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The NBA's 25 highest-paid players

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LeBron JamesWith the retirement of Los Angeles Lakers legend Kobe Bryant, the NBA has a new highest-paid player for the first time in several years and it is a deserving one: LeBron James.

LeBron is in his 14th season, and after two years of one-year contracts in his return to the Cavs, he finally started to cash-in big time.

At age 31, James is now the NBA's highest-paid player. But thanks to a skyrocketing salary cap, several of the NBA's young stars are not far behind.

Here are this season's 25 highest-paid players in the NBA and how their contracts break down, with data provided by Spotrac.

22t. Brook Lopez — $21.2 million

Team: Brooklyn Nets

Position: Center

Contract: 3 years, $63.5 million

One thing to knowLopez's contract includes protection for the Nets in case Lopez's foot injuries keep him out of action again. He can become a free agent in 2018.



22t. DeAndre Jordan — $21.2 million

Team: Los Angeles Clippers

Position: Center

Contract: 4 years, $87.6 million (Jordan can opt out of the final year of the contract in 2018)

One thing to know: Jordan was involved in what may go down as the craziest free-agency signing in NBA history. He went from signing with the Mavs to re-signing with the Clippers in a span of 12 hours, all while an emoji war erupted. He may get a chance to do it all over again in the summer of 2018.



22t. Marc Gasol — $21.2 million

Team: Memphis Grizzlies

Position: Center

Contract: 5 years, $113.2 million (Gasol can opt out of the final year of the contract in 2019)

One thing to know: The premier free-agent big man in the summer of 2015, Gasol chose to remain with the Grizzlies and won't be a free agent again until 2019 at the earliest.



See the rest of the story at Business Insider

Where all 14 OPEC members stand ahead of November's crucial meeting (USO, OIL)

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fireman isis oil iraq

Two years ago, oil prices plummeted after OPEC voted to not cut production.

Fast forward to 2016, and it looks like the cartel could be gearing up for a production cut.

As members prep themselves for the November 30 meeting, we took a look at how they have fared over the last few months in terms of economic, geopolitical, and security issues.

RBC Capital Markets' commodities research team led by Helima Croft ranked all 14 members from least to highest risk, with 10 being the highest possible risk.

 

Qatar relies on liquid natural gas, and so it's problems "will emerge later this decade."

Risk for this year: 2

Oil production last month: 0.62 millions of barrels/day

Oil production 2015 average: 0.67 mb/d

Qatar is a big player in the liquefied natural gas sector, and so analysts believe that its challenges "will emerge later this decade."

Still, it's notable that the country raised $9 billion in Eurobonds back in May, which was the biggest bond issuance in the Middle East until Saudi Arabia's last month.

 

Source: RBC Capital Markets



The United Arab Emirates continues to sit in the "sweet spot."

Risk for next year: 2

Oil production last month: 3.11 mb/d

Oil production 2015 average: 2.88 mb/d

Like other GCC states, the United Arab Emirates remains better positioned than other producers to weather lower oil. However, it, too, has made some cutbacks.

"GCC monarchies survived the Arab spring uprisings largely unscathed by ratcheting up social spending. Now, however, the recent moves to scale back the social contract pose the risk of domestic discord and strife," wrote Croft.

"Hence, the GCC — UAE included— will likely remain core members of the Saudi-led OPEC coalition of the willing, together looking to add a little extra grease to the wheels toward achieving moderately higher prices."

 

Source: RBC Capital Markets



Kuwait has a small population, but they do not want austerity measures.

Risk for next year: 3

Oil production last month: 2.96 mb/d

Oil production 2015 average: 2.85 mb/d

Although Kuwait has a small population and a relatively large sovereign wealth fund, the country has seen some disarray in 2016.  

Back in April, oil workers went on strike to protest proposed government cutbacks. And more recently, the Emir dissolved parliament following"disputes between MPs and the government over fuel price increases in the oil-rich country."

 

Source: RBC Capital Markets



See the rest of the story at Business Insider

PRESENTING: The 9 stocks that matter most to hedge funds (BAC, AGN, YHOO, MSFT, AAPL, GOOGL, FB, AMZN, CHTR)

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wolf of wall street

Here they are: the hedge fund darlings of Q3.

