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The 29 most miserable countries in the world

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Venezuela protester

Venezuela, is again, the most miserable nation in the world, according to new analysis published by the Cato Institute.

Cato's Misery Index ranks 108 countries based on data from the Economist Intelligence Unit and calculations from Steve Hanke, a professor of Applied Economics at Johns Hopkins University.

Professor Hanke factors in the nations' inflation, lending rates, and unemployment figures together and then subtracts year-on-year per capita GDP growth to determine "misery."

Over the last year, Venezuela's misery score jumped by nearly 27 points to 106.03 — which puts the Latin American country almost 40 points higher than the next leading nation. War-torn Ukraine and Syria soared to the top of the ranking with Ukraine jumping 19 places over a span of a year.

Unemployment and interest rates are the leading factors plaguing the majority of the nations listed.

The five least miserable are Brunei, Switzerland, China, Taiwan, and Japan. The US ranks 95th, which makes it the 14th least miserable nation. Venezuela claimed the top spot last year, followed by Iran, Serbia, Argentina, and Jamaica. 

Here are the top 29 nations on the Misery Index (and here's the full study):misery index 2014

SEE ALSO: The 50 Most Violent Cities In The World

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GOLDMAN: Here are the 18 stocks that hedge funds love the most (CHTR, MU, TWC, DTV, DAL, C, YHOO, MSFT, GM, AIG, LBTYK, VRX, MDT, FB, AAL, AGN, ACT, AAPL)

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hands reaching out

Hedge funds can't live without Apple.

"As the most popular hedge fund long holding and largest US stock, Apple is a key driver of hedge fund performance as well as US equity earnings growth and returns," wrote Goldman Sachs' Ben Snider in the latest Hedge Fund Trend Monitor.

The list is based on Goldman's analysis of 688 hedge funds, who hold $882 billion in equity assets that own between 10 and 200 individual stock positions.

The stocks are ranked by the number of hedge funds that hold the stock among their top 10 holdings, from least to most widely held. 

Charter Communications

Ticker: CHTR

Sub-sector: Cable & Satellite

No. of funds with stock as top 10 holding: 27

% of equity cap owned by hedge funds: 36%

Comment: Video added the most to the cable company's revenue in 2014, increasing 8.1% to $1.13 billion year-over-year.

Source: Goldman Sachs



Micron Technology

Ticker: MU

Sub-sector: Semiconductors

No. of funds with stock as top 10 holding: 28

% of equity cap owned by hedge funds: 18%

Comment: Micron entered a partnership with Seagate to use each other's expertise to build storage devices that are faster and cheaper, as hard drive sales decline industry-wide.

Source: Goldman Sachs



Time Warner Cable

Ticker: TWC

Sub-sector: Cable & Satellite

No. of funds with stock as top 10 holding: 29

% of equity cap owned by hedge funds: 17%

Comment: The $45-billion purchase of Time Warner Cable by Comcast cleared a hurdle February 13, after an administrative law judge in San Francisco recommended that the Public Utilities Commission endorse the deal.

Source: Goldman Sachs



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Hong Kong woman jailed for six years for maid abuse

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**** DO NOT DELETE OR REMOVE - BREAKING NEWS LOGO ****

Hong Kong (AFP) - A Hong Kong woman was jailed for six years on Friday for beating and starving her Indonesian maid and keeping her prisoner.

Law Wan-tung -- who had faced a maximum sentence of seven years -- "showed no compassion" to Erwiana Sulistyaningsih and other domestic staff, said judge Amanda Woodcock in handing down the sentence.

 

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Two women are behind the viral dress that has everyone confused — Here's what they told us

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dress black blue

Two women are behind the viral dress that has everyone confused. Here's what they told us.

The picture was initially posted on Tumblr by a 21-year-old singer named Caitlin McNeill who lives on the tiny Scottish island of Colonsay.

In a telephone conversation with Business Insider on Thursday evening, McNeill explained that the picture was a dress was worn to her friends' wedding. In the photo, some people see the dress as white and gold while others see it as blue and black

The dress was worn by the bride's mother. McNeill and her friends first realized there was something different about the dress when the mother sent her daughter the now-famous photo.

"What happened was two of my close friends were actually getting married and the mother of the bride took a photo of the dress to send to her daughter," McNeill explained. "When my friend showed the dress to her fiancee, they disagreed on the color."

The bride then posted the picture on Facebook and her friends continued to debate the color of the dress. 

"All of our friends disagreed," McNeill said.

