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The dangerous measles outbreak near Portland, Oregon, is what happens when people refuse to vaccinate their kids

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measles vaccines 1963

  • Officials in Clark County, Washington — across the river from Portland, Oregon — have declared an emergency after identifying at least 65 cases of measles, most of which are in kids who aren't vaccinated.
  • The state has spent more than $1 million battling the outbreak that began in January.
  • Before the US developed a measles vaccine in 1963, the contagious infection was a common childhood illness. Hundreds of children died every year, and millions more had symptoms.
  • As vaccination rates plummet around the US, officials are worried that outbreaks like the one near Portland will become increasingly common.

It's a public health emergency, and it's spreading fast: At least 65 kids and young adults are sick with the measles in an area of Washington state just north of Portland, Oregon. 

On Tuesday, January 22 the public health department of Clark County, Washington, announced that at least 23 people were sick with the viral illness, which incubates for a week or two before prompting fevers, coughing, runny noses, and little red bumps that break out on the face and body. 

By that Thursday, the number of confirmed measles cases had ballooned to 25, with 12 more suspected cases. A day later, the number rose to 30 confirmed cases. To date, at least 65 people have fallen sick with the measles in Clark County, in an outbreak that's now costing Washington state more than $1 million.

The illness can be deadly.

Forty-seven of the sick people are age 10 or under, and so far the public health department has confirmed that 57 of the 65 didn't get their measles vaccine. One person was hospitalized, but has since recovered.

Even though the vast majority of cases are in unvaccinated kids, at least two people who had received a single dose of the measles vaccine got sick, too. It's a harsh reminder that the vaccine is not perfect. Still, a full course of two doses is about 97% effective at stopping the measles, while that single dose is 93% effective.

The sickness is also spreading beyond county lines. One man in his 50s who said he'd been in Clark County took measles home with him to King County, Washington. He's since recovered, but county health experts are still worried. 

"Measles is a highly contagious disease and if you don’t have immunity, you can get it just by being in a room where a person with measles has been," Dr. Jeff Duchin, Health Officer for Public Health in Seattle and King County, wrote on a blog that detailed locations where the man had been while he was infected. 

The outbreak is not confined to Washington State. Across state lines in Oregon, a resident of Multnomah County (the Portland metro area) has also contracted the measles, the Oregon Health Authority confirmed Wednesday. Two infected, unvaccinated kids recently traveled from Washington to Hawaii, but they were quickly quarantined and have since left the Big Island, The Oregonian reported. Two more of the people who contracted the measles in Clark County have since moved to Georgia, where vaccination rates are higher.

This is exactly the kind of scenario public health experts have been warning about. In 2018, the World Health Organization said measles cases had surged by 30% around the globe, with some of the biggest hikes in places like the US and Europe, where more parents are opting not to give their kids recommended shots like MMR (protecting against measles, mumps, and rubella).

"This is something I've predicted for a while now," Peter Hotez, the dean of the National School of Tropical Medicine at Baylor College of Medicine, told The Washington Post. "It's really awful and really tragic and totally preventable."

A perfectly good, safe measles vaccine

measles vaccine in iraq

The measles vaccine was developed in the US in 1963. Before then, measles was a common childhood ailment that would kill 400 to 500 people every year in the US and sicken 3 million to 4 million others. As more kids got shots and oral doses of the vaccine in the decades after 1963, measles rates plummeted.

In 2000, the Centers for Disease Control and Prevention said measles was effectively eliminated in the US, because the virus was not being transmitted year-round anymore and there were fewer than 100 cases per year. But increasingly, kids in the US are going without their shots.

Read more: Bill Gates says investing in 4 simple plans has saved millions of lives and provided a better return on investment than the stock market

an abandoned measles ward

Outbreaks in the US have more become common where unvaccinated people cluster and parents sometimes forgo shots for religious or personal reasons. There was one in the Orthodox Jewish community in Brooklyn late last year and in Amish communities in Ohio in 2014.

Other parents mistakenly believe that there's a link between autism and the measles vaccine. This is chiefly because of discredited research by the scientist Andrew Wakefield. His main paper on the subject has been retracted, and many other studies since then have found no link between autism and vaccines. But the spread of misinformation and anti-vaccine campaigns (like those that targeted a Somali-American community in Minnesota) have led to more frequent outbreaks.

A 2018 report on the state of the US "social movement" not to vaccinate children found that Portland was one of the more dangerous "hotspots" where people weren't vaccinating their kids despite doctor recommendations. (Other spots of concern included Seattle, Phoenix, Salt Lake City, Houston, and Detroit.)

"Without urgent efforts to increase vaccination coverage and identify populations with unacceptable levels of under- or unimmunized children, we risk losing decades of progress in protecting children and communities against this devastating, but entirely preventable disease," Soumya Swaminathan, a deputy director general at the WHO, said in a recent statement.

2014 and 2018 were both banner years for measles in the US, with 667 and 349 confirmed cases.

What a measles infection looks like

child with measles CDC

There's really no way to prevent someone from getting the measles other than a vaccine. The virus can easily spread when an infected person coughs, sneezes, or breathes on others.

It takes one to two weeks after the infection for measles symptoms — which can include, fever, cough, runny nose, and watery eyes — to show up in a kid.

Often, parents notice white spots, called Koplik spots, appearing in an infected child's mouth about two to three days after the onset of symptoms. After a few more days, a rash breaks out, and flat red spots that may first appear on the face can cover the child from head to toe, developing into raised bumps.

With any luck, the rash and fever persist for only a few days before the child gets well again.

But deadly measles complications affect about one in every 1,000 people with measles. These can include pneumonia, encephalitis (brain swelling), and a rare disease called subacute sclerosing panencephalitis that doesn't show up until seven to 10 years after a person has had the measles.

Before 1963, about 4,000 Americans developed brain swelling from measles every year. The encephalitis, when it didn't kill them, sometimes left people deaf or with brain damage.

Update: This story was originally published on January 23 and has been updated with the latest measles case counts.

SEE ALSO: Bill Gates says investing in 4 simple plans has saved millions of lives and provided a better return on investment than the stock market

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A woman discovered an Australian python had slipped into her shoe and traveled 9,000 miles with her

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Spotted python 2.JPG

  • After flying 9,000 miles from Australia to Scotland, a woman found an Australian python in her shoe.
  • It was a surprise.
  • She called the Scottish SPCA for help. 
  • They removed the snake, which is not venomous, and quarantined it. 
  • Yes, it is just like the 2006 movie "Snakes on a Plane." Thanks!

After returning from a vacation in Australia, a Scottish woman found an unwelcome surprise in her suitcase. Nestled in one of her sneakers was an Australian python.  

Evidently, the snake had stowed away in Mary Boxall's luggage at some point during the 9,000-mile journey from Queensland, Australia, to Glasgow, Scotland, unbeknownst to her, CNN reported

Spotted python 3.JPG

Read more: A woman was bit by a 5-foot python that had been hiding in a toilet, and it's truly the stuff of nightmares

When Boxall discovered the reptile, she called the Scottish SPCA for help.

"I responded to a call from a woman who had just returned from a holiday in Australia who had found a small snake inside her shoe in her suitcase," Scottish SPCA animal rescue officer Taylor Johnstone said in a statement to INSIDER. "When I arrived, the snake had been contained by the caller, so I safely removed the snake from the property."

Spotted python 2.JPG

Johnstone said the snake was examined and safely removed from the woman's home in Bridge of Allan.

"Upon examination, the snake was found to be a spotted python which is not venomous," Johnstone said. "The snake is now in quarantine at our animal rescue and rehoming center in Edinburgh."

Spotted python 1.JPG

This incident calls to mind the 2006 movie "Snakes on a Plane." In the film, Samuel L. Jackson plays an FBI agent who must fend off a pack of venomous snakes that are released in an airplane in an attempt to kill a witness also aboard the flight. 

As they say, life imitates art because this is not the first time this has happened.

