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29 photos that show why Michelle Obama will be remembered as the most stylish first lady of all time

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Obama family, farewell

Whether she likes it or not, a first lady's style is put under the microscope from the Inauguration onward.

First lady Michelle Obama has exuded grace and elegance with her style choices no matter the event. While she's been applauded for rocking affordable clothing from stores like J.Crew and H&M, she really shines at formal events.

As she leaves the White House this month, as a private citizen Mrs. Obama's style could potentially morph. No longer restrained by being required to make politically charged wardrobe choices, she'll also be able to accept gifts from designers. 

From state dinners to State of the Union addresses, here are Michelle's 29 best looks from the past eight years.

SEE ALSO: 17 photos of the stunning inaugural ball gowns worn by first ladies over the last 50 years

At the Southern Inaugural Ball on January 21, 2009, in Washington, DC, Michelle wore a dress designed by Jason Wu, who did not know that Michelle had chosen his design to wear. Wu designed the dress to symbolize hope; its organza flowers are adorned with Swarovski crystals.

Source: Smithsonian



Michelle wore this silver patterned dress by Indian-born designer Naeem Khan during a state dinner at the White House in 2009. The dinner was hosted in honor of Dr. Manmohan Singh, who at that time was the prime minister of India.



Michelle wore a gorgeous red dress at the Annual Alfalfa Dinner at the Capital Hilton Hotel in 2009.



See the rest of the story at Business Insider

A seemingly innocent website knows who your family members are and where they live

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FamilyTreeNow

There's a lot of information about you in public documents if you've ever signed a lease or applied for a loan — your address, your age, sometimes the identify of your family members.

It's well known that a lot of sites around the internet, such as Spokeo, collect and compile that kind of information into databases.

But one innocuous-seeming website, FamilyTreeNow.com, found itself at the center of controversy earlier this week when some people realized that you could get information like a person's address, family members, birth month, and phone number — within minutes and without ever creating an account. 

Go check it out for yourself. Simply input your name and your state and see what it turns up for you. For me, it found my immediate family members, an old address I used to use, and my current address. 

Anna Brittain, a young-adult fiction writer based in Alabama, discovered Family Tree Now, and tweeted out a series of instructions about how to remove your personal information that ended up going viral. 

Her recommendations were picked up by The Washington Post, and several Facebook users, and Snopes eventually had to run an article to clear up misconceptions. 

"Internet safety is important to anyone, and in particular the community I belong to on twitter sees a lot of targeted online abuse. Thanks to a volatile political climate, using our voices now comes with placing targets on our backs -- particularly the marginalized groups Tr*mp has alienated and endangered most," Brittain wrote in a blog post published on Thursday.

The good news is that Brittain's instructions about how to opt-out are clear and effective. I was able to remove myself from its database quickly.

"DUE TO HIGH VOLUME, OPT OUT REQUESTS SUBMITTED HERE WILL BE SEVERELY DELAYED!!!" according to the FamilyTreeNow website. A request for comment was not immediately returned. 

Here's how to opt-out:

SEE ALSO: Edward Snowden's guide to internet privacy

This is the front page of Family Tree Now. Put in your first and last name and state and see what it turns up.



It found me!



So let's look at what it has on me. It knows what year I was born in, and the names of my brother and my parents, as well as my current address. It's missing a few of my past addresses but it's remarkably complete. But it also thinks I go by "Kim Leswing," which is wrong.



See the rest of the story at Business Insider

15 things successful people do over 3-day weekends

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Weekend couple

We're heading into a holiday weekend, and most successful people have planned out (or at least thought about) what they'll do over the next three days.

"Successful people recognize how important it is to take advantage of a long weekend to refuel their passions and recharge their batteries," says Michael Kerr, an international business speaker and author of "The Humor Advantage."

They work extra hard the days leading up to the three-day weekend in order to maximize their leisure time, adds Lynn Taylor, a national workplace expert and the author of "Tame Your Terrible Office Tyrant: How to Manage Childish Boss Behavior and Thrive in Your Job."

They also compartmentalize any work-related tasks that slip into their three-day weekends, separating them from their coveted leisure time. "They know that if the two blend into each other, they'll likely feel cheated afterward," she says.

Planning ahead for a three-day weekend is important because you don't want to squander the relatively rare opportunity to decompress from the office.

Taylor explains: "These extended weekends are different from the regular weekend because you know you have extra time to relax, tie up loose ends personally, catch up with important people in your life, or get ahead on a project. And time is a nonrenewable resource. How you spend it should be consistent with what you need to accomplish short- and long-term to be content."

Not sure how to make the most of the next 72 hours? We've got some ideas.

Jacquelyn Smith contributed to a previous version of this story.

