<div class="KonaFilter image-container float_right"><div class="image on-image"></div></div>If you ask Johnny FD, 2013 was the year that changed his life.Five years earlier, he'd <a href="http://www.businessinsider.com/johnny-fd-earning-over-10000-a-month-online-2015-8">left behind a soul-sucking 9-5</a> in California to move to Thailand and teach scuba diving. One thing led to another, and after a stint Muy Thai fighting for extra cash, he set up his own entrepreneurial venture. This year, between <a href="http://www.johnnyfd.com/">blogging</a>, writing books about living in Thailand and earning money, conducting online courses, investing, and running a drop-shipping business, the 35-year-old is on track to earn more than $250,000.The money is nice. However, he said, much of his success can be traced back to a goal he set in 2013 that has nothing to do with dollars and cents: get six-pack abs."I was down to my last couple hundred dollars and knew I'd probably have to go back home and get normal job," he told Business Insider. "I thought if I go home empty-handed, this whole trip would have been a failure. Yes, I would have had an amazing time, but I would be in my 30s, broke, out of shape, and have nothing to show for it. I thought to myself: If I can go home in the best shape of my life, then nothing else really matters. At least I met one goal."He realized, in trying to achieve his fitness goal, that he wanted access to the best trainers and coaches, and to "not worry about how much a side of avocado costs."Which meant he needed to start earning more money.So he repackaged his blog into "<a href="http://www.12weeksinthailand.com/">12 Weeks in Thailand: The Good Life on the Cheap</a>," which made $600 in its first month on sale. "After I wrote that book, I wanted to find out how to sell more," he previously <a href="http://www.businessinsider.com/johnny-fd-earning-over-10000-a-month-online-2015-8">told Business Insider</a>. "I started meeting all these people doing internet marketing that happened to be traveling or living in Chiang Mai. I had no idea there was this underground community of <a href="http://www.businessinsider.com/travel-the-world-for-cheap-2015-11">digital nomads</a>. It was kind of just emerging, and I would meet whoever I could and ask if I could take them to dinner or coffee and pick their brain."Life in Thailand was starting to look entirely different. "When you're in shape, eating healthy, and exercising, you have so much mental clarity and much more energy to get stuff done," he said. ?Now, he's begun pursuing monetary goals. And the abs? "Some people say I got a six pack - it depends on which photo you look at," FD said. "I definitely hit the goal of being in the best shape of my life." <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/link-your-reports-to-excel-word-powerpoint-2016-8">This Excel trick will make your reports so much better</a></h3> <div> <div> <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="t1Zm1ibjoLAb6BFu3ylxkeEFebHS6Zt1" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div> </div> </div> </div>

How aiming for 6-pack abs helped one entrepreneur start earning 6 figures on his own

Taking <keyword id="6354730" type="UNKNOWN" weightage="100" keywordseo="Home-loan">home loan</keyword> for the first time can be jittery as a number of questions cloud our minds. Doubts like whether it is the right time, if the property is suitable, which bank to seek loan from, etc, keep cropping up. 
 
Some people are almost cavalier when sealing a home loan deal and purchasing a property, and end up realising their mistake of not doing enough homework. 
 
So, one has to be very careful while taking the home plunge, because buying a house is much more than securing a home loan. When you decide on buying a home, make sure you know the long-term implications of your move and your capacity to make repayments. 
 
Here are 7 tips for beginners looking for a first time home buy 
 
-Evaluate your monthly cash flow and assess ways to save more 
Get your basic calculations rights. Make sure you list out your income and expenditure details regularly for at least four months to assess some basic factors like what extra expenditure you can cut, how much money you can save, and how large repayment instalments you can afford. This will not only make accounts clear in your mind but also make it easier to plan your expenses well. Your rented apartment may be bigger than what you need right now, consider moving into a smaller apartment to save on rent. Move in with your parents for a year or two, if possible. Only when you are convinced that you are saving enough and to the best of your potential should you move ahead with a house and loan search. 
 
-Select what you can really afford 
Now that you have a fair understanding of your buying capability, make an assessment of what you can afford. Do not take impetuous decisions while selecting property. Never select a house that will put more financial burden on you than you can carry in your present circumstances. Do not indulge in wishful thinking and assume promotions and appraisals down the years will help you tide in the payments. Apart from affordability, also take into account factors like safety, location, public transport accessibility, among other conveniences. Also factor in the cost potential of the property, whether it promises to surge in value with time. 
 
-Save for down payment and seek help if needed 
It is advisable to save as much you can to make a down payment for the purchase. The more you can pay without a bank loan help, the better it would be for you. Apart from saving some money, sell some assets if needed; or seek help from parents or other willing family members for making a substantial down payment. You won’t need to pay interest back to your family, just the principal some. The lesser loan you take from the bank, the shorter will be the payment course and the lesser the interest payment. 
 
-Check with multiple banks 
Do your homework well. Do not just plunge into a deal with the first bank you speak to. Make sure you go around and compare different deals, different banks are offering. Opt for the best deal available. Sometimes people hurry into a deal with a bank and realise later that another bank could have made a better and more profitable deal. 
 
-Go for loan consolidation 
When people decide to buy a home, they often have another running loan or liability. For example an auto loan which would now run parallel to the home loan. In such circumstances, consolidation of loans is a good option. Nobody likes to pay two EMIs simultaneously; a loan consolidation reduces the amount payable per month resulting in a single monthly payment instead of multiple payments. By consolidating two simultaneously running loans, one would not only reduce the instalments per month but also reduce the rate of interest as compared to what one would be paying on multiple repayments. 
 
-Have at least 3 months payments in your account 
When you activate a loan, you must not be living from paycheck to paycheck. Make sure you have some cushion money in your account to fall back upon. You should have at last three months of payment equivalent money in your account even after making the down payment. 
 
-Have contingency funds 
Some people buy a house without realising the liabilities it will bring. They end up forfeiting the buy, and this harms their credit score. Unforeseen events and exigencies can happen to anybody. One needs to be very careful and always have a Plan B. Make sure there is a contingency fund such as an FD that can be en-cashed on emergency or a PPF fund that can be relied upon in case an unfortunate incident like a pink slip happens. These emergency funds can come in the form of life insurance deposits, FDs, or mutual funds that you have invested in. 
 
