle and couldn't catch Drake. Drake ran free for the game-winning touchdown.


    The loss prevented the Patriots from clinching the AFC East for the tenth straight year and continued a bizarre pattern in which the team has struggled in Miami.

    The loss was also a huge one for the Dolphins as it moved them to 7-6 and within striking range of one of the wild card spots in the AFC. 

    Join the conversation about this story »

    NOW WATCH: The science of why human breasts are so big

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    Jack Dorsey

    • Twitter CEO Jack Dorsey sparked outrage with his positive Tweets about his recent trip to Myanmar.
    • Social media platforms — including Facebook and Twitter — may have worsened a humanitarian crisis there.
    • Twitter users are responding criticizing Dorsey's posts for being "tone-deaf."

    Twitter CEO Jack Dorsey recently visited Pyin Oo Lwin, Myanmar, for his birthday, to participate in a 10-day Vipassana silent meditation retreat. Since then, he's been posting photos and detailed descriptions of his trip on Twitter, encouraging other people to go there if they can.

    Now, Dorsey is facing backlash against his supposedly ignorant promotion of Myanmar, where social media platforms — including Twitter and Facebook — allegedly helped fuel a mass genocide, SFGate and other outlets reported.

    "Myanmar is an absolutely beautiful country. The people are full of joy and the food is amazing," Dorsey wrote in one Tweet. "I woke up at 4 am every day, and we meditated until 9 pm," read another Tweet in the same thread. Another read, "If you’re willing to travel a bit, go to Myanmar."

    A Reuters investigation published in August 2018 reported that Facebook was hiring more Burmese speakers to review hate speech posted in Myanmar. In March, a United Nations investigator had said Facebook was used to incite violence against the Rohingya, a Muslim minority group, with posts calling the Rohingya things like "non-human kalar dogs." (Kalar is a derogatory word for Muslims.)

    Read more: The 18 biggest tech scandals of 2018

    Reuters reported that hate speech spread on Twitter as well. In August 2017, Rohingya insurgents attacked police stations, setting off military activity that caused 700,000 people to abandon their homes. New Twitter accounts appeared in Myanmar, and the Tweets portrayed the Rohingya as illegal immigrants. One Tweet Reuters spotted read: "There is no Rohingya in Myanmar they are only illegal immigrant and terrorists."

    Twitter has a "Hateful conduct policy," which prohibits "attacking groups of people on the basis of race, ethnicity or national origin." However, in August, Reuters reported that such Tweets were still available on the site.

    In response to Dorsey's Tweets about his visit to Myanmar, people are posting critical messages such as, "Leave it to a rich guy to step over bodies while taking pics on his vacation," and calling Dorsey's posts"tone-deaf."

    As of yet, Dorsey hasn't posted any follow-ups.

    In November, Reuters reported, Facebook said a human rights report it commissioned showed it had not done enough to prevent its social network from fueling violence. On a Slate podcast in March, Adam Mosseri, Facebook's vice president of product management, said he and his team "lose some sleep" over their potential role in the humanitarian crisis.

    SEE ALSO: Facebook says it did not do enough to halt the spread of hate speech and violence in Myanmar

    Join the conversation about this story »

    NOW WATCH: Why NASA blasts half a million gallons of water during rocket launches

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    Cyberpunk 2077

    • CD Projekt Red, the game developer behind the acclaimed "Witcher" series, has been working on its next video game, called "Cyberpunk 2077."
    • CD Projekt Red announced "Cyberpunk 2077" all the way back in 2012, but the company's Turkish publisher says it will be ready in 2019.
    • At Microsoft's E3 press conference in June, fans finally got a first look at actual gameplay from "Cyberpunk 2077." The footage hit Twitch and YouTube two months later to much fanfare.
    • We've broken down the highlights from the "Cyberpunk 2077" reveal to give you an idea of what to expect from one of the most anticipated video games.

    SEE ALSO: 'Hollow Knight' is the best video game I've played in years — and it's a total steal right now at just $10

    In Cyberpunk 2077, you play as V, an urban mercenary and cyberpunk who takes on dangerous jobs for money.

