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14 signs you have what it takes to become a millionaire

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wealthy fashionable umbrella

Most everyone wants to become rich.

According to my Rich Habits research, being rich eliminates 67% of the problems that plague most people. So, besides being able to buy that house by the beach, snag a Rolex watch, or travel to exotic places, being rich means fewer problems in life. Fewer problems equals less stress. Less stress equals a healthier and happier life.

There are 14 signs from my research that can lead to success and wealth. If you possess all 14, your chances for becoming rich increase substantially:

SEE ALSO: 5 years of studying rich people taught me they have a set of unwavering beliefs that the rest of us don't

You are pursuing a dream or major purpose in life

Eighty percent of the self-made millionaires in my Rich Habits Study were pursuing some dream or major purpose in life.



You read to learn every day

You are a voracious reader. You read to learn every day. Often hours every day. Eighty-eight percent of the rich in my study read 30 minutes or more every day strictly to learn and educate themselves.



You think like an owner

You have an owner mindset. You think bigger. You have a big vision. You take ownership in everything you do. Ninety-0ne percent of the rich in my study were decision-makers.



See the rest of the story at Business Insider

10 terrifying predictions from 'Black Mirror' that could become reality

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black mirror entire history of you

Saying a TV show is "so good it's scary" is usually a figure of speech. With Netflix's hit sci-fi drama "Black Mirror," it takes on a far more literal (and terrifying) interpretation.

"This is futurism for futurists," says Dylan Hendricks, program director of the Ten-Year Forecast at the Institute for the Future, a research organization devoted to providing foresight about the world in the coming years.

Part of what makes "Black Mirror" so unsettling is that its episodes take place in worlds that could easily pass for our own, save for some leaps in technology.

Curious just how big those leaps might be, Business Insider spoke with Hendricks about which of the show's 13 episodes are closest to becoming reality.

Here are the 10 that may be closer than we think.

Warning: Spoilers ahead for "Black Mirror."

SEE ALSO: The one episode of Netflix's mind-bending 'Black Mirror' everyone needs to watch

"The National Anthem"

Not every episode of "Black Mirror" explores a brand-new dystopia-creating technology; some take existing technology and apply it in disquieting ways.

In the pilot episode, terrorists threaten to kill a hostage unless the British prime minister has sexual intercourse with a pig on national television.

"I can't think of anything that wasn't realistic," Hendricks says. At least from a technology perspective, "it's totally possible." (It also may have actually happened, if the stories about former PM David Cameron's university antics are true.)



"Fifteen Million Merits"

The second episode in the series imagines a distant future in which people must pedal on stationary bikes to power their building and earn currency ("merits") for food and entertainment.

Hendricks says the episode rethinks the entire nature of society based on the trend of "freemium" mobile games, create feedback loops of desire that keep people coming back for more. He says this episode is the one his colleagues find most satisfying to watch because it takes a real-world phenomenon to its most extreme.

"This is a very different alien society than the one we live in," he says, "and one that has taken our phones and turned them into the built environment."



"The Entire History of You"

In this episode, the show imagines what might happen if people could record every waking moment of their lives and rewatch the memories whenever they wanted. The device is called a "grain." 

Hendricks acknowledges no such technology is capable of tapping into memories so directly, but we seem to be inching toward such a future with devices like Snap Inc.'s Spectacles   camera-equipped sunglasses that can record up to 10 seconds of video.

Hendricks says the only leap the episode makes is saying the technology will get cheaper, better, and more widespread.



See the rest of the story at Business Insider

Heidi Klum's Halloween party is one of the hottest tickets in town — here's what it's like inside

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It's no secret that Heidi Klum's favorite holiday is Halloween — she's been crowned the "Queen of Halloween" because of the incredible costumes she comes up with each year.

The supermodel has hosted epic costume parties for those within the fashion and entertainment industry for the past 17 years, and she has always dressed to impress.

This year was no different. The star-studded party was hosted at New York's hottest "clubstaurant," Vandal, and the costumes did not disappoint. Scroll ahead to take a look at the night's best costumes.

SEE ALSO: Take a look inside New York City’s hottest Halloween party, a masquerade ball where guests paid $300 just to get in

DON'T MISS: 25 photos that prove Heidi Klum is the queen of Halloween

This year, Klum technically dressed up as herself, but she added five look-alikes who had prosthetic makeup done to look exactly like Klum. Together, they were clones of the supermodel.



The "sextuplets" got ready at a $16 million penthouse that had magnificent views of the Manhattan skyline. Booking.com and Douglas Elliman Real Estate let her borrow the penthouse for the night.

