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Famous chefs reveal their favorite places to eat in New York City

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barbuto chicken

You could spend a lifetime restaurant-hopping in New York City and never have the same meal twice. But finding the truly standout spots is harder than it seems: Online review sites aren’t always reliable, knowledgeable friends may not have veered off the beaten path, and the tried-and-true places are so mobbed you’re lucky to snag a reservation three months ahead of time. So how’s a hungry traveler supposed to track down the best eats? Easy: Ask the pros.

It’s a given that chefs know great food, but even better, when your job involves a steady stream of amazing meals, you’re less likely to be blinded by hype or high price tags. We civilian food lovers might get so caught up in the pomp and circumstance of a pricey tasting menu that it’s easy to overlook less-than-stellar cuisine, but chefs can recognize greatness whether it comes expertly plated on bone china or hastily scooped into a takeout carton.

The New York City Wine and Food Festival brings some of the best culinary minds in America to five boroughs, so we polled the pros to find out which dishes they can’t miss in New York City.

Read on for great Szechuan noodles, unmatched Italian food, and the deceptively simple chicken dish that two top chefs can’t stop thinking about.

Dominique Ansel

“Pressed Cornish hen at I Sodi in the West Village, and a negroni classic to match.”—Dominique Ansel, Dominique Ansel Bakery, New York, Tokyo, and London



Amanda Freitag

“New York is my hometown, so this is a tough one. I live in a new neighborhood and I’m currently obsessed with Café China. They have authentic Szechuan cuisine that’s addictive—the dan-dan noodles and smoked duck fried rice are dishes I could eat daily!”—Amanda Freitag, host, American Diner Revival



Hugh Acheson

“Any dish at Gramercy Tavern, which to me is the most iconically important American restaurant. Michael Anthony is also the most wonderful chef and a gem of a human who cooks with passion and skill every day of his life.” —Hugh Acheson, Five & Ten and The National, Athens, GA; Empire State South, Atlanta; The Florence, Savannah, GA 



See the rest of the story at Business Insider

WHERE ARE THEY NOW? What happened to the people In Microsoft's iconic 1978 company photo (MSFT)

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original microsoft employees

It's one of the most iconic photos in American business.

A ragtag group of bearded weirdos assembled for a family portrait in Albuquerque.

If you see it on Facebook or LinkedIn, there's usually a question above the photo: "Would you have invested?"

It's a trick question. You're supposed to answer no – because well, look at those people – but then you learn it's a company portrait of Microsoft from 1978.

Early employee Bob Greenberg, pictured in the middle, won the free portrait after calling in a radio show and guessing the name of an assassinated president. The gang reluctantly gathered together in some of their finest attire, and an American business legend was made.

We all know what happened with the two guys in the bottom left and bottom right corners -- Bill Gates, and Paul Allen. But what about the rest, many of whom became millionaires?

With Microsoft's stock hitting an all-time high after earnings on Thursday — higher than its previous peak in 1999, at the height of the dot-com boom — we thought it would be a good time to take another look back.

This is an update of a post originally written by Jay Yarow in 2011.

SEE ALSO: Microsoft millionaires unleashed: 12 Microsoft alums who spent their money in the most magnificent ways

Bill Gates is now giving away the billions he made from Microsoft

We all know what happened with this guy. Bill Gates founded and built Microsoft from nothing into the most valuable technology company in the world. Along the way he became the richest man in the world, and is now giving is fortune away to all kinds of good causes.



Andrea Lewis became a fiction writer and freelance journalist

Andrea Lewis was the only person at the company that was from Albuquerque. She was a technical writer for Microsoft, which meant she wrote documents explaining Microsoft's software. She left Microsoft in 1983, eventually becoming a freelance journalist and fiction writer. She co-owns the Hugo House, a literary center in Seattle.



Maria Wood sued Microsoft just 2 years later

Maria Wood was a book keeper for Microsoft, and married to another one of the early Microsofties in the picture. She left the company just two years later, suing it for sexual discrimination. Microsoft settled the case. After that, she vanished from the public eye, raising her children and volunteering for good causes.



See the rest of the story at Business Insider

How to tell someone's lying to you just by watching their body language

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Everyone gets lied to now and then, but when the stakes are high, knowing the difference between a truth and a lie can save the day.

Detecting high-stakes lies is often the work of the FBI, and they frequently look to facial expressions, body language, and verbal indicators as signals, or "tells," that someone is lying.

Mark Bouton, an FBI agent for 30 years and author of "How to Spot Lies Like the FBI," tells Business Insider that he used certain tells to help identify Timothy McVeigh as a suspect in the Oklahoma City bombing.