Goldman Sachs recently updated its Very Important Position list of stocks that appear the most among the funds' largest 10 holdings.

One disclaimer: The list was compiled based on 13-F filings hedge funds made, which disclosed their positions. These stocks were held as of the end of the third quarter, and the funds could have since changed their positions.

Goldman ranked the stocks based on the number of funds that held as a top-10 holding.

Here are the top nine, in descending order:

9. Bank of America

Ticker: BAC

Subsector: Diversified Banks

No. of funds with stock as top-10 holding: 36

No. of funds with 10 to 200 positions owning stock: 52

% of equity cap owned by hedge funds: 2%

Return year-to-date: 21%

Source: Goldman Sachs



8. Allergan

Ticker: AGN

Subsector: Pharmaceuticals

No. of funds with stock as top-10 holding: 37

No. of funds with 10 to 200 positions owning stock: 59

% of equity cap owned by hedge funds: 9%

Return year-to-date: -37%

Source: Goldman Sachs



7. Yahoo

Ticker: YHOO

Subsector: Internet Software & Services

No. of funds with stock as top-10 holding: 39

No. of funds with 10 to 200 positions owning stock: 54

% of equity cap owned by hedge funds: 18%

Return year-to-date: 21%

Source: Goldman Sachs



See the rest of the story at Business Insider

Here is everything the richest people in London spend their money on

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Mayfair is one of the richest areas of London, where 2,000 households contribute a huge £2.5 billion to the UK economy, according to luxury estate agent Wetherell.

Wetherell, using information from Westminster City Council as well as property market researchers Dataloft and EGI, also found out what the richest people in London spend their money on.

From how much they spend on properties, to their annual budget on personal grooming and cosmetic surgery, the "Mayfair’s Golden Decade Report" noted the average spend by these wealthy households.

Here's the breakdown: 

Mayfair is in central west London and is next to Hyde Park and near Buckingham Palace.



Wetherell said "entry level” flats in Mayfair now cost over £1 million while the average home costs £4.8 million.



The most expensive homes in Mayfair are currently valued up to £200 million, says Wetherell.



See the rest of the story at Business Insider

RANKED: How patriotic 19 world-leading economies are

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Stockholm Christmas Market

A new poll from YouGov asked respondents from a group of 19 countries across the world whether they believe they live "in the best country in the world" as part of the polling company's international survey on globalisation.

While the survey is not based on a complete global list of countries, the broad selection of territories from around the world nonetheless provides an interesting insight into how feelings of nationhood vary between different regions.

The question of patriotism comes at an interesting time — Donald Trump's surprise victory was based on a campaign to "Make America Great Again," and in the UK, the Brexit vote in June was billed as a chance for voters to "take our country back." So where do both countries fit into the list?

YouGov asked adults aged 18 or over in 19 countries, with all surveys being carried out online in October 2016.

The countries polled were Australia, Denmark, Finland, France, Germany, Great Britain, Hong Kong, India, Indonesia, Malaysia, Norway, Philippines, Saudi Arabia, Singapore, Sweden, Thailand, Vietnam, the United Arab Emirates, and the United States.

Take a look at how the countries ranked against each other below in terms of the percentage who believe their country is "the best in the world." In instances where two countries are tied in that response, both are ranked against each other according to the percentage in each who said that their country was "better than most other countries."

19. France

"My country is the best country in the world:" 5%

Outgoing-French President François Hollande is the least popular leader in the nation's history, which may help to explain why such a small fraction of the population believe their country is the best in the world.



18. Germany

"My country is the best country in the world:"5%

Over six decades have passed since the Second World War, but Germans still have a "pathological fear" of patriotism, according to German magazine Der Spiegel.



17. Vietnam

"My country is the best country in the world:"6%

33% of Vietnamese respondents said that they believe their country "is not as good as most other countries"— a margin of more than 10% compared to any of the other countries polled.



See the rest of the story at Business Insider

Just Eat showed off how takeaways could be delivered in the future

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Just Eat CEO David Buttress

If you live in certain parts of London, then you could soon be getting your takeaway chicken tikka masala delivered to your front door by a robot.

That's assuming you've ordered your food with Just Eat, of course. 

The startup, which IPO'd on the London Stock Exchange in 2014 at a valuation of £1.5 billion, showed off the food delivery robots and several other inventions at an event in Shoreditch on Tuesday.