SEE ALSO: 14 things successful people do in the first 10 minutes of the workday

1. They plan ahead

Many successful people plan out their activities for the holiday weekend well in advance so that they are not drawn into the temptation of working, Kerr says. They make reservations, book tee times, or schedule activities with their kids.

Taylor adds: "They're strategic enough to have an action plan for the three-day weekend, but flexible enough to tackle any urgent work issues that may arise."



2. They prepare at work

"Most of what they do happens before they leave for a long weekend so that they are psychologically free to relax and enjoy it," Kerr says.

This includes saying proper goodbyes to colleagues, cleaning up their office, finishing any pressing tasks, and creating a clear plan of action for when they return to the office so they can hit the ground running.



3. They set technology guidelines

Successful people set email and phone rules for themselves and the people they work with, so that people understand when, if at all, they will be available to respond or pick up.

"This can communicate to employees how critical it is for everyone to take a complete break, and that any and all work can wait," Kerr explains. "Although employees may assume this, they often need to hear it from their leader to be able to completely relax over a long weekend." 



See the rest of the story at Business Insider

7 crazy concepts cars already unveiled in 2017

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volkswagen bus concept

Concept cars are only getting crazier.

Automakers use concept cars as a way to showcase their vision for future production models. Sometimes, the cars are tame, though innovative, offering a realistic example of features to come. But more often than not, car makers pack concept cars with features you'll probably never see — at least not within the next decade.

Either way, concept cars offer a fun way to look at automakers' more creative side. Scroll down for the ones we've seen so far:

SEE ALSO: Porsche is building a stunning Tesla rival — here's everything you need to know

1. Fiat Chrysler unveiled a concept car geared for high-tech millennials at CES this year. The car isn't all that eye-catching purely from an aesthetic perspective. It's large, boxy, and heavy looking...



...But the car is really meant to showcase the tech millennials are looking for inside a car, FCA said. It's electric with 250 miles of range and gets just over 50% of its charge back in under 20 minutes with a DC Fast Charger.



It also comes with lidar and sensors to handle Level 3 autonomous driving, meaning it can handle urban environments, but still requires human oversight.



See the rest of the story at Business Insider

The 13 best places to eat ramen in New York City

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takaishiThere's nothing like a hot bowl of ramen when the cold weather hits.

That's why we teamed up with city-guide app Foursquare to round up the 13 best places to eat ramen in New York, based on which locations had the highest ratings from Foursquare users.

From popular stops like Momofuku Noodle Bar to Takashi, which serves an unforgettable all-beef version, here are the top 13 places to hit up in New York when you need your ramen fix.

Talia Avakian contributed reporting to a previous version of this article.

SEE ALSO: The best bakery in every state, according to Foursquare

13. Mei-jin Ramen

1574 2nd Avenue

With quick service and lunch specials for around $10, Mei-jin Ramen is a good go-to for a mid-day bite. Their specialty here is a flavorful beef broth, and their spicy beef ramen is a favorite.

Those looking for a vegetarian option can also indulge in a warm bowl of ramen made with a miso base and topped with tofu, green onion, and a variety of fresh veggies.

 



12. Minca

536 East 5th Street

The spicy miso ramen at this tiny Alphabet City joint is sure to warm up anyone on a cold winter's day. 

But if you're not the spicy food type, Minca has all of the basic ramen styles as well, including the restaurant's namesake bowl, which comes with half pork broth and half chicken broth.



11. Jin Ramen

3183 Broadway

If you're feeling especially hungry, head over to Jin Ramen, where you can order kaedama (an extra order of noodles) to finish off your bowl.

While Jin offers shio, shoyu, and tonkotsu ramen, its spicy tonkotsu is the biggest crowd-pleaser. It's made with a creamy pork broth that is prepared for around six hours before being mixed with their special sauce and topped off with spicy sesame oil.



See the rest of the story at Business Insider

The 22 most exciting new shows of 2017 you have to see

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the young pope hbo

As the movie business continues to favor blockbusters and established film franchises, talented people are running to television. For the most part, viewers are reaping the benefits.

An FX study estimates that the amount of original scripted shows will reach 500 in 2017 – up from 455 in 2016. It's really becoming impossible for any person to keep up with all the most exciting shows coming down the pike.

But don't worry, here's a list of the shows we believe deserve your attention. It's nearly three dozen of the most exciting series slated to premiere in 2017. We're not saying these will be the most critically acclaimed shows of the year, we're just pointing out the ones that will get people talking.

From Starz's "American Gods" to NBC's "Midnight, Texas," and HBO's "Young Pope," here are the 22 upcoming new shows we're most excited about in 2017:

SEE ALSO: 12 TV shows you're not watching that you need to see

DON'T MISS: 20 TV shows you're watching that are probably going to be canceled

"The New Celebrity Apprentice" (NBC), Currently airing

There are two major reasons to tune in to NBC's new iteration of "Celebrity Apprentice." Is Arnold Schwarzenegger as entertaining as Donald Trump? And then there's the action star and former California governor's version of "You're fired."



