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BI Intelligence top 10 trends in digital media

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2019 will be a year of opportunities and challenges in the world of digital media.

The digital duopoly of Google and Facebook will face unprecedented regulatory scrutiny, as Amazon muscles its way into the digital ad space.

Meanwhile, pay-TV companies will continue to struggle as cord-cutting accelerates and TV consumption shifts to digital, and millennials and Gen Z will drive explosive growth in eSports.

Find out about these transformational trends and more in Business Insider Intelligence’s Top 10 Trends in Digital Media slide deck.

As a bonus, you will gain immediate access to our exclusive Business Insider Intelligence Daily newsletter.

To get your copy of this FREE slide deck, simply click here.



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Trump set to announce he’s withdrawing 4,000 troops from Afghanistan

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  • President Donald Trump is poised to announce he’s pulling roughly 4,000 US troops out of Afghanistan, possibly within the next week, NBC News reported.
  • This would be an initial step in Trump’s broader goal of pulling all US troops out of Afghanistan by the election next year in November 2020.
  • There are currently somewhere between 12,000 to 13,000 US troops in Afghanistan.
  • Trump in 2016 campaigned on pulling the US out of wars like Afghanistan, but has been unable to make good on that promise since entering the White House. 
  • Visit Business Insider’s home page for more stories. 

President Donald Trump is set to announce the withdrawal of roughly 4,000 US troops from Afghanistan as early as next week, NBC News reported on Saturday based on conversations with three current and former officials. 

This would come as the US is engaged in ongoing, troubled peace talks with the Taliban. The talks resumed in early December after Trump abruptly scrapped negotiations with the Taliban in September, only to be paused again this week after an attack near Bagram Airfield on Wednesday.

There are currently somewhere between 12,000 to 13,000 US troops in Afghanistan, and withdrawing 4,000 troops would bring total numbers down to somewhere between 8,000 and 9,000. But there’s not a clear timeline on when such a withdrawal might begin, nor specific details on how it would be conducted.

The White House and Pentagon did not immediately respond to a request for comment from Insider.  

Afghanistan

US military advisers from the 1st Security Force Assistance Brigade sit at an Afghan National Army base in Maidan Wardak province, Afghanistan, on August 6, 2018.
James Mackenzie/Reuters


Trump in 2016 campaigned on pulling the US out of wars like Afghanistan, but has been unable to make good on that promise since entering the White House. 

The president reportedly wants to withdraw all US troops by November 2020, and pulling 4,000 out in the near future would be a significant step in that direction. At the same time, the president could face criticism and pushback for withdrawing troops without a solid peace deal in place with the Taliban. The presence of US troops in Afghanistan is considered important leverage in these discussions.  

A landmark report from The Washington Post released earlier this month based on a trove of confidential government documents, revealed that the US officials have been lying to the public for years about the war in Afghanistan.

The report — dubbed “the Afghanistan Papers” — laid out how officials across the Bush, Obama, and Trump administrations have misled the US public about the state of the longest war in US history, claiming progress was being made when it wasn’t.

In short, top US officials consistently lied to Americans to hide the unwinnable nature of the conflict.

The US is estimated to have spent roughly $1 trillion on the war in Afghanistan, which began in October 2001 following the 9/11 terror attacks. Over the course of the 18 years of conflict, 2,351 American troops have died as well as 3,814 US contractors, according to the Post. Over 775,000 US troops have been deployed to Afghanistan since the initial invasion, in some cases more than once.  



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The New York Times editorial board calls for Trump’s impeachment

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The New York Times has joined a growing list of prominent newspapers and publications that are openly calling for the impeachment of President Donald Trump.

On Saturday, the paper’s editorial board — which is made up of a team of opinion journalists separate from reporters in the newsroom — published an opinion piece titled “Impeach.” 

The piece opened up citing the most recent events in the escalating impeachment proceedings: the two articles of impeachment the House Judiciary Committee voted to approve on Friday.

The editorial board wrote that the articles of impeachment told a “short, simple and damning story,” which involved Trump abusing the power of his office “by strong-arming Ukraine, a vulnerable ally, holding up hundreds of millions of dollars in military aid until it agreed to help him influence the 2020 election by digging up dirt on a political rival.”

“When caught in the act, he rejected the very idea that a president could be required by Congress to explain and justify his actions…He made it impossible for Congress to carry out fully its constitutionally mandated oversight role,” the piece went on to say as it described the article of impeachment charging Trump with obstruction of Congress. 

Though the Times’ board was somewhat critical of the rapid pace of the impeachment inquiry into Trump, it offered an even more forceful rebuke of the president’s “stonewalling” of Congress throughout the process — and his refusal to offer a formal defense. 

“By stonewalling as no previous president has, Donald Trump has left Congress with no choice but to press ahead to a Senate trial,” the paper’s editorial board said. 

The board also mentioned that there were arguably grounds for impeachment discussions within the early stages of Trump’s presidency.

“Mr. Trump has been committing arguably impeachable offenses since the moment he entered the Oval Office,” they wrote, going on to reference the president’s “acceptance of foreign money at his many businesses, his violations of campaign-finance law in paying hush money to a woman who claimed to have had a sexual affair with him, and his obstructions of justice in the Russia investigation.”

The Times’ editorial board said that for any number of reasons House Democrats decided not to move forward with impeachment in these instances, but finally did so with regard to the president’s Ukraine dealings because the whistleblower complaint that sparked the scandal “sounded an alarm that he was seeking to subvert the next election, depriving the voters of their right to check his behavior.”