Source: Booking.com



Before Klum arrived with her entourage, guests began gracing the red carpet at Vandal. Actress Gabrielle Union arrived dressed like a race-car driver.



See the rest of the story at Business Insider

The 18 companies where employees are happiest with their vacation and paid time off

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Beach Nature Water Vacation

The holiday season is quickly approaching, and you may be thinking about taking some time off.

But perhaps you've already used up all your days. Or maybe you're trying to plan a very long vacation to avoid losing any of your paid time off.

As it turns out, employees at some companies rarely find themselves in these predicaments because they're afforded ample vacation time, or their unused days roll over to the next calendar year.

To find which companies have some of the best vacation and paid time off (PTO) policies, Glassdoor did some digging.

Using thousands of reviews shared by employees, the careers website just released a new list of the 25 Highest Rated Companies for Vacation and Paid Time Off.

Below are the top 18. Click here to see the complete list.

SEE ALSO: 26 high-paying jobs for people who don't like stress

18. Intel

An innovator in cloud computing, data, Internet of Things, and PC solutions, this Santa Clara, California, tech company offers more than just its well-known processors.

Vacation and paid time off rating: 4.3/5

Company rating: 3.7/5

Intel employees report receiving 3-4 weeks of vacation each year. Employees say the company's "paid sabbatical program is great"— the program can allow workers to take four weeks of paid time off every four years or eight weeks every seven years.



17. Federal Express

Based out of Memphis, Tennessee, Fedex is a major global transportation provider, delivering over 3.5 million packages daily to over 220 countries.

Vacation and paid time off rating: 4.3/5

Company rating: 3.7/5

Paid vacation days can add up for employees at FedEx, who say the company is "very generous with their paid time off." Employees say they start with two weeks of PTO, which goes to three weeks after the first five years, and four weeks after 10 years.



16. Nokia

Nokia is a global communications and information technology company based in Nokia, Finland, with offices worldwide.

Vacation and paid time off rating: 4.3/5

Company rating: 3.7/5

Nokia employees say they get a "generous amount of time off." After several years on the job, employees report they can accrue up to four weeks of vacation time per year, in addition to sick days and holidays.



See the rest of the story at Business Insider

The top 25 tourist attractions in the US right now

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Arches National Park Utah

Touristy spots are popular for a reason.

Seasoned travelers may roll their eyes at the crowds and cameras, but there's something gloriously patriotic about people coming from all over to see what America has to offer.

According to TripAdvisor's Attractions Travel Index, here are the top 25 spots in the United States that people can't get enough of right now. Don't forget your selfie stick.

25. Wings Over the Rockies Air & Space Museum – Denver, Colorado

Year-over-year search traffic increase: 133%



24. The Island – Pigeon Forge, Tennessee

Year-over-year search traffic increase: 134%



23. Extranomical Tours – San Francisco, California

Year-over-year search traffic increase: 135%



See the rest of the story at Business Insider

I'm a financial planner, and here's what I tell my 30-something clients

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wealthy friends walking new york city

When you’re first getting your financial act together, the advice you’ll get pretty much boils down to:

  • Create a budget
  • Build up emergency savings
  • Pay down debt
  • Contribute enough to your 401(k) to get a company match, and fund a Roth IRA as well if you can

You built up a solid career, got out of debt, started saving for retirement…in short, you’re doing everything right.

Congratulations! You’ve just graduated from Adulthood 101: Surviving the Cereal-For-Dinner Years.

Welcome to Adulthood 201: More money, more problems

Your life is more complicated than it was when you were 22. Now you’re 32, and you might own real estate — or you might be married (or plan to get hitched soon). Perhaps you even have a child (or plan to add to your family in the next few years). And your parents are getting a little older, so you’re preparing to help with their care one day.

Just yesterday, it seems, you were chasing the best happy hour deals. Now, you and your friends chat about the best local school districts. Are you just one bad decision away from wearing Mom Jeans?

Never! (Listen, there’s no excuse for Mom Jeans.) I’d be happy to guide you into the next phase of keeping your financial life healthy. Now that you have some assets, there are many ways to make your money work harder. You have the power to build serious wealth in your 30s and beyond.

SEE ALSO: I'm a financial planner, and here's what I tell high-earning clients who want to enjoy their money while still building wealth

Up the retirement ante

If you’ve been contributing just enough to your 401(k) to get the company match, and fully funding your Roth IRA each year, you are awesome. But I’m going to challenge you to contribute beyond the minimum to get company match.

Look at your take-home pay and subtract necessary monthly expenses. If you have money left over, use some of that to up your 401(k) contributions even more.