(Author of this article is Brijesh Parnami, CEO, Destimoney Advisors) 
 
(Image: Thinkstock)

These 7 loan tips can help first time home buyers. Find out how

<div class="KonaFilter image-container float_right"><div class="image"></div></div>In 2008, Johnny FD <a href="http://www.businessinsider.com/johnny-fd-earning-over-10000-a-month-online-2015-8">left behind a soul-sucking 9-5</a> in California to move to Thailand.He quickly picked up scuba diving and spent the next few years going from zero dives to nearly 1,000, traveling the world teaching diving and searching for the perfect place.Until he decided that wasn't enough. "I realized I no longer wanted to be the dive guy working at the resort," he told Business Insider. "I wanted to be the guest. I told myself I didn't want to dive again until I could afford to be a guest."To get some cash and free gym time, he tried something new: Muay Thai, a fighting style practiced in Southeast Asia. "I was turning 30 and thought if I don't try it now, I never will," FD (the surname he uses professionally) remembers.But it wasn't a living. "I was down to my last couple hundred dollars and knew I'd probably have to go back home and get normal job," he said. "I thought if I go home empty-handed, this whole trip would have been a failure. Yes, I would have had an amazing time, but I would be in my 30s, broke, out of shape, and have nothing to show for it."So he repackaged his blog into "<a href="http://www.12weeksinthailand.com/">12 Weeks in Thailand: The Good Life on the Cheap</a>," which made $600 in its first month on sale."After I wrote that book, I wanted to find out how to sell more," he previously <a href="http://www.businessinsider.com/johnny-fd-earning-over-10000-a-month-online-2015-8">told Business Insider</a>. "I started meeting all these people doing internet marketing that happened to be traveling or living in Chiang Mai. I had no idea there was this underground community of <a href="http://www.businessinsider.com/travel-the-world-for-cheap-2015-11">digital nomads</a>. It was kind of just emerging, and I would meet whoever I could and ask if I could take them to dinner or coffee and pick their brain."<div class="KonaFilter image-container float_right"><div class="image"></div></div>This year, between <a href="http://www.johnnyfd.com/">blogging</a>, writing books about living in Thailand and earning money, conducting online courses, investing, and running a drop-shipping business, the 35-year-old is on track to earn $250,000.Now that he's worlds away from a dwindling bank account, he said, his perspective on wealth and success has changed. That's not to say he doesn't like it - just that it isn't about the dollars and cents."Success absolutely worth it, because it gives you options," he said. "To me, having the freedom of time and money is priceless. It's the best gift I've ever given myself - and I know it's 100% achievable for anyone willing to put the work in."When he originally set out to set up a business and pursue success, he had his mind set on freedom: being a guest at a resort instead of the dive instructor, traveling Europe with friends when they offered, and having access to every resource available to <a href="http://www.businessinsider.com/fitness-leads-to-success-2016-8">help him get in the best shape of his life</a>. However, one of the major benefits was something he didn't expect."The biggest success I've had is being able to retire my mom," he said. "She's 66 and was still working as waitress part-time to pay the bills. She started having foot problems, and when I spoke to her and she said she had to go to the doctor to get shots for the pain, I was finally a point in my life that I said 'Quit your job.' I never thought was a goal, but when it happened, I realized this was way more important than anything I can buy."While he's now able to stay in resorts, travel Europe, and "not worry about how much a side of avocado costs," he purposefully doesn't seek out luxury on a regular basis. "I think I realized that even though it's awesome to fly business class and stay in five-star hotels, once you get used to being too comfortable you don't really strive for more, and you don't enjoy it as much," he said. "So I purposefully put myself in uncomfortable situations. I travel light, I take buses, I take trains. I love having the option of luxury more than I do the necessity of it." <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/practicing-gratitude-diaries-marriage-relationships-janice-kaplan-2016-8">Saying these 2 words can save your tired relationship</a></h3> <div> <div> <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="BsNGNjNTE6aP-4QBHUqkksLYigYSY8vC" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div> </div> </div> </div>

A man who went from his last few hundred dollars to earning $250,000 a year explains how his view of wealth has changed along the way

<ul><li>Typically, a non-convertible debenture carries a fixed interest rate that has an inverse relationship to how credit worthy the borrower is. </li><li>NCDs are more liquid than corporate FD as they are traded in the secondary market on stock exchanges. </li><li>Each <keyword id="131571" type="General" weightage="20" keywordseo="ncd" source="Orion">NCD</keyword> undergoes assessment by multiple <keyword id="147335" type="General" weightage="20" keywordseo="credit-rating-agencies" source="Orion">credit rating agencies</keyword>, portraying the issuer's capacity to honour payment commitments. </li></ul>A non-convertible debenture, (NCD), is a type of debt instrument that lacks the option for buyers to convert it into shares or equities until its maturity. When investing in an NCD, buyers have the choice to purchase or sell the instrument and receive interest payments determined by the issuer's fixed interest rate. “But they are more liquid than corporate FD as NCDs are traded in the secondary market on stock exchanges,” says Abhishek Kumar, founder and chief<a href="https://business.outlookindia.com/invest/investment"> </a>investment advisor at SahajMoney, a financial planning firm. Interest rate: Typically, a non-convertible debenture carries a fixed interest rate that has an inverse relationship to how credit worthy the borrower is. An NCD from a highly rated issuer tends to offer a lower interest rate. Credit rating: Each NCD undergoes assessment by multiple credit rating agencies, portraying the issuer's capacity to honour payment commitments. Strong financials and a healthy cash flow of the issuing company result in higher ratings for the issued NCD. Should you invest? One should be very clear about the quality of the NCD, what is the cash flow of the company and what is the risk one is going to take. One should consider the credit rating of these NCDs before investing. However, that may not be foolproof. Do not invest in NCDs just for higher <keyword id="6374680" type="General" weightage="20" keywordseo="returns" source="Orion">returns</keyword> Investing in NCDs may not be a good idea, even if you are going with a AAA rating, say experts. Certain NCDs have left a bad taste in the mouth off late. One example is that of the default of the Dewan Housing Finance Corporation Ltd (DHFL) NCD which was AAA rated but was offering a higher interest rate than some AAA rated NCDs. Same was the case with Infrastructure Leasing &amp; Financial Services Limited (IL&amp;FS), whose NCS was also AAA rated. “Even HDFC has a AAA rating , why should someone have to pay you more than the other? So, there is a perceived risk in the NCD which is offering higher returns” says Srinivasan, director and founder, Shree Sidvin Investment Advisors. Numerous NCDs are now being offered at attractive yields as a result of the increase in <keyword id="6371181" type="General" weightage="20" keywordseo="interest-rates" source="Orion">interest rates</keyword>. “However, one should be well informed about the company in which they want to invest, and they shouldn't base their investment decision solely on the basis of the high yields,” says Raghvendra Nath, MD, Ladderup Wealth Management. So higher interest rates of 9% or so should not be a reason to invest in NCDs. “We do tell our clients that for a difference of 2-3% in interest rate you should not take a principal risk,” says Srinivasan. Thus, when investing in NCDs, it pays to be careful.