"Emerald City" (NBC), Currently airing

For today's viewers, NBC's remake of the classic "Wizard of Oz" story is decidedly more edgy and sexier than the original. The basic tenets of the story are all there, but it has a diverse cast, a much more epic scope, and takes place in a violent period for the magical land. Director Tarsem Singh Dhandwar ("Mirror Mirror,""The Cell") serves as an executive producer and directs the series.



"Taboo" (FX), Currently airing

Oscar nominee Tom Hardy, who was in "The Revenant" and "Mad Max: Fury Road" last year, rides the line between London gentleman and savage as James on the FX event series, "Taboo." It's 1814, and he's returning to London after 10 years in Africa. Believed dead by those who knew him, James returns to protect his father's legacy against his enemies, and finds himself in a face-off against the most powerful trading firm of the time, the East India Company.

"Blade Runner" director Ridley Scott serves as an executive producer.



See the rest of the story at Business Insider

18 of the hottest under-the-radar startups to watch in 2017

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Bellhops

Silicon Valley and its New York counterpart Silicon Alley have long reigned as the main coastal hubs for tech innovation. 

Founders, venture capitalists, and tech employees flock to the Bay Area and New York City to launch and build startups, fund new ideas, and simply just live among their tech-obsessed brethren. 

But there's a new wave of companies eschewing the Valley/Alley life in favor of building their startups in their hometowns or in less tech-focused metros. Now, places like Utah, Seattle, Boston, and Colorado are becoming hubs for enterprise and consumer startups. 

We've compiled a list of exciting startups outside of New York and San Francisco by talking to investors, fellow journalists, and active members of the tech scene. Unless otherwise noted, all funding information comes from venture capital database PitchBook. 

Below are some of the most exciting startups from cities across the US. 

SEE ALSO: The 21 hottest women-founded startups to watch in 2017

Uptake is helping to improve some of the nation's oldest industries.

Where it's from: Chicago, Illinois

What it is: Uptake uses analytics and predictive software to increase safety and enhance performance for companies in industries like construction, aviation, mining, and rail, according to Forbes. Uptake was founded by Groupon cofounder Brad Keywell and has the backing of construction-equipment giant Caterpillar.

Founder: Brad Keywell 

Funding: $51 million from Lightbank, Caterpillar, GreatPoint Ventures, and New Enterprise Associates.

 

 



Hudl is a tech tool for sports teams.

Where it's from: Lincoln, Nebraska

What it is: Hudl is a key component in helping more than 100,000 sports teams nationwide win games. The startup allows coaches to record or upload video to its platform, annotate it with text, drawings, or voice, and share it with players on their mobile devices. 

Founders: David Graff, Brian Kaiser, and John Wirtz 

Funding: $77 million from Accel Partners, Nelnet, Nebraska Angels, and others.



Heptio wants to take Kubernetes mainstream.

Where it's from: Seattle, Washington

What it is: In 2014, Google released the free software Kubernetes— a tool to manage and maintain huge piles of containers that's based on the tech it had developed for the same function. Kubernetes became a smash hit, with developers all over the world using it to get a little bit of that Google magic in their own computing infrastructures. Now two of its founding team members have launched a new startup, Heptio, to turn it into a business and make it accessible to enterprises everywhere.

Founders: Joe Beda and Craig McLuckie

Funding: $8.5 million from Accel and Madrona Ventures.



See the rest of the story at Business Insider

The weird and spooky stories told by people who explored the internet's hidden websites

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surprised hacker

The "Dark Web" is a hidden corner of the internet that is home to many things people want to keep in the shadows: drugs, counterfeits, stolen items, and so on.

But there are also far stranger elements.

A popular thread on Reddit once asked the simple question, "What's your Deep Web story?" In other words, the Reddit user was asking people to share any weird experiences they had encountered while using anonymous web services to access secret websites.

Services like Tor, which mask a user's identity and let them browse the internet anonymously, give access to a slew of websites better known as the Dark Web (or Deep Web). These sites won't work on a typical web browser like Google Chrome. 

Silk Road is the prototypical example of a Dark Web site, a now-closed black market for goods, whose notorious founder is now in prison. Silk Road is closed, but what else is out there?

Here are some of the bizarre and creepy things you can stumble on when accessing the dark underbelly of the web, as told by the people who actually experienced them.

The post is based on a previous post by Cale Guthrie Weissman.

SEE ALSO: How to access the Dark Web, where all sorts of illegal stuff goes down online

What things can you buy?

One of the main reasons people use the Dark Web is to buy goods they want to keep hidden. But how weird do these get? Some users have some pretty bizarre tales ...



