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The 25 hardest working cities in America

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busy night working late

It’s Employee Appreciation Day — a time for managers to recognize, thank, and reward workers for their contributions and hard work.

In honor of the day, personal finance site WalletHub looked at 116 of the most populated US cities to find which ones have the hardest working employees.

They measured seven key metrics, including labor force participation rate, average weekly work hours, and number of workers with multiple jobs.

Anchorage, Alaska — where residents work 40.7 hours per week, on average — came out on top.

Here are the top 25:

hardest working cities

 See the full list here.

And here's an interactive map:

Source: WalletHub

SEE ALSO: 5 types of coworkers nobody wants to work with

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NOW WATCH: 14 things you didn't know your iPhone headphones could do


Samsung has designed a $39,000 high-tech doghouse with a treadmill and hot tub

The Co-Op Group has poached Wilko's CFO three weeks after replacing its chairman

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Co-Op new CFO Ian Ellis

Ian Ellis, the current chief financial officer of the retailer Wilko, will join the Co-Operative Group in the same role, the company announced today

"With a long career in retail and food business, Ian is extremely well qualified for the role,"Richard Pennycook, CEO at the Co-Op Group, said in an emailed statement.

Ellis joined Wilko in 2008 after stints at Morrisons, where he was Head of Finance, and Northern Food PLC before that.

He is a graduate from Nottingham Trent University, where he studied Economics.

Ellis' appointment comes just weeks after the company changed its chairman. On February 19, the Group announced it had hired Allan Leighton, the former boss of Asda and the Royal Mail. Leighton replaced Ursula Lidbetter, who held the role since November 2013.

In March 2014, Euan Sutherland quit his position as CEO deeming the group "ungovernable,"after the Observer published his £6.6 million ($10 million) paycheck for 2013 and 2014. Sutherland blamed people from within the group's boardroom for the leak to the media.

The Co-Op Group owns supermarkets, funeral services, and pharmacies for a total of 3,750 outlets across the UK.

It also owns about one fifth of the Co-Op bank, after it was forced to give up majority control in the bank in 2013 due to a financial hole of £1.5 billion ($2.4 billion). 

The lender just lost one of its senior executives. On Tuesday, chief operating officer Bob Rickert left after less than 18 months at the job. According to the Telegraph, he was "asked to leave" because of his aggressive style of management.

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NOW WATCH: Top chef explains how to make the perfect prime rib

A hedge fund reportedly fired a trader because he was IMing another trader at Steve Cohen's firm

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Nicholas O'Grady

Last month, energy trader Nick O'Grady sued his former employer, hedge fund giant BlueCrest Capital Management, over an unpaid $1.28 million bonus.

In the complaint, he claimed that he was fired "without cause" on June 4, 2014 after six months at Michael Platt's $14 billion firm. 

Bloomberg News is now reporting that BlueCrest said they fired O'Grady for allegedly sharing information over instant message with a portfolio manager at Steve Cohen's Point72 Asset Management (formerly SAC Capital), according to unnamed sources familiar. 

O'Grady, 36, used to work at Sigma Capital Management, a subsidiary SAC Capital. A spokesperson for Point72 Asset Management told Bloomberg News that there's "nothing improper about about communicating about trading positions after they occurred." 

O'Grady was hired by BlueCrest in October 2013, shortly before SAC pleaded guilty. 

In the summer of 2013, SAC was criminally indicted on insider trading charges. SAC pleaded guilty in November 2013 and agreed to pay a $1.8 billion fineSAC also agreed to no longer manage outside capital and to operate as a "family office" instead. The fund then changed its name to Point72 Asset Management. 

At BlueCrest, O'Grady was offered a base salary of $250,000 and his bonus would be 18% of his performance, Forbes reported citing the complaint. O'Grady's attorney, Jonathan Sack, told Bloomberg that he made the fund $9.2 million during his time there. 

He's currently a portfolio manager at Hudson Bay Capital. His current employer told Bloomberg they were aware that he was fired. They also said they were "satisfied" with his explanation for the termination. 

We reached out to O'Grady's attorney for further comment. We will update as warranted. 

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NOW WATCH: This is what separates the Excel masters from the wannabes

Humans just made history by reaching an icy dwarf planet for the first time

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ceres

Friday, NASA's Dawn spacecraft became the first space probe in history to ever reach a dwarf planet.

Since it was launched in 2007, Dawn has been accelerating through space and on Friday morning at 9:39 am ET, NASA confirmed that the spacecraft had reached its final: the dwarf planet Ceres.

"We feel exhilarated," Chris Russell, principal investigator of the Dawn mission at the University of California, said in a NASA statement. "We have much to do over the next year and a half, but we are now on station with ample reserves, and a robust plan to obtain our science objectives."

Ceres is the largest object in a strip of rocky debris, called the asteroid belt, floating in space between the planets Mars and Jupiter. In fact, it was the first dwarf planet ever discovered back in 1801.

