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Everything we know about how the 'Westworld' theme park works

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Westworld HBO

Warning: Minor Spoilers ahead for "Westworld."

"Westworld" premiered October 2, and the hour-long introduction to HBO's new sci-fi/western drama may have raised more questions than it answered. But thanks to a new chat-bot created by the "Westworld" marketing team (ask a "host" anything at DiscoverWestworld.com) plus a round up of interviews given by co-creators Jonathan Nolan and Lisa Joy, we might have some answers for you.

Scroll down to learn everything there is to know about the "Westworld" theme park and its rules.

Spending a single day in Westworld can cost up to $40,000.

The "Discover Westworld" chat bot, Aeden, told us about the logistics of booking a stay in the park. "The typical visit costs at least $40,000 per day," Aeden said. "Can’t afford it? We can set up a payment plan to get you there."

Guests can stay overnight in one of the hotels in Sweetwater, the small town where every guest begins their journey. A train drops you off in town, and then it's up to each person to decide what their vacation will be like.

 



Westworld is NOT virtual reality — the guests and hosts are actually living in a gigantic swath of land.

The control center has a giant, interactive digital rendering of the park, which may have confused some viewers into believing the park was all virtual reality. But showrunners Jonathan Nolan and Lisa Joy have confirmed that it's a very real place. 

We don't know where on Earth Westworld is supposed to be though, nor do we know what year in the future the park's creators are living. But we know it's a real (and enormous) place designed meticulously to looked like the Wild West of the late-1800s.



The park is designed like a "Choose Your Own Adventure" book, or a "Grand Theft Auto"-esque video game.

Everything the hosts do is written into their narrative, but they have a wide variety of possible paths. This enables the guests to interact with them at any given point during the day, and therefore trigger a different possible storyline. 

We saw this with Teddy. On one day, he walked through the park uninterrupted until he saw Dolores, and then the two of them were set on a story loop that led back her ranch. But the next day Teddy was found by a guest, leaving Dolores to do her shopping and then go out and paint for awhile, where other guests found her.

 



See the rest of the story at Business Insider

Take a rare look inside this $174 million superyacht that has its own helipad and movie theater

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solandge yacht

Wealthy buyers hailing from Russia to Italy gathered at this year's Monaco Yacht Show to marvel at the most luxurious yachts on the market.

One of the yachts on sale, dubbed the Solandge, has to be one of the more opulent yachts we've ever seen.

With six decks and a hefty $174 million price tag it's worth giving the Solandge superyacht a closer look:

SEE ALSO: Here's how the super rich buy mega-yachts

Measuring 279-feet long, the six-deck yacht has a bar with a piano, pool, movie theater, and dining hall. It also has a helipad and elevator.



The yacht has eight suites that can accommodate 16 guests. The whole yacht has marble and beautiful dark wood finishing that make it look more like a palace than a boat.



Take the master suite, for example, which comes with a giant, sparkling chandelier overhead and a massive king-sized bed.



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Here's everything Google just announced (GOOG)

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Google Products october 4 2016 event

Google's biggest product launch wrapped up Tuesday, and a slew of new gadgets are coming soon from the search giant.

Did you miss all the action?

Here's everything Google announced:

SEE ALSO: The Amazon Echo Dot review

Two new phones: The Pixel and Pixel XL

The Pixel and Pixel XL are the first-ever purely Google phones.

The Pixel has a 5-inch screen and the XL has a 5.5-inch screen, but other than that, they're essentially the same. The Pixel will also run the latest version of Android called Nougat, and Google claims it has the best camera ever put in a smartphone. Other than that, it has a lot of the other high-end features you'd expect from a premium smartphone. 

The Pixel will start at $649 and you can buy it unlocked from Google or through Verizon. 

Read more about the Pixel here >>



A virtual reality headset called Daydream View.

Daydream View lets you slot in the Pixel (and other Android phones in the future) and enjoy VR content.

The View has a soft fabric covering, similar to Facebook's Oculus Rift. It also comes with a remote packed with motion-control sensors for navigating menus and playing games.

Daydream View will cost $79 and goes on sale in November.

Read more about the Daydream View here >>



A new Chromecast that works with 4K video.

The Chromecast Ultra is a souped-up version of the regular Chromecast that's designed to play 4K video. It also has faster performance and improvements to its WiFi connections.

Chromecast Ultra will cost $69 and go on sale in November.

