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8 TV shows you need to watch if you love 'The Walking Dead'

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the walking dead andrew lincoln amc

War with Negan is in the cards when AMC's "The Walking Dead" returns in a month.

But for hardcore fans, that's still an unbearable amount of time to wait. So what could fill the void "The Walking Dead" has left behind in our lives and TV schedules?

Business Insider worked with Taykey, an advertising technology company that can pinpoint specific audiences and analyze what's trending for them, to discover which shows dedicated "TWD" fans talk about most when they're not talking about "TWD."

Here are the eight most talked-about shows among "The Walking Dead" fans, according to Taykey:

SEE ALSO: Here's when all your favorite TV shows are coming back this year

DON'T MISS: The 22 most exciting new shows of 2017 you have to see

8. "Marvel's Agent's of S.H.I.E.L.D." (ABC)



7. "Doctor Who" (BBC America)



6. "Game of Thrones" (HBO)



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

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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 since he won the election, Trump now only has two official Cabinet-level appointments left to make. He's filled 21 such positions, and made dozens of other high-ranking hires. And the Senate confirmation hearings have alreadybegun.

We'll update this list as Trump announces the rest of the senior leadership positions, but here's what we know so far:

Cabinet All 21 1/11

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

Secretary of Veterans Affairs: Dr. David J. Shulkin (pending Senate confirmation)

Obama administration counterparts: Eric Shinseki, Robert A. McDonald (present)

Duties: lead the agency that provides medical benefits and care for the nation's veterans through the VA's 1,233 health care facilities, manage the national cemeteries

Reactions: While Shulkin himself is not a veteran, his father was an Army captain and he was born on a military base. President Barack Obama nominated him to be under secretary for health at the VA after cleaning house following the 2014 scandal finding that the agency's wait times were excessively long, jeopardizing its care of veterans.



US Trade Representative: Robert Lighthizer (pending Senate confirmation)

Obama administration counterparts: Ron Kirk, Michael Froman (present)

Duties: America's main trade negotiator, develop and recommend trade policy to the president, coordinate trade policy within the government

Reactions: Lighthizer lines up with Trump's stances on trade, particularly his harsh criticism of China, and even praised the businessman's trade policies in a 2011 op-ed in the Washington Times. Those who support free trade and disagree with Trump's views on the issue are therefore likely to disagree with Lighthizer, too. He does have experience serving in the executive branch, however — a characteristic many of Trump's Cabinet picks lack.



White House Press Secretary: Sean Spicer

Obama administration counterparts: Robert Gibbs, Jay Carney, Josh Earnest (present)

Duties: serve as the main spokesperson for the Trump administration, provide daily press briefings

Reactions: Spicer's appointment was largely expected because he stuck by Trump throughout the campaign as the communications director for the Republican National Committee.



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Here's how to use Marco Polo, the video messaging app that could replace Snapchat one day

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selfie

If you've ever wanted to recapture the magic of playing with walkie talkies as a kid, there's an app designed to do just that — 2017-style. 

Marco Polo bills itself as the "video walkie talkie," a video chat app that lets you send quick messages back and forth with your friends. 

Much like Snapchat, Marco Polo traffics in messages that are only a few seconds long. Unlike Snapchat, however, the app saves your videos so you can have a running conversation with your friend or a group of friends.

Marco Polo was created by a company called Joya Communications, which says on its website that its mission is "to help people feel close no matter the distance, enabling people to remain connected in convenient and meaningful ways."

The app has been around for more than a year, but is starting to catch on: It has a 4.4 rating on the Google Play Store (out of 5) and more than 84,000 reviews, and a 4.5 out of 5 on Apple's App Store. Marco Polo is also the eighth top free social networking app in the App Store.

And a quick Twitter search pulls up hundreds of tweets about the app. Some users complain about Marco Polo spamming their contacts — the app does ask to access your contacts during the set up, but it apparently has texted some users contacts in the past — but most tweets look a lot like this one:

Most users also mention using the app to communicate with their families— which means Marco Polo isn't just for teens.

Here's how to use it:

SEE ALSO: This beautiful credit-card-sized phone just might cure your smartphone addiction

After a quick setup (entering your phone number, adding a picture of yourself, etc.), the app takes you to your home screen. Here, you'll see tiles for each of your friends on the app. I had 10 friends on the app — including two of my sisters! — and was repeatedly given the option to invite others to join.



To get started, you can click on a friend's tile. It'll take you to this screen, where you can swipe between several different filters before recording your video. To record, you just hit the "Start" button.

I chose the "America" filter, meant to look like Shepard Fairey's "Hope" poster, in honor of President Obama's final days in office. 



I recorded a video message for my sister — called a Polo — which was just a few seconds long. Marco Polo is intended for quick back-and-forth messages, not long-winded voicemails.



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A former Stanford dean reveals the keys to successful parenting

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julie lythcott-haims

Julie Lythcott-Haims doesn't consider herself an expert on parenting, but she did write a book and give a TED talk about it.

Lythcott-Haims, a former dean of freshman at Stanford University, is the author of "How to Raise an Adult," and gave the 2015 TED talk "How to raise successful kids — without over-parenting."

In both, she argues that today's parents care too much about their kids' short-term happiness, rather than their long-term maturity.

Her remedies: She says parents should be authoritative but not authoritarian. She's a vocal champion for chores. And she urges parents not to rob their kids of the chance to fail.

You can watch Lythcott-Haims' full talk here, but here are the main points.

SEE ALSO: After watching over 50 TED talks, these are the insights that have stuck with me most

Lythcott-Haims worked as the freshman dean at Stanford from 1985 to 2012. During that time, countless kids came to her facing self-doubt and depression.



Day after day, she saw kids who were exceptionally bright yet fantastically brittle. They were also noticeably burnt-out.