After seeing the Facebook thread, McNeill decided to share the picture on a fan page she has on Tumblr dedicated to a woman named Sarah Weichel. That's where the dress went viral.

Weichel is a talent manager who represents several YouTubers including Hannah Hart.

Weichel told Business Insider her phone began blowing up on Thursday after McNeill's post started going viral. 

"The crazy thing is, I actually have nothing to do with the post. It's literally just a fan account of me, so my name and my photos are all over the account," Weichel said. "I actually don't have anything to do with it. ... But I have been getting a ton of phone calls and emails tonight."

The situation was even weirder for Weichel because her client, Hart, was just announced as the star of a new television series on Thursday.

"Between that announcement and the dress thing my phone has been going crazy with congratulations and 'What the hell is happening?'" Weichel said.

For Weichel, there's no question about what color the dress is. 

"Black and blue of course!" she said. 

Weichel put Business Insider in touch with McNeill who said one of the oddest parts of the experience has been watching celebrities share her picture.

"I thought my followers on Tumblr would maybe have a good reaction, but I never would have considered that Taylor Swift and Mindy Kaling would be tweeting about it," McNeill said.

Out of all the celebrities who became interested in her post, McNeill would like to meet Swift.

"Oh my god," she said when we asked about Swift. "That would be something."

McNeill plays guitar and sings in a band named Canach that plays what she described as "traditional Scottish folky music." Her band played at the wedding. She actually saw the dress and told us definitively what color it really is.

"I got to the wedding and the mother was wearing the dress," McNeill said. "Obviously it was blue and black." 

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Australia, Thales deal on 'world first' air traffic control

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Australia is to partner with French industrial giant Thales to develop a

Sydney (AFP) - Australia Friday said it will partner with French industrial giant Thales to develop a "world first" joint civilian-military air traffic control system that could help track MH370-type incidents.

The "OneSky" system will replace Australia's current civilian system which dates from the late 1990s and was also developed by Thales, the government said.

"This programme will make Australia the first country in the world to commission an integrated joint civil-military air traffic management system," Defence Minister Kevin Andrews said.

The combined system will see controllers share flight data and allow for a "seamless flow of national and international air traffic", he added in a statement.

Hailing the new system as a "dream for decades", Infrastructure Minister Warren Truss said it could also help countries respond faster to aerospace incidents such as the disappearance of Malaysian Airlines MH370 last March.

The jet went missing en route from Kuala Lumpur to Beijing with 239 people on board, with a massive air and underwater search failing to find any evidence of the plane.

"This technology... will help us to have better surveillance of aircraft and so we would know about an incident like MH370 more quickly and more precisely," Truss told reporters at the Australian International Airshow at Avalon in Victoria.

"So it would be a substantial advantage in seeking to find the wreckage but it couldn't necessarily prevent it from happening."

The government did not reveal the size of the contract with Thales, but The Australian newspaper estimated implementation costs to be about Aus$600 million (US$470 million).

AirServices Australia and the Department of Defence will work with Thales to implement the system, which will be phased in from 2018 to 2021.

"It will place us in a position to manage forecast growth of air traffic movement in Australia, of as much as 60 percent by 2030, minimising delays for the travelling public," Truss said in an earlier statement.

Thales opened an aviation innovation laboratory in Melbourne in 2011 where it has been developing next-generation civilian and military air traffic control systems.

The "OneSky" project was first announced by the previous Labor administration. Local media has reported previous tensions between the defence department and AirServices Australia over merging air traffic control systems.

 

 

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Tumblr is freaking out over this dress that looks both blue and black and white and gold

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The entire internet lost its cool on Thursday night when a Tumblr user posted a picture of a dress along with the caption"guys please help me - is this dress white and gold, or blue and black? Me and my friends can’t agree and we are freaking the f**k out."

Here's what that dress looked like, in case you haven't seen it yet.

dress

It turns out that the rest of the internet couldn't decide on which two colors the dress was, either.

While Twitter users hemmed and hawed over the dress's actual color, the real chaos ensued on Tumblr, the platform where the post originated.

Here are just some of the best responses we've seen from Tumblr users.

