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The 23 richest people in Britain

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John Grayken1

The richest people in Britain suffered from the worst fall in fortune since the credit crunch in 2007, according to The Sunday Times Rich List 2016.

And next year's numbers are likely to cause more pain for the super-rich considering the country voted for Brexit and oil prices still remain low.

The newspaper, which lists the 1,000 wealthiest individuals and families in the UK, said that the commodities-market crash has had such a pronounced effect on some of Britain's most wealthy people that they've seen their fortunes crater by over 50% over the last few years. 

Regular rich list member and steel magnate Lakshmi Mittal has seen his wealth crash by around 75% since 2008 — he used to be worth £27.7 billion but now he's worth £7.12 billion. Len Blavatnik, the London-based, Ukrainian-born US citizen who is the owner of Warner Music Group, dropped from the No. 1 spot this year. And the Queen has failed to make the top 300 for the second consecutive year.

Only those who have significant property investments have seen their fortunes grow due to the housing boom.

Take a look at who made the top 23 spots this year below:

(All the ages of the people who made the list correspond to the time their fortunes were calculated, which was as of April 24, this year. Since the data was released, the Duke of Westminster died and so the slide has been updated to reflect his heir's claim to his wealth):

23. Bruno Schroder

Net worth:£4.06 billion ($5.84 billion)

Age: 83

Schroder and his family own a £3.7 billion ($5.32 billion) stake in City-based asset-management group Schroders. He is the great-great-grandson of John Henry Schroder, who cofounded the Schroders businesses in 1804. He is still a nonexecutive director of the group.



22. Christo Wiese

Net worth: £4.33 billion ($6.23 billion)

Age: 74

South African retail mogul Christo Wiese is a newcomer to The Sunday Times Rich List, thanks to his range of investments in retail and property.

His active-property portfolio is alone worth £80 million and he has large stakes in seven publicly traded companies. He is also the largest single shareholder in Africa’s biggest retailer, Shoprite, and in 2015 he bought the New Look fashion chain in Britain.



21. Nathan Kirsh

Net worth:£4.37 billion ($6.29 billion)

Age: 84

Kirsh founded a Swaziland corn-milling business in 1958, which later led to his sizeable fortune. He controls Kirsh Group, which has a 75% stake in New York-based cash and carry operation Jetro Holdings.



See the rest of the story at Business Insider

I gave up solid food for a week and lived on meal replacement drink Huel

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huel rob price

You don't realise just how good food is until you lose it.

Earlier this year, I stopped eating for a week. I wasn't fasting, or on hunger strike — I was trying out Huel, a far-out food-replacement drink that promises to give you all the nutrients and vitamins you need to stay alive.

You don't need to stop eating food to drink Huel, and many users use it to supplement existing diets when they can't be bothered to cook, or don't have the time to.

But some customers swear by a more extreme 100%, Huel-only diet— so I wanted to put it to the test.

The rules were simple: No food, ever. (Other drinks were okay though, occasionally.) No additives not made by Huel. I could have as much Huel as I wanted, or needed. One week. That's it.

Read on to see how I fared, but here's a spoiler: It really wasn't fun.

(If you want a condensed version, you can also watch a video about my Huel-only week here.)

Huel is developed by a UK company of the same name. It's pretty similar to Soylent, a buzzy Silicon Valley startup that also makes a meal-replacement drink.



It promises to offer you everything you need in a drink. Protein, vitamins, carbs, minerals, fibre — it's all in there. A typical serving is about 500 calories.



It comes as a dry powder that you then mix with water, much like a protein shake. You can also bake it into fancy recipes, and add all sorts of extra ingredients, with Huel enthusiasts sharing recipes online. But I wanted the hardcore, "pure" Huel experience.



See the rest of the story at Business Insider

The 9 most wished for tech products on Amazon UK right now

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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.

Hands with laptop typing, Christmas decoration in the backgroundThe holiday season is fast approaching and if you're anything like me, you've already started falling down the rabbit hole that is Pinterest. 

Don't get me wrong – getting inspiration is always a good thing when it comes to the art of gift giving. That being said, it might also be an idea to start buying the presents for your loved ones right now, as retailers often put their prices up just before Christmas

If saving cash isn't enough of an incentive to be more organised this year, it will also save you from a panic-fuelled shopping spree a week before you go home for Christmas, when you've just realized you forgot to get presents for your friends, family members, and the neighbour's dog. 

To help you up your Christmas game – and help you form a strategy while also giving you inspiration – we rounded up some of the most wished for electronic gadgets on Amazon UK below: 

Amazon Echo

The Amazon Echo, a smart wireless speaker you can talk to, was released last September, but is already apparently extremely popular in Britain as it's the second most-wished for item. Rather unsurprising, since the voice-enabled personal assistant Alexa (Amazon's answer to Siri and Cortana), will order takeout, a cab, switch your lights off, and much more.  

Amazon Echo, £149.99



Amazon Echo Dot

The Amazon Echo's little brother is the perfect option for those of us who already have a home sound system. It's a third of the price of the Amazon Echo, but just as useful and fun to use.

Like the Amazon Echo, the Dot lets you control your smarthome devices thanks to its voice-enabled assistant Alexa so you can dim the lights, switch the heating on and more by just asking your very own virtual assistant.

If you want to give someone the perfect Christmas gift under £50 this winter, the Dot might just be a winner. 

Amazon Echo Dot, £49.99



COULAX Wireless Sports Earphones

These ultra-lightweight sports wireless headphones are a great way to enjoy your favourite music while (literally) on the run. Crystal clear sounds and powerful bass make it a great option for those who don't want to burn a hole in their wallet.  

COULAX Wireless Sports Earphones, £25.99



See the rest of the story at Business Insider

The 7 most shocking Scientology allegations we learned from Leah Remini's new show

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Leah Remini continues her quest to expose the truth about her former religion, Scientology, on her new series, "Leah Remini: Scientology and the Aftermath."

