Snapchat geofilters let you put artwork, names, logos, and other designs over messages in the app. 

The catch is that geofilters only work in certain locations and, in some cases, are only visible for a specific duration of time.

Geofilters are commonly used for saying that you're in a specific city or neighborhood. Recently people have started making their own geofilters for more creative use cases, like proms and birthday parties.

Want to make your own geofilter, but not sure to start? How's what you need to know:

SEE ALSO: Snapchat is working on filters that can scan objects in photos and serve ads

There are 2 kinds of geofilters: free "community" geofilters and more customizable "on-demand" geofilters you have to pay for.

Community geofilters can be submitted by anyone and are meant to showcase neighborhoods and cities. They can't feature any logos or trademarks and are usually visible in the app for a long period of time.

"Artists and designers are encouraged to create and submit a free Community Geofilter for their city, university, a local landmark, or another public location," Snapchat says on its website. "No brand logos allowed."

You have to follow Snapchat's design rules to have a geofilter approved.

Want to pick up some good habits?

The best approach is to start small.

In the Quora thread "What are some good 'mini habits' to practice each day?" readers shared the simple habits you should follow every day to become a happier, healthier, or more productive person.

The best part is, each one takes only a few minutes to complete.

Here are some of our favorites:

SEE ALSO: 16 things successful 20-somethings do in their spare time

DON'T MISS: 13 skills that are hard to learn but will pay off forever

1. Brush your teeth and floss

User Pankesh Bamotra says brushing and flossing your teeth not only prevents gingivitis and tooth decay, but it can also save your life.

The American Dental Association recommends you brush twice a day for two minutes and floss once a day. If you don't, you could be putting yourself at greater risk for developing dementia, diabetes, kidney disease, and cancer, among other things.

2. Smile at yourself in the mirror

Just after you brush your teeth, look at yourself in the mirror and smile, holding the smile for 10 seconds, suggests Nistha Tripathi.

Dr. Robert Zajonc, a famous psychologist, believed facial action leads to changes in mood, and in a 1989 study he found that participants who watched themselves smile in a mirror experienced a greater boost in mood than those who simply smiled.

3. Write down the day's most important task

Also known as "eating the frog," decide on the one task you must perform that day to be successful and do it first thing when you get to work, says Patrick Mathieson.

Over the past eight months, I've had fun being the obnoxious guy who tells everyone he meditates every day. 

Ever since I decided to try out the guided-meditation app Headspace last December after hearing about it on Tim Ferriss' podcast, I've been much more aware of my thoughts and emotions, and with a few exceptions (including a rough day at the airport) I've been much calmer and more collected in times of stress.

I've dealt with occasionally intense anxiety since I was 11 years old, so that's an accomplishment.

Headspace isn't a hippy-dippy placebo; it's a straightforward teacher that helps you learn the basics of breathing and visualization associated with secular meditation.

The company reports it has 8.5 million active users, and this includes Wall Streeters, Olympic athletes, and celebrity executives like Arianna Huffington and Richard Branson. Companies like Goldman Sachs and the Dana-Farber Cancer Institute have bought package subscriptions for employees. The app is free to download, but a subscription unlocks full access to all of its lessons.

After using it for so long, I've gotten to a point where it's become an essential part of my daily routine. Below, I'll break down what it's like to use.

SEE ALSO: I followed Barack Obama's morning routine for a week, and it taught me a valuable lesson about mental toughness

Headspace was founded by Rich Pierson, left, and Andy Puddicombe in 2012. Puddicombe was formally trained as a Tibetan Buddhist monk during a 10-year excursion in his 20s. Headspace's lessons are secularized versions of exercises Puddicombe studied.

Puddicombe is your Headspace teacher. He appears periodically in video tutorials to give you a bit of extra insight. I've become very familiar with his English-accented voice!

When you begin Headspace, you have access to the 30-day Foundation pack, which introduces you to the basics of guided meditation.

After going through the first 30 days, you can access the rest of the exercises through a subscription.

I signed up for the year subscription, which now goes for $96, though you may find some promo codes floating around for a discount.

It's certainly not cheap, but if you take it as $8 a month, it's worth it for a daily user.

This past year, the Zika virus has emerged as global problem.

The virus, which is primarily transmitted via mosquitoes, has been spreading around the Americas since May 2015. One of the reasons it's been so troubling is that it's a cause of a serious birth defect called microcephaly, in which the head of babies whose mothers have been infected with Zika during pregnancy are abnormally small. That's tied to a number of developmental problems.

As with many emerging diseases, the misinformation about Zika started circulating almost as quickly as the disease itself.

We're still learning more and more about the virus and how it affects people, but for now here are some of the biggest myths and misconceptions we've heard about Zika.