 

Patriotic humor!

the dress tumblr

This girl asked her mom for a second opinion on the dress's colors, and now she's freaking out.

the dress tumblr

Of course, a hybrid llama chase-dress meme was inevitable.
 the dress tumblr

Autocorrect jokes abound.

the dress tumblr

Users were shocked by how quickly the dress proliferated the rest of social media after blowing up on Tumblr.

tumblr dress

Apparently 50 Shades of Grey jokes aren't old yet.

the dress tumblr

 

Some people on Tumblr just want the debate to end already.the dress tumblr

But this is really the bottom line for this user, and others: the dress tumblr

SEE ALSO: The internet is losing its composure over this dress that might be white and gold or black and blue

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Russian opposition leader Nemtsov shot dead: official

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Russian opposition leader Boris Nemtsov, pictured in Moscow on December 5, 2012, was shot dead in central Moscow overnight, an interior ministry spokesman said

Moscow (AFP) - Russian opposition leader Boris Nemtsov was shot dead in central Moscow overnight Friday, an interior ministry spokesman told AFP.

"In central Moscow, a man with documents in the name of Boris Yefimovich Nemtsov was killed," an interior ministry spokesman told AFP, declining to give further details.

Moscow police confirmed the killing.

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$375,000 NASCAR race car stolen from hotel parking lot, driver turns to Twitter for clues

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Travis Kvapil

(Reuters) - NASCAR driver Travis Kvapil was left without a ride for this weekend's race after his orange stock car was stolen from a motel parking lot early Friday, forcing him to drop out of the event.

Kvapil, who only just joined the Team Xtreme racing team, and other tems members were staying at the Drury Inn in suburban Atlanta when they discovered that their truck, 26-foot trailer and the most valuable contents inside - their primary car and a backup engine - had vanished from the parking lot.

The car was Team Xtreme's only vehicle and it was forced to withdraw from Sunday's NASCAR Sprint Cup race at Atlanta Motor Speedway, said owner John Cohen.

"Wow. Anyone near Atlanta find my stolen Cup car let me know! Unreal," Kvapil said on Twitter.

The theft of the items was valued at nearly $375,000, Morrow, Georgia, police said. Surveillance tapes show the thieves struck at about 5:30 a.m.

Cohen said the team would enter next weekend's race at Las Vegas Motor Speedway.

(Reporting by Steve Ginsburg in Washington; Editing by Bill Trott)

SEE ALSO: The 28 hottest exotic cars from the 2015 Geneva Motor Show

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Twitter has one major advantage over Google and Facebook (TWTR)

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As of November, Twitter had just 60,000 advertisers, which is small fries compared to Google (4 million) and Facebook (2 million). But Twitter has one big advantage: It makes much more money per advertiser than either of those giant internet companies.

Based on data from Macquarie Securities and company filings charted for us by BI Intelligence, Twitter’s average revenue per advertiser was just shy of $21,000 last year, roughly three times that of Facebook at $7,000 per advertiser, and well ahead of Google’s $16,000 per advertiser. Macquarie believes Twitter is so effective because it focuses on the biggest  brands as opposed to smaller businesses.

bii sai cotd avg rev per user_1024

SEE ALSO: Bye bye, bank tellers: Why digital banking is the future

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The 5 best duffel bags for all types of athletes [up to 42% off]

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Different athletes need different gym bags.

We put together a list of five great on-sale options depending on what you're looking for.

Whether you're a heavy-duty athlete, a golfer, or just need something for your weekly trek to the gym — we've got it here.


Adidas Golf duffel bag

gym bag men AdidasIf you're a golf person, here's the duffel bag for you. 

The bag comes with four pockets, including a dry/wet storage compartment. 

The dark green color gives the bag a slightly more sophisticated feel compared to your average neon-colored gym bag.

Price: $59.99$34.99[42% off]


Adidas Scorch Team duffel bag

gym bag menThe Scorch Team duffel bag is what you'll want for day-long athletic events or tournaments.

Plus, on one end of the bag there's a separate and ventilated wet/dry compartment, which will keep your things nice and fresh.

Price: $65.00$45.76[30% off]


Adidas Climaproof Menace duffel bag

gym bag men AdidasThe Climaproof Menace is the best option for casual gym goers. It's locker-sized and has 5 separate compartments to keep you things together neatly.

The base of the bag is water resistant, which means that your things won't get gross after sitting on the gym floor.

Price: $85.00$69.99[18% off]


Adidas Team Wheel bag

gym bag men adidasIf you need something that's way more durable than your average gym bag, then the Team Wheel is what you want.

Price: $150.00$109.15[27% 0ff]


Under Armour Women's Escape Duffel

gym bag men adidasThis Under Armour duffel is lined with pockets, which makes it easier to separate dirty clothes and shoes from your clean things.