"They're a little old before their time," she says in the TED talk, "wishing the grown-ups in their lives had said, 'What you've done is enough, this effort you've put forth in childhood is enough.'"



See the rest of the story at Business Insider

Morgan Stanley weighs in on the 9 big questions that will dominate Wall Street in 2017

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Stock market

Morgan Stanley has released a big report on the "Big Debates" of 2017, which highlights the key questions they think will shape global markets over the next 12 months.

Will protectionism hinder US growth? Will the bank stock rally continue?

Business Insider breaks down nine debates that will dominate Wall Street in the new year. 

SEE ALSO: Asia finds itself at a 'negative intersection' in an unpredictable world

1. Will protectionism hurt US growth?

There has been a major shift in American politics, on both sides of the aisle, away from free-trade and economic liberalism towards protectionism. 

While most analysts are in agreement that protectionist policies will negatively affect emerging markets such as Asia, there is not a consensus on its implications for the US. 

Morgan Stanley is not taking an optimistic stance:

"Under a more protectionist regime, there is potential for near-term upside in US growth, driven entirely by a narrowing of the trade balance. However, this would come at a cost of permanent output loss."

 



2. Will we see corporate tax reform?

It is very likely that there will be corporate tax reform in the US in 2017, according to Morgan Stanley, but what that reform will look like and the degree to which it will benefit the economy is still up for debate.

"The good news for investors and the economy is that Congress has the motive and the opportunity to execute tax reform in 2017 ... the bad news is that this stimulus may lack punch given the likelihood of resulting Fed hawkishness and potential corporate finance disruptions," the bank said.

 

 



3. Will border adjustments lead to an appreciation of the USD?

One of the cornerstones of Donald Trump's campaign was a promise to impose taxes on imports into the US, or border adjustments, in order to buoy America's ailing manufacturing sector.

Traditionally, Republicans have not been in favor of implementing such taxes, but as of late it looks like some key GOP legislators have had a change of heart

"Recent news suggests House Republicans and President-elect Trump are coming together around [border adjustments]," the bank said.

As such, Morgan Stanley believes border adjustments stand a serious chance in 2017. 

However, they don't subscribe to the popular opinion that border adjustments would have a profound affect on FX markets.

"We believe border adjustment would not result in a full exchange rate offset (i.e we don't expect USD appreciation of 25%) ... instead we think a 10-15% rise in USD is reasonable," the bank concluded.

 



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Here's what it's like to interview for the CIA, from people who have done it

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CIA seal

The Central Intelligence Agency is a well-known, yet highly-secretive branch of the intelligence community, but we know a little bit about how to get a job there thanks to Glassdoor.

The job site where anyone can rate their workplace and give an inside look at how to apply and interview has a page just for the CIA, which currently has a rating of 3.6 out of five stars. More than 40 people have left feedback on their interview process.

The reviews could not be independently verified since they were left anonymously, though many of the questions and background info seems to match up with other things already known about the CIA.

SEE ALSO: Here are our predictions for 2017

Most people who left feedback on the application process complained about how long it took.

While some users reported a shorter process, most reviews say it takes closer to a year to apply, interview, undergo background checks, and learn of whether you've got a job offer.

"The main bad thing about the interview process was that it was SO LONG," wrote one applicant for a staff operations officer position. "From the date of my initial application to my final rejection just before the [conditional offer of employment], it was a total of 10 months. If I had made it further, it would have been as much as another 12 months before I could enter on duty. Which can make rejection that much more painful."

The agency even puts on its website it can take anywhere from two months to a year to get through it all.



Though the CIA sometimes hosts job fairs, the process for many people starts online.

The process starts by figuring out what exactly you want to do at the CIA. Like any other government agency, it's a big bureaucracy with many different jobs, so not everyone is James Bond.

Applicants need to create an online account and search the job listings. Some of those include openings for accountants, engineers, and language officers. But for those interested in Martinis, shaken not stirred, it's best to apply for jobs in the Directorate of Operations.

The current job listings also have an interesting 21st century intel addition: "Cyber Operations Officer," which is basically a government hacker looking for the goodies on foreign networks.



Once a job is in mind, it's time to fill out the very long application.

It has the standard stuff about an applicant's background, work experience, education, certifications, and known languages.

But then it dives much, much deeper: Applicants need to give up as much info as possible for security clearances, background investigations, military history, employment issues, drug use (CIA won't hire anyone who has used drugs in the past year), disciplinary problems, and whether they have any debts.

Having things filled out as far as disciplinary infractions doesn't mean you won't get an interview, but lying about it here and them finding out about it later will certainly end your CIA job prospects.



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15 striking pictures of New York in a grittier era

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CC Train, NYC, 1982 © Richard Sandler _ The Eyes of the City

Photographer Richard Sandler misses the 80s in New York.

"You could say, 'look how f----- up New York was in the 80s, look at all this graffiti,' but also it was very beautiful," he says. "The layering of randomness, of one person's tagging over another, and it would go on for months and years, and it started to look like Jackson Pollock."

Sandler's new book, called "The Eyes of the City," features shots he took from the late 1970s through 2001.

"The 60s, the 70s, the 80s were really cool because people hung out on the streets and the street was their backyard, the street was their living room," he says.

Back then, Sandler, who earned money as a photojournalist, was constantly taking pictures. "I'd take the subway into the city with five rolls of film, get out on the street, and just shoot," he says.

The New York-born artist stopped taking photos for a while after the 2001 terrorist attacks, focusing instead on documentary film. "After 9/11 I put the still cameras down because the sound on the street, the protests and the marching and the soul-searching and the mourning and the arguing that went on in New York, the sound was more important," he says.

Today, Sandler says cell phones rob the streets of its vitality: "You're not participating in the life of the street when you're on a phone. Also people look boring when they're on the phone .... When they're smiling, it's because they're talking to somebody and it doesn't really relate to anything else."

