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MORGAN STANLEY: 8 stocks that could pop 10% while helping solve global issues

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rooftop solar

From electric vehicles to residential solar panels, sustainable trends are sweeping markets across the world.

Morgan Stanley has taken note, and picked 8 US stocks that are best prepared to solve global problems—and deliver a punchy return to shareholders while doing so.

"There are multiple sustainability mega trends that pose environmental and social challenges," the bank said in a note. "But the solutions can present financial opportunities for corporates and investors alike."

For its report, the bank focused on seven key areas: climate change, water scarcity, waste management, food availability, health & wellness, improving lives and demographics.

Here are the 8 US companies that Morgan Stanley says are best positioned to take advantage of these opportunities and have a price target more than 10% above the current share price. 

Sunrun Inc

Sunrun is the largest maker of solar panels in the United States and is involved with every aspect of residential installation, from design and installation to financing, insurance and maintenance.

Morgan Stanley says the company is better prepared to face the challenges in the tricky sector because of its purely residential focus.

Morgan Stanley price target: $8

Get the latest stock price here



Daqo New Energy

Daqo is one of the largest producers of polysilicon “wafers” for semiconductors, but is now transitioning into photovoltaic manufacturing for solar panels—a solid bet, considering China’s new focus on renewable energy. 

Morgan Stanley price target: $28.30

Get the latest stock price here

 



Symantec

Symantec is one of the most well-known cybersecurity companies, offering  products for both businesses and consumers. Recent partnerships with LifeLock and the acquisition of Blue Coat gives Morgan Stanley to believe the stock will continue to grow, with a revised price target of $37 (almost $10 above its price on July 5, 2017).

Morgan Stanley price target: $37

Get the latest stock price here 



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20 children’s books that stand the test of time

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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.

6475701897_5eb7fdaec9_b

For many, our earliest or perhaps most stubbornly lodged memories are those in which we are reading books with our parents.

Before bedtime, after bath time… whenever it took place, the act itself was a calming exercise that both caretaker and child could enjoy properly, together, on somewhat the same wavelength — a rare and happy sweet spot in the early years.

Parents get to slow their kids down to a manageable pace, and they get to impart — in small, bite sizes — the values that they one day hope to see in their grown children. Kids get to sit in the comfort of their caretakers and listen to their voice telling them a magical story spun out of foreign creation and imagination.

Reading aloud to children stimulates their own imagination, expands their vocabulary, helps them develop language and listening skills, and also strengthens valuable character traits like empathy by hearing and caring about the struggles and lives of other beings. It’s one of the best ways for children to learn to understand other emotions — a necessary building block of EQ. Stories play a vital role in the growth and development of children — characters and storylines begin to feel like personal friends. As they get older, these books become not only an important and positive bonding tool, but also pave the way for them to expand their vocabulary, build up confidence, and excel in school for the rest of their lives.

There are a lot of books out there, and not every kid is going to love the same ones — except, perhaps, for those die-hard classics that time and time again remain atop the best-sellers lists. Though you might not be able to pick the winning horse out of the vast selection of new children’s books out there, you really can’t go wrong with the best-loved, time-worn classics that form not only our cultural reference points, but also inform new and old members of society what it is that we value — sharing, selflessness, love, and kindness.

If you’re looking to grab a great kid’s book for a gift or for your own home, below are the 20 most popular children's classics on Amazon to remind you that square one isn’t really a bad place to start at all.

SEE ALSO: 23 children's books that can change your life forever, according to my coworkers

1. "Oh, the Places You'll Go!" by Dr. Seuss

BUY IT ON AMAZON >>



2. "Goodnight Moon" by Margaret Wise Brown

BUY IT ON AMAZON >>



3. "Brown Bear, Brown Bear, What Do You See?" by Bill Martin Jr.

BUY IT ON AMAZON >>



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We tried grilled-chicken sandwiches from several major fast-food chains — and the winner is obvious

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Grilled Chicken Sandwiches 19

Grilled chicken: the timid, humdrum sibling of fried chicken.

While nowhere near as glamorous or greasy as its crispy companion, grilled chicken is starting to increase in popularity as it rides the wave of health-conscious dining.

Most major fast-food chains now offer grilled-chicken options, from sandwiches to nuggets.

But seared chicken isn't masked by a delicious fried coating, so it has to be good to pass muster.

We tried grilled-chicken sandwiches from four major fast-food chains — Burger King, McDonald's, Wendy's, and Chick-fil-A — to find out which is best.

SEE ALSO: We visited the fastest-growing restaurant chain in America — and what we discovered should terrify KFC and Chick-fil-A

ALSO READ: We visited the regional chain that beat Trader Joe's for the title of best grocery store in America — here's what it's like

5. Burger King Tendergrill

According to Burger King's menu, this chicken is marinated and seasoned with "pepper and herbs"— yet in reality, it tastes of utter nothing. The bun is weak and underwhelming and prone to flattening. And with the sandwich coming in at 470 calories — the highest of any on this list by a long shot — its healthiness is dubious at best. 