At that time, however, it was classified as a planet, and then later as an asteroid. Today, it meets the criteria for a relatively new class of objects called dwarf planets— a classification that includes the much maligned and very loved Pluto.

Ceres is the second object that Dawn has now orbited.

This is made possible by its ion propulsion system, which gave the spacecraft enough power to escape the gravitational grip of Vesta when it orbited in 2011, and continue on through space toward Ceres.

READ MORE: Scientists have a plan to make breathable oxygen on Mars for the first time

SEE ALSO: You'll never guess what Neil deGrasse Tyson's favorite equation of Einstein's is

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NOW WATCH: Why a NASA mission to Jupiter’s famous icy moon is now a priority

9 successful people share the toughest lessons they learned at their first jobs

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Alli Webb Mike Landau

The Success Series is a collection of the best career and life advice from some of our favorite writers, thinkers, and leaders.

For this installment, we asked CEOs, authors, and entrepreneurs: What advice would you give to someone just starting their first real job?

Read all the articles from this and other installments of The Success Series here.

James Altucher: Don't dwell on failure and its supposed benefits — there are none.

James Altucher is an investor, writer, entrepreneur, and the author of "Choose Yourself." Read more from Altucher at his blog, The Altucher Confidential.

I don't regret anything that has happened since. I've fallen many times. Sometimes I've gotten up, sometimes I've stayed down for quite awhile. But no matter what, I'm glad I ended up right here.

That said, I'm not a big fan of failure. Everyone always says, "You need to fail to learn."

This is total BS. Failure is very painful and ugly and helps nobody. Often it's inevitable as we learn, but it's best to never fail so hard you are scared and anxious for life, family, love, career, whatever.

How can you avoid it? All of the advice is cliché, but I don't care. If I could advise someone who was in my exact position here is what I would say.

1. Make a list of five people you admire the most.

Read everything about them. Write down things you can do to be more like them.

Remember you are the average of the five people you surround yourself with. But don't forget they can be virtual mentors as well as real-life ones.

2. Write down ten ideas a day.

When I was at my lowest points, with no money in the bank and no prospects, I'd go out early, grab my coffee, read a book, and then write down 10 ideas every day.

Sometimes business ideas. Sometimes ideas for books I could write. Sometimes ideas for ways I thought other companies could be improved. And then I would send them those ideas.

Eventually, they responded. Eventually they paid me money. You can do this inside of a company as well.

Always remember: The key to wealth is to create wealth for others, whether you are an employee, an entrepreneur, or an entre-ployee.

Check out the rest of James Altucher's advice here.



Danny Rubin: Say 'yes' to the unfamiliar.

Danny Rubin is the creator and writer of News To Live By, a blog for Millennials that highlights career and leadership lessons hidden in the day's top stories. 

It's December 2007. Fresh out of graduate school, I had a fancy master's degree in broadcast journalism from the University of Maryland-College Park — and zero job prospects as a news reporter.

A week after graduation, I was thrilled to land an "informational interview" at a TV news station in my hometown.

So there I was at 23 years old, nervous and clammy in a suit and tie and fully expecting a 10-minute "nice to meet ya and off you go" conversation.

I sat down in front of Shane's desk. He had demo reels (work samples) from other hopeful reporters piled high on his desk. He looked over my own reel (stories I did in college) and told me the many ways I needed to improve.

I knew I was raw, but the criticism still hurt. I composed myself and told him, "Great tips. I'll work on those things. Thanks."

Just as I felt our chit chat had come to an end, Shane looked up at me, smiled wryly and said, "Do you have ice in your veins?"

I took a gulp and felt a knot in my stomach at the same time. But without hesitation, I shot back, "Yes, I do."

"Good," he said. "One of my reporters is sick today, and we need to cover a submarine deployment at the naval base. Why don't you handle the story, and if I like your work we'll consider using it on the air tonight?"

My response on the outside: "Sure. Thanks for the opportunity!"

My response on the inside: "Holy #%@! Is this happening?!?!"

Check out more advice from Danny Rubin here.



Ryan Holiday: Find canvases for other people to paint on.

Ryan Holiday is the author of "The Obstacle is the Way." He is former director of marketing at American Apparel and dropped out of college at 19. He gives monthly book recommendations here.

When I first got a job as an assistant in Hollywood, someone told me that the best thing I could do as an assistant was to make other people look good.

It ended up being decent advice, but I’ve since come to understand that the wording wasn’t right. It’s not about just sitting there and working on the way people think about your boss or company.

The way I would explain it to a younger version of myself:

Find canvases for other people to paint on.

That is, completely ignore getting credit, getting ahead, even throw out what your job is supposed to be on paper. Instead, focus all your energy on finding, presenting, and facilitating opportunities that help other people inside the company succeed — particularly the people you directly report to.

Check out the rest of Ryan Holiday's advice here.



