Monthly Archives: October 2019

Airbnb hosts reportedly used closed Facebook groups to gossip about guests and share lewd, personal information


  • Thousands of Airbnb and VRBO hosts reportedly used closed Facebook groups to gossip about the guests staying in their short-term rentals, according to screenshots collected by travel site Skift.
  • The report identified two groups: “Airbnb Guests Blacklist” and “Airbnb Host Community – Vent, Recommend, and Discuss,” where hosts shared anecdotes about guests they found to be annoying.
  • This venting reportedly veered into invasions of privacy, with hosts posting photos and names of guests, along with speculations about guests’ sexual activities. In some cases, hosts reportedly outed guests by sharing information about their sexual orientation with thousands of other Facebook users.
  • Facebook confirmed that it has already banned one of the groups and is investigating the other in a statement to Business Insider.
  • Visit Business Insider’s homepage for more stories.

Thousands of short-term rental hosts with listings on Airbnb and Vrbo have used closed Facebook groups to gossip about their guests, frequently sharing guests’ personal information and photos, according to screenshots collected by the travel site Skift.

The gossip reportedly took place in at least two Facebook groups, titled “Airbnb Guests Blacklist” and “Airbnb Host Community – Vent, Recommend, and Discuss.”

A Facebook spokesperson confirmed that Facebook has taken down the “Airbnb Guests Blacklist” group for violating its terms of use. Facebook is still investigating the other closed group in question, the spokesperson said.

Both groups were intended as places for short-term rental hosts to exchange information about guests they didn’t like in order to warn other hosts, the screenshots show. In many cases, hosts would post names, photos, and other identifying information about guests – an apparent breach of Airbnb’s community standards.

In one post to the group “Airbnb Host Community – Vent, Recommend, and Discuss,” which has 16,715 members, an Airbnb host reportedly posted a photo and profile of a potential guest from the Philippines, along with a message from the potential guest that included information about his sexual orientation: “Hi. I would like to know if it’s fine if I will bring a guy in one of my stays? Just in case I was able to hook up with any guys there? Thanks.”

The host reportedly wrote in the Facebook group, “So I go into the app and I see this crap. I’m like ‘Seriously Lil’ Dude…like wtf? My finger went into the Decline button so fast that it felt like my ex-wife was calling. LMAO.”

In another post, a woman reportedly shared a photo that she said depicted one of her guests urinating in her backyard, along with the guest’s name, complaining that “these pigs cannot bother going inside to use the toilet and are peeing all over my yard.”

An Airbnb spokesperson told Business Insider that it will take action if it finds that the posts violate Airbnb’s community standards. It’s against those standards for hosts to expose guests’ personal information, like names or photos.

The secretive family of Dutch billionaires got as much as $4 billion richer this summer, and no one knows how they’ll spend the money

A secretive family of Dutch billionaires will end 2019 with as much as an extra $4 billion in their family trust after having sold eyewear maker GrandVision to the company behind Rayban this summer.

The Van der Vorms built the majority of their $11.2 billion fortune off a cruise line that Willem Van der Vorms sold to Carnival for $625 million in 1988, according to The New York Times.

In July, The Van der Vorms sold GrandVision to Franco-Italian eyewear empire EssilorLuxottica for 7.3 billion euros ($8.1 billion), Bloomberg reported at the time. At the time, the family owned 77% of GrandVision and profited as much as $4 billion from the sale.

The profits from the sale will be put into HAL, the publicly traded trust controlled by the Van der Vorms, according to Bloomberg. As for where the money will go, there’s currently little clarity: The family could use it to pay dividends to shareholders, reinvest in something else, or use it to retire and become full-time philanthropists, ABN Amro Bank NV analyst Thijs Berkelder told Bloomberg.

The last time the family had major windfall – $625 million from the sale of the Holland America Line in 1988 – they used it to start HAL, according to Dutch News.

Representatives of HAL did not respond to Business Insider’s request for comment on how the funds will be used.

The family is ‘unusually secretive’ for its level of wealth

Analysts told Bloomberg that both HAL and the Van der Vorm family are unusually secretive for their level of wealth and do not respond to requests for information. Both HAL’s public documents and the website of their charitable foundation refer to family members only by their initials.

The little that is known about the family’s finances was revealed by the Panama Papers, a trove of documents leaked from a Central American law firm in 2016 that revealed the intimate financial dealings of 12 country leaders, 128 public officials, and 29 Forbes-listed billionaires, Bloomberg reported. The leak revealed that HAL also maintained a headquarters in Curacao, a Dutch Caribbean island known for using low tax rates to attract wealthy foreigners, according to Deloitte.

