Each Year, Post Office Travel Money ranks the cheapest holiday destinations in the world based on the essential items you need for a relaxing trip.

This year's ranking looked at destinations in 44 countries around the world, calculating the total average spend for one day in each location based on the cost of 10 key holiday items, including a cup of coffee, a bottle of beer, suncream, insect repellent, and a three-course dinner for two with a bottle of wine.

If testing out beers from around the world is on your bucket list, we've ranked the holiday destinations selling the cheapest beer, based on the data from Post Office Travel Money.

Several far-flung destinations make it onto our list, proving that a cheap night out is even possible in some of the world's most glamorous tourist hotspots. 

Whether you're drinking San Miguel in Costa del Sol or sipping Corona in Cancun, you can find cheap beer all over the world. See the results below.

Note: Prices are based on the average cost of a 330ml bottle of beer in a local café or bar.

17. Tamarindo, Costa Rica — £2.51 per bottle

16. Punta Cana, Dominican Republic — £2.47 per bottle

15. English Harbour, Antigua — £2.38 per bottle

President-elect Donald Trump has nominated former Texas Governor Rick Perry to lead the Department of Energy. The position entails guiding research and policy around energy production in the US, handling radioactive waste disposal, building nuclear reactors, and running the US system of national laboratories, as well as overseeing grants that fund a great deal of cutting-edge scientific research.

That's all in addition, of course, to maintaining the nation's nuclear arsenal.

Unlike those who've filled the role before him for the last decade, Perry has no scientific background. He also once forgot the name of the Energy Department on a debate stage, the now-famous "Oops" gaffe that helped end his 2011 bid for the Republican presidential nomination.

Still, Perry wouldn't be the first non-scientist to head the department. From the 1970s until 2005 the post was held by people without a science or engineering degree (mostly politicians and lawyers). After that, all Secretaries of Energy have held science or engineering PhDs (and one held a Nobel Prize). Take a look:

SEE ALSO: Scientists around the world are worried about a Trump team proposal to ax NASA's 58-year mission to study the Earth

DON'T MISS: California governor: 'If Trump turns off the satellites, California will launch its own damn satellite'

1977-1979: James Schlesinger

James Schlesinger was the first US Secretary of Energy, a Republican picked by President Jimmy Carter to head the department just after it was formed. Schlesinger had served in the presidential cabinet before, leading the Department of Defense from 1973-1975 and playing a significant role in national nuclear policy. As Secretary of Energy he worked to consolidate the department's functions, which had previously been distributed across several agencies, and funded several research efforts, including one of the first federal investigations of the impact of carbon dioxide on our atmosphere.

1979-1981: Charles Duncan Jr.

The second Secretary of Energy nominated under Carter, Duncan had also previously served as Secretary of Defense. Carter was nonetheless criticized for the selection because Duncan, a former executive in the coffee industry, had no direct experience with oil. As secretary, Duncan worked on negotiations with OPEC during a tough period in the global oil economy.

1981-1982: James Edwards

James Edwards was President Ronald Reagan's first, briefly-serving Secretary of Energy. A former governor of South Carolina with a background in oral surgery, Edwards was known as a proponent of nuclear energy, and, like Perry, was implicated in a promise to dismantle the Department of Energy (he didn't).

The New York Times reports that he "struggled" in the post, criticized for his lack of expertise in the field and hamstrung by the Reagan administration's distaste for the department.

A lot is at stake for Asia in 2017.

The region "stands in 2017 at the negative intersection of many of the factors most of concern in this increasingly unpredictable world," according to a note from Deutsche Bank strategists led by Sameer Goel.

Asia is especially vulnerable to a host of geopolitical and macro risks, ranging from a stronger dollar to the policies of US President-elect Donald Trump.

The Deutsche Bank note focuses on what it calls "fatter tails," which is to say there are higher risks.

"The tail comes first and foremost from the exceptionally large amount of uncertainty around the shape and form of the political and economic world order that lies ahead, and particularly given the preference for de-globalization implicit in the support expressed for nationalist governments around the world in recent months," the note said.