The event, called "The Future Now — Redefining Food Discovery", included everything from augmented reality applications to Xbox apps.

Business Insider went along to learn how Just Eat plans to shake up the food delivery experience in the coming years.

The Just Eat event took place in a trendy space that is also used for music gigs.



Just Eat CEO David Buttress opened the event, claiming that technology is at the heart of everything that Just Eat does.



Fernando Fanton, chief product and technology officer of Just Eat, said that the company is looking to use technology to give customers as much choice as possible when they're making their orders.



See the rest of the story at Business Insider

These are the 7 courses anyone who wants to change their job should take

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The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships, so we may get a share of the revenue from your purchase. 

man at desk designer computerIt's always a good idea to keep your CV up to date, but as Brexit could lead to the disappearance of 83,000 City jobs, now might be a great time to not only update your resume, but also add new skills to it. 

After all, the tech industry means that the skillset needed to thrive in the work place is ever changing, which means that employees need to constantly expand their knowledge and expertise. 

For those who don't have the means – or the time – to keep enrolling in university courses, e-learning is the perfect solution. Not only can you learn from the comfort of your home, but you can also learn whenever it is convenient for you, without burning a hole in your wallet. 

Through to Black Friday, you can grab some hefty bargains on some of Udemy's best-selling courses.

At only £14 for an online course, we've rounded-up some of the most useful skills to train in for anyone who wants to change their job – whether you simply want to quit, or just prepare for the worst: 

1. Microsoft Excel

Knowledge of Microsoft Excel is a crucial skill to possess, and if you don't already have it on your CV, now is the time to learn it.  From organising busy schdules to sharing spreadsheets with your team, Excel is a great tool, and it's capable of doing a lot more if you know how to use it.

This course only takes six hours, and it's well worth the £14 spent as it will boost your productivity at work. 

Microsoft Excel - From Beginner to Expert in 6 Hours, £14 (originally £25), available at Udemy [44% off]



2. A foreign language

It's no secret that languages are a great way to set yourself, and your CV, apart from the tons of applications hiring managers receive. One of the easiest languages to learn is probably Spanish, and this course will make it even easier to master.

For those of you who'd rather learn another language like Mandarin, French or even Japanese, we've also compiled a list of languages which will get you the highest-paying jobs in Britain

Conversational Spanish Made Easy, £14 (originally £145), available at Udemy[90% off]



3. SEO

SEO is crucial if you want to put your own website or your company's website on the map. This course will teach anyone the ins and outs of SEO, in a comprehensive and organised manner. 

The Complete SEO Course - Rank Your Website in Google Easily, £14 (originally £50), available at Udemy[72% off]



See the rest of the story at Business Insider

Here are 7 urban areas of the UK with the highest letting fees

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LONDON — Chancellor Philip Hammond is set to announce a ban on letting fees for renters in his Autumn Statement on Wednesday.

While the news sent shares in letting agencies plummeting, the news will be welcomed by tenants, who pay an average of £337 a year for the fees.

In some areas, however, that figure is dramatically higher, and areas with some of the highest fees have been uncovered by the National Private Tenants Organisation.

The tenant pressure group studied letting fees around the cities of London, Manchester and York to find both the average and highest costs in those areas.

We took a look at the top 7:

(This is post is based on an original article by Matthew Nitch Smith)

7. Ealing, London

Average Letting Fee: £364

Highest Letting Fee: £612 

Leafy Ealing has become a major residential suburb in west London thanks to good tube links, but it comes at a price if you're renting.  



6. Wandsworth, London

Average Letting Fee: £368

Highest Letting Fee: £694

Visitors to this south-west London borough along the river will notice the gigantic apartment constructions by the infamous roundabout. Unfortunately, letting agents seem to have taken these developments as a cue to raise fees through the roof. 



5. Lambeth, London

Average Letting Fee: £383

Highest Letting Fee: £663

Another borough running along the south side of the river, Lambeth has become a significant area for new buyers that's still in the central vicinity, and letting agents have taken notice if the average price of fees is anything to go by. 



See the rest of the story at Business Insider

Hedge funds love these 8 companies (MA, AMZN, V, GOOGL, FB, CMCSA, PG, KHC)

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computer screen charts trader

Hedge funds, in their search for outsized returns, prefer some stocks over others.