NCDs may offer a higher interest rate than fixed deposits but experts advise caution

<ul><li>India’s benchmark indices <keyword id="6484188" type="General" weightage="20" keywordseo="sensex" source="Orion">Sensex</keyword> and <keyword id="2931774" type="General" weightage="20" keywordseo="nifty50" source="Orion">Nifty50</keyword> opened on a positive note on Monday after ending the previous week in the red.</li><li>The 30-stock Sensex opened 68 points higher at 61,406, while the 50-stock Nifty50 opened 19 points higher at 18,288.</li><li><keyword id="42747" type="General" weightage="20" keywordseo="tata-motors" source="Orion">Tata Motors</keyword>, <keyword id="45660" type="General" weightage="20" keywordseo="yes-bank" source="Orion">Yes Bank</keyword>, <keyword id="44642" type="General" weightage="20" keywordseo="sun-pharma" source="Orion">Sun Pharma</keyword> are amongst <keyword id="73648" type="General" weightage="20" keywordseo="stocks-to-watch" source="Orion">stocks to watch</keyword> out for on Monday.</li></ul>India’s benchmark indices Sensex and Nifty50 opened on a positive note on Monday after ending the previous week in the red. Despite mixed global cues, <keyword id="90570" type="General" weightage="20" keywordseo="sgx-nifty" source="Orion">SGX Nifty</keyword>, an early indicator of how the markets may perform, was up 0.22%, or 41 points this morning. The 30-stock Sensex opened 68 points higher at 61,406, while the 50-stock Nifty50 opened 19 points higher at 18,288. Both the indices closed in the red for the second consecutive week on Friday – while Sensex closed 1.2% down in the previous week, Nifty50 closed 0.47% lower. "The synchronised rate hikes by the leading central banks of the world and their hawkish tone impacted market sentiments last week with <keyword id="6354813" type="General" weightage="20" keywordseo="nifty" source="Orion">Nifty</keyword> closing below the near-term support of 18400. While this risk-off can continue to impact the market, there are positive triggers too, like steadily declining inflation in the U.S. and the hope that the Fed will respond to this with a pause in rate hikes in early 2023. Therefore, market trends are likely to oscillate like the World Cup finals,” said V K Vijayakumar, chief investment strategist at Geojit Financial Services. Sensex and Nifty50’s movement in the past two weeks reflected those of the US markets, which also closed in the red for the second consecutive week. The S&amp;P 500, Dow Jones Industrial Average and Nasdaq declined between 0.85-1.11% on Friday as US Fed’s hawkish commentary spooked investors. Asian markets were also trading lower on Monday with China’s Shanghai SE Composite Index falling the most by 1.25% followed by Nikkei 225 down 1.11%, Taiwan SE Weighted Index down 0.38% and Hang Seng 0.29% lower. Foreign portfolio investors (FPI), however, continued to remain bullish on Indian equities, pumping in ₹10,555 crore in December so far. However, the flows have moderated from November when FPIs poured in ₹36,239 crore in Indian equities. <cmsannotation type="cmsannotation" annotationid="Forex reserves see a jump" comment="subhead" text="Forex reserves see a jump">Forex reserves see a jump</cmsannotation> India’s forex reserves rose for the fifth consecutive week. According to the Reserve Bank of India, India’s forex reserves increased by $2.91 billion to $564.07 billion. In the week ending December 2, however, forex reserves rose by $11.02 billion. Gold reserves, however, saw a minor decline of $296 million to $40.73 billion. <cmsannotation type="cmsannotation" annotationid="Current account deficit to moderate on falling imports and exports" comment="subhead" text="Current account deficit to moderate on falling imports and exports">Current account deficit to moderate on falling imports and exports</cmsannotation> Ratings agency ICRA has said in its latest report that the current account deficit for FY23 is likely to be between $108-112 billion, or about 3.3% of India’s gross domestic product (GDP). The Q3 FY23 deficit is likely to come in between $24-26 billion, down from a likely deficit of $31-34 billion in Q2 FY23, the ratings agency said. Current account deficit refers to the excess of imports of goods and services over exports. <cmsannotation type="cmsannotation" annotationid="Stocks to watch out for on Monday" comment="subhead" text="Stocks to watch out for on Monday">Stocks to watch out for on Monday</cmsannotation> Tata Motors: The automaker announced that Bengaluru Metropolitan Transport Corporation (BMTC) has signed an agreement with its subsidiary company for the operation of 921 low-floor electric buses in the city for 12 years. It will also replace Dr. Reddy’s Laboratories in the S&amp;P BSE Sensex index from today. Sun Pharmaceuticals: The drug major has received a warning letter from the US health regulator for its Halol unit summarizing violations at the plant. Besides, the facility was already placed under import alert by the regulator earlier. Yes Bank: The private lender has transferred ₹48,000 crore worth stressed loans to JC Flowers Asset Reconstruction company. This will aid improvement in the bank’s non-performing assets. Tech Mahindra: The company has divested 100% stake in Dynacommerce Holdings B.V., a wholly owned subsidiary of the firm to Comviva Netherlands B.V., a step down subsidiary of the company. <cmsannotation type="cmsannotation" annotationid="Stocks under F&amp;O ban" comment="subhead" text="Stocks under F&amp;O ban">Stocks under F&amp;O ban</cmsannotation> Balrampur Chini, BHEL, Delta Corp, Gujarat Narmada Valley Fertilizers &amp; Chemicals, IRCTC and Punjab National Bank are stocks banned in the F&amp;O list on Monday. SEE ALSO: <a href="https://www.businessinsider.in/thelife/personalities/news/i-am-glad-i-fd-up-so-much-in-life-that-it-is-content-now-says-ankur-warikoo/articleshow/96282722.cms">I am glad I F**%*D up so much in life that it is content now says Ankur Warikoo</a> <a href="https://www.businessinsider.in/india/news/ice-cubes-to-gulab-jamuns-and-50-lakh-kilos-of-organic-fruits-and-veggies-how-india-swiggyd-in-2022/articleshow/96275305.cms">Ice cubes to gulab jamuns and 50 lakh kilos of organic fruits and veggies – how India Swiggy’d in 2022</a> <a href="https://www.businessinsider.in/stock-market/news/ipos-pick-up-steam-in-last-three-months-of-2022-strong-pipeline-likely-to-propel-listings-in-2023/articleshow/96325621.cms">IPOs pick up steam in last three months of 2022 – Strong pipeline likely to propel listings in 2023</a>