First, in 2012, an Egypt Air flight was forced to make an emergency landing after a snake bit a passenger who had smuggled the reptile on board, as CNN reported at the time. Then in 2016, as CNN reported, animal control had to intervene when a rogue snake dangled in the cabin during an Aeromexico flight. And yes, there's video.

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Taxpayers are seeing smaller refunds across the US — here's how much the average person gets back in every state

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average tax refund every state 2019 map

  • Tax Day 2019, the last day to file your 2018 tax return, is Monday, April 15.
  • Yourtax refund will typically be available within 21 days if you file electronically.
  • The average federal tax refund for the 2017 tax year was $2,727, but the figure varies by state.
  • In some states, including New York, Texas, Oklahoma, and Louisiana, the average tax refund tops $3,000.

You can now submit your tax return and wait for your refund.

The IRS sent $324 billion back to taxpayers in 2018; the average tax refund was $2,727. According to early IRS data, tax refunds are down this year, drawing the ire of many Americans. Despite widespread belief that lower refunds are due to President Donald Trump's new tax law raising taxes for the middle class, the truth is that most middle-income Americans received a tax cut this year, and experts say the size of a person's refund is not indicative of their tax bill.

Business Insider analyzed data from the IRS to find the average federal tax refund in each state and Washington, DC. To do so, we looked at the total income tax refund for each state for fiscal year 2017 (or tax year 2016) and divided it by the number of refunds there.

Maine had the lowest average tax refund, with $2,336, while Texas had the highest, with an average of $3,206. Northern states were more likely to receive smaller tax refunds — seven of the 10 states with the lowest average refunds share a border with Canada.

California, the most populous state in America, led the way with the most refunds and largest total amount in refunds but missed the top 10 in average refunds, coming in at No. 11. Wyoming, the least populous, had the fewest refunds, but residents had the 7th-highest average tax refund.

This tax season is the first under President Trump's new tax law. Some Americans may see a refund either bigger or smaller than they're used to if they didn't adjust their withholdings after the tax law took effect.

Getting a smaller tax refund may be a smart move, says Business Insider's Lauren Lyons Cole, a certified financial planner. She says that overpaying your tax bill by withholding too much from your paycheck is basically an interest-free loan to the government.

Scroll through to see how much the average person gets back in every state, ordered from the biggest federal tax refund to the smallest. We also included the total amount in tax refunds in each state and the number of federal tax refunds received.

Matthew Michaels contributed to an earlier version of this post.

SEE ALSO: How to use H&R Block to file your taxes for free in 2018

DON'T MISS: Many Americans are freaking out about getting a smaller tax refund this year — here's why it's happening

Texas

Average refund: $3,206

Number of refunds: 10,087,693

Total income tax refunded: $32.3 billion



Louisiana

Average refund: $3,115

Number of refunds: 1,611,412

Total income tax refunded: $5 billion



Connecticut

Average refund: $3,099

Number of refunds: 1,396,609

Total income tax refunded: $4.3 billion



See the rest of the story at Business Insider

Serena Williams delivers an inspiring message in Nike's follow-up to its controversial Colin Kaepernick commercial

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Serena Williams

  • Nike debuted its follow-up to their 2018 Colin Kaepernick-starring commercial "Dream Crazy" during the Oscars on Sunday night.
  • The new ad stars Serena Williams and follows a story similar to that told in the Kaepernick commercial, with Williams turning critics that call her and other women athletes "crazy" into motivation.
  • Other athletes featured in the new commercial include gymnast Simone Biles, snowboarder Chloe Kim, and fencer Ibtihaj Muhammad.

In 2018, Nike released an ad entitled "Dream Crazy," starring former San Francisco 49ers quarterback Colin Kaepernick.

On Sunday, Nike debuted their follow-up to the campaign during the Oscars, with tennis superstar Serena Williams starring in the 90-second spot, alongside gymnast Simone Biles, snowboarder Chloe Kim and fencer Ibtihaj Muhammad, and more.

Williams narrates the commercial through a similar story told in the Kaepernick spot, this time focusing on the issues women face in the sports world.

Read more:Here's the backstory of everyone who appeared in the new Nike ad featuring Colin Kaepernick

"If we show emotion, we're called dramatic. If we want to play against men, we're nuts. And if we dream of equal opportunity — delusional," Williams says. "When we stand for something, we’re unhinged. When we're too good, there's something wrong with us. And if we get angry, we're hysterical, irrational or just being crazy."

"So if they want to call you crazy, fine," Williams concludes. "Show them what crazy can do."

You can watch the commercial below.

Nike's first "Dream Crazy" ad came under criticism from some who argued against his protesting of police violence and racial inequality in the justice system during the national anthem but was embraced by an even wider audience, making it one of the most successful commercials of 2018.

Read more:The 10 best ads of 2018

With the follow-up starring Williams, Nike once again found a new way to broadcast its message of "Just Do It" in an inspiring manner.

SEE ALSO: A Colorado store that refused to sell Nike apparel after the brand released its Colin Kaepernick ad is going out of business

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Jeremy Corbyn backs second Brexit referendum

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Jeremy Corbyn

LONDON — The Labour Party will this week either support or table an amendment which calls for a new referendum on Brexit, leader Jeremy Corbyn has announced.

In a move that will delight anti-Brexit Labour MPs and the the party's overwhelmingly pro-EU membership, Corbyn said he will "put forward or support an amendment in favour of a public vote to prevent a damaging Tory Brexit."

This means that for the first time, Labour will tell its MPs to support an amendment which calls for a new referendum.

The big move comes after a handful of MPs quit Labour last week, citing Corbyn's refusal to back a new referendum as one of the reasons for their dramatic departure. 

Labour MP David Lammy, a leading supporter of the People's Vote campaign for a new referendum, said: "It is welcome news that the Labour Party is now, at long last, signalling it will accept the principle of giving the public the final say on Brexit.

"Even if MPs can agree some sort of deal, it would be wrong to force it on the British people when we now know so many of the promises made in 2016 have been broken and any deal will be worse than the one we’ve already got inside the EU."

He added: "These are dangerous times for the Labour Party and our country. Jeremy Corbyn is today taking the first step to reunite our party by showing he is listening to our voters and members on this, the biggest issue of our time

"But it is also crucial when food prices are already rising and car manufacturers are scrapping investment that we provide the clarity needed to plan for the future."

More follows...

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Hedge funds were still loading up on certain stocks as the market tanked in late 2018. These are their 9 new favorites.

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  • Hedge funds kept loading up on certain stocks during the market's late-2018 plunge, according to Goldman Sachs.
  • The firm's revised "hedge fund VIP" list is still dominated by big tech stocks, but Goldman says hedge funds are putting more money into smaller tech companies and health care leaders as well.
  • Goldman reveals the nine new stocks that made their way on to the list in the fourth quarter of 2018.

As the market burned in late 2018, hedge funds still showed an appetite for video games and discount merchandise.

That's according to Goldman Sachs, which analyzed the holdings of 880 hedge funds at the end of last year. The firm was revising its "Hedge Fund VIPs" list, which is made up of the companies most frequently found in the top 10 holdings of funds that invest based on fundamentals.

Goldman devised the group to help investors "follow the smart money," and says the VIP index has beaten the stock market in 62% of quarters dating back to 2001. It's up 14% so far in 2019 compared to an 11% gain for the S&P 500.

When all was said and done, nine new stocks made their way on to Goldman's VIP list. Five of those additions were in the tech/internet sectors.

The most popular new stock, according to analyst Ben Snider, was health insurer Cigna. While Cigna has notably underperformed the broader market so far this year, most of the new additions to the VIP list have made larger gains than the S&P 500.

The top holdings overall were also dominated by tech and internet companies like Amazon and Microsoft. That reflects a strong preference among hedge funds for cyclical stocks that stand to do better during periods of strong economic growth.

More defensive stocks might as well be blocked by a bouncer and a velvet rope: There are no household goods or real estate stocks on the VIP list.