With the eight-episode series, Remini set out to document the stories of alleged abuse from former Scientologists, including her own 30-year experience belonging to the organization. But the former "King of Queens" star said at the top of this week's highly rated premiere that she found out more than what she set out to find.

"When I first started filming this show, I thought I would just be documenting stories of families that were torn apart by the Church of Scientology’s policies and practices," Remini said. "But what I uncovered was much deeper and darker than I ever expected. What you’re about to see sheds light on the truth of what’s really going on with this church, a church that I promoted, defended, and believed in most of my life."

The premiere episode focused on Amy Scobee, a former high-ranking Scientology executive assigned to the religion's Celebrity Centre. After leaving the organization, she reunited with her mother, Bonny Elliott, and defied the religion's rule of disconnecting from family and friends who are labeled enemies of the church.

Scientology allegedly tried to get the show pulled from airing, which led to Remini demanding the church pay her $1.5 million in damages. The church called her request "extortion" and maintains that the stories of its alleged abuses in the series are false.

Here are the seven most shocking revelations about alleged happenings in Scientology from the show's premiere episode:

 

 

 

SEE ALSO: Leah Remini's new Scientology expose TV show has giant ratings

DON'T MISS: Scientology created a website to bash Leah Remini and her new TV show of 'liars'

1. Remini's eventual split from Scientology began at Tom Cruise’s wedding to Katie Holmes.

In November of 2006, Remini attended the lavish wedding of Scientology "messiah"Cruise and the former "Dawson's Creek" star. While at the wedding, she realized that Shelly Miscavige, Scientology leader David Miscavige's wife, wasn't at the wedding. That made Remini curious, so she said she innocently asked about Shelly's whereabouts and got a very harsh response.

"In my mind, I’m a parishioner but I’m also just a human being asking where another human being was," she said on the show. "The response that I didn’t have f---ing rank to be asking about a human being, it spoke to the person in me that doesn’t like to be bullied. And that's what started me questioning the church more and more."



2. When parishioners are being interrogated for bad behavior, they pay for the sessions.

While Remini told of being interrogated by Scientology officials for questioning the faith, she mentioned that Scientology charges the members hundreds of dollars per hour while in interrogation sessions.



3. Recruiting celebrities to Scientology is one of the faith's highest missions.

"Scientology concentrates on collecting celebrities," Scobee said.

She said that the goal was to make celebrities "walking success stories of Scientology."

Remini added, "The Church of Scientology is a business. And like any business, they like to have a celebrity selling it."



See the rest of the story at Business Insider

Here's what one top VC firm predicts will happen to tech startups in 2017

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Accel

Accel is an early & growth-stage venture capital firm and is known for its investments in Facebook, Slack, and Dropbox. This is the firm's annual presentation on what the tech environment is like for founders today and what will happen in 2017, republished with permission.

This November, we gathered our global founders and CEOs in San Francisco for our Accel Connect event. For part of the day, we discussed the current environment, independent of founders’ stage, as well as the changing requirements for building great, enduring companies. It’s a day we look forward to each year.

It’s also where we (Accel) attempted to synthesize a year’s worth of our own thinking: what’s happened in the markets, what trends caught our attention, and how have our own theses evolved. If successful, we ground our founders in the current state of affairs, while keeping an eye on what’s to come in 2017.

We’ve been talking to folks around our community about the discussion at Connect. Based on feedback, we wanted to share some of the presentation. Though it’s slightly “dated” (the material was built pre-election) and curated (for Accel’s global CEOs), we hope there are some nuggets of wisdom that can be useful in your own thinking — whether as a founder, employee, investor, or just an interested observer.

We’ve linked to the deck below, but to summarize:

1. It’s an incredible time to be a technology entrepreneur.

The leverage afforded to founders today is immeasurably greater than what previous generations had. For one, companies can be global from the start. Whether you intended it or not, your addressable markets have multiplied through the reach of direct-to-consumer distribution channels — app stores and cloud platforms supercede physical borders. Global reach is rarely penned into an initial business plan, but it quickly becomes the norm.

zuckerberg

Winning these global markets no longer requires the intensive efforts of bottoms up product development. Today’s startups combine scalable, pre-built components from public cloud vendors, API services and the open source community, and deploy them on broadly installed open platforms (mobile, web, Android, Linux). Platform openness means fewer gatekeepers (between a startup and its customers), and fewer technical dependencies. Teams build faster and keep more of the economics.

Relatedly, open platforms are quickly seeping into large, unaddressed portions of the economy, allowing founders to finally touch historically closed ecosystems like automotives, satellites, unmanned aerial vehicles and robotics. These spaces are refactoring real-time atop open infrastructure. We’re funding more startup activity in these frontier spaces than we even could have predicted at our last Connect event.

Put simply, it’s a great time to be a founder. There are more accessible end-markets to serve, via more open and mature platforms, with more already built for start-ups than ever before. Consider that many large, independent technology companies were built with far fewer supportive inputs than one has today.

2. A rising “new guard” are officially the most valuable companies in the world: Apple, Alphabet/Google, Microsoft, Amazon, Facebook.

We’re witnessing a staggering rotation of economic value. Out of incumbent “old guard” companies in the financial services, industrial, and consumer products spaces. And into “new guard” companies centered around software, data and technology-enabled services. You may have noticed that this year, for the first time, the top 5 companies by market cap are all technology-native businesses*. This is a huge shift from even ten years ago, when household names like Exxon, Walmart, GE and Citi ruled the S&P.