The new owners of GrandVision, EssilorLuxottica, have an already expansive portfolio of eyewear brands that includes Coach New York, Armani Exchange, Burberry, Chanel, Ralph Lauren, Tiffany & Co., Tory Burch, Versace, and Brooks Brothers, Oakley, Foster Grant, and RayBan, according to its website. The company also owns the Lenscrafters and Pearle Vision chains of eyeglass stores.

The Van der Vorms are not the only billionaires to see their investments in the fashion and beauty space pay off in 2019. Growing Chinese demand for luxury goods has raised the share prices of Bernard Arnault‘s LVMH, Francois Pinault’s Kering, and Francoise Bettencourt Meyers’ L’Oréal, adding $53 billion to the French billionaires’ combined fortunes in 2019.

Read the full story on Bloomberg >>

Leaked images claiming to show Motorola’s foldable Razr smartphone suggest it’ll look like a modernized version of the iconic flip phone


Motorola is unveiling its highly-anticipated foldable smartphone that’s said to be a revamp of the company’s iconic Razr flip-phone on November 13.

But why wait when there are leaked photos online?

On Thursday, Dutch tech site Mobielkopen and gadgets leaked Evan Blass got a hold of some images that supposedly show the new Motorola Razr, giving us a much better idea of what to expect on November 13. You can check out the photos on their website here.

Here’s a photo from Blass’ Twitter account, @evleaks:

moto razr 2

Evan Blass / @evleaks

We already got a sneak peak of the new Razr in Motorola’s launch event invitation. It gives you an idea of the phone’s profile and hinge:

Motorola Nov. 13th Save The Date


Mobielkopen doesn’t say where it got the images from, and there’s no official confirmation the images are actually of the new Motorola phone. But it appears that the hinge in Motorola’s event GIF and the leaked photos are identical, which lends some credence to Mobielkopen’s images.

Apart from its Razr-like design, little else is known about the device, and other details are left in the rumorsphere, which primarily originate from XDA-Developers. If you wanted to abide by rumors, you could expect mid-range specs from 4-6 GB of RAM and a Snapdragon 710 processor. It’s also suggested that the new Razr will have a 6.2-inch OLED screen when unfolded, and a smaller display on the exterior, just like the original Razr.

What is long-term care insurance?

Long-term care insurance can help minimize the costs of healthcare late in life.

Long-term care insurance can help minimize the costs of healthcare late in life.
Kentaroo Tryman/Getty

  • Long-term care comes at a huge cost to many retirees living in the US.
  • Long-term care insurance covers costs related to in-home aid, assisted living facilities, and nursing home care, which aren’t covered by Medicare.
  • If you think you’ll need help paying for long-term care, it’s recommended to buy a policy between ages 52 and 64 to secure the best rates.
  • Long-term care insurance usually kicks in anywhere from 30 to 90 days after eligibility is confirmed and will pay a daily benefit amount up to a maximum number of days or amount of money.
  • Read more personal finance coverage.

Healthcare is the largest expense most retirees face.

Medicare doesn’t cover everything, including most long-term care needs, so many Americans are forced to drain their own savings, lean on family and friends, or use private insurance to afford daily assistance if they need it.

As of 2016, a semi-private room in a nursing home costs, on average, $6,845 a month, according to the US Department of Health and Human Services, while a completely private room will set you back about $7,700 a month. A one-bedroom unit in an assisted living facility costs around $3,630 a month and an in-home health aide charges about $20.50 an hour, on average.

Even if these costs seem manageable at face value, they can add up tremendously. Researchers from the Urban Institute estimate that more than half of Americans over age 65 will develop a disability that requires long-term care for two years or less at an average total cost of $138,000. About one in seven adults, they found, would need care for more than five years.

Long-term care insurance can help minimize these costs.

What is long-term care insurance?

Long-term care (assistance beyond 100 days) is generally not covered by Medicare because it’s considered custodial care and not medical care. While Medicaid does cover long-term care for millions of Americans, there’s an exceptionally low income threshold to qualify.

Long-term care (LTC) insurance can help retirees who don’t want to spend down their assets to qualify for Medicaid afford the cost of an in-home caretaker, or a stay at an assisted-living facility, skilled nursing facility, or nursing home.

How does long-term care insurance work?

Like all other forms of insurance, once you buy an LTC policy and begin paying the monthly premium, you become entitled to the benefits.

Coverage on most LTC insurance policies kicks in once the policyholder needs help with two or more of the six Activities of Daily Living (ADLs): eating, bathing, dressing, transferring, using the toilet, and maintaining continence. Severe cognitive impairment that increases the policyholder’s health and safety risk also qualifies.

Each policy has an elimination period, which states the number of days the insured must wait to receive benefits after the insurer determines they’re eligible. A typical elimination period is 30, 60, or 90 days.

The amount of money the policyholder will be reimbursed for is known as the daily limit. This is outlined in the policy and usually around $150 a day or more. The insurer will continue paying the daily benefit up to a maximum number of days, typically a period between two years and 10 years, or up to a specified amount of money.

