Alberto Benitez

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Companies are cashing in on chat apps

What were once simple services for exchanging messages, pictures, videos, and GIFs have evolved into expansive ecosystems with their own developers, apps, and APIs.<p>BI Intelligence, Business Insider's premium research service, has compiled a slide deck that explains how brands, publishers, and …

Microsoft lays out its strategy for the chat wars with $5 billion Slack

When Microsoft entered the market for work chat apps, it created ripples across the industry: $5 billion startup Slack took out a full-page ad in the New York Times welcoming its new rival Microsoft Teams to the party.<p>On Monday, Microsoft offered an update on its progress after six months in the …

I retired at 52 with a $3 million net worth — here are my 10 best tips to build wealth

We all have money tips coming out our ears. Do this. Don't do that. Do this <i>or</i> that. And on and on… The advice seems endless. So much so that if you try to follow them all you'd end up with no time to actually live your life.<p>At the same time, all money tips are not created equal. While many are …

When you should pay off a mortgage early

<i>Here are three of the week's top pieces of financial advice, gathered from around the web:</i><p><b>Paying off a mortgage early</b><br>"Choosing when to pay off your …

The groundbreaking app turning millennials into stock traders is now said to be worth more than $1 billion

The new round of funding is reportedly led by Yuri Milner's investment arm, DST Global, and values the investing app at over $1 billion. That makes it a "unicorn" in Silicon Valley terms.<p>Robinhood declined to comment on the new funding round. Fortune previously reported that the startup was looking …

A former Google and Apple exec says most great employees are either 'rock stars' or 'superstars' — and you can't manage them the same way

But here's the thing. <i>Not everyone wants a promotion</i>.<p>Some people are perfectly content doing what they do best — whether that's writing, coding, or selling products — and giving them a new and different role wouldn't be especially helpful to either the person or the organization.<p>That's according to …

Snapchat, not Facebook, is in the best position to win the future of computing

As of late 2016, even Facebook CEO Mark Zuckerberg had to concede that "the camera is the composer" in response to Snap's ever-rising star, even as it builds Snapchat-like functionality into the news feed, Instagram, and its other products.<p>I think that Manjoo is exactly right. But from where I'm …

If you think Facebook's attempts to copy Snapchat are clumsy, you don't understand what's going on

Imagine two speeding cars racing each other down the road. One car is being driven by Mark Zuckerberg, the other by Evan Spiegel. Suddenly, Zuck throws out a box of tacks onto the road behind him, and they puncture the tires on Spiegel's car.<p>It's obvious what Zuckerberg is trying to do — slow down …

How Big Should Your Mortgage Payment Be?

Just because a lender is willing to approve you for a mortgage doesn't mean you'll be able to comfortably make the payments. You're better off …

An Oxford maths professor explains how an unsolved mystery of prime numbers makes the internet a safer place

Marcus du Sautoy, mathematician and author of The Great Unknown, explained how "the more we understand about primes, the more insecure our codes are on the internet."<p>He told Business Insider: "If there is a pattern [with prime numbers] it might have very big implications because internet …

Google and Levi’s connected smart jacket will come out this fall and cost around $350

A delayed product is better than no product<p>The connected denim smart jacket made in partnership between Levi’s and Google’s ATAP division now has a price tag, but its release date has been pushed from this spring to the fall. The jacket, which will cost around $350 when it goes on sale, is the …

The saga of the strange love-hate relationship between Bill Gates and Steve Jobs

Over the course of 30-plus years, the two went from cautious allies to bitter rivals to something almost approaching friends — sometimes, they were all three at the same time.<p>It seems unlikely that Apple would be where it is today without Microsoft, or Microsoft without Apple.<p>Here's the history of …

These are the trends creating new winners and losers in the card-processing ecosystem

<i>This is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence, click here.</i><p>Digital disruption is rocking the payments industry. But merchants, consumers, and the companies that help move money …

FinTech

Here's how much money you should be saving in every decade of your life

One of the cardinal rules of personal finance is to save early and save often. In fact, the simplest way to build wealth — and maintain financial security — is to take advantage of compound interest.<p>"The real key [to saving] is the percentage of your income that you pay yourself first," David Bach, …

A 29-year-old tech founder named to the Forbes '30 Under 30' list shares his best entrepreneurship advice