Sensex, Nifty50 open on a positive note amid mixed global cues – Tata Motors, Yes Bank, Sun Pharma among stocks to watch out for

Best treadmill for home use

Interest rates on deposits need to go up, say experts, as share of FDs in household financial assets drops

<ul class="summary-list"><li>Jason Kurland, dubbed the "<keyword id="6378992" type="UNKNOWN" weightage="60" keywordseo="lottery">Lottery</keyword> Lawyer" <a href="https://www.justice.gov/usao-edny/pr/lottery-lawyer-and-three-co-conspirators-indicted-107-million-scheme-defraud-lottery">in a statement from the US Attorney's Office in the Eastern District of New York</a>, has been charged in a $107 million scheme where prosecutors say he swindled lottery winners. </li><li>Kurland was hired by multiple lottery winners, including winners of a $1.5 billion Mega Millions lottery, a $245 million Powerball Jackpot, and a $150 million jackpot, to help with investment advice.</li><li>Prosecutors say Kurland instead steered his clients toward businesses and entities owned by three other men indicted in the scheme and, in return, received kickbacks disguised as interest payments.</li><li>The <keyword id="6354840" type="UNKNOWN" weightage="60" keywordseo="money">money</keyword> was used by all four men to fund private jets, yachts, and luxury vacations, prosecutors said.</li></ul>The "Lottery Lawyer" has run out of luck.Jason Kurland, a <keyword id="6355838" type="LOCATION" weightage="60" keywordseo="new-york">New York</keyword> lawyer <a href="https://www.greenvilleonline.com/story/news/local/2019/03/04/who-is-lottery-lawyer-jason-kurland-representing-sc-mega-millions-lottery-winner/3061925002/">who nicknamed himself the "Lottery Lawyer,"</a> has been charged for his part in a $107 million scheme where he swindled money out of lottery winners and partnered up with extortionists, federal officials said on Tuesday.Prosecutors charged him with wire fraud, money laundering, and several others charges in a scheme to defraud his clients and use the funds to improve his own lifestyle, according to a <a href="https://www.justice.gov/usao-edny/pr/lottery-lawyer-and-three-co-conspirators-indicted-107-million-scheme-defraud-lottery">statement from the US Attorney's Office in the Eastern District of New York</a>. Three others — Christopher Chierchio, Francis Smookler, and Frangesco Russo — have also been charged.Victims of the scheme have not been named, but were identified by prosecutors as winners of a $1.5 billion Mega Millions lottery, a $245 million Powerball Jackpot, and a $150 million jackpot.Prosecutors said each victim paid Kurland's law firm hundreds of thousands of dollars for investment advisement, and he usually directed his clients toward entities and business deals controlled by Russo, Smookler, and Chierchio. In return, Kurland received kickbacks disguised as interest payments, prosecutors say, and used the funds to enrich his own life."Millions of dollars were stolen to support the defendants' lavish lifestyles – private jets, expensive vacations and luxury vehicles including two yachts," prosecutors said. "The funds that the defendants actually invested in various entities and deals were, in large part, eventually lost."Kurland didn't immediately respond to Insider's request for comment.<h2>Two of the people involved extorted a jewelry merchant in an 'Uncut Gems'-like scheme, prosecutors say</h2>In another part of the scheme, prosecutors say Russo and Smookler invested some of the lottery winners' money into a jewelry merchant named Gregory Altieri, whom they also extended a $250,000 street loan, which they expected to be repaid as $400,000.In trying to collect the loan, Russo threatened Altieri by saying they had guns, and compared himself to a mob-affiliated character in the 2019 film "Uncut Gems," which ends with a diamond merchant being killed.Prosecutors said in one call Russo told Altieri: "They're gonna pop your head off in front of your f------ kids. This guy has no clue what he's getting into." In another, Smookler said: "You watch my man, you f-----d me, now watch what I am gonna do to you, I'm coming brother. Full f-----g steam ahead." Prosecutors said Russo and Smoker threatened to kill Altieri's family, and in one call, Russo said people were "going to make you watch as they rip your son's teeth out of his mouth, watch, they're going to do worse things to your wife." The government is now working to recover stolen funds and has seized 13 bank accounts connected to the defendants' scheme.All four men have been charged with wire fraud, wire fraud conspiracy, money laundering, and money laundering conspiracy in the scheme. Kurland has also been charged with honest services fraud, while Russo and Smookler face additional charges of extortionate extension and collection of credit in connection to incidents involving Altieri."Lottery winners can't believe their luck when they win millions of dollars, and the men we arrested this morning allegedly used that euphoric feeling to their advantage," FBI Assistant Director-in-Charge William Sweeney said. "The FBI New York discovered how these victims were persuaded to put large chunks of their cash into investments that benefited the defendants. Rather than try their luck at the lottery, these men resorted to defrauding the victims to get rich, but their gamble didn't pay off."<ul class="read-more-links"><li>Read more:</li><li><a href="https://www.insider.com/arkansas-farmer-defaced-grave-nemesis-police-say-2020-08">An Arkansas farmer disguised himself as a woman to sneak into a cemetery and deface the grave of his longtime nemesis with animal carcasses, police say</a></li><li><a href="https://www.insider.com/ghislaine-maxwell-isolation-jail-for-protection-prosecutors-2020-8">Prosecutors say Ghislaine Maxwell is being kept in isolation in jail for her own safety</a></li><li><a href="https://www.insider.com/washington-man-accused-of-breaking-veterans-jaw-mask-dispute-2020-8">A man in Washington was arrested after being accused of breaking a 72-year-old veteran's jaw during a dispute over wearing face masks</a></li><li><a href="https://www.insider.com/college-grad-ncaa-di-basketball-fixing-scheme-prison-2020-8">A recent college grad is facing prison time for trying to fix a St. John's basketball game by bribing friends on the other team</a></li></ul>

