What keeps you up at night?

It's a question you'd expect to draw a wide range of responses when posed to investors responsible for tens of billions of dollars. After all, it's not exactly as if there's a shortage of anxiety-inspiring headlines floating around each day.

But as Business Insider found out through a series of interviews, there's one worry to rule them all: the Federal Reserve's reversal of the unprecedented monetary stimulus that helped drag the US out of the latest financial crisis.

More colloquially described as the Fed "unwinding" its balance sheet, the mere prospect of it happening is apparently enough to strike fear in to even the most experienced money manager.

Don't believe us? See for yourself. Below is a collection of excerpts from seven interviews conducted by Business Insider, many of them by the deputy executive editor Matt Turner. Each arrives at the same potentially horrifying conclusion.

Watch all of Turner's interviews here.

Mike Ryan — Chief Investment Strategist for UBS Wealth Management Americas ($1.1 trillion AUM)

His biggest market worry: "One of the things that always keeps up at night is the risk of a policy mistake. I tell people, 'Look, every time I checked, every one of the central banks all around the world, the pencils come with erasers at the top.' There's no infallibility. Vatican City's the only place that claims infallibility. Central bankers do not have that, nor do they claim it. We have to also understand we're living through what has been the greatest monetary-policy experiment in history. We've never seen this before.

"Think about the Federal Reserve, the Bank of England, the European Central Bank, Bank of Japan, what they've all engaged in is this extraordinary balance-sheet expansion that commonly has been known as quantitative easing. That's been extraordinary in terms of helping stabilize markets and allowing the economy to recover. Now we're in the process, the very early, beginning stages of policy normalization. That's going to be a bit of a challenge, so there is no rulebook, there's no guidepost to how we do this.

"I think what it's going to require is very prudent actions by central bankers; they're going to have to be cautious in terms of how they apply policy changes. They're going to have to be very open and transparent with markets about what they intend to do and what they are doing. I'd say, if you ask me what the biggest concern I have, is for a policy misstep. It's that somewhere along the line, central bankers get it wrong, either they move too quickly or they move too slowly."

Watch the full interview here.

Dennis Ruhl — Chief Investment Officer of JPMorgan's US Behavioral Finance Equity Group

His biggest market worry: "A few a different things. One, of course, there's the possibility that in the unwind of QE, something huge happens. I think that that's more likely to stem from another region of the world outside the US — not a huge likelihood, but it worries me."

Watch the full interview here.

Mark Haefele — Global Chief Investment Officer at UBS Wealth Management ($2 trillion AUM)

His biggest market worry: "For us, the No. 1 concern is Federal Reserve policy. If they remove too much stimulus too quickly, if they raise rates too fast, that would be a likely cause for the economy to turn down. Basically, it's this idea that they start to take away the punch bowl."

Watch the full interview here.

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. 

As much of a fashion statement watches can be, a dead watch is no good.

Rather than having to continuously replace the battery in your timepiece, choosing an option with automatic movement can save you the hassle of dealing with a watch that doesn't work.

Automatic watches are powered by the movement of your wrist. As long as you wear it, it will keep ticking. And if you go long enough without wearing it and the reserve power runs out, simply put it back on and fix the time. No more taking your watch to a jeweler for an expensive battery.

Generally, automatic watches cost a bit more than traditional quartz options, but spending the extra money is well worth it.

With a budget of $1,000, you can get a high-quality automatic movement watch from brands like Filippo Loreti, Hamilton, Tissot, Movado, and Versace. 

If you're in the market for a watch that's just as functional as it is stylish, an automatic watch is for you.

Check out the 10 best automatic watches under $1,000, below. And check out the 10 best automatic under $500 here.

SEE ALSO: The 10 best automatic watches you can buy for under $500 right now

Filippo Loreti Venice Automatic Watch

Filippo Loreti came to life after an extremely successful Kickstart in 2015. The brand aims to make luxury watches more affordable by cutting out the middlemen of traditional watch buying. At just over $500, the Venice Rose Gold Blue draws inspiration from the famous Italian city of Venice. The blue dial features displays for month, day, date, and a.m. or p.m. Its automatic function 40-hour power reserve and even has a display to tell how much life is left.

