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17 of the most underrated actors in Hollywood

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haley lu richardson

The best thing an actor could do is disappear into the role and make us forget that we're seeing a performance in the first place.

But that also means that some of the best actors aren't so easy to recognize.

Some of the greatest working actors today seem perpetually overlooked. In their careers, some actors have consistently given critically-acclaimed performances, but have received little awards recognition or always seem shunted into small supporting roles in big blockbusters that don't do justice to their talent.

Here are the 17 most underrated actors in Hollywood. They're a mixture of young breakouts and Hollywood mainstays and, hopefully, they're all on their way to wider recognition.

SEE ALSO: How the best movie of the year so far, 'The Lost City of Z,' almost fell apart

Tessa Thompson was the breakout star of "Dear White People"— and now she's on the rise.

Thompson was hilarious in the 2014 cult favorite "Dear White People,"now turning into a television show without her, and then followed it up as the love interest in "Creed." Since then, Hollywood has offered her small roles in big features, like Charlotte in "Westworld" and Valkyrie in the upcoming "Thor: Ragnarok." But as "White People" showed, she can take on anyone as a main character.



Barry Pepper has been giving reliable performances for decades in movies like "Saving Private Ryan" and the "Maze Runner."

Pepper is one of those actors who's had a small role in everything. He's good at disappearing into a movie. But when he gets a big role, you can't stop watching him. His performance as an incompetent kidnapper in "True Grit" was hilarious, and he was solid as Robert F. Kennedy in "The Kennedys" miniseries, but he deserves more.



Gugu Mbatha-Raw has already played a superstar in "Beyond the Lights"— now she's ready to be one.

The actress had a breakout period in 2013 and 2014 with the indie darlings "Belle" and "Beyond the Lights." Since then, she's picked up some minor roles in high-profile movies like "Beauty and the Beast" and "Concussion," but her career has largely stalled. Hopefully, that will all change with her role in Ava DuVernay's "A Wrinkle in Time" next year.



See the rest of the story at Business Insider

8 minor changes that will make your work and life more enjoyable

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woman smiling happy positive

I think we are all open to making changes in our lives that make us happier and more successful, but few of us follow-through because committing to something that’s going to change our lives is a daunting and massive undertaking, right?

Not necessarily.

Instead of focusing on huge, radical steps, start moving forward by incorporating these eight changes that are so small and simple that you can implement them immediately.

These eight steps can drastically change your life for the better.

SEE ALSO: A millionaire who hid a fortune in the Rockies explains how he views money and happiness after 86 years

1. Reprogram your mind to stay positive

Our thoughts and actions are influenced by our feelings. That’s why when you’re just feeling "blah" because the weather is crummy or you had a stressful week all you want to do is stay in bed.

Here’s the problem. Negativity is all around us. There’s nothing we can do about that, either, but what can do is learn how to reprogram our minds to stay positive. You can't trap every negative thought in the happy-clappy end zone of your mind, but can take charge of your thoughts by:

1. Keeping a gratitude journal. Jot down what you’re thankful for every day instead of worrying what you don’t have. Gratitude will make you happier, increase your productivity and help you sleep better at night.

2. Creating and repeating positive affirmations that acknowledge the progress your are making in the areas where you want to improve.

3. Surrounding yourself with positive people who lift your spirits. Remember, emotions are contagious.

4. Don't acknowledge negative thoughts.

5. Staying active. Exercise releases endorphins but idleness leads to over-analyzing and overthinking.

Related: A Little Gratitude Can Go a Long Way



2. Set your alarm half an hour earlier

One traits many successful individuals have in common is they get up early. While you don't have to wake up at the ungodly hour of 3:45 a.m. like Apple's Tim Cook, you could start setting your early half an hour earlier. So, if you normally set your alarm for 7 a.m., set it for 6:30 a.m.

The reason?

This will give you some extra time in the morning to exercise, meditate, read, check your emails, have breakfast with your family, plan your day, or work on something that you're passionate about.

It saves you from rushing out the door each morning feeling forgetful, unaccomplished and discombobulated. Time tracking is key to self-improvement.

Related: Sleep In and Make Millions: Why You Don't Need to Wake Up at 5 a.m.