Let's take a look:

1. A stronger US dollar

The US dollar has been on a tear since Donald Trump's electoral victory in early November, with markets reacting to his proposed fiscal policy initiatives. It pushed even higher after the US Federal Reserve decided to raise interest rates for the second time this decade.

While a stronger currency is typically considered a sign of economic strength, the dollar move could have negative consequences for the rest of the world, given the dollar's status as a global reserve currency. For starters, it spells bad news for emerging-market companies that have borrowed in dollars.

"Rising USD funding costs, especially when combined with a 'USD shortage', will ultimately undermine economic prosperity globally," Morgan Stanley strategist Hans Redeker said in November.

2. The threat of capital flight

Money has been leaving numerous Asian countries at a faster clip since early last year, forcing authorities to respond.

In China, the government has instituted even stricter capital controls to prevent citizens and corporations from taking the yuan out of the country, according to a note circulated by Wells Fargo's Cameron McKnight and Robert J. Shore on Friday.

This "capital flight" is the result of numerous factors including a decline in the value of the yuan and other Asian currencies against the dollar, which incentivizes savers to move their money into alternative currencies to protect against the devaluation of their home currency.

The potential for two or three interest-rate hikes by the Federal Reserve in 2017 would exacerbate capital flight from Asia, as attractive returns in the US could see investors pull their money out of Asia and put it to work elsewhere.

3. External demand shocks

If protectionism triumphs over free trade in 2017, then it could result in numerous demand shocks, or dramatic changes in the demand of a good or service. That could hurt Asia.

"Simply put, Asia is the most export dependent region in the world with exports averaging 50% of GDP, although there is large variation," the Deutsche Bank note said. "Five out of the top ten contributors to the US trade deficit are in Asia — China, Japan, Korea, Malaysia and Thailand. China is the real elephant in the room, making up nearly 50% of the deficit or $348bn over the past year."

For the first time since the Wii U launched — and subsequently fizzled — in 2012, Nintendo is making a new video game console. It's called the Nintendo Switch, and it's a $300 home console/portable console hybrid.

You can play it at home. You can play it on-the-go. You can do both!

The console is the tablet. You slide it into a dock, and it's a home console. You slide on the two Joy-Con controllers, and it's a portable console. Simple!

The Switch is nearly here — it's scheduled to launch on March 3, which you may notice is pretty soon. Nintendo offered us a chance to try the system at a January 13 press event in New York City. I was there! Here are some thoughts on that experience.

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

DON'T MISS: Here's everything we just learned about Nintendo's new $300 console, the Switch

The first way I played the Switch was as a handheld console, like so.

Here's a clearer view of what Switch looks like in that mode. It's a 6.2-inch tablet with controllers (Joy-Con) attached on each flank.

Before I say anything about the console, I can say with confidence that "Splatoon 2" was a delight to play.

If you think you need a bachelor's degree to have a respectable career, think again.

There are plenty of well-paying jobs with good prospects you can get that merely require some formal postsecondary training, or even just a high-school diploma.

According to US News & World Report's 2017 Best Jobs rankings — which determines the best occupations in the US based on median salary, employment rate, growth, job prospects, stress level, and work-life balance — you could earn upwards of $70,000 with some of these jobs.

Read on to see the 10 best jobs that don't require a bachelor's degree in the US according to US News, with salary data and projected job growth included from the US Bureau of Labor Statistics.

SEE ALSO: The 20 best high-paying jobs in America for 2017

DON'T MISS: The best high-paying job in every state in 2017

10. Optician

Average annual salary: $36,820

Projected growth (2014 to 2024): 24%

Typical education needed: High school diploma or equivalent

Overall 2017 Best Jobs rank (out of 100): No. 54

9. Cardiovascular technologist

Average annual salary: $56,100

Projected growth (2014 to 2024): 22%

Typical education needed: Associate's degree

Overall 2017 Best Jobs rank (out of 100): No. 50

8. Occupational therapy aide

Average annual salary: $31,090

Projected growth (2014 to 2024): 31%

Typical education needed: High school diploma or equivalent

Overall 2017 Best Jobs rank (out of 100): No. 43

The low-cost airline business model has only been around for a couple of decades, but it has developed a major presence in the airline industry.