Who needs long-term care insurance?

It’s difficult to know whether or not a person will need long-term care in their later years, just as it’s impossible to predict whether a person will ever need to draw on the benefits of homeowners insurance or life insurance. But if you’re concerned about the costs of elder care and know your own savings or help from family won’t cover it, it’s a good idea to get long-term care insurance.

According to the US Department of Health and Human Services, those most likely to need long-term care are women, because they statistically outlive men and in many cases wind up at home alone; people with chronic illnesses that lead to disability; people with a poor family health history; people with poor diet and exercise habits; and people with a chronic condition like diabetes or high blood pressure.

How much does long-term care insurance cost?

The longer you wait to buy long-term care insurance, the more expensive it is. Insurers determine premiums based on age, health, the type of policy, benefit period, and coverage amount. The American Association for Long-Term Care Insurance recommends buying a policy between ages 52 and 64 for the best rates.

A single male in good health will pay about $2,050 year, on average, while a single female will pay $2,700 annually, according to the organization’s data. For a couple aged 55, the average annual premium is around $3,050.

It’s important to note that insurers reserve the right to increase your premium after you buy the policy, as long as they do it for all policyholders in the same classification.

People who already need help with any qualifying daily activities, have had a stroke in the last several years, or have dementia, a progressive neurological condition, AIDS, or metastatic cancer may be denied long-term care insurance.

Where do I buy long-term care insurance?

Most LTC insurance policies are sold by about 15 to 20 insurers nationally, according to the US Department of Health and Human Services. It pays to shop around and compare quotes online, but be sure to always check an insurance company’s ratings before buying a policy to get an idea of its claims payout history and track record.

LTC insurance can get complicated, so you may considering getting help from an insurance broker or certified financial planner to make sure you’re choosing the right policy for your needs.

Your employer may also offer long-term care insurance at a group rate, which is often cheaper than the cost of an individual policy.

Related coverage from How to Do Everything: Money:

A controversial ad campaign shows a blood-covered girl holding a menstrual cup, and critics say it makes the issue worse

A new ad from a Kenyan advocacy organization has attracted ire online.

A new ad from a Kenyan advocacy organization has attracted ire online.
This Ability

  • A new ad campaign, featuring a girl holding a menstrual cup with her face covered in blood, has prompted confusion and anger online.
  • The company behind it, which advocates for people with disabilities, said the ad is intended to end shame and stigma around menstruation and recognize a need for accessible menstrual products.
  • Opponents say it relies on shock value, reinforces stereotypes about women and menstruation being “unclean,” and unethically portrays a girl with a disability.
  • Visit Insider’s homepage for more.

The image is startling – a girl with half her face covered in blood. A double-take reveals it’s menstrual blood since the bottom half of the photo shows the girl, who is missing fingers, holding a menstrual cup, which is an alternative to a tampon or pad.

The image, featured on a billboard in Kenya, is part of an ad campaign by This Ability, a Kenyan advocacy organization for people with disabilities, especially women and girls.

The caption #EndPeriodStigma, and online commentary on the ad, suggest it’s intended to make people confront their discomfort around menstruation, and consider how to make sanitary products more accessible for everyone.

But instead, it’s prompted confusion and anger online, where people say the ad does just the opposite: Rather than making menstruation more acceptable, it uses shock value to attract attention, tokenizes the girl in the picture, and evokes stereotypes of periods (and women) as unclean.

“This ad is the most irresponsible way to address menstrual taboos,” Dr. Stellah Wairimu Bosire, a Kenyan physician and gender equality activist, told Insider. “Their thoughts are in the right place, but they portrayed it wrongly.”

The campaign’s intentions are to normalize menstruation, particularly for women and girls with disabilities

In September, a 14-year-old Kenyan girl killed herself after being shamed by her teacher for having her period. Her death prompted advocates to speak out against period-shaming and work to reduce stigma.

But women and girls with disabilities were still left out of that conversation, according to a statement This Ability sent Insider via email. So the organization launched the recent ads bring awareness to the complications those women and girls face in accessing and using menstrual products not designed with them in mind, the statement said.

“The reality is that there is a distinct invisibility of the sexual and reproductive rights of women and girls with disabilities within policies and programming in Kenya,” the statement said. “It is an issue that can be swept under the carpet and quickly forgotten, and unfortunately, it has become the responsibility of those working in the disability sector to continuously advocate for these issues without much success.”

Since prompting criticism, the organization has stood by its campaign, tweeting, “Why is it so hard to accept the truth about the reality faced by women and girls with disabilities as they experience their menstruation?”

Critics say rather than normalizing menstruation, the campaign stigmatizes it

Bosire told Insider people who menstruate continue to face stigma, often causing low self-esteem in young girls, because periods are thought to be “dirty” and “disgusting.”