Additionally, it comes with a clear, removable pouch that can be used for makeup and other toiletries.

Price: $49.99 $38.44 [23% off]


 

 

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Vladimir Putin already has a theory about who killed one of his biggest critics

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Boris Nemtsov Russia

Vladimir Putin — or at least someone close to him — is a logical suspect in the death of Russian opposition figure Boris Nemtsov, a former deputy prime minister shot on a bridge just 200 meters from the Kremlin walls.

It wouldn't be unprecedented. Other Putin critics have died under suspicious circumstances in the Russian capital, including the investigative journalist Anna Politkovskaya in 2006

As if to preempt this line of inquiry, Putin is already floating his own theory of what happened, according to Dmitry Zaks of AFP: 

Less than an hour after Nemtsov death was reported, Putin entered into the controversy around his death in a second way. The Russian president is "taking personal control of the investigation into Nemtsov's murder," according to a Kremlin spokesperson, something that will not be very reassuring for Putin's opponents.

Putin also condemned the murder, according to Kremlin spokesperson Dmitry Peskov. He said the shooting late on Friday in Moscow could also be a "provocation," as the opposition plans a big protest in Moscow on Sunday.

Peskov said Putin had been quickly informed of the killing and that the president had expressed his condolences.

Putin's investigators may not have to travel far if they're actually serious about looking into the killing. As this tweet from The Interpreter demonstrates, one of the Kremlin's most prominent critics was shot across the street from Russia's seat of power: 

SEE ALSO: A major Russian opposition figure was just shot dead in Moscow

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There's a chilling quote from 1997 about the opposition leader in Moscow who was shot dead

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Boris Nemtsov Russia

Prominent Russian opposition figure and former Deputy Prime Minister Boris Nemtsov was shot dead in Moscow Friday.

In 1997, The New York Times profiled Nemtsov after he was promoted to deputy prime minister.

Discussing the challenges the new first deputy prime minister would face in Moscow, the director of an economic consulting firm described the job as potentially "suicidal."

"Many say it is a suicidal job and it will be his last political post,'' Pavel Chichagov, the director of the Epicenter economic consulting firm, told The Times. ''There is something to that. But he has often faced resistance. And if history repeats itself you can't exclude that he may be quite successful in government.''

According to The Times, "Nemtsov's vow to crack down on energy and transportation monopolies, find ways to pay pensions and fight endemic corruption means he will have to confront economic quandaries few in Russia have had the courage to tackle."

A liberal critic of Vladimir Putin, Nemtsov first became involved in Russian national politics in 1997, when he was named First Deputy Prime Minister by then-President Boris Yeltsin. Nemtsov was best known at the time as a regional governor and a notable free-market reformer.

Nemtsov himself also acknowledged the potential dangers of his appointment in Moscow.

''It is obvious that I will make a huge number of enemies among the industrial and financial oligarchy that now in many respects controls the situation in Russia,'' [Nemtsov] said in a television interview quoted by The Times. ''As to what I have to do in Moscow now, that is the function of a kamikaze.''

You can read the full 1997 profile of Boris Nemstov at The New York Times >>

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NOW WATCH: This 26-year-old from Baltimore took a 35,000-mile road trip and ended up fighting in the Libyan revolution

Former RadiumOne CEO making amends

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gurbaksh chahal apartment secret millionaire

Former RadiumOne CEO Gurbaksh Chahal made a scheduled court appearance in San Francisco superior court on Friday where a judge commended his "very good" progress completing classes related to domestic violence and battery charges he pled guilty to last year.

RadiumOne runs an automated platform for online and mobile ads.

Chahal was fired from RadiumOne last year after refusing to resign amid allegations he had beaten his girlfriend.

In a blog post last year, Chahal said he pled guilty to two misdemeanors because he didn't want to endure a lengthy trial.

"While, I had full intentions of getting fully exonerated of these charges, that would require me to go through trial and waste another 1 year of my life," he said.

He's since started a new ad tech venture called Gravity4. He's also reportedly made moves to buy his old company back.

In a regularly scheduled court appearance, city prosecutors said Chahal had completed 43 classes  ostensibly related to domestic violence  and was compliant with his sentencing.

"I'm told Mr. Chahal is the first person in the history of this program to complete his work and continue showing up [to meetings]," said DewBerry.

"This is a very good report Mr. Chahal," said Judge Tracie Brown.

Chahal was ordered to reappear in court on April 3.