According to PWC, low-cost airlines account for more than 25% of the world's aviation business.

From a pool of 425 carriers around the world, AirlineRatings.com selected the 10 safest low-cost and leisure charter airlines in the world.

Airline Ratings also compiled a list of the 20 safest traditional airlines from around the world. 

To create its list, the website evaluated each airline based on its standing with international regulators, its fatality record over the past 10 years, its results from an International Air Transportation Association(IATA) safety audit, and whether the airline's country of origin conforms with the International Civil Aviation Organization's 8-point safety parameters.

All of the airlines on this list passed those tests with flying colors. Want a cheap ticket and a safe flight? Have a look at these airlines.

SEE ALSO: These are the 20 safest airlines in the world

Aer Lingus — Ireland's national carrier — operates a hybrid low-cost model that offers some of full service luxuries on its long-haul routes. The airline has not suffered a fatal accident since the 1960s. Aer Lingus is now a part of International Airlines Group (IAG) and is a sister of company of British Airways and Iberia.

JetBlue: AirlineRatings.com awarded Jetblue the honor of being the best low cost airline in North and South America. Jetblue has never had a fatal accident in company history.

Jetstar Airways is the low-cost subsidiary of Qantas — AirlineRatings.com's safest airline in the world. The Melbourne-based airline has not suffered a crash in company history.

If your daily routine were a college assignment and you submitted it to your professor the scientist, chances are it would come back with a whole lot of red ink.

That is to say, you're probably making a ton of mistakes every single day that can sabotage your productivity and happiness. Think drinking coffee too early and listening to music while doing focused work.

The good news is, you can't get an "F" in life.

In fact, once you read the list below, you'll have every opportunity to revamp your daily schedule and make — at least some of — the changes we recommend. We're not talking major life overhauls — more like tweaks and adjustments with potentially huge effects on your well-being.

Here's to a new you in 2017.

SEE ALSO: 7 things not to do when you first wake up

6:30 a.m. Hitting the snooze button

There's nothing quite so delightful as a few more minutes of sleep in between alarms.

But as sleep expert Timothy Morgenthaler told Business Insider's Jessica Orwig, "Most sleep specialists think that snooze alarms are not a good idea."

That's partly because, if you fall back into a deep sleep after you hit the snooze button, you're entering a sleep cycle you definitely won't be able to finish. So you'll likely wake up groggy instead of refreshed.

A better bet? Figure out how much sleep you need on a nightly basis and make sure to get that amount. Easier said than done — but you'll be glad you did.

7:00 a.m. Checking email as soon as you wake up

If you sleep near your phone (and most Americans do), it's easy to roll over and start mindlessly scrolling through your inbox.

Don't do it.

As Julie Morgenstern, author of the book "Never Check Email in the Morning,"told The Huffington Post, if you start your morning this way, "you'll never recover."

"Those requests and those interruptions and those unexpected surprises and those reminders and problems are endless," she said. In fact, she advises waiting a full hour before wading into your inbox: "There is very little that cannot wait a minimum of 59 minutes."

7:45 a.m. Drinking coffee while getting ready for work 

If you think you can't function until you've downed a cup of joe, think again.

Your body naturally produces higher amounts of the stress hormone cortisol, which regulates energy, between 8 a.m. and 9 a.m. So for most people, the best time to drink coffee is after 9:30 a.m.

If you consume caffeine before then, your body will start adjusting by producing less cortisol in the early morning — meaning you'll be creating the problem you fear. 

Civil rights leader Martin Luther King Jr. was just 39 years old when he was assassinated on April 4, 1968, but the values he stood for — acceptance, equality, non-violent protest — have echoed throughout the five decades since.

His speeches were bold, triumphant, and touched with King's tireless need to revise. As the perfectionist spoke, millions listened.