Read more about the Chromecast Ultra here >>



See the rest of the story at Business Insider

Everything you need to know about Google's new VR headset (GOOG, GOOGL)

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google pixel colors

Google's making a phone! Have you heard?

It's called the Pixel, and it comes in regular (5-inch) and XL (5.5-inch). It's pretty, and powerful, and it's got a great new camera. There's even a headphone jack! 

More than that, the new phone is the first to power a new virtual reality headset from Google arriving this November. That headset is called Daydream View, and it looks like a combination between a Flyknit shoe and a VR headset. Here's everything we know about it.

SEE ALSO: Google's got a new virtual reality headset — this is 'Daydream View'

DON'T MISS: All the apps and games you'll be able to use with Google's new Daydream View headset

This is Google's "Daydream View," the headset component of Google's phone-based VR system.



It's covered in cloth microfiber, intended to make it as comfortable to wear as possible.



"We worked with clothing designers and makers to get the design just right," Google VR head Clay Bavor said of Daydream View during the announcement.



See the rest of the story at Business Insider

A woman spent $25,000 to build a room hidden behind a bookcase in her apartment — here's what it's like inside

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Sara Nainzadeh

Sara Nainzadeh always wanted a secret room. When renovating an apartment she purchased in 2009, she realized she had enough space to build one.

"When I got this apartment, I knew I could utilize two of the three bedrooms," Nainzadeh, who works in finance, told INSIDER. "And I thought I wanted the third space to be an office space."

The third bedroom did, in the end, become an office space. And a lounge to hang out with her friends. You just have to get there by pulling a book off a shelf. With the help of the company Creative Home Engineering, Nainzadeh got herself her secret room.

Take a look inside:

Creative Home Engineering offers different kinds of hidden doors. They hide rooms behind staircases and fireplaces. Nainzadeh wanted a bookshelf.



They built it in their own workshop in Arizona. It's custom made to fit her apartment, and was installed by their own team.



Her version cost $25,000. This is what it looks like in action.

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11 basic Excel tricks that will change your life

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Even regular users of Microsoft Excel might not be getting as much out of it as they can. Improve your Excel efficiency and proficiency with these basic shortcuts and functions that absolutely everyone needs to know.

SEE ALSO: This is what separates the Excel masters from the wannabes

1. Jump from worksheet to worksheet with Ctrl + PgDn and Ctrl + PgUp

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2. Jump to the end of a data range or the next data range with Ctrl + Arrow

Of course you can move from cell to cell with arrow keys. But if you want to get around faster, hold down the Ctrl key and hit the arrow keys to get farther.
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3. Add the Shift key to select data

Ctrl + Shift +Arrow will extend the current selection to the last nonblank cell in that direction.RAW Embed



See the rest of the story at Business Insider

The 30 highest-paying jobs you can get without a bachelor's degree

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real estate agent

Don't have the time or money to get a bachelor's degree?

Don't fret. There are plenty of high-paying jobs that require only a two-year associate degree or just a high-school diploma.

According to the latest data from the US Bureau of Labor Statistics, these are the 30 highest-paying jobs that you don't need a four-year degree to pursue.

Each has a median annual salary of at least $62,000.

This is an update of a story originally written by Vivian Giang.

SEE ALSO: 30 high-paying jobs you don't need any college experience to pursue

DON'T MISS: 19 jobs to avoid if you hate people

30. Subway and streetcar operators

Description: Transport passengers.

Median annual wage(2015): $62,360

Education required: High school diploma or equivalent

Projected job openings (through 2024): 5,200

Work experience: None

On-the-job training: Moderate-term on-the-job training



29. Claims adjusters, examiners, and investigators

Description: Review settled claims to determine that payments and settlements are made in accordance with company practices and procedures.

Median annual wage (2015): $62,980

Education required: High school diploma or equivalent

Projected job openings (through 2024): 84,000

Work experience: None

On-the-job training: Long-term on-the-job training



28. First-line supervisors of mechanics, installers, and repairers

Description: Directly supervise and coordinate the activities of mechanics, installers, and repairers.

Median annual wage (2015): $63,010

Education required: High school diploma or equivalent

Projected job openings(through 2024): 113,500

Work experience: Less than five years

On-the-job training: None



See the rest of the story at Business Insider

Here's what a one-bedroom apartment looks like in America's 20 most expensive rental markets

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Chicago Zillow

Rents may be dropping slightly in several of America's largest cities, but it's always helpful to know what your money can get you.