Recently, he says he has started taking a lot of photos again, including many around his new home in the Catskills: "A lot of them are street photographs, and a lot of them are not so street oriented. Because I live in the country, I'm photographing skies and moons and trees."

Enjoy the following photos from "The Eyes of the City," courtesy of powerHouse Books.

DON'T MISS: See if you can spot what's wrong in these photos of crowds

SEE ALSO: Here's what life is like for the average person on earth

E. 34th St., NYC, 1980



"Three Furs, Three Do's," NYC, c. 1981



"Waiting Line," Studio 54, NYC, 1981



See the rest of the story at Business Insider

Here's what it was like to be George Washington, who will soon be dethroned as the richest president in US history

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george washington

In a matter of weeks, Donald Trump will be inaugurated as the president of the United States.

As Brett LoGiurato previously reported for Business Insider, the real estate mogul released a report in July claiming to be worth around $8.7 billion. However, Forbes estimates his net worth is closer to $3.7 billion

Since the president-elect hasn't released his tax returns, his financial situation is still somewhat unclear.

However, it looks like the US will appoint its first billionaire to the presidency.

Until now, the wealthiest president in US history also happened to be the first: George Washington.

The soldier, farmer, brewer, entrepreneur, and statesman is thought to have had an estimated net worth of $525 million in today's dollars. He not only earned more than other presidents — his salary was twice the total US budget in 1789, 24/7 Wall Street reports— but he owned over 50,000 acres of land.

Read on to learn more about the first, and richest, US president:

This is an updated version of a post by Kathleen Elkins.

SEE ALSO: The 9 weirdest jobs of America's Founding Fathers

DON'T MISS: Visiting a modern-day salon where people discuss Ben Franklin's ideas showed me how valuable his insights can be 290 years later

Washington was born at Pope's Creek in Westmoreland County, Virginia, in 1732. He was the oldest of Augustine Washington and Mary Ball's six children and also had three half-siblings. When Washington was 11 years old, Augustine died, leaving the future founding father with a great deal of responsibility managing the family's plantation.

Source: mountvernon.org



Not much else is known about his childhood. His formal education ended around age 15. In 1749, he received his surveying license from the College of William and Mary before getting involved in the military.

Sources: mountvernon.org



In 1759 he married Martha Dandridge Custis, a young widow with two children and a great deal of wealth. When Washington was elected president — first in 1789 and again in 1792 — his family didn't live in the White House. It wasn't completed until after his death, and he's the only president never to have stayed there.

Source: mountvernon.org 



See the rest of the story at Business Insider

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

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Money Wizard graphics 4x3

Most people don't start saving for retirement until they land their first "real" job as a 20-something. Even then, they're often lazy about setting up their 401(k) and putting any extra cash away with consistency.

But the story is different for the Money Wizard, a 26-year-old financial analyst and blogger with a six-figure net worth who started saving before he could even get behind the wheel of a car.

"I remember my eighth-grade math teacher posed the magical doubling penny question to us, which opened my mind to the power of compound interest," the Money Wizard — who goes by the pen name Sean online — told Business Insider.

"I still remember his exact quote," he said. "'Instead of buying a few CDs with your money, you could be a millionaire.'"

A few years later, Sean realized that his grandfather, "one of the cheapest guys" he knew, was actually a millionaire. "He never made more than a low five-figure, blue-collar salary, but he used the stock market to save his way to $1.2 million in investments" by age 60, Sean said.

Inspired by his grandfather's financial finesse, he started saving any extra cash he earned from his first job at age 16. Later, after reading a book called "Early Retirement Extreme" by Jacob Lund Fisker, he became determined to reach financial independence by age 37.

At 22, he graduated college with a degree in finance and economics and got hired as a financial analyst in Denver making $45,000 a year. He immediately set up his employer-sponsored 401(k) and contributed 5% of his pretax salary, which was fully matched by the company.

Now, three and a half years later, Sean's salary is $70,000 and his 401(k) contribution — just one of his vehicles for saving — is up to 25%.

Last year, at age 25, his net worth reached $100,000. That's when he started his blog, My Money Wizard, to share his ambitious journey to early retirement.

As of August 2016, Sean's net worth was nearly $150,000. Below, he talks us through the growth of his savings accounts and why each is vital to achieving his goal of retiring before 40.

Although Sean requested anonymity, Business Insider reviewed tax and bank statements that confirmed the figures he's reported.

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

SEE ALSO: 13 strategies to save a fortune, from real people who retired before 40

Sean shares monthly net worth updates on his blog, My Money Wizard, where he breaks down his progress.

In August, his net worth reached $147,913. He plans to continue his current savings strategy for the next 11 years to retire with enough money — his current goal is $750,000 — to live comfortably using the 4% rule.

"The idea is that if you have assets earning 7% per year, and inflation is about 3% per year, you can safely withdraw 4% of your portfolio each year without ever running out of money," he said.

Sean's model for saving is built conservatively and assumes he'll never get another work raise, enjoy a second stream of income now or during retirement, or combine savings with a future spouse. He's confident he'll be able to afford to start a family, buy a house, and cover life's unexpected expenses.

"Probably what's most driving me [to retire early] — I just want freedom," he said. "So many people get caught up in the race of materialism, thinking that next house or next car is what will make them happy. I think happiness comes from freedom. I just want to be able to do what I want, without financial worry."



Cash: $8,546

Despite popular financial advice that suggests people set up emergency funds, Sean doesn't believe in them.

"I want my money invested and working for me, not lazily sitting around getting eaten by inflation," he said. "I like to keep enough cash to pay off all credit cards and to have about $2,000 leftover at any given time."