Don’t blink, because rising in the East are a set of equally formidable tech “giants” in Tencent, Alibaba, and China Mobile, each of which cracked the global top 15 this year. These companies are fast adopting (and often times, inventing) new bases of value that support lucrative scale: networks, data, and the interconnection of broad communities, consumers, and businesses.

satya nadella

And none of the aforementioned companies endured grueling hundred-year-company-building efforts. The median age of the “new guard” is closer to 15–20 years, versus 75–100 years for the incumbents who ruled the decades before. In fact, we’re anticipating a handful of IPOs in the coming 18–24 months, some valued in the tens of billions, for companies who’ve just crossed their 5th birthday. Joining these ranks just doesn’t require the sort of multi-generational company building we’ve seen before.

3. But of course, it’s important to stay disciplined.

The last two quarters in 2016 saw the beginnings of a VC reset, a cooling in what were otherwise hot and active funding markets for much of this tech cycle. Today, there’s a premium applied to disciplined and sustainable growth — keeping an eye on unit economics and go-to-market efficiency will be critical for consumer and enterprise companies alike.

Though by no means a hard-and-fast measure, public markets now apply their own “Rule of 50” when evaluating technology stocks: those whose growth rates (%) and FCF (%) exceed the 50% mark are given meaningful premiums to those who don’t. At scale, companies like Atlassian and ServiceNow are growing at strong quarter-over-quarter rates while also sustaining clear business model leverage. These companies support dramatically different valuation multiples relative to companies with lower leverage models.

Entrepreneurs needn’t underinvest to prematurely hit profitability. But they should internalize how today’s public tech leaders are being valued. In many cases, this means thinking early and often about how to architect product and distribution together as a single, efficient offering. “Product” is no longer just the bits of software, it’s also how the software is sold, supported and made successful.

4. We’re seeing an acceleration of M&A activity and a growing IPO pipeline through the end of 2016, but the bar remains high.

Exceptional companies get bought, especially when buyers can rationalize a target with future revenue goals and product roadmaps in mind. Salesforce’s acquisition of RelateIQ in 2014, was less about consolidating the CRM space, and more about acquiring the foundation for Salesforce’s roadmap around data-centricity, artificial intelligence, and intelligent workflow. This “acquiring-into-my-future” effect drives strategic premiums and can often be the best motivation to catalyze a transaction.

Relatedly, we’ve seen a rush of non-tech incumbents active in private tech markets as of late. Whether Walmart+Jet, Unilever+Dollar Shave Club, Under Armor+MyFitnessPal, non-tech incumbents are not naive to the market refactoring described earlier**; how quickly can one be left behind by missing a critical wave? For many, spending 1–5% of current market cap is easy algebra if it means mitigating big existential threats and/or forwarding investing in the evolution of an existing market. This will keep a number of “non-obvious” acquirers active well into 2017.

Marc lore jet.com

It’s a great time to be an entrepreneur. It’s a great time to be investing in entrepreneurs. Consider that Facebook was in the room for our CEO day just a decade ago, and today they’re the 5th most valuable company in the world.

For those founders lucky enough to be sitting at the intersection of a massive market, a high-performing team and great product, it’s incumbent on you to stay the course — keeping apprised of market conditions, but pushing forward aggressively for all that’s possible.

For the rest of us, let’s get back to work and continue to embrace the grind.

*In order as of 11/22/16:

  • Apple — $596B
  • Alphabet/Google — $551B
  • Microsoft — $478B
  • Amazon — $372B
  • Facebook — $348B

**Bloomberg dug into the numbers here too.

SEE ALSO: A top VC firm just put together a striking presentation on what it was like for startups in 2016







See the rest of the story at Business Insider

These are the top 10 people who ruled Instagram in 2016

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selena gomezInstagram has released the numbers for the top-followed accounts of 2016, and pop star Selena Gomez has snagged the top spot with 103 million followers, unseating Taylor Swift (93.6 million).

Women dominated the top spots, taking the first five spots and eight of the top 10. Cristiano Ronaldo (No. 6) and Dwayne "The Rock" Johnson (No. 8) were the only men who made the list.

As to whose star is rising the fastest, Gomez and Ronaldo gained the most followers in 2016, at 50 million and 42 million respectively, according to People.

Here is the full list:

SEE ALSO: Instagram finally revealed who has the most followers in the world — here are the top 5

No. 10: Kendall Jenner — 68.9 million followers



No. 9: Nicki Minaj — 69 million followers



No. 8: Dwayne Johnson — 71 million followers



See the rest of the story at Business Insider

A startup headed by a former Tesla exec will show its electric sedan on December 14

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lucid motors car

Lucid Motors, a startup formerly known as Atieva that's based in Fremont, California, will show off its electric sedan in mid-December.

The startup emailed invitations on Friday to members of the press for the reveal, which will take place at Lucid Motors' prototype shop on December 14. Lucid Motors will also offer rides in the "executive sedan" at the reveal.

Lucid Motors wrote on its website that the car will come with automated driving systems.

lucid motors invite

Peter Rawlinson, the former vice president and chief engineer for Tesla's Model S, is the chief technology officer of Lucid Motors. Bernard Tse, a former Tesla vice president and board member, helped co-found the company before he was ousted as CEO following friction with its largest shareholder, Beijing Automotive Industry Holding, in April, The Guardian reported at the time.

Sam Weng, who currently serves as Lucid Motors' COO, also helped found the company. Lucid Motors has yet to name a new CEO following Rawlinson's departure.

Lucid Motors has released a series of videos featuring its tech in a van dubbed Edna. The most recent video, from October, indicated that the vehicle was able to accelerate to 60 mph in 2.74 seconds.

Lucid Motors executives told Reuters in June that the company was planning to get the electric premium sedan on the road in 2018, with luxury crossovers slated to arrive in 2020 or 2021.