“It’s a completely normal reproductive function, but stigma surrounding menstrual health has always been about myths,” she said. “You don’t dispel these myths [about] menstruation by showing a girl with blood smeared on [her] face.”

Bosire added that reactions to the ad illustrate why it’s a problem. “People have been saying, ‘This is disgusting,’ and that’s exactly what we’re trying to fight when it comes to accepting menstruation as a normal process. Portraying this really just perpetuates the stigma,” she said.

Critics have also raised concerns of the ethics of using the young girl pictured in the ad to send the message. Bosire said it is exploitative to use a minor and someone with a disability to attract attention, and demeaning to portray her covered in menstrual blood since it implies she is also unhygienic or dirty.

Reducing the stigma around menstruation remains important.

Reducing the stigma around menstruation remains important.
Crystal Cox/Business Insider

The accessibility of period products is a concern that needs to be addressed

Bosire said a larger issue related to menstruation is that access to sanitary products is still a problem – menstrual cups may be more cost effective than purchasing pads or tampons, but they require reliable access to clean water in order to use them safely.

People with disabilities face additional complications. For example, visually impaired people may have difficulty understanding how to use menstrual products without braille instructions, and physically-impaired people may lack the dexterity to use the products.

Bosire said the conversation needs to be had, but in a different way. She noted that a recent ad campaign from Thinx, which envisions what would happen if men had periods, is a good example of the right way to raise awareness.

“Involving men and boys makes us think about the complexities of menstruation and the stigma, on that issue, and that messaging addresses social norms and behaviors,” Bosire said.

Read more:

Your period could be more than 90% cheaper if you switch to menstrual cups, new research finds

Always is removing the female symbol from its menstrual products because not everyone who has a period is a woman

The World Cup-winning US women’s soccer team tracked their periods for peak performance, and evidence shows everyday athletes can benefit from doing the same

People are trying to donate care-packages to the US military dog that helped taken down the ISIS leader — but it’s nearly impossible

  • Public interest and donations towards military working dogs have increased following news of the US military’s raid against ISIS leader Abu Bakr al-Baghdadi in northwest Syria.
  • One family told Insider that “Conan,” the purported name of the dog that helped take down al-Baghdadi, deserved their care-packages and “needs the biggest bone ever as a ‘thank you.'”
  • Multiple US military branches did not comment on whether the dog and its handler could accept care-packages. Government ethics rules prohibit service members and their families from soliciting gifts for their “official positions.”
  • But just as civilians are able send military care-packages to troops serving overseas, military working dogs and their handlers are able to accept care-packages through non-profit organizations.
  • Visit Business Insider’s homepage for more stories.

A 10-year-old girl and 13-year-old boy from Virginia are seeking to send a car package to the military working dog that played a role in the raid against ISIS leader Abu Bakr al-Baghdadi in northwest Syria.

The dog, whose name is “Conan,” according to President Donald Trump, appeared to be a Belgian Malinois, the same breed used during the mission against the al Qaeda leader Osama bin Laden in 2011. The dog is reportedly named after comedian Conan O’Brien.

Julie, who works in medical device sales in Virginia, and her husband, a government contractor, said her family was always interested in adopting dogs that failed out of training academies. The family has two dogs, a cat, and fish.

“We got a vet store at our house,” Julie said to Insider.

Julie explained that she was first informed of the dog after President Donald Trump published a photo on Twitter: “My husband had sent me a screenshot of Trump’s Twitter feed,” Julie said. “I don’t follow Trump but he sent me a screenshot of the dog.”

Julie then showed the picture to her kids, 13-year-old John and 10-year-old Maddie, who said the dog “needs the biggest bone ever as a ‘thank you.'”

“The kids were just worried how he was injured, how hurt he was,” Julie said. “These people put their lives in danger, as well as this animal, for us.”

“Thank you for being so heroic and helping take down a horrible man,” John said of the US troops in a text message. “We love the name and hope that Conan meets the real comedian.”

A US Air Force Airman and a military working dog participate in a simulated narcotic/bomb detection exercise at Davis-Monthan Air Force Base, Arizona, September 23, 2019.

A US Air Force Airman and a military working dog participate in a simulated narcotic/bomb detection exercise at Davis-Monthan Air Force Base, Arizona, September 23, 2019.
Airman 1st Class Kristine Legate / US Air Force / DVIDS

Multiple US military branches did not comment on whether the dog and its handler could accept care-packages. Government ethics rules prohibit service members and their families from soliciting gifts for their “official positions.”

There are some exemptions to unsolicited gifts, excluding money, for US service members. Food and drinks that are “not part of a meal;” trophies; bank loans that are already available to the public, and gifts valued at “$20 or less from one source,” are just a few exemptions from the rule.