The piece goes on to cut through various defenses of Trump’s behavior from Republicans, contending that they “fall flat in the face of the evidence.”

The last line of the piece makes it clear that the editorial board at The Times believes the decision to impeach and therefore defend both the “Constitution and the Republic” is in the hands of the House of Representatives. 



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An hour shopping for car insurance saved me $110, and it was worth it

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  • I spent an hour shopping for car insurance, and that 60 minutes saved me $110. 
  • Getting quotes from five different car insurance companies helped me to compare costs and find the best coverage, though I still paid more than I hoped to. 
  • My quotes ranged from $1,267 for six months to over $2,000. Because every car insurance company prices their policies differently, there can be big differences in what even one person will pay between companies. 
  • Read more personal finance coverage.

I write about car insurance often, so for me, shopping around is essential. I spent about an hour shopping around for the best rate, and I’m glad I did. 

My current insurer, Progressive, had raised my quote by about $300, up to $1,377 for six months, though there have been no changes with my driving record. I had a policy with coverage limits of $25,000 bodily injury per person, $50,000 in bodily injury per accident, and $10,000 in property damage (often written as $25/$50/$10) for my 2015 Chevrolet Volt in Seattle, Washington.

For my previous six-month policy, I paid $1,080, including a renters insurance policy. With my new car insurance, I’ll be paying $110 less.

My car insurance is high because I have accidents on my record

I know my my insurance is incredibly high. Though I have a pretty good credit history, I’m still relatively young. And, I’ve got some history: A year ago I was in a not-at-fault-accident with a driver who lost control on a snowy highway in Kentucky (yes, not-at-fault accidents can raise your insurance premium). And, about four years ago, I was in an at-fault accident in Georgia.  

According to insurance comparison site The Zebra, accident surcharge periods can last between three and five years. Since I’m in that period with the at-fault accident, I tend to shop around every six months. 

Additionally, my insurance prices have increased significantly since I moved from Ohio to Seattle, and I try to cut that cost by shopping around. So, I sat down with a cup of coffee one morning and got five quotes. This hour ended up saving me $110, though I still paid more than I hoped. But, even so, I can’t recommend this process enough to anyone getting car insurance. There’s a lot that goes into pricing car insurance premiums — don’t let one company’s formula cost you more than you need to pay.

Here’s what my shopping process looked like, and how I came to find the best deal for me. For all of these policies, I chose a $25/$50/$10 policy, or $25/$50/$15 when available, with a $500 deductible. I also opted for comprehensive and collision coverage. 

I started with a number in mind to beat: the $1,080 that I paid for my last 6-month policy 

I didn’t want to pay more than I paid last time. Since Progressive had raised its rates for me, I went to get a quote from State Farm. Consumer Reports data shows that State Farm is one of the more affordable car insurance companies in Washington, so I figured I’d give it a shot. 

State Farm quoted me $1,267 for six months. That was the new number to beat, though it was still more than I actually wanted to pay. This quote from State Farm for a comparable $25/$50/$10 policy was over $100 cheaper than Progressive’s, but that still seemed high. 

A few minutes filling out information with GEICO, and I was quoted $1,338 for six months of a comparable policy. That’s just a few dollars less than Progressive’s quote, and higher than State Farm’s. I kept shopping. 

I tried Seattle-based insurance company Safeco next. I got a quote online with Safeco, which became the new winner. However, Safeco doesn’t allow customers to buy policies online. So, I called to get the policy on Monday morning. But, their online quoting didn’t ask much about driving history, which meant that they ended up quoting me quite a bit more, bringing the total to over $1,800. Needless to say, that wasn’t the quote I went with. 

The company that’s cheapest on average was the most expensive for me

I tried getting a quote from Farmers, and it showed me just how important shopping around can be. What was supposed to be one of the cheapest car insurance companies in my state was actually the most expensive for me. Car insurance pricing is incredibly individual. While Farmers is typically the third-most affordable company in Washington, it was actually the most expensive for me. Farmers quoted me over $2,000 for six months of coverage with a similar $25/$50/$15 policy. 

Every car insurance company takes a different look at factors like driving history and credit scores. They all weigh these factors differently, and that influences the premiums. Just because it’s typically cheaper in Washington doesn’t mean that it always will be, and in this case, that was true. 

Lastly, I wanted to try a pay-by-mile insurance company, so I tried Metromile. I live in Seattle, and I walk most places, so I don’t drive every day. I thought that would be an interesting option to try, given that I don’t commute. But, Metromile’s quote was still $1,148 for a $50/$100/$25 policy based on 800 miles per month, about $118 cheaper than State Farm’s unlimited mile coverage. 

As I started learning more about how it worked, though, I wasn’t sure that the billing structure would be right for me — with this system, the more you drive, the more you pay. Since I don’t commute in my car and mainly use it to go out of the city, I never know how many miles I’ll actually put on it. I’m planning on taking a few weekend road trips in the spring, and I don’t want those miles to end up costing me more. I decided this probably wasn’t the right route for me, given that the cost difference wasn’t all that huge. 

Ultimately, I ended up going with State Farm

I’m glad I decided to shop around, because that hour I spent actually did help me save about $110. 

Car insurance policies are truly individual, and every one costs each person a different amount. Your driving history, financial information, and more can all really impact what each company will quote you. And, you likely won’t know until you’ve gotten a few quotes and compared them. 

You’d shop around for anything else you’d buy, and I’m a firm believer that car insurance should be no different.



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