SEE ALSO: RADIUMONE CEO — My Girlfriend Was Having Sex With Other People For Money And I Didn't Beat Her

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No one could see the color blue until modern times

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blue eyes

This isn't another story about that dress, or at least, not really.

It's about the way that humans see the world, and how until we have a way to describe something, even something so fundamental as a color, we may not even notice that it's there.

Until relatively recently in human history, "blue" didn't exist.

As the delightful Radiolab episode"Colors" describes, ancient languages didn't have a word for blue — not Greek, not Chinese, not Japanese, not Hebrew. And without a word for the color, there's evidence that they may not have seen it at all.

How we realized blue was missing

In the Odyssey, Homer famously describes the "wine-dark sea." But why "wine-dark" and not deep blue or green?

In 1858, a scholar named William Gladstone, who later became the Prime Minister of Great Britain, noticed that this wasn't the only strange color description. Though the poet spends page after page describing the intricate details of clothing, armor, weaponry, facial features, animals, and more, his references to color are strange. Iron and sheep are violet, honey is green.

So Gladstone decided to count the color references in the book. And while black is mentioned almost 200 times and white around 100, other colors are rare. Red is mentioned fewer than 15 times, and yellow and green fewer than 10. Gladstone started looking at other ancient Greek texts, and noticed the same thing — there was never anything described as "blue." The word didn't even exist.

It seemed the Greeks lived in murky and muddy world, devoid of color, mostly black and white and metallic, with occasional flashes of red or yellow.

Gladstone thought this was perhaps something unique to the Greeks, but a philologist named Lazarus Geiger followed up on his work and noticed this was true across cultures.

He studied Icelandic sagas, the Koran, ancient Chinese stories, and an ancient Hebrew version of the Bible. Of Hindu Vedic hymns, he wrote: "These hymns, of more than ten thousand lines, are brimming with descriptions of the heavens. Scarcely any subject is evoked more frequently. The sun and reddening dawn's play of color, day and night, cloud and lightning, the air and ether, all these are unfolded before us, again and again... but there is one thing no one would ever learn from these ancient songs... and that is that the sky is blue."

There was no blue, not in the way that we know the color.

Geiger looked to see when "blue" started to appear in languages and found an odd pattern all over the world.

Every language first had a word for black and for white, or dark and light. The next word for a color to come into existence — in every language studied around the world — was red, the color of blood and wine.

After red, historically, yellow appears, and later, green (though in a couple of languages, yellow and green switch places). The last of these colors to appear in every language is blue.

The only ancient culture to develop a word for blue was the Egyptians — and as it happens, they were also the only culture that had a way to produce a blue dye.

If you think about it, blue doesn't appear much in nature — there aren't blue animals, blue eyes are rare, and blue flowers are mostly human creations. There is, of course, the sky, but is that really blue? As we've seen from Geiger's work, even scriptures that contemplate the heavens continuously still don't necessarily see it as "blue."

Kettleman City CaliforniaIn fact, one researcher that Radiolab spoke with — Guy Deutscher, author of "Through the Language Glass: Why the World Looks Different in Other Languages," tried a casual experiment with that. In theory, one of children's first questions is "why is the sky blue?" So he raised his daughter while being careful to never describe the color of the sky to her, and then one day asked her what color she saw when she looked up.

Alma, Deutscher's daughter, had no idea. The sky was colorless. Eventually, she decided it was white, and later on, eventually blue. But it wasn't the first thing she saw or gravitated towards, though it is where she settled in the end.

So before we had a word for it, did people not naturally see blue?

This part gets a little complicated, because we don't exactly what was going through Homer's brain when he described the wine-dark sea and the violet sheep — but we do know that ancient Greeks and others in the ancient world had the same biology and therefore, same capability to see color that we do.

But do you really see something if you don't have a word for it?

A researcher named Jules Davidoff traveled to Namibia to investigate this, where he conducted an experiment with the Himba tribe, who speak a language that has no word for blue or distinction between blue and green.

blue squaresWhen shown a circle with 11 green squares and one blue, they couldn't pick out which one was different from the others — or those who could see a difference took much longer and made more mistakes than would make sense to us, who can clearly spot the blue square.

But the Himba have more words for types of green than we do in English.

When looking at a circle of green squares with only one slightly different shade, they could immediately spot the different one. Can you?

green squares himbaFor most of us, that's harder.

This was the unique square:

Vidipedia/Himba Colour ExperimentDavidoff says that without a word for a color, without a way of identifying it as different, it's much harder for us to notice what's unique about it — even though our eyes are physically seeing the blocks it in the same way.