A New York lawyer swindled lottery winners out of $107 million and partnered up with extortionists, prosecutors say

<div class="KonaFilter image-container display-table float_right"><div><div class="image on-image"></div></div></div>The top Deep Web drugs marketplace, Evolution, suddenly vanished overnight, <a href="http://www.wired.com/2015/03/evolution-disappeared-bitcoin-scam-dark-web/">Wired's Andy Greenberg reported, in what appears to be a scam</a>.Evolution was only accessible through anonymising web browsing software Tor. It functioned as a kind of eBay for drugs and illicit substances: After registering an account for free, users could browse thousands of user-submitted listings, buy products with digital currency Bitcoin, and leave ratings and reviews on vendors' pages.Evolution didn't just sell drugs: it also sold hacking tutorials, stolen goods, weapons and an array of other hard-to-find contraband.But now the marketplace and its accompanying forum has vanished altogether. Business Insider tested to see if the site was still there but we can confirm that the site is no longer online. <a href="http://www.wired.com/2015/03/evolution-disappeared-bitcoin-scam-dark-web/">Greenberg reported that the site, which holds vendors' Bitcoin funds in escrow, halted withdrawals over the weekend</a>, citing "technical difficulties." The site then disappeared on Tuesday night.The best-known of the Deep Web marketplaces is undoubtedly Silk Road - the libertarian-tinged drugs free-for-all that Ross Ulbricht was convicted of running earlier this year. Since then, there has been a concerted clampdown by global authorities on Deep Web drug vendors in recent years.In November 2014, a year to the day after Ulbricht was first arrested, a coalition of international law enforcement groups swooped in on hundreds of deep web sites in Operation Onymous. <a href="http://www.dailydot.com/crime/blake-benthall-silk-road-2-friends-coworkers-christian-bitcoin/">Silk Road successor Silk Road 2.0 was shut and alleged administrator Blake Benthall was arrested</a>, along with more than a dozens other around the world.Since then, Evolution grew to become one of the largest illicit marketplace on the Deep Web. Whereas the original Silk Road's administrator Dread Pirate Roberts (Ross Ulbricht, according to prosecutors) was outspokenly political, Evolution's administrator Vertu is far more reserved, <a href="http://www.wired.com/2014/09/dark-web-evolution/">avoiding all publicity and press requests</a>. Vertu is also far more mercenary in their approach to business, operating a "carding" forum that helps facilitate identity theft. They are joined on Evolution by a second administrator, Kimble.<div class="KonaFilter image-container display-table float_left"><div><div class="image on-image"><a href="http://www.reddit.com/r/DarkNetMarkets/comments/2zeuxo/complaintwarning_evolution_admins_exit_scamming/"></a></div></div></div>An Evolution "staff member" paid to help run the site posted on Reddit last night that they could see that "the admins are preparing to exit scam with all the funds," and that "not a single withdrawal has gone through in almost a week." After confronting Kimble and Vertu, the administrators "confirmed they are doing it right now," they write, later adding that "yes, this is real, no this isn't maintenance."It's difficult to estimate precisely how much Bitcoin Vertu and Kimble have made off with if this in an apparent scam - though it's certain to be in the millions of dollars range. The staff member posting on Reddit claimed they alone had lost $20,000-worth as a result. To give an idea of scale, there were more than 20,000 separate product listings on the site.Community members are furious. One warned that Kimble and Vertu have "got got 24 hours (and that is being generous) to make this right and re-open the market, and allow people access to their funds. Once that time passes - my crystal ball starts talking and unless you've changed identities and moved, you will be F----D." "I'M A VENDOR WITH EVERYTHING INVESTED IN THIS SITE, IN THIS 50+ BTC IN THE F--ING SITE...," wrote another. "I OWE MONEY AND CAN'T PAY IF THIS IS TRUE... MY LIFES IN DANGER... PLEASE DON'T BE TRUE PLEASE."<a href="https://krebsonsecurity.com/2015/03/dark-webs-evolution-market-vanishes/">Security researcher Brian Krebs wrote that the apparent scam could have a knock-on effect</a> beyond the Deep Web community. The price of Bitcoin could well drop as a result of the disappearance, as it has done when previous marketplaces have shut. As of press time Bitcoin was was worth $281 and dropping, <a href="http://www.coindesk.com/price/">according to CoinDesk stats</a>, down from $291 yesterday.Just last week, <a href="http://uk.businessinsider.com/german-police-bust-shiny-flakes-deep-web-drug-operation-2015-3">German police led what is reportedly the largest-ever Deep Web drugs bust</a>, swooping in on drug distribution ring "Shiny Flakes." More than $4-million worth of drugs were seized, which "Shiny Flakes" had intended to distribute through Evolution. <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/silk-road-founder-convicted-sentencing-conviction-court-2015-2">Here's the incredible story behind the guy who was just convicted for creating the 'eBay for drugs'</a></h3> <div> <div> <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="p2d2wxczptWT5pUwmAdleRGRLaPVA12Y" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div> </div> </div> </div>

The Deep Web's top drugs marketplace suddenly vanished overnight in an apparent scam