3. Clean up after yourself immediately

How long does it really take to make your bed or wash your morning dishes? Maybe five minutes? Here's the thing. If you don't stay on top of these minor chores, they quickly build-up. That cereal bowl and coffee mug becomes a sink full smelly dishes that take a lot of time to clean. If washed immediately, you wouldn't have this headache.

What's more, people who immediately clean-up after themselves, like making their beds every morning, tend to be happier, as well as more successful since it makes you feel accomplished, removes clutter, and gives them a sense of control.

Related: 11 Habits of Truly Happy People



See the rest of the story at Business Insider

I switched from the iPhone 7 to Google's new phone and couldn’t be happier — here's why

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Here are two statements that sound like opposites, but in reality, exist in parallel:

  • The iPhone is a gorgeous, remarkable device.
  • The software running on the iPhone is adequate at best.

The iPhone 7, Apple's latest iPhone model, is an especially impressive piece of hardware. Just look at this sleek object as personal technology:

jet black iphone 7

It's even better in person — it was my "daily driver" phone from December until last week. Even with signs of wear, the iPhone 7 is a ridiculously gorgeous thing. And using it, most of the time, is a pretty good experience. It takes great photos! It's fast!

Last week, I switched to the Google Pixel.

Google Pixel

When it comes to phones, good looks only get you so far — this is a device I use every day, all the time. How it fits into my life is far more important than how much I like to look at it. In this respect, the Pixel is a far better phone.

It's not as pretty as the iPhone 7, but it's better in every other way. Here's why.

REVIEW: Google's first phone makes Siri look trivial

SEE ALSO: 8 reasons Google's Pixel is better than the iPhone

The Pixel nails the most important aspects of modern smartphone design: It's light without feeling cheap, is large but not too large, and has a sharp, large screen.

In many respects, the Pixel looks like a bizarro-world version of the iPhone. It has a similar shape, thickness, and screen size. It has the typical curved rectangle look. The size of the border around the screen, the bezel, is nearly identical.

That's not a knock against it — the iPhone's design is the bar by which smartphones are measured in 2017. For the Pixel to feel and look as solid as an iPhone is a real accomplishment, especially considering this is Google's first real crack at making a high-end smartphone.



But there are two crucial differences in the Pixel's design that distinguish it from the iPhone 7: a fingerprint sensor on the back, and a headphone jack on top.

Ever since the iPhone got the fingerprint sensor, it has been in the same place. It's a great feature — you tap your finger on a spot and, like magic, your phone is unlocked. But its placement is tremendously flawed.

You're just as likely to accidentally drop your phone while pinching it from the bottom in an attempt to unlock it. I certainly am, anyway.

The Pixel solves this flaw in an elegant way, by moving the fingerprint sensor to the back, where your finger naturally rests. As I'm pulling the phone out of my pocket, my finger is already on the sensor. Thus, as I look at my phone, it's unlocked.

It's a small difference, no doubt, but it has a major effect on daily use. It makes the Pixel a faster and more easily accessed device. It also makes it a more secure device, as I'm never holding it by a sliver from the bottom — I'm always gripping it with my full hand, thus preventing needless risk.



The iPhone 7 not having a headphone jack is a critical flaw.

I have nice Bluetooth headphones. I love using them at work because there's no wire to get in the way of my hands flitting between keyboard and mouse. I take them off at the end of the day and plug them in. When I arrive the next day, they're fully charged and ready to go. It's an ideal situation for Bluetooth headphones, which require recharging.

Using those headphones in my personal life — on the New York City subway or while traveling, for instance — is an entirely different experience. Frankly, they get in the way. Another device to charge? And shutting them off means futzing with buttons instead of just taking them out. Not having a wire dangling is nice, of course, but not worth the trade-off, in my opinion.

I say all this because Apple notoriously removed the traditional headphone jack from the iPhone 7. If you really want to use wired headphones, you can plug them into the Lightning port. Otherwise, you're stuck with Bluetooth headphones. It's not an ideal solution, to say the least.



See the rest of the story at Business Insider

13 home decor trends that need to make a comeback

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Modern living room

If fashion has taught us anything, it's that trends are bound to recycle themselves.