Without further ado, here are the nine new entries into Goldman's VIP list, as of Dec. 31, 2018.

Cigna

Ticker: CI

Industry: Health care

Market cap: $73.8 billion

Source: Goldman Sachs



GoDaddy

Ticker: GDDY

Industry: Internet services

Market cap: $13.3 billion

Source: Goldman Sachs



Marathon Petroleum

Ticker: MPC

Industry: Energy

Market cap: $44.9 billion

Source: Goldman Sachs



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YieldStreet, a startup that offers access to investments ranging from savings account to shipping loans, just raked in $62 million in venture funding

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YieldStreet’s Michael Weisz and Milind Mehere

  • YieldStreet, a financial platform offering alternative investment products, raised $62 million in new funding.
  • The new funding round will be used to recruit more staff, said YieldStreet's CEO and cofounder Milind Mehere. The company meanwhile is eyeing acquisition opportunities to expand its operation.

YieldStreet, a financial platform that offers exotic investment products like marine finance and loans to law firms to the mass affluent, has raised $62 million in a new round of funding. 

The New York-based startup said on Tuesday that its new round is led by Edison Partners, alongside participation from Raine Ventures, the venture capital arm of New York merchant bank The Raine Group, Greenspring Associates and a multi-billion family office in New York. Founded in 2015, YieldStreet has raised a total of $178 million.

The new funding round will be used to recruit more staff, said YieldStreet's CEO and cofounder Milind Mehere. The company is also eyeing acquisition opportunities.

YieldStreet offers alternative investments to accredited investors, who earn at least $200,000 a year or have $1 million in net worth, and requires a minimum investment of $5,000. Rather than conventional assets like stocks or bonds, the company's portfolio consists of loans to commercial real estate projects, small businesses, and law firms.

It also allows investors to finance cargo vessels that ships dry-bulk commodities like grain and coal. The company has accumulated assets of over $607 million from over 100,000 investors. It's returned nearly $300 million, including principal and interest payment. 

Read more: SoFi is jumping into crypto trading as the $4 billion fintech looks to become a financial hub for Main Street

It's a riskier proposition than investing in the traditional equity markets, though returns are higher. 

Since its inception in 2014 through December 31, 2018, YieldStreet's expected internal rate of return was around 12.4%, Mehere said. The firm hasn't calculated annualized yield, he said.

YieldStreet is also considering expanding its clientele beyond accredited investors. The company plans to launch an investment vehicle targeting more mainstream investors, said Mehere, and the product would function the same way as an index fund, giving them access to diversified investments in a single portfolio.

While the company is still in its talk with regulators for the potential offering, it aims to roll out the product in the second quarter of this year, Mehere said.

The investments offered by YieldStreet are not without risks. But Mehere said the investment offerings are backed by tangible assets, with protection against default.

"YieldStreet investments are just a different type of risk that we educate investors on," he said. "Investor education and transparency is core to our 'Investor First' approach. All YieldStreet investments are backed by assets that generate cash flow such as a real estate property or shipping vessel, with asset protection elements in place to protect investor principal in the unlikely event of a default."

Read more: Robo Wealthfront is launching a high-yield savings account as it looks to manage more millennial cash

Following other fintechs like Wealthfront and M1 Finance, YieldStreet recently introduced a FDIC-insured high-yield savings account, which offers 2.2% interest. The new offering is a partnership between YieldStreet and Evolve Bank & Trust. 

"Interest rates have been very depressed coming out of recession, and in the last two or three years, they have gone up," Mehere said. "And if you look at the last ten years, there were always small community banks or smaller regional banks offering these interests, which were not widely available. Through technology and APIs, a non-financial services company can partner with banks and offer good customer service. So we went out and found the right banking partners that were willing to offer a good interest rate. "

Sign up here for our weekly newsletter Wall Street Insider, a behind-the-scenes look at the stories dominating banking, business, and big deals.

 

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New York wants drivers to pay for its crumbling subway

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nyc traffic

  • New York City could be the first US city to charge drivers to enter its most crowded areas. 
  • Gov. Andrew Cuomo proposed a 10-point plan to fix NYC's crumbling subway on Tuesday that includes a toll for drivers in Manhattan. 
  • The plan must be approved by the state legislature and could take effect by December 2020. 

New York Gov. Andrew Cuomo officially proposed a congestion charge on drivers entering Manhattan's central business district on Tuesday in order to fund badly needed repairs to the city's crumbling subway

If implemented, the toll could be the first of its kind in the United States. There's no word yet on what drivers will pay to drive south of 61st street, but Cuomo said it will be variable based on time of day and will be paid electronically.

"Congestion pricing is an idea whose time has come," the gov. told WNYC's Brian Lehrer. "We've talked about it for years, and we've tried to get it one for years. I believe this is the year to actually get it done."

The proceeds will go to the Metropolitan Transportation Authority's — the state agency in charge of the subway, as well as buses and commuter railroads — capital budget, in order to fix the subway, which has been in a state of emergency for more than a year.

"The alternative to congestion pricing is a fare increase, which could be as high as 30 percent," Cuomo said. "I think that's wrong. It's wrong to further burden the riders."

Instead, the new plan proposed on Tuesday charges drivers — 98% of whom come from out of state, the Gov. said.

The ten point plan will also include management restructuring at the MTA, which Cuomo says is stuck in a 1960s mentality.

Read more: New York’s MTA is launching a first-of-its-kind tech accelerator to help fix its crumbling subway and slow buses.

"We need a better management structure at the MTA," Cuomo said. "It's a 1960s style holding company with a 1960s mentality. We need to change the culture and make the board operational and functional so we know we're getting efficiency from the riders' fares."

Mayor Bill de Blasio, who has previously voiced hesitation in supporting a toll for drivers entering Manhattan, is also a proponent of the new proposal.

London, one of the most well-known examples of a congestion charge being successfully implemented, saw a 10% drop in total traffic volume in its toll zone after implementing the program in 2003. It's also generated some 1.2 billion GBP for the region's transportation authority.

And across the US in Los Angeles, the chief executive of the city's transportation agency has touted congestion pricing as a way to not only reduce traffic — but also make transit free.

But for now, at least, the fate of congestion pricing in the US is in the hands of New York State's legislature, which must approve Gov. Cuomo's plan. 

Here's the full 10-point plan, as released by the Governor's office: 

1. MTA will develop a reorganization plan to make the agency more efficient and effective. The antiquated structure will be fundamentally changed to centralize common functions among the 6 existing entities. Currently - NYCTA, LIRR, Metro-North, MTA Capital Construction, MTA Bus, SI Railway - operate as 6 separate entities.  This 1968-designed "holding company" structure makes coordination more difficult and expensive. All common functions such as construction management, legal, engineering, procurement, human resources, advertising etc. will be consolidated and streamlined in a central operation. The individual divisions will focus on day-to-day management of their primary operation. The restructuring plan will be completed by June of this year. The restructuring plan must be coupled with a change in culture, which will generate fresh ideas and new perspective from new and recently appointed senior and mid-level management recruited from the private sector and other cities and states.

2. The MTA Transformation Plan would include a congestion pricing financing model.  Electronic tolling devices would be installed on the perimeter of the Central Business District (CBD) defined as streets south of 61st St. in Manhattan.  The FDR Drive will not be included in the Central Business District.  The electronic tolling system will account for tolls previously paid by drivers entering Manhattan from designated crossings. The system will be installed and operated pursuant to an MOU between the City of New York and the MTA for the purposes of ensuring the timely completion of the installation of congestion infrastructure in order to effectuate a congestion pricing plan, and recognizing the expertise of the TBTA for purposes of running and operating cashless tolling systems and City agencies for purposes of the use and impact of infrastructure installation on City streets.  Tolls would be variable providing discounts for off-peak hour travel.   Emergency vehicles will be exempt from congestion pricing tolls. Other exemptions or discounts will be provided to a limited group of vehicles entering the CBD including vehicles operated by or transporting people with disabilities and individuals who have an identifiable hardship or limited ability to access medical facilities in the CBD. Congestion pricing tolls would be supplemented with State and City revenue from a fixed amount of the new internet sales tax derived from sales in New York City, with a growth factor, and a percentage of the State and City revenue from the cannabis excise tax.  Congestion pricing revenue and these two taxes will be placed in a 'lockbox' to provide a funding source necessary to ensure the capital needs of the MTA can be met, with priority given to the subway system, new signaling, new subway cars, track and car repair, accessibility, buses and bus system improvements and further investments in expanding transit availability to areas in the outer boroughs that have limited mass transit options.  Tolls will be set once the electronic infrastructure is in place and a Capital Plan is finalized but will in no event be set later than December 2020.