Filippo Loreti Venice Automatic Watch, $519

Longines HydroConquest Automatic Watch

If a classic diver is the style you're looking for, then the Longines HydroConquest is the watch you want. It features a stainless steel case and bracelet, black dial, and uni-directional bezel. The face displays the date and sub-dials for 60 seconds, 30 minutes, and 1/10th of a second. With an automatic movement and water resistance up to 1,000 feet, this is watch is ready for adventure.

Longines HydroConquest Automatic Watch, $895 (Originally $1,275)

Filippo Loreti Milano Automatic Watch

Inspired by the city of Milan, the Filippo Loreti Milano is sophisticated and sporty. It features a black alligator patterned strap, case, and dial, while red motorsports-inspired accents are used on the bezel, sub-dials, and second hand. When fully wound, the automatic movement has a 40-hour power reserve. 

Filippo Loreti Milano Automatic Watch, $519

The Trump administration plans to try to repeal the Clean Power Plan, the Obama administration's main initiative to fight climate change by lowering emissions, according to news reports.

At the same time, EPA Administrator Scott Pruitt has reportedly spent much of his term meeting with executives and lobbyists from companies and industries regulated by the EPA. Many reports also suggest that Pruitt's primary aim is to eliminate environmental protections and dismantle much of the regulatory agency.

Under Pruitt, the EPA has already reversed a ban on a pesticide that can harm children's brains, and moved to rescind the Clean Water Rule, which clarified the Clean Water Act to prohibit industries from dumping pollutants into streams and wetlands. The agency has also reportedly begun an initiative to challenge climate science, among other rollbacks. Some of these moves have been legally challenged, but others are already in effect.

If Pruitt succeeds in his goal to roll back a significant portion of the rules that protect air and water, we'd return to the state the US was in before these things were regulated.

The EPA was founded in 1970, and soon thereafter began a photo project called Documerica that captured more than 81,000 images showing what the US looked like from 1971 to 1977. More than 20,000 photos were archived and at least 15,000 have been digitized by the National Archives.

Here's a selection of those photos, many of which show what the US looked like without the air and water protections that exist today.

SEE ALSO: There’s new evidence that life on Earth began with meteorites crashing into warm little ponds

Many of these photos simply show life in America at the time, but a number also document concerning environmental issues.

Smog, like that seen here obscuring the George Washington Bridge in New York, was a far bigger problem.

Factories burned discarded automobile batteries in the 1970s, releasing pollutants into the air. Current regulations require the batteries to be recycled without contaminating the surrounding area, although some get exported.

Climbing Wall Street's ranks as a dealmaker is no easy feat.

Yes, you need math chops and spreadsheet-modeling wizardry. You also need to tolerate, if not relish, working long hours to close the job. Second place is a set of steak knives, remember.

But that alone won't get you far.

The business is all about building relationships and navigating personalities — those of your clients and of your firm. These skills are more nebulous and can take many years to cultivate. That's why it's such an impressive feat to be sourcing and executing serious investment-banking transactions in your early 30s.

We've rounded up some of the rising rainmakers from firms across Wall Street, culled from more than 200 nominations by peers, clients, and financial institutions themselves. Each has made outsized contributions and distinguished themselves at an early age, earning accolades from superiors and clients alike.

Titles aren't everything — some firms have more layers of management than others — but these are your standouts and managing directors of tomorrow. Or, in some cases, today.

Read on for 16 of the most impressive rising stars in Wall Street investment banking, ordered by age.

Glenn Silverstein, 30, Bank of America Merrill Lynch

Glenn Silverstein is a top performer in Bank of America Merrill Lynch’s equity capital markets unit, sourcing 15 deals this year across the healthcare sector that pulled in more than $27.5 million in fees for the firm.

The George Washington University grad joined BAML in 2013 after several years at RBS. Silverstein, a vice president, focuses on leading originations for high-growth healthcare companies to fund product development and commercialization. He’s part of a healthcare team that has sourced equity for biotech firms like: Bluebird Bio ($400 million follow-on) — a cancer immunotherapy company that rivals Kite Pharma — and gene therapy firms Audentes (a $75 million IPO) and Regenx (a $139 million IPO).