But being able to read body language to detect lies can be beneficial even if you're not conducting criminal investigations, he says.

The physical and emotional responses of the human body operate within all of us, Bouton says, and recognizing certain responses can help infer someone's lying.

To start, he says it's important to understand how the person in question normally acts.

"It's best to observe someone for a while as you make small talk or ask innocuous questions, in order to see what his usual reactions are, including tics he may have," Bouton says. "Then if he exhibits several lying indicators when you ask more pointed or suggestive questions, and these are not ones he previously performed, you can be confident that he's likely lying."

Here's some of the body language Bouton looks out for:

DON'T MISS: How to tell someone's lying to you just by watching their face

SEE ALSO: 12 body language tricks to use during a job interview

Wring hands



Ring fidget



Sweat



See the rest of the story at Business Insider

I just visited New York City after moving to San Francisco — here are the 5 things New Yorkers get right

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san francisco versus new york city

When I moved from New York City to San Francisco a year and a half ago, I traded the best pizza on earth for unbelievably good burritos. Eternal spring took the place of the four seasons. 

Some things about moving west weren't quite as sweet.

On a recent visit to the Big Apple, I remembered the things I missed most about living there. 

SEE ALSO: Forget Craigslist — I found an amazing apartment in San Francisco using Yelp

1. Walking where and when you darn well please.

The New York Police Department has issued an average of 450 jaywalking summonses a year since 2008, and you know what? Those "criminals" would probably tell you it was worth it.

New Yorkers show little regard for crossing the street at the appointed time or place. San Franciscans, on the other hand, wait on street corners until the light turns. It's the lawful thing to do — but incredibly inconvenient if you're stuck behind a stagnant pack.



2. Bagels.

The bagel, which the New York Times described in 1960 as "an unsweetened doughnut with rigor mortis," has outlasted one ridiculous food phenomenon after the next.

No one does it better than New York. While fans say it's something in the city water, the act of boiling the uncooked dough rings is more likely what makes them so chewy and dense.

When culture site SFist rounded up the best bagels San Francisco had to offer in 2013 (which were mostly baked, not boiled), it titled the article, "Bay Area's 5 Most Adequate Bagels." 



3. A better public transit system.

New Yorkers and San Franciscans have at least one thing in common: We both like to complain about public transit — despite living in the top two US cities for commuters.

New York's Metropolitan Transportation Authority still beats San Francisco's Municipal Transportation Agency in my book. In my experience, New York's subway system covers more ground and runs relatively on-time. San Franciscans rely on a network of transport that includes bus, subway (BART), and light-rail. It makes commuting much more complicated.

The City that Never Sleeps also has a subway that runs all night. BART tops out at midnight.



See the rest of the story at Business Insider

Take a tour of Cartier's glittery, jewel-filled mansion, which has special rooms for private shopping

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Cartier Mansion NYC 3735

Cartier's New York beauty is shining once again.

The French brand's flagship boutique in New York City reopened in September after two and a half years of extensive renovations.

The building, which dates back to 1905, was originally a six-story mansion home to the Plant family, and is situated on 52nd Street and 5th Avenue. As the area became the commercial corridor we know it as today, the Plants moved uptown and sold the house to Cartier in 1917.

Cartier refurbished the entire building with the help of renowned architect Thierry Despont. Wood paneling was refurbished, new chandeliers modeled after the originals were installed, and the 5th Avenue entrance was moved to the center of the building for symmetry purposes. The total square footage was expanded dramatically, going from 8,600 square feet to a whopping 44,100 square feet.

Cartier gave us a chance to see inside the mansion and take an up-close look at the precious items on display, some of which are worth millions and millions of dollars.

SEE ALSO: The most expensive home in San Francisco has sold for $21.8 million in the city's biggest sale of the year

DON'T FORGET: Follow Business Insider's lifestyle page on Facebook!

The Cartier Mansion is a six-floor former residence-turned-boutique located on the corner of 52nd Street and 5th Avenue in New York City. Anyone can tour the first four floors of boutique space, but the events space and roof deck above that are off-limits.



As soon as you enter the Cartier Mansion, the enormous scale is apparent.



This first entry room also showcases the latest and greatest of Cartier's collection, including a new southwest-inspired collection called Cactus de Cartier.



See the rest of the story at Business Insider

24 pairs of celebrities you had no idea were the same age

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lopez zellweger

The INSIDER Summary:

• These pairs of celebrities are the same age, though you'd never guess it.
• From actors to models, here's who looks younger (or older) than you think.



All celebrities are fabulously attractive, no matter their age — but it can be surprisingly tough to guess how old they really are. 