    You create your own version of V: You can choose to be male or female, which affects who you can romance in the game. Many non-playable characters you'll meet are bisexual, but not all of them are.

    You can also choose your haircut, tattoos, and put points into various attributes like Strength, Constitution, Intelligence, Reflexes, Tech, and something called "Cool."

    See the rest of the story at Business Insider

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    red dead redemption 2

    "Red Dead Redemption 2," out now for PlayStation 4 and Xbox One, is one of the most detailed video games ever developed.

    Just how detailed is the game exactly?

    While there are tons of activities and storylines to explore in "Red Dead Redemption 2," Joe from the YouTube gaming channel DefendTheHouse recently decided to spend a full day in the game just following around a handful of non-playable characters, or NPCs, and nothing more.

    The results are fascinating. These characters hardly play a role in the game, yet they still have unique schedules and characteristics.

    Take a look at what happens when you follow random people around in "Red Dead Redemption 2" all day:

    SEE ALSO: The 7 most incredible things I've seen in 'Red Dead Redemption 2,' the huge new blockbuster game from the makers of 'Grand Theft Auto'

    Here's our first NPC. Let's call him Shepherd. Around 8 a.m., Shepherd heads off to work.

    He tends to sheep at the farm between 8:30 a.m. and noon.

    Around 12:30 p.m., Shepherd moves bags of feed to the farm for the pigs, sheep, and goats.

    See the rest of the story at Business Insider

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    This is a preview of the Influencer Marketing (2018) research report from Business Insider Intelligence. To learn more about the top platforms, as well as strategies for social media influencer marketing, click here. Current subscribers can read the report here.

    Social Media Influencer Marketing Success Metrics

    The concept of a brand hiring a popular personality to promote a product or service isn't new, and brands know that celebrity endorsements can sell products. In the age of social media, however, brands are finding new ways to leverage popular figures as brand ambassadors, and these people aren't necessarily famous actors, singers, or athletes.

    How brands are leveraging social media influencer marketing

    While brands certainly continue to tap celebrities for endorsement deals, they’re also starting to enlist social media personalities, broadly known as “influencers,” for advertising campaigns. Social influencers generally focus on specific content areas — like fashion, beauty, parenting, or gaming — and cater their content to a specific vertical.

    A new report from BI Intelligence, Business Insider's premium research service, identifies the ways brands can find and manage relationships with social media influencers. It notes the most engaging industry verticals, the pitfalls to avoid, and the opportunities to cash-in on. Finally, it explores how major social platforms are increasingly building out tools that enable their most popular users to build their personal brands.

    Here are some of the key takeaways from the report:

    • Influencer marketing ad spend is poised to reach between $5 billion and $10 billion in 2022. Taking the midpoint of $7.5 billion as a base case, this represents a five-year compound annual growth rate (CAGR) of 38%.
    • Brands need to fine-balance providing influencers with enough creative freedom, while also ensuring the messaging positively reflects the brand. Nearly 40% of influencers believe that overly restrictive content guidelines are one of the biggest mistakes brands and agencies make when working with them. 
    • Influencers tend to have higher user engagement than content generated by brands. The average influencer engagement rate across industry verticals is 5.7%. As a comparison, the average engagement rate for brands on Instagram has fluctuated between 2-3% in the past year. 
    • Authenticity is key for influencer marketing messaging. Brands should give influencers sufficient creative freedom to keep posts authentic, as it makes posts less likely to be dismissed by users. Other best practices include repurposing influencer content for multiple platforms, evaluating the audience and following of an influencer, and leveraging data to optimize future campaigns. 

     In full, the report:

    • Outlines recent steps the top social platforms are taking for influencer posts.
    • Details the best practices brands should adopt when starting out with influencer marketing. 
    • Discusses the top verticals that are poised to benefit the most from influencer marketing, and which ones are growing. 
    • Highlights the factors that will be critical for compliance with social platforms and the FTC.

    Join the conversation about this story »

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    quarterly global fintech fundingThis 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:

    • 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. 

     In full, the report:

    • 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. 

