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How A Former Big Bank Lawyer Taught His Old Bosses A $25 Billion Lesson

Tom Cox is a lawyer who used to represent major banks. Now he's working to help Maine residents facing foreclosure keep their homes, and recently uncovered a massive fraud by five major mortgage lenders that led to a $25 billion dollar settlement to assist people driven into debt by shady business practices. Guess which job he found more satisfying?

via Jules Lipoff / Twitter

Back in April 2021, then-17-year-old Weronika Jachimowiczv got a lot of attention for subverting people's expectations of who excels in high school. And that's exactly what she wanted.

Jachimowicz was named New York's Mattituck-Cutchogue Union Free School District's 2021 salutatorian. Her yearbook photo next to valedictorian Luke Altman is going viral because of her dramatic Goth makeup and attire.

It all started when assistant professor and writer Dr. Jules Lipoff tweeted out a photo of the valedictorian and salutatorian he saw in a newspaper and it went viral. How many salutatorians have you seen that wear pentagram hoop earrings, a choker, and black devil horns?

The juxtaposition of her next to the bowtie-wearing Altman, makes the photo even more amusing.


Jachimowicz wanted the world to know that just because a high school kid looks like an outsider, doesn't mean they aren't interested in academics or sports.

In fact, it's completely normal for kids who are interested in the Goth subculture to be good students.

"The scene has quiet middle-class values — education, highbrow culture, theatre, museums, romantic literature, poetry, philosophy, Gothic architecture," Dr. Dunja Bril, who studies Goth culture in England, told The Independent.

"Many Goths like classical music. It's a status symbol to have a good collection of classical pieces — mostly requiems and darker pieces," she added.

"Going to do a university degree is encouraged," Bril continued. "It doesn't encourage people to drop out of school. Whereas in the Punk scene you turn down the normal educational values, in Goth you gain status if you're perceived as being educated. You get people who are in it for the shock value, but they are usually the ones who grow out of it."


Since her photo went viral, Jachimowicz has received countless messages of thanks from young people who say she's inspired them to express themselves.

"In all honesty, that's all I wanted. I wanted to help anyone I could who is struggling with expressing themselves because I've been in the exact same position," Jachimowicz told Yahoo. "When people message me telling me how I have given them the confidence to be who they truly are, I almost cry from happiness."

Jachimowicz says that she was able to be herself because she was encouraged by others, so this is her chance to pay it forward.

"I was always trying to please others and be like what everyone else wanted me to be, or at least try to fit into what was 'normal.' However, I did slowly start to realize that it's OK to be different," she said.

"I've met people in my life who gave me the confidence to fully be myself," she added.

In addition to having an unweighted GPA of 97.27%, Jachimowicz was on the fencing, ping pong, and winter track teams. She was also a member of the National Honor Society, Students Against Drunk Driving, and the Unity Club.

She plans to major in biology/forensics in college.

Jachimowicz's accomplishments are another reason to never judge someone for how they look or their interests. Just because someone is wearing satanic earrings doesn't mean they aren't highly intelligent or athletic.

She believes the most important thing is to be yourself, regardless of what anyone else thinks.

"Even if others don't really like my style, it's what makes me happy and I've worked hard to finally come to that conclusion," she said.


This article originally appeared on 4.12.21

A map of the United States post land-ice melt.


Land ice: We got a lot of it.

Considering the two largest ice sheets on earth — the one on Antarctica and the one on Greenland — extend more than 6 million square miles combined ... yeah, we're talkin' a lot of ice.

But what if it was all just ... gone? Not like gone gone, but melted?


If all of earth's land ice melted, it would be nothing short of disastrous.

And that's putting it lightly.

This video by Business Insider Science (seen below) depicts exactly what our coastlines would look like if all the land ice melted. And spoiler alert: It isn't great.

Lots of European cities like, Brussels and Venice, would be basically underwater.

In Africa and the Middle East? Dakar, Accra, Jeddah — gone.

Millions of people in Asia, in cities like Mumbai, Beijing, and Tokyo, would be uprooted and have to move inland.

South America would say goodbye to cities like Rio de Janeiro and Buenos Aires.

And in the U.S., we'd watch places like Houston, San Francisco, and New York City — not to mention the entire state of Florida — slowly disappear into the sea.

All GIFs via Business Insider Science/YouTube.

Business Insider based these visuals off National Geographic's estimation that sea levels will rise 216 feet (!) if all of earth's land ice melted into our oceans.

There's even a tool where you can take a detailed look at how your community could be affected by rising seas, for better or worse.

Although ... looking at these maps, it's hard to imagine "for better" is a likely outcome for many of us.