<div class="KonaFilter image-container float_right click-to-enlarge"><div class="image on-image"><a title_source="" title_caption="Two bosses you would not want to upset." class="zoomin" href="http://static2.businessinsider.com/image/4e0b54124bd7c8a313030000-960/steve-and-jeff.jpg"></a>Two bosses you would not want to upset.</div></div>When it comes to innovative tech billionaires, few have a bigger reputation for being tougher on their staff than Apple co-founder Steve Jobs and Amazon founder Jeff Bezos.
Below, we've rounded up 15 of the harshest quotes that the two have used in professional settings. 
We haven't labeled any of them, so you can go through and guess who said which. There's an answer key at the bottom, but give it your best shot before spoiling the answers.
When you're done, share this quiz with your friends so you can see who knows their hard-driving billionaires the best.
Good luck!
Quote #1: "I'm sorry, did I take my stupid pills today?"
Quote #2: "You guys don't know what you're doing. I'm going to get someone else to do the ads because this is f----d up."
Quote #3: "Do I need to go down and get the certificate that says I'm CEO of the company to get you to stop challenging me on this?"
Quote #4: "Can anyone tell me what [a major product] is supposed to do?" followed by, "Then why the f--- doesn't it do that?"
Quote #5: "I hate my room. It's a piece of s---, let's go."
Quote #6: "Are you trying to take credit for something you had nothing to do with?"
Quote #7: "If I hear that idea again, I'm gonna have to kill myself."
Quote #8: "We need to apply some human intelligence to this problem."
Quote #9: "How old were you when you lost your virginity?"
Quote #10: "I guess supply chain isn't doing anything interesting next year."
Quote #11: "You think I'm an arrogant asshole who thinks he's above the law, and I think you're a slime bucket who gets most of his facts wrong."
Quote #12: "This document was clearly written by the B team. Can someone get me the A team document? I don't want to waste my time with the B team document."
Quote #13: "Everything you've ever done in your life is shit, so why don't you come work for me?"
Quote #14: "Why are you wasting my life?"
Quote #15: "By the way, what have you done that's so great? Do you create anything, or just criticize others' work and belittle their motivations?"
<h2>Score key:</h2>
15 correct: Taskmaster Genius
11-14 correct: Instigator Expert
7-10 correct: Antagonist-in-Training
2-6 correct: Petty Beginner
0-1 correct: Too Nice To Know
<h2>Answer key:</h2>
Q1: Jeff Bezos Q2: Steve Jobs Q3: Jeff Bezos
Q4: Steve Jobs Q5: Steve Jobs Q6: Jeff Bezos
Q7: Jeff Bezos Q8: Jeff Bezos Q9: Steve Jobs
Q10: Jeff Bezos Q11: Steve Jobs Q12: Jeff Bezos
Q13: Steve Jobs Q14: Jeff Bezos Q15: Steve JobsDisclosure: Jeff Bezos is an investor in Business Insider through his
personal investment company Bezos Expeditions.

QUIZ: Who Had These Angry Outbursts: Steve Jobs Or Jeff Bezos?

<div class="KonaFilter image-container display-table float_right"><div><div class="image on-image"></div></div></div>Stocks rallied on Tuesday as the Federal Reserve kicked off its latest two-day FOMC meeting, with the Fed set to announce its latest monetary policy decision on Wednesday afternoon.
First, the scoreboard:
<ul>
<li>Dow: 17,134.70,+100.8, (+0.6%)</li>
<li>S&amp;P 500: 1,999.40, +15.3,(+0.8%)</li>
<li>Nasdaq: 4,554.38, +35.5,(+0.8%)</li>
</ul>
And now, the top stories on Tuesday:
1. On Tuesday morning, we got the <a href="http://www.businessinsider.com/producer-price-index-august-2014-9">August report on producer prices</a>, which showed prices were flat in August and up 0.1% excluding food and energy. This was in-line with expectations. On a year-over-year basis, prices were up 1.8% both including and excluding the cost of food and gas. Following the report, Ian Shepherdson at Pantheon Macro said, "In one line: No near-term inflation threat... The headline was held down by A 1.5% drop in energy prices, including a 4.5 drop in natural gas utilities and a 1.5% dip in gasoline... Retail and wholesale margins - called "trade services" in the report - were unchanged after three significant increases, but overall the trend in FD services is hovering around the 2% mark. These data do not pose a significant threat to tomorrow's core CPI, but we will be watching the margin numbers very closely over the next few months."
2. We're now just two days away from Thursday's Scottish vote on independence, and analysts at Goldman Sachs <a href="http://www.businessinsider.com/goldman-one-simple-fact-explains-why-scotland-will-probably-vote-no-2014-9">wrote in a note to clients</a> that they expect the vote to be a "No" for one simple reason: "...we continue to think that a 'Yes' vote is unlikely: we suspect that more Scots will vote for the 'safe' status quo in the official vote than have indicated in opinion polls - on the eve of Quebec's independence referendum in 1995, opinion polls suggested that the 'Yes' vote would win 53% to 47% but it ultimately lost 49% to 51%."
3. A report in <a href="http://www.businessinsider.com/us-officials-alarmed-by-scottish-independence-2014-9">The Financial Times on Tuesday</a>, citing a US senior official, said that a vote for Scottish Independence "is our nightmare - Scottish independence followed by a British exit from the EU." 
4. Back in 2011, rare earth elements were one of the hottest trades on Wall Street, and considered by many to a "can't lose" investment. Molycorp, one of the largest rare earth miners in the world, <a href="http://www.businessinsider.com/molycorp-decline-in-2014-2014-9">is down more than 97%</a> from its 2011 highs, and in 2014 alone, the stock has fallen more than 70%. A look at the price of rare earth elements, <a href="http://www.businessinsider.com/this-bubble-popped-three-years-ago-2014-9">as seen in this chart</a>, tells you everything you need to know about the bubble that quickly inflated and popped just a few years ago. 
5. Apple shares were down about 0.5% on Tuesday, but opened the day down more than 1.5% as rumors out of China suggested that the company's iPhone 6 won't be available in China until 2015. The rumor was based on a short report in the 21st Century Business Herald, <a href="http://www.businessinsider.com/rumor-iphone-6-wont-be-in-china-until-2015-2014-9">but as Business Insider's Jay Yarow noted</a>, even if the release of iPhone 6 is delayed in China, demand for the phone is still huge and the effect would likely still be seen, just in a later earnings period than might currently be expected. 
6. Tesla shares were up about 2.5% on Tuesday after falling 9% on Monday, and <a href="http://www.businessinsider.com/analyst-says-teslas-competition-is-the-entire-auto-industry-2014-9">Business Insider's Matthew DeBord reported</a> that analysts at Morningstar see Tesla's competition is the entire auto industry. In a note, Morningstar wrote, "we consider Tesla's competition to be the entire auto industry rather than just EVs. There are far too many automakers all over the world for us to claim that Tesla's market is effectively served by a small number of players."
7. Ultrasonic, a German-based shoe company, <a href="http://www.businessinsider.com/shoe-company-ceo-coo-go-missing-2014-9">said in a statement</a> that its CEO and COO have disappeared and are currently untraceable. The company's CFO, who last week said he was going to leave the company at the end of September, said the company's cash funds have been transferred are no longer "in the company's range of influence." Shares of Ultrasonic listed in Frankfurt, Germany, fell more than 75% on Tuesday.
8. The Federal Reserve kicked off its two-day monetary policy meeting on Tuesday, with the Fed set to announce its latest policy decision on Wednesday afternoon at 2:00 pm ET. Fed Chair Janet Yellen is then set to hold a press conference scheduled for 2:30 pm ET. Expectations are for the Fed to take another $10 billion off its QE program and keep interest rates at 0%-0.25%. <a href="http://www.businessinsider.com/september-fomc-meeting-preview-2014-9">You can read Business Insider's full preview here.</a>
Don't Miss: <a href="http://www.businessinsider.com/molycorp-decline-in-2014-2014-9">Rare Earth Elements Were Supposed To Be The 'Can't Lose' Investment Of The Decade - Look how That Turned Out » </a>