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There's more and more evidence Bill O'Reilly made up stories about his reporting

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Bill O'Reilly

New videos and audio released in the past day add fuel to allegations Fox News host Bill O'Reilly made up claims about his past reporting.

O'Reilly's work has been in the spotlight since Feb. 19 when Mother Jones published a story questioning claims he made about his experiences reporting on the Falklands War for CBS in 1982. That article noted O'Reilly has repeatedly claimed he experienced a "war zone" during the conflict. However, O'Reilly was not actually in the Falkland Islands and instead reported on protests that broke out in Buenos Aires, Argentina following the conflict.

The host has defended his comments by claiming the protests were extremely violent and "many were killed." He wrote a fictionalized account of the demonstration in a 1998 novel that features the authorities firing shots at the protesters and several deaths. In an interview about the allegations, O'Reilly pointed to his novel as his largely factual account of "what happened in Buenos Aires."

This violent version of the protest has been challenged by several of his former CBS colleagues. It also is not supported by multiple media outlets' reports from the protest that described no deaths or widespread gunfire. On Monday, Mother Jones published video of O'Reilly's own report taped from the demonstration. In it, O'Reilly doesn't refer to any violence apart from police being "pelted with coins" and that "some journalists behind the lines were hurt." O'Reilly also noted the police fired tear gas onto the crowd. 

Along with O'Reilly's "war zone" claims about the Falklands War, questions have also been raised about his account of a suicide that has been linked to the investigation into the assassination of President John F. Kennedy. New evidence about this incident was uncovered on Sunday.

In his 2012 book "Killing Kennedy," O'Reilly wrote that he was nearby when George de Mohrenschildt killed himself in 1977. De Mohrenschildt was an acquaintance of Kennedy's assassin, Lee Harvey Oswald, and he was being questioned in conjunction with investigations into the president's death. O'Reilly said in the book as well as at least one Fox News appearance that he was outside de Mohrenschildt's Florida home and was able to hear "the shotgun blast." At the time, O'Reilly was reporting for a Texas television station, WFAA.

O'Reilly's claim about being present when de Mohrenschildt died was first called into question in 2013 when it was flagged by Jefferson Morley, who runs a website dedicated to the Kennedy assassination. On Feb. 24, following the allegations surrounding O'Reilly's Falklands reporting, the liberal watchdog organization Media Matters published a report that noted several of his former WFAA colleagues said he was not in Florida when de Mohrenschildt died.

On Sunday, CNN revealed audiotapes recorded by an investigator named Gaeton Fonzi in 1977 seem to prove O'Reilly was not in Florida when de Mohrenschildt died. In the tapes, O'Reilly can be heard asking Fonzi to confirm de Mohrenschildt died and saying he will be "coming down" to Florida the following day.

Business Insider reached out to Fox News on Monday to ask about the new audio and video evidence casting doubt on O'Reilly's claims. A spokeswoman for the network declined to comment on whether they were concerned, but she said the network stands by a previous statement expressing support for O'Reilly.

The Fox News spokeswoman also referred us to Henry Holt and Company, which published "Killing Kennedy," for questions about O'Reilly's claims concerning de Mohrenschildt's death. Patricia Eisemann, a spokeswoman for Holt responded with a statement indicating the publisher will not follow up on questions raised by the new audio.

"We fully stand behind Bill O’Reilly and his bestseller 'Killing Kennedy' and we’re very proud to count him as one of our most important authors," Eisemann said. "This one passage is immaterial to the story being told by this terrific book and we have no plans to look into this matter."

Last week, Business Insider spoke to Eric Engberg, one of the former CBS reporters who questioned O'Relly's claims about the Falklands War. O'Reilly has disputed Engberg's comments about his work.

Engberg, offered his own theory that O'Reilly ended up making false claims about the protest because he conflated his actual experience with his 1998 novel.

"What he has done is he has fastened on to this fictional character that he invented for the book," said Engberg.

Engberg also described his memory of what happened when O'Reilly arrived at the CBS bureau in Buenos Aires.

"He's there and kind of walking around, huffing his shoulders," Engberg said of O'Reilly. "He introduced himself to one of the editors. ... O'Reilly went up to him and said, 'Hi, Bill O'Reilly weekend anchor and superstar reporter.'"

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NOW WATCH: 11 Facts That Show How Different Russia Is From The Rest Of The World

Anything you do on the Apple Watch should take less than 7 seconds, says app design firm (AAPL)

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Apple Watch

One of the biggest complaints about smartwatches so far has been that they pretty much perform the same tasks as your phone.

Many tech companies are still struggling to find what types of apps work best on a smartwatch, especially now that the Apple Watch is coming next month. 

Robbie Abed, director of marketing at app design firm Y Media Labs, says some of his clients are starting to think about whether or not they should make versions of their apps for the Apple Watch.