This is a chicken sandwich in the midst of an existential crisis. Is it meant to be an enjoyable, flavorful item or merely a bland vehicle for protein delivery? The chicken itself is dry, stringy, and tough. The lettuce and tomato are pallid, and the mayonnaise oversteps its boundaries in every bite. This sandwich leaves one in tangy despair.



4. McDonald's Artisan Grilled Chicken

This sandwich is part of the "Artisan" chicken revamp McDonald's released in 2015 along with the crispy fried version. The grilled white-meat breast fillet is topped with lettuce, tomato, and a vinaigrette dressing, all within McDonald's "artisan" bun. 



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A look inside the daily life of German Chancellor Angela Merkel, a former chemist who hosts international diplomats and can get by on only 4 hours of sleep

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German Chancellor Angela Merkel

All eyes are on Germany this weekend, as the G20 summit plays out in Hamburg.

That means that, thanks in part to yet an awkward encounter with US President Donald, German Chancellor Angela Merkel is back in the spotlight in the US.

Since becoming chancellor in 2005, the former chemist has managed to cultivate an "image of deep personal integrity and a tightly guarded private life,"writes Melissa Eddy in the New York Times.

As a result, information about her personal life is somewhat thin, compared with what we know about other world leaders.

However, by piecing together various details, one can come away with a view of the chancellor's daily routine:

SEE ALSO: Vladimir Putin's hard-core daily routine includes hours of swimming, late nights, and no alcohol

DON'T MISS: A typical day in the life of Mark Zuckerberg, who wears the same thing every day and tucks his daughter in every night

Merkel starts the day with breakfast. According to TIME and Der Spiegel, she once told ex-Nigerian president Goodluck Jonathan that she eats breakfast with her husband Joachim Sauer every morning.

Sources: TIME, Der Spiegel



Over breakfast, Sauer, a professor of chemistry "presses [Merkel] on political issues like any ordinary citizen would," according to Reuters.

Source: Reuters



Sauer and Merkel are said to enjoy hiking and attending the opera together. Reuters reported that the chemist is also extremely frugal, often flying on budget airlines instead of accompanying Merkel in a government jet.

Sources: TIME, Der SpiegelReuters



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19 vintage photos that show what New York City looked like in the 1980s

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NYC in the 1980's

The New York City of the 1980s is quite different from the city we know today. Homicides were at near-record highs, the crack epidemic was raging, and NYC had not yet experienced the wave of gentrification that has marked it in modern times.

Janet Delaney grew up in the suburbs of Los Angeles, but she always wanted to experience the city life. Though she never officially moved to the Big Apple, she took several trips and ended up taking some beautiful photos there.

Below are some of her photos that depict what New York City was like decades ago.

Jack Sommer contributed reporting to an earlier version of this article.

SEE ALSO: Stunning vintage photos show how Americans in every state spend their downtime

Delaney started taking one-week trips to New York in the mid-1980s.



"When I visited New York during these years, 1984 to 1987, I was happily taking photographs because I was in love with the place," she told Business Insider.



During one trip, while she was staying at a friend's loft, she came back at 3 a.m. and realized she had forgotten her key.



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BANK OF AMERICA: Money managers love these 9 stocks

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google

Bank of America Merril Lynch released its equity and quant strategy analysts' list of the most overowned stocks held by active managers.

The list is a part of a new report on active manager holdings.

According to BAML, the "overowned" list includes companies that meet the following criteria:

"Stock is 1.5x or more than its weight in the S&P 500 in the fund manager composite, and more than 35% of funds in the sample hold the stock."

The list ranges from tech giants like Alphabet and Amazon to healthcare companies like Biogen and UnitedHealth.

Check out the list of nine stocks below:

Comcast

Ticker:CMCSA

Sector: Discretionary

Relative Weight: 1.53

% of Funds Holding Stock: 51.7%

Source: BofA Merrill Lynch US Equity and US Quant Strategy, FactSet Ownership

 



Alphabet Class A

Ticker:GOOGL

Sector: Info Tech

Relative Weight: 1.59

% of Funds Holding Stock: 56.9%

Source: BofA Merrill Lynch US Equity and US Quant Strategy, FactSet Ownership



MasterCard

Ticker:MA

Sector: Information Technology

Relative Weight: 1.68

% of Funds Holding Stock: 37.0%

Source: BofA Merrill Lynch US Equity and US Quant Strategy, FactSet Ownership



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9 must-have gadgets for first-time parents

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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.

parents baby familyWhen you and your significant other walk through the threshold of your place with a brand new bundle of joy, any prep work you've done beforehand is going to help a lot. Painting the room, building the crib, and picking up a stroller are all easier to do in advance. 

There are many tech products for new parents, and we've rounded up a few that we think will help smooth out some of the first bumps in the road.