Why focus on this account? Boosting contributions works for you in two ways. First, money you contribute to your 401(k) is pre-tax, so the more you contribute, the less you pay in taxes. Second, more money + time + compound interest = your retirement savings growing exponentially faster whenever you contribute more.



Save more aggressively

If you’re right in the sweet spot of earning a good salary and not having too many financial responsibilities yet, now is the time to save aggressively toward your short-term goals. If you know you’re just a few years away from homeownership, wedding planning, and having kids, save more than just the recommended 10% of your salary.

10% of your gross income should serve as a baseline to get you started with saving. But you’re ready to move up to the next level — which means it’s time to up your savings game, too. Now is the time to consider 15% to 20% of your gross income as your new minimum.

If you plan to use this money in the next five years, keep it in a savings account that earns you some interest, but allows you quick access to your cash.



Take stock

If you have money available that you don’t plan to spend for at least five years, consider investing it. If you’ve never bought stocks or funds beyond your retirement accounts before, this can be intimidating. But there are some easy entries into the world of investing.

Start with low-cost index funds or Exchange-traded funds (commonly called ETFs). Funds are a great way to diversify your investments quickly — and not putting all your eggs in one basket is a great strategy for minimizing overall risk.

But don’t go into investing blindly. Keep an eye on fees when you’re picking investments. Look at a fund’s expense ratio, which is a percentage that indicates what fee you’ll pay per $10,000 you invest. There are options out there that will cost you less than $10 per $10,000 invested.

Also look for no-load funds, which don’t charge you a commission when you invest. By sticking to low-fee investments, you can grow your investments without spending a lot to do so.



See the rest of the story at Business Insider

15 classic movies you can stream on the new Netflix competitor for film fans

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The Player Fine Line Features

If you've been waiting patiently for hard-to-find movies from Stanley Kubrick and Akira Kurosawa to finally be available to stream, wait no more — FilmStruck is here!

The new streaming service developed and managed by the cinephiles at Turner Classic Movies, FilmStruck will provide hundreds of classic Hollywood, indie, foreign, and cult hits on a subscription basis. Available titles include Charlie Chaplin's "The Gold Rush," Kurosawa's "Rashomon," Kubrick's "The Killing," and Robert Altman's "The Player." 

It will also provide the largest streaming selection of Criterion Collection titles (and the company's incredible special features). 

FilmStruck just went live Tuesday. Prices vary: $6.99 per month for FilmStruck; $10.99 per month for FilmStruck and Criterion Channel; $99 per year for the annual subscription to FilmStruck and Criterion Channel.

Here are 15 classic titles that you can stream right now (with the FilmStruck/Criterion Channel package):

SEE ALSO: The 50 best TV shows of all time, according to critics

1. "The 400 Blows" (1959)

Director François Truffaut's semi-autobiographical look at his childhood in Paris is a pillar of the French New Wave, which still inspires filmmakers to this day. In it, then-unknown 14-year-old Jean-Pierre Léaud plays Antoine Doinel, a misfit running around Paris whose troublemaking often goes unpunished.



2. "Blood Simple" (1984)

The directorial debut of the Coen brothers ("The Big Lebowski,""No Country for Old Men") is a gritty neo-noir that showcases many of the hallmarks the duo would master in their movies to come. From the camerawork to the writing, there's a lot to love about this movie.



3. "Breathless" (1960)

A year after the release of "The 400 Blows," Jean-Luc Godard would add to the French New Wave with his classic debut. Following a thief who is wanted by the police and the American girl he tries to run away to Italy with, the movie's use of dramatic jump cuts was revolutionary for the 1960s.



See the rest of the story at Business Insider

The best fried chicken in America, ranked

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Willie Mae's Scotch House Fried Chicken

When it comes to comfort food, it doesn't get much better than fried chicken.

We asked Yelp to help us find the best fried chicken across the country.

To create this list, Yelp took several things into consideration:

• A restaurant's number of reviews and its star rating
• Reviews and photos that mention fried chicken

From Franklin, Tennessee, to Los Angeles, California, here are the 21 spots known for their delectable fried chicken.

21. Julia Belle's Restaurant, Florence, South Carolina

"This is a great find. We just had the fried chicken and it's fabulous. Light on breaking and lightly fried, not greasy. The chicken was moist inside and crispy outside."- Yelp user Mary Ann Keogh K

Click here to learn more about Julia Belle's >



20. Mike's Chicken, Dallas, Texas

"If you're expecting down right good food and amazing fried chicken at the best price you can imagine, go to Mike's. It takes them 20 minutes to make the fried chicken but only because they are making it on the spot and it's fresh as can be. Crispy and not too oily." - Yelp user Sylvia A

Click here to learn more about Mike's >



19. WingBucket, Richardson, Texas

"Excellent service, huge portions, and delicious flavors."- Yelp user John P

Click here to learn more about WingBucket >



See the rest of the story at Business Insider

Artist envisions what Disney villains would look like in real life

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Jafar Aladdin animated Disney

Finnish artist Jirka Väätäinen has an ongoing illustration series titled "Real Life Disney." From Princess Jasmine to an incredible rendering of ArielVäätäinen has captured the best human qualities of dozens of Disney characters. 