401(k): $38,292

"Maxing out my 401(k) is my primary investment goal each year," Sean said. "Not only are employer matches possibly the greatest investment ever, the tax advantages of taking it a step further and contributing the IRS-allowed $18,000 maximum each year are just too amazing to ignore."

By contributing the maximum to his 401(k), Sean said he's saving more than $5,000 each year in taxes. He calls it "the smartest investment I ever made."

And he'll be able to access his account before age 59.5 without penalty by using the Roth IRA conversion ladder. Under this IRS rule, any money transferred from a traditional IRA — like his 401(k) — to a Roth IRA is tax- and penalty-free.

He'll have to wait five years after the first conversion to access the money — and pay any applicable ordinary income taxes on the funds when he converts them — but he plans to live off his taxable investments during that time. Then he'll transfer sums of money into his Roth IRA year after year — referred to as "climbing the ladder"— giving him early access to his 401(k) savings throughout retirement.

Vanguard: $59,145

Sean's second investment goal each year is to contribute the $5,500 maximum to his Roth IRA (held in his Vanguard account). Since he doesn't own a home, his Roth IRA is invested into REIT index funds, which invest his money into diversified real-estate interests.

In addition, the account holds a Vanguard Total Stock Market Fund— a low-cost way to invest in the US stock market — which houses all of his taxable savings.

"It's 100% equities, which some people would consider risky, but it's important to consider allocations across all of your money, not just an individual account," he said. It's also easy to maintain, he said, and a great choice if you aren't "a stock-picking genius."

When he has cash overflow, he transfers $1,000 over to invest in his index fund. "I then sit back and move on with my life, knowing this fund will track the overall market," he said.

Merrill Lynch: $45,347

Before opening his Vanguard account in 2014, Sean used his Merrill Lynch account as his primary taxable investment account.

"A portion of this account was formed when a younger, more naive version of myself was convinced I could beat the stock market by picking individual stocks," he said.

Today, his account comprises low-fee, exchange-traded funds; a small percentage of individual stocks; and about $6,000 worth of bonds.



Sean says he's able to save about 65% of his take-home pay. His expenditures may seem minimal, but he assures us he doesn't feel shorted.

"The challenge comes in deciding what will actually make my life better and what's just unnecessary waste," he said.

Last year, he relocated from Denver to Minneapolis and moved in with his girlfriend. They now split rent, reducing his living expenses by about $6,000 to $7,000 annually.

Traveling and eating out are his biggest "vices," but he tries to keep his recurring costs low so he has the flexibility to enjoy the finer things.

"I feel like I already live like a king — I travel frequently, eat at delicious restaurants all the time, and don't worry about money," Sean said. "If I spent another $20,000 each year on random stuff, the only change would be that I'd start worrying about money."



See the rest of the story at Business Insider

An MIT professor designed this supermarket of the future — take a look inside

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supermarket

When you pick up a tomato at the grocery store, you might judge it on its ripeness. You can't tell much else just by looking at it.

But the tomato has a whole backstory — from the vine it grew on to the CO2 it generated on the farm to the chemical treatments it received.

The "Supermarket of the Future" wants to give you that backstory. In late December, a custom Coop supermarket designed by MIT's Senseable City Lab opened in Milan. Display screens in the produce aisles tell you about every item using augmented reality and sensors.

Carlo Ratti, the director of MIT's Senseable City Lab and founding partner of the design firm Carlo Ratti Associati, led the project. He tells Business Insider that his firm plans to open more outside Italy in coming months.

Take a look inside.

SEE ALSO: Amazon will soon start accepting food stamps

Designed by MIT and built by Italian grocery giant Coop, the first Supermarket of the Future recently opened in Milan.



The food there is not organized like a typical grocery store.



Foods made from the same ingredients are paired together. For example, grapes are next to the wine, and fresh tomatoes sit next to canned tomatoes.



See the rest of the story at Business Insider

A week in New York City on a $50,000 salary

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desk_lunch

Welcome to Money Diaries, where we're tackling what might be the last taboo facing modern working women: money. We're asking millennial women how they spend their hard-earned money during a seven-day period — and we're tracking every last dollar. (Thanks, New York mag, for the inspiration.)

Today, a woman hosting a dinner party while training for a half-marathon.

Industry: Performing arts/media

Age: 30

Location: NYC

Salary: $50,000

Paycheck Amount (Every Two Weeks): $1,219 after tax, insurance, FSA, 401(k) and transit check; my husband reimburses me $450 per month to cover his portion of insurance and our phone bill

# of Roommates: 1 (dude mentioned above)

Monthly Expenses

Rent: $2,533.08, split evenly. I pay $1,266.54

Internet: $88 (my husband covers utilities, which is comparable)

Phone Bill: $200, but my husband reimburses me for half

Rock Climbing Gym Membership: $85

Netflix: $7.99

Hulu Plus: $7.99

New York Times Weekender subscription: $6 (special discount rate)

Standing donation to Karam Foundation to support a Syrian refugee family: $50

Yearly Expenses

Taxes (Accountant Fee): $162.50 for my half. My husband and I coordinate our checks for federal taxes and our accountant. We’ll get a refund from New York State that makes up for these two fees, and then some. My accountant has told me in the past that it’s better to owe than be owed when it comes to taxes, because you still get a little more money this way — but whenever he starts to go into the intricacies of withholdings on paychecks, he starts to sound like one of the teachers in Charlie Brown. I paid $467.50 extra in taxes this year.

Day One

8 a.m. — I have the same breakfast every morning: Half a cup of vanilla Greek yogurt, half a cup of pumpkin puree, one tablespoon of chia seeds.

9:15 a.m. — I'm out of coffee at home, so I stop at Le Pain Quotidien for one. I contemplate also getting a roll, because Le Pain Quotidien is basically Amsterdam’s red-light district for bread, but I essentially have exactly enough for my coffee in quarters and I hate to use my card for such a small amount. The barista is excited, as she needed quarters. $2.75

11 a.m. — Still want bread. I try to sate this craving with a Pink Lady apple and some almond butter from home. Desired effect is not achieved.