But just as civilians are able send military care-packages to troops serving overseas, military working dogs and their handlers are also able to accept them. For over 16 years, the US War Dog Association has been sending out thousands of packages containing items like treats, toys, goggles, and dog boots.

Around 70% of the items in the non-profit organization’s care-packages are for the dogs. The remaining goods, such as hygiene items for human use, are meant for the handler. Some items, like a dog harness are specifically requested by a handler.

“We ship directly to the canine handlers or the kennel master,” Ron Aiello, the president of US War Dog Association, said to Insider. “By doing this, we know they’re getting the packages.”

“We’ve been doing this now since 2003, when we first started sending these over to troops over in Afghanistan.” Aiello added. “And all this time, we haven’t lost a package.”

Aiello explained that it was “impossible” to send care-packages directly to a specific dog, such as the one that participated in the al-Baghdadi raid, and said any donations would get sent to units that specifically request a particular item, or to general canine units.

Callie, a search and rescue dog for the Kentucky Air National Guard’s 123rd Special Tactics Squadron, rides in a UH-60 Black Hawk helicopter as part of her familiarization training at the Boone National Guard Center in Frankfort, Kentucky, November 29, 2018.

Callie, a search and rescue dog for the Kentucky Air National Guard’s 123rd Special Tactics Squadron, rides in a UH-60 Black Hawk helicopter as part of her familiarization training at the Boone National Guard Center in Frankfort, Kentucky, November 29, 2018.
Staff Sgt. Joshua Horton / US Air National Guard / DVIDS

There are also other ways for the public to show its support for working military dogs. Roughly half of the dogs that receive training fail to meet the military’s standards and are put up for adoption. In Lackland Air Force Base in San Antonio, Texas – where dogs are reared at a whelping facility, trained, and return from service – some of the aspiring canines can be fostered and adopted.

Mission K9 Rescue, a Texas-based nonprofit group that rehabilitates retiring dogs and helps reunite the them with their handlers, is one group that supports the canines. Since 2013, the group helped find homes for over 550 dogs, and reunited 300 dogs with their handlers.

“These dogs train like athletes all their lives,” Bob Bryant, the CFO of Mission K9 Rescue, said to Insider. “They are basically tireless. A Belgian Malinois is an incredible bundle of energy. They actually never stop moving unless they finally pass out and go to sleep.”

Trump hailed al-Baghdadi’s death as a US victory and praised the dog and US troops for their service during a press conference on Monday.

“He reached the end of the tunnel, as our dogs chased him down,” Trump said, referring to Baghdadi, who detonated an explosive vest killing himself and two children.

Trump and military officials said the dog received minor injuries in the raid. Pentagon officials on Wednesday said the dog was injured after touching some exposed electrical wires while chasing al-Baghdadi. The dog conducted over 50 combat missions during its tenure.

Gen. Mark Milley, the chairman of the Joint Chiefs of Staff, said that because the dog was still in a combat zone, he would not be disclosing its name. Despite the public release of the dog’s photo by Trump, military officials declined to release its name due to security measures.

“We will not release the name of the dog right now,” Milley said during a press conference on Monday. “But the dog is still in theater … so we will not release just yet photos, or names of dogs, or anything else.”

Mark Hertling, a retired US Army general and CNN military analyst, theorized that disclosing the dog’s name could compromise operational security by linking it to its human handler and special operations unit.

Trump said on Thursday that the dog would visit the White House next week. Trump also appeared to confirm the dog’s reported name, Conan, with a photoshopped picture of him presenting a fake award.

“Very cute recreation, but the ‘live’ version of Conan will be leaving the Middle East for the White House sometime next week,” Trump said on Twitter.

Farm bankruptcies jump to highest level since 2011 as Trump’s tariffs bite

Farm equipment provides a backdrop as U.S. President Donald Trump takes the stage to deliver remarks on agriculture Kirkwood Community College in Cedar Rapids, Iowa.

Farm equipment provides a backdrop as U.S. President Donald Trump takes the stage to deliver remarks on agriculture Kirkwood Community College in Cedar Rapids, Iowa.
Reuters/Jonathan Ernst

  • A tit-for-tat tariff dispute between the Trump administration and China has piled on pressure in an already strained Farm Belt.
  • Between January and September, Chapter 12 bankruptcy filings rose by nearly a quarter to the highest level since 2011.
  • The unprecedented amount of aid the administration has delivered to farmers has raised concerns about misuse of funds and drawn backlash from agricultural groups and bipartisan lawmakers.
  • Visit Business Insider’s homepage for more stories.

A tit-for-tat tariff dispute between the Trump administration and China has piled on pressure in an already strained Farm Belt, leaving an increasing number of growers unable to stay afloat.

Farmers filed 580 Chapter 12 bankruptcy filings between January and September, according to the American Farm Bureau Federation, the largest farm advocacy group in the country. That was a 24% increase from the previous year and the highest level since 2011, when there were 676 filings.