"The project actually started back in 2011 and I've been adding to the series ever since," Väätäinen told INSIDER in an email. "And for this new set, I thought Halloween and this time of the year was a good excuse to find time for it again."

Scroll down for a look at five spooky Disney villains reimagined as real people. 

An excellent new addition was Hans — the arch nemesis in "Frozen."



Here's Väätäinen's take on the evil prince:



"[The villains] are such over-the-top characters so it's interesting to try and portray their larger-than-life personalities in a still image, and try to make it somewhat realistic," Väätäinen says.



See the rest of the story at Business Insider

Here's what people say about working at AWS, Amazon’s profit-pumping $12 billion cloud business (AMZN)

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Werner Vogels, Amazon.com chief technology officer, speaks at the AWS Re:Invent conference at the Sands Expo in Las Vegas, Nevada November 29, 2012. REUTERS/Richard Brian

Most people know Amazon as the online shopping site that sells everything from books to fresh groceries.

But the real growth-driver behind Amazon is its cloud business called Amazon Web Services (AWS), which is on pace to hit over $12 billion in annual revenue.

AWS is now Amazon's most profitable and fastest-growing business. At this rate, it may also become one of the most popular workplaces for engineers.

We looked through Glassdoor, Quora, and other sources to see what people say about their experience working at AWS.  

SEE ALSO: 9 simple ways to start a conversation with strangers at awkward networking events

AWS did $3.2 billion in revenue last quarter, up 55% year-over-year. That's only 10% of Amazon's total revenue ($32 billion), but AWS is the company's most profitable business with an over 30% operating profit margin.



When you're growing that fast, work could get overwhelming. That means some people are required to be on late on-call duty, while working long hours.

"Being on a fast growing service, work can be intense sometimes and on-call can be hectic."— Manoj Kumar, Software Engineer at AWS Elasticache



Still, AWS seems to keep a flexible work culture so people can maintain a good work-life balance.

"Despite what old reviews might say, you can, in fact, have work life balance at Amazon. I have two children under the age of 5, my spouse works, and we have a life. Moreover, Amazonians are there to help you learn how to find that balance."— Glassdoor



See the rest of the story at Business Insider

11 mistakes standing between you and your first million

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I've been a millionaire three separate times in my life. The first time I saw $1,000,000 in my bank account, I almost fainted. Even though I knew it was hitting my account, it still caught me off guard.

Becoming a millionaire isn’t as far-fetched as you would believe. With dedication, patience and focus, becoming a millionaire is completely obtainable. If I can do it, anyone can.

The hardest part? Actually reaching your first million. After that, everything else falls in place. But why is it so difficult to reach your first million? I find that most people are pretty close, but hold themselves back with the following mentalities:

SEE ALSO: 7 signs you're rich, even if it doesn't feel like it

1. You’re not thinking the right way

As Napoleon Hill discovered in his landmark 1937 book “Think and Grow Rich,” wealthy individuals think differently than the average person. After interviewing 1,200 of the wealthiest individuals in the world, self-made millionaire Steve Siebold agrees with Hill’s findings. They include:

• The rich believe poverty is the root of all evil.
• Selfish can be a virtue.
• They have an action mentality.
• The rich acquire specific knowledge.
• They dream about the future.
• They follow their passion.
• The rich enjoy challenges.
• They use other people’s money.
• Millionaires focus on earning, not saving.
• They know when to take risks.

In short, if you want to become a millionaire, start changing the way you think about money and success.



2. Being too concerned about perfection

Here’s one of the most important and valuable lessons I’ve learned in life -- nothing is perfect. The sooner you accept that, the sooner you can move forward, instead of being stuck in one place.

Related: 10 Ways You Can Model the Success of Millionaires

If you’re starting a business, the more time you spend perfecting your product or service, the more time your competitors have to tap into your market and take away potential customers. Don’t hesitate to experiment. Get to market as soon as you can. You can always work out the kinks later while you’re still making a profit.



3. Spending everything you make

You just received a fat six-figure check. It’s tempting to go out and buy a luxury car. The thing is, wealthy people know how to live below their means, as opposed to spending everything that they just made. Many wealthy people, like Warren Buffett, live in modest homes and drive practical cars.