SEE ALSO: The 5 best humidifiers on the market

A white noise machine

Low, ambient noise can help soothe your child before he or she goes to sleep. There are a lot of white noise machines specifically aimed at children, but we're going to recommend this one from Marpac instead. It may be as cute looking as your air conditioner, but what it lacks in looks it makes up for in functionality.

Two motors and a fan sit inside the case and can be adjusted to change the sound of the white noise it creates. Parents who've used this machine have raved about it on Amazon, claiming it really does help their baby sleep through the night.

Marpac DOHM-DS, Natural White Noise Sound Machine, $44.99, available at Amazon



A humidifier

Keeping a humidifier in your baby's room helps to keep dry air from irritating their nose and throat, leaving them more susceptible to sickness. This humidifier from Pure Enrichment will dispense water vapor into the air for 16 hours once its tank is full and automatically turn off when the water level gets too low.

The humidifier is quiet, so much so that some Amazon reviewers were disappointed because they couldn't also use it as a white noise machine. Its most baby-friendly feature is the fact that it comes with a built-in night light.

Ultrasonic Cool Mist Humidifier by Pure Enrichment, $39.99, available at Amazon



A bottle sterilizer

Instead of washing your baby's bottles in a sink or dishwasher, Phillip's bottle sterilizer lets you clean them in a microwave using steam. The main benefits of cleaning bottles this way are that the microwave gets hotter than those other methods, which helps kill germs, and it takes less time. Plus, if you keep the container sealed, all the bottles inside will stay sterilized for an entire day.

The bottle sterilizer holds six bottles, but the catch is that it's made to fit with Phillip's Avent bottles. If you don't own any baby bottles yet that shouldn't be a problem, but it is something to keep in mind if you own bottles from other brands. Amazon reviewers had mixed results when trying to use different bottles with this device. 

Philips AVENT Microwave Steam Sterilizer, $16.99, available at Amazon



See the rest of the story at Business Insider

An intimate conversation with America's favorite cyclist in his first Tour de France

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Taylor Phinney intimate interview first Tour de France massage.JPG

GENEVA, Switzerland —Taylor Phinney and Paul Navin walk into the hotel room where Phinney has reported for his daily postrace massage. As the two come in from the hallway they're sharing an easy laugh.

Phinney is one of the US's top cyclists, and among its most popular, and he's here riding in his first Tour de France. Stage eight has finished, and within a short time he's up on the massage table, ready for Paul to work his muscles and push out the lactic acid that's built up over the past five hours competing in the world's biggest bike race.

"How was it today — gruppetto stressed?" asks Paul, an Irish soigneur, or carer, with the Cannondale-Drapac Pro Cycling Team, after the first major mountain test of the Tour. "Gruppetto" refers to the riders in the race who are not climbers and on a mountain stage form a group that tries to work together to make it to the finish before the time cut.

"No, actually," Phinney says. "Come to the big show and it's like ... relaxed. I like it. I'm also generally a little stronger than I normally am." He's referring to his left leg, which he has sometimes referred to jokingly as his "Frankenleg."

That goes back to the 2014 US championship road race, where Phinney crashed into a guardrail while trying to avoid hitting a race motorcycle. He suffered a compound fracture in his left tibia and a severed patellar tendon. He'd spend the next year out of action and then two more years trying to overcome his injuries and strengthen a weaker left leg.

Thirty-eight months — and multiple operations and physical-therapy sessions later — Phinney is now riding in his first Tour, on pro cycling's biggest stage. He found immediate success placing 12th out of 198 starters in the opening-stage time trial and leading the daylong breakaway on stage two and ending up winning the "king of the mountains" jersey for a day.

Phinney spoke with Business Insider after stage eight on Saturday, during his daily postrace massage. Here's what he had to say.

DON'T MISS: A sub-4-minute miler at age 18, Rusty Woods is now lighting up pro cycling at age 30

SEE ALSO: After Chris Froome cut back on carbs, he lost 20 pounds, started winning the Tour de France, and became a millionaire

Daniel McMahon: How are you doing today?

Taylor Phinney: Honestly, this is one of the races where I've started to feel really even. Over the past two years of racing, every day at the end of the stage it's, like, I have difficulty walking. Less so the last couple months. But I always feel like my left knee, which I crashed on, is kind of clunky. So far at this Tour de France it hasn't really felt that way, which has been pretty relieving, and cool timing.

McMahon: So were you kind of surprised by that.

Phinney: Yeah, a bit. I mean, I always felt like last summer and this summer — my leg feels generally better than in the winter. I'm a little bit lighter always in the summer. There's no science behind cold weather having an impact on joint function or health that I know of, but I could personally attest to experiencing less pain when it is warm, in my joints.

McMahon: How did you feel out there today? It was scorching.

Phinney: At the start it was really hot, but once we climbed up a little bit, it got a lot better, which was very welcomed by me. I don't dread heat, but I don't love it when it's super hot. And yeah, it was a hard stage. I think the group as a whole has been kind of holding back, at least at the beginning of the long, flat stages, in regard to the breakaway formation. Today, obviously, it was popcorn racing, a bunch of little kernels exploding, for a solid two hours. And there was some intense pain involved, but I was able to stick with the guys and even get some bottles for them, while the attacks were still going.