An equity strategy report released by JPMorgan on Monday offers some insight into stocks most owned by hedge funds. "Hedge funds have been most active in Tech, Consumer, and Health Care names while being underweight Financials, Industrials and yield plays (Utilities, Telecom and REITs)," the note reads.

Kraft Heinz is the undisputed leader among high market-cap companies when it comes to hedge fund interest, with funds owning 25.4% of total outstanding Kraft Heinz shares. Procter & Gamble comes a far second at 6.9%. Not surprisingly, companies with market-cap of less than $50 billion show greater ownership by hedge funds.

Below we rank the top eight stocks (with a market cap of over $100 billion) by hedge fund ownership.

8. Amazon

Ticker: AMZN

Industry: Retailing

Shares outstanding: 475.17M

Percent owned by hedge funds: 3.9%

Source: JPMorgan



7. MasterCard

Ticker: MA

Industry: Software & Services

Shares outstanding: 1.090B

Percent owned by hedge funds: 4.0%

Source: JPMorgan



6. Visa

Ticker: V

Industry: Software & Services

Shares outstanding: 2.055B

Percent owned by hedge funds: 4.3%

Source: JPMorgan



See the rest of the story at Business Insider

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

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Flight attendants

From experiencing the thrill of adventure to taking amazing vacations at little or no cost, there are a lot of unique perks to being a flight attendant.

But the job comes with its challenges as well.

Delays and flight cancellations, 4 a.m. wake-up calls and sporadic hours, weekends and holidays spent working, and long work commutes top the list for many.

Flight attendants are also privy to a wide array of human behaviors, some of which would challenge anyone's people skills.

Here are some of the most trying work conditions flight attendants have been subjected to:

DON'T MISS: Flight attendants share 11 of their favorite travel hacks

SEE ALSO: Uber and Lyft drivers share their 11 best ride-hailing hacks

A real-life snake on a plane

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As Business Insider previously reported, a reportedly non-venomous, albeit very alive, 3-feet-long snake slithered out of an overhead locker and dropped down the cabin on a flight to Mexico City.



Monkey business

"One woman smuggled a pet monkey onboard as her baby," a flight attendant with more than 16 years of experience told Business Insider.



Bare feet in the bathroom

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"It still shocks me all these years later," a flight attendant who's "been around a while" told Business Insider.



See the rest of the story at Business Insider

17 things keeping you from getting rich, according to a journalist who spent his career studying millionaires

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man thinking

Prompted by legendary businessman Andrew Carnegie, who turned a few nickels and dimes into a fortune, journalist Napoleon Hill researched more than 500 self-made millionaires over 20 years before releasing his 1937 best-seller "Think and Grow Rich."

In addition to boiling down the "secret" to building wealth in 13 principles, he revealed 30 "major causes of failure" that hold many of us back from getting rich.

Here are 17 that are still relevant today.

SEE ALSO: 11 short books to read if you want to get rich

Not having a well-defined purpose.

"There is no hope of success for the person who does not have a central purpose, or definite goal, at which to aim," Hill writes.

If you're looking to build wealth, start with visualizing a savings goal with a specific price tag. Then form a financial plan and determine exactly where you want your money to go.



Lack of ambition.

You have to want to aim above mediocrity, Hill says: "We offer no hope for the person who is so indifferent as not to want to get ahead in life, and who is not willing to pay the price."

Wealth doesn't simply appear. You have to work toward it with patience and persistence. A good starting point is to invest your money (the earlier the better), and let the power of compound interest build your wealth. It doesn't take much time or effort, but it does require action on your part.



Not properly applying your education.

A college degree won't cut it. Knowledge is only potential power, and it will not become useful or lead to great wealth unless it is organized and applied to life, Hill emphasizes:

"Education consists not so much of knowledge, but of knowledge effectively and persistently applied. Men are paid not merely for what they know, but more particularly for what they do with that which they know."

Don't settle with your degree. Make it a priority to constantly learn new things and challenge your mind. There's a reason that many of today's successful and wealthy people are voracious readers.

 



See the rest of the story at Business Insider

Science says these 7 tactics will help you win any argument

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After a highly controversial US election, you're likely to come in contact with someone you don't share the same views with.