Much of America's most populated regions would be severely affected by rising sea levels, as you'll notice exploring the map, created by Alex Tingle using data provided by NASA.

Take, for instance, the West Coast. (Goodbye, San Fran!)

Or the East Coast. (See ya, Philly!)

And the Gulf Coast. (RIP, Bourbon Street!)

I bring up the topic not just for funsies, of course, but because the maps above are real possibilities.

How? Climate change.

As we continue to burn fossil fuels for energy and emit carbon into our atmosphere, the planet gets warmer and warmer. And that, ladies and gentlemen, means melted ice.

A study published this past September by researchers in the U.S., U.K., and Germany found that if we don't change our ways, there's definitely enough fossil fuel resources available for us to completely melt the Antarctic ice sheet.

Basically, the self-inflicted disaster you see above is certainly within the realm of possibility.

"This would not happen overnight, but the mind-boggling point is that our actions today are changing the face of planet Earth as we know it and will continue to do so for tens of thousands of years to come," said lead author of the study Ricarda Winkelmann, of the Potsdam Institute for Climate Impact Research.

If we want to stop this from happening," she says, "we need to keep coal, gas, and oil in the ground."

The good news? Most of our coastlines are still intact! And they can stay that way, too — if we act now.

World leaders are finallystarting to treat climate change like the global crisis that it is — and you can help get the point across to them, too.

Check out Business Insider's video below:

This article originally appeared on 12.08.15

Nolan Reid / TikTok

There's an old joke slash meme that goes something like this:

"Guys literally only want one thing and it's disgusting."

Its used to imply, obviously, that men are shallow and crude creatures.

TikTok creator and simple-life advocate Nolan Reid, however, has a different idea of what men really want.



Nolan recently made a video about "Little things in life that make men happy."

The hilarious list includes:

  • A fridge full of beer.
  • Drinking said beer in the garage. With your dog. And a good buddy.
  • Finding a cool stick.
  • Kicking a rock.
  • Staring at water.
  • Dropping rocks into said water.

As a fellow man, I would say: Yeah. That pretty much covers it.

It really doesn't take much! Watch Nolan's full video to see the rest, and just appreciate how much joy and satisfaction he gets from these simple thing.

People loved Nolan's list – so much so that they began adding their own ideas of "simple things men love."

The video racked up hundreds of thousands of views across TikTok and Instagram.

One commenter wrote, "He just described my whole personality." Another added, "This guy gets it."

Others chimed in with their own additions to the list, like staring at a fire for hours. Or just peace and quiet.

But most of the nearly 200 comments were just people chiming in to say one thing:

"Hell yeah."

Finally, someone who understands us.

Nolan's ultra-relaxed vision of "masculinity" is honestly so refreshing.

Men on social media are usually bombarded with the Andrew Tates and Jordan Petersons of the world, influencers who constantly berate us to make more money, lose weight and add muscle, sleep with more women, take charge, relentlessly self-improve.

I like Nolan's much chiller idea of masculinity. It reminds me of being a kid, taking pleasure in the simple things, not racing to be anywhere, not trying to impress anyone or prove anything.

Nolan's entire account is a breath of fresh air, an antidote to hustle culture. His videos find joy in:

  • Breaking down cardboard boxes
  • Driving at sunset
  • Going fishing
  • Throwing a frisbee
  • Wearing t-shirts
A daily visit to his page is almost like a meditation. I highly recommend giving him a follow to add a little counterprogramming to your social media feed.

Nolan says in another recent video that he started making TikToks and Instagram reels just for fun, but discovered along the way that he was really passionate about the message.

"I never thought that my simple living and love for little things would resonate with so many of you."

He said he hopes to inspire people to "take a step back and enjoy the good simple things in life."

I suddenly have the urge to go chuck a rock into a river, so I would say: Mission Accomplished!

TikTok about '80s childhood is a total Gen X flashback.

As a Gen X parent, it's weird to try to describe my childhood to my kids. We're the generation that didn't grow up with the internet or cell phones, yet are raising kids who have never known a world without them. That difference alone is enough to make our 1980s childhoods feel like a completely different planet, but there are other differences too that often get overlooked.

How do you explain the transition from the brown and orange aesthetic of the '70s to the dusty rose and forest green carpeting of the '80s if you didn't experience it? When I tell my kids there were smoking sections in restaurants and airplanes and ashtrays everywhere, they look horrified (and rightfully so—what were we thinking?!). The fact that we went places with our friends with no quick way to get ahold of our parents? Unbelievable.