SEE ALSO: The Cayman Islands has been added to the list of places with Zika — here's a map of all the places it has spread so far

DON'T MISS: The new leading cause of death in some European countries is actually an encouraging sign

MYTH: GMOs are to blame for the recent Zika outbreak across the Americas.

Diseases like Zika, dengue, and yellow fever are spread by a mosquito called Aedes aegypti. To try and stop the spread of disease, scientists have started looking into how to quell mosquito populations.

One interesting idea to fend off the disease-carrying bugs comes from a company called Oxitec, which genetically modifies male mosquitoes to carry a lethal gene. Those bugs mate with female mosquitoes and pass on the gene, which kills little baby mosquitoes before they ever mature into adults. As the modified bugs breed more and more, the mosquito population shrinks overall.

But, because the mosquitoes were put into action in 2015, right around the time Zika started hitting the Americas, some folks jumped to the conclusion that the two events were linked. That's in spite of the fact that there has been no evidence of this whatsoever. Snopes pointed to a single comment on a sub-reddit appropriately called "conspiracy" as the origin of this pernicious rumor. (Zika itself was first identified in 1947.)

If anything, genetically modified mosquitoes will actually help us prevent Zika from spreading by reducing the number of mosquitoes flying around.

MYTH: Zika can spread by kissing.

While there have been cases of sexually transmitted Zika, both from male to female, male to male, and female to male, for the most part it is still spread by mosquitoes, who pick it up from the blood of one individual and transmit it to another. 

"It's a disease transmitted through sex, but certainly at this point we wouldn't carry it to say it's a sexually transmitted disease," Dr. Robert Segal told Business Insider during a Facebook Live session.

So far, public health officials believe the main ways it could be transmitted are through blood (either mosquito or possibly blood transfusion), semen or vaginal fluid, or while a mother is pregnant.

The virus has been detected in urine and saliva, but the CDC saysthere is "no evidence" it can be passed along via kissing. Mothers have also been encouraged to keep breastfeeding, as there haven't been any reported cases of breast milk transmitting Zika.

MYTH: Pesticides are responsible for Zika.

Another conspiracy theory about the most recent Zika outbreak hit the internet in February. It claimed that a pesticide being used to kill mosquitoes was linked to the cases of microcephaly, not the Zika virus itself. 

The chemical, Pyriproxyfen, messes with the hormones that help mosquito larvae hatch (an exchange that doesn't happen in human births). Plus, it doesn't absorb into our bodies that well.  "A person would have to drink well over 1,000 liters of water a day, every day, to achieve the threshold toxicity levels seen in animals," Ian Musgrave, a senior lecturer in the medical school at the University of Adelaide in Australia, said in February.

The CDC said in April that Zika is officially a cause of microcephaly.

Several decades ago, the term 'mindfulness' implied Eastern mysticism related to the spiritual journey of a person, rooted in Buddhist, Hindu, and ancient Chinese philosophies.

All these traditions posit that being well, happy, and peaceful comes from practicing mindful living.

Today, mindfulness is less about a spiritual journey and more about focus and concentration. It is the ability to provide undivided attention to the present.

The scientific community now concurs that by practicing daily mindfulness, we can take advantage of the neuroplasticity of our brains and thereby improve the state of our lives.

So it's no surprise that, according to a Forbes report, the "meditation and mindfulness industry raked in nearly $1 billion" last year.

Concentration is an immense power within our minds. Anyone who harnesses and develops the ability to fully concentrate on the present can avoid worrying, doubting, fearing, or sidetracking their focus on insecurities and endless questioning of each and every step of their journey. Keeping our concentration in the present without sidetracking to future tasks or goals is the key to reaching all our goals successfully.

SEE ALSO: 6 fixable flaws that are holding you back from success

1. Focused concentration controls our thoughts

The mind is a powerful network of information, data, and thousands of thoughts that are formed, sent out, or received each day. No matter your profession or level of education, you have this eternal source of creativity, imagination, and power to create your own life and world.

Positive thoughts build upon positive thoughts, which multiply as long as you cultivate a habit of focusing on the good — even if it seems there is little positive to focus on. This mindset speeds up the ability to see how you can improve your work to surpass your past efforts.

2. The past is just the past experiences we've had

It doesn’t matter if you've known failure in your past personal or professional dealings, since failures just teach you how and how not to do something. It is vital to focus on the lessons from mistakes, since these are the actual steps toward success.

Many, if not all, great men and women of science, innovation, and progress made multiple mistakes and persevered, knowing that all those mistakes were the building blocks of the success waiting for them.

As the character Muriel Donnelly (played by Maggie Smith) profoundly said in the movie, "The Second Best Exotic Marigold Hotel":

"There is no such thing as an ending, just a place where you leave the story. And it is your story now … You have no idea now what you will become, don't try and control it. Let go. That's when the fun starts. Because as I once heard someone say 'There's no present like the time.'"