It's easy for these calm discussions to turn ugly. If they involve family members, it can make the holidays especially stressful.

These are the most successful tactics to help you get your point across in a courteous and educated way.

Drake Baer contributed to an earlier version of this story.

SEE ALSO: 14 habits of exceptionally likable people

Attacking someone's ideas puts them into fight-or-flight mode. Once they're on edge, there will be no getting through to them.

So if you want to be convincing, practice "extreme agreement"— take your conversational partner's views and advance them to their logical, and perhaps absurd, conclusion.



Contrary to what your debate coach said, arguments aren't rational.

So respect the other person's perspective, no matter how ridiculous it sounds.

"When people have their self-worth validated in some way, they tend to be more receptive to information that challenges their beliefs," Peter Ditto, a psychology professor at the University of California at Irvine, told New York magazine in 2014.

With that emotional connection established, you can then start getting logical.



If you're in a spat with your spouse, John Gottman, a psychologist who works with couples, says to ask questions that allow them to open up.

Examples include:

• How would you change it if you had all the money in the world?

• What do you want your life to be like in three years?

• How do you like your job?

It can help in arguments at work, too — open-ended questions help transform competitive interactions into cooperative ones.



See the rest of the story at Business Insider

The 21 best science movies and shows streaming on Netflix that will make you smarter

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Michael Pollan cooked

With holidays and cold weather arriving at the same time, it's the perfect time of year to curl up on the couch and lose yourself in a good movie.

And if you're looking for something entertaining and beautiful that'll also make you knowledgeable, there's an incredible variety of science- and nature-focused documentaries and TV episodes streaming on Netflix right now.

You can find compelling documentaries that'll captivate you with the beauty of the planet, you can delve into the details of how food arrives on your plate, or you can explore the mysterious and alien world that exists in oceans around the globe.

But there's a downside to all of that choice: It's a lot to choose from. So to make it easier, we've asked our colleagues to pick out some of their favorites from the Netflix documentary selection.

Here are our favorites, listed in no particular order:

This is an updated version of a post originally by Julia Calderone.

SEE ALSO: A treasure trove of shipwrecks has been revealed by a new mapping technology

"Cooked" (2016)

What it's about: Journalist and food expert Michael Pollan explores the evolutionary history of food and its preparation in this four-part docuseries through the lens of the four essential elements — fire, water, air, and earth. 

Why you should see it: Americans as a whole are cooking less and less, relying more on unhealthy, processed, and expensive and prepared foods. Pollan aims to bring viewers back to the kitchen by forging a meaningful connection to food and the joys of preparation. [Click to watch]



"Blackfish" (2013)

What it's about: This film highlights abuses in the sea park industry through the tale of Tilikum, an orca in captivity at SeaWorld in Orlando, Florida. Tilikum has killed or been involved in the deaths of three people while living in the park. 

Why you should see it: This documentary opens your eyes to the troubles with keeping wild animals in captivity through shocking footage and emotional interviews, highlighting potential issues of animal cruelty and abuse when using highly intelligent animals as entertainment. Sea parks make billions of dollars off of keeping animals captive, often at the expense of the health and well-being of its animals. This documentary played a huge role in convincing SeaWorld to stop their theatrical "Shamu" killer whale shows. [Click to watch]



"Particle Fever" (2013)

What it's about: This documentary follows six scientists as they prepare for one of the biggest and most expensive experiments in history: recreating conditions from the Big Bang with the launch of the Large Hadron Collider in Europe. Their aim is to unravel the mysteries of the universe and the origins of matter.

Why you should see it: Physics is often considered a forbiddingly dense subject, but 'Particle Fever' gives you a window into physics without breaking your brain. It documents the discovery of the famous Higgs boson particle that many physicists think holds the key to understanding the universe. Instead of getting bogged down with the complexities of particle physics, the film focuses more on the human drama of the discovery, and how it could change our understanding of the world around us. [Click to watch]



See the rest of the story at Business Insider

9 all-too-relatable illustrations that boil personality down to everyday details

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2kinds pizza

It all started with laundry, says João Rocha.

"Apparently there's a right way to fold clothes, and at this particular point in time my wife was telling me how I was doing it all wrong," wrote the Portuguese art designer in an email to Business Insider. "Now, my way was not as pristine as hers, but it had the added bonus of being much more efficient and fast, which is kinda the point when you're folding clothes. I didn't immediately have the idea to make a series out of it, but the spark came from there."