For the DIY surgeon ...

Sometimes you can find the everyday things on the Dark Web. But what makes it "illicit" is how you market it. Take this (very gross) example of something for sale on Silk Road:

DIY vasectomy kit on SR. it was a kit of weird dentist tool looking hooks and some tube thing. $20.



"Wish Pills"

One person found a "wish pill."Here's the description:

Basically you take the pill, make a wish and it's suppose to make it come true. It just made me laugh how much they were trying to sell it off as something real, they made up fake elements that were supposedly found in nature and showed videos of them "making the pill" (Which was really just a bunch of blue lights being flashed at the screen).

They were selling it for a $100 a pill, sad thing is there were probably a few idiots who actually bought it.



See the rest of the story at Business Insider

The 10 best places in the world to retire in 2017

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Playa del Carmen Beach Mexico

There’s a new best country in the world to retire, according to the experts at International Living (IL), an authority on global retirement and relocation opportunities. In its Annual Global Retirement Index, Mexico — one of the most popular countries among U.S. expats — has edged out last year’s No. 1, Panama.

But truth be told, Mexico (which was ranked No. 3 in 2016), Panama and Ecuador are within a hair of each other in the new International Living rankings.

“There’s just a tenth of a percentage point difference in their total rankings,” said Dan Prescher, an International Living senior editor who lives with is wife Suzan Haskins in Cotacachi, Ecuador.

Retiring Abroad Is Growing in Popularity

If you’re intrigued because you’re considering joining the expat community, you’re in good company.

According to a recent AP story by Maria Zamudio, the number of Americans retiring outside the U.S. grew 17 percent between 2010 and 2015. Currently, about 400,000 American retirees live abroad. And, Zamudio noted, that number is “expected to increase over the next 10 years as more baby boomers retire.”

Where the International Living Top 10 Countries Are

Six of IL’s Top 10 places in this year’s ranking are nearby, in Latin America — either in North America (No. 1 Mexico), Central America (No. 2 Panama, No. 4 Costa Rica and No. 8 Nicaragua) or South America (No. 3 Ecuador and No. 5 Colombia). Just three are in Europe (No. 7 Spain, No. 9 Portugal and a new addition to the winners’ list, No. 10 Malta); just one is in Asia (No. 6 Malaysia). Thailand, No. 7 in last year’s rankings, fell out of the Top 10. (See the slideshow below for specifics about each of the 10 countries atop International Living’s 2017 list.)

Incidentally, communities in Mexico, Colombia, Spain, Nicaragua and Portugal are also in the just-released Top 10 Best Places to Live Overseas in 2017 from Live and Invest Overseas.

Most of International Living Top 10 countries this year “have been heavyweight contenders in our Index for some time,” said Eoin Bassett, IL’s editorial director, who is based in No. 21 Ireland. This year, IL turned its sights on 24 countries, adding Bolivia to its list (No. 18, by the way).

Where the Buys Are

“The big news for U.S. citizens in the past year regarding retiring around the world was the strength of the dollar. It has made living in some countries, especially Latin America, incredibly cost effective,” said Prescher. “The exchange rate was outrageous in our favor. The Mexican peso today is 20 to 1 against the U.S. dollar, which has made Mexico an incredible deal.”

Expats in Mexico told IL that they live well there on as little as $1,200 a month. “My rent is $575 a month for a two-bedroom apartment with a great modern bathroom and nice kitchen,” San Francisco native turned Puerto Vallarta resident Jack Bramy told International Living.

How International Living Ranks Countries for Retirement

To compile its 2017 ranking, International Living’s editors, correspondents, contributors and contacts around the world crunched data and personal insights for 10 categories (from Cost of Living to Visas & Residence to Fitting In to Climate).

Cost of living is a major retirement concern for Americans, according to a recent Transamerica Center for Retirement Studies survey of U.S. workers. Respondents told Transamerica that an affordable cost of living was their most important criteria for where to live in retirement.

So what else made these 10 countries so great this year?

Mexico was best among International Living’s Top 10 for Entertainment & Amenities, but also had impressive scores in every other category.

I asked Prescher why Mexico scored so well for entertainment and amenities. Turns out, he and his wife were visiting the picturesque town of Ajijic, in western Mexico, at the time. “Oh man, there’s nothing like good quality Mexican food and music,” he said. “We’re just 50 minutes from Guadalajara, the second largest city in Mexico and a world-class city like Miami. If you can’t find it or do it in Guadalajara, it’s not worth finding or doing.”

What Made the Winners Win

Runner-up Panama received IL’s best scores for Benefits & Discounts and Visas & Residence. “Panama changed its visa situation a little and it’s now incredibly easy to get a residency visa,” said Prescher.