3. Focus your thoughts to protect your energy

Ever been sitting in a room with a group of people, laughing and having a good time, when in walks someone and all of a sudden the entire mood of the room changes? Or you've been in a good mood, and then someone came around you and all of a sudden you feel down or even aggravated?

I'm a firm believer that everything and everyone holds and carries energy: their own personal energy and the energy of those they've been around. Conflicts happen, life happens, and those are the times that we need to concentrate hard to avoid absorbing or reacting to toxic people and situations around us.

Mindfulness, or focusing on the present, is what helps us learn to guard ourselves against bad energy.

It's that time of year again — the start of the school year, when wide-eyed college freshman in the US are decking out their dorm rooms and marking their small bit of new territory. Some are even going viral for their over-the-top interior-design choices.  

While dorms in the US can cost up to $14,000 a year to live in, it's a different story in Russia. In 2014, photographer and reporter Pascal Dumont documented a dozen dormitories at various schools for The Moscow Times.

There, he found students living with bedbugs and roaches, underneath leaky ceilings. Obshagas, the Russian word for dorms, are not any of these students' first choice for living accommodations. But due to what Dumont calls "astronomical" rent in Moscow, many are left without a choice.

(Captions by Sarah Jacobs and Pascal Dumont)

SEE ALSO: Controversial photos inside the homes of Russia's ultrarich show the country's problem with wealth inequality

Kudakwashe Ndlova, a 25-year-old student attending Lomonosov Moscow University of Fine Chemical Technology, shares this obshaga with one other student from Russia.

Ndlovu, who attends the university on a scholarship, pays $10 a month for his room. "It's cheap. That's for sure," he told Dumont.

Ndlovu worries that water leaks from the ceiling could potentially cause an electrical fire at any moment.

It's no secret that hedge fund performance is lagging.

Hedge funds on average are up about 1.9% through July this year and were down 0.6% last year, according to the data tracker eVestment.

Some big-name funds have even started to cut jobs as investors balk at paying high fees for lackluster performance.

That has led to much soul-searching. Why are hedge funds doing so poorly?

Here are some of the funds' most cited excuses for underperformance:

SEE ALSO: This is the biggest trend in the hedge fund world right now

SEE ALSO: $9 BILLION HEDGE FUND: There's one big problem with Netflix

SEE ALSO: BLACK SWAN FUND: 'There's going to be chaos'

Everyone looks the same.

Doug Haynes, the president of Point72 Asset Management, Steve Cohen's family office, said the industry's lack of diversity in thought was causing its problems.

Groupthink on trades is a big problem, and much of that is caused by people in the industry having come from the same schools, studying the same things, and being predominantly male, he said.

They're too big.

Some funds are getting too big and chasing the same strategies, according to a recent Barclays survey.

"The issue is likely not the growth in size of the overall HF industry, as there appears to be an ample supply of assets," the report said. "The issue may be, however, the growth in size of many individual HFs, which are pursuing similar strategies leading to crowding."

The report surveyed investors in hedge funds managing about $8 trillion in total.

There is a lot of mediocrity ...

Howard Marks, the cofounder of Oaktree Capital Management, had some scathing words for the hedge fund industry earlier this summer.

"In 2004, I said today there are 5,000 hedge funds, and I don't think they're run by 5,000 geniuses. Today we're probably up to 10,000.

"The performance of the greatest hedge funds run by geniuses, and their closing, created a big umbrella over this industry, which permitted the other 9,990 hedge fund managers to start hedge funds and command hedge fund fees."

In other words, the hedge fund industry was launched by a handful of genius investors (Marks could be referring to people like Jim Simons), and the rest of the industry has followed in their path despite not being as smart or as profitable as their forebears.

If clichés like "Follow your passion,""Give 110%," and "Be true to yourself" just aren't cutting it for you, then we've got some fresh takes on how to get a head start on your career.

From "Don't work too hard" to "Relax," here's some of the best — and often unconventional — advice for you from some really successful people:

SEE ALSO: A bestselling author calls this popular career advice 'poisonous'

DON'T MISS: 16 things successful 20-somethings do in their spare time

Richard Branson: Never look back in regret — move on to the next thing

Richard Branson's mother taught him that.

"The amount of time people waste dwelling on failures, rather than putting that energy into another project, always amazes me," the Virgin Group founder and chairman told The Good Entrepreneur. "I have fun running ALL the Virgin businesses — so a setback is never a bad experience, just a learning curve."

Sheryl Sandberg: There is no straight path to where you are going

"As Pattie Sellers of Fortune Magazine says, careers are not ladders but jungle gyms,"the Facebook COO wrote on Quora. "You don't have to have it all figured out."