Moritz Baier, 31, Goldman Sachs

While a teenager in Germany, Moritz Baier was earning thousands of euros dominating millions of competitors in the popular computer game "Diablo II" (yes, he skipped classes; no, the parents of the first-generation high-school graduate didn’t mind). He used some of his winnings to pay for business school at Stanford, and today he’s a senior associate in Goldman Sachs' burgeoning technology investment-banking business, where he helped build and co-leads the digital gaming and e-sports practice.

Along the way, Baier has worked for and advised some of the world’s most influential people. At Stanford, he was a teaching assistant for Condoleeza Rice. In nearly seven years at IBM (18 countries and five continents), he advised CEO Ginni Rometty and other top executives. Since joining Goldman in 2015, he’s advised Elon Musk and Michael Dell — including on the largest tech buyout of all time: Dell’s $67 billion acquisition of IT titan EMC. All told, Baier has done more than 20 transactions worth north of $100 billion in two years.

Christine Ferris, 31, JPMorgan Chase

Christine Ferris is the global cohead of the CLO primary business at JPMorgan Chase, where as executive director she oversees a team of 15 that has completed more than 50 transactions this year totaling $24.2 billion of capital raised to purchase leveraged loans.

Ferris joined the country’s largest bank in 2007 after graduating from Yale with a degree in psychology. She ascended the ranks at JPMorgan in sales and trading, initially focusing on structured credit sales. She was named global head of CLO syndicate in 2013 and promoted to cohead of the primary business in 2016.

Podcasts are all the rage right now. We even have podcasts that review and recommend other podcasts! I'm proud to say that I'm a podcast junkie, as is most everyone I know.But did you know that your podcast addiction could actually help you manage your personal finances?

Here are 10 that will improve your money mindset.

SEE ALSO: 14 podcasts for anyone who wants advice on being more productive, creative, or successful

1. Listen, Money Matters

Listen, Money Matters lives up to the promise of its tagline, "Manage your money like a badass." If you think personal finance is dull, Andrew Fiebert (a self-professed personal finance nerd) and Thomas Frank (a productivity expert) are here to dispel that myth.

They'll help you work smarter so that your money works harder for you. They break down complex terms and host some of the smartest minds in the personal finance field. Topics range from investing to debt reduction, and everything in between.

2. Planet Money

This superb NPR podcast is the gold standard when it comes to personal finance programs. Think breaking financial news meets the nuts and bolts of how our economy actually works told to you by your best friend. At almost 800 episodes, Planet Money has clearly found the secret recipe to making personal finance fascinating.

3. Stacking Benjamins

Endlessly action-oriented and infinitely original, Stacking Benjamins is all about taking personal finance advice and putting it to work for you immediately. With episode titles such as "Where Financial Planning Goes Wrong" and "69 Things That GO BUMP in Your Portfolio," this podcast is so much more than tips on how to save money. It's actually changing your mind about how you view money and its place in your life.

For the past few years, Joe Grabinksi has chronicled the most hilariously bad Amazon reviews of popular movies.

Grabinski's Twitter account, "Amazon Movie Reviews," has amassed over 200,000 followers, and is a pitch-perfect mixture of extremely misguided reviews and just plain wacky ones.

Grabinksi gave us a list of his favorites. These are the best of the bad. The ones he chose range in tone from clueless to angry, to some that we truly hope were meant as a joke. A few things we noticed: Parents tend to blame movies for everything, and at least one person still really cares about VHS.

Get your popcorn ready.

Creed (2015)

Hunger Games (2012)

Sinister (2012)

With employers reporting plans to hire 5% more graduates in 2017 than in 2016, it appears the employment outlook for recent graduates is on the upswing. Yet as any English major can tell you: Not every city offers the same opportunities.

Factors to consider

NerdWallet analyzed data for the 100 largest U.S. cities and scored each according to the environment offered for recent college graduates who are looking to get a foothold in the working world. Here's what we looked at— and factors you might want to consider.

Do other young adults live there? We looked at the percentage of the population ages 20 to 29.