Of course, your rent money will stretch a lot further in some cities than others. A one-bedroom apartment in New York City, for instance, goes for about $2,000 more than the same-sized apartment in Denver.

With the help of real-estate marketplace Zumper and its October national rent report, we've compiled a sampling of one-bedroom listings in the 20 most expensive markets in the US.

Each listing is within $100 of the respective city's median rental price.

SEE ALSO: Here's the income you need to comfortably pay rent on a 2-bedroom apartment in 15 of the largest US cities

DON'T MISS: Here's what a 4-bedroom home looks like in America's most expensive neighborhoods

20. DENVER: For $1,300 a month, residents of this newly renovated apartment in a quiet residential neighborhood are close to several parks and shopping centers.

Rent: $1,300/month

Neighborhood: Speer

This apartment overflows with amenities, including everything from dark wood cabinets to stainless steel appliances to new flooring and lighting. 

 

 



19. ATLANTA: This spacious apartment goes for $1,295 a month and includes access to a fitness center, picnic area, and outdoor barbecue space.

Rent: $1,295/month

Neighborhood: Midtown

This pet-friendly apartment comes complete with a balcony, hardwood floors, a walk-in closet, and air conditioning to temper Atlanta's hot summers. The complex also offers a business center, garage parking, and a pool. 

 

 

 



18. MINNEAPOLIS: Located in the heart of Minneapolis, units in this complex start at $1,345 a month and sit close to walking trails along the West River Parkway and fine dining in Highland Park.

Rent: $1,345 to $1,495/month

Neighborhood: Hiawatha

Units at Parkway West captivate residents with an open layout, floor-to-ceiling windows, and a rooftop patio. 

 

 



See the rest of the story at Business Insider

The all-new Acura NSX has some surprisingly impressive cupholders

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NSX Cupholders

Acura's original NSX developed a cult following during its first-generation production run, covering 15 years from 1990 to 2005. 

Almost as soon as Acura discontinued the car, fans starting screaming for a second-gen.

But they had to wait a while. After an aborted reboot in the 2010 period — thanks, financial crisis — a proper re-imagining of the NSX took physical form as a mid-engine supercar concept, revealed at the 2012 Detroit auto show.

We got our first look at the actual NSX at the 2015 New York auto show, and more recently, we've spent some time with the production car, both on and off the race track.

The 2017 NSX — with a 3.5-liter twin turbo assisted by three electric motors in its quest for 573 horsepower — is impressive, but we don't want to give too much away ahead of a forthcoming review. 

We do want to highlight one amazing feature, however: the NSX's cupholders.

Supercars, and for that matter sports cars, and cupholders are not two great tastes that go great together. We've poked fun at the Porsche 911's cupholders and worked hard to locate them in various McLarens and Lamborghinis. Enjoying a beverage, hot or cold, while motoring isn't really the point of these machines.

That said, the new Acura NSX is distinguished by its exceptionally comfortable interior. You kind of do want to enjoy a beverage in there.

This is how Acura addressed that desire.

SEE ALSO: The Porsche 911 is a great car — but its cupholders are pathetic

Just for reference, here's the cupholder on a McLaren 675LT. Yep, typical for a supercar.



And here's what you get on a Porsche 911 Targa 4S. Not sure I would actually want to put anything in those. They swing out of the dashboard.



Now let's move on the the NSX. OK, it's not a large car. Most of it is motors. There are only two seats.



See the rest of the story at Business Insider

6 productivity hacks that tripled my income

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ryan levesque 3

In February 2012, my son Henry was born.

Shortly after, I found myself hooked up to machines in the ICU.

I had been losing weight and feeling ill for a few months. When I applied for life insurance and was denied, the blood test results were alarming: I had undiagnosed juvenile diabetes — and at 30 years old, my organs were shutting down.

The doctors said I was 24 hours away from slipping into a coma or possibly dying.

Lying in a hospital bed gives you time to think (there are few other alternative activities). In fact, I did nothing but think… about my life, my family, my business, and the kind of impact I wanted to make.

I realized that I needed to change my everyday lifestyle. I didn’t want to miss watching my son grow up. And I wanted to grow my business, too.

Over the course of a few months, I made six major “upgrades” to my life. These things not only made me healthier, they also made me more productive at work, so I can spend more time with my family.