See the rest of the story at Business Insider

19 billionaires who were once dirt poor

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Not every billionaire was born with a silver spoon in their mouth.

In fact, many came from nothing at all.

The "rags-to-riches" trope may be a cliché, but it's one that's definitely grounded in reality.

Through extraordinary grit and perseverance, individuals across the globe have beat the odds and achieved their own rags-to-riches stories.

Here are 19 people who started off life poor and went on to become billionaires:

SEE ALSO: 26 weird jobs famous people had before making it big

DON'T MISS: Brothers share what it was like quitting their corporate jobs to sell ties on the beach and cofound Vineyard Vines, a company worth nearly $1 billion

Starbucks' Howard Schultz grew up in a housing complex for the poor

Net worth: $2.9 billion

In an interview with the Mirror, Schultz says: "Growing up I always felt like I was living on the other side of the tracks. I knew the people on the other side had more resources, more money, happier families. And for some reason, I don't know why or how, I wanted to climb over that fence and achieve something beyond what people were saying was possible. I may have a suit and tie on now but I know where I'm from and I know what it's like."

Schultz ended up winning a football scholarship to the University of Northern Michigan and went to work for Xerox after graduation. Shortly after, he took over a coffee shop called Starbucks, which at the time had only 60 shops. Schultz became the company's CEO in 1987 and grew the coffee chain to more than 16,000 outlets worldwide.



Born into poverty, Oprah Winfrey became the first African American TV correspondent in Nashville

Net worth:$2.9 billion

Winfrey was born into a poor family in Mississippi, but this didn't stop her from winning a scholarship to Tennessee State University and becoming the first African American TV correspondent in the state at the age of 19.

In 1983, Winfrey moved to Chicago to work for an AM talk show which would later be called "The Oprah Winfrey Show."



Montpellier rugby club president and Entrepreneur of the Year Mohed Altrad survived on one meal a day when he moved to France

Net worth:$1.03 billion

Born into a nomadic tribe in the Syrian dessert to a poor mother who was raped by his father and died when he was young, Altrad was raised by his grandmother. She banned him from attending school in Raqqa, the city that is now capital of ISIS.

Altrad attended school anyway, and when he moved to France to attend university, he knew no French and lived off of one meal a day. Still, he earned a PhD in computer science, worked for some leading French companies, and eventually bought a failing scaffolding company, which he transformed into one of the world's leading manufacturers of scaffolding and cement mixers, Altrad Group.

He has previously been named French Entrepreneur of the Year and World Entrepreneur of the Year.



See the rest of the story at Business Insider

26 famous movies that almost didn't happen

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The lavish lifestyles of Hollywood’s more famous actors and filmmakers may hint at a world of glamour and cash, but as this list proves, the process of actually putting a movie together is rarely a dignified process.

What follows is a lengthy catalogue of ill-advised location choices, tantrums, dreadful acts of God, spiked bowls of soup, dangerous lions, bruised egos, broken bones and shattered dreams.

For the prospective filmmaker, this article could be read as a cautionary tale of just how badly wrong a production can go – though in order to keep the tone relatively light, we’ve excised those film productions that ended in tragedy (you’ll have to look elsewhere to discover the sad stories behind Twilight Zone: The Movie and The Crow).

Nevertheless, we suggest you pour yourself a strong drink before delving into the following accounts…

SEE ALSO: The best TV show of every year since 2000, according to critics

The Wizard Of Oz (1939)

Now rightly regarded as a classic, the glittering quality of MGM’s The Wizard Of Oz gives little clue to its fraught production process. Although Victor Fleming is widely credited as director, no fewer than five other directors were involved at various points in its making. Similarly, its script was credited to Noel Langley, Florence Ryerson and Edgar Allan Woolff (such a fabulous name), but 17 writers had an uncredited hand in it, among them poet Ogden Nash.

The script was finally completed in late 1938, and shooting commenced. It was chaos. Directors were hired and then quickly relieved of duty. Tin Man actor Buddy Ebsen had to be replaced because he was allergic to his aluminium make-up, and was replaced by Jack Haley. The dog who played Dorothy’s loyal companion, Toto, misbehaved, resulting in ruined take after ruined take. Margaret Hamilton, who played The Wicked Witch of the West, was burned during the filming of a Munchkinland scene.

Even after the shoot was complete, the troubles continued. Various scenes had to be reshot, and when a two-hour version of the movie was shown to test audiences in June 1939, there were complaints that it was too long.

Miraculously, The Wizard Of Oz’s nightmarish production difficulties were never apparent on the big screen – and unlike some other films on this list, it remains a timelessly entertaining fantasy.