China placed steep tariffs on US farm products last year to retaliate against punitive moves by the Trump administration, adding to challenges for farmers already faced with harsh weather conditions and low commodity prices. Those have sent exports sharply lower and made it difficult for growers to plan the next harvest.

“Farmers and ranchers struggle with a prolonged downturn in the farm economy that’s been made worse by unfair retaliatory tariffs on US agriculture as well as two consecutive years of adverse planting, growing and harvesting conditions,” said John Newton, the chief economist at the federation.

Ahead of the 2020 elections, the president has increasingly attempted to placate farmers who helped elect him in 2016. The Trump administration has announced nearly $30 billion in bailout programs designed to mitigate losses from the trade dispute.

But the unprecedented amount of government aid has raised concerns about misuse of funds and drawn backlash from agricultural groups and bipartisan lawmakers. Roughly 40% of farm income is expected to come from government aid, according to Department of Agriculture data analyzed by the federation.

“The trend is a concern,” Newton said. “The support provided to farmers in 2018 and 2019 is expected to alleviate some of the financial stress; however, not all farmers will benefit from trade assistance, farm bill programs, crop insurance or disaster aid.”

Farm bankruptcies rose to or above decade-highs this year in Iowa, Kansas, Maryland, Minnesota, Nebraska, New Hampshire, South Dakota, Wisconsin and West Virginia, according to the federation.

The president often acknowledges that farmers have been hurt by retaliatory tariffs but asserts that protectionism will help win fairer agricultural policies in the long run.

“Our farmers have been great. They never wavered,” Trump said in a Cabinet meeting last week. “And I think, in many ways, the farmer maybe is going to be the biggest beneficiary of what we’re doing – certainly one of them.”

Screen Shot 2019 10 31 at 1.35.16 PM


Now read: Trump says US and China will announce new location to sign mini trade deal ‘soon’

Juice, sex, and Google: The 3 rules everyone should follow when they start swiping, according to the NYC woman getting paid $5,000 to fix clients’ dating apps

Always Google your dating app match before going on a date with them.

Always Google your dating app match before going on a date with them.
Thomas Barwick/Getty Images

  • People of all ages, genders, and sexual orientations are spending upwards of $5,000 for Amy Nobile of New York City-based dating service Love, Amy to fixing their dating apps.
  • And that’s not all she does: Nobile helps them with everything from wardrobe consultations to photoshoots for their profiles.
  • She also gives all clients three basic rules to follow before they start swiping: First dates should be 30 minutes long over juice or coffee; sex should wait until the third date; and always Google someone before going on a date with them.
  • Visit Business Insider’s homepage for more stories.

Juice, sex, and Google.

Amy Nobile, the cupid of dating apps, has three rules for her clients, and that’s what they boil down to.

Nobile founded dating service Love, Amy in April 2019. What began as a side hustle after finding “the love of her life” on Bumble post-divorce and helping her friends navigate their way through dating apps is now a full-fledged business.

In January 2020, her rates will start at $1,750 a month for a three-month minimum. Nobile told Business Insider she’s had 45 clients across the country so far, juggling six to seven at a time. From wardrobe consultations to photoshoots for dating app profiles, people of all genders, sexual orientations, and generations come to her for dating app help.

But she gives them three steadfast rules they have to abide by before swiping.

1. The first date should be 30 minutes long.

“Never give away a whole night on your first date; time is too precious,” Nobile said.

Every first date should be a 30-minute coffee or juice date – a transactional meeting just to see if there’s enough chemistry for a real first date, which can then be longer, she said. She suggests coming with three genuine questions to take the pressure off and really listening to what your date has to say.

When it comes to what to wear, Nobile recommends keeping it casual but not to the point where you look unkempt. There’s no need to put on makeup or get a blowout, she said. For the first real date, you can have fun with it and get cleaned up, she added.

Think of the first date similarly to a job interview (without the formalities, of course). Many job interviews begin with a brief screener call to see if the basics line up between employer and employee – both get a better sense of who the other is, just like the 30-minute juice date. If it seems like a potential match, they move on to the first real interview, or, in this case, date.

Amy Nobile.

Amy Nobile.
Stevi Sesin

2. No sex until at least the third date.

On the first date, you’re meeting for juice or coffee. At this stage, the most you should be doing physically is maybe a peck on the cheek, Nobile said.

The next date is your real date. Here, “You can make out a little bit, but don’t go to the apartment, no way,” Nobile said. But when it comes to the third date, anything goes, she said: “All bets are off – go for it.”

Nobile said she stays in the loop with her clients the whole time.

“If you violate this rule, it’s going to end badly,” she said. “It’s too much, too soon. You don’t know enough about this person.”