Case in point: Check out these 48 side-by-side snapshots of famous actors, musicians, and models. It's almost impossible to believe that each pair is the same age. 

Actors Paul Rudd and Matthew Perry are 47.

This quiz proves that it's nearly impossible to determine Paul Rudd's real age based on photos alone.



Actresses Halle Berry and Cynthia Nixon are 50.



Actors Dylan McDermott (of "American Horror Story") and Steve Carrell are 54.



See the rest of the story at Business Insider

14 habits of exceptionally likable people

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Napoleon Hill is the grandfather of self-help authors, inspiring the likes of Oracle founder Larry Ellison, media mogul Oprah Winfrey, and performance coach Tony Robbins.

His 1937 book "Think and Grow Rich" is one of the top-selling books of all time, with around 100 million copies sold worldwide. The simple reason it's sold so well is because his practical insights into how successful people carry themselves — primarily based on his many months spent interviewing the industrialist Andrew Carnegie — are timeless, straightforward, and useful

In one of his essays, "Develop a Pleasing Personality," as collected in "The Science of Success," he focuses in on how to have a "million-dollar personality."

Below, we've included Hill's 14 habits of people who are so likable that others go out of their way to help them.

SEE ALSO: What your handwriting says about your personality

It's often easier to give into cynicism, but those who choose to be positive set themselves up for success and have better reputations.



The best communicators speak deliberately and confidently, which gives their voice a pleasing sound.



Using a conversation as an opportunity to lecture someone "may feed the ego, but it never attracts people or makes friends," Hill says.



See the rest of the story at Business Insider

What $100 was worth in the decade you were born

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American women won the right to vote in 1920, a few months in advance of the national election that anointed Warren G. Harding president of the United States.

A lot has changed in the 95-plus years since then, including what a “Benjamin,” or $100 bill, can buy.

To illustrate how much the value of $100 has changed over the years, GOBankingRates used the Bureau of Labor Statistics CPI Inflation Calculator to determine what a $100 bill could buy in today’s world as its purchasing power changed over the decades.

Starting in 1920, see what $100 was worth the decade you were born.

SEE ALSO: 30 everyday habits that can help you build wealth

1920

Value of $100 in 1920: $1,196.30

What you can buy in 2016: 511 gallons of gas

In 1920, a $100 bill would be worth the equivalent of $1,196.30, and you could buy 511 gallons of gas at modern prices. The national average price for a gallon of gas on June 3 was $2.34, according to AAA.

Read: 10 Things You Never Knew About the $100 Bill



1925

Value of $100 in 1925: $1,367.21

What you can buy in 2016: 18 pairs of Nikes

These days, a mid-range pair of Nike running shoes cost consumers around $74.60, according to Numbeo. The inflation-adjusted equivalent of $100 in 1925 would allow consumers to purchase 18 pairs and take home some pocket change.



1930

Value of $100 in 1930: $1,432.70

What you can buy in 2016: 33 pairs of jeans

These days, a single pair of Levi’s 501s, or a comparable pair of jeans, will set buyers back about $42.38, according to Numbeo. That means you could purchase 33 pairs and have $37.46 — almost enough for another pair — to put in one of your many pockets.



See the rest of the story at Business Insider

I'm a financial planner and here are 6 unbelievably stupid things I see people do with money

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flying dumb falling stupidTwo months ago, I wrote a blog post about ways people pretend to have their money sh-t together, and I got a lot of responses from readers who loved it.

Apparently you all know people who are good at keeping up appearances … or maybe you just like when I include partially-obscured curse words in headlines?

Either way, I’d like to follow that post up with the sequel: all of the jaw-dropping, head-scratching things people do with their money. Believe me, I see these things all the time. And maybe a few of you have (ahem) committed some of them.

If so, you have nothing to be ashamed of. We’ve all taken well-meaning yet terrible advice from loved ones, and made mistakes out of ignorance, shame, or fear. And what matters most isn’t that you goofed — it’s what you learn from the error and do next.

Take it from me: I bought more house that I could afford at 21 (at the top of the market, no less!), but it was that experience that led me to become a financial planner. If you made a financial mistake, not only are you in good company, but it could lead to some positive changes in your life, too.

So, what is some unbelievably stupid sh-t I’ve seen people do with their money? Read on!

SEE ALSO: Every millennial should know these investing terms cold

1. They make early withdrawals from their retirement accounts

If you contribute to a 401(k) or IRA, pat yourself on the back. By starting your retirement savings at a young age, you’re on the path to a comfortable retirement.