Cleopatra (1963)

Cleopatra was big. Its stars were 60s icons, its sets were huge, its budget vast. In fact, when its budget is adjusted for inflation, the film remains the most expensive ever made.

Remarkably, Fox had only planned to spend $2 million on making Cleopatra– a rather optimistic figure in hindsight, given that the production managed to burn through $4 million before a single frame had been shot. Liz Taylor was given $1 million to play the lead role, a sum which, like everything else on the film, soon ballooned wildly out of control.

Director Joseph L Mankievitz was brought in to replace Rouben Mamoulian shortly after filming began. The production was subjected to repeated delays, as various actors came and went and Taylor fell seriously ill. Elaborate sets were built in London but went unused when the production relocated to Rome. An early cut of the film weighed in at a mighty six hours; at the behest of Fox, this was hacked down to just three.

By the time Cleopatra was released, it had rung up a cost of $44 million – a sum that very nearly destroyed its studio. Even though the movie was a hit, it struggled to make back much more than its huge budget. The result is one of the most wildly opulent, lumbering historical epics ever made.



Doctor Dolittle (1967)

This musical adaptation of Hugh Lofting’s books had just about everything you could imagine from a troubled production: a difficult star (Rex Harrison), terrible weather, wayward animals, expensive reshoots and poorly-chosen locations.

One of our favourite anecdotes from Dr Dolittle? How about the decision to build a huge artificial dam in the Wiltshire village of Castle Combe. The construction deeply annoyed local residents - as did the film production’s insistence that TV aerials had to be removed from several houses in the area. One day, famous explorer Ranulph Fiennes (then still in the SAS) decided to blow up the dam with flares and plastic explosive. According to the Guardian, Fiennes was fined £500.

By the time Dr Dolittle had finished filming, it had vastly overshot its original budget of $6m. The final spend was a shade over $17m - a hefty sum for the time. Just to rub salt in the wound, the movie made less than half of its outlay back in cinemas.



See the rest of the story at Business Insider

41 celebrities who came up with amazing Halloween costumes

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Halloween might be over, but the Internet's still abuzz with talk of the best celebrity costumes (Beyoncé!) and the ones that took the longest to reveal (Heidi Klum!). 

Here's another crop of memorable celebrity costumes to get you inspired for next year's festivities.

Actress Gabrielle Union was a race car driver.



Heidi Klum, famed Halloween queen, went as herself — times six.

Here's what it was like inside her famous Halloween party in New York City. 



"The Daily Show" host Trevor Noah was Prince Akeem from the 1988 film "Coming to America."



See the rest of the story at Business Insider

A Colorado man with no construction experience is building a tiny home for under $4,500

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nathan home

Originally from Minnesota, Colorado resident Nathan Eigenfeld, 27, is turning an 8x6 trailer into a cozy ski lodge on wheels, which he plans to live in this winter.

He's building the tiny home with no real construction experience ... though his Ph.D. in mechanical engineering certainly helps.

Nathan Eigenfeld graduated with a Ph.D. in mechanical engineering from University of Colorado Boulder last winter.

He's continued working there as a postdoctoral research associate.



This winter, he's planning to take a much-needed break to go skiing in British Columbia from January through March.

"I didn't take any breaks coming in from undergraduate directly into my Ph.D., and then directly from my Ph.D. into postdoc," he said.



"I have been wanting to go to British Columbia for several years to ski," Eigenfeld said. "It's kind of the powder Mecca of North America."



See the rest of the story at Business Insider

12 books you should read before they become movies this year

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Hidden Figures movie

The year is ending, which means the best movies are all about to come out. 

But as you might expect, a lot of those movies are based on popular, acclaimed, and award-winning books. And while you don't always have to read the book before watching the movie, some of these novels, nonfiction books, comics, and short stories are excellent. 

Here are the book-to-movie adaptations coming out this fall. We included the release dates for each movie, so you know how much time you have left to read the books.

Benedict Cumberbatch will star in the next Marvel movie, "Doctor Strange," which takes its plot points from the comic book series. The original books are available on Marvel Unlimited, or you can check out the more recent "Doctor Strange" series published by Marvel.

Release date: November 4

Buy the comic here >>



The French novel "Oh..." by Philippe Djian is the basis for "Elle," a wild thriller starring Isabelle Huppert about a woman who's raped and then stalks her assailant.

Release date: November 11

Buy the book here >>



"Billy Lynn's Long Halftime Walk" by Ben Fountain is one of the most acclaimed comic novels of the past few years. The satirical story about an Iraq War Veteran being celebrated at the Super Bowl is directed by Oscar-winner Ang Lee.