    Subscribe to an All-Access pass to Business Insider Intelligence and gain immediate access to:

    This report and more than 250 other expertly researched reports
    Access to all future reports and daily newsletters
    Forecasts of new and emerging technologies in your industry
    And more!
    Learn More

    Purchase & download the full report from our research store


    Join the conversation about this story »

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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.

    Emerging markets are going to be essential for e-commerce growth, as retailers in developed markets may soon reach saturation in terms of consumer growth.


    For example, almost half of US households now have a Prime membership, diminishing Amazon's growth potential in the country. Meanwhile, in China, the world's largest e-commerce market, nearly half of the population is actively making online purchases, leaving little room for growth. 

    However, India, Southeast Asia, and Latin America are worth keeping an eye on. E-commerce penetration rates in these areas hover between 2-6%, presenting a huge opportunity for future growth as online sales gain traction. Moreover, these regions are expected to grow at compound annual growth rates (CAGRs) of 31%, 32%, and 16%, respectively, through 2021.

    This report compiles several e-commerce snapshots, which together highlight the most notable emerging markets in various regions. Each provides an overview of the e-commerce industry in a particular country, discusses influential retailers, and provides insights into the opportunities and challenges for that specific domestic industry.

    Here are some of the key takeaways:

    • Emerging markets are going to be essential for e-commerce growth, as retailers in developed markets may soon reach saturation in terms of consumer growth.
    • India is the clear overall leader in e-commerce potential, but countries in Southeast Asia and Latin America are also worth keeping an eye on. Within Southeast Asia, Indonesia shows the most promise for retailers, as the government is loosening restrictions on foreign investments, and its massive population is gaining spending power and more access to internet. Meanwhile, Mexico is a retailer's best bet for expansion in Latin America, due to its stable economy and rising middle class, but Brazil may be gearing up to steal the top spot.
    • However, doing business in these regions can be difficult. In most of these emerging markets, infrastructure is underdeveloped and the population is largely unbanked, making digital payments a challenge.
    • If retailers can build a brand presence in these markets while online shopping is still in its nascent stages, they may become market leaders as e-commerce takes off in the regions. Moreover, these markets could provide new sources of growth for companies that would otherwise stagnate in more mature e-commerce markets.

     In full, the report:

    • Explores the e-commerce industry in India, Southeast Asia, and Latin America.
    • Highlights the leading country in each region, as well as key e-commerce players there. 
    • Outlines the challenges and opportunities each region faces.
    • Gives insight into how these emerging markets may shape the future of e-commerce.

    Join the conversation about this story »

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    Paris demo smoke flag

    • President Donald Trump said his chief of staff John Kelly will depart by the beginning of 2019. He's said to currently be mulling over replacements. 
    • "Yellow Vest" protests continued across Europe. On Saturday, over 1,300 people were arrested. 
    • After the CFO of Huawei was arrested in Canada, China asked the US ambassador to make a "strong protest" against the decision.  

    A flood of filings came Friday evening, implicating former Trump attorney and fixer Michael Cohen, former Trump campaign manager Paul Manafort, former Trump national security adviser Michael Flynn, and Trump himself.

    Despite the trove of new information on special counsel Mueller's investigation into Russian election interference, the beat of the news cycle kept on throughout the weekend, bringing more major headlines.

    Here's what you might have missed.

    Former FBI Director James Comey's testimony to the House committees was released on Saturday.

    Here's what happened: 

    • During Friday's testimony, Comey detailed his role in investigating Hillary Clinton's email server and the Trump campaign's potential ties to Russia.
    • Comey told House lawmakers that he's "not friends" with Mueller, despite Trump's claims the pair are "best friends." Trump once even said that there are 100 pictures of Comey and Mueller "hugging and kissing each other."
    • Comey also said the Russia investigation initially focused on four Americans,but he declined to identify them. He said Trump was not one of them, but could not confirm the names because of an ongoing investigation. 
    • Comey doubled down on his previous statements, saying anyone who thinks the FBI favored Clinton in its emails investigation is "smoking something."
    • But Trump was not happy with Comey's statements and lashed out on Twitter Sunday morning to call his testimony: "All lies!"