Some of Y Media Labs' clients include eBay, Shutterfly, BBC, Sesame Street, and Bank of America, although Abed couldn't specify which companies are expressing interest in building Apple Watch apps.

Still, Abed did provide some perspective as to how Y Media Labs is advising its clients when it comes to Apple Watch apps. Here's what he had to say:

  • Any interaction on the Apple Watch should take less than seven seconds. The number of seconds Abed chose is a bit arbitrary, but the idea is that anything you do on the watch should take significantly less time than it would on your phone. "If I want to know what the weather is, I'd have to go into my pocket, take out the phone, unlock the phone, and find the app, and that could probably take anything between 10-20 seconds," Abed said. 
  • The best Apple Watch apps will be made up of one or two of the most important features from a smartphone app. Abed says he usually asks clients interested in making Apple Watch apps what the "killer feature" of their app is.  If that's too difficult, he asks them to make a list of the five features their clients love the most, and then they try to narrow it down from there. "You can't provide us a list of 20 [features]," Abed said. "Imagine, if you go from a website that has 40 features, a mobile app might have 15, and the Apple Watch might have one or two.
  • The digital crown on the Apple Watch will probably be most useful for scrolling through lists, Abed says. In general, any app that requires a super simple action such as approving a financial transaction in an e-commerce app, or glancing at a to-do list, would work best on the Apple Watch. This is also probably true of most smartwatches, and Google is also taking a simplistic approach with its Android Wear-based watches by making voice commands a large part of how you interact with them.

We won't have to wait too much longer to learn more about how apps will work on the Apple watch. It's expected to be a major focus at Apple's big press event on Monday, where the company is likely to announce other details about its first smartwatch such as pricing and availability. 

SEE ALSO: There's one big difference in the way Apple approached the Apple Watch versus the iPhone

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NOW WATCH: How to get more space on your iPhone


RANKED: The 50 US state economies from worst to best

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crawfish crayfish corn

The US economy is making a big comeback, with GDP growing and unemployment falling.

Of course, that economy is the sum of 50 state economies, each with its own quirks and unique interactions with the others.

We ranked the states' economies on six measures: recent change in housing prices, nonfarm payroll job growth, unemployment rate, GDP per capita, average weekly wage, and state government surplus and deficit.

While we didn't factor them into the ranking, we also looked at the Fortune 500 companies that have their headquarters in each state and which industries were disproportionately important in each state. This helped us get a little more insight into what makes each state economy tick.

For more details on the sources and methodology, click here.

50: Mississippi

Mississippi came in as the weakest state economy in our ranking. The state has disproportionately large forestry and logging, furniture manufacturing, and wood-product manufacturing industries.

Mississippi came in dead last on three metrics: It had only 0.02% growth in nonfarm payrolls between December 2013 and December 2014; it had the highest December 2014 unemployment rate among the states at 7.2%; and it had the lowest 2013 GDP per capita of $32,421. It also finished second to last in Q2 2014 average weekly wages, at $705 a week.



49: Maine

Maine has the most forested land of any other state by percentage, and this shows up in the state's economy. Forestry and logging, paper manufacturing, and wood-product manufacturing account for a larger part of Maine's employment than they do in other states.

Maine scored poorly on many of our metrics. Maine saw only a 0.84% increase in jobs between December 2013 and December 2014. Maine's 2013 GDP per capita was also low at $38,518. Maine also had a low Q2 2014 average weekly wage of just $746.



48: New Mexico

Mining is a big part of New Mexico's economy, with mining support activities, oil and gas extraction, and other mining all contributing outsize shares of employment.

New Mexico's housing market saw limited improvement between Q3 2013 and Q3 2014, with housing prices rising just 1.24% year-over-year. The state government's finances were also weaker than most, with a 2013 surplus of just about $608 million, compared with an average of about $4.2 billion among all states. Average weekly wages in Q2 2014 were also lower than those of most other states, at $794 compared with an average of $879.



See the rest of the story at Business Insider

John McCain's explanation for why he doesn't use email is absolute gold

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John McCain

Sen. John McCain (R-Arizona) just gave a candid reply for why he doesn't use email.

According to a National Journal report published Wednesday, McCain said he might angrily fire off missives he ends up regretting later.

"I don't email at all," McCain said. "I have other people and I tell them to email because I am just always worried I might say something. I am not the most calm and reserved person you know? I am afraid I might email something that in retrospect I wish I hadn't."

McCain is sometimes known for speaking his mind when he is frustrated with others. At a January Senate committee hearing, for example, he told some hecklers,"Get out of here, you low-life scum." 

The National Journal article was focused on Democratic presidential front-runner Hillary Clinton's ongoing email controversy. A Monday night report in The New York Times revealed Clinton exclusively used a private email while serving as secretary of state, which reportedly violated federal guidelines. 