Home decor is no different.

There are a number of interior design trends that may have been deemed dated, but that are now poised to make a comeback in modern homes.

Keep scrolling to see home decor trends that are slowly resurfacing.

Canopy beds

What teenage girl didn’t want a canopy bed growing up? There’s just something about them that’s both luxurious and playful. And while they had their heyday amongst noblemen and women, they're making a comeback.

Canopy beds are easy and inexpensive to DIY, and add an extra bit of glamour and warmth to any bedroom.



Patterned wallpaper

Revive drab rooms with patter end wallpaper.

A staple in American homes from the 1960s through the 1980s, subtle prints are a great way to add color and texture to a room. Plus, times have changed, and wallpaper is easier to put in place and remove than it used to be, so don't feel like you're stuck with one design should you change your mind.

 



Wood cabinets

Wood cabinets with natural, dark finishes were super popular up until around the 1980s. More and more modern kitchens are featuring similar wood cabinets and paring them with marble and granite.



See the rest of the story at Business Insider

7 real people share the life hacks that save them thousands

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Whether you’re hundreds or thousands away from hitting your savings goals, you’re probably on the lookout for smart ways to supercharge your efforts. Fortunately, moving the needle in a big way doesn’t require a major or painful lifestyle change—as these seven savers prove.

They tell us how they dialed up their efforts with some simple yet extremely effective hacks—and ultimately saved thousands.

SEE ALSO: 5 reasons you aren't building wealth

“I stockpile my $1 bills.”

Nick D’Urso, 27, co-founder of a nutrition company in Brooklyn, N.Y.

“This may sound like the simplest idea ever, but I’ve been able to save a pretty good chunk of money just by stockpiling my $1 bills over the last five years. For example, if I buy something for $16 and pay with a $20, I take the four leftover singles and put it in a safe.

It took some getting used to, but now it’s become a habit I don’t even think about. The best part? I’ve saved over $9,000 this way! I’ve been tempted to spend it over the years, but I’m happy to say that my willpower prevailed. My big-picture goal is to put a down payment on a house, so I’m keeping my eye on the prize.”



“I rent out my home during peak holiday season.”

Elizabeth Jenkins, 28, communications manager in San Diego, Calif.

“Whenever I’m planning a vacation, I always list my apartment on rental websites, like Airbnb and HomeAway, for the days I’ll be gone. It’s a quick and easy way to help cover the cost of the trip and sock away some additional funds.

During peak travel season, which is May to October in San Diego, I take it a step further by renting out my couch to budget travelers via Airbnb. I love meeting new people, so it’s like free money. At the height of the season, I rent out my entire home. I’ll either stay with a friend or in a budget hotel outside the city, then pocket the profits. I’ve been doing this for a little over two years and have saved roughly $5,000 as a result.”



“I made my savings account super-inconvenient.”

Eliza Cross, 58, entrepreneur and blogger in Denver, Colo.

“My tactic goes back to the old, ‘out of sight, out of mind’ way of thinking. I used to have monthly automatic withdrawals from my checking account to my savings, but soon discovered one major flaw: It was way too easy to transfer money back into checking for small emergencies, like a broken garbage disposal.

So about two years ago, I decided to create an ‘inconvenient savings account.’ I deliberately chose a credit union that’s not connected to my regular bank, then declined the free debit card. If I want to take money out of this account, I have to physically drive there and arrange it with a representative. Because it’s such a pain to access, I rarely move cash back into my regular account—and have been able to save about $4,500 so far.”



See the rest of the story at Business Insider

How people take care of their skin around the world

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skin careThe INSIDER Summary:

  • INSIDER asked Sephora about what's trending in skin care around the world.
  • Sephora found that Vitamin C products are huge in both the US and Australia.
  • Korean skin care products — especially face masks — are becoming popular nearly everywhere, but especially in European countries and in the United Arab Emirates.


One's skin care routine is a very personal thing.

But in the age of social media (and international shipping), we've become obsessed with the face masksmoisturizers, and other skin care products that are generating a global buzz.

INSIDER asked Sephora for research on the most popular skin care trends and products in its markets around the world, to find out how beauty fans everywhere are taking care of their skin.