So before blue became a common concept, maybe humans saw it. But it seems they didn't know they were seeing it.

If you see something yet can't see it, does it exist? Did colors come into existence over time? Not technically, but our ability to notice them may have...

For more fascinating information about colors, including information on how some "super-seeing" women may see colors in the sky that most of us have never dreamed of, check out the full Radiolab episode.

 

SEE ALSO: A rogue doctor saved a potential miracle drug by storing samples in his home after being told to throw them away

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A new bill in New York could give whistleblowers a big cut of recovered money

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whistle

FA Insights is a daily newsletter from Business Insider that delivers top news and commentary for financial advisors.

New York's attorney general considers whistleblower incentive bill  (Think Advisor)

New York Attorney General Eric Schneiderman will propose legislation that seeks to protect whistleblowers in the financial services industry. Think Advisor notes, "Schneiderman’s bill, the Financial Frauds Whistleblower Act, would provide financial compensation to whistleblowers who voluntarily report fraud in their industry and whose tips lead to more than $1 million in penalties or settlement proceeds." Whistleblowers would be incentivized by receiving between 10% and 30% of the recovered money. 

Athletes, movie stars, and Wall Streeters are teaming up to minimize venture capital investment risks (Market Wired)

MLB all-star Torii Hunter and veteran Wall Streeter Ed Butowsky are teaming up with a group of their peers to reduce the risk of venture capital investments. Anyone can join the investment team, which will include research analysts, venture capital experts, and private equity professionals. Market Wired notes, "There is no fee to join the Club, and members have no obligation to invest; however, if and when an investment is made into a start-up company, a new limited partnership will be formed. Each individual investor into that limited partnership will own a percentage in proportion to their investment." They continued, "Athletes and celebrities who choose to invest will be encouraged to promote these ventures on Facebook, Twitter, Instagram and other social media networks to give them maximum exposure."    

Fund that hasn't bought a new stock in 80 years is outperforming 98% of its peers (Reuters)

The Voya Corporate Leaders Trust Fund hasn't added a new stock to its portfolio in 80 years, but is still outperforming 98% of its peers over both 5 and 10 year periods, according to Morningstar. The fund's outperformance is in large part due to its weighing in railways and energy while shying away from the financials. However, "Performance has fallen lately as low oil prices hurt ExxonMobil and Chevron. Its returns over the past year were about 12 percent, compared with more than 16 percent for the S&P 500," reports Reuters.    

Setting up a trust to plan for divorce (Wealth Management)

Approximately 50% of US marriages end in divorce, meaning it is important to draft a trust that keeps everyone's interests in mind. There is some debate as to whether a trust should remove a spouse upon the filing of divorce or upon divorce.  Kim Kamin of Gresham Partners, LLC. suggests, "(1) plan for divorce with flexibility and precision to maximize a divorcing couple’s options, while (2) protecting what most divorcing settlers would want, and (3) recognizing that often the attorney represents and has duties to both spouses at the drafting stage."

6 things everyone should know about long-term care (Financial Planning)

Long-term care needs are growing along with the aging US population. According to data from the American Association for Long Term Care, "U.S. long-term care coverage hit $7.85 billion last year, an increase of 5% over the prior year." Financial Planning highlights these 6 things to understand about long-term care: "Payouts are likely to rise; people will live longer than they think -- and will need help; clients may need less care than they think; partial coverage might be enough; advisors may be falling short" in providing their clients with long-term care needs.  

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Here’s how to see this dress as both white and gold and black and blue

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This viral dress has divided the internet over its coloring.

White Gold Blue Black Dress

People are seeing the dress in varying colors due to the different ways in which they perceive colors.

As a result, some are seeing it as white and gold, while others are seeing it as blue and black.

Some see it as both. 

Others are struggling to see it as blue and black. A few people have told me they can't see it as white and gold at all.

The actual dress is black and blue. 

Like many, initially, I could only see the ubiquitous dress in gold and white. 

After a minor tweak in how I was focusing on the image, I finally saw the dress as black and blue. Now, I see it as all four colors interchangeably. 

How?

Think of the dress as an optical illusion. What your eyes see is dependent on where you're focusing.

In the below photo, do you see the word "liar" or a picture of a face?

optical illusion, face, liar

Tilt your head sideways while focusing on the most left area in white and you should immediately see the word liar which is underlined below.

liar optical illusion

Now, focus on the same visual cues vertically. You should quickly see the letters change into visible eyes, a nose, and lips.

optical illusion face liar

You can apply the same technique to the viral dress.