And once Kittel and his Quick-Step boys were starting to get dropped, I let myself get dropped at that point, because these kinds of races, for me, for my size — and then with a little bit of unknown, not having done a grand tour in five years — I've had to err on the side of expending as little energy as possible while also still being in the race.



McMahon: It sounds as if things are going well then, especially considering the start you had.

Phinney: Yeah, it hasn't been relaxed per se, but it's been more organized, in the sense I expended a lot of energy on the first day but the following stages were pretty straightforward, where there weren't any days like today, where I would risk getting dropped as we go uphill. So yeah, my legs have been starting to come around and they're starting to feel pretty good.

McMahon: So besides being better organized, what are your impressions so far?

Phinney: Honestly, organized in the way that the racing plays out. All the teams that come here have pretty set, straightforward goals, at least the bigger [general-classification] teams that really control the race, which makes it maybe less aggressive — which is helpful if you're trying to come into form or ride out of a whole when you go deep one day, as we did on the first stage.

But the Tour in general has been by far the coolest bicycle race that I've done, just in terms of the energy you can feel around the race. It's clearly our most important event on the calendar, and I kind of thought of not coming here, that it would be just another race, but I didn't really know, I didn't really have too many expectations. But it's been a lot more fun than the other races that we do, whether that is because of the size of the crowds, the number of people who come to support us, whether it's just such a high-profile event. I've always loved the high-profile, high-pressure races. You know, the races can change your career, can change your life, in the course of a day or a couple weeks.



McMahon: How much harder is the Tour compared to other races?

Phinney: The speed of the Tour de France — when the speed is high — is higher and faster than any race that I've been a part of. But with that said, it's more controlled and a little bit more predictable at times, whereas the Giro or Vuelta are less predictable and therefore more aggressive. And while the speeds may be similarly as high, they may be higher over a period of time, whereas at the Tour, on the week that we've done, we've sort of spent a lot of time each day, sort of building up to the finale, and once the finale hits it's, like, full on.

I love grand tours because people race differently. They're a little bit more aware of their energy expenditure. So oftentimes you'll have, towards the tail end of the race, people each day who feel that they want to conserve some energy, and some who feel they're going to bunch together and preserve some energy. I honestly cannot imagine what it would be like to be Chris Froome, or even Rigoberto Uran on our team, or those guys who have to be in front every single day. It's like a completely different bike race that I'm apparently doing. But that's the beauty of cycling, is you have such varied physical capability levels, all in one giant group, one moving amoeba.

McMahon: What's the vibe of the Tour like, in the peloton?

Phinney: Each race definitely has its own vibe. This own, I mean, when it's nervous, when it's stressful, it's definitely the maximum amount of stressful and nervous, because everyone in this race recognizes that if they perform well here, they completely change the way they're perceived in the professional peloton, not only by the other riders but in a business sense as well.

No one is here to prepare for anything else. We have so many races on the calendar that some people might be trying to win and some people might be using it as preparation for something else, because through bike racing you can get some percentage more out of your body that you wouldn't be able to get out in training. But I believe this is the one race out of the whole year where everyone shows up and all they've been thinking about is the Tour de France. They're not using the Tour de France to prepare for some race that's down the road.

McMahon: What's been most surprising to you so far in this Tour?

Phinney: I came into it with pretty open expectations. I didn't want to cloud it too much with what I thought I was diving into. So the whole thing has been bracing that unknown. But the most positive unknown that I had not imagined or experienced or envisioned was the number of people on the side of the road. I think everyone really feeds off of that. So many of the races we do — in Qatar, in Oman — you see, like, two people on the side of the road and you sort of wonder who you're performing for. And that's not really how the world works anymore these days. People watch on TV, people watch on the internet, they follow via Twitter, and that has become more of who we quote, unquote perform for. But cycling inherently as a sport is open to the public and has always fed off the energy that the public is able to provide. Whether it's on a climb, at the start, or at the finish. It feels like this race really has kept a lot of the heart of the cycling of the past. On top of that there's always way more interest on TV and the internet.



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6 life lessons from Warren Buffett

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warren buffettWarren Buffett is perhaps one of the most successful investors in the world. He is also one of the richest people in the world. Here are some lessons you can learn from the "Oracle of Omaha":

1. Live below your means

Warren Buffett has a net worth of 77 billion. But he still lives in the same house he bought in 1958 for only $31,500. Compared to his income and net worth, Warren Buffett lives frugally. The rest of his money is protection in case of emergencies. Because he lives frugally, he can also invest more money, which will reap more rewards. Not only will his wealth grow faster, but it is unlikely he will declare bankruptcy.

Consider this quote by him: "I’m not interested in cars and my goal is not to make people envious. Don’t confuse the cost of living with the standard of living."