Here are the skin care crazes dominating at home and abroad.

In the US, beauty products that contain acids are all the rage.

More Americans are starting to add products with acids to their skin care routines.

While acids sound like they don't belong in skin care products, for people who don't have sensitive skin, products that contain just the right amount of certain acids can work wonders.

"Acids, most commonly glycolic and lactic acids, dissolve the 'glue' that holds dead skin cells to the surface of the skin," Cindy Deily, Senior Director of Merchandising for Skincare at Sephora, told INSIDER. "Acids help reduce the appearance of skin wrinkling, even out skin tones, and soften and smooth the skin."

Deily's favorite acid-containing products include Drunk Elephant T.L.C. Sukari BabyfacialFirst Aid Beauty Skin Labs 10% AHA Resurfacing Liquid, Kate Somerville Exfoliate Cleanser Daily Foaming Wash, and Dr. Dennis Gross Alpha Beta Extra Strength Daily Peel.



Vitamin C is also having a moment here.

Americans aren't just getting vitamin C from their orange juice; they're literally feeding it to their skin with moisturizers and serums infused with the vitamin.

"Vitamin C helps to even out skin tone, revitalize skin surface, improve hydration, and keeps skin looking younger longer while fighting the effects of environmental aggressors and external stressors," Deily said.

There are a plethora of products made with vitamin C. But, according to Deily, the best products to look for are Sunday Riley's C.E.O. C+E antiOXIDANT Protect + Repair MoisturizerDrunk Elephant's C-Firma Day SerumOle Henriksen's Truth Serum Vitamin C Collagen Booster, and Dr. Dennis Gross Skincare C+ Collagen Brighten & Firm Vitamin C Serum.



The vitamin is huge in Australia, too.

The vitamin "is having a comeback" in Australia — "especially in a serum or highly concentrated version" that offers immediate results, Kristy Gray, training executive at Sephora Australia, told INSIDER.

A fan of serums, Gray also recommends Ole Henriksen's Truth Serum Vitamin C Collagen Booster, as well as ALPHA-H's Vitamin C serum, and Arcona's Youth Serum.

Australians are opting for products injected with the vitamin to "brighten their skin, reduce hyperpigmentation, and increase radiance," she said. It also helps with anti-aging.



See the rest of the story at Business Insider

Inside the insanely lavish Airbnb homes Drake and Lady Gaga stayed in for Coachella

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drake coachella house

The headliners of any given year's Coachella festival are pretty much music royalty, and at the 2017 fest that just wrapped last weekend, they were definitely treated as such in their accomdations for their stay.

Drake, Lady Gaga, and Kendrick Lamar stayed in luxurious homes provided by Airbnb. The large pool spaces, fire pits, mountain views, and in-home bars (and a wine cellar) gave the artists a lot of room to relax in between their performances, which last over two weekends. One of the Airbnb homes even has a tennis court. As with just about everything that goes on at Coachella, these rentals go all out.

They also come at hefty prices as high as $10,000 a night. But the best part for the stars? They got to stay in them for free. (They shouted out their thanks on social media.)

Here are the luxurious home that Drake, Lady Gaga, and Kendrick Lamar stayed in courtesy of Airbnb for Coachella: 

SEE ALSO: 'Guardians of the Galaxy Vol. 2' lives up to what made the original movie so fun

Drake stayed in this Villa Grande Bellezza Airbnb, which goes for $10,000 per night.



The home is in Benedict Canyon in Los Angeles, several hours of driving away from Indio, California, where Coachella takes place.



It has plenty of space.



See the rest of the story at Business Insider

The best cake from every state

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Sweet Mandy B's

There are few occasions in life where cake isn't a good idea.

Whether you're eating a slice in celebration or in despair, it's still going to taste delicious. We asked our friends at Foursquare to help us find the best slices around the country.

From pineapple cake in Hawaii to red velvet in Tennessee, here are cakes worth traveling for.