See the Dress as White and Gold

Focus on the brightest parts of the dress near the top of the image for several seconds before looking at the rest of the dress.

Photoshop tells us these are the areas closest to white and gold in the photo.

white gold the dress

Here's how Photoshop breaks down the colors highlighted above.

colors light photoshop dress

See the Dress as Black and Blue

Now, focus on the darkest parts of the dress in the image below for a few seconds before pulling your face back and looking at the photo as a whole.

This one may take a while longer to master if you're used to seeing the dress in white and gold.

The darkest parts of the dress are found near the very bottom of the photo.

the dress black blue

Here's how the colors look on Photoshop.

blue black dress

Still not seeing it? 

Try this. 

Most people are being introduced to the dress photo online by scrolling down from top to bottom.

This is forcing people to be introduced to the brightest parts of the image first which may help explain why so many are viewing the dress incorrectly.

Instead, try scrolling from the bottom of the photo to the top. That way, your rods and cones are being introduced to the darkest parts of the image first which may alter your overall perception of the photo. 

SEE ALSO: Why our brains see the black and blue dress as white and gold

AND: 2 women are behind the viral dress that everyone is talking about

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NOW WATCH: This super sexy Carl's Jr Super Bowl ad has gone totally viral

BREMMER: The outlook for US-Russia relations just reached a new low for the post-Cold War era

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Boris Nemtsov Russia

The killing of prominent Russian opposition figure and former deputy Prime Minister Boris Nemtsov on a bridge across the street from the Kremlin will have a chilling effect on Russia's opposition and on already frosty relations between the US and Russia, Eurasia Group president and international affairs analyst Ian Bremmer told Business Insider.

"Political consolidation in Russia and a deteriorating economy has made public opposition to the Kremlin far more dangerous," Bremmer explained by email. "The opposition may not be strong in Russia, but Nemtsov has long been one of its most articulate and outspoken proponents."

A Russian regional governor at just the age of 32, Nemtsov became one of Russia's most well-known reformists, organizing the opposition to Putin and leading investigations into high-profile cases of corruption — like during preparations for the 2014 Winter Olympics in Sochi

But Nemtsov's long career both inside and outside the Kremlin and international stature wasn't enough to protect him. "He's just paid the ultimate price," wrote Bremmer. "The outlook for US-Russia relations has just reached a new low for the post-Cold War era.

"The Kremlin has been digging in for what they see as a complete break of the US-Russia relationship," Bremmer added. "Whoever is behind the assassination, it sends a deep chill across the Atlantic."

SEE ALSO: There's a chilling quote from 1997 about Boris Nemtsov

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NOW WATCH: This 26-year-old from Baltimore took a 35,000-mile road trip and ended up fighting in the Libyan revolution

Robben adds to tally in Bayern's birthday win

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Bayern Munich's Dutch midfielder Arjen Robben plays the ball during the German first division Bundesliga football match FC Bayern Munich vs 1 FC Cologne in Munich, southern Germany, on February 27, 2015

Berlin (AFP) - Bayern Munich celebrated their 115th birthday Friday with a 4-1 win over Cologne to go 11 points clear in the Bundesliga as top-scorer Arjen Robben added to his tally.

The fleet-footed Dutchman netted his 17th goal in 19 league matches this season with a crisp header with 20 minutes left to remain the league's top scorer.

Captain Bastian Schweinsteiger gave hosts Bayern an early lead at Munich's Allianz Arena before Franck Ribery added a second inside 10 minutes.

Cologne fought back when Nigeria international Anthony Ujah scored right on the stroke of half-time but Bayern roared back as Robben, then Poland striker Robert Lewandowski extended the hosts' lead.

But Robben was unimpressed with Bayern's performance having briefly given Cologne hope.

"It was a strange game," said the Dutchman.

"We went 2-0 up, were aggressive and played well, but we slowed down at the end of the first-half and conceded the goal at the worst possible time."

Chairman Karl-Heinz Rummenigge insists Bayern are in their most stable era in their rich history and Pep Guardiola's side are running away with a third straight league title having now opened an 11-point lead.

In just their last four league games, Bayern have now scored 20 goals with Ujah's header the only blot on their copybook. 

Cologne coach Peter Stoeger had said his side needed "a miracle" in Munich and Bayern wasted no time in taking the lead.

They forced four corners in the opening 142 seconds, the last of which Schweinsteiger headed home after just three minutes.