All my changes paid off. In less than a year, I was making $117,000 a month, triple what I had been making at the start of 2012.

growthlab chart 1

This post is about the upgrades I made, the reasons I made them, and the effect they had on my life.

These six tactics can also help you increase your productivity and, in turn, your revenue.

But before we get into upgrades, let me explain why these work.

Decision fatigue costs you money

All the changes I’m going to share with you help cut down on something called “decision fatigue.”

Every time you make a decision, whether it’s who to hire or what to eat for breakfast, you use the part of your brain that controls willpower. And, like a muscle, your willpower gets tired if you use it over and over again during the day.

A great example of this is a study of 1,100 Israeli parole board decisions over the course of a year.

As summed up by the New York Times, “Prisoners who appeared early in the morning received parole about 70% of the time, while those who appeared late in the day were paroled less than 10% of the time.”

The difference wasn’t the crimes (the cases were all fraud and assaults). It was the timing that the cases were heard.

In the morning, when the judges’ decision-making ability was fresh, they made more favorable decisions. But in the afternoon, they were more likely to deny parole since they had been making decisions all day.

 

growthlab chart 2

When I read this, I thought about all the decisions I was making during the day. I decided to save my willpower and focus for the things that were really important to me and my business.

My goal was to eliminate as many unimportant or routine decisions as possible. I found six ways to do this.

SEE ALSO: How I built a 6-figure business while working full time and raising a family

Upgrade 1: Set up a “Battle Station”

When I started out, my “office” was a lawn chair in my living room and a $450 laptop. But I had dreams of a dedicated space designed for maximum productivity.

And as my business grew and I started adding team members, I knew I needed a more efficient workstation. One screen just wasn’t enough. Plus, I needed a more comfortable and productive setup.

So when the time came to upgrade, I did a lot of research and ended up with what I call my “Battle Station.”

With this setup, I have the most reliable tools and the most comfortable setting so I can work without getting distracted or tired.

I’d like to walk you through each of the elements and why they are so crucial to productivity.

1. 3-monitor set up
This allows me to see everything at once. I have my schedule on one monitor, team communications on another, and I can toggle between important docs on the third without having to constantly flip back and forth between tabs and windows.

2. A height-adjustable walking desk
We’ve heard that sitting all day long isn’t healthy. And sometimes I think best when I’m on my feet, so my sitting/standing treadmill desk gives me the best of both worlds.

Anytime I’m feeling sluggish or want to brainstorm ideas, I get up and start walking — while I also continue to work.

Although the original cost of my particular desk is pretty high, I found mine at an estate sale for $350. So if you don’t want to make a huge investment, try to find something secondhand. Stores like IKEA also have cheaper sit/stand desks.

3. Headset
One of the tools that literally changed my whole day is my headset. What I love about this one is the ability to walk around my 4-story brownstone, out the front door, and down the block, and still have perfect reception. I’m on the phone most hours, so this is ideal for me.

4. Anti-fatigue mat
Because I stand most of the day, a friend recommended that I invest in an anti-fatigue mat. This is a mat that reduces the strain on your heels and arches.

I was skeptical at first, but I gave it a shot, and it made a huge difference. Now I have less back and leg pain and more energy.

5. Wireless mouse
My wrist used to get fatigued, until I discovered this ergonomic mouse. It puts less pressure on my hand and wrist, so I can work longer without any pain.

6. Wireless solar keyboard
Mine never needs a battery change, and it’s super thin and light.

Getting my “Battle Station” together took a few weeks. And for the specific products that I chose, it cost me around $2,000. (It would have cost more, but I got such a great deal on the standing desk.)

The investment quickly paid for itself. I found myself accomplishing three times as much every day, which allowed me to take on more clients and make more money.

But that’s just the physical equipment setup. The more important piece of the productivity puzzle is what I do to keep my mind running at its peak all day long.



Upgrade #2: Don’t care about fashion

I’d rather use my brainpower on my work rather than worrying if I look good. So I wear the same thing every day.

Above is what my closet looks like.

I have the same $15 polo shirt in 10 different colors and the same dress shirt in 4 different colors.

This makes getting dressed in the morning more or less automatic — just pick the next shirt in line. And that means one less decision during my day. Call the fashion police on me; I’m too busy making money.



Upgrade #3: Automate your exercise

Until a few years ago, the longest I’d ever exercised consistently was 2-3 weeks. I’d read that working out can make you more productive at the office, but it’s hard to commit to it.