Unless you withdraw money from those accounts for non-qualified reasons. Then you’re making bad decisions. Here’s why: any withdrawal you make before you turn 59½ is subject not only to income tax, but also a 10% penalty. So you get to pay a huge price while shortchanging yourself in the long term by not letting that money grow over a long time. Lose-lose.

You can make qualified early withdrawals for things like buying your first home, supporting yourself if you become disabled and can’t work, or funding education expenses. But before you touch that money, do your research.



2. They gift money to loved ones while struggling themselves

Many families have the expectation that older generations will be supported by younger ones, and 20% of Millennials help their parents out financially. I think it’s beautiful when families rally around to help each other out in times of need, but you should be realistic about what sum of money (if any) you can comfortably give.

Before gifting any money, set aside what you need to cover bills and debt payments, as well as savings for longer-term goals and retirement. If you have money left over and you’d like to spend it on helping someone out, at least your expenses are covered first.

As the saying goes, don’t set yourself on fire to keep someone else warm.



3. They go to grad school without a plan

Our generation was taught that higher education was a guaranteed path to success. How well has that worked out for us? That sound you hear are thousands of underemployed lawyers crying over their student loan balances.

Here’s the thing with grad school: certain fields require it, and if you’d like to work in those fields, you should probably go grad school. For everyone else, think long and hard before you sign up for six-figure debt and a few years out of the workforce.

You might find more success seeking out relevant work experience or taking a class or two on the side, rather than getting a master’s or PhD.



See the rest of the story at Business Insider

Photos of the vanishing Buddhist culture in the Indian Himalayas

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Indian Himalayas 1

Thanks to a major increase in tourism, the economy in small villages in the Indian Himalayas is skyrocketing.

And while some might consider that a positive for these remote towns, locals are faced with major changes that are chipping away at their traditional Buddhist culture, which has been a part of the region for centuries.

The photos below, taken by photographer Cathal McNaughton and titled "Tradition and tourism in the Indian Himalayas," show a small glimpse into a vanishing way of life.

Most of McNaughton's photos were taken in Leh, the largest town in the Ladakh region of the Indian Himalayas.



Despite its remoteness, Leh is a popular tourist destination. The travel agent in this photo said that tourism has increased substantially in recent years.



Most come to see the Stakna Monastery, which is perched on a hill and framed by mountains, about a half hour drive from Leh.



See the rest of the story at Business Insider

The 5 biggest mistakes small business owners make according to 'Shark Tank' stars

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“Shark Tank” has changed the outlook for many small businesses over its eight years on the air. That makes its stars some of the most knowledgeable people on earth when it comes to what makes or breaks small businesses and why they’re so important to the American economy.

“Small businesses are near and dear to my heart, both from the show and my personal experience,” “Shark Tank” star Robert Herjavec recently told Business Insider.

In addition to his "Shark Tank" duties, Herjavec has spent about a year working with Deluxe Corporation on “The Small Business Revolution,” which picks an American town and helps to turn around its local economy though supporting small businesses.

“I think that in America today, that is security: starting a business, being an entrepreneur is security,” he said. “The idea of getting a job at a big company and retiring on a pension — that’s long gone.”

But that doesn't mean being an entrepreneur is easy. Business Insider asked Herjavec and his “Shark Tank” costars what they believe to be the biggest challenges small businesses grapple with on the path to success.

Here are five big mistakes small business owners make according to the "Shark Tank" stars:

SEE ALSO: 'Shark Tank' is losing a lot of viewers — here's how the stars think it can turn around

DON'T MISS: 'Shark Tank' investor Barbara Corcoran weighs in on fellow real estate mogul Donald Trump

Small business owners have a problem with thinking big.

"The biggest challenge for a small business in a small town is the same as a small business in a big town: thinking big, being able to compete with large-scale competitors, and at the same time staying relevant," Herjavec said.

In order to get there, Herjavec suggests entrepreneurs look for strategic partners.

"People start a small business to do dry cleaning or be a bake shop, or to take care of dogs, or whatever their passion was," he continued. "And you’ve got to find that help, because if you can’t have a brand on a small town, you can’t have a brand on a global scale."



Thinking big doesn't mean getting a big head.

"Once a small business is up and running and entrepreneurs have a mini-hit on their hands, the biggest challenge is keeping the entrepreneur’s head on their shoulders," Barbara Corcoran told Business Insider. "There’s something about instant fame and quick success where people get a big head and you have to squeeze it in. That’s the biggest problem with my entrepreneurs."



Small business owners mistake successful crowdfunding campaigns with success.

"Small business owners have seen people create large amounts of revenue from crowdfunding, but they don’t see a lot of the backstories," Daymond John told Business Insider.