Sheryl Sandberg recommends having a long-term, abstract dream to work toward in addition to a more concrete 18-month plan. The long-term plan allows you to dream big while the short-term plan forces you to push yourself and think about how you want to get better over the next year and a half.

"Ask yourself how you can improve and what you're afraid to do," she said, adding "that's usually the thing you should try."

Warren Buffett: Exercise humility and restraint

In a 2010 interview with Yahoo, Berkshire Hathaway chairman and CEO Warren Buffett said that the best advice he ever received was from Berkshire Hathaway board of directors member Thomas Murphy. He told Buffett:

Everyone has a financial regret or two—whether it’s a small one like splurging on that trendy jacket you wore all of three times, or a big one like defaulting on a loan that nearly obliterated your credit score.

If you’re a glass-half-full kind of person, you might recognize the upside of making that money mistake: It ultimately forced a change in behavior and nudged you onto a better financial path; this idea holds especially true where managing debt is concerned. (Clawing your way out of the red is bound to teach you a lesson or two, right?)

But what few people ever talk about in detail is how the lightbulb went off—that instance in time that helped them realize the debt they were carrying could no longer be ignored. Interested to hear tales of these “aha!” moments, we scoured the country and found five people willing to share the moment of financial clarity that kickstarted their debt payoff plan. Here’s what inspired their journeys to get back into the black.

SEE ALSO: 9 habits that will help you build wealth on a small salary

My aha! moment: realizing my ‘little’ splurges cost more than my car

Kathryn Jones, 34, head of product development for a startup, Boston

When I graduated seven years ago with a master’s degree in occupational therapy, I had no idea how I was going to pay off my $70,000 student loan bill. The kicker? I also had over $10,000 in credit card debt, a new house, a car payment and no savings or 401(k) to speak of. By 2011, I was feeling completely overwhelmed by debt and had no idea how I would ever pay it off.

Meanwhile, my new husband, Evan, was in a better financial state. The fact that we were now going to be sharing bank accounts and money decisions motivated me to finally get my debt situation in check.

I picked up a personal finance audiobook some coworkers recommended and started following the advice. The first order of business was to track my spending. Talk about an ‘aha!’ moment. After going through six months of debit and credit card statements, I realized that the amount of money I spent each month on “extras” like candles, dish towels, daily coffees and beauty products was more than my $300 car payment. The amount I spent on buying gifts for people was double that. Meanwhile, what I was putting toward savings and paying off debt was only a fraction of my spending.

I all but eliminated unnecessary shopping trips and began sending people cards instead of buying them gifts. After sticking to that for one year, I was able to use the money I saved by not shopping to pay off my credit card balance. The best part? It only took me three more years to knock out my college debt. Curbing my overspending wasn’t always easy, but the desire for a debt-free future kept me motivated.

RELATED: 3 Things You Should Do Before Paying Off Your Student Loans

My aha! moment: when my poor credit score cost me a dream home

Marc Renson, 46, restaurant owner and chef, Schenectady, New York

I was very fortunate growing up in the sense that I never had to worry about money. My parents always provided for me but never really taught me how to stand on my own two feet financially. At 18, I started working in the restaurant industry but depended on credit cards to keep up with the affluent lifestyle I was so used to.

I eventually settled down with a wonderful partner named Greg, and because he had great credit we were able to buy a home together in 2001. However, I was quietly getting deeper and deeper into credit card debt, charging everything from concert tickets to vacations. I even put the $4,000 deposit on a new BMW on a credit card. Living this way finally caught up with me in 2011, when we had our sights set on a gorgeous house in Key Largo.

We were daydreaming about a second home on the beach when we were abruptly declined for a mortgage. My 561 credit score came back to haunt me big time. To add insult to injury, the same scenario played itself out again three years later, at which point I’d racked up close to $70,000 in debt—plus another $28,000 I owed in back taxes. I obviously hadn’t learned my lesson the first time around, and it became painfully clear that I needed help managing my money.

RELATED: 8 Questions You Should Ask Yourself Before Buying a Second Home

As fate would have it, my path crossed with one of my restaurant customers, who happened to be a financial planner. I took him up on his offer to work with me, which dramatically changed my life. He helped me organize my bills, set up payment plans and track my spending—with just the right dose of tough love.

Today, I’m current on all my bills, have a 644 credit score and have about $8,000 left to pay off on that BMW. The best part? We were just pre-approved for our dream home in Key Largo.

My aha! moment: getting married—and realizing we now had five figures in debt

Erika Torres, 32, public affairs specialist, Irvine, California

When Eric and I got engaged after a few months of dating, we broke a cardinal rule: We never had the money talk before walking down the aisle. We were definitely in for a shock when after our 2010 wedding we tallied up our debt and realized that we owed over $45,000 between the two of us. Student loans made up a little over half, with car loans and credit card debt accounting for the rest.