In the spring of 2015, that spark turned into the Tumblr 2 Kinds of People, where Rocha illustrates this-way-or-that-way personality quirks many of us share. Soon, he'll turn it into a book, which will be available through Workman Publishing in the US and Canada.

Below, see some of his illustrations, along with his thoughts on the differences that bring us together.

SEE ALSO: 15 hard truths about adulthood, from a 29-year-old illustrator who tells it like it is

"2 Kinds of People is not about the things we do differently," says Rocha, "but what points we can find in common with other people."



"It's not our nationalities, or religion, gender, or sexual preference. It's not how we look or how we vote. It's these things that in the end don't really matter."



"A Muslim man from Dubai can prefer to slice his sandwich just like a Jewish old lady from New York, and they would have nothing else in common except for this."



See the rest of the story at Business Insider

Stunning photos of people from every Native American tribe

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The INSIDER Summary:

• Matika Wilbur is photograping members of every federally recognized Native American tribe.
• She asks people about themselves and their identies and records their answers for an archive.
• Wilbur feels that narrative and representation are especially important for Native Americans, whose stories are often misunderstood.


 

Photographer Matika Wilbur is on a mission to photograph members of every federally recognized Native tribe in North America.

Wilbur herself is Swinomish and Tulalip. Ever since she sold her Seattle apartment and hit the road in 2012, she's been collaborating with Native people and documenting their stories for Project 562 (though there are now 566 federally recognized tribes). 

What began as a photo series has become an archive rich with history, culture, language, and resilience. Over 300,000 miles and 400 tribes in, she's not done yet.

Matika Wilbur began Project 562 after her grandmother appeared to her in a dream and told her to leave an assignment in South America and photograph her own people.



She has since driven some 300,000 miles and photographed members of over 400 tribes.



The project has grown from a photo series to a documentary project to a full-blown archive of Native people, their communities, and their stories.

"We're always redrafting the language to describe this project," Wilbur said.



See the rest of the story at Business Insider

The 15 best colleges for your money

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brigham young university

It's hard to estimate the impact your chosen college — or your children's — will have on your life.

However, that doesn't mean we can't try.

To come up with the "best colleges for your money "— defined as schools that offer "a great education, at an affordable price, that prepares students for rewarding careers"— MONEY ranked 705 four-year colleges in the US with over 500 students and a median-or-above graduation rate on 24 factors within three broad categories:

  • educational quality
  • affordability
  • alumni success 

See the full methodology at MONEY.

Below, we've included MONEY's estimated price of the 2016-2017 school year without aid, the estimated price of the same year with the average amount of aid, and the "early career earnings" (a weighted calculation taken from various reports of graduate earnings five and ten years after graduation) for each of the top 15 schools.

See the full ranking of 705 schools at MONEY.

SEE ALSO: Nearly 75% of Americans are missing out on an easy way to save for college — here's what every parent should know

15. University of Florida

Gainesville, Illinois

Annual price without aid: $21,400

Annual price with average aid: $15,500

Early career earnings: $49,700



14. UC San Diego

La Jolla, California

Annual price without aid: $32,500

Annual price with average aid: $24,700

Early career earnings: $53,700



13. Texas A&M University — College Station

College Station, Texas

Annual price without aid: $23,900

Annual price with average aid: $15,900

Early career earnings: $55,100



See the rest of the story at Business Insider

10 surprising things you didn’t know you could do at Disney World

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Disneyland Castle 60th birthday celebration Disney Parks:Getty Images

The INSIDER Summary:

• Ride a surrey bike or a horse on the way to Disney's bowling alley.
• Get a haircut while being serenaded by the Dapper Dans, a barbershop quartet.
• Table service restaurants in Animal Kingdom are underratedly awesome.


 Dumbo? Check. Space Mountain? Done. Picture (with Minnie) in front of Cinderella’s Castle? Yep. Walt Disney World in Orlando, Florida is a land of iconic experiences that many want to see at least once, if not more. But even the most devout Mickeyphiles may eventually begin to wonder if there’s anything fun that they haven’t done yet. We dug up 10 such under-the-radar activities. It’s a safe bet to say these to-dos most likely don’t make it onto the majority of visitor itineraries. And that’s a shame because they’re all pretty awesome. Get ready to shake up your Disney World touring plan.