"If you were fortunate enough to have a large amount of people crowdfund your product, were you able to deliver to them afterward and deliver on that promise? Because after you sell that first piece, you have a lot of business to do after that," he said. "You can make anybody buy once, but can you do two, three, seven times? They think they just need a million dollars, but that’s just the beginning of their problems."



See the rest of the story at Business Insider

10 money lessons from professional athletes worth millions

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As Steph Curry and LeBron James duke it out in the NBA finals, there can only be one winner. Actually, scratch that. They both win…in their bank accounts. That might sound obvious—Curry is reportedly worth $27 million and James, $223 million—but it’s not.

There are plenty of examples of stars making millions and squandering it all: Mike Tyson, for one, famously declared bankruptcy after earning $400 million. Vin Baker earned $100 million playing basketball, and was last seen working at a Starbucks. And by one estimate, nearly 80 percent of former NFL players end up in dire financial straits two years after retirement.

So it’s far from guaranteed that rich athletes stay rich, which means there’s a lot to learn from how financially savvy pros like these 10 standouts handle their money.

SEE ALSO: 7 ways your credit score can affect your life

Steph Curry

This two-time NBA MVP is wildly popular for many reasons—hitting a record 402 three-pointers this year helps—but chiefly because his stardom was far from certain: The guard played for Davidson instead of a big-name college, and was later dramatically pilfered as an endorser from Nike by Under Armour for a mere $4 million. (Though some analysts think he’s worth $14 billion to the clothing company now.)

But true to his image, he’s remained grounded—and doesn’t complain that his “modest” $11 million annual salary makes him the fifth-highest Golden State Warriors player. Before signing his four-year contract in 2012, he carefully weighed his options: Pass, go into free agency and hope old injuries wouldn’t end his career, or sign, become a star and write his own ticket.

“I could’ve had a different perspective and said, ‘I want to get everything that I could get, wait it out, test free agency that next year’—and who knows what would’ve happened? For me, a $44 million contract was plenty for me to be able to provide for my family,” Curry told Yahoo Sports.

Since then, Curry’s made other key financial moves. In September 2015, his Under Armour deal was extended to 2024 and includes an equity stake in the company—which was probably his smartest shot yet.

The lesson: Play the long game. Pay your dues today to further your career (and plump up your bank account) tomorrow. Case in point: By some estimates, Curry’s poised to sign a new contract next year that’s worth $30 million per season.



LeBron James

This athlete needs no introduction, but here’s something you might not know: James signed a lifetime deal with Nike last year initially thought to be worth $500 million. Yet insiders suggest that figure is actually too low. The truth is that James is a multi-million-dollar business who just happens to play basketball. And he has his sights firmly set on becoming a billionaire.

James has always been a different kind of athlete. He cracked into the NBA as a teenager, skipping college and, from early on, displayed great business acumen. In his early 20s, he befriended Warren Buffett, hitting the genius investor up for advice. And in 2006, he set up an investment company named LRMR Marketing, and began structuring clever deals that included both cash and equity. (For example, his equity stake scored him at least $30 million when Apple acquired Beats headphones.)

“It’s impossible to get to a billion dollars by endorsement deals,” Maverick Carter, James’ longtime friend and LRMR partner, told CNNMoney. “The biggest deals only take you so far. It’s how you make money when you’re asleep that’s going to get you there.”

The lesson: It’s not your regular paycheck or side gig that’s likely to make you rich—but your investments and other passive income streams you create for yourself.



Marshawn Lynch

Marshawn Lynch spent the last several years as the running back NFL defenders hated to tackle. It wasn’t uncommon to see him carrying three, four, even five players for several yards down the field—and he largely carried the Seattle Seahawks to its first ever Super Bowl win in 2014. But his bruising style almost guaranteed an early retirement for the superstar—and sure enough, the man they call “Beast Mode” announced this offseason he would hang up his cleats at age 29.

How can Lynch be confident that his earnings can support him long-term? While he recently debunked reports suggesting he’s never spent a dime of his nearly $50 million NFL earnings, it’s clear he’s prioritized financial stability.

“If you came from eatin’ cereal with roaches in it before…you wouldn’t want to do that again, right?” Lynch asked Sports Illustrated’s Jon Wertheim in a recent interview. “Once you’ve seen the lowest of the low, you don’t want to go back.”

His strategy for hanging onto his cash is simple: “He lives like he’s broke…He still lives like, ‘Cuz, let me get $10.’ ‘Oooh, $10? Cuz, I don’t know. I don’t got it right now. How much is them? Oooh, $40? No, let me get the $15 ones,’” Lynch’s cousin, rapper Mistah F.A.B., explained. “[But] it’s a beauty because he shows us how to save money, how to keep things going, and he’s a symbol of hope for us.”