3. The MTA fares for public mass transportation must be controlled in future years through cost containment actions and improved management. The MTA should be able to operate with mass transit fare increases limited to inflationary increases of 2% per year.

4. All MTA Board appointments will be modified so that all terms end with the appointing elected official's tenure.

5. Partnership between the State and City is necessary to combat fare evasion.  We cannot have a voluntary fare system and still maintain a system that ensures operational stability.  The State will work with the MTA, City and District Attorneys to develop an enforcement strategy, with both personnel and station design modifications that do not criminalize fare evasion but instead prevent fare evasion, sanction violators and increase enforcement.

6. The MTA will undergo an independent audit to determine their actual assets and liabilities.  The initial audit should be completed no later than January of 2020. The forecasts, projections and capital plans they have put forth strain financial credibility.

7. The Capital Plan shall be reviewed by a committee of transportation, engineering and government experts who have no existing financial relationship with the MTA (The Regional Transit Committee, "RTC").  The Committee will have appointees by the Governor, Mayor, State Assembly and Senate, and organizations representing subway riders and driving commuters.  The RTC will also review the toll and fare increases proposed by the MTA as necessary to fund the Capital Plan.

8. The MTA will have all major construction projects and planned projects pursued as "design build."  The MTA will do preliminary drawings only to the point necessary for bidding the project in a private sector competition based primarily on cost and timing of the project.  Selections will be made with incentives and sanctions for performance.  All major construction projects will be reviewed by construction and engineering experts who are not affiliated with the MTA or its consultants.  The construction review team will be headed by the Deans of Cornell School of Engineering and Columbia School of Engineering to assure state of the art design and technology is being deployed.  This group will also review the plans for signal system upgrade methodology and decide the best system to use, specifically comparing Communications Based Train Control (CBTC) to Ultra-Wide-Band (UWB) technology for safety, timeliness and cost.  The MTA will be more aggressive in debarring failed contractors.

9. The MTA will immediately expedite the completion of the Subway Action Plan including: signal repair; water management; station enhancements; rail welding; friction pad installation; increased refurbishment efforts; and other service improvements.

10. The Governor and Mayor will work closely with the Legislature to effectuate provisions in this framework.

SEE ALSO: The head of LA public transit just outlined a plan to make buses and trains free for everyone by 2028 — but most people are going to hate it

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Marie Kondo's Netflix series is boosting sales of shredders and organizing supplies

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marie kondo konmari netflix tidying

  • Marie Kondo's Netflix show appears to be actually influencing how Americans shop — and forcing them to tidy up their homes. 
  • In January 2019, sales of file storage supplies, shredders, and specialty labels all grew following the debut of the Netflix series "Tidying Up with Marie Kondo," according to data from The NPD Group.  
  • "[R]etailers and brands have an opportunity to help the consumer take control of their 'joy' by helping them remove what is distracting, and enhance what promotes a mindful life," said NPD industry analyst Leen Nsouli.

Marie Kondo, tidiness expert extraordinaire, is forcing America to clean up its act. 

In January 2019, sales of file storage supplies, shredders, and specialty labels were all up year-over-year following the debut of the Netflix series "Tidying Up with Marie Kondo." 

Dollar sales of filing and file storage supplies were up 3% while shredders grew 2%, according to data from The NPD Group. Meanwhile, unit sales of specialty labels grew 4% in January after dropping 4% in 2018. 

"In a time when health, wellness, and mindfulness have become essential values to consumers' daily operation, retailers and brands have an opportunity to help the consumer take control of their 'joy' by helping them remove what is distracting, and enhance what promotes a mindful life," Leen Nsouli, an NPD industry analyst, said in a statement.

"Sometimes, we don't realize just how many big bags of unnecessary stuff we have accumulated in our closets, homes, offices, and classrooms over the years," Nsouli added. 

Read more:Marie Kondo's interpreter reveals what it's really like working on 'Tidying Up'

The organizing business isn't the only category thriving in the age of Marie Kondo. Thrift stores across the US have seen a dramatic increase in donations, NPR reports.

Kondo established herself as an organization guru with the publication of  "The Life-Changing Magic of Tidying Up: The Japanese Art of Decluttering and Organizing," which landed her on Time's 2015 "Top 100 Influential People" list. The Marie Kondo method is centered on identifying which objects "spark joy"— and then getting rid of the rest. 

SEE ALSO: Anheuser-Busch CMO breaks down how Bud Light and Budweiser are facing 'brutal facts' as millennials ditch beer

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A photographer visited North Korea 6 times to see what life is really like — here's what he saw

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NorthKoreaPhotos

  • President Trump and North Korean leader Kim Jong Un are set to meet this week in Hanoi, Vietnam.
  • Photographer Eric Lafforgue has visited Kim Jung Un's North Korea six times to photograph life in the totalitarian country. 
  • Lafforgue was banned after his sixth trip to North Korea, in 2012, after he made an off-handed comment about a group of Spanish tourists visiting the country.
  • Much of what he saw was the more affluent areas of North Korea, like Pyongyang, but he requested to visit far-flung destinations. He found that the further he traveled from Pyongyang, the more he saw the poverty in which most North Koreans live.

 

After publishing hundreds of photos from six visits to North Korea, it was an offhand comment that got French photographer Eric Lafforgue banned.

Lafforgue had seen Spanish tourists wearing Kim Jung Il shirts and told a friend that they likely wouldn't wear them in Barcelona. The Spaniards heard it and told the guide. One month after returning from the trip, he received a letter with screen captures of his photos, saying they were not good for North Korea and that he could not return.

That was in 2012.

"They know that when I come, I take pictures. They prefer the tourism money, until it causes a problem for one of the people in charge," Lafforgue told Business Insider.

Lafforgue has always been well aware of this, but throughout the years, he's played "their game," as he calls it, to produce some incredible photography. 

“The North Korean regime controls everything that goes out of the country,” he said. “Even me, when they let me take a picture of kids smiling, its because it's good for the country. I take those pictures because there is a real part of the people that are happy and I want to document that ... North Koreans are brainwashed, but they live like everybody in the world.” 

Lafforgue shared a stunning selection of photos from his many trips to North Korea with us. Many of the photos are available in a calender Lafforgue produced with North Korea-watching website NK News.

SEE ALSO: 'Treated like animals': A North Korean defector tells the brutal story of what happened to him after he was caught trying to escape

This is Pyongyang airport, where Lafforgue flew into.



All tourists must go on a guided tour when they visit North Korea. According to Lafforgue, the guides show more to tourists than stated journalists, so he always declared himself a tourist.



Each time Lafforgue visited, the guides tried to take him on the same "classic" tour to the expected sites.



See the rest of the story at Business Insider

The easiest ways to make money from your old junk

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yard sale

  • If you've been bitten by the Marie Kondo bug and you're cleaning out your home, you're also probably looking for a way to sell your stuff.
  • Clothing can be sold in a multitude of ways, from apps like Depop and Poshmark, all the way to traditional consignment stores.
  • Many old smartphones can be traded for a gift card or store credit.
  • It's vital to appraise antiques or expensive jewelry to make sure you're getting the most bang for your buck.

In recent months, the Marie Kondo craze has been sweeping the nation. Many people have been inspired by the author and professional organizer to tidy up their homes and lives, keeping the items that "spark joy" and nixing everything else.