    Trump told reporters Saturday that his chief of staff John Kelly will leave the White House by the beginning of 2019.

    Here's what you need to know: 

    "Yellow Vest" protests continued to rock Paris over the weekend.

    Read more about our coverage: 

    • "Yellow Vest" anti-government protesters took to the streets across France on Saturday, in what quickly devolved into violent clashes with police.
    • More than 1,300 people were arrested and dozens more were injured as rioters gathered for the fourth week.
    • Trump mocked French President Emmanuel Macron over his Paris Climate Agreement, which the US has withdrawn from: "The Paris Agreement isn't working out so well for Paris," he tweeted, referring to the angry protests which have set Paris ablaze.
    • Uma Thurman posted a photo of herself on Instagram at the protests alongside smoke bombs and police officers in riot gear. She said in a comment that "99 percent of protesters were peaceful."
    • Read more here about who the protesters are and what they want from President Emmanuel Macron. 

    See the rest of the story at Business Insider

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    The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships, so we get a share of the revenue from your purchase.

    amazon handmade gifts 21

    Unique gifts come in many forms: subscription boxes and services, products that give back, and something that comes from a brand they may not have heard of before. Handcrafted gifts carry a similar special weight to them, though coming up with one yourself isn't easy if you lack the creativity or hand-eye coordination required to make them. 

    Luckily, sites like Amazon Handmade or Etsy let you find thousands of talented artisans who can help you out, no matter what niche interest you're looking for.

    One downside of buying from these independent makers is that shipping and fulfillment processes can be inconsistent or slower than you'd like.

    That's why we really appreciate Amazon Handmade and its convenient shipping policies. More than 50,000 goods on Amazon Handmade are Prime-eligible, which means Prime members can enjoy reliable, free two-day shipping and avoid that terrible sinking feeling you get when you realize you've ordered your gifts too late.

    While we don't encourage procrastinating on your gift shopping, we'll at least grant you this safety net collection of 22 unique gifts that will arrive in two days. 

    A clever bookmark that will really catch their attention

    MyBookmark Wicked Witch Bookmark, $27, available at Amazon

    A cheese tray made from a melted-down wine bottle

    Mitchell Glassworks Cheese Tray, $29.95, available at Amazon


    A carefully crafted rattle and teething toy

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    Elon Musk concerned

    • Tesla CEO Elon Musk said he has no respect for the Securities and Exchange Commission during a 60 Minutes interview on Sunday evening. 
    • Musk also said that no one has reviewed any of his tweets posted since his settlement with the SEC. 
    • When asked if Tesla's new chairman was put in place to watch over Musk, he replied, "It's not realistic in the sense that I am the largest shareholder of the company and I can call for a shareholder vote and get anything done that I want," Musk said.

    Tesla CEO Elon Musk slammed the Security and Exchange Commission in an interview with 60 Minutes on Sunday.

    "I want to be clear, I do not respect the SEC, I do not respect them," Musk said when asked about the SEC lawsuit brought against the company earlier this year.

    The SEC sued Musk in September alleging that he shared "false and misleading statements" about taking Tesla private when he tweeted about doing exactly that.

    Musk reached a settlement with the SEC in late September that required him to pay $20 million and step down as Tesla’s chairman for a minimum of three years. Tesla was also required to pay $20 million to the SEC as part of the deal.

    What’s more, the SEC said Tesla must put "additional controls and procedures to oversee Musk’s communications,"including his tweets.

    However, during the interview, Musk said no one has reviewed any of his tweets since the settlement with the SEC. When pressed on the topic, Musk said "I guess we might make some mistakes, who knows. Nobody's perfect."

    Musk also spoke candidly about how he felt about stepping down as Tesla’s chairman. When asked if the new chairman was put in place to watch over Musk "like a babysitter," Musk said that wasn't the case. 

    "It's not realistic in the sense that I am the largest shareholder of the company and I can call for a shareholder vote and get anything done that I want," Musk said.

    When Musk was asked if he would like to go back to being chairman, he replied, "I prefer no titles at all."

    Musk also said he doesn't "really want to try to adhere to some CEO template."