The lesson: Don’t spend money if you don’t have to—even if you can afford it.



See the rest of the story at Business Insider

This couple retired at 43 to travel Europe full time on $18,000 a year — here's the spreadsheet that helped them get there

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Julie Jason Buckley Ait Ben Haddon, Morocco

Jason and Julie Buckley have diligently tracked their pennies for years.

At first, it was part of their strategy to minimize everyday costs, pay off their mortgage, and invest in passive index funds. But eventually, the pair discovered they could afford to take up to two years off work to travel.

In 2011, the Buckleys set off to tour Europe and North Africa in their motor home, earning passive income from renting out their residential properties at home in Nottingham, England.

When their funds ran dry after two years, they returned to work — Jason as an IT project manager and Julie as a marketing manager — and quickly devised a plan to take their lives on the road full time.

Shepherded by meticulous spreadsheet estimates, they retired — both aged 43 — in September 2015 to travel indefinitely. They had about £30,000 (~ $36,800) in cash savings with the remainder of their net worth invested in rented-out residential property, private pensions, and investments including ETFs and bonds, Jason told Business Insider in an email.

"We developed a strategy to avoid living off savings. In theory, and in practice so far, our savings will increase over time," he said. Currently, the couple lives off of cash flow from investments — rental income, dividends, and interest — as well as advertising and book sales on their travel blog, which they spend just two hours a day maintaining.

Thanks to the low costs of living in a motor home, which enables them to visit expensive countries "for a fraction of the cost," their budget is a modest £15,000 (~ $18,400) a year. "We've tracked our spending for so many years it's almost become second nature, knowing how much we can spend, but still we track where the money's going to the nearest cent," Jason said.

Jason and Julie Buckley

The Buckleys have been traveling nonstop for 10 months now, though they keep a room in one of their homes open for intermittent returns.

"Our latest tour ... took us high into the French and Italian Alps for winter, down to the beaches of Croatia, up through the old ex-Soviet countries to Finland, further North to the top of mainland Europe at the North Cape in Norway, down the fjords and over to Sweden then Denmark," Jason said. "We're currently heading home for a short time before turning South for Spain and Morocco for the winter."

Jason said the couple occasionally discusses taking on full-time work, but hopes to continue traveling well into the future.

"The sensation of freedom is intense, once attained, and giving it up again isn't easy!" he said.

Below, Jason and Julie share the spreadsheet models they used for reaching financial independence and planning for their years in retirement. These spreadsheets do not include the Buckley's exact figures, but instead represent the formula they used to achieve early retirement and how they plan to sustain it for decades to come.

Access a test copy of the Buckleys' spreadsheet to follow along, or to make a copy of your own.

SEE ALSO: How one 26-year-old banked nearly $150,000 in savings as part of a plan to retire by age 37

DON'T MISS: A man who retired at 34 shares a spreadsheet that helped him get there

1. Variables

In this sheet, the Buckleys list their variables, which allows them to adjust for changes in things like cost of living. 

Jason's and Julie's assets and income are evenly split between them to make the most of the UK tax-free income threshold. "Since we don't have a high income, tax should be negligible for the first decade or so. After that we'll pay income tax and when we sell assets, some capital gains tax," Jason said.



2. Income and expenditure

This spreadsheet, which lists their income and expenses, represents the viability of retiring early, Jason said. The row labeled "variance" at the bottom indicates what should be left from income streams after paying living expenses.

The numbers here are for example purposes only, and don't reflect the Buckleys' own finances.

"On our version of the spreadsheet the numbers are green, but they only turned green once we'd built up enough passive income and reduced our costs," Jason said. For example, last year their expenditures were £7,000 (~ $8,554) below their income, part of which came from "one-offs" like selling a car.

"We could easily get our costs down to less than £10,000 (~ $12,200) a year doing this, but we'd miss out on too much," Jason said.

The Buckleys have 11 years until their private pensions — essentially the UK version of a 401(k) — will start paying out. The amount will increase when they reach age 67, although Jason says they'll only be eligible for partial state pensions, comparable to social security in the US.

To cover expenses prior to that, they've invested in residential property, shares, and roof-mounted solar panels, which generate government-paid feed in tariff payments. To maintain passive income from the rented-out properties, the Buckleys pay local management agents to service their tenants.

Jason and Julie are UK residents, so the national health service will cover any costs related to health, Jason said.

For both this sheet and the next, the Buckleys include estimations through age 85 in the year 2057.