But there seems to be a step missing from that process: what do you do with the stuff you've decided to get rid of? Do you simply toss it? Or, can you get money for old antiques, clothes, and other miscellaneous items?

Turns out, you can. Here's a list of simple ways you can get rid of your old junk, and make a buck while you're at it.

Selling clothes to a consignment store is a great way to make a dollar

consignment store

If your clothing is still in good shape but you no longer need it, selling it to a consignment shop is a great way to make a quick buck.

Consignment stores can vary, from super upscale to affordable resale, it all depends on the type of clothes you're trying to get rid of. The better condition the clothing is in, the likelier it is the store will give you more money for it. Make sure to do your research before bringing your clothes into the store.

According to the Huffington Post, "usually the seller is charged between 25 percent and 60 percent commission so that the store can make a profit," which also guarantees that you make a profit.

There's also a myriad of apps designed for selling used clothing and other items

Poshmark lets you upload a picture of your clothing item, and share it with a network of almost 5 million shoppers. You can price the clothes as you see fit, and Poshmark will even send you a free shipping label to cut down costs.

Depop is a similar app, in which you can buy and sell your favorite used, trendy clothing via your phone.

LetGo is also great for clothes, extending its reach to items like home goods while focusing on local sales. This neighborly approach eliminates postal fees, making your transactions more personal (and hassle-free). 

According to INSIDER, there's also Tradesy, which "gives you price flexibility (but also offers sales support and photo editing), carries brands from Gap to Louis Vuitton, and allows you to snap your own item photos."

Finally, if you're looking to sell high-end clothes, it's hard to beat The RealReal— you'll make 50-70% of the final sale price, per INSIDER.

You can usually get a gift card with store credit for your old phones

iphone how to send balloons confetti message effect karlie kloss

Assuming you've taken good care of your phone, there are several ways to make money off it. Gazelle is one of those ways — it's an app through which you can sell your old smartphones, tablets, and many other devices.

Even if your phone is pretty banged up, cracked screen and all, chances are Amazon or Best Buy can still give you money for it in the form of a small gift card.

You can also go into the Apple store and trade your phone for immediate store credit, or mail in your used phone for an Apple gift card.

If you've got an odd item that you're not sure how to sell, try a pawn shop 

pawn shop window

Be sure to do your research before choosing a pawn shop. Look up ones in your area and beyond. Many have specialties or specialists, so if you have a unique item, the perfect seller may be just around the corner.

Don't be afraid to negotiate prices, and make your items look as appealing as possible before you bring them in.

If you want to sell your antiques, you may need an appraiser 

antique fair

If you think you have a seriously valuable antique on your hands, getting it appraised is a must. 

You can hire an independent appraiser for an hour or two, which usually costs at least $200, for their professional assessment. 

There are appraisers for almost everything under the sun, and you can find certified ones via the American Society of Appraisers, Appraisers Association of America, or the International Society of Appraisers.

Another option is taking your item into an antique or vintage shop and having the staff appraise it there.

You can always sell you stuff on Craigslist and eBay 

There's a reason Craigslist and eBay have become household names — they're a convenient, effective way to sell old stuff.

If you're new to the ways of the online marketplace, eBay and Craigslist have outlined step-by-step processes to get you started. Detail is your friend. Be sure to describe exactly what it is you're selling on the site, and remember to be courteous to potential buyers.

Take any valuable jewelry to a jeweler

jewelry

In order to avoid scamming, it's also necessary to get your expensive jewelry appraised. You can find a certified appraiser via the National Association of Jewelry Appraisers. 

Or you can stay local: The American Gem Society allows you to search for jewelry stores near you that are affiliated with the Society, and are "dedicated to consumer protection and ethical business practices."

The Washington Post recommends you get at least three price estimates before deciding how to sell your pricier pieces of jewelry. 

If you feel like throwing a party and selling everything at once, have a good, ol' fashioned yard sale

yard sale

Yard (or garage) sales have stood the test of time because they're so effective: you can sell everything all at once, and you don't have to leave your home to do it.

From clothes to paintings to tennis rackets, a yard sale is the perfect way to get rid of old junk while making a profit in one fell swoop. HGTV recommends pricing all your items beforehand, and using color-coded price tags to make it easier for buyers.

Display is everything. HGTV also suggests using tables, so buyers don't have to crouch down to the ground to see what you're selling.

Above all else, have fun with it: play some music, pour some refreshments, and let the money come to you.

Join the conversation about this story »

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America's top pharma CEOs face a drug-pricing reckoning in front of Congress (PFE, MRK, JNJ, ABBV, BMY)

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  • Seven leaders of major pharmaceutical companies are testifying about high US drug prices as part of a congressional hearing on Tuesday.
  • The executives are seeking to justify prices by emphasizing the value of their medicines to patients. They are also shifting blame to other parts of the US drug system like intermediaries.
  • But lawmakers are pushing the pharma executives on what they and their organizations can do to make change for patients.
  • "We've all seen the finger-pointing," said Chuck Grassley, the Republican senator from Iowa who's leading the hearing. "But like most Americans, I'm sick and tired of the blame game. It's time for solutions."

High US drug prices have been top of mind for many Americans lately.

On Tuesday, lawmakers are trying to get some answers by grilling executives from seven top pharmaceutical companies at a congressional hearing. The seven drugmakers, which include Merck, Pfizer, and Johnson & Johnson, collectively have a market value of $1.13 trillion.

The executives, in turn, are defending the value of their medications in treating a wide range of severe and debilitating diseases. Drugmakers must invest massive sums into researching and developing new drugs, a notoriously expensive process, the executives said in prepared remarks.

Many of the executives acknowledged that high drug prices affect people's ability to afford treatments, even as they shifted blame for high costs to the wider US healthcare system.

Read more:Everybody is talking about the high cost of prescription drugs. Here's who's actually responsible for the prices you pay.

Pfizer CEO Albert Bourla, for example, listed work his company has done in treating breast and lung cancer, leukemia, and meningitis B, as well as developing a promising non-opioid pain treatment.

A high-profile group heads to Washington

"All of these breakthroughs won't do anyone any good if patients can't afford them," Bourla said in his prepared remarks. "Our healthcare system is broken, and we need to fix it."

Read more:Here's why Big Pharma is cheering a new proposal from the Trump administration that's supposed to tackle high drug prices

Six of the seven companies sent their CEOs to Tuesday's hearing: Merck's Kenneth Frazier, Pfizer's Bourla, AbbVie's Richard Gonzalez, AstraZeneca's Pascal Soriot, Bristol-Myers Squibb's Giovanni Caforio, and Sanofi's Olivier Brandicourt. Johnson & Johnson sent Jennifer Taubert, an executive at the company's Janssen pharmaceutical unit. At least two medical doctors and one veterinarian/doctorate-holder were in attendance.

With such a high-profile cast, the healthcare industry has been abuzz about Tuesday's hearing for weeks. Drug pricing could also be a rare bipartisan issue this year, with President Donald Trump frequently raising it and the Democratic majority in the House making it a priority too.

Like most pharmaceutical companies, those called to DC have raised their prices over the years. Pfizer even got into a high-profile altercation over drug pricing with Trump last year, under its previous CEO, Ian Read.

The US spent an estimated $344.5 billion on prescription drugs in 2018, and the figure is expected to rise to $576.7 billion in 2027, according to projections from the federal Centers for Medicare and Medicaid Services.

The share of total US healthcare spending that goes toward drugs will increase to 9.7% from 9.4% over that time, according to the projections. The advent of new drugs and a push to consistently treat people with chronic diseases are projected to drive that growth.

AbbVie CEO Richard A. Gonzalez, AstraZeneca CEO Pascal Soriot, Bristol-Myers Squibb CEO Giovanni Caforio Johnson & Johnson executive vice president Jennifer Taubert, Merck CEO Kenneth C. Frazier Pfizer CEO Albert Bourla, and Sanofi CEO Olivier Brandicourt prepare to testify before the Senate Finance Committee hearing on drug prices.