The recent inductee to Forbes' 30 under 30 finance list has two degrees in computer science, and he interned for the engineering departments at Apple and Google.<p>After his internships Marinelli landed a job on the finance engineering team at Palantir, the big data company founded by billionaire …

Peter Thiel

The next unicorn may not come from Silicon Valley

But try as they might, these "hubs" won't ever beat Northern California at its own game - the area will continue to dominate information technology because of its unique arbitrage of thought, culture and research.<p>But that's okay, because striving to replicate the success of the Bay Area limits us …

If Containers Are The New VMs, Hyper Aims To Be The New IaaS

Containers are leading us into the third wave of computing where the fundamental unit of computing is shifting from virtual machines to containers. With the core infrastructure including hypervisors, operating systems, and management software getting optimized for containers, the next generation of …

Virtualization

How to create your first mobile app?

Ideas for mobile apps have become extremely common among the average person. While ideas are plentiful, the ability to build and execute a launch is …

Enterprise IT trends for 2017: ‘Fog’ computing, Internet sensors, the second coming of silicon …

With Snap’s IPO reportedly imminent and the giant Consumer Electronics Show in Las Vegas now wrapped up, many in the tech world have been focused on innovations in consumer technology lately. But I think the coming year also will be marked by lesser-noticed tectonic shifts in enterprise-IT: Trends …

Amazon drives cloud innovation toward the enterprise

Amazon continues to drive forward with innovation at a blistering pace. At their annual re:Invent confab, Amazon announced dozens of products to an …

Cloud Computing

These tech startups are IPO candidates to watch in 2017

Already, startups like AppDynamics and Snapchat have filed to go public in the new year. And our sources tell us there are many more in the pipeline.<p>Here's a look at which tech startups are IPO candidates to watch in 2017.

Tech startups to make your life more slick, secure and stylish in 2017

Our tips for the companies set to make waves in the new year, from a disruptive banking startup to the budget smartphone taking on Samsung and Apple<p>This year was a mixed bag for startups. Powa Technologies, an e-commerce company that was one of Britain’s so-called unicorns (a startup valued at over …

Startups

How Amazon, Google, and Facebook Will Bring Down Telcos

Just about everything you see on TV is presented by one of a handful of media conglomerates. A similarly small number of telecommunication companies …

Business Tech Predictions: 10 Ways AI, Big Data, and Cloud Will Evolve in 2017

Artificial intelligence (AI), cloud infrastructure, and Big Data technologies are morphing, and merging into a unified and universal enterprise …

THE INSURTECH REPORT 2.0: The technologies disrupting the insurance industry and what incumbents can do to stay ahead

That's leading to ongoing changes in the distribution segment of the industry, but more excitingly, we are starting to see movement in the fundamentals of insurance — policy creation, underwriting, and claims management.<p>This report from Business Insider Intelligence, Business Insider's premium …

Emerging Technology

Google and Facebook are destined to wage a decade-long war for the future

Back in April, Facebook CEO Mark Zuckerberg unveiled his grand ten-year roadmap, showing the company's trajectory from now through 2026.<p>Here's that slide again, in case you missed it:<p>It points the way to Facebook's ideal future: A world where everybody's connected to the internet, where we talk to …

Apple refused to join Google and Facebook's new AI club

The consortium — announced on Wednesday and called Partnership on AI — also counts Amazon, Microsoft, and IBM among its founding members. But Apple's playing hard to get.<p>Eric Horvitz, technical fellow and managing director at Microsoft Research, said: "We've been in discussions with Apple and …

What do you call a tech unicorn that goes public?

Ravi Mhatre Contributor<p>Ravi Mhatre is a partner with Lightspeed Venture Partners.<p>More posts by this contributor:<p>Building jobs, not walls, in Silicon Valley<p>Are tech IPOs coming back?<p>That is an ever-present question in Silicon Valley during any lull in the flow of shining private companies that get …

McKinsey Predicts Enterprises Are Adopting Cloud Faster As IT Shifts From Build To Buy

• Enterprises’ adoption of IaaS as the primary environment for workloads will jump from 10% in 2015 to 51% in 2018.<br>• In 2015, 77% of enterprises used traditionally built IT infrastructure as the primary environment for at least one workload; by 2018, this will drop to 43%.<br>• Enterprises are likely to …

IaaS

What Differentiates a Good Investment Property From a Bad One?

What differentiates a good investment property from a bad one? Whether you have a vacation rental or a home for lease or an Airbnb rental, there are …