Recode's Mark Harris retrieved an image of Lucid Motors' electric sedan via a public records request in October:

atieva electric car

A Lucid Motors spokesperson told Business Insider that the image is an early concept that is not representative of the car that will be unveiled in December.

The spokesperson said Lucid Motors' manufacturing facility will be built in Casa Grande, Arizona in 2017.

LeEco, a Chinese internet company founded and run by Chiense billionaire Jia Yueting, is a minority investor in Lucid Motors. Yueting is also an investor in electric car start-up Faraday Future.

Faraday Future is preparing to unveil an electric car at the Consumer Electronics Show in January, but the automaker has faced setbacks, such as halted construction on its $1 billion factory in Nevada.

LeEco raised $1.08 billion to develop its electric car, the LeSee, in September. The news came about a month after LeEco invested $1.8 billion to build an electric-car plant in eastern China with eventual annual production capacity of 400,000 cars.

Yueting wrote in a letter to staff in November that LeEco is facing a shortage of cash from over expansion.

LeEco showed off its electric concept car, the LeSEE, in a video in April. The company was supposed to show the car to the public during its US launch event in San Francisco in late October, but said the car got into an accident before the event.

Lucid Motors has released some teaser images of the car, which you can see below:

SEE ALSO: China's Tesla killer just raised $1 billion for its electric car project — here's everything we know about it







See the rest of the story at Business Insider

Japanese hostels let bookworms sleep in hidden bookshelves

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book bed 3

THE INSIDER Summary:

• Book and Bed hostels in Japan allow guests to sleep in hidden bookshelves for $40 a night.
• There are about 5,000 books (mostly Japanese but with some  English titles) that guests can read late into the night.
• There's one outpost in Tokyo, and another in Kyoto.



What bookworm hasn't dreamt of spending a night in a library or bookstore? 

In Book and Bed hostels in Japan, guests can spend the night in bunks built into wooden bookshelves, whiling away time by reading piles of books late into the night.

Book and Bed has two bookstore-themed hostels in Japan.



One branch is in Tokyo, the other in Kyoto.



Instead of bedrooms, guests sleep in cubbies nestled in floor-to-ceiling bookshelves.



See the rest of the story at Business Insider

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

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nina palu sulawesi indonesia

A month before her 26th birthday, Nina Ragusa landed in Bangkok, Thailand.

She had been living in Tampa, Florida, preparing and saving for open-ended travel for the past two years.

During the day, she worked at a foreclosure law firm, and a few nights a week, she moonlighted at bars and promotional events.

About five years later, Ragusa has only been back to the US twice.

In the meantime, she told Business Insider via email from her current home in Darwin, Australia, her adventures have included:

"hiking down through a volcanic crater to see blue flames coming out of the ground in Indonesia, drinking from coconuts and jet skiing at a lagoon in Mozambique, rock climbing on some of the most incredible karsts in Krabi, Thailand, snorkeling with blacktip reef sharks in Malaysia, wandering ancient temples and seeing a friend's father and brother become monks, eating everything as you walk down the chaotic market streets, and hiking with orangutans on Sumatra."

You can follow her adventures on her website, Where in the World Is Nina, or through her Facebook or Instagram.

Below, Ragusa told Business Insider what it's like to stay abroad for five years, what everyone gets wrong about long-term travel, and how she affords it.

SEE ALSO: A couple who ditched their 9-5 jobs years ago to travel the world explain how they afford it

In the two years of working before she left, Ragusa saved $16,000. She used $10,000 of that to pay off credit-card bills and prepay eight months of her ~$30,000 student loans.

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In Chiang Mai, Thailand.



She arrived in Bangkok in May 2011 with $6,000 in her pocket and a newly minted TEFL certification she'd gotten in the US, certifying her to teach English.

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In Mae Hong Son, Thailand.



"I'm not rich, but I definitely want to stay longer than a couple of weeks, longer than a few months," she said she had realized. "I decided to teach English so I could make money while living abroad and traveling."

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With English students in Thailand.



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9 horrible body language habits that are hard to quit

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It's not what you say, it's how you say it.

It's an old cliché, but it's true. That's why body language is such a crucial part of communicating. The way you act can warp the entire meaning of what you're saying.

That being said, bad body language habits are the often hardest ones to break. We become so accustomed to slouching, averting our eyes, or folding our arms that we barely even notice what we're doing.

Here are several body language mistakes that are going to be tough to ditch. Still, if you're able to quit them, you'll definitely thank yourself later.

Fidgeting

If you've gotten into the habit of fidgeting, it can be difficult to snap out of it. However, it's important to take steps to reigning in this nervous habit.

Fidgeting demonstrates nervousness and a lack of power, as body language expert and "The Power of Body Language" author Tonya Reiman previously told Business Insider.



Playing with your hair

Leave your hair alone. Constantly running your hands across your scalp and twirling your locks is pretty distracting. Plus, as ABC reported, it can damage your hair overtime. It can
be hard to quit, so try playing around a stress ball instead of your hair.



Adopting a defensive pose

Many people naturally cross their arms or hunch over a bit just because they don't know what to do with their hands.

However, this posture can make you look uncomfortable, defensive, or untrustworthy.

"You should always keep your hands in view when you are talking," Patti Wood, a body language expert and author of "SNAP: Making the Most of First Impressions Body Language and Charisma," previously told Business Insider. When a listener can't see your hands, they wonder what you are hiding."



See the rest of the story at Business Insider

14 things that are harder to get into than Harvard

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harvard business school hbs graduation

Harvard is one of the most prestigious universities in the world.

The Cambridge, Massachusetts, school accepted just 5.2% of roughly 39,000 applications for its class of 2020. As Harvard President Drew Gilpin Faust said in 2014, "We could fill our class twice over with valedictorians."

The school seeks out students who not only have high grades, but also have outstanding achievements under their belts — from overcoming homelessness to starting their own nonprofits. The students who manage to catch the attention of admissions officers overcome exceptional odds, but they should maintain some perspective.