ALABAMA: Edgar's Bakery, Hoover

Click here to learn more about Edgar's Bakery >



ALASKA: Middle Way Cafe, Anchorage

Click here to learn more about Middle Way >



ARIZONA: Liberty Market, Gilbert

Click here to learn more about Liberty Market >



See the rest of the story at Business Insider

The brand that makes $425 muddy jeans has an entire line of expensive dirty clothes (JWN)

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Nordstrom fake mud jeans

The internet erupted in outrage on Tuesday over a pair of $425 muddy jeans for sale on Nordstrom's website. 

Mike Rowe, who hosts the TV show "Dirty Jobs" on the Discovery Channel, wrote a blog post calling out the pants. 

"Finally — a pair of jeans that look like they have been worn by someone with a dirty job... made for people who don’t," Rowe wrote.

It turns out, the jeans in question aren't the only expensive dirty clothes that the brand PRPS sells.

Take a look at the rest of the line: 

PRPS sells a muddy jacket to go along with its now-infamous pants. It costs $425.



These $425 pants have red paint stains down the front.



They are described as "wearable abstract art" on Nordstrom's website.



See the rest of the story at Business Insider

Here's where tourists spend the most time in 11 cities around the world — and where locals go instead

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borough market

The INSIDER Summary:

  • TripAdvisor launched a Check-Index to see where travelers and locals spend their time in cities around the world.
  • Tourists often visit museums and monuments, while locals frequent farmers markets and shopping centers.
  • Both groups enjoy Chicago's Magnificent Mile, New York City's Madison Square Garden, and Berlin's Alexanderplatz.


Some travelers consider it a badge of honor to be mistaken for locals in a new city, and try to avoid crowds and clichés by seeking out lesser-known favorites. Others have the confidence to tout selfie sticks and rock their fanny packs without shame as they flock to famous sites. 

If you're looking for a happy medium, TripAdvisor launched a mobile Check-Index to see where both travelers and locals spend the most time in cities around the world — and if those locations overlap.

Here are the most popular tourist sites and local spots in 11 cities around the world.

In San Francisco, tourists love watching sea lions on Pier 39.

Union Square ranks second, and Fisherman's Wharf third.



Locals prefer the farmers' market hall inside the Ferry building.

Locals also love Union Square, closely followed by Market Street.



When visiting Los Angeles, tourists can't miss Universal Studios Hollywood.

They also flock to the Hollywood Walk of Fame, and the Original Farmer's Market.



See the rest of the story at Business Insider

Chino shorts are an essential part of any guy’s summer wardrobe — here are our 10 favorite pairs

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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.

o8vds91gjtxqv32jl0fz0fbtrxbdvnlnGuys who want to look their best can struggle to stay cool when the weather gets warm.

Many fashionable looks for men involve wearing long pants and layers, which emphasize style over comfort.

If you're looking to strike a balance between the two, one of your best options is chino shorts.

Whether you dress them up with a blazer and nice shoes, or keep things casual with boat shoes and a tee shirt, chino shorts will probably pair well with most of your closet.

We've collected 10 of our favorite options below. Some come from brands you've known for years, while others are from newer companies that we've had good experiences with in the past. Either way, there's a good chance that you'll find a pair that fits your style and budget.  

SEE ALSO: Scientists from MIT and NASA helped make this one of the most comfortable dress shirts you’ll ever wear

READ MORE: This startup lets guys design custom shirts for the same price they pay for off-the-rack ones

DON'T MISS: 8 affordable watch companies every guy should know

Everlane 9" Slim Short, $55



Patagonia 10" All-Wear Shorts, $59



Levi’s Straight Chino Shorts, $40



See the rest of the story at Business Insider

Texas hosts the largest Earth Day event in the world — here's what it was like

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Dallas businessman and philanthropist Trammell S Crow founded Earth Day Texas in 2011 and its gotten bigger every year since

DALLAS — Businessman and philanthropist Trammell S. Crow founded Earth Day Texas in 2011 and it has gotten bigger every year since.

This Earth Day weekend, an expected 150,000 people attended the event at the Texas State Fairgrounds. School groups, families, college students saw 850 exhibitors, and about 260 speakers come together to talk about protecting the environment.

Here's what it looked like:

SEE ALSO: Scott Pruitt came to Earth Day Texas, and the whole thing was pretty weird

DON'T MISS: Rick Perry signals the Trump administration's continued division on the Paris climate deal

First of all, Earth Day Texas is huge. Held in Dallas' 277-acre Fair Park, it was a haul to get around.