Being saddled with this much debt wasn’t exactly how we had envisioned beginning our new life together. Seeing the numbers in black and white lit a fire under us to eliminate every last cent. After moving into a much smaller space for 17 months (which cut our rent and utilities by 25%), I began picking up as much on-the-side work as I could to bring in more income than what our salaries were providing. This included everything from freelancing and babysitting to doing online surveys and mystery shopping. But the bulk of my side-hustle money came from advertising income on a blog I was running at the time.

Between 2011 and 2013, my side gigs brought in over $32,000 in additional income. This really accelerated our debt payoff plan and also paid for a Costa Rican honeymoon.

Once we became debt-free in 2014, our extra income allowed us to save enough to put a 10% down payment on our very first house. Choosing to rev up our debt payoff plan was easily one of the best decisions we ever made.

RELATED: 7 Secrets to Launching a Lucrative Side Gig

Buying your first home can be hard.

You have to take out a loan, find a quiet neighborhood, and get a home near good schools and shopping. The list goes on for what seems like forever.

But no matter how long your list is, living space is probably close to the top.

After all, 43% of Americans told Trulia.com they would like a larger home. So if that's true for you, where should you move to in order to get the best value for your money?

Things apparently are bigger in Texas, so start there. But if the Lone Star state isn't for you, then try one of the other 18 metro areas with the biggest starter homes in America.

Read on to find out which areas made the list.

No. 19 Riverside, CA

Median Starter Home: 1237 sq ft

Median Premium Home: 2372 sq ft

Average home: 1744 sq ft

Data provided by Trulia

No. 18 San Jose, CA

Median Starter Home: 1238 sq ft

Median Premium Home: 2088 sq ft

Average home: 1638 sq ft

Data provided by Trulia

No. 17 Oxnard, CA

Median Starter Home: 1238 sq ft

Median Premium Home: 2535 sq ft

Average home: 1827 sq ft

Data provided by Trulia

Is your job doing a job on you?

Getting stuck in a position that's all wrong for you can take a massive toll on your entire life. 

If you're not a good fit for your current gig, it's important to ascertain if you should quit (and figure out how to go about doing it). 

In the meantime, here are some signs that your current job is all wrong for you: 

SEE ALSO: 16 signs it's time to quit your job

You have to try really hard to get by

I'm not knocking hard work. It's important to strive and hustle and master new skills. However, if nothing in your job comes easy, you might be in the wrong line of work.

Writing for "Forbes," career expert Louis Efron recalled his experience as a human resources professional: "The successful employees were playing to their strengths, doing what came naturally to them. For the less successful employees it required much more effort and energy."

You loathe Sundays

As the Bangles noted in "Manic Monday," Sunday should be a fun day (and maybe even a productive day, if you're feeling fancy)!

Sure, it's fine to be a little sad that the weekend's over. However, if you spend Sundays dreading work, that's a pretty clear sign that something wrong.

Your job is making you sad

Everyone has bad days at work — even people who thoroughly enjoy their jobs! It's unhealthy and unrealistic to want to be happy all the time (go for contentment, instead).

Still, if you feel like your job is adversely affecting your mood in general, maybe it's time to switch things up.

On August 1, 2016, Brandon officially retired.

The 34-year-old software developer and blogger behind the Mad Fientist— who doesn't use his last name online for privacy reasons — had been planning and saving to retire early for years. 

"For the first five to seven years of my career, I wasn't saving for anything in particular," Brandon told Business Insider. "I was just saving because I wanted a portfolio. Then I learned about financial independence, and I was like, 'This is perfect. This is what I'm saving for.'"

Brandon, who is married but keeps his finances largely separate from his wife Jill, an optometrist who isn't interested in retiring, was talking about the concept of financial independence (FI) as pursued and documented by an online community of bloggers and readers seeking to save enough that they can stop working and "retire."

Living frugally and working in rural Vermont, he managed to save and invest about 70% of his after-tax income, and saved enough to leave his job in the spring of 2014. However, when he approached his employer with the news he'd be moving to Scotland to be closer to his wife's family, they offered to make his position remote.

That change eliminated all of the things that most frustrated Brandon about working life, like commuting, dealing with difficult coworkers, and navigating endless meetings. So he stayed on for a few years more than planned, intermittently traveling with Jill until they relocated full-time to Scotland in May 2015. There, he continued working, blogging, and saving until he retired this summer.

"It's always been about 'financial independence' for me and not really 'early retirement,'" he told Business Insider. "I never wanted to stop working, but rather I wanted to have the time and freedom to work on things that are important to me. It's a very powerful position to be in, to be able to do things without worrying about the monetary reward, so I imagine I'll be more productive and make a far greater impact on the world now that I don't have to trade my time for money and don't have money driving my decision-making."