2. Skip meetings and other unnecessary time wasters

Instead of having long, unnecessary meetings every year, Buffett sends a letter to each of his companies, praising victories from the past year, and stating his goal for the current year (see also: Warren Buffett’s “Not To Do” List). The result is he has more time to work on more productive projects and his employees have more time to work and accomplish goals.

Warren Buffett’s business partner Charlie Munger jokes about Buffett:

 "You look at his schedule sometime and there’s a haircut. Tuesday, haircut day. That’s what created one of the world’s most successful business records in history. He has a lot of time to think."



3. Practice your communication skills

Buffett hated public speaking when he was younger, but he knew it was necessary for him to be successful. So he enrolled in a public speaking course that eventually broke down his fear of public speaking and helped him become a successful public speaker. He now tells young entrepreneurs that the key to success is good communication skills.



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The 18 most profitable banks in the UK

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A man uses an ATM outside a branch of Lloyds Bank in London, Britain in this October 28, 2014 file photo.

In the years since the financial crisis, Britain's banks have slimmed down massively, shedding staff and spending much less money as greater scrutiny from both the public and regulators puts their actions firmly in the spotlight.

After years of struggles, the country's banks are now largely profitable once again, with new challengers, traditional major players and building societies all delivering strong profits last year.

Using data provided by The Banker, a magazine covering the financial sector, Business Insider has compiled a list of the lenders in the UK which made the most money last year.

Understandably, the UK's biggest banks like Barclays, HSBC and Lloyds top the ranking, simply by virtue of having far, far greater assets than the majority of lenders. One of Britain's best-known lenders, RBS, misses out having made a loss of close to £7 billion last year as it continues to recover from the crisis.

Business Insider has included those banks that are either headquartered in the UK, or do the majority of their business in the UK, and which made a pre-tax profit of more than £100 million ($129.5 million).

Check them out below.

18. Tesco Bank — £105 million: The banking arm of supermarket giant Tesco, Tesco Bank celebrated its 20th anniversary this week. It was initially launched as a joint venture with RBS in the 1990s, but became 100% owned by Tesco in 2008.



17. Leeds Building Society — £111 million: Serving close to 720,000 customers across the UK, Leeds Building Society is the fifth largest building society in the country.



16. Aldermore Bank — £122 million: A so-called challenger bank, Aldermore was founded by CEO Phillip Monks in 2009, and listed on the London Stock Exchange in 2015. It specialises in lending for buy-to-let mortgages.



See the rest of the story at Business Insider

Mark Zuckerberg has been touring the US all year — here's where he's been so far (FB)

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Mark Zuckerberg US tour chart

Mark Zuckerberg is on a whirlwind tour of the US.

In recent months, Facebook's CEO has dined with a family at their home in Ohio and met with former opioid addicts. He's been photographed working on an assembly line at a Ford factory, meeting with members of the military, and even feeding a calf.

Zuckerberg's stops are part of his personal goal to visit every US state in 2017.

And even though many of his outings may look like someone raising their profile for a political run, Zuckerberg insists that's not the case. 

"Some of you have asked if this challenge means I'm running for public office," Zuckerberg recently wrote in a Facebook post. "I'm not."

We've collected the highlights from Zuckerberg's whirlwind US tour so far:

SEE ALSO: Secrecy, bodyguards, and Trump: What it's like to have a surprise dinner with Mark Zuckerberg

Zuckerberg kicked off his US tour in January in Dallas, Texas. He was there to testify in a lawsuit against his VR company Oculus, but he found time to help plant a garden with high schoolers downtown.



While in Dallas, he also met local police officers. "These officers do such important work, and it meant a lot to me to be able to thank them in person," he wrote on his Facebook page.



While in the area, he made time to go to his first rodeo in Fort Worth, Texas, with the city's mayor.



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These 26 photos prove Google has the coolest offices around the world (GOOG, GOOGL)

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Google

Google's Mountain View headquarters — known as the Googleplex — has long been lauded as the cream of the crop when it comes to tech campuses.

But Google's offices in other cities aren't too shabby, either. 

Google employees worldwide have many well-publicized and fantastic benefits like in-house massage rooms, free gourmet food, and fabulous parties and retreats. The physical space employees work in is definitely a perk of the job, too. 

Whether it's a secret room in the company's Ontario offices or an indoor basketball court in Zurich, Google has created some of the most creative, beautifully designed, and quirky offices in all of tech. 

Check out some of the coolest features in Google offices around the world.

SEE ALSO: The fascinating life of Google founder and Alphabet CEO Larry Page

Google's Zurich, Switzerland, office — which was designed by architecture firm Camenzind Evolution — has egg-shaped pods that serve as meeting rooms.



This tunnel-like meeting room in Zurich looks like a cool and mysterious cavern — although it's clearly not meant for the claustrophobic.



Employees in Zurich can play soccer and basketball right inside the office.