Do other residents also have degrees? We examined the percentage of the 25-and-older population with a bachelor's degree or higher.

How much does it cost to live there? We looked at median annual earnings of those 25 and older with bachelor's degrees or higher, monthly gross rent (including utilities) and the percentage of monthly income gobbled up by rent.

What kinds of jobs are available? To gauge the career opportunities for college graduates, we incorporated the percentage of workers in the city whose occupations fall into the "management, business, science or arts" category as defined by the U.S. Census Bureau.

How tight is the local labor market? We examined the July 2017 jobless rate. Lower unemployment is generally thought of as favorable for workers in the labor market.

NerdWallet's analysis examined 2015 U.S. Census Bureau data on job options, the age of the population, rent costs and median earnings, as well as July 2017 unemployment rates from the Bureau of Labor Statistics. See the full data set here.

Key takeaways

Cities with high rents can still be a good place to start out. Rent accounts for, on average, 26% of median income for residents 25 years and older with a bachelor's degree in the top 10 cities, compared with nearly 25% in all 100 places, according to our analysis. It suggests that although high living expenses can be a burden, other factors — such as higher incomes — can make up for it.

Cities with lots of young adults and educated residents are top bets. Cities in the top 10 tend to rank highly for both the percentage of the 25-and-older population with a bachelor's degree or higher and the percentage of the population ages 20 to 29. For example, the top city, Madison, Wisconsin, ranks eighth in the first metric (31%) and first in the second (26%).

Cities with big state universities are welcoming. Six of the cities in the top 10 are home to a major state university, and a seventh, Boston, has 35 colleges and universities in its borders, according to the city.

Here are the best cities for recent college grads:

SEE ALSO: There are only 7 states with minimum wage above $10 an hour

1. Madison, Wisconsin

Wisconsin's capital has lots of young educated adults, in part because it's home to the state's flagship campus, the University of Wisconsin. Combined with its low unemployment rate and high percentage of workers in management, business, science or arts jobs, Madison vaults to the top.

Though its median income for those 25 and older with bachelor's degrees, $46,275, is average among other cities in the top 10, the median gross rent, $981, is relatively affordable. As a result, rent as a percentage of income, 25%, is among the lowest in the top 10, and about average for all cities in this analysis.

2. Arlington, Virginia

Just over the Potomac River from the nation's capital, Arlington is part of the densely populated region known as Northern Virginia, or NOVA. Rents are the highest among the top 10 — a median of $1,844 a month — and third-highest in our analysis. That the median income is $75,025 doesn't quite offset the cost of living: Arlington's young professionals still pour about 30% of their income into rent.

Where it thrives is the percentage of workers in high-paying management, business, science and arts occupations (topping our list at 68%), likely due to the large technology, government contracting and finance employers in the region.

3. Seattle, Washington

As the hub of the region that counts Amazon, Microsoft, Starbucks and the Boeing Co. among its biggest employers, the largest city in the Pacific Northwest ranks the best in the top 10 for the percentage of residents ages 25 and older with bachelor's degrees (36%), and third-best for the percentage of folks who work in management, business, science and arts occupations (56%).

It's a pricey city, and not just the coffee: Rent and other essential living expenses will take nearly 27% of a median income for younger residents, which is higher even than the average of 26% for the more-expensive cities in the top 10.

The INSIDER Summary:

• Gin is made from juniper berries, which some refer to as "super berries."
• From containing flavanoids which improve blood circulation to helping stop water retention, these are the health benefits drinking gin in moderation can have.

The juniper-based spirit has shrugged off its reputation from the 18th century as ‘Mother’s ruin’ to become one of the nation’s favourite tipples.

What might surprise you, however is that gin has some health benefits – when drunk in moderation, of course. In fact, as early as the Middle Ages, gin was used as a form of herbal medicine.

Gin is made from juniper berries, little dark purple nuggets with superfood powers. These berries can help fight infection and prevent heart disease, improve blood circulation and even help fight kidney and liver disease.

Your evening G&T can even help you achieve younger, healthier looking skin as well as keeping your waistline trim.

Let’s drink to our health.