SEE ALSO: Read the angry emails Hillary Clinton's top aide sent to a bunch of reporters

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NOW WATCH: This Billionaire Proves You Don't Need Email To Manage An Empire

RANKED: The best smartphones in the world (VZ, T, DT, S)

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samsung galaxy note edge and galaxy note 4The spring is going to be a big month for smartphones. Both HTC and Samsung recently announced their new flagship phones: The HTC One and Samsung Galaxy S 6.

But if you don't want to wait until April, there are plenty of great phones available to buy today.

We update this list approximately once a month. Our rankings are based on a variety of factors including design, software and hardware features, content selection, carrier availability, and price. We only consider phones that are available in the U.S. at the time of publication. We list approximate prices for what phones cost without a contract. Prices vary from carrier to carrier and retailer to retailer. You can see February's smartphone rankings here.

#15 BlackBerry Classic

BlackBerry has gone back to the basics.

Its latest phone, the Classic, looks a lot like the BlackBerry Bold from a few years ago. It has a physical keyboard, trackpad, and larger screen. If you want a phone with a keyboard, the Classic is the best phone to buy.

Price: $449 unlocked from BlackBerry.



#14 Nokia Lumia 830

The Nokia Lumia 830 is one of the newest phones from Microsoft. It runs the Windows Phone 8 operating system and has a sharp 5-inch screen.

Price: About $450 on AT&T.



#13 HTC One M8 For Windows

The HTC One M8 For Windows is the best phone you can buy running the Windows Phone operating system. It has a gorgeous metal body and the new version of Windows Phone, 8.1, which includes the excellent digital assistant Cortana.

Click here for the HTC One M8 for Windows review >>

Price: Around $600.



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Jimmy Fallon just made a brutal joke about Hillary Clinton's 2016 chances

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Jimmy Fallon

On his show Thursday night, Jimmy Fallon made a crack that blows a hole in the idea Hillary Clinton is headed toward an inevitable victory in the 2016 presidential election.

Fallon's crack alluded to recent speculation that the controversy over Clinton's use of private email while she was at the State Department could boost her likely challenger in the Democratic primary, former Maryland Gov. Martin O'Malley. The comedian went on to point out that this was not the first time Clinton was seen as the overwhelming front-runner against a long shot.

"There's rumors that former Maryland Gov. Martin O'Malley may enter the race and challenge Hillary for the Democratic nomination," Fallon said. "Yeah, Hillary's not worried. I mean, who's going to go from being totally unknown to beating her for the presidency? … How would that ever happen?"

As Fallon spoke, a picture of Clinton's 2008 rival, then-Senator Barack Obama, flashed across the screen.

Watch Fallon's quip below.  

 

 

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NOW WATCH: This 40-year-old Indonesian is Obama's doppelgänger

These fascinating diagrams reveal how to manage people in different countries

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japan management

Japanese managers do their best to avoid telling anyone what to do.

This strategy, which is diagrammed on the right, is essential in a culture driven by honor, and it is possible thanks to strong intuitive communication traits.

In fact, every country has a unique management structure like this, according to linguist Richard Lewis, who has given us permission to publish the fascinating if sometimes mystifyingly complex management diagrams from "Cross-Cultural Communication: A Visual Approach."

To hear Lewis speak, sign up for his talk on the challenges of going global on April 22 in San Francisco, with a free webinar and article available for our readers.

Argentine managers win over their staff with a "combination of intellectual argument and openly friendly stance."



"The Aussies want their boss to join them in a healthy disrespect for rules and formalism, to lapse into broad speech and cuss a bit, to be affable and ironic at the same time, and to avoid flowery or obscure expressions."



Austrian managers use "a combination of folksy Austrian-accented German and sophisticated French loan-words."



See the rest of the story at Business Insider

Congress' strategy for Iran is turning into a mess

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The U.S. Senate abruptly changed course on Thursday on legislation aimed at giving Congress more influence over nuclear negotiations with Iran.

And the chamber's leadership is scrambling to figure out what to do next. 

The drama began earlier this week when even the Democrats who sponsored the legislation balked after Majority Leader Mitch McConnell (R-Kentucky) moved to directly bring their bill up for a vote, instead of letting it first work its way through a committee. In a statement, Minority Leader Harry Reid (D-Nevada) decried McConnell's "transparently political move."

"Protecting Israel and the world from a nuclear-armed Iran is too important of an issue to use in partisan political games," Reid said Thursday. "As leaders we should seek to build and cultivate bipartisan support for Israel, not try to score cheap political points. Democrats and Republicans joined together to ask Senator McConnell to reconsider his decision to rush this bill to the floor without the input of the senators who have worked so hard for months on this issue and he did the right thing by heeding their advice." 

The US and other powers are in the middle of negotiations with Iran to curb its nuclear program in exchange for rolling back economic sanctions. According to an October report in the New York Times, the White House is working to construct the agreement to avoid the section of the Constitution that grants the president the power to make treaties "provided two thirds of the Senators present concur."