Crow describes himself as a conservative Republican and an environmentalist. He has made it his mission to get people from those two camps to come together on fighting climate change.



About 850 exhibitors from companies, non-profits, and schools filled 1,720 booths. The Republican Party was set up right across from the Democratic Party.



See the rest of the story at Business Insider

These are the top Netflix shows teens want their parents to watch, according to Netflix

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stranger things netflix

Teens love Netflix.

Earlier this month, Piper Jaffray released the results of its semi-annual survey of teens, and both Netflix and YouTube came in ahead of cable TV in popularity.

Piper Jaffray asked about 5,500 teens "What percent of your time do you spend watching video across these platforms?" On average, the teens responded that they spent 38% of their time on Netflix, 26% on YouTube, and 23% on cable TV. Amazon and Hulu came in much lower at 3% and 4% respectively.

In short: Netflix dominates. But what shows are teens watching on Netflix?

Netflix is notoriously secretive about its data, but from time to time we get some clues. On Tuesday, Netflix released a study of US teens centered around how TV shows can bridge the gap between parents and children, which explicitly mentioned Netflix's recent original show "13 Reasons Why." But one of the most interesting portions came at the end, when Netflix listed the top shows teens would recommend to their parents, to spur conversation.

Here are Netflix's top teen picks for parents (in alphabetical order):

SEE ALSO: Only 8% of college students don't have Netflix, and that's a great sign for the company's future

'Arrow'



'Breaking Bad'



'Daredevil'



See the rest of the story at Business Insider

The best racing game ever made is getting a truly insane addition

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There are few better games on any modern video game console than "Forza Horizon 3."

Forza Horizon 3

It's a killer racing game — the best ever made— but it's also just a fantastic game. One of its strongest features is its variety: There are dozens of cars, SUVs, trucks, and other vehicle types to drive in "Horizon 3," to say nothing of environmental variation. You're just as likely to fly down a twisting coastal highway in this Lamborghini as you are to fly over sand dunes in an off-road buggy.

Forza Horizon 3

There's just one thing missing from the massive open-world of "Horizon 3": Fantastical, gravity-defying madness.

That's where the new Hot Wheels expansion comes in!

Forza Horizon 3

Check it out below:

SEE ALSO: 'Forza Horizon 3' is the best racing game on any game console

First and foremost, the Hot Wheels expansion arrives on May 9 — just a few weeks from now.



As you see in these ridiculous images, the expansion is a completely different take on the typical racing in the "Horizon" racing series.



That means not just Hot Wheels-based cars, but also "miles of looping, banking, giant, iconic, orange Hot Wheels tracks."



See the rest of the story at Business Insider

There are a handful of remaining Blockbusters in the US — here's a look inside

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North Pole Blockbuster

Blockbuster isn't extinct quite yet.

At least 10 Blockbusters are open across the US — a minuscule percentage of the 9,000 stores that existed in the early 1990s, The Washington Post reported. The biggest cluster of Blockbuster locations that remain open is in Alaska.

"We just keep plodding along," Alan Payne, a licensee who owns eight of the last surviving Blockbusters, told The Post. One of Payne's locations is in Texas, and seven are in Alaska, where the chain continues to draw customers thanks to the frigid, long winter and expensive, slow Wi-Fi.

Many Americans haven't seen a Blockbuster — much less gone inside — since the company filed for bankruptcy in 2010. For Blockbuster lovers desperately missing the store, and for video-rental virgins raised on Netflix, here's what it's like to visit one of the handful of remaining Blockbusters in the country.

If you drive through Alaska, Blockbuster's iconic blue and yellow signs may grab your eye.

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You can't miss the distinctive sign.

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The Internet of Everything — $12.6 trillion ROI expected over the next decade [SLIDE DECK]

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future of retail deck slide 10

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 >>



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10 practical iPhone accessories under $20

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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.

LamicallThe world of iPhone accessories is vast, and can range from basic to extravagant.

All of the products on this list cost under $20 and will help keep your iPhone charged and protected, and help keep you entertained.