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How to use YouTube like a pro

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FILE PHOTO: YouTube unveils their new paid subscription service at the YouTube Space LA in Playa Del Rey, Los Angeles, California, United States October 21, 2015.  REUTERS/Lucy Nicholson

I'm using YouTube more and more these days instead of using a regular Google search to find the answers I'm looking for.

From useful keyboard shortcuts to adding captions so I can watch a video without disturbing people around me, there are a bunch of good ways to make YouTube easier and better to use.

Check out the 16 best YouTube tips I've discovered that I'll be using on a regular basis:

SEE ALSO: There's a setting in Spotify that makes your music sound better — here's how to turn it on

Use the new redesigned YouTube before Google rolls it out.

You can check out YouTube's design refresh before Google officially rolls it out by typing youtube.com/new into your browser's search bar



In the new version of YouTube, you can turn on Dark Mode. It's easier on the eyes if you're watching YouTube in a dark room, and it looks sleek, too.

After you've selected the new version of YouTube, click on your profile on the top right > click on Dark Theme > enable Dark Theme.



When you're watching YouTube videos from a computer, press "J" to rewind 10 seconds



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The most important charts in the world from the brightest minds on Wall Street

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markets 4x3

Here they are: the most important charts in the world. 

Once again, we asked dozens of top strategists, economists, and writers for one chart that is top of mind right now. The slideshow includes their verbatim analysis of the trend they picked. 

All of these charts were submitted by June 16, so some of the data may have evolved since then.

With assistance from Rachael Levy, Elena Holodny, and Jonathan Garber.

 

David Rosenberg

"This is where the power and influence still reside, and nothing is going to stop the inevitability that nearly two million of this critical demographic group will be turning 70 annually for the next 15 years. And they are very likely to make it to 85 or even older with medical advancement.

This has crucial implications for the financial markets because it is when you turn 70 that you undertake the most profound asset mix shift since you were in your 30s and loaded up on equities — when you turn 70, preservation of capital and cash flows becomes much moreimportant, and yet in a world where 'safe yield' has become extremely scarce, the investment challenges for the aging but not yet aged boomers are going to be daunting, to say the least." 



Rick Rieder

"This crisis has under-appreciated negative side effects for the US economy as a whole. Most significantly, student loans are making it harder for first-time home buyers to afford their own home, with more than 70% of would-be first-time buyers saying student loan debt is delaying their home purchase, according to the National Association of Realtors. As a result, the homeownership rate in the US has fallen each of the last six years despite a solid economic recovery, according to the US Census Bureau, with the biggest impact coming from the 25-34 year old cohort as seen in the chart above. 

The student loan burden is not just curtailing young adults’ home buying; it is weakening their consumption in general, posing a major headwind to US economic growth. In addition to the direct economic impact, the student loan crisis could also worsen the class divide. Home ownership levels at age 30 are much lower among those with college debt than those without, and when faced with today’s high college costs coupled with the prospect of taking on significant debt, more students from lower-income households may choose not to attend college, worsening their outlook for employment and wage income over the course of their career. The bottomline: This crisis is likely to be a major drag on the US economy for years to come if it remains unaddressed, and an elegant fiscal-policy solution is needed, the sooner the better."



Torsten Slok



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The best free thing to do in every US state

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people jumping into water summer diving dive vacation ocean sea

Summer means vacation season for a majority of Americans. And while some travelers are setting out for exotic locales across the globe, there's plenty of excitement to be had here at home, too.

From sampling brewery beer in Delaware to testing your hula skills in Hawaii, you don't have to leave the U.S. — or break your budget — to have an amazing vacation adventure.

If your plans for the year involve seeing more of this beautiful country, check out these fun activities you can enjoy in every state for free.

SEE ALSO: The 17 best places to go this summer that don't cost a fortune

ALABAMA: Unpack forgotten treasures

If you're looking to hit a fun, bucket-list worthy site, visit the Unclaimed Baggage Center in Scottsboro to browse the 40,000-square-foot store for free. If you do want to spend a few bucks on souvenirs, you can often pick up lost treasures here for a fraction of their value.

When you're done, head over to the Museum of Alabama in Montgomery to take a journey through pre-history, the Civil War and more as you examine hundreds of artifacts. Admission to the museum is free.



ALASKA: Visit a gold rush boom town

Visiting a national park is one of the coolest and cheapest activities for the family. So relive Alaska's gold mining days at Klondike Gold Rush National Historical Park in Skagway. Not only is admission free, but you can also take a complimentary ranger-led tour to visit the historic district that houses more than 20 boom town buildings.

Feel like you're away from it all without ever leaving Anchorage at Kincaid Park, featuring more than 37 miles of trails, a sandy beach and critters ranging from moose to porcupines.



ARIZONA: Marvel at monuments and monoliths

The Arizona State Capitol Museum in Phoenix is an ideal spot to learn about the state's history. When you're done, head over to the Wesley Bolin Memorial Plaza. You can take a photo beneath the gun from the USS Arizona and browse other memorials tucked into the lush lawns.