Many things in life — like landing a job at some Wal-Mart locations — are harder to achieve than getting into that prestigious university.

Ben Winsor and Christina Sterbenz also contributed to this story.

A spot at one of New York City's top elementary schools

The elementary admissions process in New York City is utterly grueling. Among exemplary schools, one stands out as the gold-standard:Hunter College Elementary School.

Each year, Hunter chooses 25 girls and 25 boys from all of Manhattan to be admitted to its incoming kindergarten class.

They're hand-selected from a pool of about 2,500 applicants, according to the website Inside Schools. That makes the acceptance rate for Hunter 2%. 

 



A job as an NBC page

Landing an internship-like role in the National Broadcasting Company's page program is competitive to say the least. Famously, the character Kenneth Parcel was a page on 30 Rock.

For example, in 2016 there were 2,600 applicants for 120 positions, for a 4.6% acceptance rate.

The NBC page role is a year-long entry-level role where employees perform PR responsibilities among other tasks depending on their department.



A spot at an innovative startup college

College startup Minerva Schools has received 16,000 applications for 306 available places this year, the Financial Times reported.

Its model vastly differs from what four years of school at other prestigious colleges resemble. Students don't stay in one place during their four-year education.

They spend time in up to seven residence houses in San Francisco, California; Berlin, Germany; Buenos Aires, Argentina; Seoul, South Korea; Bangalore, India; Istanbul, Turkey; and London, England.

At 1.9%, the acceptance rate for the unconventional college is far lower than at Stanford.



See the rest of the story at Business Insider

This beautiful village of affordable cottages might be the best place to retire

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serenbe

As people age into their 70s and 80s, some choose (often reluctantly) to move into retirement homes.

A new community and village, called Mado, aspires to become a place where residents can age in place. Although residents of all ages can live there, a portion of single-story homes will be designated for buyers aged 55 and up.

The idea is that if they move there in late middle-age, they won't need to move.

Located in northwestern Georgia, Mado will feature medicinal gardens, community activities, and housing. It will be the third village at Serenbe, a community of nearly 500 people of all ages.

Mado's construction started this past summer, and the first residents will move in this month, Serenbe co-founder Steve Nygren, aged 70, tells Business Insider. Homes will cost between $300,000 and $800,000, and rental apartments will be available at $1,000 a month.

Take a look inside.

SEE ALSO: These beautiful tiny homes cost less than $20,000 to build — take a look inside

Serenbe is an urban village, meaning it prioritizes medium-density housing, walkability, and public space.



Located in Chattahoochee Hills outside Atlanta, the site features a 25-acre organic farm, seasonal farmers markets, art galleries, and a range of public events.

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In total, Mado will have 380 housing units, including cottages, townhomes, large houses, and loft apartments for residents of all ages.



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9 appearance mistakes that could be holding you back at work

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wrinkled clothes

You do your job well, you add value to your team, and you contribute to the company's bottom line — and yet, you haven't been promoted in years.

Can't figure out why?

Well, it turns out that your professional success doesn't depend entirely on your work ethic and performance.

A survey from CareerBuilder shows that hiring managers seriously consider a professional's appearance when deciding whether to promote them to a higher position.

In a perfect world, we would only be judged by the work we do — but that's not the case. Especially in the corporate world, appearances matter ... a lot.

More than 2,000 human resource managers across the US participated in the survey and cited these nine (superficial) factors as things that would dissuade them from promoting an employee:

  • 44% were less likely to promote an employee who wore provocative clothing to work.
  • 43% were less likely to promote an employee who wore wrinkled clothes.
  • 32% were less likely to promote an employee with piercings other than traditional ear piercings.
  • 27% were less likely to promote an employee who frequently wore clothing that was too casual for the workplace.
  • 27% were less likely to promote an employee with visible tattoos.
  • 25% were less likely to promote an employee with an unprofessional hairstyle.
  • 24% were less likely to promote an employee with constant bad breath.
  • 21% were less likely to promote an employee who wore too much perfume or cologne.
  • 15% were less likely to promote an employee who wore too much makeup.

Your best bet is to always look as professional as possible and follow your company's dress code.

Darlene Price, president of Well Said, Inc., and author of "Well Said! Presentations and Conversations That Get Results,"previously told Business Insider that it's "so important to be aware of dress codes and understand what they mean."

"Though dress is a very personal matter, it is a very public and professional matter on the job. Employees are expected to comply with company standards," she explained.

The problem is, these can be hard to decipher.

She said during her 20-plus years working as an executive coach, one of the most frequent career roadblocks she has observed is inappropriate dress in the workplace because "people don't completely understand what all the different dress codes mean."

To help, here are some examples of appropriate "business casual,""smart casual," and "boardroom formal" outfits:

SEE ALSO: Here's what the 'smart casual' dress code really means

Business casual

There is no general agreement on the definition of the term "business casual."

"It depends on several factors including the industry, size of the company, number of employees, amount of interaction between employees and customers, geography, climate, culture, and average age of the workforce,"Price said.

At most companies, however, the "business casual" dress code encourages employees to project a "professional, business-like image while enjoying the advantage of more casual and relaxed clothing," Price explains.

Appropriate business casual dress typically includes slacks or khakis, dress shirt or blouse, open-collar or polo shirt, optional tie or seasonal sport coat, a dress or skirt at knee-length or below, a tailored blazer, knit shirt or sweater, and loafers or dress shoes that cover all or most of the foot.

Always make sure your clothing is ironed and not too revealing.



Smart casual

"Smart casual" is also interpreted differently in many workplaces.

At most companies, however, the "smart casual" dress code is a step up from "business casual," but not as formal as "boardroom attire." It's neat and professional — but still informal.