3. Net worth

This spreadsheet represents how much the Buckleys would have in cash if they sold everything they own and paid off all liabilities. The model at the bottom shows how many years they could live for if they "liquidate everything and just started burning through the cash."

But, Jason said, for the next decade they plan to restrict themselves to just living on the cash flowing from investments and ignore any capital or market increases in the value of properties, pensions, and shares.

"At some point we'll need to increase our spending rate significantly in order to ensure we die broke, as we have no children to leave money to," Jason said. "In other words, instead of taking a 'pay cut' when we hit 'retirement age,' we'll get a pay increase."

If you're aiming to achieve early retirement, Jason and Julie suggest educating yourself financially and putting your plan on paper, tracking spending and cutting all unnecessary costs, and investing.

"As your costs come down, and income from your investments gets re-invested in more investments, at some point you will experience the bewildering and joyful moment when your wealth starts to spiral upwards," Jason said. "At that point your freedom is all but inevitable."



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'What's the forecast today? Steel Rain': Powerful true-war stories told in 6-word poems

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The "Six-Word War" project is the first crowdsourced war memoir collecting experiences from veterans of the Iraq and Afghanistan wars.

In six-word poems, veterans describe the complexities of modern warfare in their own words.

The results are at times humorous, agonizing, reflective, and profound.

Submissions for "Six-Word War" are accepted on Tumblr, Facebook, and #SixWordWar.

Here's a selection of 21 powerful poems from the "Six-Word War" memoir.

SEE ALSO: 21 stunning photos prove the US Navy and US Marine Corps have the best diving boards and swimming pools

"What's the forecast today? Steel Rain."

Source: @JohnRegan12



"General, sir, we shouldn't go outside."

Source: sixwordwar.com



"I'll never be this cool again."

Source: sixwordwar.com



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12 high-paying jobs college students can do in their spare time

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You don't have to wait until you have a degree to get a job and start paying off your college debt.

The key to finding a part-time job for a busy college student is to look for high-quality positions with a flexible schedule that are from a trustworthy source, says Brie Reynolds, a senior career specialist at FlexJobs.

"There are a lot of scams in work-from-home jobs, so college students should be aware of them and be cautious when searching," she explains.

To get you started, here's a list of 12 high-paying part-time jobs for college students from FlexJobs:

Natalie Walters contributed to a previous version of this article.

SEE ALSO: 10 high-paying jobs you can do on the side

Freelance writer

Pay: Up to $55 an hour

Description: Writers work as employees or freelancers and must have excellent writing and editing skills, as well as the ability to work under deadlines. Depending on the writing job, a writer will be responsible for creating specific and focused content in one or more subject areas.



Content editor

Pay: Up to $40 an hour

Description: Working with a style guide, content editors ensure accurate grammar, spelling, and quick turnaround with sometimes high volumes of content to edit.



Online researcher

Pay: Up to $37 an hour

Description: Online researchers support business professionals by researching questions to deliver clients with high quality answers and personable explanations. Excellent research skills and the ability to find quality content are a must. Expertise in certain areas as well as general knowledge of business is desired.



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Flight attendants share the 21 things they wish passengers would stop doing

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Singapore airlines flight attendant

We all have annoying habits, and travel tends to bring out the worst in people.

If you have any sympathy for your flight attendants, who, day in and day out, are privy to some of the most extreme human behavior, you'd make an effort to avoid them.

The first step is knowing just what you're doing wrong.

Luckily for you, we asked flight attendants everywhere to share the annoying things they wish passengers would stop doing, and more than 60 were happy to chime in.

Here are 21 things you may not have even known you were doing wrong:

DON'T MISS: Flight attendants share 22 things they'd love to tell passengers but can't

SEE ALSO: Here are some of the most bizarre things flight attendants have seen in their line of duty

Hogging the overhead bins

"Put the suitcases in the overhead and put your small bags underneath the seat in front so we don't have to run out of space and have to check bags."

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Not saying hello

"I wish passengers would acknowledge the crew when they board."



Poor timing

"Stop trying to hand us trash on the beverage cart or asking us to take your trash while we're handing out food."



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These amazing photos show how American women took over the workforce during WWII and changed the face of US labor

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We Can Do It! Rosie the Riveter"We can do it!"

That's the slogan that appeared alongside fictional icon "Rosie the Riveter" during the famous WWII-era advertising campaign targeted toward American women on the home front.

"Rosie" was just one part of the US propaganda effort to encourage women to take on traditionally male-dominated occupations — especially in the field of war supply production — as mass conscription depleted the workforce.

The message took hold. By 1945, almost one out of four married women worked outside the home, according to History.com. However, once peace was restored, many women found themselves ousted from their wartime jobs.