The country is also well known for its Pensionado program of discounts for retirees there who receive at least $1,000 a month in income. The deals, which Prescher says are “some of the best in Central America and South America,” include 50 percent off entertainment; 30 percent off bus, boat and train fares; 25 percent off airline tickets and 20 percent off doctor’s bills. Prescher also calls health care in Panama City “world-class.”

Ecuador had top scores for Buying and Renting (tied with Nicaragua) and for Climate. “Ecuador has always been one of the most affordable places for real estate in Central America and the strong dollar did nothing but improve that,” said Prescher. And don’t get the ex-Nebraskan started on the unbeatable weather in his now-home country; living near the Equator, he pays nothing for heating or air conditioning.

Costa Rica led the Top 10 for Healthy Lifestyle (tied with Nicaragua); Malaysia for both Fitting In (“it’s a nexus for world cultures,” said Prescher) and Health Care (it’s a popular medical tourism destination); Spain for Infrastructure (great mass transit and Internet) and Nicaragua for Buying & Renting, Cost of Living and Healthy Lifestyle.

Bassett calls Nicaragua “the lowest-cost retirement destination in Central America,” adding that “every year it offers more and more by way of amenities and opportunities.”

Along with Spain and Malta, Bassett noted, Portugal “is an even more appealing destination heading into 2017 with the strength of the dollar against the Euro.”

Advice for Retiring Abroad

Even the International Living folks don’t think you should move to a foreign country for retirement just because it scores well in their (or anyone else’s) ranking, though. Before relocating, said Prescher, “profile yourself ruthlessly about what you really want in a place. Find out what you can and can’t live without.” Then, be certain any locale you’re considering is a match.

And before making a permanent move to a particular place, Prescher added, “try it out for as long as you can. See what it’s like to be there not just on vacation, but long enough to set up Internet access and to open a bank account.”

I’d add one giant caveat about the International Living rankings: The political and economic climate in the U.S. in 2017 could change considerably, which could, in turn, affect the lure of some countries as retirement havens.

As Prescher said presciently: “The presidential situation has changed completely, so everyone will be watching. What we will do with our relationship with Mexico and European countries is anybody’s guess.”

The following are the Top 10 countries to retire abroad in 2017, according to International Living (IL), an authority on global retirement and relocation opportunities. The ranking comes from IL’s Annual Global Retirement Index, sizing up 24 countries in 10 categories from Cost of Living to Climate.

SEE ALSO: A couple who quit work at 43 to travel Europe on $18,000 a year share their best advice for retiring early

DON'T MISS: How much money you need to save each day to become a millionaire by age 65

1. Mexico

Mexico knocked off last year’s No. 1 Panama because you can live well there for under $1,200 a month, it’s close to the United States, the locals are friendly, English is widely spoken in popular retiree spots, the expat community is large (more than 1 million Americans live there), health care is affordable and high quality and the culture and lifestyle are fantastic. And after becoming a legal resident, retirees over 60 can grab special discounts on airlines, restaurants, groceries and medical care.

Although IL’s experts say there are parts of Mexico they can’t recommend due to crime, the country overall offers “arguably the easiest transition to expat life around.”

Best of all, says IL, “your dollars now buy nearly 50 percent more pesos than they did just a few short years ago.”

Expat Jack Bramy told IL’s editors: “The cost of living in Mexico allows me to live a fun life on my Social Security check.”



2. Panama

International Living editors describe their second-best place in the world to retire as “modern, comfortable and tolerant.” Panama’s also extremely convenient for Americans. Better still, says IL, Panamanians usually treat foreigners like VIPs.

Says IL Panama Editor Jessica Ramesch: “With top-notch cellular and internet connections, Panama offers a user-friendly and familiar environment you may not have expected to find in the warm, sunny tropics.”



3. Ecuador

Ecuador has been at or near the top of International Living’s annual best places to retire index for years. A few reasons: excellent weather (you can choose almost any climate you like by moving up or down in altitude); affordable health care and real estate and an assortment of retiree benefits.

“Fitting in once you arrive is remarkably easy,” said IL Senior Editor Dan Prescher, who has lived in Ecuador with his wife for years.



See the rest of the story at Business Insider

10 self-made American billionaires

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george soros

The United States of America is known throughout the world as the Land of Opportunity. It’s where “rags to riches” isn’t just a myth but a reality, so long as you’re willing to dream big, work hard and be receptive to opportunity. American history abounds with examples of men and women who pulled themselves up from humble beginnings to become wealthy, respected entrepreneurs and innovators—think Andrew Carnegie, John D. Rockefeller, Henry Ford and many more.

That proud tradition lives on today. Read on to learn more about 10 of the most successful living, self-made American billionaires!