12:05 p.m. — I convince enough of my coworkers to rally around having bread with lunch, so our office manager approves the purchase of a $3 baguette from LPQ from our treats fund. I wish I had this same determination when it came to understanding my taxes.

12:30 p.m. — Lunch from home: An arugula salad with celery and broiled eye-round steak. I’m not a dressing fan, but the steak juice gives it the extra something it needs. Oh, and bread. Beautiful, free bread.

2:20 p.m. — Check my Wells Fargo and see that my Hulu and Netflix payments both went through today. It seems ridiculous to have both, but I love that Hulu has most all of the Criterion collection and I try to watch at least one new Criterion film each week. My automatic transfer of $83 from checking to savings also goes through.

4 p.m. — I bring most of my food from home, because lunch options in midtown are ridiculously expensive. I have a Pink Lady apple with almond butter, which I pack into a Ziploc bag and squeeze, pastry-bag style, onto the apple slices, because I’m classy. Also because I lost my little bento box thing that held small items like almond butter.

8:30 p.m. — Working late. I have a Tarocco blood orange on my way home.

8:45 p.m. — Improvising with what we have in the pantry, I make a frittata with eggs, plain Greek yogurt, some leftover Israeli couscous, onion, and Parm. It does the job and I eat it with my husband while watching The Americans.

9:50 p.m. — Check out on my latest Stitch Fix box; I keep a pair of culottes and a sailor-stripe shirt. $83.

Daily Total: $85.75



Day 2

7:05 a.m. — FreshDirect arrives. I buy for the week and do a lot of meal prep, but I got a little extra today, as I’m hosting a dinner party and making a seafood and radicchio risotto for eight people. $85.83

9:15 a.m. — Make the same Greek yogurt/pumpkin/chia breakfast with coffee at home. I get the La Colombe beans from FreshDirect and one bag usually lasts two weeks, as I’m the only one in the house who drinks coffee.

10:05 a.m. — My husband and I start to make our way down to the Brooklyn Ikea. He stops at the bodega near our apartment to get an iced tea and gets me a kombucha to make the card minimum.

11:50 a.m. — Go to Ikea for five of the $7.99 folding chairs to accommodate the headcount at tonight’s dinner, along with some drinking glasses, AA batteries, and paper napkins to use as guest hand towels in the bathroom. While we’re there, I break down and buy three succulents, plus pots. It’s a crowded Saturday morning and I’m un-showered and scoping out cacti alongside a crowd of Brooklyn hipsters, so basically it’s Coachella on a budget. $70.61

1:10 p.m. — Graze on the rest of last night’s frittata for lunch and have a spoonful of almond butter out of the jar.

4:15 p.m. — Run to Food Cellar near my apartment to get a baguette and some taper candles. $11.16

7 p.m. — I recently started hosting a table as part of The Dinner Party, which is a group of mainly twenty- and thirtysomethings who have experienced significant loss. TDP organizes tables of roughly eight to 10 people to have regular potluck dinners and connect over the shared bond and discuss life after loss. It’s an amazing group of people. In addition to the risotto I make, we have wine, beer, roasted broccolini, zucchini, salad, and a gluten-free chocolate cake with coconut cream. And bread.

Daily Total: $167.60



Day 3

10:30 a.m. — Standard breakfast and pack my coffee in a to-go mug to go out for the morning.

12:30 p.m. — Meet a friend at Peacefood Café on the Upper West Side for lunch. I get the Japanese pumpkin sandwich and a gingerade. $12.96

1:45 p.m. — Walk back to the N train from the Upper West Side. On my way, I stop in at Kiehl’s to restock on face wash. It’s expensive, but worth it. $31.57

1:55 p.m. — Also stop at CVS for dental floss and eyeliner. $12.50

2:20 p.m. — Swing back by Food Cellar on my way home to get some apples for the week and a few bags of Beanitos bean chips (my nutritionist got me hooked on them). My husband meets me there and I get his sandwich and a cool elderflower seltzer. We’ve been married for five years and have yet to combine our bank accounts, which is mostly on me. He’s even better with finances than I am, but I watched my mother support two deadbeat ex-husbands, so I still have some personal stuff to work through. In the meantime, we basically even out on the little things and consciously split the big things. It works out. $24.20

3 p.m. — Snack on an apple and almond butter while batch cooking steak for the week. It sounds very boring, but I’ve been working with a nutritionist since last September and it’s gotten me into a routine for breakfast and, during the workweek, lunch. I’ll switch things up from time to time, but it saves me from decision fatigue.

6:50 p.m. — Husband gets Two Boots pizza for dinner. I have a slice of the Meg and a slice of the classic cheese, plus one of the beers leftover from last night.

8:50 p.m. — I’m craving another kombucha and looking for a $5 in my wallet. My husband gives me his card and says he’ll cover the drink if I get him a rice pudding.

Daily Total: $81.23



See the rest of the story at Business Insider

5 wacky interview questions you'll hear at companies like Zappos, Slack, and Warby Parker

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Tony Hsieh, CEO Zappos.com

Want to prepare for your next job interview?

Start thinking about how you'd fare in a zombie apocalypse.

Sometimes, interviewers just want to get a sense of how well you're able to think outside the box.

That's why it's not too surprising that some of the most successful executives out there like to ask some pretty weird questions during job interviews.

Here are some of those oddball questions.

SEE ALSO: Here's what Elon Musk, Richard Branson, and 29 other successful people ask job candidates during interviews

DON'T MISS: Here are the personal interview questions one CEO asks during every job interview

'On a scale of one to 10, how weird are you?'