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These 13 words and 10 tips will help salespeople close more deals faster

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the wolf of wall street

They say selling is more art than science, but there's definitely some skill involved.

And according to marketing-software maker HubSpot, there are certain words salespeople should use to boost their chances of closing more deals, and, beyond that, there are certain characteristics common to top salespeople.

According to Hubspot there are 13 words that great salespeople use to close more deals. They are ...



1) "You"



It makes prospects feel more "special."



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12 science-backed reasons you should spend more time outside

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Hiking Switzerland

Many people spend their workdays indoors under fluorescent lights and in front of computers, then return home to bask in the glow of television screens.

But spending too much time inside isn't good for us. And nature is beneficial — maybe essential — for human health. Psychologists and health researchers are finding more and more science-backed reasons we should spend time outside.

In her recent book, "The Nature Fix: Why Nature Makes Us Happier, Healthier, and More Creative," journalist Florence Williams writes that she started investigating the health benefits of nature after moving from the mountainous terrain of Boulder, Colorado, to what she describes as "the anti-Arcadia that is the nation's capital"— Washington, DC.

"I felt disoriented, overwhelmed, depressed," she writes. "My mind had trouble focusing. I couldn't finish thoughts. I couldn't make decisions and I wasn't keen to get out of bed."

We don't all need to live in a place as stunning as Boulder — and most of us can't get live anywhere too remote for smartphones or internet access. 

But we do need to spend time in natural environments. That could be beautiful hiking trails or even just a nice park. Here's why it's so important to do so.

SEE ALSO: 7 things you never knew people could be allergic to — and the insane ways they cope

It could improve your short term memory.

Several studies show that nature walks have memory-promoting effects that other walks don't.

In one study, University of Michigan students were given a brief memory test, then divided into two groups. One group took a walk around an arboretum, and the other took a walk down a city street. When the participants returned and did the test again, those who had walked among trees did almost 20% percent better than the first time. The ones who had taken in city sights instead did not consistently improve.

similar study on depressed individuals found that walks in nature boosted working memory much more than walks in urban environments.



It has a de-stressing effect.

Something about being outdoors changes the physical expression of stress in the body.

One study found that students sent into the forest for two nights had lower levels of cortisol — a hormone often used as a marker for stress — than those who spent that time in the city.

In another study, researchers found a decrease in both heart rate and levels of cortisol in subjects in the forest when compared to those in the city. "Stressful states can be relieved by forest therapy," they concluded. 

Among office workers, even the view of nature out a window is associated with lower stress and higher job satisfaction.



Spending time outside reduces inflammation.

When inflammation goes into overdrive, it's associated in varying degrees with a wide range of ills including autoimmune disorders, inflammatory bowel disease, depression, and cancer. Spending time in nature may be one way to help keep it in check.

In one study, students who spent time in the forest had lower levels of inflammation than those who spent time in the city. In another, elderly patients who had been sent on a weeklong trip into the forest showed reduced signs of inflammation as well as some indications that the woodsy jaunt had a positive effect on their hypertension.



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18 maps that explain America

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US satellite map night

Happy Fourth of July!

As Americans celebrate Independence Day, here are 18 maps that illustrate various aspects of our country's demographics, economy, and culture.

Rob Wile contributed to an earlier version of this post.

SEE ALSO: 12 issues almost all Americans agree on — and one where they couldn't be further apart

Much of America's population lives in dense urban counties.



Here's how much each county grew or shrank between 2015 and 2016. The next three maps break down the components of those population changes.



America's population is growing. This map shows the difference between births and deaths in each county between 2015 and 2016.



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5 big companies that currently accept bitcoin

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FILE PHOTO - A Bitcoin sign is seen in a window in Toronto, May 8, 2014.   REUTERS/Mark Blinch/File Photo

Have you heard about the next big thing in investing? No, it's not legal marijuana, albeit pot stocks have been nothing short of unstoppable over the past year.

It's actually digital currency bitcoin, which has risen by nearly 900% over the trailing-two-year period. What once cost a consumer or investor around $255 per bitcoin will now set you back around $2,500.

Why have digital cryptocurrencies like bitcoin been such a hot commodity of late? It appears to be a confluence of catalysts that have accelerated momentum behind bitcoin, Ethereum, and other digital currencies.

Why bitcoin has risen nearly 900% in two years

Bitcoin and other cryptocurrencies are relishing in newfound media coverage. Between the sheer outperformance of these digital currencies compared to the broader stock market, to recent ransomware attacks (e.g., WannaCry) where the perpetrators demand payment in bitcoin in order to "unlock" a computer, bitcoin is in the spotlight.

The more media coverage it receives, the more interest there will likely be in this burgeoning payment and investment platform.

Weakness in the world's most prominent currency, the U.S. dollar, may be helping as well. President Trump has, on numerous occasions, proclaimed the U.S. dollar to be too strong. A weaker dollar can help promote the export of American goods, but U.S. consumers aren't typically huge fans of seeing their currency weakened.