Release date: November 11

Buy the book here >>



See the rest of the story at Business Insider

Stunning satellite images show just how much people have changed the Earth

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03   Gemasolar Thermosolar Plant

Ever heard of the "Overview Effect?"

Essentially, it's when astronauts, who are seeing Earth from a great distance, suddenly have a mental clarity — a new understanding on what it means to be alive, and how everything is connected.

Basically, it's when they realize how small and insignificant we really are.

Benjamin Grant is no astronaut, but he experienced something akin to the Overview Effect when he was looking through satellite images of the world.

Grant, a consultant in New York, was trying to find satellite imagery of Earth, but instead pulled up images of Earth, Texas. “Thankfully it did that because it changed my life forever,” he said. The tiny town is surrounded by perfect circles created by pivot irrigation systems, which got Grant thinking about the Overview Effect.

“[The circles are] the result of the technology we’ve created, and our means to harness the landscape to grow crops and to get food [...] I was astounded, and it led me to want to know more, and ask questions, and figure out the story behind this perfect geometry I was seeing. I think it makes sense then that I would use that visual allure as an introduction to facts and stories, and it all went from there.”

Grant is referring to his new book, “Daily Overview,” in which he uses stunning, art-like satellite imagery to start conversations about our impact on the planet.

Grant works at satellite company Digital Globe. He selects an area, puts in an imagery request, and then obtains all images that have been captured over his selected space.

He then receives those images in pieces, and uses Photoshop to create a composite. “Once that’s done I can treat it like a photograph, and kind of orient it, zoom, or compose it as I see fit,” he said.



He considers his work photography. “I’m definitely not a photographer in the classic sense of the word [...] but I think everything that happens after the fact, once the picture has been taken, is still photography."



"There’s cropping and composition, color contrast, and all of the enhancements after the fact. It’s a similar format, but potentially just expanding on the world of photography as we know it."

“What’s really fascinating about this perspective, and from a photography angle, is that there is no ‘correct’ top and bottom to the images. If you’re shooting out of a helicopter you have the horizon, the sky, the ground, and it’s pretty obvious how the picture should look. But with satellite photography, since it’s kind of top-down and two dimensional, I can rotate it 360 degrees any which way, and it still looks accurate.”



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Everything you need to know about Tesla's solar roof that's using new glass technology (TSLA)

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Tesla is trying to make solar sexy.

CEO Elon Musk unveiled its much-hyped solar roof products last Friday, and to give proper credit, they look great. Tesla will offer four types of shingles to match different housing aesthetics in an effort to get homeowners to ditch clunky solar panel add-ons in favor of a beautiful roof. (Although Musk will be quick to add traditional panel installation is still an option if you're not in the new roof market.)

Musk's roof unveiling, which also included the introduction of its new at-home battery option Powerwall 2.0, is part of Tesla's effort to show what will come if a merger with SolarCity is granted. Shareholders will vote on the merger, worth $2.6 billion, on November 17.

We took a closer look at Musk's solar roof that will incorporate use glass developed by Tesla's new glass division. Here's everything we know about the four solar roof options:

SEE ALSO: Elon Musk: Tesla is developing a special kind of glass for its Model 3

Musk installed its new solar roof offerings on houses on Universal Studio's famous backlot, which creates a suburban environment.



The first product offering Musk showed was its textured glass tiles.



See how it shimmers?



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5 cheaper and better alternatives to Apple's expensive new MacBook Pros (AAPL)

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The new MacBook Pros that Apple introduced last week are pretty expensive. 

The cheapest MacBook Pro is the base 13-inch model priced at $1,500, which is a high price to pay for its relatively middling specs. And it doesn't have the fancy new Touch Bar, either. 

Of course, you get the comprehensive Apple ecosystem with a MacBook Pro, and the Mac operating system is good enough to warrant some kind of markup. Yet, when you see that you can buy a Windows 10 laptop that's thinner, lighter, and boasts far superior specs for $500 less, the shining allure of Apple's ecosystem is suddenly dimmer.

So, I've compiled the five best alternatives that can wipe the floor with the new base MacBook Pro based on specs, all while keeping a slim, sleek, lightweight design. Some on the list can even out-perform the more powerful 13-inch and 15-inch MacBook Pro models with the Touch Bar, too.

You'll notice most of the laptops on this list have the powerful Core i7 processors from Intel: I recommend you buy computers with the i7 for the best performance today, as well as five years down the line. There are cheaper models with specs that are comparable to the new base MacBook Pro, but you're better off getting one of these options.