1. Ride a Surrey Bike

Yes, really. Within a 10-minute walk of the Epcot exit near the United Kingdom Pavilion in World Showcase is the boardwalk at Crescent Lake, a tribute to Coney Island back in the day. And it’s a pretty close approximation, with its midway games, jugglers, saltwater taffy, and surrey bikes. You can rent a two-, four-, or six-person conveyance to tool around the lake for either 30 or 60 minutes. It’s refreshing fun for sure, but a few tips: the riders in the front seem to need the most leg strength (and energy). Also, the side of the lake farthest from the rental stand goes uphill. Unless you’re doing this for exercise -- unlikely, what with the bell you ring when pedestrians get too close and all -- the half-hour rental will probably suffice.

Where to Stay: Disney Boardwalk Villas are in the center of the area’s action and a quick walk to the Epcot gates. No driving or waiting for a shuttle.



2. Go Horseback Riding

The Tri-Circle-D Ranch at the Fort Wilderness has plenty to lure wannabe equestrians. Horseback riding sessions are offered six times a day. Ranch hands at least nine years old can hit the trails for the 45-minute guided ride through the woodlands. Younger children need not pout: ponies are waiting for the little ones to climb aboard; carriage rides are another option. Hay and wagon rides are popular in the fall, while December brings horse-drawn sleigh outings. Call 407-WDW-PLAY to make reservations.

Where to Stay: Disney’s Wilderness Lodge is near the ranch and captures that western spirit in its decor, not least of all the erupting geyser. 



3. See Cirque du Soleil

Practically synonymous with Las Vegas, Cirque du Soleil can be soaked up right in the heart of Florida. The name of the show in Disney Springs is La Nouba, which comes from the French “faire la nouba,” which translates to “to live it up.” And like its Vegas cousin, this East Coast version is packed with wall-to-wall, ceiling-to-floor international acrobats, aerialists, singers, trapeze artists, jugglers, and clowns -- all bathed in color, light, and stirring music. One of the newer acts here is a pair of bamboo artists, performing a Chinese art form while dangling on what is essentially a stick from the (really high) ceiling. La Nouba also introduces breakdancing into Cirque du Soleil for the first time. 

Where to Stay: Disney’s Old Key West Resort is close to Disney Springs and has a quiet riverside setting. 



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15 warm New Year's Eve dresses to rock all holiday season

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The INSIDER Summary:

• Finding something warm to wear on New Year's Eve is always difficult. 
• Here are some stylish, long-sleeve options that will keep you from freezing.


 

With the holidays approaching, there's no doubt you'll be planning several party outfits. Even if you aren't ready to say goodbye to 2016, there's so many options for New Year's Eve dresses to shop before it's too late. And if you're looking for a dress to keep you warm, I've got you covered!

The challenge to winter parties is always about finding something stunning that won't leave you unbearably cold throughout the night. Of course you can always pair a sparkly cocktail dress with a fur coat or stole, but there are long-sleeve dress options to shop that will keep you warm while you party the night away. Even if you plan on keeping your night low key this year, you can still throw a party with your squadand dress up just for fun!

Even if it seems cliche, you can't go wrong with a sequin dress for New Year's Eve that would otherwise seem over-the-top any other time of the year. Don't be afraid to dazzle in a dramatic dress to celebrate the past year, especially a dress that will keep you warm during late-night cold temps. I've rounded up some of the most glam looks to help jump-start your search for warm New Year's Eve dresses.

1. After Midnight Sheer Maxi Dress

After Midnight Sheer Maxi Dress, $60, tobi.com

This maxi dress will certainly make a statement — just add a bold accessory like a chunky, sparkly necklace.



2. Vero Moda Sequin Shift Dress

Vero Moda Sequin Shift Dress, $79, us.asos.com

Sequins on New Year's Eve are a must. This shift dress features a scoop back and three-quarter sleeves.



3. Madly Deeply Mini Dress

Madly Deeply Mini Dress, $250, freepeople.com

With a stylish choker neckline and intricate beading embellishments, this dress will have you looking festive yet elegant.