DOW GAINS 100: Here's What You Need To Know

<div class="KonaFilter image-container display-table"><div><div class="image"></div></div></div> 
Ebay will spin off PayPal into its own business starting next year.
PayPal, the online payments juggernaut, is seen as the real crown jewel of the Ebay business. And investors have been clamoring for a way to unlock PayPal's value.
Carl Icahn, in particular, has been a big advocate of spinning off PayPal.
The <a href="http://dealbook.nytimes.com/2014/09/30/ebay-to-spin-off-paypal-adopting-strategy-backed-by-icahn/?partner=yahoofinance">New York Times</a> explains why a spinoff was favored from Icahn's perspective:

PayPal was a central focus of a lengthy battle between eBay and Mr. Icahn, who demanded a spinoff of the unit as a way to generate value for shareholders. Such a move, the hedge fund billionaire contended, would highlight PayPal's own strengths while letting its management team and eBay's focus on their own core businesses.

And creating a separate board for PayPal could help remove what Mr. Icahn argued were conflicts of interest with the payment processor's parent.
In the announcement, eBay said that a recent strategic review of the company determined that both eBay and PayPal would be better off with a sharper focus, and that the benefits of being together in the past were likely to fade.
According to the press release, PayPal revenue grew 19% over the last year to $7.2 billion. The announcement also says that PayPal facilitates one in six dollars spent online. EBay revenue (excluding PayPal) is still a little bigger ($9.9 billion) but growth is much slower.
Here's the full press release....
------------------------------------------------------
<div id="sidebar_share" class="col-md-4 pull-right npadd">
<div id="widget" class="clearfix">
<div class="o_h5">
<h5>eBay Inc. to Separate eBay and PayPal into Independent Publicly Traded Companies in 2015</h5>
</div>
</div>
</div>
<div id="blog_content" class="col-md-8">
 
<ul>
<li>
Devin Wenig, president of eBay Marketplaces, to become CEO of new eBay company following separation
</li>
<li>
American Express executive Dan Schulman joins PayPal immediately as President and CEO designee for PayPal post-separation 
</li>
<li>
eBay Inc. President and CEO John Donahoe and CFO Bob Swan to oversee separation and serve on boards of new independent companies
</li>
<li>Maximizes strategic focus and flexibility for eBay and PayPal to capitalize on respective growth opportunities in highly competitive, rapidly changing global commerce and payments markets</li>
<li>Preserves eBay and PayPal relationships through arm's length operating agreements</li>
<li>Provides shareholders with more targeted investment opportunities; best path to sustainable shareholder value</li>
</ul>
 
Sept 30, 2014 -- eBay Inc. today said its Board of Directors, following a strategic review of the company's growth strategies and structure, has approved a plan to separate the company's eBay and PayPal businesses into independent publicly traded companies in 2015, subject to customary conditions.
Creating two standalone businesses best positions eBay and PayPal to capitalize on their respective growth opportunities in the rapidly changing global commerce and payments landscape, and is the best path for creating sustainable shareholder value, the company said.
 "eBay and PayPal are two great businesses with leading global positions in commerce and payments," said eBay Inc. President and CEO John Donahoe. "For more than a decade eBay and PayPal have mutually benefited from being part of one company, creating substantial shareholder value.
However, a thorough strategic review with our board shows that keeping eBay and PayPal together beyond 2015 clearly becomes less advantageous to each business strategically and competitively. The industry landscape is changing, and each business faces different competitive opportunities and challenges.
 "eBay and PayPal will be sharper and stronger, and more focused and competitive as leading, standalone companies in their respective markets," Donahoe continued. "As independent companies, eBay and PayPal will enjoy added flexibility to pursue new market and partnership opportunities. And we are confident following a thorough assessment of the relationships between eBay and PayPal that operating agreements can maintain synergies going forward. Our board and management team believe that putting eBay and PayPal on independent paths in 2015 is best for each business and will create additional value for our shareholders."
 As the company has previously stated, eBay's board of directors has a practice of regularly reviewing the company's growth strategies and structure, and assessing all alternatives.
As part of such assessments, the board regularly explores the following questions: Will separation make eBay and PayPal more competitive? Will separation be possible without distracting innovation and execution? And, will separation create sustainable value for shareholders over time?
 