Here are pictures of some of the real life women who helped make the war effort possible, all taken from 1941 to 1943. These images and captions are all courtesy of the Library of Congress.

SEE ALSO: Hitler's secret Nazi war machines of World War II

Assembly and Repairs Department supervisor Virginia Young (right) lost her husband during the attack on Pearl Harbor. She watches as Ethel Mann (left) operates an electric drill.



Former housewife Lucile Mazurek assembles black-out lamps at Heil and Company in Milwaukee, Wisconsin.



Riveters work on a Liberator Bomber fuselage.



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The 5 best new songs you can stream right now

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David BowieNow that new music comes out every Friday — though not always on every streaming service — it can be hard to know where to find the next great song.

To help you out, Business Insider compiles this rundown of the best new music you can stream right now.

This week, unreleased David Bowie tracks premiered, and The Rolling Stones released a new single from their upcoming blues covers album. 

Check out this week's best new songs:

SEE ALSO: The 5 best songs to stream from the week of October 14

The Rolling Stones — "Hate to See You Go"

Mick Jagger's spirited vocals and harmonica playing lead The Rolling Stones' new interpretation of "Hate to See You Go," a 1955 blues classic by Little Walter. "Blue & Lonesome," the first Stones album in 11 years, will be out December 2.  

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Justice — "Alakazam !"

The eerie and frenetic third single from French electronic duo Justice's upcoming third album "Woman" would fit equally well in a horror movie or a car-chase scene. 

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Isaiah Rashad and Goldlink — "Untitled"

Kendrick Lamar labelmate Isaiah Rashad and D.C. rapper Goldlink trade laid-back verses over a minimalist beat on their love-centric track.

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If you're looking for the perfect first car, you should check out the Mazda CX-3 'cute-ute'

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Mazda CX-3

We call 'em "cute utes," and they're increasingly all the rage. What are they? Subcompact crossover SUVs, the 21st-century version of the "econo-boxes" of the late 20th century — minus the box, but with lots of econo.

They're also fairly adorable, wittle smushed-down SUVs that don't resemble that 1990s hatchback, which screamed "college student" or "first job." Hence the cute before ute.

We may be looking at a paradigm shift in the auto industry in the US, as carmakers abandon passengers cars — and small cars in particular, with their skimpy profit margins — and focus on SUVs and crossover. If that's happening, then car companies don't want to lose out on their youngest potential customers. It can be difficult to "conquest," say, a Honda Civic buyer if Honda has perfectly good small SUVs to move them into.

So start them with a cute ute instead!

But which one? Well, that's an easy question to answer. You aren't going to find a better subcompact SUV than the Mazda CX-3.

Here's why:

SEE ALSO: The $70,000 Grand Sport is the greatest Corvette ever

Behold, the 2017 CX-3: Grand Touring trim level, all-wheel-drive, "Dynamic Blue Mica" paint job.



Our test car tipped the cost scales at $28,500, and it had pretty much everything you could ask for (and pay for off the options lists). The base front-wheel-drive version can be had for only about $20,000.



I've owned three Mazdas (a Miata, a pickup, and a subcompact) and have always liked their looks: snappy without being too attention-getting. The CX-3 is no exception. It's definitely not large, but it doesn't appear to be a massive compromise on the proportions of a larger compact crossover. Mazda currently sells two other crossovers in the US: the CX-5 and the CX-9.



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The 18 private colleges where students go on to earn the most money

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hbs harvard business school graduates international

Private colleges tend to be more expensive than their public counterparts.

However, at the following schools, the payoff is worth the extra cost.

PayScale, the creator of the world's largest compensation database, recently looked at the starting and mid-career pay for over a million college grads — including professionals who graduated with a bachelor's from 963 colleges and universities.

For its College Salary Report, which was compiled using data from employees who successfully completed PayScale's employee survey, PayScale sorted the results by college major, degree, college, and type of school.

Students with a bachelor's degree from these private colleges go on to earn the highest salaries 10-plus years into their career:

SEE ALSO: 25 college majors with the highest starting salaries

18. Wabash College

Early career median pay: $59,000

Mid-career median pay: $121,000

Alumni who believe their work makes the world a better place: 55%

Undergraduate enrollment: 926



16. (tie) Williams College

Early career median pay: $54,900

Mid-career median pay: $122,000

Alumni who believe their work makes the world a better place: 56%

Undergraduate enrollment: 2,072



16. (tie) Santa Clara University

Early career median pay: $62,500

Mid-career median pay: $122,000

Alumni who believe their work makes the world a better place: 49%

Undergraduate enrollment: 5,486



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