1. Do Won Chang, founder of Forever 21

Net worth: $6.5 billion

In 1981, Do Won Chang and his wife made the journey from South Korea to the U.S., arriving penniless. After working three jobs simultaneously—as a dishwasher, gas station attendant and janitor—Do Won decided to open his own retail clothing store. In 1984, he opened a small store in Los Angeles called Fashion 21, which made $700,000 in sales the first year. Today, Forever 21, as it’s now known, rakes in $4.4 billion in annual sales among its 790 stores worldwide.



2. Howard Schultz, former Starbucks CEO

Net worth: $3.1 billion

Growing up poor in the Brooklyn projects, Howard Schultz always had ambitions to “climb over that fence” and “achieve something beyond what people were saying was possible.” After college, he went to work at Xerox but was a huge fan of a coffee shop called Starbucks. He became its CEO in 1987 at the ripe old age of 34, growing its number of locations from 60 to nearly 24,500 worldwide today. In December 2016, Schultz, 63, announced he was stepping down as CEO to help raise awareness for homelessness and possibly pursue a political career, having reportedly been on Hillary Clinton’s shortlist for vice president.



3. Oprah Winfrey, media mogul

Net worth: $2.9 billion


Oprah Winfrey’s childhood was the very definition of abject poverty. Born in rural Mississippi to a single teenage mother, she ran away from home at 13 and, at 14, lost her baby during childbirth. Oprah’s fortune reversed when she received a full college scholarship and drew the attention of a radio station. She got her own TV show in 1983 at the age of 30 and, in 1988, founded Harpo Studios, which gave rise to her media empire now consisting of TV shows, magazines, films and the Oprah Winfrey Network (OWN). Many investors might be familiar with the “Oprah Effect,” referring to the effect one of Oprah’s endorsements can have on a company’s stock, such as when she invested in Weight Watchers in October 2015.



See the rest of the story at Business Insider

GUNDLACH: Here's how we'll know the bond bull market is dead

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Screen Shot 2017 01 10 at 4.13.52 PM

DoubleLine Capital founder Jeff Gundlach said that if the 10-year Treasury yield hits 3%, it would mark the end of the bull market in bonds.

Gundlach hosted his annual "Just Markets" webcast on Tuesday, January 10 to discuss his 2017 outlook.

In what appeared to be a jab at Bill Gross, a portfolio manager at Janus, Gundlach referenced "second-tier bond managers" focusing on a 2.6% yield on the 10-year note as the market's death spell.

"If 2.60% is broken on the upside — if yields move higher than 2.60% — a secular bear bond market has begun,"Gross said in his monthly investment outlook earlier on Tuesday. Bond yields rise when their prices fall. 

In Gundlach's December webcast, he said a rise in the benchmark 10-year yield to 3% and above would have "a real impact on market liquidity in corporate bonds and junk bonds."

Gundlach also warned of a sell-off in the stock market around inauguration day on January 20, as investors grasp that President-elect Donald Trump doesn't have a magic wand to implement the growth plans they are optimistic about.

His DoubleLine Total Return Bond Fund posted a net outflow of $3.5 billion in December, its biggest one-month withdrawal ever, data from research firm Morningstar showed earlier in January. The webcast did not discuss any funds.

Here are highlights from Gundlach's presentation:

SEE ALSO: Wall Street's smart money is dumping the biggest trade in stocks since Trump's election

DON'T MISS: Want to get ahead on Wall Street? Here's everything you need to know to land your dream job

Here's a recap of 2016 ...

It had the worst start for the stock market ever, and ended near all-time highs. 

When the Dow "made it to 19,999 [last week], I suppose you can call it 20,000 for all intents and purposes," Gundlach said. 



... across markets.



"I certainly expect that 2017 will be a third year of rising bond yields."



See the rest of the story at Business Insider

33 examples of Tom Brady's insane competitiveness

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tom brady

To be as good as Tom Brady is at age 39 requires a super-natural desire to compete.

And during Brady's 19 years in the NFL, his competitiveness has become legendary.

Across the league, there are stories of Brady's intense desire to win, top-notch preparation off the field, and extreme self-confidence that prove nobody loves competing as much as Brady.

Check out 33 of the best examples of Brady's competitiveness below.

It started in high school for Brady. He used to have his high school teammates over his house to study film while his mom made them lunch.

Source: WEEI



But it wasn't always easy. He hired a psychologist to deal with the stress of being the seventh-string QB when he first got to Michigan.

Source: ESPN



Tom Brady knew he'd be great. When he was drafted, he reportedly told Patriots owner Robert Kraft, "I'm the best decision this organization has ever made."

Source: MMQB



See the rest of the story at Business Insider

12 parents reveal their best money-saving tips

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Parent kids cooking kitchen family

Ask any parent for their best money-saving tips and they're bound to have a trick or two up their sleeve. 