Avoiding Congress means that the US and the other signatories would consider the Iran deal to be a series of quid pro quos, rather than a binding international agreement. This would remove any legal obligation for Iran and the US to actually follow the agreement. The agreement wouldn't legally require Iran to scale back its nuclear activities — just as it wouldn't obligate the US and its partners to reimpose sanctions if Iran were ever caught cheating.

At the same time, a Republican Congress is unlikely to pass the agreement in its current form if it were submitted for approval, and a legally binding treaty may be an unrealistic goal. And there's precedent for the executive branch cutting Congress out of non-proliferation deals: the Agreed Framework with North Korea in 1994 was also structured as a nonbinding agreement and was not submitted to the Senate for ratification.

But the Senate's bill is an attempt to shift the dynamic and prevent Obama from ignoring the legislative chamber's role in the negotiating process with Iran. According to Sen. Bob Corker (R-Tennessee), a lead sponsor of the bill, the Iran Nuclear Agreement Review Act of 2015 "mandates the president submit the text of any agreement [with Iran] to Congress and prohibits the administration from suspending congressional sanctions for 60 days."

A senior Republican aide told Business Insider on Friday that it is unfortunate President Barack Obama isn't working with the Senate to establish a permanent treaty with Iran.

"If the Obama administration wanted an agreement that would outlast his presidency, they would try to get a treaty under the Constitution," the aide said. "But because they're shooting for an executive agreement that will not be legally binding in any way, this whole exercise strikes many in the Senate as the president's attempt to punt the problem to the next president."

Democrats want to wait to vote on Corker's legislation, also sponsored by Sen. Bob Menendez (D-New Jersey), until after the March 24 deadline for the Iranian nuclear negotiations. According to a Reid aide, a new date for the bill has not been set for a vote. 

Additional reporting by Armin Rosen

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NOW WATCH: 14 things you didn't know your iPhone headphones could do

The top 20 scientific discoveries of early 2015

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While looking through soil researchers found what appears to be the first new antibiotic in decades, which could be crucial in the fight against the growing problem of antibiotic-resistance.

Astronomers found a supermassive black hole that's 12 billion times as massive as our sun.

And scientists mapped the epigenome, the genetic switches that activate or mute different parts of our DNA.

We're not far into 2015 and many of us have spent the first couple months of the year hiding from the cold and snow, but science has moved forward in the first two months of the year in some amazing ways.

At Futurism.co, Alex Klokus created an infographic that highlights 20 of the most impressive scientific advancements and discoveries this year so far. We've republished the graphic here with permission, but you can check out Futurism's interactive version to click through to a source for each story.

2015 Science Discoveries Infographic Final

SEE ALSO: Humans are about to make our first visit to a dwarf planet — a mission more than 100 years in the making

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NOW WATCH: 14 things you didn't know your iPhone headphones could do


American Express is getting crushed by its competition (AXP, V, C, DFS, COST)

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house housing construction demolition red

American Express is getting crushed by its competition.

American Express lost its 16-year co-branding agreement with Costco in February, saying the deal no longer made economic sense. And on Monday, Costco announced that it has agreed to a new co-branding agreement with Visa and Citi, starting next April.

In a note Tuesday, Macquarie Research downgraded the credit card company to "Underperform" from "Neutral."

Here's what analyst Vincent Caintic had to say about AmEx:

"AmEx continues to drive strong spend growth outside of Costco (7% y/y domestically in 2015E). However, intense competition makes it difficult for AmEx to maintain share, even with strong industry spends trends in consumer and commercial."

Macquarie is forecasting flat revenue growth for American Express in 2016 due to the loss of the Costco deal. Analysts estimated that Costco earned American Express around $80 billion in billed business annually.

"AXP is no longer a revenue growth story," Caintic wrote as part of Macquarie's bear case. "[It's possible that] AXP becomes more like Discover and other card-loan banks that rely more on the economics of card loans, given a competitive card transaction fee environment."

American Express shares are down nearly 12% year-to-date. Besides the end of the Costco deal, there's been news about the loss of an antitrust lawsuit, and the end of another co-branding agreement with JetBlue.

Caintic wrote that for the share price to return to the level it was before all these headlines, investors need to see 8% revenue growth (compared to the expected 3% currently), and up to 15% growth in earnings per share year-over-year.

Caintic also cautioned investors against being long into the company's March 25 investor day meeting, and said that from current levels, there is only about 7% potential upside to AmEx shares, while downside potential is "significant" at 21%. 

Here's how American Express shares have performed in the last few months:

amex ytd

SEE ALSO: American Express had a terrible 6 months — and it was great for Warren Buffett

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How a filmmaker finally infiltrated Scientology for HBO's explosive documentary

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scientology going clearOscar-winning director Alex Gibney (“Taxi to the Dark Side,” “Enron: The Smartest Guys in the Room”) remembers how he reacted the first time he was offered the chance to do a film on the Church of Scientology.