1. Juniper berries are super berries.

The word "gin" actually derives from the older English word genever and the Latin word for juniper, juniperus. Gin is the most natural spirit as its main ingredient is of course juniper berries. These super berries are jam-packed with infection fighting qualities as they are warming, stimulating and disinfecting.

2. More antioxidants = fewer wrinkles.

Switch up your anti-wrinkle cream for a drink of Bombay Sapphire. Juniper berries are full of antioxidants and boost the regenerating cells in your body for smoother, healthier looking skin.

3. It's a low-calorie spirit.

You don't need to worry too much about your waistline. According to Livestrong, gin is one of the least calorific spirits with 97 calories per shot. The juniper berries come into action by increasing the number of enzymes that break down your food and helping your digestion. This also means less bloating. Mixing it with tonic will actually add more calories, so keep it neat.

For Google's SVP of platforms and ecosystems Hiroshi Lockheimer, work and free time tend to blend a bit.

He usually ends up spending at least part of his evening working on projects.

"It's not something that's easy for me to compartmentalize," he told Business Insider.

Still, Lockheimer achieves balance by making time for activities that are important to him, like taking his kids to school and exercising, as well as sticking to a standard 9 a.m. to 5:30 p.m. workday.

"I fully recognize that there's no single formula and everyone is different and everyone has a different threshold," Lockheimer said. "For me, though, the underlying point in all this is I'm really passionate about what I'm doing so it comes a little bit naturally for me."

Here's a look inside his busy schedule:

SEE ALSO: The CEO of a $36 billion tech company breaks down the intense daily schedule that he says sets him up for success

Lockheimer said he wakes up excited to head to work. "I love my job," he said. "I like the projects that I'm doing. I'm very passionate about those things."

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As part of the job, Lockheimer has to travel quite a lot.

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"We're a partnership-based business and our partners are all over the world," he said.

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The PlayStation 4 is a fantastic video game console.

Maybe you already have one? Over 60 million people already do, and that's because it's a great system: It's fast and easy to use, it's got great games, and it does lots of cool stuff!

Maybe you're not convinced? That's possible: $299 is a lot of money to drop. But that price includes more than the console — you'll also get a great game like "Uncharted 4: A Thief's End."

In case that doesn't push you over the edge, here are 16 great reasons to pick up a PlayStation 4 right now.

SEE ALSO: Here's what you need to do to find Nintendo's $80 mini Super Nintendo

DON'T MISS: The 25 best games every PlayStation 4 owner should have in their library

1. It's less expensive than ever.

This is the number one reason to buy a PlayStation 4: It's a shockingly affordable console at this point. Since coming out at $400 in 2013, the console has dropped in price steadily over the years — you're now looking at $250 for a brand new PlayStation 4, and there are plenty of deals where you can get one with a game for an even better price.

As the holiday season ramps up, expect a mess of these types of bundles. But also let's not kid ourselves: at $250 for the PS4, you don't have to wait for a deal. 

2. PlayStation Plus continues to be the best deal in gaming.

Do you like awesome games? Sure you do! That's why you're considering buying a PlayStation 4 in the first place! How about awesome, free games? Because that's exactly what you'll get every month with a subscription to Sony's PlayStation Plus service.

It enables online play, sure, but more importantly you get free games every single month through the program. You keep the games for as long as you stay subscribed. The service literally pays for itself in two months. It is the biggest no-brainer of all no-brainers.

This should be your first purchase after buying the PlayStation 4 itself.

3. "Bloodborne."

Listen, "Bloodborne" is not for the faint of heart. You see that monster up top? That's not concept art. You're the comparatively diminutive hunter in the foreground in this equation, and that giant monster is surprisingly fast. Do the math.

"Bloodborne" is gorgeous/gruesome, tremendously challenging, and easily one of the best games on PlayStation 4. Oh, and to be clear: You can only play "Bloodborne" on the PlayStation 4. Here's a review-y thing my colleague Dave Smith wrote about the game— it goes into far more depth on why "Bloodborne" is so fantastic.

Netflix's library of original content has grown exponentially since it released its first big show, "House of Cards," in 2013.

Over the years, it has proven to be a hotbed for original drama programming, with shows like "Stranger Things" and "13 Reasons Why" becoming cultural sensations. 