Plus it involves many decisions: making the time, picking out workout clothes, driving to the gym, doing each exercise…

I chose to take most of the exercise decisions out of my hands and hire a personal trainer. This also gave me accountability.

My trainer comes 3 times a week and forces me to work out — no excuses. Because of him, I’ve gone from being a guy who hit the gym once in a while to someone who rarely misses a session.

Not only does the exercise help me start my day off right, but, since I have a trainer, all I have to do is show up and follow directions. No decisions necessary.

That makes me more productive at work, plus I have more energy and look better.



See the rest of the story at Business Insider

The 31 games coming to the PlayStation 4 VR headset on launch day

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On October 13, Sony will be joining the likes of Facebook and Valve, releasing its very own virtual reality headset to compete against the Oculus Rift and the HTC Vive.

PlayStation VR

Unlike competing headsets, you don't need a super powerful PC to use PlayStation VR — it will work with the millions of PS4s already on the market.

But no piece of gaming hardware is any good unless you have games to play on it. Here are the 31 games you'll be able to play on your PlayStation VR on launch day.

SEE ALSO: Sony's new $399 PlayStation VR brings us way closer to the next big thing in computing

DON'T MISS: There's a common complaint among the first PlayStation VR reviews: Motion tracking is not good

"100ft Robot Golf" is a playful, silly, chaotic golf game in which you play giant robots who can crush buildings with a single, mighty swing of a club.



"Ace Bandana" is an arcade-style archery game.



"Battlezone VR" is a bright, colorful multiplayer tank combat game.



See the rest of the story at Business Insider

A new drive-thru salad bar should scare legacy fast food brands

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Salad and Go drive thru image

Fast food drive-thrus are attractive for four main reasons: the food's cheap, fast, delicious, and you never need to leave your car. A new chain is offering those four things plus one more: food that's healthy.

Called Salad and Go, it has six locations in Arizona and serves ... you guessed it. Its co-founder, Roushan Christofellis, hopes it will serve as an alternative to legacy fast food.

"We know that so many of those people eating from traditional drive-thru fast food are forced to go there, because they, just like me, needed something convenient and affordable, and that was their only option," she tells Business Insider.

Salad and Go sells 48-ounce salads, all priced between $5.74 and $8.23 depending on whether you add chicken, steak, or shrimp. It also offers soups, smoothies, and breakfast, which all cost around $4.

Its drive-thru model is what largely allows the chain to keep prices low, Christofellis says. Since the 650-square-foot locations don't have interior seating, Salad and Go has low operational costs, and as a result it can keep its salads under $6.

The chain plans to launch eight more Arizona locations by the end of 2017, and elsewhere in the US in the next two years.

Check it out.

SEE ALSO: http://www.businessinsider.com/pay-what-you-want-cafe-philadelphia-2016-9

Salad and Go's six locations are in Arizona.



Buying food there works just like most drive-thrus. First, you order at the outdoor menu ...

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... and then pull up to the window where you pay and collect your meal.



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Porsche unveiled a new model of its Panamera hybrid — and it looks amazing

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porsche panamera 4e hybrid

Porsche showed off a new version of its hybrid sedan at the Paris Motor Show, and it sure does make driving a hybrid look good.

Deliveries of the 2018 Panamera hybrid will take place in 2017, starting in Europe in April.

Scroll down for a closer look.

SEE ALSO: Lexus just leaked pictures of its new SUV concept and it has no mirrors

The 2018 Panamera hybrid has an all-electric range of 31 miles, a nice little bump from the original 2013 Panamera hybrid that offered a range of 20 miles.



It has a solid acceleration time of 0-60 mph in 4.6 seconds, and can reach a top speed of 87 mph in all-electric mode.



It comes with a 2.9-liter twin turbo V6 engine that will kick the top speed up to 172 mph.



See the rest of the story at Business Insider

Here's a look at the 'exclusive' version of Android that Google is reserving for its new Pixel smartphones (GOOG)

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google pixels

The Pixel is here and it's taking over the Nexus line as Google's special phone!

Yet, Google is doing things a little differently with the Pixels than it did with the Nexii smartphones by adding a layer on top of stock Android, called a launcher, to add more features and update the overall look and feel of Android.

Check out the Pixel launcher, which is exclusive to Pixel smartphone owners:

SEE ALSO: Here are all the differences between Google's two new Pixel smartphones

It's more polished and cleaner than the stock version of Android 7.0 you'd find on a Nexus. Google's app icons are also all round.