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10 things you can learn about money in 10 minutes that will change your life

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On Inc., Ilya Pozin wrote about 10 things anyone can learn in 10 minutes to make them more productive for the rest of their life.

More productive is one thing — but how about richer?

Only 10 minutes won't teach you everything there is to learn about managing your money and building wealth, but setting aside some time to learn one of these 10 things can only improve your financial know-how.

SEE ALSO: 9 signs you'll never be rich

How to calculate your net worth

Your net worth is the financial value of everything you own — it's something we should all know, yet tend to overlook.

As Business Insider's Sarah Schmalbruch writes,

A negative net worth — when you've spent more than you've earned — can be the wake up call you need to make some serious financial adjustments. A positive net worth, on the other hand — when you've earned more than you've spent — can be a confirmation that you're doing well, and can help you plot out how much longer you need to reach your next financial goals.

How exactly do you determine your net worth?

Certified financial planner Sophia Bera provides a simple equation in her book, "What You Should Have Learned About Money, But Never Did":

Your net worth = what you have — what you owe

Here's the exact method she uses:

I have a spreadsheet that I pull up, I log into my accounts online, and I enter the balance of each of my retirement accounts, savings, investments, and so on. Then I enter any debts and subtract this number from my assets to determine my net worth.

If you own a home you can pull the approximate value of your house on Zillow.com, and then subtract your mortgage balance to determine how much home equity you have.

How often should you revisit your net worth? Twice a year, Bera suggests.



How to figure out where all of your money is going

Most of us know how much cash is flowing into our bank accounts each month — but just how much is flowing out? Do you know how much you spend eating out, on monthly subscriptions, or on coffee? Chances are it's more than you think.

If you redirect smaller, everyday expenses towards a retirement account, it can accumulate and grow into thousands of dollars over time, thanks to the power of compound interest.

Where can you cut back? First, you'll need to figure out where all of your money is going. There are plenty of apps out there that will automatically track and categorize your expenses for you, such as Mint, You Need a BudgetPersonal Capital, and LearnVest.

If apps aren't for you, try keeping a spreadsheet on your computer or writing down your daily purchases in a notebook.



How to change your mindset about money

Contrary to popular belief, finishing rich isn't necessarily dependent on the size of your paycheck— and it has more to do with psychology and mindset than you may think.

This should strike you as good news, since anyone can change their thoughts, beliefs, and habits to reflect those of the rich.

Start by thinking of money as something to invest, rather than something to save or spend. As self-made millionaire Grant Cardone writes on Entrepreneur:

The only reason to save money is to invest it. Put your saved money into secured, sacred (untouchable) accounts. Never use these accounts for anything, not even an emergency. This will force you to continue to follow step one (increase income). To this day, at least twice a year, I am broke because I always invest my surpluses into ventures I cannot access.

Next, start making choices like the rich and developing "rich habits." As self-made millionaire T. Harv Eker says"The fastest and easiest way to create wealth is to learn exactly how rich people, who are masters of money, play the game."



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34 things you should remove from your résumé immediately

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resume cover letter job fair application career work

Hiring managers rarely have the time or resources to look at each résumé closely, and they typically spend about six seconds on their initial "fit/no fit" decision.

If you want to pass that test, you need to have some solid qualifications — and the perfect résumé to highlight them.

Here are 34 things you should strike from your résumé right now.

SEE ALSO: 9 phrases on your résumé that make hiring managers cringe

DON'T MISS: We took a real résumé from a mid-level employee and turned it into something fantastic

1. An objective

If you applied, it's already obvious you want the job.

The exception: If you're in a unique situation, such as changing industries completely, it may be useful to include a brief summary.



2. Irrelevant work experiences

Yes, you might have been the "king of making milkshakes" at the restaurant you worked for in high school. But unless you are planning on redeeming that title, it is time to get rid of all that clutter.

But as Alyssa Gelbard, career expert and founder of career-consulting firm Résumé Strategists, points out: Past work experience that might not appear to be directly relevant to the job at hand might show another dimension, depth, ability, or skill that actually is relevant or applicable.

Only include this experience if it really showcases additional skills that can translate to the position you're applying for.



3. Personal details

Don't include your marital status, religious preference, or Social Security number.

This might have been the standard in the past, but all of this information could lead to discrimination, which is illegal, so there's no need to include it.



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