    Do you work at Tesla and have a story to share? Contact this editor at 

    SEE ALSO: The 18 biggest tech scandals of 2018

    Join the conversation about this story »

    NOW WATCH: This Rolls-Royce feature might be the world's fanciest way to tailgate

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    The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships, so we get a share of the revenue from your purchase.


    This year, celebrations erupted all over the world as Mickey and Minnie Mouse turned 90. Collaborations have been popping up left and right, with everyone from luxury watch brands to streetwear sneaker companies dropping Mickey- and Minnie-inspired styles for adults. 

    This has been great and very expensive news for classic Disney fans like myself. I grew up near Disney World, so my love of Mickey runs deep — and after putting together this list, my pockets run shallow. 

    If you're looking to gift a grownup who loves all things classic Disney but isn't interested in looking like they're 10 years old, you've definitely come to the right place. I handpicked some of the best Mickey- and Minnie-themed gifts out there for adults, plus a few old-school Disney options I just couldn't leave behind.

    Who else but a huge Disney fan could do justice to a roundup like this? 

    Looking for more gift ideas? Check out all of Insider Picks' holiday gift guides for 2018 here.

    SEE ALSO: All of Insider Picks' holiday gift guides, in one place

    DON'T MISS: 25 creative and unexpected gifts for 'Star Wars' fans of all ages

    A Mickey Mouse watch they'll actually want to look at to tell the time

    Nixon Mickey Watch, available at Nordstrom, $175

    Nixon's unisex Mickey watch is the perfect everyday accessory for a Disney fan — and not just one they'll want to wear once on a trip to the park.

    If you're willing to spend more, Shinola also makes a great Mickey watch for a cool $850.

    A bold graphic Mickey half-zip

    Mickey Mouse Half-Zip, available at Frank And Oak, $99.50

    Half-zips have quickly become the silhouette of the season, but you don't have to go to Patagonia to get in on the trend. Frank And Oak makes a bold graphic Mickey half-zip sweater that instantly catches the eye with its all-over patterning and bright mango color.

    A pair of fun graphic sneakers

    Vans Mickey Authentic Sneakers, available at Zappos, $64.95

    Vans put out a collection of sneakers and shirts featuring iconic images of Mickey and Minnie through the years —including some wackier '80s-inspired styles— but this simple pair seems to be the real crowd pleaser.

    See the rest of the story at Business Insider

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    Daniel O'Day Gilead CEO, formerly of Roche

    • Roche Pharmaceuticals veteran Daniel O'Day will take over as CEO of Gilead Sciences next year.
    • Wall Street is hoping O'Day will put Gilead's cash to work in big deals, but some say his track record for deals is limited.
    • Gilead's flagging pipeline of drugs will need to be a top priority for O'Day — and there are already some hints about what his focus will be.

    Gilead Sciences' quest for a new CEO came to an end early Monday, with the struggling pharmaceutical company announcing that Roche Pharmaceuticals CEO Daniel O'Day will take the helm starting in early March 2019.

    O'Day, who has spent his entire 31-year career at Swiss healthcare giant Roche, was praised by many on Wall Street as a qualified and uncontroversial choice for the position.

    O'Day's total compensation package is valued at just under $31 million in his first year, including a base salary of $1.6 million, a bonus opportunity of up to $2.4 million, and millions in stock options and restricted stock units, which vest over a period of a few years.

    Analysts also enjoyed the opportunity to make some puns.

    "At the end of the day, no huge surprise," RBC Capital Markets analyst Brian Abrahams said, dubbing it a "Brand new day for GILD."

    The pharmaceutical veteran's career has spanned a dizzying array of Roche's business units, with stretches in Switzerland, Japan, and Denmark.

    O'Day led some dealmaking during his time at Roche, prompting hopes that he will put Gilead's billions in available cash to work.

    The search for a replacement for John Milligan, Gilead's current CEO, has spanned roughly 4 1/2 months and left many investors unsure what to think about the drugmaker's future.

    Gilead is seen as a company in need of a turnaround, and the resignations of several high-profile executives haven't helped.