On Martin Luther King Jr. Day, here are some of the most inspiring words the activist spoke during his short life.

SEE ALSO: Martin Luther King Jr.'s wife wrote a letter condemning Jeff Sessions in 1986

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.

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

On January 12, President Barack Obama created five new national monuments, bringing his total to 34 — more than any other president.

In total, the new monuments cover about 55,000 acres. Two of the protected areas — the California Coastal National Monument and Cascade-Siskiyou National Monument — are expansions of monuments designated by Bill Clinton. The other three will preserve historic sites related to Reconstruction and the Civil Rights Movement, including the hotel that once served as Martin Luther King's civil rights campaign headquarters.

Throughout his time in office, Obama has used the Antiquities Act, which Roosevelt signed into law in 1906, to set aside public land for conservation. He has ramped up those efforts as the end of his presidency draws near, furthering his administration's environmental legacy before President-elect Donald Trump takes office. In December, 2016, he created two national monuments in Utah and Nevada, covering over 1.5 million acres of land.

Added up, Obama has protected more than 550 million acres— more than double the amount that the well-known conservationist Theodore Roosevelt did. His preservation agenda has been largely applauded by environmentalists but criticized by some conservatives for placing too much land under federal control.

The majority of Obama's addition to the nation's protected acreage, however, is water — the president created and expanded several massive marine national monuments in the Atlantic and Pacific oceans (not to mention his ban on Arctic drilling).

Here's the full list, in reverse chronological order.

SEE ALSO: 15 of the most beautiful public spaces in the world, according to urban designers

Cascade-Siskiyou National Monument

Location: Oregon and California

Size: 48,000 additional acres

Date of proclamation: Bill Clinton established the monument in June, 2000, setting aside 52,000 protected acres. On January 12, 2017, Barack Obama expanded the monument by adding roughly 42,000 acres land in Oregon and 5,000 acres in California.

Birmingham Civil Rights National Monument

Location: Birmingham, Alabama

Size: 0.88 acres

Date of proclamation: January 12, 2017

California Coastal National Monument

Location: California

Size: Obama first expanded the monument to include 1,665 additional acres, then later added 6,230 more acres.

Date of proclamation: Bill Clinton established the monument in January, 2000, and Obama has since expanded it two times (so it counts twice in his list of monuments created). The first expansion was on March 11, 2014, and the second on January 12, 2017.

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

New Year's resolutions are hard to keep. After all, they require time, energy and more annoyingly, money. 

Udemy, one of our favourite online course providers, know that. To help you stick to your resolutions, they are offering our audience a site-wide sale. 

Right now, you can enroll in some of Udemy's best-selling courses for just £15 each through to January 19 by using the promocode " SUCCEED15".  

Whether you want to find a new hobby, learn a new language, or further your career, Udemy helps you do that from the comfort of your home, at your own pace, and without burning a hole in your wallet. 

With hundreds of courses available on their website, we rounded up a few of our favourites to give you some inspiration. 

Become a SuperLearner 2: Learn Speed Reading & Boost Memory

Learning may seem like an essential skill anyone should have, but you should also know how to learn properly. This course will teach you how to read and boost your memory skills efficiently to help you become a super-learner. From new hobbies to languages, you'll be able to learn anything with ease.

Become a SuperLearner 2: Learn Speed Reading & Boost Memory, £15 (originally £145)[90% off]

Chinese Made Easy: Understand 65% of Chinese in 10 hours

If you have your eye on a promotion, learning a little known super-language like Mandarin might be your best bet. After all, it's no secret that bosses love people that know how to speak several languages, and a little known one like Mandarin could set you apart from the crowd. 

Chinese Made Easy: Understand 65% of Chinese in 10 hours, £15 (originally £20)[25% off]

Learn to Code by Making Games — The Complete Unity Developer

Learning to code can be quite the daunting process. That said, this online course makes coding fun, by letting you create your own games. As well as learning an invaluable skill for the workplace, you might also create the next Candy Crush. Not much can beat that. 