Researchers vary on how long you should wait to have sex with a partner, spanning anywhere from a few dates to a few months. But several psychotherapists previously told Business Insider’s Lydia Ramsey that being on the same page emotionally is helpful for finding the best time to start having sex.

3. Google the person before your date.

Nobile’s last rule is to Google the person’s full name before going on a date with them. If their full name isn’t on their dating app profile, ask for it.

“Sometimes people disappear when you ask for their full name,” Nobile said. That’s a red flag – it could be a sign they’re hiding something, she added.

Turns out, most people are abiding by this rule already. A 2019 study by JDP, which offers employment screening and background checks, surveyed 2,000 adults and found that 38% admitted to always researching prospective dates before agreeing to their first date, while 23% said they usually do.

Most said they spent 15 to 30 minutes researching the person, and 63% of respondents said they go most or all the way back when looking at that person’s social media.

Women, according to the survey, were twice as likely to check everything they could and most interested in criminal background and work history. Men, on the other hand, were most interested in others’ interests and pictures/videos. And Googling before a date proves fruitful – 40% backed out of a date because of what they found.

But if they pass the Google test and you make it to the first date, just remember: When it comes to conversation, it’s “okay to dig in,” Nobile said.

12 times celebrities brought back fashion from the early 2000s

Gigi Hadid wears a 2000s-inspired outfit while walking around New York City.

Gigi Hadid wears a 2000s-inspired outfit while walking around New York City.
Jackson Lee/Getty Images

Fashion inspired by the ’90s is out, and styles from the early 2000s are in – at least, that’s according to celebrities.

Bella Hadid, Lizzo, and Rihanna are among the stars who can’t stop wearing trends that were popular in the early aughts. Tube tops seem to be some of their favorite garments, while tracksuits have also been making a comeback.

Here’s a look at how celebrities are turning early 2000s fashion into modern styles.

Zendaya put her own twist on the 2000s tracksuit trend in February 2018.

Zendaya attends a Michael Kors runway show on February 14, 2018.
Gotham/Getty Images

Thanks to brands like Juicy Couture, tracksuits became status-symbol outfits of the early 2000s. Zendaya brought the look back in 2018 when she attended New York Fashion Week wearing a red tracksuit with white stripes and a high neckline.

To put her own glamorous spin on the look, Zendaya also wore white pumps and a tan sleeveless jacket.

In August 2018, Travis Scott sported Von Dutch, a brand that was last popular in the early aughts.

Kendall Jenner and Travis Scott attend the MTV VMAs on August 20, 2018.
Jeff Kravitz/Getty Images

Von Dutch was a fashion brand that reportedly earned $33 million in sales at its peak in 2003, but basically disappeared by the 2010s.

That all changed when Kylie Jenner donned a Von Dutch trucker hat on Instagram in 2016, inspiring other celebrities to follow suit. Scott even wore one of the hats while attending the 2018 VMAs alongside Jenner.

Bella Hadid wore denim-on-denim while attending a True Religion event in October 2018.

Bella Hadid attends a True Religion event in October 2018.
Tibrina Hobson/Getty Images

Her outfit was comprised of a sleeveless denim top and matching capri pants.

To make her style even more reminiscent of the early 2000s, Hadid also donned animal-print shoes and carried a leopard-print handbag.

In June, Emily Ratajkowski wore two trends from the early aughts in one look.

Emily Ratajkowski walks around New York City on June 8, 2019.
Gotham/Getty Images

For a stroll around New York, she paired a black tube top with high-waisted jeans. She also wore yellow-tinted sunglasses, which were all the rage in the 2000s.

A$AP Rocky added a touch of tie-dye to his Paris Fashion Week look that same month.

A$AP Rocky attends Paris Fashion Week on June 22, 2019.
Christian Vierig/Getty Images

There’s no doubt that tie-dye is returning from the early aughts. Rocky proved this when he wore a tie-dye pullover on top of a collared shirt while attending Paris Fashion Week on June 22.

Ella Mai wore one of the brightest trends from the 2000s at the BET Awards in June.

Ella Mai attends the BET Awards in Los Angeles, California, on June 23.
Rodin Eckenroth/Stringer/Getty Images

Right before the 2010s began, neon was everywhere. Clothes have since become a bit more subtle, though stars like Mai are seemingly trying to change that.

The musician wore a neon-green pantsuit to the BET Awards on June 23. She completed the look with matching oversized sunglasses.

Lizzo and Missy Elliot both wore 2000s-inspired fashion to an MTV VMAs after-party.

Missy Elliot and Lizzo attend an MTV VMAs after-party on August 26.
Shareif Ziyadat/Getty Images

Elliot donned the logo-mania trend with her Louis Vuitton jacket, as well as animal-print shoes.

Lizzo, on the other hand, wore oversized sunglasses, a tube top-style dress, and dad sneakers covered in sparkles.