    Even before Milligan's departure was announced in late July, Chairman John Martin and Norman Bischofberger, the company's then chief scientific officer, both said they were exiting the company. Andrew Cheng, who was appointed chief medical officer in March, also departed in recent months.

    The company has been predicting a return to growth for the entire past year, and in recent quarters its financial results have beat Wall Street estimates.

    Yet Gilead's stock continues to slump, dropping 8.4% over the last three months but still outperforming the broader biotech sector.

    Milligan plans to wrap up his 28 years at Gilead at the end of 2018, and longtime Gilead executive Gregg Alton will hold the position between January and March.

    O'Day's compensation package also includes perks for leaving Roche, including $8.5 million in restricted stock options, a one-time cash payment of $5.68 million, and $750,000 a year for his first five years in return for the pension benefits he's leaving behind.

    Gilead said in an SEC filing that it will also provide relocation benefits to help O'Day move to Northern California (Gilead headquarters are located in Foster City).

    By way of comparison, Milligan's pay package totaled about $15.4 million in 2017. A company spokesperson declined to comment on the compensation package beyond the filing.

    O'Day likely won't put out his agenda until he starts at Gilead. But here are some of Wall Street's best thoughts on the company's key challenges — and how the new CEO may address them.

    Building out a pipeline with a new focus on cancer

    Hepatitis C and HIV medications have long been Gilead's core franchises, but they have become less dependable sources of growth.

    In large part, that's been because Gilead's hepatitis C medications have done a good job curing patients and because of patent expiries.

    O'Day will be looking for ways to diversify the company's product pipeline, and his experience in oncology looks like a clear signal to many onlookers.

    Cancer "historically has not been GILD's strong suit, so the hiring of an exec from a major oncology company reflects in part GILD's future direction," Jefferies analyst Michael Yee said.

    Building out cancer partnerships could also provide a nearer-term lift for Gilead than something like cellular therapies, which O'Day will likely continue to invest in, according to RBC's Abrahams.

    Read more: Gilead's CEO is leaving by the end of the year, and the biotech giant still hasn't picked a replacement. Wall Street has a few ideas.

    Notably, Gilead bought cell-therapy biotech Kite Pharma in 2017, and its cutting-edge chimeric antigen receptor T cell therapy, Yescarta, was approved for lymphoma later that year.

    Inflammation and respiratory, where Gilead has done some work so far, as well as neurology, are also potential areas for investment, Abrahams said.

    Deals, deals, deals

    Gilead has almost $30 billion in available cash, according to Cantor Fitzgerald analyst Alethia Young's calculations, stoking anticipation on Wall Street that there's dealmaking ahead.

    Roche did at least 17 deals between 2014 and 2018, according to Young, with most valued below $1 billion.

    One notable exception is Roche's $8.3 billion acquisition of biotech company InterMune in 2014, the largest acquisition it made during that time period.

    Other large deals include Roche's $1.9 billion purchase of cancer-data platform Flatiron Health and a $1.7 billion deal for cancer-drug maker Ignyta.

    O'Day's track record, though, could be a bone of contention for investors, Morgan Stanley analyst Matthew Harrison said, noting that O'Day has overseen a "limited number" of deals.

    "Investors are looking for the new CEO to put Gilead's cash to work and given O'Day's history, we think investors will take a wait and see approach related to his ability to transform Gilead through [mergers and acquisitions]," he said.

    But Barclays analyst Geoff Meacham argued that the new job should mark a change of pace for O'Day, who "is more likely to be more aggressive on the deal and biz-dev front, which is a strategy that investors favor as it would help further diversity the core HIV franchise."

    Moving to focus on operations

    In spite of his experience, O'Day is an unusual choice in some ways for Gilead.

    He is the first outside CEO Gilead has appointed in 20 years and the first CEO in 20 years without a PhD or medical degree, Mizuho analyst Salim Syed said.

    The latter quality could make operations at Gilead more of a priority, he said, noting that "the company is also much larger today, so it's not necessarily a bad thing in our view."

    O'Day might also try some new strategies to perk up declining businesses, Cantor Fitzgerald's Young said.

    "One of his key legacies from Roche, in our view, was to weave products with companion diagnostics," Young said.

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