Learn to Code by Making Games - The Complete Unity Developer, £15 (originally £195)[92% off]

Where you store your money matters, especially if you're aiming to build wealth.

Luckily, personal finance site GOBankingRates named the best banks for 2017 across five different categories, so you can find the best one for your individual goals. 

GOBankingRates evaluated the 100 largest banks in the country by asset size according to the FDIC — including both online-only and traditional brick-and-mortar institutions — ranking each on a variety of factors, such as fees, interest rates, financial strength, and customer service.  

Whether you're looking for hassle-free customer service or a place to grow your savings, these banks have you covered. Check out GOBankingRates' category winners below. 

SEE ALSO: Goldman Sachs says millennials didn't inherit a spending habit companies have capitalized on for years

DON'T MISS: 18 of the highest-paying consulting firms for MBAs

BEST FOR CHECKING: Bank5 Connect

A checking account is a must-have, and opening one at Bank5 Connect offers unparalleled benefits. The account earned praise from GOBankingRates for its high 0.76% interest rate, low minimum deposit, and lack of maintenance fees.  

Bank5 Connect also offers customers a host of perks, ranging from free checks to ATM fee reimbursements. Members earn rewards points for every $2 spent using their Bank5 Connect debit card, which are redeemable for gift cards and merchandise. 

Read more about GOBankingRates methodology for best banks for checking.

BEST FOR SAVINGS: Synchrony Bank

Those who stash their savings at Synchrony Bank enjoy a 1.05% APY, no minimum deposit or balance, and no fees or service charges. Loyal customers can also take advantage of perks such as ATM fee reimbursements, travel rewards, and discounts on theme parks, car rentals, and hotels. 

Read more about GOBankingRates methodology for best banks for savings.

BEST NATIONAL: TD Bank

Despite the ease of handling all your banking online, many consumers still prefer to visit a physical location and do business face to face. TD Bank stands out among its brick-and-mortar competitors for its range of top-notch services and products, relatively high APY and tiered interest rates on savings accounts, and competitive CD rates. 

Customers can stop by more than 1,300 branch locations across the US and access TD Bank's customer service representatives in person during bank hours or 24/7 over the phone. 

Read more about GOBankingRates methodology for best national banks. 

From our staunch loyalty to our hometown football team to the importance of philanthropy, many of our everyday habits and beliefs stem from our parents. 

So when it's our turn to pass down nuggets of wisdom to our own children, those timeless lessons from mom and dad are often top of mind. 

Business Insider asked parents with children of all ages to weigh in on the financial side of having kids, and several respondents shared the positive money habits and beliefs they learned from their own parents that they plan to instill in their kids.

Below, we've anonymously highlighted nine money lessons real parents hope their children pick up on. (Note: Responses have been edited for length and clarity.)

SEE ALSO: 13 kid expenses that are not worth the money, according to real parents

DON'T MISS: 9 parents reveal the money habits they refuse to pass on to their kids

"If you limit your spending, you'll have more freedom. Debt takes away your freedom, avoid it whenever you can. And if you're going to borrow, be smart about it and get the best deal you can."

Credit cards carry some of the highest interest rates out there and can put you in a financial black hole if you overspend. Not to mention, it can take years to pay off credit card debt. 

"The importance of working for your money. This is the best way to understand how difficult it is to obtain something and give value to labor."

Everything around us is becoming connected. As a result, we are seeing shifts in investments and returns. There is already a great demand for network expansion, cyber security and insurance. And generally, the prices of hardware will fall as IoT becomes less of a novelty.

All of this opens up a huge opportunity for everyone to make and save a lot of money. We will invest $6 trillion in IoT between 2015 and 2020, which will yield $12.6 trillion ROI over the next decade. Enterprise will make up the majority of the investment dollars, followed by government and consumer.

BI Intelligence has created a slide deck exploring the most disruptive trends in IoT. To get a more detailed view of the progression, landscape and projections of the Internet of Everything, access the complete slide deck by clicking here.