“The Bachelorette” alum Hannah Brown brought back the bare midriff trend in September.

Hannah Brown attends the Entertainment Weekly pre-Emmy party on September 20.
Leon Bennett/Stringer/Getty Images

In the 2000s, celebrities were constantly photographed wearing clothes that showcased their midriffs, the area between the chest and waist.

Sheer outfits have since become the go-to daring style, but bare midriffs might be making a comeback. Brown embraced the style as recently as September when she attended a pre-Emmy party wearing a two-piece leather set.

Headbands are officially back in style, according to stars like Lea Michele.

Lea Michele attends the Veuve Clicquot Polo Classic in Los Angeles on October 5.
Axelle/Bauer-Griffin/Getty Images

The actress wore a white headband with a floral green dress in October.

Headbands were first popular in the ’90s, but Blair Waldorf from “Gossip Girl” made them even more so in the early 2000s.

In October, Gigi Hadid stepped out wearing an outfit that looked like it came straight from the early 2000s.

Gigi Hadid attends an SNL after-party on October 6, 2019.
Jackson Lee/Getty Images

While attending an SNL after-party, Hadid wore a multicolored turtleneck, high-waisted jeans, pointed-toe boots, and a small purse.

Bella Hadid also wore a 2000s-inspired look that same month.

Bella Hadid walks around New York City on October 11.
Gotham/Getty Images

The model layered a cherry-print cardigan over a butterfly-print top. She completed the look with a pair of dad sneakers and oversized sunglasses.

While walking around New York in October, Rihanna wore a white ensemble that she seemingly plucked from the early aughts.

Rihanna walks around New York City on October 13.
James Devaney/Getty Images

She wore a strapless white dress with a matching handbag and high-heeled flip flops. To add some sparkle, Rihanna completed her look with layers of diamond necklaces and bracelets.

The Trump administration wants to make people get jobs in exchange for Medicaid — but GOP-led states are starting to resist

  • Indiana became the third GOP-led state to suspend efforts to impose a work mandate to Medicaid on Thursday.
  • The decision dealt another blow to the Trump administration’s attempt to overhaul a program that provides free health insurance to tens of millions of Americans.
  • The state’s Family and Social Services Administration cited a pending lawsuit when it halted the program, according to a press release.
  • Indiana was the last state to have an approved and implemented work requirement program for Medicaid, which went into effect in January.
  • The state ended up taking a more gradual approach to avoid spurring confusion and generating massive coverage losses as had happened in other states like Arkansas, the Washington Post reported.
  • Visit Business Insider’s homepage for more stories.

Indiana became the third GOP-led state to suspend efforts to impose a work mandate to Medicaid on Thursday, dealing another blow to the Trump administration’s attempt to overhaul a program that provides free health insurance to tens of millions of low-income Americans.

The state’s Family and Social Services Administration cited a pending lawsuit when it halted the program, according to a press release. The Indianapolis Star reported in September that the case was filed by four Indiana residents who argued work requirements would harm them and thousands of other Medicaid beneficiaries in the state.

Indiana was the last state to have an approved and implemented work requirement program for Medicaid, which went into effect in January. 1.4 million residents are enrolled in it.

In a statement, the Centers for Medicare and Medicaid Services, which manages the nation’s federal health insurance programs, told Business Insider they would keep working with Indiana to ensure “a successful implementation of their program” and defend initiatives “designed to lift people out of poverty.”

Vice President Mike Pence and CMS Administrator Seema Verma both played a role shaping the state’s expansion of Medicaid under the Affordable Care Act, the Washington Post reported. Pence was formerly Indiana’s governor while Verma was a consultant who managed the state’s healthcare system.

The state ended up taking a more gradual approach to avoid spurring confusion and generating massive coverage losses as had happened in other states like Arkansas, according to the Post.

Over 18,000 people were booted from the coverage rolls in Arkansas. Kentucky and New Hampshire also faced substantial criticism and the three states have their job mandate programs ensnared in court. New Hampshire, a Republican-led state, suspended its program before it was struck down in court alongside Kentucky.

Arizona – another state with a Republican governor – quietly halted its efforts to enact a work requirement program on October 21, even as it had received permission from the federal government to move forward.

The Trump administration has allowed states to adopt Medicaid work requirements for the first time, arguing it encourages beneficiaries to be self-reliant and will ultimately move them away from public aid.

And Verma has connected the overhaul as a pathway to improved health outcomes and better employment opportunities. But public health advocates say the job mandate only makes it harder for people to access health coverage.

Nine states have waivers pending before the federal government, according to the Kaiser Family Foundation. Five states have earned federal approval to enact job mandates and nine others have applied to do so.

A preliminary study from the Government Accountability office published earlier this month found that a handful of states enacting the work mandate had wasted over $400 million, triggering a wave of criticism from Democrats.