Check them out: 

SEE ALSO: Apple’s marketing boss says the MacBook Pro ditched a crucial port for photographers because it’s ‘cumbersome’

Dell XPS 13 (non-touch)

If you're willing to spend close to the base MacBook Pro's $1,500 price tag, you'd do well with $1,300 Dell's XPS 13 (non-touchscreen). It has a far superior and newer processor for $200 less, as well as a decent graphics card for casual gaming and other visual applications, as well as hooking up to multiple monitors.

Specs:

- Core i7 7500U

- 8GB RAM

- 256GB SSD

- NVidia GTX 960M 2GB GDDR5

- 15.6-inch 1080p screen

- 2.7 lbs

- 1x USB-C port, can also be used for charging

- 2x USB 3 ports

$1,300 from Dell.



Acer Aspire S13

For $400 less than the new base MacBook Pro, you get a slightly thinner, more powerful laptop with more storage and USB 3 ports. It also has a USB-C port for future-proofing.

Specs:

- Core i7 6500U 2.5GHz

- 8GB RAM

- 512GB SSD

- 13.3-inch 1080p touchscreen

- 3 lbs

- 1x USB-C port

- 2x USB 3 ports

$1,000 from Amazon.



Samsung Notebook 9 (13-inch)

The $940 Samsung Notebook 9 (13-inch) offers similar specs, but comes in an even thinner and lighter package than the new base MacBook Pro for over $500 less. It truly makes the base MacBook Pro look like a bad deal.

It doesn't have USB-C ports, which are useful for charging devices and transferring data simultaneously, but since USB-C is not quite mainstream just yet, this is okay for now.

Specs:

- 6th generation Core i5 2.5GHz

- 8GB RAM

- 256GB SSD

- 13.3-inch 1080p screen

- 1.9 lbs

- 2x USB 3 ports

$939 on Amazon.



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7 signs you're rich, even if it doesn't feel like it

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"Rich" is relative.

Maybe you think it means being in the top 1% of earners in some of the wealthiest cities in the US. Maybe it means being able to buy a flashy mansion or spend your life flitting from luxury vacation to luxury vacation.

But former investment banker Kristin Addis told Business Insider she feels richer earning about 40% of her previous six-figure salary while she travels the world. Nick and Dariece Swift, who also left their jobs to make a fraction of their former income, said they're happier earning less. The self-made millionaire stars of "West Texas Investor's Club" say their relationships are more valuable than the money they earn.

Ultimately, "rich" can be just as subjective as "happy"— it's different for everyone. However, there are a few universal indications of wealth, no matter how you view it: 

SEE ALSO: Here's how much of the population is considered high-income in 19 major US cities — and what they earn

You can save money

"Most people fail to realize that in life, it's not how much money you make. It's how much money you keep," writes Robert Kiyosaki in the personal finance classic, "Rich Dad Poor Dad."

At the end of the day, money does not solve financial problems — in fact, it often exacerbates them. Consider the lottery winners who lost it allwithin a few years; or theprofessional athletes who made millions in their 20s and wound up broke.

"Money often makes obvious our tragic human flaws, putting a spotlight on what we don't know," explains Kiyosaki. "That is why, all too often, a person who comes into a sudden windfall of cash — let's say an inheritance, a pay raise, or lottery winnings — soon returns to the same financial mess, if not worse, than the mess they were in before." 

If you can hold on to a portion of the money you earn, you're in good shape.



You can live comfortably below your means

Living below your means is one of the major tenets of responsible money management: spending less than you earn, however much that may be.

Self-made billionaire Anthony Hsieh told Business Insider that learning to live within his means was a lesson he learned from his parents, who immigrated to the US from Taiwan.

The habit "has helped me quite a bit and that's one of the reasons I've survived and flourished in consumer lending for 30 years," he said. "My career spans four different economic and housing cycles and I'm still sitting at the table as a key executive in consumer lending. I think part of that is my discipline of making certain that the company and myself don't overspend."

Living within your means might not sound like a big deal if you're already doing it ... but not everyone can manage. A 2015 report released by the The Pew Charitable Trusts found that more than half (55%)of the nearly 8,000 Americans surveyed said they spend more than they earn, or just break even every month.



You will eventually be able to pay for the things you really want 

If you can go out and buy a yacht in cash today, most people would agree that you're rich. However, if you can go out and buy that same yacht five years from now after setting a savings goal and socking away money on a monthly or annual basis, guess what? You're probably still rich.

Survey after survey turns up the same dispiriting result: Americans aren't saving all that much. The same Pew survey reported that 33% of respondents had no household savings, and a GOBankingRates survey of over 4,500 Americans found that a third of them have no retirement savings whatsoever.

Which brings us to our next point ...



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