One of Zappos' core values is to "create fun and a little weirdness," Tony Hsieh, CEO of the company, tells Business Insider.

To make sure he hires candidates with the right fit, Hsieh typically asks the question: "On a scale of one to 10, how weird are you?" He says the number isn't too important, but it's more about how people answer the question. Nonetheless, if "you're a one, you probably are a little bit too straight-laced for the Zappos culture," he says. "If you're a 10, you might be too psychotic for us."

Another question Zappos usually asks candidates is: "On a scale of one to 10, how lucky are you in life?" Again, the number doesn't matter too much, but if you're a one, you don't know why bad things happen to you (and probably blame others a lot). And if you're a 10, you don't understand why good things always seem to happen to you (and probably lack confidence).



'What was the last costume you wore?'

It doesn't matter so much what they wore, but why they wore it. If the candidate's reasoning matches Warby Parker's core value of injecting "fun and quirkiness into work, life, and everything they do," they might have a real shot at getting a job there.

"We find that people who are able to make the job environment fun build followership more easily," the company's cofounder and co-CEO David Gilboa tells Iris Mansour at Quartz. "If we hire the most technically skilled person in the world whose work style doesn't fit here, they won't be successful."



'If you were an animal, which animal would you be?'

"The animal kingdom is broad, and everyone can identify with a specific animal they think embodies their own personalities and characteristics," Stormy Simon, president of Overstock, tells Business Insider.

"There are so many different human traits, where in the animal kingdom they put themselves, and why, really gives insight to the person answering the question. For example, just because you love dogs doesn't mean you would identify yourself as a dog," she explains.

Good answers, she says, are where the candidate picks an animal that they think truly personifies the traits that set them apart. "People have often chosen the same animal as other candidates, but the traits they describe have never been the same," says Simon. But they're not all good answers.

"One time an interviewee said they identified with a red panda because everyone thinks they are so cute and approachable, but it turns out they're just really lazy. We hired the candidate anyway despite that answer, but we parted ways within three weeks. It just goes to show how important the question is."

HootSuite CEO Ryan Holmes also likes to ask candidates, "What's your spirit animal?"

As he tells writer Jeff Haden"During her interview, I asked my current executive assistant what was her favorite animal. She told me it was a duck, because ducks are calm on the surface and hustling like crazy getting things done under the surface," he says. 

"I think this was an amazing response and a perfect description for the role of an EA. For the record, she's been working with us for over a year now and is amazing at her job," Holmes tells Haden.



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Apple's $5 billion 'spaceship' campus is covered in mud (AAPL)

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Apple Campus

Last year, Apple CEO Tim Cook reportedly told Apple employees that the company planned to start moving into its new $5 billion Campus 2 in January, 2017. 

But right now, the campus is still a work in progress. Although landscaping and interior work has started, there's still a lot to do, as shown in a new drone video from photographer Matthew Roberts filmed on Monday

Since Northern California has seen a lot of rain since last Saturday, lots of Apple's beautiful dirt piles have turned into mud. 

But Apple has started planting trees, doing landscaping on the interior, and is over halfway done installing the solar panels that will cover the roof.

In October, Cupertino updated its public construction schedule for the building. Currently, building and construction is supposed to wrap up in the first quarter of 2017, and landscaping in the second quarter.

Take a look for yourself: 

SEE ALSO: Check out how far Apple's $5 billion 'spaceship' campus has come in the past year

Roberts estimates that 60% of the roof is covered with solar panels.



Major construction and landscaping is happening inside the ring.



The auditorium, where Apple will reveal new products like next year's iPhone, is almost complete.



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A sommelier shares 10 words to look for to find high-quality wines under $25

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choosing wine bottles

Affordable wine doesn't have to taste cheap.

But how can you tell you have a good bottle before pouring that first glass?

"Many wine consumers in the US are still challenged by the abundance of language on a wine label," says Jörn Kleinhans, owner of the The Sommelier Company. "It's difficult enough with an English label, but adding the other languages and countries, it becomes very difficult."

Kleinhans explains that certain words, often those regulated by local government in the region a wine is produced, are reliable indicators of high-quality wine at any price point.

Here are ten words he recommends looking for on wines under $25, to guarantee you're getting the best bottle on the shelf.

SEE ALSO: A sommelier chooses his 10 favorite wines for $16 or less

'CLASSICO' on a Chianti

Chianti is a popular wine in the US, Kleinhans explains, because it was the first wine commercially exported from Italy in large amounts.

However, he says, "Wine that is only labeled Chianti is usually not very good. If you see 'Chianti Classico,' that is always a good wine."

"The term 'Classico' describes the local best core-growing regions of this type of wine," he continues. "The core vineyards in the center of the region that have the best terroir and the best orientation to the sun."

Other vineyards may also produce a wine called Chianti, but they aren't permitted to add "Classico." Kleinhans explains that the distinction is an important one when looking to experience "classical notes of tomato paste and vanilla" typical of the wine. 



'GRAN RESERVA' on a Rioja

Rioja, Kleinhans says, is the most important wine of Spain.

It can be labeled as either "Reserva" or "Gran Reserva," but "you're always looking for, without exception, the Gran Reserva," says Kleinhans. "It means this wine has a strong oak flavor, the hallmark flavor of Rioja. It also guarantees this wine has been aged in oak for two years or more, and an additional three years in the bottle."

Kleinhans says Rioja Gran Reserva is "probably one of the greatest high-end wines in the world that you can get at tremendous value."



'CRU BOURGEOIS' on a Bordeaux

The "Cru Bourgeois" distinction has to do with the French region of Bordeaux, where these wines are produced.

The greatest wines of the region are classified as "Grand Cru Classé," which Kleinhans explains has been so successful that prices went through the roof and bottles are no longer available for under $40 or $50.