There's no more button for the app drawer. Instead, you swipe up from the mini arrow above the app dock.



The Pixel launcher comes with Google's helpful voice-enabled AI bot called Assistant. You can swipe the "pill" button on the top left, or summon it by saying "Ok Google."



See the rest of the story at Business Insider

A Buddhist monk at Salesforce's tech conference showed me a great way to reduce stress (CRM)

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Dreamforce meditation

Salesforce CEO Marc Benioff is big on meditation. 

He not only practices "mindfulness" sessions a few times a week, he's also built meditation rooms in Salesforce's new office buildings to encourage his employees to do it as well.

And now he's spreading the word to the entire Salesforce customer and user community by inviting 23 monks to Dreamforce, the massive blockbuster tech conference Salesforce hosts every year.

The monks hail from Plum Village, the Buddhist meditation center in southern France founded by Nobel Peace Prize nominee Thích Nhất Hạnh.

Benioff personally invited the monks so they could give meditation tips to the more than 170,000 guests coming to this year's Dreamforce. The monks have set up two "Mindfulness Zones" right outside of Moscone Center, where Dreamforce is taking place, and are giving free daily sessions, including a walking meditation and mindful eating class.

Dreamforce meditation

Business Insider had a chance to speak with one of the monks, Brother Phap Lai, and learn how people new to meditation could use it to reduce stress and achieve "mindfulness."

Lai says the goal of meditation shouldn't be about excelling at work or learning the keys to success. Rather, it's a way of life, and integrating it into your daily routine so it "brings benefit to you and more happiness to you," he says.

"What we're offering is a way to bring a more genuine long lasting happiness into your way of life," he adds. "That may bring fruit to your work because happier people generally tend to have certain success in the sense that they communicate better, they're less stressed. So there may be a side benefit, but it's not what we're talking about here."

Here's an easy way to practice meditation at home, according to Brother Phap Lai:

  1. Find an ambient, quiet place for yourself at home, a place that gives a sense of warmth and inspires you
  2. Sit in a posture that's stable (he described it as having a string attached to your head, being pulled up like a marionette, but also being relaxed)
  3. You have to find that center of gravity, or a sweet spot, that gives you a subtle and pleasant feeling
  4. Close your eyes and identify your in-breath and out-breath. Allow the breath to come in deeper through your tummy and lung to fill up.
  5. Repeat the in-breath and out-breath process 3 to 5 times.
  6. Start by doing it 5 to 10 minutes a day. Then you can extend it to 30 minutes to 1 hour a day. Lai does it once in the morning and evening every day.

And here's what Brother Lai told me when I struggled to concentrate:

  • "The sitting mediation experience allows you to really ground yourself and your body, and think the present moment, really being here now."
  • "The stability of the body can really help the stability of the mind."
  • "You don't have to think about thinking, just try and be with the experience."

  • "Instead of trying to ignore the outside noise, just let it go. It doesn't matter, all that matters is you breathing…try and get this feeling 100%. This is the most important thing in my life."

  • "The point is you touched the possibility of this thing of just being with the breath. And the mind doesn't need to be engaged thinking about it, just experience it."

  • "If you can learn to have a place you can call home, which is your body, it becomes your home and you become familiar to go back there, being with the breath, with the body. From that place, you are safe, it becomes where you can go back to, it becomes your refuge, and it becomes a place where you restore yourself."

Here are a few photos of Dreamforce's "Mindfulness Zone":

SEE ALSO: More than 170,000 people are coming to San Francisco for Salesforce's blockbuster event this week — here's what to expect

The Mindfulness Zone is right in front of Moscone Center.



Here's what it looks like. Any Dreamforce attendee can come in and speak with the monks.



I talked to Brother Phap Lai.



See the rest of the story at Business Insider

What 17 successful people wish they'd known about money in their 20s

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mark cuban

Your 20s are far from simple ... especially when it comes to your finances. Even the some of the wealthiest, most successful people didn't escape this decade without making one (or several) money mistakes.

We asked a handful of self-made millionaires and billionaires, CEOs and entrepreneurs, and best-selling authors what they wish they'd known about money from the get-go.

Here's what they had to say:

SEE ALSO: The 11 smartest things to do with your money in your 20s

Have a cash cushion

John Paul DeJoria, cofounder of John Paul Mitchell Systems and Patrón tequila

"Before investing or starting a company, make sure you have enough money saved for at least six months to pay bills or anything else that might come up financially. It's important to have a cushion of six months financial back-up before you invest or if something doesn't work out in your favor."