On Mad Fientist, Brandon offers a free, downloadable Excel spreadsheet to help others calculate when they can afford to retire. It's not the exact one he currently uses — since he built this version in 2014, he's made some tweaks to his own — but lays out the most important factors, accounts, and balances he's been tracking for years. Bear in mind that the numbers in the sheet are not his actual numbers, which he does not share. These numbers are being used for example purposes only.

The blue cells are the ones for individuals to edit (on the interactive version from the website— below are screenshots that don't accept data) to input their own numbers.

Below, he walked Business Insider through the spreadsheet:

SEE ALSO: I built a spreadsheet to calculate what it would take to retire early, and it was a shock

Tab 1: Balances

Balances is the finances-at-a-glance tab.

Brandon uses the website Personal Capital to track his spending and saving, and inputs those numbers into his own spreadsheet. 

At the bottom, he's broken out sums into liquid and illiquid totals, delineating how much of the above balances are easily accessible. "Liquid and illiquid is for early retirees because if they have $200,000 tied up in their house, that won't be counted as income in the future and could affect their withdrawal strategies."

Subsequent tabs draw on the information from the balances tab to make further calculations. 

Tab 2: Investments

The chief purpose of the investment tab is "just to make sure my allocations aren't getting too far out of whack," Brandon said.

He includes cash balances at the top to make sure his portfolio isn't too cash-heavy, a challenge he said he struggles with to this day. "I tend to sit on cash," he said. You'll notice that the balance in the checking account cells (B4 and C4) aren't the same as the ones noted on the balances tab — that's because the credit card balances have been subtracted.

His personal spreadsheet has evolved to include a column of percentages, so he can see which type of investment (real estate or total market, for instance) makes up how much of his total portfolio immediately.

Brandon breaks out the accounts by tax treatment to see which money is easily accessible and which incurs fees or penalties to withdraw. For instance, a saver can withdraw contributions to a Roth IRA at any time without paying penalties or fees, because the taxes have already been paid when the contributions were made. Earnings, on the other hand, incur taxes if withdrawn before age 50 1/2.

For the same reason, he distinguishes between before-and-after-retirement accounts. "It's sort of high level," Brandon said of this tab. "A lot of my net worth is actually only accessible after retirement age."

Tab 3: Net worth

The net worth tab, which Brandon said is simple enough that it could probably be merged into another, is meant to provide a "high level snapshot of your liabilities," in his words. The net worth number is calculated by subtracting liabilities (B18 and C18) from assets (B13 and C13).

While Syria is embroiled in a violent civil war, millions of civilians have been displaced, injured, and killed in the crossfire. 

But perhaps the most staggering costs of the war have been borne by Syria's children. 

8.4 million Syrian children, or approximately 80% of all Syrian children, have been affected by the war.

Children, like 5-year-old Omran Daqneesh, have become the face of the nation's struggle. But Daqneesh is far from the only Syrian child affected.

SEE ALSO: State Department: $400 million cash payment to Iran was contingent on US prisoner release

The plight of Syrian children resurfaced on Thursday when photos emerged of Omran Daqneesh, a 5-year-old Syrian boy who was bloodied and injured after being pulled out of rubble when his neighborhood was hit by an airstrike in Aleppo, Syria, on August 17.

During the war, 8.4 million children, or more than 80% of Syria's child population, have been affected, either within Syrian borders or as refugees.

Source: UNICEF

As of 2016, of the 13.5 million Syrians in need of humanitarian support, 6 million are children. Their access to vital services, like food, healthcare, counseling, and education has been decimated as a result of the war.

Source: UNOCHA

Dogs have long been man's best friend, living as our domesticated companions for as long as 32,000 years.

Today, they are one of the most popular pets in the US, found in over 54 million American homes, or about 44% of all households.

And every one of us thinks that our dog is uniquely special and smart. But how much do we actually know about our furry buddies and what's going on inside their heads?

To find out more about our four-legged friends, we spoke to Dr. Brian Hare, professor of cognitive neuroscience at Duke University, author of the book "The Genius of Dogs," and host of the new DogSmarts podcast.

"What really has happened in the last 10 years is that we've learned more about how dogs think than in the previous 100 years," Hare told Business Insider. "There have been a lot of big discoveries … Dogs are very distinctly different from us genetically, but psychologically, they are more like us than some of our more closely related, more genetically related primate relatives."

Here are a few of the recent discoveries that Hare and other scientists have made about dogs:

SEE ALSO: I got my dog’s DNA tested and what I learned shocked me

DON'T MISS: Dogs are a great source of comfort after a tragedy — here's why

1. Dogs empathize with us.

When you look at your dog and yawn, chances are your dog might yawn, too, because dogs can "catch" your yawn, according to a 2008 study published in Biology Letters. This is called "emotional contagion," and it's a basic form of empathy.