For many people, myself included, our smartphone is the center of our digital world. Why not make the most of it?

DON'T MISS: 20 must-have tech accessories under $20

SEE ALSO: 9 accessories that’ll help you get more out of your MacBook

A phone case

One of the biggest reasons people don't put an iPhone case on is because of the added weight and bulk, but with this case, that's not a problem. 

Heftier cases will provide more support, but if you're looking for the bare minimum to prevent scratching and some resistance if your phone falls, this is a good option.

Caseology Slim Clear Cushion Grip iPhone 7 Case, $11.99, available at Amazon

Caseology Slim Clear Cushion Grip iPhone 7 Plus Case, $11.99, available at Amazon



A portable battery

I've beaten this drum before, but for good reason. There's no reason not to have an external battery pack anymore; they're inexpensive, can fit easily in a pocket or purse, and will charge your phone in a pinch. 

Jackery Pop Slim 5000mAh External Batter Pack, $16.99, available at Amazon



A pair of Bluetooth earbuds

I love a good pair of headphones, but it's easier to wear a pair of earbuds if you're commuting or going on a trip. In this price range you shouldn't go in expecting an audiophile experience, but Monoprice's option seems to satisfy most people's needs.

The one thing to consider is that these earbuds only have a five-hour battery life, which is fine for a commute but not extended travel.

Monoprice Large-Driver Bluetooth Wireless Earbuds, $14.99, available at Amazon



See the rest of the story at Business Insider

11 millionaire entrepreneurs share the best investment they ever made

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James SwanwickMoney, time, vision, sacrifice: Investment takes many forms for entrepreneurs. Here's how 11 millionaire (and billionaire) members of The Oracles did it right.

SEE ALSO: 10 things I learned about rich people while helping millionaires manage their money

Branding

If you can afford to, invest in branding. Think of branding as getting married and selling as hooking up. It's why I’m winning; I’m branding while everyone is selling. Even the little things I sell — like shirts or a $13 book every three years — is branding. I don't care about the money; my economics just reinforce long-term branding and awareness. The quickest way I know somebody doesn't think they’re big time is by their short-term behavior.

— Gary Vaynerchuk, founder and CEO of VaynerMedia (700+ employees with more than $100 million in annual revenue) and the NYT-bestselling author of "#AskGaryVee"



Investing in tech

Hotmail was a turning point for me. I came up with the idea for viral marketing so that Hotmail could be spread from customer to customer like a virus. All of a sudden, one of the companies I'd seeded was a household name. It made fundraising easier, and more entrepreneurs wanted my backing and advice. Hotmail affected an extraordinary number of people: Approximately 3 billion people communicate through the internet for free, largely due to Hotmail.

— Tim Draper, founding partner of VC firm DFJ



Seeding passionate entrepreneurs

The fastest money I ever made was investing in a young technology startup before I sold my brokerage business. I didn't even understand what the guy actually did, but he was hard up for money, and I believed he would find a way to succeed. I bought 10 percent of his business for $100,000 and forgot about it until he bought it back from me for $1 million five years later. I used that million dollars to invest in my first 15 businesses on "Shark Tank."

— Barbara Corcoran, founder of The Corcoran Group and Shark on "Shark Tank"



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The 25 most expensive ZIP codes in America

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Tribeca apartment

The 25 most expensive ZIP codes in the US are unsurprisingly concentrated on the coasts.

Real estate listings site Property Shark recently used data from all residential transactions closed in 2016 to determine which ZIP codes across the US were most expensive for buyers.

California dominated the list with 17 cities represented, including well-known places like Beverly Hills and its famous 90210 ZIP code.

New York also claimed six spots, with pricey Hamptons favorite Sagaponack coming in at No. 1.

Only ZIP codes containing more than five sold properties were considered for the list. Property Shark helped us find listings that were close to each of the ZIP codes' median sales price. Check out the full list below:

SEE ALSO: Here's how much you need to earn to be in the top 1% for the 15 largest cities in the US

DON'T MISS: 9 hidden costs that come with buying a home

25. 95030: Los Gatos, California

Median sale price: $2,180,000

This two-bedroom, two-bathroom Los Gatos home will run you around $2.3 million, but it comes complete with hardwood floors, a detached guest house, and four private acres of wooded land. 