In its recently completed review, the board concluded: 
<ul>
<li>A changing competitive landscape creates enormous opportunities for eBay and PayPal; separation will create sharper strategic focus and better position each business to capitalize on those growth opportunities as independent companies. The pace of industry change and innovation in commerce and payments requires maximum flexibility to stay competitive and drive global leadership.</li>
</ul>
 
<ul>
<li>The benefits of the existing relationships between eBay and PayPal will naturally decline over time and can be optimized in arm's length operating agreements between the two entities. Arm's length operating agreements can formalize the existing relationships between the two companies and capture ongoing synergies.</li>
</ul>
 
<ul>
<li>This is the best path for delivering sustainable shareholder value. eBay is a leading global commerce platform that has benefited from PayPal, and PayPal is a strong, rapidly growing global payments leader because it has been part of eBay. But beyond 2015, eBay and PayPal will each benefit more and create greater value from the strategic focus, speed, flexibility and agility that come with being independent publicly traded companies.</li>
</ul>
 
The future
The company expects to complete the transaction as a tax-free spin-off in the second half of 2015, subject to market, regulatory and certain other conditions.
 eBay Inc. President and CEO John Donahoe and company CFO Bob Swan will be responsible for leading the separation of each business, with board oversight. This includes determining appropriate management and capital structures for eBay and PayPal, and putting in place appropriate operating agreements. Neither Donahoe nor Swan will have an executive management role in the new eBay and PayPal companies.
But to provide continuity, they each expect to serve on one or both of the boards of the two companies.
 
The "new" eBay
Devin Wenig, currently president of eBay Marketplaces, will become CEO of the new eBay company. As CEO of eBay, Wenig will lead the eBay Marketplaces and eBay Enterprise businesses.
Revenue over the last twelve months1 for these two businesses grew approximately 10% year-over-year to $9.9 billion, with eBay Marketplaces accounting for about $8.7 billion. eBay Marketplaces and eBay Enterprise collectively handled approximately $85 billion of gross merchandise volume and gross merchandise sales, which grew 13 percent year over year. 
Scott Schenkel, currently the CFO of eBay Marketplaces will become the CFO of the new eBay company.
 A global commerce leader with 149 million active buyers, eBay is one of the world's top 30 global brands and a top 10 retail global brand.2 Offering consumers worldwide extraordinary value and selection, eBay has more than 700 million live listings at any given time, and approximately 75% of sold items are new.
eBay also is a leader in emerging competitive battlegrounds such as mobile and cross-border commerce. eBay has an installed mobile base of 200 million apps, generating $20 billion in mobile volume. Cross-border commerce represents 20% of eBay's gross merchandise volume and 61% of Marketplaces revenue is international.
 "eBay has been a leading innovator in the world of commerce for almost 20 years; it's an incredibly special business," Donahoe said. "Since joining eBay three years ago, Devin has proven to be an exceptional global leader and operating executive. He is steadily enhancing eBay's unique assets and capabilities and creating new commerce experiences to ensure long-term growth and commerce leadership. He will make a fantastic CEO of eBay."
 The "new" PayPal
Concurrent with the announcement of the business separation plan, the company also today announced the appointment of Dan Schulman to be President of PayPal, effective immediately, and CEO-designee of the standalone PayPal company following separation.
 Schulman joins PayPal from American Express, where he was president of the company's Enterprise Growth Group. A seasoned leader in multiple industries, Schulman has held senior executive and CEO roles at AT&amp;T, Priceline and Virgin Mobile, prior to joining American Express.
 "As both a leading global technology platform and a financial services business, PayPal requires a diverse blend of leadership skills and operating experience in its president and future CEO," Donahoe said. "Dan has a proven track record of leading complex technology businesses at scale, driving sustainable growth and understanding how to innovate to drive competitive advantage and deliver compelling experiences for customers. I am thrilled to have him lead PayPal forward as a publicly traded, independent global payments leader, and we welcome him to the team."
 PayPal is a rapidly growing global leader in digital payments and the most trusted digital wallet, with more than 152 million active registered accounts. Accounts grew 15% year-over-year last quarter. Revenue over the last 12 months grew by 19% over the prior year period to approximately $7.2 billion.
 PayPal facilitates one in every six dollars spent online today. Total payments volume over the last 12 months increased by 26% to $203 billion, providing merchants and consumers worldwide a faster, safer way to pay and be paid. PayPal is fully localized in 26 currencies, is available in 203 markets worldwide and has relationships with 15,000 financial institutions. Representative of its global reach, PayPal is the No. 1 payments processor for business to consumer exports for Chinese merchants.
 With acquisitions such as Braintree and its new One Touch mobile payments experience, PayPal continues to lead and innovate in mobile payments. One Touch is the industry's first and only single touch payments experience. PayPal processed $27 billion in mobile payments volume in 2013. PayPal expects to process 1 billion mobile transactions in 2014.
 A strong record of delivering shareholder value
Since 2008, eBay Inc.'s board and management team have led a successful turnaround of the company's core eBay Marketplace business; have dramatically grown PayPal and drove digital payments innovation; and through 37 acquisitions have built a strong portfolio of global commerce and payments technologies, assets and capabilities.
 The company's board and management team have a clear track record of making the right decisions for eBay and its shareholders.
 "Together, eBay and PayPal have delivered substantial value creation for our shareholders," Donahoe said. "We believe eBay and PayPal will continue to do so as separate, independent companies. Tremendous opportunities exist for each business."
 Goldman, Sachs &amp; Co. and Allen &amp; Company LLC are serving as financial advisors and Wachtell, Lipton, Rosen and Katz is serving as legal counsel to eBay Inc.
 
1 Last four public quarters 
2 Interbrand
 
Conference Call and Webcast
eBay Inc. will host a conference call to discuss the separation of eBay and PayPal at 8:00 am ET. A live webcast of the conference call, together with a slide presentation can be accessed through the company's Investor Relations website at <a href="http://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Finvestor.ebayinc.com&amp;esheet=50906097&amp;newsitemid=20140716006301&amp;lan=en-US&amp;anchor=http%3A%2F%2Finvestor.ebayinc.com&amp;index=1&amp;md5=ce779caa32cd389a2cfbfd0a4a64992f">http://investor.ebayinc.com</a>. In addition, an archive of the webcast will be accessible for 90 days through the same link.
eBay Inc. uses its Investor Relations website at <a href="http://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Finvestor.ebayinc.com&amp;esheet=50906097&amp;newsitemid=20140716006301&amp;lan=en-US&amp;anchor=http%3A%2F%2Finvestor.ebayinc.com&amp;index=2&amp;md5=1b4a606659452e8eb4c3dd0b3e74fba7">http://investor.ebayinc.com</a> as a means of disclosing material non-public information and for complying with its disclosure obligations under Regulation FD. Accordingly, investors should monitor, in addition to following press releases, SEC filings, public conference calls and webcasts.
</div>

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