Some of the topics covered include:

• The market drivers for the IoT.
• Forecasts for the IoT market.
• A breakdown of how many industries are utilizing IoT devices.
• A look at how governments are using the IoT to revolutionize their cities and defense.
• An examination of the smart home and connected car market.
• And much more.

Below are 8 sample slides from the 60-page deck. Want the full deck? Access it here for FREE >>

Want the full 60-page slide deck?  Access it Here - FREE >>

Want the full 60-page slide deck?  Access it Here - FREE >>

Want the full 60-page slide deck?  Access it Here - FREE >>

Every job seeker wants to stand out from the competition, but some candidates go about it all wrong.

For instance, according to recent surveys from CareerBuilder, one interviewee sang her responses to questions, while another did a phone interview in the bathroom — and flushed.

"It's hard to say why a candidate would do some of these things," Rosemary Haefner, chief human-resources officer for CareerBuilder, tells Business Insider. "Maybe he or she is nervous, thinks an employer would find it funny, or perhaps the candidate simply has no boundaries."

"Regardless," Haefner says, "it could cost the candidate the job, so funny or not, it's likely not worth risking it with these actions. Your nerves can make you freeze up under the spotlight, and that's normal. How you handle that is what matters."

More than 2,600 hiring managers and employers shared with CareerBuilder the most memorable job-interview mistakes candidates have made. Here are 25 of the most unusual things that happened:

SEE ALSO: 12 things you say that can immediately disqualify you in a job interview

DON'T MISS: Here's what Elon Musk, Richard Branson, and 29 other successful people ask job candidates during interviews

Wrong answers

• When asked what the candidate's ideal job was, they said "painter of birdhouses," even though they were interviewing for a data-entry clerk position.

• A candidate said her hair was perfect when asked why she should become part of the team.

• When asked why he wanted the position, a candidate replied, "My wife wants me to get a job."

• A candidate said he wouldn't be willing to wear slacks because they don't feel good.

• A candidate stated that if the interviewer wanted to get to heaven, she would hire him.

Childish behavior

• A candidate asked to step away to call his wife to ask her if the starting salary was enough before he agreed to continue with the interview.

• A candidate brought his childhood toys to the interview.

Rude behavior

• A candidate started screaming that the interview was taking too long.

• A candidate ate a pizza he brought with him (and didn't offer to share).

The last thing you want to deal with in your job interview is a curveball.

However, if you're interviewing with some of the most successful people in business today, you'd better come prepared for one.

That's because many top execs like to ask interviewees questions that seemingly have nothing to do with the job at hand.

There seems to be a simple reason behind this tactic:

If you've interviewed enough times, you've probably gotten pretty good at selling yourself. Questions like these force you to dig deeper and get honest, think creatively, or even display your logical prowess.

Here are 11 of those questions.

SEE ALSO: 9 things hiring managers should never ask about in a job interview

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

'Are you the smartest person you know?'

As Dartmouth business professor Sydney Finkelstein describes in his new book, "Superbosses," Oracle executive chairman and CTO Larry Ellison makes a point of only hiring exceptionally talented and extremely intelligent employees, and consequently coached his coached his recruiters to ask new college graduates this question.

If the candidate answered "yes," they'd get hired. If they answered "no," the recruiter would ask, "Who is?" Then they'd try to hire that other person instead, Business Insider previously reported.

According to Finkelstein, superbosses like Ellison are confident enough in their own abilities that they aren't worried about employees outshining them, and they aim to hire people who are more intelligent than they are because those employees will challenge them to come up with better ideas and solutions to problems.

'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).

'You are standing on the surface of the Earth. You walk one mile south, one mile west, and one mile north. You end up exactly where you started. Where are you?'

According to the biography "Elon Musk: Tesla, SpaceX, and the Quest for a Fantastic Future," the Tesla and SpaceX CEO likes to ask candidates this riddle to test their intelligence.

There are multiple correct answers, and one is the North Pole.

Goldman Sachs has some ideas about what US stocks to sell in 2017.