In a perfect bit of symmetry, the goal came after two minutes, 22 seconds into Bayern's 333rd Bundesliga match.

Ribery added a second with ten minutes gone when he dribbled through a weak Cologne defence and slotted his shot past goalkeeper Timo Horn.

A brief glimpse of the miracle Stoeger craved arrived just before the half-time break.

Ujah rose highest from a corner to out-jump Philipp Lahm and with David Alaba out of position the Nigeria striker headed home right on the whistle.

It was the first Bundesliga goal Bayern had conceded since drawing 1-1 with Schalke at the start of the month and it gave Cologne confidence.

Bayern goalkeeper Manuel Neuer was forced to prove why he was voted the world's best goalkeeper in 2014 with super saves to deny Ujah and Cologne midfielder Marcel Risse.

"Manuel saved us a few times," admitted Robben.

"Some of the saves he pulled off were simply superb."

Bayern snuffed out any hope of a Cologne fightback when Ribery whipped in a cross for Robben to head home on 67 minutes.

Robben proved he can set up goals just as well as score them when he produced a superb pass for Lewandowski to chest over the line with 15 minutes left.

Bayern are in action again on Wednesday when they host second division Eintracht Braunschweig in the last 16 of the German Cup.

They host Shakhtar Donetsk on March 11 in the Champions League's last 16, second-leg after a goalless draw in Ukraine

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NY regulator puts 3 European banks in FX probe

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Sources, speaking on condition of anonymity, said NY state financial regulator Benjamin Lawsky has sought information about currency practices from French banks BNP Paribas and Societe Generale

Washington (AFP) - The New York state financial regulator has subpoenaed three major European banks and a US peer in a probe of foreign-exchange rigging, sources close to the situation told AFP Friday.

The sources, speaking on condition of anonymity, said that the regulator, Benjamin Lawsky, had sought information about currency practices from French banks BNP Paribas and Societe Generale. One of the sources said Credit Suisse and Wall Street bank Goldman Sachs were also targeted.

The subpoenas, served in December to BNP Paribas, Societe Generale, Goldman Sachs and Credit Suisse, ask the banks for documents related to their currency operations, said one of the sources, adding that Lawsky was particularly interested in finding out the specific technologies the banks used.

Lawsky is investigating the use of chat rooms and instant messaging by forex traders to rig the price of currencies on the market.

The four banks are cooperating with Lawsky, the person said.

Societe Generale was not immediately available to comment. Lawsky's office, BNP Paribas and Credit Suisse declined to comment.

The overall currency investigation began two years ago amid suspicion that Wall Street traders manipulated foreign-exchange prices in line with their own interests.

Lawsky's ongoing investigation of Barclays in the forex affair is currently holding up an agreement between the British bank and other US and British regulators, the sources said.

Lawsky, who has the authority to revoke a bank's license to operate in New York state, is balking at a global settlement deal sought by Barclays.

In November, six banks moved to close the first phase of the case. They agreed to pay a combined $4.25 billion in fines to settle with financial regulators in Washington and Britain. The settlement included JPMorgan Chase, Citigroup, Royal Bank of Scotland, UBS and HSBC.

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Warren Buffett's 23 most brilliant insights about investing

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warren buffett

Warren Buffett, the billionaire "Oracle of Omaha" continues to be involved in some of the biggest investment plays in the world.

Buffett is undoubtedly the most successful investor in history. His investment philosophy is no secret, and he has repeatedly shared bits and pieces of it through a lifetime of quips and memorable quotes.

His brilliance is timeless, and we find ourselves referring back to them over and over again.

We compiled a few of Buffett's best quotes from his TV appearances, newspaper op-eds, magazine interviews, and of course his annual letters.

Buying a stock is about more than just the price.

"It's far better to buy a wonderful company at a fair price than a fair company at a wonderful price."

Source: Letter to shareholders, 1989



You don't have to be a genius to invest well.

"You don't need to be a rocket scientist. Investing is not a game where the guy with the 160 IQ beats the guy with 130 IQ."

Source: Warren Buffett Speaks, via msnbc.msn



But, master the basics.

"To invest successfully, you need not understand beta, efficient markets, modern portfolio theory, option pricing or emerging markets. You may, in fact, be better off knowing nothing of these. That, of course, is not the prevailing view at most business schools, whose finance curriculum tends to be dominated by such subjects. In our view, though, investment students need only two well-taught courses - How to Value a Business, and How to Think About Market Prices."

Source: Chairman's Letter, 1996



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