How big pharma defends its prices

But the drugmakers on Tuesday emphasized problems in the healthcare system, including the role of rebates in keeping drug prices high. Drugmakers pay these discounts to intermediaries called pharmacy-benefit managers, which also benefit from high drug prices, and drug companies have sought to deflect blame to them in recent years.

Bourla and other executives alluded to this in describing "misaligned incentives" in the US health system that expose patients to high costs. Some of their suggestions for improvements on Tuesday included limits on the out-of-pocket costs seniors face in the government's Medicare Part D program, which covers prescription drugs.

Chuck Grassley, the Republican senator from Iowa who leads the Senate Finance Committee, indicated in his opening remarks that he's tired of efforts to deflect responsibility.

"We cannot allow anyone to hide behind the current complexities to shield the true cost of a drug," he said.

"We've all seen the finger-pointing. Every link in the supply chain has gotten skilled at that," he added. "But like most Americans, I'm sick and tired of the blame game. It's time for solutions."

See:One chart from a big pharma CEO reveals how drug pricing in the US really works

Democratic Sen. Ron Wyden of Oregon, the committee's ranking member, criticized the drug companies represented at the hearing, calling each out for things like price increases and stock buybacks.

US drug prices "did not become outrageously expensive by accident," Wyden said, but are "astronomically high because that's where pharmaceutical companies and their investors want them."

"The brakes have come off pharmaceutical pricing, and American families are hurtling along in the passenger seat, terrified of what comes next," he added.

Democratic Senator Ron Wyden of Oregon drug pricing

Read more:Congress will grill 7 top pharma executives over the high cost of drugs tomorrow. Here's how they're set to shift the blame.

A lifesaving product gets scrutinized

Wyden also criticized Sanofi for price increases it has taken on insulin, a lifesaving product for people with diabetes.

Insulin has been of interest to patients and lawmakers. It was a focus of a previous Senate Finance Committee drug-price hearing and of a bipartisan investigation launched on Friday by the two leaders of the committee, Grassley and Wyden.

Insulins have been sold for decades, and the market for the treatment should be competitive, with many drugmakers selling it. But that hasn't stopped prices from rising steeply in recent years.

In his prepared remarks, Brandicourt defended the price of Sanofi's Lantus, the top-selling long-acting insulin. Though average patient out-of-pocket costs for Lantus have risen, Sanofi's take-home has declined since 2012, he said. The drugmaker has said that discrepancy is due to the rebates it pays intermediaries.

Read more:Big drugmakers are sitting on billions of cash — and top pharma executives are hinting about big M&A to come in 2019

Analysts at Cowen said that while the hearing would "likely be great theater," they expected little concrete action from Washington to bring down the cost of drugs.

A big drug-pricing deal "gives President Trump a win on an issue Dems have called their own for more than a decade, particularly ahead of the 2020 elections," they said.

Join the conversation about this story »

NOW WATCH: What staring at a screen all day does to your brain and body

My wife and I tried this 20-pound weighted blanket — it put me to sleep in minutes and helped ease her anxiety

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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.

Quility Weighted Blanket

There's no shortage of articles touting the benefits of sleeping under a weighted blanket — we have written reviews of a few weighted blankets already here, here, and here.

This relatively new product allegedly helps with everything from autism and anxiety to ADHD and depression. The problem is there aren't any independent studies of these blankets that are peer-reviewed and published in reputable scientific journals. This doesn't mean weighted blankets won't work for you. There just needs to be more research before any definitive claims can be made.

That said, Quility recently reached out to us to see if we wanted to test their Premium Weighted Blanket. Below are my experiences with it, including a description of how it helped my wife cope with her anxiety disorder.

Style

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The Premium Weighted Blanket comes with a soft removable minky cover made of 100% polyester. The blanket has a grey cotton exterior and layers of polyester padding. The weight comes from millions of tiny, lead-free glass beads encased in two more layers of polyester to prevent leakage.

The blanket comes in four sizes, six cover colors, and seven weights meant to suit both kids and adults. Quility offers a useful infographic that can help you determine what size and weight are right for you. But, a good rule of thumb is that you want a blanket that is 10 to 12% of your body weight. So, if you weigh 180 pounds, your ideal blanket weight would be about 20 pounds.

The blanket sizes range from 36 inches by 48 inches for toddlers to 60 inches by 80 inches for adults. The weights range from 5 pounds to 25 pounds. You can pick from six different minky covers, including navy blue, gray, and patterns.  

I weigh 240 pounds and my wife is significantly less. So, we decided to split the difference and go with a 20-pound blanket in the 60 inches by 80 inches size. We chose the navy blue minky cover since it's the most popular option.

Set-up process

The blanket arrives in a big, clear-plastic, zip-up bag commonly used for comforters. The duvet isn't already on the blanket so you need to do that yourself. It took me about five minutes to get it tied in. I weighed the blanket with the cover on to see if it was indeed 20 pounds, and it turned to actually be 22.8 pounds.

Read more: The best mattresses you can buy online

What makes the blanket stand out

Quility Weighted Blanket 3

First of all, the weight of the blanket is well distributed. There aren't pockets where it's heavier than in other spots. Yet, it's still breathable providing a good amount of warmth without overheating. I sleep hot so this was a major bonus. The blanket reminds me of the lead vest they put on you at the dentist office when you get your teeth X-rayed.

The first couple of times I got under the blanket, I was asleep within two or three minutes. This included an unplanned nap. I never have trouble falling asleep with the Quility blanket. Instead, between the weight and the super soft and luxurious minky cover, I find it's so cozy that don't want to get out of bed.

The cover's zipper has a small, unobtrusive pull tab that never poked me. The cover is held in place with string ties along the perimeter of the blanket. Though it is a bit of a hassle to take the cover off and put it on, it was easy to wash and much better than trying to put the whole thing in the washer. You can put the duvet in the washing machine and dryer, but Quility doesn't recommend putting the actual blanket in there. Instead, you should hand wash it with a mild detergent and lay it flat to dry. I have used the blanket and washed it regularly for four months now, and it doesn't show any noticeable wear.

When it came to coping with her anxiety, my wife said, "This blanket is everything." It helps her to stop fidgeting at night so she can sleep. She still has some nights where sleep is rough, but they are less frequent and pronounced when she uses the weighted blanket.

Read more: Putting your comforter into a duvet cover is simple with our foolproof method — here's how to do it

Cons to consider

If you don't do a good job of really tying down the ties on the duvet, the blanket will bunch up, which is a real pain to deal with in the night. Of course, it's better than having no ties at all. So, just be sure to tie the cover down good.

At 60 inches by 80 inches, this blanket should be plenty long enough to cover my 6-foot body from neck to toe, but oddly enough, I find I have to sleep with it on a diagonal to get the coverage I want. This didn't make sense to me so I took out a tape measure to see if Quility was trying to pull a fast one on me.

My first measurement showed that the blanket was at least 6 inches short. But, once I really stretched it out, the blanket was in fact 60 inches by 80 inches. The problem is you don't sleep with the blanket perfectly flat on your body. It settles to fit your contours. This is why I couldn't get it to cover my whole frame. Even my 5-foot-9 wife noticed she had to adjust the blanket. I'd like to see Quility create a longer blanket.

Lastly, this blanket definitely gets in the way of intimacy. Since it isn't ideal for two people, either my wife uses it or I do. If we want to hold each other while sleeping, we must "tunnel" our way under the blanket. This takes some work. In fact, when you want to change positions in the night, like moving from one side to the other, it requires effort. Since using this blanket, my wife and I cuddle less.

The bottom line

Quility Weighted Blanket 4

Overall, I like the Quility Premium Weighted Blanket for lounging, especially when I'm lying down and reading a book. It makes me feel comfortable, almost like I'm back in the womb. For sleeping, I prefer not to use this blanket. However, I don't suffer from anxiety. Based on how much it has helped my wife, I would strongly recommend this blanket to anyone looking for another weapon to add to their anxiety-fighting arsenal.