"I turned it down," he told Business Insider recently at HBO's New York City offices. Like many filmmakers who wanted to investigate Scientology, the uncertainty of doing it without getting bogged down in an expensive legal battle turned him off of the project.

Alex GibneyBut two years ago the offer came back around and this time he couldn't turn away.

What was different was the involvement of journalist Lawrence Wright  who Gibney previously worked with on “My Trip to Al-Qaeda and his latest book, “Going Clear: Scientology, Hollywood & The Prison of Belief.”

Gibney couldn't put the book down and so started a two-year journey making “Going Clear,” opening theatrically in limited release March 13 and on HBO March 29.

The documentary highlights the church’s origins by creator L. Ron Hubbard, the celebrities who made the religion intriguing to the world, and the horrific stories of abuse from former members. But Gibney says for him the entry point was not the sensationalism but rather the people who seeked out Scientology to find better lives.

"I was like Larry, he wanted to find out what people got out of it," said Gibney. "And from my previous films (“Mea Maxima Culpa: Silence in the House of God” and “We Steal Secrets: The Story of WikiLeaks”) I got very interested in noble cause corruption and how when people are convinced of the nobility of the belief system they can do the most appalling things."

alex gibney lawrence wright

First, Gibney had to decide which stories to investigate from Wright's book.

Knowing he couldn't touch on all of them in a two-hour film, he homed in on some of the major stories: Scientology's battle to be recognized as a tax-exempt religious organization, how the church has used movie stars like John Travolta and Tom Cruise to heighten its profile and in some cases manipulating them so they stay in the church, and the high-level members who left Scientology and were willing to speak out, like Oscar-winning director Paul Haggis.

Haggis had already blown the lid off the inner workings of Scientology when he talked to Wright for The New Yorker in 2011, which is what sparked Wright to write his book. 

Scientology, however, has built a reputation for not only going after people who try to uncover church happenings but also tormenting members who leave it either by surveillance or harassment. Aware of this, Gibney says he took very cautious steps to ensure the safety of those who spoke in front of his camera. He would never film the former members at their homes, and Gibney would never arrive at meeting places at the same time as his subjects.

church of scientologyGibney’s approach to secrecy came from his talks with Wright, who used similar methods when he interviewed former church members for his book. “I often used throw-away phones and encrypted e-mail,” he said. “People were so frightened.”

Gibney would discover that fear also spread to the media. Licensing footage of anything related to Scientology for his film through the major news outlets turned out to be impossible. “They all declined to license it to us for legal reasons,” he said, which forced him and his team to declare fair-use, permitting limited use of copyrighted material without acquiring permission.

But the biggest battle is the one Gibney and HBO are currently facing.

Since the film premiered at the Sundance Film Festival in January, Scientology has gone on the attack to discredit Gibney and the film. The church bought out a full-page ad in The New York Times before it screened at Sundance, comparing Gibney and his work to the now infamous Rolling Stone story about rape at the University of Virginia.

In February, the Church released a video on the YouTube page of its publication Freedom denouncing the film’s claims about the horrible living arrangements for its Sea Organization members — the clergy of Scientology who sign billion-year contracts to serve the church — instead showing lush locations they inhabit and the beautiful facilities the church offers members.

Gibney told BI that he did reach out to Scientology to comment for the film, as well as Travolta and Cruise, but all declined. HBO Documentary Films president Sheila Nevins has said the production company has around 160 lawyers looking at the film. 

Tom Cruise Scientology VideoGibney believes that all of these tactics done by the church to discredit his film are intended not for the general public but for the members of Scientology (which, according to the film, is around 50,000 people). “They are playing a PR game with them to say, ‘Look at these evil people who are attacking us. Look how valiantly we are trying to defend our organization,’” he said.

But, says Gibney, "There is this palpable sense that the storm is turning," he said. "Something is changing."

"Going Clear" opens theatrically in limited release March 13 and on HBO March 29.

SEE ALSO: Here's why HBO's Scientology documentary is so critical of Tom Cruise

MORE: 6 Crazy Things Revealed In HBO's Explosive New Scientology Documentary 'Going Clear'

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The 20 best places to live overseas

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globalmap

Tired of your old job? Looking for a new environment? There are a lot of reasons to leave your home country behind in search of greener pastures, but picking where to go can be an overwhelming decision.

There are a lot of conflicting factors: job opportunities, salary considerations, quality of life, safety, and childcare are just a few. HSBC has made the decision a whole lot easier with its latest annual Expat Explorer survey

The survey ranks the best places to go based on experience, economics, and raising children abroad, with subcategories for each group. We've picked out the top 20 places overall. (But you can also personalize the rankings based on which factors matter to you.)

20. Belgium

Belgium ranked highly for raising children abroad, healthcare, and learning a new language.  