Learn to manage your credit cards

Mark Cuban, billionaire entrepreneur, investor:

"[I wish I knew] that credit cards are the worst investment that you can make. That the money I save on interest by not having debt is better than any return I could possibly get by investing that money in the stock market. I thought I would be a stock-market genius. Until I wasn't.

"I should have paid off my cards every 30 days."



Skills are worth more than a job

Tim Ferriss, angel investor, best-selling author of "The 4-Hour Workweek":

"In your 20s, optimize for learning, not earning. Work directly under or with master dealmakers and acquire skills. This is particularly true for negotiating and hard skills, like coding.

"What would you rather have: $20,000 more per year in your 20s, leading to making $100,000 to $200,000 a year in your 30s, or a lower-paying job from 20 to 25 — but one like a real-world MBA you're paid for — leading to making millions in your 30s?

"It often comes down to prioritizing skill acquisition over immediate, post-college earning. McKinsey or Goldman can be seductive, but it's easy to get trapped in a 20-plus-year path of paying for a bloated lifestyle that is always a bit more expensive than the year before. Serfs can become self-made kings, but consultants tend to remain consultants. The only true job security is a superior skill set."



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The 37 highest-paying jobs in America

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anesthesiologist

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%



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I've been traveling the world for 5 years, and here are the 7 best pieces of advice I can give you about money

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Nina Ragusa

I’ve been traveling and living abroad for over five years. My life sounds like one big vacation, right? It’s not! 

No matter what we do in life, working to obtain money will always be a part of it (unless you’re one of the six Brangelina kids, of course).

After changing my lifestyle to one that involves living in different countries and finding alternative ways to make money, I’ve picked up a few money tips that could be useful should you want a to travel like pro or even live a nomadic expat lifestyle like me.

 

SEE ALSO: A 31-year-old who's been traveling the world for 5 years explains how she affords it

DON'T MISS: A 31-year-old who's been traveling the world for 5 years gives her best advice for people seeking adventure

You don’t need it.

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There are a lot of things you simply don’t need. That fancy shampoo made of unicorn hair and fairy dust, that third cup of Starbucks' crappy coffee, and the new iPhone 7 are all wants, not needs. People keep talking about wanting to travel more, but they aren’t making moves to make it happen. Stop purchasing items and start purchasing experiences.

You don’t have to give up everything, instead just find a few things you’re willing to live without and watch as your money stacks up!

I’ve learned to live without a lot of things — I don't buy fancy hair and makeup products and make my own coffee — and I can honestly and truly say my life is better without them. The experiences I’ve gained in place of those material items are priceless. (It’s true as cheesy as it sounds!)

 



Stop giving your money away.

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Well of course you’re not going to go to the top of the building with a bag of cash and just dump it in the streets for anyone to take, right?

On a less dramatic scale than that example, when you don’t do some research on popular scams in a country, when you don’t haggle a bit (not too much now), or if you don’t do some homework on how much things should cost, then you’re essentially giving your money away.

And I don’t feel the slightest bit bad for you either.

Keep that cash by doing just a bit of homework.

Pro tip: Always ask a neutral person how much something costs. Example: Ask your friendly staff at the hotel how much a taxi from the hotel to *insert awesome place you want to go to* should cost. They have no benefit in lying to you and this is a good base to know when haggling with the driver. 

 



Go where you can afford to go.

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You want an epic vacation, possibly to Paris, but your bank account will probably crumble quicker than a baguette when you turn it into Euros. However, the peso in Mexico is looking a lot more doable. Go where you can actually afford to go. Don’t worry about money on your holiday. There’s no point in going to Paris if you can’t afford to be there and actually enjoy it.

 



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NFL POWER RANKINGS: Where all 32 teams stand going into Week 5

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paxton lynch

We're roughly a quarter of the way through the NFL season (the bye weeks make everything complicated) and some things are finally starting to make sense. 

The Steelers are a terrifying offensive team. The Broncos are a terrifying defensive team. Somehow, the Vikings and Eagles might just be the best teams in the NFC. 

Other teams, however, remain a mystery. What's going on with Arizona and Carolina? An NFC Championship rematch looks unlikely right now with both teams at 1-3. The Rams, somehow, are 3-1. But are they for real? 