One day I described the process of listening to the radio, waiting for my favorite song to come on so I could record it on my tape recorder, and how mad I would get when the deejay talked through the intro of the song until the lyrics started. My Spotify-spoiled kids didn't even understand half of the words I said.

And '80s hair? With the feathered bangs and the terrible perms and the crunchy hair spray? What, why and how?

In some ways, that era was simpler. We weren't bombarded with information and opinions about every issue in the world 24/7 and had the freedom to just be kids. At the same time, I personally have no desire to go back. (My straight, fine hair was not made for the '80s.)

However, one dad is bringing full-on nostalgia to millions of Gen Xers with a viral TikTok he made about sharing his '80s childhood with his 8-year-old son. Justin H (who goes by @shadyraro on TikTok) included photos and descriptions of things all '80s kids will recognize and it's like hopping into a time machine.

Like, the unwound cassette tape struggle was genuinely real. Grab a pencil, start winding and pray. "The A-Team"? Totally. Streetlight curfew? Yep.

@shadyraro

The 80’s was the best decade #80s #80skid #oldschool #genx #parents #funny #family #foryou #fyp

The video has been viewed more than 10 million times this week, with commenters neck-deep in their feelings about their childhood flashbacks.

"I miss them days, technology has taken away so much," wrote one commenter.

"Miss the 80s era but unfortunately us kids were the remote control," wrote another. (So true. Changing the channel was exercise.)

"The 80's cannot be explained...it was an experience...a complete vibe all its own...and if you missed it I'm so sorry for you!" wrote another.

And if you feel like there were some things missing, no worries. There's a Part Two:

@shadyraro

The 80’s was the best decade Part 2 #80s #80skid #oldschool #genx #parents #funny #family #foryou #fyp

The ashtray in the back of the car seat! The phone booth! The Walkman! The overhead projector. So my childhood. I can practically taste the Tang and Twinkies.

Kids today will never know the ugly beauty of growing up in the '80s, but someday they'll have their own tales to tell their kids that they'll look on with fondness and nostalgia. "We used to spend hours building things with little digital blocks in Minecraft…"

There's never been anything like the '80s and there never will be again. Thanks for the trip down memory lane, Justin H.


This article originally appeared on 05.21.22

@drjasonisfresh/TikTok, Representative Image from Canva

Dr. Jason Singh explains the pro and cons of showering at night and in the morning.

Dr. Jason Singh, who has all kinds of medical insights on TikTok, recently weighed in on the topic he joked was “more debatable than pineapple on pizza.

That debate would be whether it’s better to shower in the morning, or at night.

You would think the “right answer” would be largely up to personal preference, much like which way to face while showering and whether or not to snack in the shower…two previous hot button issues online.

But according to Singh, there are definitive pros and cons to each option, which could settle the debate once and for all.


Singh says in the clip that overnight, “your body can accumulate germs such as bacteria and fungus” through “processes like sweating and shedding skin cells,” all of which help create odor. When you shower off this residue in the AM, it brings your “skin microbiome back to a more hygienic baseline.”

Makes a pretty compelling case for morning showers, doesn’t it? Just wait.

Singh went on to say that nighttime showering has “ ‘three things going for it.”

One, it helps release melatonin to help induce sleep. Plus, when your body adjusts from a warmer temperature to a cooler temperature, that also helps your body prepare for a good night’s rest.

The second benefit is that it washes away “the entire day’s grime.” Which, let’s be honest, can be very therapeutic sometimes. And lastly, showering at night is the ‘better way to help hydrate your skin,” making it a better option for those with sensitive or dry skin.

Singh’s bottom line: “Overall night-time showers have more benefits to it but morning showers have really one benefit and that’s better hygiene.”

@drjaysonisfresh

More debatable than pineapple on pizza

♬ original sound - Dr. Jason Singh

Singh encouraged viewers to weigh in with their own opinions, and they didn’t hold back.

“You will never convince me to go to bed dirty,’ person wrote. Another argued “The worst part about night time showers is long, wet hair. I hate going to bed with wet hair!”

There ended up being some pretty funny responses as well. One person joked that they opted for morning showers since it helps them “Get my head together. Generate a to-do list. Fight with pretend people.”

Another person noted that timing preferences can be dictated by their schedule, commenting, “might showers during the work week and morning showers on the weekends.”

Many argued that two showers a day was the actual best option. That way you don’t go to bed dirty, and you're fresh for the morning.

Obviously, showering at any time consistently is perfectly find, but Dr. Singh offered some valuable food for thought.

Of course, you could always follow in this viewer’s footsteps, whole wrote:

“I prefer to roll around in dust like a chinchilla.”


This article originally appeared on 3.5.24