After all, raising kids is expensive: The average American family pays over $11,000 just in the first year of a child's life, and nearly $250,000 by the time they're 18

Business Insider asked parents with children of all ages to weigh in on the financial side of having kids, and they shared their best advice for keeping their household bills in line while supporting a family. 

Below, we've anonymously included 12 of these parents' best money-saving hacks (Note: Responses have been edited for length and clarity.):

SEE ALSO: Real parents reveal 16 kid expenses that are worth the money

DON'T MISS: The biggest money mistake parents make before having their first child

"Shop consignment shops for kid's clothes. Save 'new' clothes for special occasions."



"Know what you're trying to accomplish and understand your values. It's easier to say no to impulse buys and pointless spending when you know your values and have an idea of how to use your money to accomplish your most important goals"



"Use free technology programs that can help you payoff loans or save more. Student Loan Hero allows you to learn how to manage student loans, Acorns to roundup change towards savings, and Level Money to create a budget."



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The 20 best college towns in America

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boulder

Boulder, Colorado, is the top-ranked college town in the US, according to a new list from American Institute for Economic Research (AIER).

The city of roughly 200,000 people earned the top spot thanks to its ease of accessibility — with more than 20% of commuters taking public transportation or cycling around Boulder Creek Corridor — and diverse and educated population. Boulder also has an active bar and restaurant scene, with plenty of coffee shops and microbreweries.

AIER calculated its list using nine economic, demographic, and quality-of-life factors. It defines small towns as having less than 250,000 residents.

Aside from the overall ranking, we included cities' individual scores for noteworthy metrics including rent, earnings, and bars and restaurants. Of the nine metrics cities were rated based upon, we chose the one for which they scored highest.

Scroll through to find out the 20 best college towns.

SEE ALSO: 14 things that are harder to get into than Stanford

20. Bellingham, Washington — home of Western Washington University

Population: 208,832

College student population in the metro area: 24,926

#4 Arts and Entertainment



19. La Crosse, Wisconsin — home of The University of Wisconsin-La Crosse

Population: 136,824

College student population in the metro area: 16,081

#1 Youth Unemployment

 



18. Jacksonville, North Carolina — home of The University of Mount Olive

Population: 186,684

College student population in the metro area: 15,297

#3 Rent



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Here is the stunning $1.5 billion stadium being built for the Atlanta Falcons

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The Atlanta Falcons will host the Seattle Seahawks in the divisional round of the playoffs in what could be the last NFL game ever in the 25-year-old Georgia Dome.

The Falcons are expected to move into Mercedes-Benz Stadium next season, a stunning $1.5 billion stadium with a retractable roof. It is like nothing else ever seen in the NFL and looks from the outside like a gigantic metal origami structure.

While construction is not expected to be completed until June, the Falcons released a video showing what the stadium will look like. Here are some of the features.

Here is the outside of the stadium and the area surrounding it, which includes a fan plaza, solar panels, and electric-vehicle charging stations in the parking lot.

 



One side of the stadium is a ground-to-roof window.



The stadium will have a retractable roof unlike any other, opening up like a flower and inspired by the Oculus in the Pantheon of ancient Rome.

 



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Forget about that 'Super Mario' game on your iPhone — this is the new Mario game you're looking for

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Nintendo this week unveiled a brand-new Mario game on a brand-new game console: It's called "Super Mario Odyssey," and it's a brand new, 3D Mario game coming to the Nintendo Switch.

Super Mario Odyssey

Nintendo debuted "Super Mario Odyssey" in a flashy new trailer on Thursday night, and we've got a breakdown of what to expect from the game below:

SEE ALSO: Here's everything we just learned about Nintendo's new $300 console, the Switch

DON'T MISS: Here are all the games that will launch on the new Nintendo Switch console

First things first: This is definitely a 3D Super Mario game, in the lineage of "Super Mario 64" and "Super Mario Galaxy." That means it's a "sandbox-style" game. The world is segmented into levels, but the levels are massive and open-ended.



"Super Mario 64" was both the first 3D Mario game and the first Mario game where levels were open-ended. No flagpole, no definitive beginning and end. Instead, you collected stars in any order you wished.



In "Super Mario Odyssey," Mario explores a variety of real-world locations. He's got a flying ship for getting from place to place:



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GOLDMAN SACHS: 13 stocks that could explode

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goldman sachs traders

The US stock market may be at an all-time high, but there are still stocks that could offer significant upside potential, according to Goldman Sachs.

Goldman ranked US stocks that possess the most upside potential, based on the percent difference between the stocks' current prices and Goldman's target price.

According to the firm's ranking, shares of Mylan, the US pharmaceutical company, have the most upside potential followed by Range Resources, a natural gas company, and Envision Healthcare.

Amazon, the e-commerce retailer, also figured in the list, with an upside potential of 34.7% from its current price.