"The key look in this dress code is a chic, put-together ensemble," Price said. "It fashionably combines elements from the other dress codes, such as a nice pair of dark slacks, with a coordinated dressy blouse, jacket, and scarf, or a nice pair of trousers with a button-down shirt and sport coat."

HR expert Susan M. Heathfield writes in an About.com article: "The smart casual look allows flexibility for personal taste in fashion and includes jackets, outfit-enhancing jewelry, dress pants, dress shirts, skirts, tailored sweaters, vests, ties, matching leather accessories, and leather pull on shoes and boots. Smart casual dressing is often adopted by employees who want to look ready for their next promotion."

Also remember to keep your hair and makeup work-appropriate ... and don't overdo it on the cologne or perfume.



Boardroom formal

Being a member of the C-suite, or a business partner or guest of the C-suite, "comes with the need for some kind of tactfulness and respect — and what you wear plays a big role," Sylvie di Giusto, author of "The Image Of Leadership,"told Business Insider.

When it comes to the "boardroom formal" dress code (also known as "business formal"), employees are expected to project a professional image and convey executive presence, Price added. "Most often, employees following this dress code are meeting face-to-face with customers, clients, senior management, and key stakeholders in the industry who expect and require the proper protocol of professional business attire."

The standard "boardroom formal" attire for men is a dark suit (navy, black, or charcoal), a white dress shirt, a subtle-patterned tie and socks, and black dress shoes. "I also recommend a high-quality accessory, including a wristwatch or attaché case," di Giusto said. "Less is more."

For women, appropriate boardroom attire includes either a two-piece matched pantsuit, skirt suit, or dress (hem no higher than one inch above the knee) in traditional colors such as black, navy, grey, or brown; a collared dress blouse or shell; black or neutral hosiery; closed-toe dress shoe, such as a pump; and conservative accessories, Price said.

"In general, paying attention to the visual details of your look conveys preparation, planning, and respect for those whom you meet," di Giusto added. "The way you respect yourself also sets the standards on how others will respect you."



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8 signs you're in a strong relationship — even if it doesn't feel like it

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Dancing

Here's the thing about relationships.

Sometimes they're candlelit date nights, walks through grassy meadows, and feeding each other cake at your wedding.

But sometimes they're doing the dishes, comforting a screaming baby, and fighting over whose turn it is to do the dishes or comfort the screaming baby.

Which is to say: While sometimes your love and passion for each other is obvious, sometimes it's really, really not.

So how do you know if your relationship is terrific — or heading south?

Psychologists have spent years studying the traits that are fundamental to successful long-term relationships and have come up with a few key ideas. We rounded up some of their most surprising insights below.

A word of caution: If you notice that your relationship doesn't meet all these criteria, that does not necessarily mean you should end things with your partner. Consider this list a general set of guidelines that can help you start evaluating whether your current relationship is bringing you satisfaction and happiness.

SEE ALSO: 15 relationship facts everybody should know before getting married

You think about your partner often when you're not together.

In 2007, researchers randomly dialed nearly 300 married people and asked them a series of questions about their relationships and how in love they felt.

Results showed that certain relationship characteristics were linked to stronger feelings of love. One especially interesting finding: The more often people reported thinking about their partner when they were apart, the more in love they felt.

The same study included a follow-up experiment with nearly 400 married New Yorkers, which found that difficulty concentrating on other things while you're thinking about your partner is also linked to strong feelings of love — especially for men.



You respond positively to each other's good news.

Business Insider's Lauren Friedman reported that one litmus test of a happy relationship is how enthusiastically each partner responds to the other's good news.

A Psychology Today blog post breaks down four ways a man could respond after his partner tells him about a promotion at work:

  • An active-constructive response from him would be enthusiastic support: "That's great, honey! I knew you could do it, you've been working so hard."
  • A passive-constructive response would be understated support — a warm smile and a simple "That's good news."
  • An active-destructive response would be a statement that demeaned the event: "Does this mean you are going to be gone working even longer hours now? Are you sure you can handle it?"
  • Finally, a passive-destructive response would virtually ignore the good news: "Oh, really? Well you won't believe what happened to me on the drive home today!"

Perhaps unsurprisingly, the response that's most closely linked to relationship satisfaction is the active-constructive response.



You spend some time apart, with your own friends.

Over the past few decades, we've started placing increasing demands on our spouses. As Business Insider's Jessica Orwig reported, no longer do we expect them to be financial partners, protectors, and companions — now we also want them to provide personal fulfillment.

The psychologist who produced some of these findings, Eli Finkel, suggests that if you want to be happy in your marriage, it's best not to look to your partner for all your existential needs. Finkel recommends finding yourself in hobbies, friends, and work.



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The 5 best new songs you can stream right now

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j coleNow 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, J. Cole seemed to diss Kanye West in a new song, and the Rolling Stones released a spirited blues cover album. 

Check out this week's best new songs:

SEE ALSO: The best new songs to stream: A Tribe Called Quest, Childish Cambino

J. Cole — "False Prophets"

J. Cole released a 40-minute documentary in anticipation of his upcoming album, "4 Your Eyez Only" (due out December 9). In one of the featured songs, "False Prophets," Cole seems to sharply address Kanye West, his former "hero" who he thinks is "falling apart but we deny it," over a recycled Joey Bada$$ beat.   

Listen to the song at the 30:40 mark in the doc below:

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Childish Gambino — "Have Some Love"

Aside from its two previously released singles, "Have Some Love" is the sole standout from "Awaken, My Love!" a largely lackluster new album by Childish Gambino (Donald Glover). The uplifting track finds Glover playing the lead in a Sly and the Family Stone-style soul anthem. 

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Run the Jewels — "Legend Has It"

Killer Mike and El-P return with their signature intense verses and eccentric production on the lead single for their forthcoming, third "Run the Jewels" album. 