Shares of Kohl's Corp., the American retail chain, have the most downside among US stocks, closely followed by Boeing and Transocean, according to the most recent US quarterly outlook published by Goldman Sachs.

The firm arrived at the downside ranking of a stock by looking at the percent difference between its current trading price and Goldman's target price set for the stock.

We provide a list of the top 17 US stocks with the most downside, according to Goldman's rankings, below.

1. Kohl's

Ticker: KSS

Current price: $49.38

Target price: $35

Downside to target: -29.1%

Source: Goldman Sachs

2. Boeing

Ticker: BA

Current price: $155.68

Target price: $113

Downside to target: -27.4%

Source: Goldman Sachs

3. Transocean

Ticker: RIG

Current price: $14.74

Target price: $11

Downside to target: -25.4%

Source: Goldman Sachs

Men's shirt collars have undergone a revolution. The demands of the modern man at the office, as well as after hours, have necessitated this change.

Collars nowadays are typically narrower, shorter, and have a wider spread to allow for the slimmer fits and lapels that are in style these days. It also lets the tie come off after work, which is important in these more casual times.

When it comes to informal business attire, though, there are generally only six types of collars to consider. While the spread collar dominates the space, the more traditional forward point is not too far behind.

Here's how to know which kinds of collared shirts require a tie — and which can go without. 

SEE ALSO: Here are our biggest men's style predictions for 2017

DON'T FORGET: Follow Business Insider's lifestyle page on Facebook!

Can it be worn without a tie? YES

One of the most common collars today is the spread collar, which comes in a variety of angles and points. "Spread" refers to the distance between the collar points.

Can it be worn without a tie? YES

The club collar is a unique style created by an English boarding school that was looking for a way to differentiate its students from the rest. It peaked in the 1930s and has enjoyed a recent revival due to period shows like "Mad Men."

Can it be worn without a tie? YES

Another collar that spent its early day in sport, the button-down collar was first attached to Oxford cloth button-down shirts. Today, the button-down style can even be worn with casual suits.

The money management business could reach "a turning point" in 2017.

That's according to Morgan Stanley, which just published a big report on the industry titled: On the Precipice of Change.

"Evolving customer demands, oversupply, intensifying competition, and secular re-pricing make 2017 a turning point for the industry," it said.

The US bank has identified 10 potential surprises for the industry in the new year.

"These are events we believe have greater than a one-in-three chance of happening, but are not in our base case or priced into the stocks," Morgan Stanley said.

Whether you're an asset manager, a day trader, or just have a 401(k), they may have a big impact on you and your money.

Read on:

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

1. Increased pressure on active management

"The stars are in alignment" for active managers to lower their fees in the new year, according to Morgan Stanley.

Money has been pouring out of their accounts and into index funds at a clip over the past few years, leaving some people wondering if the active management business is dead.

Bill McNabb, CEO of the $3.9 trillion fund Vanguard, said that active managers can survive and prosper, but only if they lower their fees.

Morgan Stanley expects them to do just that. The bank estimates that fees charged by active managers could shrink by more than a third in 2017.

2. Don't buy buybacks

Traditional asset managers have reduced their share count by 7.5% on average over the past three years, according to Morgan Stanley, yet underperformed the S&P significantly.

"We see weak empirical evidence that greater reduction in shares count drives outperformance," the bank said.

With that in mind, Morgan Stanley thinks listed asset managers may be about to recalibrate their payout ratios, so as to invest in growth.

"The maturing sector still has pockets of growth," the bank said. "But achieving growth requires greater investment than in the past; in seed capital and capital to acquire new teams/capabilities and drive consolidation."

3. Consolidation in the mutual fund industry

Mounting pressures in the mutual fund industry will likely lead to some consolidation in 2017.

According to Morgan Stanley, merger and acquisition activity, especially among smaller mutual fund houses, has picked up since 2015 and is likely to "accelerate" in the new year.

"We see four pain points intensifying for a highly profitable industry, which may drive more firms to weather the storm together and improve scale," the bank said.