The country was below average for overall experience and economics categories but ranked especially low for sports and healthy diet — unsurprising when you consider the beer, chocolate, and waffles.

Belgium is also relatively free of violent crime, though muggings and pickpocketing are common in the country's larger cities.



19. Malaysia

Adventurous expats are likeliest to head to Malaysia. Forty-nine percent told HSBC that the need for "a new challenge" motivated their move.

Those who make the move seem to love it, with expats in Malaysia scoring highly for learning the local language, traveling more, and exploring Malaysia's fascinating culture. 

Malaysia tends to be very affordable, ranking highly for accommodations and local shops and markets.  

The country is only middle of the pack, however, in economic measures and raising children abroad. Education is decent but expensive, and the quality of childcare is not good.



18. Japan

Japan's stagnant economy has it ranking low in economic measures, but the country makes up for it with its exceptional healthcare, travel options, and local culture. It doesn't hurt that the food is healthy and delicious, ranking first in both diet and local food.

In addition, Japan ranks highly in raising children abroad, thanks to its high-quality, affordable education.

One expat described the people in Japan as such:

"The people here are so friendly and go out their way to help you, even if they speak limited English. I feel welcome here."



See the rest of the story at Business Insider

A man was arrested for refusing to give his phone’s passcode to border agents

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cbsaAlain Philippon, a Quebec man that had flown back to Canada’s Halifax International Airport after a trip to the Dominican Republic, was stopped and arrested by border agents after he refused to offer up his phone’s passcode.

In a statement to CNET, a spokesperson for the Canadian Border Services Agency said Philippon was indeed “arrested under section 153.1 of the Customs Act for hindering,” and then cited that act, which “authorizes officers to examine all goods and conveyances including electronic devices, such as cell phones and laptops.” 

Philippon, 38, faces a minimum fine of $1,000 and a maximum fine of $25,000 with possible jail time.

The CBC notes that in Canada, Section 8 of the Charter of Rights and Freedoms says everyone has “the right to be secure against unreasonable search or seizure.” And the Supreme Court unanimously ruled that police can search devices of people they arrest, but only under "narrow circumstances," and the search must relate directly to the arrest.

But this case in particular — not giving up your passcode to authorities — has never been litigated in Canada. 

iphone 5c passcode unlockIt’s not the same as handing over your phone; since a smartphone carries much more information than a typical "good," offering one's passcode could amount to self-incrimination, which is why the Fifth Amendment exists in the US, to protect people from incriminating themselves. Also, police in the US must get a warrant before they can inspect cell phones, as they carry a wealth of personal information.

Here’s what the Electronic Frontier Foundation (EFF) says on this issue:

Courts have generally accepted that telling the government a password or encryption key is “testimony.” A police officer cannot force or threaten you into giving up your password or unlocking your electronic devices. However, a judge or a grand jury may be able to force you to decrypt your devices in some circumstances.

Hanni Fakhoury, senior staff attorney at the EFF, told CNET that “the standards for search and seizure are relaxed” at the US borders, and agents don’t need a warrant, or even suspicion, to search your devices. But, in one important instance, the Ninth Court of Appeals says a “forensic examination” does require “reasonable suspicion” — it’s just unclear if offering one’s passcode qualifies as a “forensic examination.”

Right now, Canadian laws don’t treat cellphones or smartphones any differently from other goods, so, they are subject to examination. The Supreme Court of Canada also says police can try to crack one's passcode, but a person has no obligation to give up their password to police, under the charter right to silence.

That said, in the case of the Canadian border, where laws may be pushed back in favor of national security, the power to demand a person to offer up their password has “yet to be constitutionally tested,” the CBC notes.

Philippon’s court hearing is scheduled for May 12.

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This laser writing on a human hair will blow your mind

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What better way to build your brand than to etch your emblem into a human hair? That's exactly what scientists at IBM have done using a powerful type of laser called an excimer laser.

The average human hair is about 100 micrometers thick. That's really thin. So, thin, in fact, that if you stacked 254 human hairs one on top of the other, your stack would only be one inch high.

And the laser that IBM scientists used was so precise that, on that 100 micrometer strip, they were able to etch the letters I, B, and M not once, but twice!

laser-etched hair

These powerful lasers are used for certain surgeries that require a high-level of precision, like eye-laser surgery, because they can make clean, narrow cuts in human tissue, as evidence in the impressive image shown above.

The first people to recognize this potential in the early 1980s were IBM scientists Rangaswamy Srinivasan, Samuel Blum and James Wynne. For their discovery, the three scientists were elected to the National Inventors Hall of Fame in 2002.

This image is included in the image gallery for this year's March meeting hosted by the American Physical Society, where James Wynne spoke at a Thursday session about his history with lasers at IBM.

READ MORE: Scientists have finally found and photographed the tiniest life on Earth

SEE ALSO: Amazing New Material Is So Water-Resistant That Liquid Bounces Right Off

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