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MEET THE NEW EXECUTIVE BRANCH: Here's who Trump has appointed to senior leadership positions

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reince priebus steve bannon kellyanne conway

President-elect Donald Trump has a lot of key positions to fill in the coming weeks that will shape his next four years in office.

While rumors have been flying around about who he will appoint (some of which we've included here), Trump has so far made 12 Cabinet-level hires.

We'll update this list as he announces more senior leadership positions, but here's what we know so far:

SEE ALSO: Trump's choice for CIA director once said US Muslims who don't reject terrorism are 'complicit' in it

DON'T MISS: Trump's new national security adviser is under fire for his views on Russia, his business ties to Turkey — and his tweets

Gen. James Mattis, Defense Secretary (pending Senate waiver and confirmation)

Obama administration counterparts: Robert M. Gates, Leon Panetta, Chuck Hagel, Ashton Carter (current)

Duties: lead the military, serve as "deputy commander-in-chief"

Mattis' former job: Marine General

Bio: Mattis, 66, graduated from Central Washington University in 1971, enlisting in the Marine Corps and participating in ROTC while he was there. He quickly worked his way up the ranks of the Marines while fighting in the Persian Gulf, Afghanistan, and Iraq wars. By 2007, he was a four-star general leading the Joint Forces Command, which coordinates the branches of the military into one cohesive unit. In 2010, President Obama appointed Mattis to lead Central Command, coordinating military actions in the Middle East. He retired from the Marines in 2013. Mattis has never been married and doesn't have any children.

Reactions:Marines consider Mattis a warrior and he is well-respected by other service members. He has come under fire in the past for controversial admissions, however, like when he said in 2005 that it was "fun to shoot some people." Still, senators on both sides of the aisle have praised the pick, though they would have to waive a law requiring service members to wait seven years before becoming Defense Secretary to provide checks and balances. Sen. Kirsten Gillibrand of New York said she won't vote to waive the requirement, but Mattis likely has enough votes to clinch the nomination.



Commerce Secretary: Wilbur Ross (pending Senate confirmation)

Obama administration counterparts: Gary F. Locke, John E. Bryson, Penny Pritzker (current)

Duties: promote American commerce and businesses

Ross' former jobs: Trump campaign's senior adviser on trade

Bio:Ross, 79, graduated from Yale University in 1959 and got his MBA from Harvard in 1961. He began his career at Rothschild, spending the next 25 years working on bankruptcy and restructuring. There, Ross helped engineer a restructuring of hundreds of millions of dollars in debt owed on Trump's Taj Mahal casino in Atlantic City, New Jersey in 1990. He founded the private equity firm WL Ross & Co. in 2000, which Invesco acquired in 2006. With a net worth of $2.9 billion, Ross ranks 232nd on 2016's Forbes 400 list. He has two daughters with his first wife, Judith, whom he divorced in 1995. Ross is now married to his third wife, Hilary Geary.

Reactions: There hasn't been much opposition to Ross' appointment. Some critics did bring up his billionaire, insider status and the fact that his coal company oversaw the Sago Mine disaster that killed a dozen people in 2005.



Treasury Secretary: Steven Mnuchin (pending Senate confirmation)

Obama administration counterparts: Timothy F. Geithner, Jack Lew (current)

Duties: serve as the president's principal economic adviser, manage the public debt, set US tax and fiscal policy 

Mnuchin's former jobs: Goldman Sachs mortgage bond trader, Hollywood producer

Bio:Mnuchin, 53, graduated from Yale University in 1985. He worked at Goldman Sachs, where his father was also a partner, for 17 years, dealing mainly in mortgage bonds and amassing an estimated $40 million. Mnuchin left the bank in 2002, founded his own hedge fund, Dune Capital Management in 2004, and produced several Hollywood movies. He and his first wife had three children together, and he is now engaged to actress Louise Linton, who would be his third wife.

Reactions: As Business Insider's Matt Turner writes, there's a long list of reasons why people might not like Trump's pick for Treasury secretary. Sens. Elizabeth Warren and Bernie Sanders skewered Mnuchin's status as a hedge fund manager who worked at a large financial institution like Goldman Sachs — two things Trump called out on the campaign trail, as well.



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US military veterans build shelters for Dakota Access pipeline protesters as the Justice Department vows to protect them

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US military veterans were building shelters for North Dakota pipeline protesters this week as the Justice Department reaffirmed its commitment to the demonstrators' First Amendment rights and to their safety on Friday.

Protesters have been occupying land near the site of the multibillion-dollar Dakota Access pipeline project for months. As winter begins to set in, authorities have begun warning protesters that they need to leave.

The demonstrators said they're not going anywhere.

More than 2,000 US veterans arrived at the Oceti Sakowin camp in North Dakota on Thursday, and have volunteered to form human shields to protect pipeline activists from police.

The protesters also received a nod from US Attorney General Loretta Lynch on Friday, who said “we remain in close communication with law enforcement officials, tribal representatives, and protesters in an effort to reduce tensions and foster dialogue."

Lynch announced that mediators were being sent to the site "to help support constitutional law enforcement, prevent violence, and to preserve peace and liberty in the protest area."

Here are some photos of US veterans lending a hand to protesters.

Veterans, who signed up on the Veterans Stand for Standing Rock group's Facebook page, are joining protesters who are determined to protect the sacred land from the Dakota Access pipeline project.

Source: Reuters



Members of the Oglala Lakota tribe build a tipi inside the Oceti Sakowin camp.



State officials on Monday issued an emergency order to evacuate the snowy camp, but later said it will not enforce the decision.

Source: Reuters



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The 13 richest hedge fund managers in Britain

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The last couple of years have been rocky for hedge fund managers following a rollercoaster ride in the commodities markets.