24. 94123: San Francisco

Median sale price: $2,210,000

In San Francisco, $2.27 million will get you a home like this one, which packs three bedrooms, two and a half bathrooms, a wood burning fireplace, stainless steel appliances, and a formal dining room into 1,900 square feet. 



23. 94306: Palo Alto, California

Median sale price: $2,227,500

This three-level home in Palo Alto, on the market for $2.25 million, features quartz countertops, abundant natural light, and a fenced-in patio. 



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If you want to retire early, follow these 6 savings life hacks from people who actually did

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Jason and Julie Buckley

Saving your money is key to retiring early, but it's not the only thing that will get you there.

In fact, for many people seeking financial independence — and those who have achieved it — it's often a mindset shift that does the trick.

Below, we highlight some of the best advice early retirees have shared with us, beyond the most fundamental tip, which is to save early and save often. 

SEE ALSO: The 8 best pieces of saving advice from real people who banked a fortune

DON'T MISS: 10 signs you'll never be rich

Resist the herd mentality

Kristy Shen and her husband, Bryce, were able to bank $1 million by age 31 and quit their jobs as computer engineers in Canada to travel the world.

To achieve the milestone, the couple made a habit of tracking their money and resisting the herd mentality— otherwise known as FOMO, or fear of missing out — particularly when it came to buying a house, something many of their fellow 30-something friends felt seemingly obligated to do.

"People are just making decisions, not because it's a good investment, but because they're getting emotionally pulled into saying, 'Oh no! I'm going to miss out! What if other people are in the market and I'm not in the housing market?'" Shen told Farnoosh Torabi on an episode of her "So Money" podcast.

Shen said that working in engineering taught her to focus on math rather than emotion when it came to her money.

"It's separation from the FOMO, which is based on feelings rather than fact, and then stepping up and doing the math and realizing, 'Wait, I don't want to do what everyone else is doing. Maybe they're not right. Just because everyone is doing it, it doesn't mean it's correct.'"

 

 



Be content with less

Each in their early 30s, Joe and Ali Olsen quit their jobs as public school teachers with $1 million in the bank in August 2015, retiring after just eight years in the workforce to travel with their young daughter.

The couple said they did it by living frugally and investing in real estate, which they started around the time of the 2007 financial crisis when properties were being sold for cheap.

But even as their net worth rose, they didn't succumb to lifestyle inflation. The pair continued to save 75% of their income and resided in their 400-square-foot home, keeping their annual expenses to about $20,000. Their secret? Shift your mindset and learn to be happy with what you have, they told the Mad Fientist.

Joe shared a quote from philosopher John Stuart Mill that stated: "I have learned to seek my happiness by limiting my desires, rather than in attempting to satisfy them."

"For me, financial independence was really easy to get because we were happy just living in our fairly small place, and eating at home, and just being efficient with how we spent money," Joe said. "And so our high savings rate was just because we enjoyed simplicity. And we didn't have to cut our budget. We didn't have to deprive ourselves."

 



Stay the course

Shepherded by meticulous spreadsheet estimates and years of tracking their pennies, Jason and Julie Buckley retired in 2015 at age 43.

The British couple retired with about £30,000 (~ $36,800) in cash savings and set a modest retirement budget of £15,000 (~ $18,400) a year, Jason told Business Insider.

Since retiring, they've been touring Europe and North Africa in their motor home, which enables them to visit expensive countries "for a fraction of the cost." Currently, the couple lives off of cash flow from investments — rental income, dividends, and interest — as well as advertising and book sales on their travel blog, which they spend just two hours a day maintaining.

If you're aiming to achieve early retirement yourself, Jason says, "You’re most likely going to be swimming against a very strong tide of opinion! If you're infected with an insatiable desire to do it, then be confident you can do it."

They suggest starting with educating yourself financially and putting your plan on paper, tracking spending and cutting all unnecessary costs, and investing.

"As your costs come down, and income from your investments gets re-invested in more investments, at some point you will experience the bewildering and joyful moment when your wealth starts to spiral upwards," Jason said. "At that point your freedom is all but inevitable."



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