As always, every week provides a little more insight. Oh, and Tom Brady is back. 

Here are our Week 5 power rankings.

32. Cleveland Browns

Record: 0-4

Week 4 result: Lost to Washington, 31-20

Week 4 star: Running back Isaiah Crowell had 120 yards and a touchdown, so we'll give it to him.

Week 5 opponent: vs. New England Patriots

One thing to know: Tom Brady is 5-0 against teams that are 0-4 or worse. That's not great news for the Browns.

 



31. Miami Dolphins

Record: 1-3

Week 4result: Lost to the Bengals, 22-7

Week 4 star: Kenny Stills has turned into a deep weapon for Ryan Tannehill, recording a 74-yard touchdown on his lone catch.

Week 5 opponent: vs. Tennessee Titans

One thing to know: Head coach Adam Gase admitted he was coaching poorly by using four running backs last week. The Dolphins have run for the fifth-fewest yards in the NFL so far.

 



30. San Francisco 49ers

Record: 1-3

Week 4 result: Lost to the Cowboys, 24-17

Week 4 star: Jeremy Kerley had 88 receiving yards, including a 33-yard touchdown.

Week 5 opponent: vs. Arizona Cardinals

One thing to know: Wide receiver Torrey Smith has been something of a non-factor so far for the Niners. He has just nine catches for 106 yards and a touchdown through the first four games of the season and looked frustrated against the Cowboys. 

 



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The 10 best-sounding concert halls in the world

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Musikverein, Vienna

There’s no objective way to determine the best acoustics for concert halls, though most people agree on the basics.

Sydney Opera House? Awful. New York’s Avery Fisher Hall? Mediocre. Vienna’s Musikverein and Boston’s Symphony Hall? Divine.

Acoustic consultants now playing a central role in any new concert venue design.

"With the objective criteria of today, one can safely plan for a hall that would be somewhere on the scale from good to excellent," says Magne Skålevik, a senior acoustical consultant at Brekke & Strand Akustikk. "Another way of putting it is, we are able to explain 70-80% of the average listener's preference by the physical and acoustical properties of the hall."

For now, the only effective way to rank concert halls acoustics is subjective. Acoustics legend Leo L. Beranek, 102, has published several rankings of concert halls based on interviews conducted around the world. Earlier this year, he published an updated list that took into account ratings from a survey by Skålevik.

One notable trend is that the highest-rated concert halls were built before 1901. Beranek attributes their high scores in part to rectangular, or shoebox, shapes and lightly upholstered seats. Many newer halls, meanwhile, sacrifice sound quality for visual design, size, and comfort.

"Architects are reluctant to design shoebox shapes because they show no originality," Beranek says. "So the new designs are like the recently opened Philharmonie de Paris. There are some excellent seats, but because the audience is seated everywhere, front, behind, to the sides and above the stage, the acoustics sound different everywhere and in some places are unsatisfactory to me."

Here are the highest-ranking concert halls on Beranek's list.

SEE ALSO: Listen to a song performed in 15 different spaces

DON'T MISS: Tidal's $20 lossless streaming? It's probably not worth it

#1 Musikverein, Vienna, Austria

Musikverein is a shoebox hall with 1,744 seats. It opened in 1870.

"This certainly is the finest hall in the world," world-famous conductor Bruno Walter said. "It has beauty and power. I had not realized that music could be that beautiful."

Beranek explains in "Concert Halls and Opera Houses" that "the superior acoustics of the hall are due to its rectangular shape, its relatively small size, its high ceiling with resulting long reverberation time, the irregular interior surfaces, and the plaster interior." 



#2 Symphony Hall, Boston, USA

Symphony Hall is a shoebox hall with 2,625 seats. Designed by McKim, Mead and White, it opened in 1900.

Harvard Professor Wallace Clement Sabine helped plan the hall, introducing new techniques to measure and increase reverberation time.

"Even the first time that I conducted there, I was struck by its acoustics," Bruno Walter said about the hall. "It is the most noble of American concert halls."



#3 Concertgebouw, Amsterdam, Netherlands

Concertgebouw is a shoebox hall with 1,974 seats. It opened in 1888.

Writes Tom Service for the Guardian: "I’ve never heard a performance in which the colors of textures of Debussy's marine onomatopoeia sounded so thrilling, in which the mere sound of a gong or a celesta was transfigured into musical poetry simply by being played in that space by those musicians."



See the rest of the story at Business Insider
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