Some investors have used the dollar's weakness as an opportunity to invest in bitcoin, which is a "finite" resource since the maximum number of bitcoin is limited to 21 million. The fact that the dollar's monetary base can be expanded infinitely and bitcoin is limited provides the belief to some investors that bitcoin could be a better means to preserve and grow wealth over time. 

Bitcoin has also benefited from a growing acceptance of the currency by countries, industries, and businesses. Japan declared the cryptocurrency legal tender earlier this year, while some retailers within the marijuana industry have been using bitcoin as a bridge currency between bank-issued debit and credit cards and marijuana product purchases.

Since marijuana is a federally illegal substance, most banks won't deal with pot-based businesses, so bitcoin services act as an intermediary by allowing consumers to buy bitcoin and pay for their pot products that way. Bitcoin services then transfer that bitcoin back to cash for the marijuana business in return for a nominal service charge. 

Brand-name businesses that surprisingly accept bitcoin

Yet what might be most surprising is just how many brand-name businesses are now accepting bitcoin as payment. Here are five businesses that have welcomed bitcoin with open arms.

SEE ALSO: Some marijuana retailers are using bitcoin — and that could be a problem for the cryptocurrency

Overstock.com

The very first large consumer-facing company to lead the charge for bitcoin was online e-tailer Overstock.com, which in January 2014 partnered with bitcoin exchange Coinbase to allow customers to pay for thousands of items with bitcoin. 

Shortly after its decision to carry bitcoin, CEO Patrick Byrne announced that his company would carry between 5% and 10% of its bitcoin paid as reserves. If this policy still holds true, Overstock would have seen a very handsome appreciation in those reserves by now, albeit bitcoin remains a nominally small component of its business.



DISH Network

In May 2014, satellite television operator DISH Network announced that it would begin accepting bitcoin as payment for its content services. As with Overstock, DISH partnered with Coinbase as the payment processor for its bitcoin transactions.

Bernie Han, who was at the COO of DISH at the time, said, "DISH is now accepting bitcoin because we are listening to customers and providing them with the choice and convenience they want." 



Microsoft

While governments have resisted referring to bitcoin as a "currency," tech giant Microsoft has embraced it. Since December 2014, Microsoft users have been able to use their bitcoin to purchase content in the Windows and Xbox stores. 

Microsoft was also behind the launch of Azure Blockchain as a service platform that allowed large-scale businesses to use blockchain to facilitate the settlement of financial data. More recently, Microsoft announced that it was adapting Excel 2017 so users can calculate, format, and analyze bitcoin on the platform.



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10 rookie mistakes too many first-time homebuyers make

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young homebuyer first homeWe've all bought things that we've later regretted: Be they those high-waisted jeans, pumpkin-spiced potato chips (they exist!), or the $189 electronic toothbrush your dentist said you had to have. At least the money wasted wasn't a life changer.

But what if you paid too much for a car and later realized you couldn't afford it? That can amount to a significant financial hit. Now just think about the home-buying process. It's more complicated than all those other purchases combined.

If you're a first-time homebuyer, buying a house can be positively overwhelming. With an agent by your side to guide you through the process, you'll make it through just fine — but you might want to be aware of these rookie mistakes. If you're searching for homes for sale in San Francisco, CA, where the market is ultracompetitive, making one of these mistakes could end up costing you big time.

Making one of these mistakes could cost you:

SEE ALSO: Everything you need to know about buying a home, in 7 steps

DON'T MISS: Here's how much you need to earn to comfortably afford a home in the 25 most expensive ZIP codes in America

1. Getting too emotionally attached

You're about to purchase what's probably the most expensive item you've ever bought. So this advice from Chris Leavitt, a real estate broker with Douglas Elliman and star of Million Dollar Listing Miami, may be easier said than done: "Relax and don't get too attached. There will always be another house if you lose one."

Try finding "several homes you love so that you're not too emotionally invested in one," suggests Tali Raphaely, president of Armour Title Co.



2. Finding the home yourself

We know you're going to browse Trulia to find homes for sale in your desired location. But don't rely on just your brilliant research skills. Finding your own home is like "diagnosing yourself of an illness," says Mirella Nazarian, partner associate of Omega Group Los Angeles.

"Let your agent vet the homes for you," she says. A good real estate agent might find you properties that aren't yet on the market. And of the homes that are on the market, your agent should be able to tell you "what the home looks like, where it's situated, the Walk Score, and the price per square foot in the neighborhood."



3. Going directly to the listing agent

If you've ever played Monopoly, there's a card you might pick (a bad one) that says, "Do not pass go. Do not collect $200." It means you did something wrong and now must pay the penalty.

The same applies if you go directly to a listing agent who is hired by and represents the seller, not you. "Unless [the listing agent] is someone you have worked with or know personally and know they are an amazing agent, this is a big no-no," says Nazarian.



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