Pros: Can calm anxiety so you can get a good night's sleep, cozy minky cover, easy to clean

Cons: May be too small for taller people, can get in the way of intimacy

Buy the Quility Premium Weighted Blanket on Amazon starting at $69.70

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How North Korean leader Kim Jong Un became one of the world's most feared dictators

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kim jong un

  • Kim Jong Un, the North Korean leader who is regarded as one of the world's most repressive and bombastic rulers, is meeting with President Donald Trump for the second time.
  • After a year of ushering in historic international peace agreements and much discussion over North Korea's nuclear arsenal, Kim's rule continues to cause concern on the world stage.
  • Despite his high-profile career, there is still relatively little known of the reclusive 35-year-old.
  • Here is the story of how he became one of the world's scariest dictators.

Kim Jong Un, the North Korean leader who has presided over his country's shocking, uninvited entrance into the nuclear club, is meeting with President Donald Trump for the second time on February 27.

Kim, current head of the family dynasty that's ruled North Korea since the 1950s, has overseen several nuclear tests, dozens of missile tests, and the most tense, heated exchanges with a US commander in chief in his country's history.

But between threats of nuclear annihilation, brinkmanship, and attacks on South Korea, Kim — who assumed leadership at such a young age that many thought his rule would be doomed — has kept a firm grip on power throughout.

With all this attention, still relatively little is known of Kim.

Here's what we do know of how he grew to be one of the world's scariest dictators.

Paul Szoldra and Veronika Bondarenko contributed to a previous version of this post.

SEE ALSO: Mystery children, sibling rivalries, and sudden disappearances: This is Kim Jong Un's family tree

SEE ALSO: The mysterious life of Kim Jong Un's wife, Ri Sol Ju — who probably has 3 children and frequently disappears from the public eye

Kim Jong Un was born on January 8 — 1982, 1983, or 1984.

His parents were future North Korean dictator Kim Jong Il and his consort, Ko Young Hee. He had an older brother named Kim Jong Chul and would later have a younger sister named Kim Yo Jong.

While Kim Jong Un's official birth year is 1982, various reports suggest that the year was changed for symbolic reasons, including that it was 70 years after the birth of Kim Il Sung and 40 years after the birth of Kim Jong Il.

But when the US Treasury Department sanctioned Kim Jong Un, the agency listed his official date of birth as January 8, 1984.



Kim, here with his mother, lived at home as a child.

During this period, North Korea was ruled by "Great Leader" Kim Il Sung. While Kim Jong Il was the heir apparent, Kim Jong Un's path to command was far less certain.



Then it was off to Switzerland to attend boarding school.

Called "Pak Un" and described as the son of an employee of the North Korean embassy, Kim Jong Un is thought to have attended an English-language international school in Gümligen, near Bern.

Kim Jong Un is described by former classmates as a quiet student who spent most of his time at home, but he had a sense of humor, too.

"He was funny," former classmate Marco Imhof told The Mirror."Always good for a laugh."

"He had a sense of humor; got on well with everyone, even those pupils who came from countries that were enemies of North Korea,"another former classmate told the German newspaper Welt am Sonntag. "Politics was a taboo subject at school ... we would argue about football, not politics."



See the rest of the story at Business Insider

A team of firefighters heroically rescued a distressed fat rat that was trapped in a sewer grate

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  • In Germany, a fat rat got trapped in a sewer grate, the BBC reported.
  • It took several volunteer fire-fighters to rescue the animal.
  • Animal rescuers said the rat likely got stuck because of its size.
  • Pictures and video of the rescue mission look intense.
  • The rodent has returned to her glorious sewer home.

On Sunday, animal rescuers in Germany sprung into action when they caught wind of a rat that was stuck in a manhole cover, the BBC reported.

So, one might ask, how does a rat get stuck in manhole cover? Well, animal rescuer Michael Sehr had some ideas, the BBC reported

"She had a lot of winter flab and was stuck fast at her hip — there was no going forward or back," Sehr explained to a German outlet.

And thus, she was trapped. Just look at her face!

rat trapped

Read more: A woman discovered an Australian python had slipped into her shoe and traveled 9,000 miles with her

The mission to rescue the animal was quite elaborate. Several volunteers were called to the scene. An album on the Berufstierrettung Rhein Neckar Facebook page details the experience.

From the looks — and sounds!  — of it, things got hairy. A team, yes a whole team, were called in to lift up the manhole cover and pry out the distressed rodent, who squeaked throughout the entire ordeal. 

 

But Sehr defended the course of action. After all, it was all in the name of the rat's wellbeing.  "Even animals that are hated by many deserve respect," he told the BBC.

dobby is a free rat

free free at last

So after all of that effort what happened to the rat, you might wonder. Was it someone's pet? Did it go to an animal sanctuary? Well, it should go without saying that she went back into the sewer, presumably to be with her rat friends. 

Join the conversation about this story »

NOW WATCH: We tried caviar sandwiches, and the results were kind of surprising

Pakistan hints at nuking India after cross border air strikes roil the white hot feud

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  • India on Tuesday launched airstrikes across its border with Pakistan in a military escalation following a terror attack in Kashmir that left 40 Indian troops dead.
  • Pakistan immediately convened a meeting of its nuclear commanders and issued a thinly veiled nuclear threat to India. 
  • The airstrike from India involved nuclear-capable aircraft and, according to India, killed up to 300 militants, but Pakistan says the Indian jets were chased off and killed no one. 
  • With China closely backing Pakistan and US support for India, the two rivals have long been seen as a potential flash point for a global nuclear conflict.
  • Both sides appear out for blood now as gun fighting cracks off on the border and Indians around the country celebrate what they see as vengeance for the terror attack. 

India on Tuesday launched airstrikes across its border with Pakistan in a military escalation following decades of bitter rivalry and a terror attack in Kashmir that left 40 Indian troops dead, and Pakistan immediately convened a meeting of its nuclear commanders. 

Gun fighting on the ground followed along India and Pakistan's de facto border after what Vipin Narang, an MIT professor and an expert on the two country's conventional and nuclear forces, called "India’s most significant airstrike against Pak in half a century."

The strikes happened after India's Prime Minister Narendra Modi unleashed the military to respond however it saw fit after the terror attack, which India blames on Islamist militants based in Pakistan.

India and Pakistan have fought three wars over the disputed territory, and analysts are closely watching the crisis for clues about whether it could escalate from airstrikes to a heightened nuclear posture.

Pakistan denies any involvement in the terror attack, but swiftly "took control" of the Jaish-e-Mohammed militants camp in question.

Read more:Pakistan readies military, hospitals for war with its nuclear rival India after Pulwama terror attack

Kashmir region 2004

India says its airstrikes killed as many as 300 Muslim separatist militants, but it is unclear whether the attack had any effect. Pakistan claims its air force scrambled fighter jets and chased India off, forcing the jets to hastily drop their bombs in an unpopulated area; Pakistan's prime minister called India's claims "fictitious."

India flew its Mirage 2000 jets for the mission, which it uses as part of its nuclear deterrent. The jets dropped more than 2,000 pounds of laser-guided bombs, according to News18.com. As a branch of India's nuclear forces, the Mirage 2000 fleet has some of the most ready aircraft and pilots, India Today notes

The strike took place about 30 miles deep into Pakistan's territory in a town called Balakot, Indian Foreign Secretary Vijay Gokhale said in a press conference

"The existence of such training facilities, capable of training hundreds of jihadis, could not have functioned without the knowledge of the Pakistani authorities," Gokhale said. The US has similarly accused Pakistan of harboring terrorists, and backed India's right to self-defense following the terror attack. 

Read more: India unleashes its military on Pakistan after a terror attack stoked the feud between the nuclear rivals

Maj. Gen. Asif Hafþór, the spokesperson for Pakistan's military, said that Pakistan successfully scrambled jets and scared off the incoming Indian Mirage 2000s, and also tweeted pictures of craters and parts of what could be Indian bombs.