Previous research has shown that primates could "catch" yawning, but this was the first study to show that human yawns are possibly contagious to domestic dogs as well.

Dogs are believed to empathize with us in other ways as well. Research suggests that they are sensitive to their guardians' emotions and that their behavior is influenced by the expression of these emotions. A study from the University of Helsinki found that dogs can sense when their owners are angry and have even evolved to respond accordingly. Another study found that dogs respond in a similar way, physiologically and behaviorally, to humans when they hear a human baby crying— another example of emotional contagion.

2. Dogs want eye contact with us.

Dogs are the only nonprimate animal to look people in the eyes without misinterpreting what it means, Mic reports.

Wolves, meanwhile, interpret eye contact as a sign of hostility, according to Science Magazine.

3. With eye contact, they grow attached to us.

Eye contact has an important effect on both human and dog brains.

"Just by making eye contact with dogs," said Hare, "we have an increase in oxytocin." Oxytocin, sometimes referred to as the "love hormone," plays an important role in attachment-forming, bonding, and trust.

Usually, this kind of response — an increase in the hormone to facilitate bonding — occurs only between parents and their children, or maybe romantic partners, Hare said. This "is the first time that it has been shown that different species, dog and human, can interact and affect the oxytocin loop."

Netflix has a lot of titles to choose from. Actually, combining its original content, movies, and TV shows, you could go on an endless binge and never crack the surface.

But narrowing it down to just movies, you can put a good dent in some classics, if you have the right guide.

Well, that’s why we’re here.

We have searched through all of the titles on the streaming giant so you don’t have to, and we put together the 100 movies on Netflix you have to watch in your lifetime. 

Now get binging!

Note: Numerous Netflix titles drop off the streaming service monthly so titles below are subject to unavailability.

SEE ALSO: 20 modern classic TV shows everyone needs to watch in their lifetime

1. "13 Going on 30" (2004)

Jennifer Garner plays a 13-year-old who dreams of being 30. Yeah, we don't get it either, but it's one heck of a romantic comedy.

2. "Almost Famous" (2000)

Loosely based on writer-director Cameron Crowe's adventures as a teenager writing for Rolling Stone, "Almost Famous" follows a young man's journey into 1970s rock and falling in love along the way.

3. "Amadeus" (1984)

The incredible talent of Wolfgang Amadeus Mozart is showcased in this stunning, Oscar-winning film.

C-Suite executives are known for pulling in a pretty penny. But as it turns out, doctors make even more.

That's right: On average, those sporting scrubs and stethoscopes bring home fatter paychecks than those donning suits and ties, according to the latest US Bureau of Labor Statistics' Occupational Employment and Wage Estimates survey.

The survey, which reflects May 2015 salary and employment data gathered from more than 1 million businesses, found that nine of the nation's top 10 highest-paying occupations are in the medical field.

The best-paying job of all: anesthesiologist.

On average, anesthesiologists in the US earn an average annual salary of $258,100 — which is more than five times what the average American earns.

According to the American Society of Anesthesiologists, these medical doctors are responsible for the safety and well being of patients before, during, and after surgery. In the US, they're required to complete a four-year undergraduate college degree, four years of medical school, and a four-year anesthesiology residency program. Most anesthesiologists become board certified, and many complete an additional fellowship year of specialty training.

A 2014 physician compensation report by Medscape found that nearly 80% of anesthesiologists spend 40 hours or more per week with patients.

Here are the 37 highest-paying jobs in the US— all of which earn more than $115,000 a year, on average:

SEE ALSO: 17 high-paying side jobs you can do in your spare time

37. Computer and information research scientist

Mean annual pay: $115,580

Number of people who hold this job in the US: 25,510

Projected growth (2014 - 2024): 11%

36. Optometrist

Mean annual pay: $115,750

Number of people who hold this job in the US: 35,300

Projected growth (2014 - 2024): 27%

35. Judge, magistrate judge, or magistrate

Mean annual pay: $116,100

Number of people who hold this job in the US: 29,020

Projected growth (2014 - 2024): -1%

As we say goodbye to a summer-movie season full of slumps, it's time to get into the more serious fall titles that will bring powerful performances and, perhaps, some Oscar gold. 

This fall includes anticipated movies like the all-star cast in the reboot of "The Magnificent Seven," Oliver Stone's "Snowden," and Tom Hanks playing the Miracle on the Hudson pilot in the Clint Eastwood movie "Sully."

There are also smaller films that should have your attention like the Sundance hit "The Birth of a Nation" and the powerful "The Light Between Oceans."

Here are 26 movies coming out in the coming months that you should not miss.

SEE ALSO: This startup wants to make sure you never wait in line at the movies again

"The Light Between Oceans" - September 2

Michael Fassbender and Alicia Vikander prove they are two of the top actors working today as they play a couple whose lives crumble after rescuing a baby adrift in a rowboat. Based on the M.L. Stedman novel of the same name, the movie is a visually stunning look at sacrifice. 