"For the value lovers, 'Cru Bourgeois' is the back door to get outstanding Bordeaux for under $25," he says. "Those are the chateaus not allowed into the Grand Cru classification 150 years ago. Several outstanding chateaus were left aside, and nowadays these wines not labeled Grand Cru, but Cru Bourgeois, you can get at a great value. It's the level right under the Grand Cru level people are paying thousands for."



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12 of the best photos of the US Marine Corps in 2016

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Marines military

2016 was a busy year for the US Marine Corps.

The service kept pretty active in training and in combat: Marine pilots have been, and continue to hammer ISIS fighters in Iraq and Syria, while Marine advisers operate on the ground in Iraq.

Meanwhile, the Corps started rotating troops to Australia and carried out other large training exercises around the world.

Of course, there was much more that happened, and usually, a Marine Corps combat photographer was on hand to document the action. We went through the Corps' Flickr photos and picked out our favorites for the past year.

Here's what caught our eye.

SEE ALSO: The most incredible photos of the US Army in 2016

SEE ALSO: 19 of the best photos of the US military at work in 2016

The Corps' official photographers had quite a year last year, snapping some noteworthy shots all over the world from the shores of New York ...



... to the mountaintops of Australia, where Marines started deploying to back in April.



There's plenty of action to choose from among the thousands of photographs ...



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18 of the highest-paying consulting firms for MBAs

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ernst and young office

Even straight out of school, earning an MBA means a healthy salary bump for graduates, especially in lucrative industries like consulting.

And with increasing demand for management consultants, elite firms are doling out hefty compensation packages to stay competitive and attract top talent. In fact, at many places, the base pay for MBAs starts at $140,000 — more than $60,000 higher than the starting salaries that many candidates earn right out of college. On top of that, salaries for these positions are on the rise, up as much as 5% in the past year. 

Management Consulted, a company that helps candidates land consulting jobs, compiled the top salaries earned by graduates in their first year out of business school at 18 leading consulting firms. To determine these figures, it culled through data from clients, spoke with industry insiders, and pored over real offer letters from readers.

It's important to note that these represent maximum salary packages, not average compensation. Typically, only the top employees receive the full amount, with most employees earning significantly less.

Read on to see the consulting firms in which MBAs are raking in the big bucks, ranked by total compensation:

SEE ALSO: 21 US cities where making $100,000 a year isn't enough to put you in the top 20% of earners

DON'T MISS: The 2 biggest money mistakes 30-somethings make

18. Mercer

Total compensation: up to $137,000

Signing bonus: $20,000

Base: $95,000

Relocation: up to $3,000

Performance bonus: up to $19,000



17. Kalypso

Total compensation: up to $157,000

Signing bonus: $15,000

Base: $124,000

Relocation: up to $3,000

Performance bonus: up to $15,000



16. Cognizant Business Consulting

Total compensation: up to $163,000

Signing bonus: $20,000

Base: $120,000

Relocation: up to $8,000

Performance bonus: up to $15,000



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10 charts that show how far the iPhone has come over the last 10 years

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iphone steve jobs Peter Macdiarmid Getty

Ten years ago today, Steve Jobs introduced the product that would reshape not only Apple, but also the world. That Macworld presentation will always be considered Jobs' greatest product introduction ever. In what now seems like common sense, Jobs noted that dynamic virtual buttons on a capacitive touchscreen enable endless flexibility and interface innovation, while "the bottom 40 [percent]" of all prior phones were occupied by physical buttons. Note that Apple wouldn't actually launch the device until June 2007, a rare instance of the company preannouncing a product.

A decade ago, mobile computing meant carrying your laptop around with you and hoping to find a Wi-Fi hotspot. Nowadays, it means having any number of cellular-equipped mobile devices always within reach, be it a smartphone or a tablet. Apple's turnaround had already taken shape circa 2006, and the company was on firm financial footing thanks to the iPod's success, but the iPhone catapulted Apple to becoming the world's most valuable company.

Here are 10 charts to celebrate the iPhone's 10th birthday.

1. Rising unit sales

Last year marked the first time that Apple posted a year-over-year decline in iPhone unit sales. While the initial investor reaction was to fret, it's worth taking a moment to appreciate the incredible run.



2. A billion and counting

Over the summer of 2016, Apple sold its billionth iPhone. Apple hosted an employee meeting to display the billionth unit (pictured above). Here's how it got there.



3. Soaring market capitalization

I personally purchased shares of Apple for the first time in 2006, in July of that year for $60.83 (pre-split). Needless to say, buying Apple the year before the launch of the iPhone has been quite an investment. Shares are up 800% since the day of the unveiling.



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The 19 countries that hold the most US debt

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Copacabana Rio de Janeiro Brazil, beach, fireworks, New Year's Eve

US sovereign debt is one of the safest assets in finance.

At least, it has been historically.

When US President-Elect Donald Trump takes office next week, he'll usher in a sharp shift in political tone as he succeeds Barack Obama.

Trump last year suggested in his election campaign that the US could negotiate with creditors and wouldn't need to pay the whole $13 trillion back.

The bond market has responded to the increased political risk and potential uptick in both inflation and interest rates.

A sell-off this week has seen yields on 10-year bonds, which move inversely to prices, go up to 2.60%. 

The US Treasury publishes a detailed breakdown of who owns what, here's how that looks, as of October 2016:

19. Bermuda — $65.9 billion (£54.79 billion).



18. Russia — $74 billion (£62.3 billion).



16. Canada — $81.4 billion (£65.99 billion).



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Inside the opulent £12 billion Indian wedding industry

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indian weddings

LONDON — When it comes to nuptials, nothing quite rivals the opulence of an Indian wedding.

Throughout December and January, wedding shows take place all over the world as brides and grooms prepare for the summer's wedding season.

According to the 2011 census, the UK has an Indian population of more than 1.4 million, so it's no wonder that the Indian wedding industry is booming in the UK.