Hedge fund manager Crispin Odey saw his wealth melt by £200 million ($287 million) this year to £900 million, according to the Sunday Times Rich List, released on April 24.

Alan Howard, the cofounder of Brevan Howard, also fell from the number one spot after a devastating £460 million plunge in his wealth over the last year.

Next year's list is likely to reveal an equally tough year for hedgies. Sterling hit 31-year lows against the dollar in 2016, oil prices are still deflated, and Brexit is on the horizon.

The Sunday Times, which lists the 1,000 wealthiest individuals and families in the UK, ranked the richest hedge fund managers in Britain. Business Insider took a look at the top 13 below:

(All the ages of the people who made the list correspond to the time their fortunes were calculated, which was as of April 24, this year).

13. William Bollinger

Net worth:£400 million.

Age: 60.

Bollinger may have retired from the London-based Egerton Capital hedge fund he co-founded with John Armitage, but he still has a 50% stake in the group's parent company.

His wealth was boosted over 2015 after Egerton bet against energy stocks.



12. Andrew Law

Net worth:£425 million.

Age: 49.

The former Goldman Sachs trader is the chairman, chief executive, and major shareholder in New York-based hedge fund Caxton Associates.

He was born in Manchester and sponsors the educational sector's Multi Academy Trust in Greater Manchester. He and his wife also run the Law Family Charitable Foundation.



T=10. Ian Wace

Net worth:£465 million.

Age: 52.

Wace, one of the duo that makes up the Marshall Wace, sold a 25% stake in their hedge fund to the US private equity group KKR, making £50 million.

Both Wace and Paul Marshall also gained £93 million worth of KKR shares in the deal. Here he is (far right) with another fund manager, Arpad Busson, and the Duke and Duchess of Cambridge.



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A day in the life of Deliciously Ella, the 25-year-old Instagram star who runs a food empire

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Deliciously Ella Main

At the age of 25, Ella Mills has nearly a million Instagram followers and a blog that has seen over 100 million hits since its launch in 2012.

She operates two delis and a festive food pop-up in London, has her own brand of snacks in retailers like Waitrose and Starbucks, and a number one food and drink app. If that wasn't enough, she is about to launch her third cookbook. Her first was the fastest-selling debut cookbook ever in the UK.

So who is this unstoppable, brunette force of nature? You will likely know her as Deliciously Ella, the smiling face at the front of the clean, green, plant-based eating trend — and the woman behind t-shirts that read "Peace, Love & Kale."

But after spending some time with Ella and her husband and business partner Matthew Mills, Business Insider discovered there is much more to the health food advocate than leafy greens. We followed the Mills couple for a day to see what it's really like to be Deliciously Ella.

Meet 25-year-old Ella Mills, previously Ella Woodward.



She is daughter of former Tory MP Shaun Woodward. Her mother is Sainsbury's heiress Camilla Sainsbury.



You probably know her as Deliciously Ella, the woman behind the eponymous healthy eating blog she started in 2012 during her time as a student at St. Andrew's University in Scotland.

Over the past three years, the blog has generated more than 100 million hits.

"With eating well there's a perception that it's depressing," Ella told Business Insider. "People think they're just going to meditate and eat kale. Our main aim as a company is to take natural food and celebrate it and make it delicious, vibrant and beautiful — something you want to be a part of rather than that push towards fad diets."



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What 17 super-successful people wish they knew at 22

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Richard BransonAt 22, you were just graduating from college, entering the "real world," and embarking on your professional journey.

Looking back, maybe you'd rewrite your past — or, perhaps you're content with the decisions you made at that time in your life. Either way, there are probably a few things you wish you knew then that you know now.

That's exactly what LinkedIn asked its network of top minds across all fields to write about for its "If I Were 22" editorial packages.

Successful thought leaders — also known as Influencers — shared original posts filled with pearls of wisdom for young people based on what they wish they had known at 22. Here's what 17 successful people had to say:

SEE ALSO: What Donald Trump and 24 other successful people were doing right out of college

DON'T MISS: The unglamorous first jobs of Donald Trump and 24 other successful people

Angela Ahrendts: Honor humility

If the Senior Vice President of Apple Retail were 22, she writes that she would frequently thank her family and friends, regardless of how small their gesture was.

"The world is not here to serve me, rather I am here to serve the world,"Ahrendts writes.

Read her full LinkedIn post here.



Suze Orman: It's OK to take time to figure out what you want.

When the personal finance guru was 22, she and a few friends left Illinois and headed to Berkeley, California, where she spent her days helping clear away trees and brush.

"That was followed by a seven-year stretch of waitressing,"she writes."It wasn't until I was 30 that I landed a job — as a stock broker trainee — that put me on the path that leads directly to where I am today."

She says she wouldn't suggest that every 22-year-old take eight years to find the path they want to pursue — but she does hope that they give themselves the time and space to figure things out.

"That's not a license for laziness. I worked, and worked hard, in my 20s. And I wouldn't trade the experiences I had during that time. But if there is a 22-year-old out there reading this and feeling adrift, I have this to say to you: Been there, done that. And look at me — it all turned out better than fine, right?"

Read her full LinkedIn post here.



Jim Kim: Get to know people from every income level and understand their worlds.

When the president at the World Bank turned 22, he was quite unhappy. He was just two months into his first year at Harvard Medical School, where he spent every night memorizing anatomy out of a textbook. "It seemed a real letdown," he writes.

In his late 20s, Kim travelled to Haiti, Peru, and Siberia to work in poor or disadvantaged communities. While many of the people he met there had almost nothing and were illiterate, he says they were incredibly wise, and you would be ignorant to underestimate them.

"Listen to the poor because their aspirations are as high as anyone's and all of us will need to face the task of making the world more inclusive and just," he says.

Read his full LinkedIn post here.



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