"Max Rose" - September 2

This is Jerry Lewis' first leading movie role since Martin Scorsese's "The King of Comedy" in the 80s. The now-90-year-old legend delivers an emotionally charged dramatic performance as a jazz musician who struggles with the death of his wife and the possibility that she was unfaithful to him. 

"Morgan" - September 2

In this thriller Kate Mara ("Fantastic Four") plays a risk-management consultant who has to determine whether to terminate an artificial being who was created in a lab.

There are approximately 7 billion people on Earth today. At such a large scale, it's hard to visualize how we compare to one another, but it's much easier if we imagine there were only 100 people.

If this were the total population, 22 of those 100 people wouldn't have electricity and 17 people wouldn't be able to read or write. We created a gif that breaks down these stats to give perspective on how people live around the world. 

Keep scrolling to see more.

The 2016 Summer Olympics officially ended on Sunday with the closing ceremony held in Rio's Maracana Stadium.

Below we take a closer look at the best moments.

This was the Rio Olympics, and among the many great things Brazil offers, it is colors of every kind.

Athletes walked during the 'Heroes of the Games' segment

It wasn't as many athletes as the opening ceremony, but the athletes were having just as much fun.

Your 20s see you through from your awkward teenage years to your transformation into a full-fledged adult. The decade is all about experiencing new things, taking on new challenges, making mistakes and learning from them, and working towards becoming the person you're meant to be. For those reasons, there's no better time than your 20s to ditch bad health habits and get on to being that better you.

Habits form from routine behaviors, and they're most easily broken while you're still growing and malleable. While you're in your 20s figuring out just what kind of life you want to lead — from big career decisions to relationships to yourself — it's a good time to establish the kind of behavior you'll want to follow for the rest of your life.

While you may be feeling young, wild, and free, your decisions today directly impact your life down the road. No one's perfect and it's good to be open to change, but when it comes to your health, there are certain things you just can't argue with. Science proves that certain behaviors are linked to well-being and longevity, while others affect you negatively, causing suffering now and even later in life. All it takes to ensure you're giving yourself the best chance at a long, happy life, is breaking some bad health habits we're all inclined to give in to. Simple choices you make today will set you up for future success, tomorrow and beyond. Here are the habits you need to ditch, and how to break them.

1. Not getting enough sleep

One of the biggest bad health habits plaguing twenty somethings is not getting enough sleep. Eight hours of shut-eye is said to be the healthy ideal, but between late nights at high-pressure jobs and staying out super late on weekends to blow off steam, many in their 20s are not meeting this quota. It's proven that lack of sleep affects you throughout the day and undesirablethings happen to your body when you sleep poorly. Sleep deprivation affects your body's immune system, hormone levels, mood, and decreases your ability to focus. Still, sleep, let alone good sleep, is hard to come by. Unhealthy bedtime habits and bad habits keeping you up at night can be blamed for making things worse.

Break the habit:

You need to be proactive about making an effort to get more sleep. It is recommended to avoid caffeine for eight hours before bedtime and to remove distractions as you wind down for the evening. Watching your favorite show at the end of a workday might seem ideal, but you're apt to fall asleep with your laptop in your bed much later than planned and your quality of sleep will suffer for it. Have an evening routine that signals to your body that it's time to catch some Zs, like a hot shower and taking a few minutes to stretch. Block out excess light and sound from your bedroom as much as possible.

2. Forgoing sunscreen

It's well known that scary things happen when you don't wear sunscreen, yet it's one of the simplest health habits that we still get wrong all too regularly. From not using sunscreen correctly to not wearing it at all, twenty somethings put themselves at risk for a lot of sun damage that is actually avoidable. Sunscreen is important for more than just cosmetic reasons, but your future self will thank you later for protecting yourself from sun spots, broken blood vessels, and wrinkles.

Break the habit:

Train yourself to wear sunscreen daily, even when it's overcast. If you wear makeup, chances are your foundation has sunscreen built in. Otherwise, check out these non-greasy sunscreens you can wear under your makeup. If you lather up before sun exposure but still find yourself getting burned, you may be applying sunscreen wrong. Study up on these sunscreen mistakes everyone makes to improve your sunscreen game in the future.

3. Not drinking enough water

Chances are you're not drinking enough water. If you relate to any of thesesigns you're dehydrated or are experiencing any of these things happening to your skin, it's time to drink up. Staying hydrated has tons of immediate benefits to your wellbeing. It helps to clean toxins from your body via your kidneys, keeps your muscles and joints working better, and helps keep you motivated and your memory sharp. The ways drinking enough water changes your body are hugely positive and definitely worth the extra effort to get in a few more glasses each day.