"Payload of hastily escaping Indian aircrafts fell in open,"Ghafoor said of the images. It's unclear if India hit their targets, actually killed anyone, or simply dropped fuel tanks upon leaving Pakistan.

India's airstrikes hit relatively close to Pakistan's prominent military academies and capital of Islamabad, potentially raising concern among the military that it's at threat from further Indian strikes. 

Pakistan's nuclear threatPakistan Babur nuclear capable missile

At a press conference in response to the airstrikes, Ghafoor issued a veiled nuclear threat to India. 

"We will surprise you. Wait for that surprise. I said that our response will be different. The response will come differently,” Ghafoor said at a press conference.

Ghafoor continued that Pakistan had called a meeting of its National Command Authority, which controls the country's nuclear arsenal. 

"You all know what that means," Ghafoor said of the nuclear commanders' meeting in a press conference he posted to Twitter. 

Read more:We ranked the world's nuclear arsenals — here's why China's came out on top

But India has nuclear weapons and means to deliver them too. Additionally, both countries maintain large conventional militaries that have become increasingly hostile in their rhetoric towards each other. 

Best case scenario? Conventional skirmishes

india

India and Pakistan have fought three wars over the border and have nuclearized to counter each other's forces. With China closely backing Pakistan and US support for India, the two rivals have long been seen as a potential flash point for a global nuclear conflict.

Reuters' Idrees Ali reported after the strikes that gunfights had broken out along Pakistan and India's border. The two countries have fought three wars over the disputed region of Kashmir, which both countries claim but administer only in part. 

Both India and Pakistan now appear out for blood following the fighting. Reuters reported that all around India people were celebrating, and Modi praised the military as "heroes."

Meanwhile, Paksitan's denial that the airstrikes hit anything may give them some deniability and wiggle room to not respond with escalation, but hardliners within Pakistan will likely call for action. 

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Rewards-related offerings are the leading driver of consumers' credit card choices — but they can be pricey for issuers

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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.

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The average US consumer holds about three nonretail credit cards with a balance over $6,000, according to Experian. As confidence rises, spending is hitting prerecession levels. For banks, that should be a good thing, since credit cards are profitable. But the push to attract a particularly interested and engaged customer base through sign-up bonuses and lucrative rewards offerings has led banks into a rat race, with surging expenses and rising delinquencies that are hurting returns.

To make credit cards as valuable as they could be, and to bring returns back up, issuers need to direct their efforts not just toward becoming one of consumers’ three cards, but also toward becoming their favorite card. Rewards are more important than ever — three of the top four primary card determinants cited by respondents to a Business Insider Intelligence survey were rewards-related — so abandoning them isn’t effective.

Instead, issuers need to be more resourceful with their rewards offerings, focusing on areas that encourage habit formation, promote high-volume spending, and help to offset some of the rewards costs while building engagement and loyalty.

In this report, Business Insider Intelligence sizes the US consumer credit card market, explains why return on assets (ROA) is on the decline, highlights the importance of rewards in attracting customers, and lays out three next-generation rewards strategies that are popular among certain demographics, which issuers can implement to return their card business to profitability. To drive this analysis, we conducted a survey centered on users’ card preferences to over 700 US members of our proprietary panel in May 2018.

Here are some key takeaways from the report: 

  • Competition driven by consumer card appetite in the US is hurting issuer returns. Consumer confidence and regulatory policy that favors credit cards should be a boon to issuers. But the competition has surged expenses to unattainable levels and increased delinquencies, which are causing returns to trend down.
  • Consumers still value rewards above all when it comes to cards. Two-thirds of respondents to our survey cited rewards-related offerings as the leading driver of primary card status, but they can be pricey for issuers.
  • Using resources strategically and offering rewards types that encourage high-volume spending and drive engagement through habit formation, like flexible offerings, rewards for e-commerce, and local bonuses, could be the path to success in the future.

In full, the report:

  • Identifies the factors that are causing high credit appetite to hurt issuer returns.
  • Explains the value of top-of-wallet status, and evaluates the factors that drive it based on proprietary consumer data.
  • Defines three popular next-generation rewards options that issuers can use to drive up spending and engagement without breaking the bank.
  • Issues recommendations about how to offer these rewards and what demographic groups could be most receptive to them.

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The Grand Canyon is celebrating its 100th birthday as a national park. These breathtaking photos will make you want to visit.

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Grand Canyon

  • On February 26, the Grand Canyon celebrates 100 years as a designated national park.
  • The site is home to vast hiking trails, breathtaking views, and rare wildlife.
  • Thrill-seeking visitors of the park can view the canyon from a glass skywalk that's located 4,000 feet above the ground.
  • Other visitors might want to embark on a rafting journey through the Colorado River, which flows through the Grand Canyon.

The Grand Canyon has reached a major milestone this month.

On February 26, the Grand Canyon celebrates 100 years as a designated national park. There are tons of events scheduled throughout the Grand Canyon in the coming weeks to mark its centenary as a national treasure, but there's just as much to do and see at the park all year long.

The national treasure — which is not only spread across a swathe of Arizona, but also borders Utah and Nevada — has much to offer, from its breathtaking skywalk to its stunning nature views. These photos might make you want to visit.

According to scientists, the Grand Canyon has been around for millions of years.

Still, the exact age of the national park is debatable.

While some scientists believe that the park dates back six million years, other researchers feel there's enough evidence to prove that its actually been around for 70 million years.

In a study conducted by Nature Geoscience, researchers found that there's sound logic behind both of those numbers. Simply put, the middle of the Grand Canyon is likely older than its outer edges.

Its middle Hurricane segment was likely formed between 50 and 70 million years ago, while the nearby Eastern Grand Canyon was likely formed between 15 and 25 million years ago, according to Nature Geoscience.

However, the ends of the Grand Canyon are probably younger. Called the Marble Canyon and Westernmost Grand Canyon, these formations were likely carved from the Colorado River within the past five or six million years, the study found.



Much of the national park is filled with orange and red rocks.

While many of the formations look similar, there are actually multiple types of rock found throughout the park. According to the Grand Canyon's website, visitors can expect to find rocks such as limestone, siltstones, shale, and mudstones, among others.



Occasionally, heavy clouds will completely cover the landmark.

The phenomenon, called a cloud inversion, is pretty rare. It only occurs when "cold air is trapped in the canyon and topped by a layer of warm air," according to the Washington Post.

The view is breathtaking if you're lucky enough to see it in person.



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8 of the best ways to eat eggs on the go

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egg carton

  • A single egg has six grams of protein.
  • You can add it to lots of different foods for extra protein.
  • These recipes allow you to take your eggs on the go.

Eggs are a cheap and easy way to add extra protein to your diet. A single egg contains six grams of protein to help you get closer to your daily protein goals (these vary by body weight and level of physical activity). They're also very versatile, making them excellent options for breakfast, lunch, and dinner.

If you're looking to add more eggs to your diet but don't want to sit down for an omelet every day, here are eight ways you can eat eggs on the go.

Hard-boil them.

This one is a classic for a reason. Hard-boiled eggs on their own can be an easy snack and a great source of protein. Simply boil them, peel them (or leave the shell on if you'd rather transport them that way), and pop them into your bag for easy transport. 



Bake some egg muffins.

Another option for portable eggs are egg "muffins," no muffin required. There are dozens of recipes out there, including this one from Delish, but simply crack a raw egg into a muffin tin, mix in your favorite veggies, meats, and cheeses, and bake them. 

Then you'll have perfectly portable egg breakfasts you can reheat for a week. 



Make an egg-salad sandwich.

Sandwiches are the quintessential lunch food for several reasons — they're easy to make, transportable, and filling, so it's no surprise that an egg salad sandwich is a good way to get your eggs on the go. Simply hard boil some eggs, mix them with mayo and mustard, add pickles, olives, avocados or anything else you'd like, put the mixture on bread and voila.



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