On Sunday January 8, hundreds of brides-to-be attended the Aashni & Co Wedding Show to meet the designers behind some of the most opulent and expensive bridal gowns on the market.

More than 10 million weddings take place in India each year, leading Aashni & Co founder Aashni Shah to call the industry "recession-proof."

Take a look inside the £12 billion Indian wedding industry below:

Hundreds of brides-to-be attended the Aashni & Co Wedding Show to meet the designers behind some of the most opulent and expensive bridal gowns on the market.



According to Aashni Shah, creative director of Notting Hill-based designer boutique Aashni & Co and the founder of the Aashni & Co Wedding Show, the Indian wedding industry is worth £12 billion worldwide, and much of that money is spent by expats living in the UK.

The show was first launched in 2015, and has grown bigger every year. The event, which is one of the largest exhibitions for Indian and South East Asian designers in the UK, earned more than £200,000 in sales of intricately designed dresses, jewellery and decorations from more than 20 high-end designers.



Everything from clothing and jewellery to the decorations are intricately designed, and mostly by hand.

Guarang Shah, one of the designers exhibited at the show, said that some of the sarees in his collection can take months to make.

"Everything is hand-woven," he said, "and is designed to represent a different regional style in India. A lot of love and hard work go into these bridal clothes."

In just one wedding, a typical bride could spend between £10,000 and £18,000 on dresses alone.



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Here are the Christmas winners and losers from the High Street's 'Super Thursday'

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People carry shopping bags along Oxford Street on December 24, 2016 in London, England. Christmas shoppers hunt for last minute presents in central London on Christmas Eve. (Photo by )

Analysts have dubbed today "Super Thursday" for British retailers and supermarkets, with Tesco, Marks & Spencer, John Lewis, Debenhams, JD Sports, Primark-owner Associated British Foods, and more all reporting on how they did over Christmas.

Christmas is a crucial period for retailers and can make or break an entire year, particularly for department stores and clothing retailers.

We have already heard from Sainsbury's and Morrisons this week, both of who reported solid performance over the Christmas period, and Next, who had a dreadful time. Figures from the British Retail Consortium (BRC) earlier this week also showed a 1.7% rise in December sales, largely thanks to food sales.

Michael van Dulken, head of research at Accendo Markets, says in an email on Thursday morning: "At first glance, treading would appear to have been solid into the Christmas period."

However, not everyone performed equally. Here is how the High Street fared:

Tesco: Solid Christmas but shares down 2% on too much hype

Tesco reported underlying sales growth of just 0.3% over Christmas. The supermarket blamed the fact that it did not repeat its "Boost" Clubcard promotion for the relatively tepid growth in the six weeks to January 7.

Tesco also reported a 1.5% rise in underlying sales in the third quarter, slightly ahead of consensus forecasts in the City. Sales in Ireland and internationally shrunk in the third quarter, with the death of the king in Thailand hitting spending there.

CEO Dave Lewis says in Thursday's update: 

"We are very encouraged by the sustained strong progress that we are making across the Group. In the UK, we saw our eighth consecutive quarter of volume growth and delivered a third successful Christmas.

"Our fresh food ranges proved particularly popular, outperforming the market with great quality, innovative new products and even more affordable prices. Internationally, we have continued to focus on improving our offer for customers in challenging market conditions."

Bernstein analyst Bruno Monteyne says in a note this morning that the figures show "Tesco's recovery continues at a solid pace."

However, Tesco stock has opened down over 2% on Thursday morning. It leaped higher earlier in the week after Kantar Worldpanel data suggested Tesco had made big market share gains over Christmas.



Marks & Spencer: A recovery for the crucial clothing division

The biggest takeaway from M&S' Christmas update is the great performance of its clothing division, which has been a thorn in the side of the retailer for years now.

Underlying clothing & home sales rose 2.3% in the 13 weeks to December 31, or 3.1% if you include sales from opening of new branches. M&S admits that 1.5% of this rise is down to changing of the reporting period, adding five extra sale days, but it is still a strong performance given the division has been dogged by low to no sales growth.

M&S says its decision to take part in Black Friday this year is behind the boost, with CEO Steve Rowe saying:"In Clothing & Home, better ranges, better availability and better prices helped to improve our performance in a difficult marketplace. We also continued to substantially reduce discounting, including over Black Friday."

Food sales continued to be Marks & Spencers' strongest area though, with a 5.6% growth in sales, although only 0.6% growth when you strip out the impact of new shop openings. 

Overall, M&S' total sales rose by 5.9%, or 4.3% if you discount favourable currency movements.

ETX Capital's Neil Wilson says in an email on Thursday morning: "Good results and perhaps signs that Steve Rowe’s ambitious turnaround strategy is finally yielding fruit. A long way to go yet for M&S, but this is a good report."

Marks & Spencers' shares are up over 3% 20 minutes after the open in London.



John Lewis: A strong Christmas but 'trading profit is under pressure'

The king of Christmas adverts had another bumper festive season thanks to Buster the Boxer.

Group sales, which include both the department store and high-end supermarket Waitrose, were up 4.9% in the 6 weeks to December 31, with both brands gaining market share.

Waitrose sales rose 4.8% to £914.9 million and John Lewis sales climbed 4.9% to £998.1 million. 

Chairman Sir Charlie Mayfield says: "We traded strongly over Christmas with sales up nearly 5% and both Waitrose and John Lewis grew market share. Sales were particularly strong in the areas that have been the focus for product innovation this year, such as our Waitrose 1 premium range and John Lewis own-brand fashion."

But he cautions: "Although we expect to report profits up on last year, trading profit is under pressure. This reflects the greater changes taking place across the retail sector. We expect those to quicken, especially in the next 12 months as the effects of weaker Sterling feed through."



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