Below we list 13 US stocks with the most upside potential, according to Goldman Sachs.

1. Mylan

Ticker:MYL

Current price: $38.15

Target price: $55

Upside to target: +44.2%

Source: Goldman Sachs



2. Range Resources

Ticker: RRC

Current price: $34.36

Target price: $49

Upside to target: +42.6%

Source: Goldman Sachs



3. Envision Healthcare

Ticker: EVHC

Current price: $63.29

Target price: $90

Upside to target: +42.2%

Source: Goldman Sachs



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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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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 



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Only 27 movies have ever hit $1 billion at the box office — here they are

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Minions movie mic drop Bob

With movie-ticket prices increasing and the resurgence of franchises like "Star Wars," films earning over $1 billion worldwide may become commonplace. But for now, there are only 27 movies from the past 25 years that have managed to join this exclusive club.

Using data from Box Office Mojo, we compiled a list of the highest-grossing movies that made $1 billion or more.

From "Minions" to "Furious 7" and more, keep reading for a look at the box-office hits.

27. "The Dark Knight" (2008)

Total gross revenue: $1,004,600,000

Back in July 2008, people began speculating that Christopher Nolan's "Batman Begins" sequel starring Heath Ledger as the Joker might have the box-office power to set a world record. "There are even whispers starting whether 'Dark Knight' can beat the incredible worldwide numbers posted by the all-time $1.8 billion benchmark of 'Titanic,'"Deadline reported.

"The Dark Knight" remains in the 27th spot when it comes to highest-grossing movies of all time.



26. "The Hobbit: An Unexpected Journey" (2012)

Total gross revenue: $1,021,100,000

When Peter Jackson's first "Hobbit" movie crossed the $1 billion mark, it appeared a good indication the subsequent two sequels would perform equally well, if not better, at the box office. But neither of the second two "Hobbit" films wound up crossing that box-office landmark. Both "The Desolation of Smaug" and "Battle of the Five Armies"made about $960,000,000 each.



25. "Zootopia" (2016)

Total gross revenue: $1,023,800,000

Disney's "Zootopia" is one of four animated features the studio has made that have crossed the $1 billion mark.

"Not only did it earn Disney Animation's biggest opening ever — debuting to $75 million," Entertainment Weekly reported in July 2016, "but it also set a record for the biggest animated March opening of all time."



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13 signs you're better at adulthood than you think

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The Great Secret of Adulthood is that no one ever really feels like an adult.

All around you, 30-somethings in business suits eating fancy salads and sending important client emails are desperately hoping you won't discover that they're really an eight-year-old who'd so much rather be watching cartoons and eating ice cream.

But adulthood is less about the salads and the suits and more about things like handling challenging situations at work, knowing yourself well, and showing compassion for other people. In other words, the more subtle stuff.

Below, we've rounded up 13 of those subtle signs that you are, in fact, a real, live adult. It's okay if you don't feel like all 13 signs describe you — even if only a few of them fit, you're well on your way.

SEE ALSO: 19 signs you're a functioning adult — even if it doesn't feel like it

You work hard, but you know your limits

So long to those college all-nighters.

Decades ago, Henry Ford discovered that employees' productivity started to decline after about 40 hours a week.

More recently, researchers have learned that after a few 60-hour workweeks, the quality of your output starts to go down.

It might be tempting to regularly log 12-hour days when you've got a ton of work to tackle. But adulthood is about recognizing that this strategy will ultimately backfire and you'll end up burning out.

Interestingly, some research suggests that much of the time we spend working isn't very productive — meaning that if you cut back your hours, you might not see your productivity decrease.



You're happy to help, but you don't say 'yes' to every request

Declining a coworker's request to work on a project together, or a fellow parent's request to drive their kid to school might seem rude. But it's important to realize that you can't possibly agree every single time someone asks for help.

You'll wind up disappointing everyone.

"Every time you say yes to something, you're really saying no to something else," psychotherapist Amy Morin previously told Business Insider.

Interestingly, she added that "when you say yes to everything, it's about me. I want to feel good about myself; I want people to like me more."

A more adult response whenever someone asks you for something? "I'll think about it," so you can consider whether you really have the bandwidth to help them.



You stick to a budget ... or at least you try to. Sometimes.

There are few worse feelings than logging into your bank account and realizing that you have way fewer funds than you thought. And that next month's planned vacation is definitely out of the question.

If you've managed to avoid that feeling (for the most part), because you stick to a weekly or monthly budget, you're definitely on your way to full-fledged adulthood.

If this is a problem area for you, start with some of the best budgeting tips from readers who have shared their budgets with Business Insider.

For example, you'll want to anticipate any major costs in the near future — like if you're planning to have a kid or go back to school. It's also wise to set aside an emergency fund with several months' worth of expenses in case the unexpected occurs.



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