With so many drama series on the service, however, it can be hard to keep up with which shows are worth watching. 

To create a cheat sheet for you, we turned to review aggregator Rotten Tomatoes to rank all of Netflix's original drama series by their composite critical ratings. The shows had to have at least one season designated "Fresh" or "Rotten," to ensure they had a high enough number of reviews. We excluded shows that were continuations from other networks, like Channel 4's "Black Mirror."

Here are Netflix's 24 original drama shows, ranked by their Rotten Tomatoes critic score from lowest to highest (if there was a tie, we used the audience score to break it):

SEE ALSO: RANKED: Netflix's 25 original comedy shows, from worst to best

24. "Iron Fist"— 17%

Critic score: 17%

Audience score: 77%

Netflix description: "Danny Rand resurfaces 15 years after being presumed dead. Now, with the power of the Iron Fist, he seeks to reclaim his past and fulfill his destiny."

23. "Between"— 22%

Critic score: 22%

Audience score: 71%

Netflix description: "After a mysterious disease kills every resident over 22 years old, survivors of a town must fend for themselves when the government quarantines them."

22. "Marco Polo"— 24%

Critic score: 24%

Audience score: 93%

Netflix description: "Set in a world of greed, betrayal, sexual intrigue and rivalry, 'Marco Polo' is based on the famed explorer’s adventures in Kublai Khan’s court."

With a full slate ahead on Sunday, Week 5 presents plenty of opportunities for excitement, especially for daily fantasy players looking to make a quick buck on DraftKings, FanDuel, or wherever you choose to play.

When forming your daily fantasy lineup, it's always important to look for value plays in the mid- to lower-tier price ranges. Everyone wants to load their teams with studs sure to light up the box score, but it's finding the undervalued players that allows you to max out your budget on the likes of Antonio Brown and Aaron Rodgers this week.

Below we've picked some of our best value plays for daily fantasy players. Consider them when trying to find a few extra dollars to upgrade elsewhere in your lineup.

QB: Blake Bortles, $4,800

While Jaguars fans have been waiting for Blake Bortles to turn into an elite passer for years, fantasy players know that he's an absolute stud when it comes to padding stats in garbage time when Jacksonville is already hopeless of winning the game on the field. Going up against the Steelers on Sunday, Bortles should have plenty of time to get pass happy after the outcome has been decided.

RB: Frank Gore, $4,400

Did you know that Frank Gore is 8th on the all-time rushing list? He's rushed for more yards in his career than Marshall Faulk and Jim Brown, and has a good chance to pass Jerome Bettis this season. Anyway, this week the Colts are playing the Niners at home and Gore was one of the brights spots of the Colts' Sunday night game against the Seahawks.

RB: LeGarrette Blount, $4,200

LeGarrette Blount showed off a bit of beast mode for the Eagles on Sunday, barreling through the Chargers defense. While the Cardinals present a solid run defense, expect Philadelphia to get a lead and then seal the game with their running backs. Nothing would get the home crowd hyped like another running performance like last week.

Just because your calendar is full doesn't mean that you're an effective time manager. It just means that you have a full diary. As a result you're probably stressed and running around like a maniac.

Time and calendar management can influence all aspects of your life. It's important to be on the lookout for the following seven signs that things may not be going as well as you think.

Once you become an effective manager of your schedule you won't just become a time and calendar boss. You will begin you feel more professional and you'll become more happy and satisfied in your life.

SEE ALSO: Burning out at work isn't just about being exhausted — it's also about being lonely

1. Poor punctuality.

Are you the type of person who is always late for appointments or missing important deadlines? It's probably because you've either committed to too many tasks or you don't have the ability to designate the right amount of time to your activities.

Since poor punctuality typically impacts everyone around you, it can have a negative impact on the quality of your relationships. In fact, punctuality is generally considered a sign of respect.

If you have the habit of running late for a meeting, for example, it shows that you don't respect the other person enough to be on-time.

"Repetitive lateness is more often related to personality characteristics such as anxiety or a penchant for thrill-seeking," says Diana DeLonzor, author of "Never Be Late Again: 7 Cures for the Punctually Challenged."

"Some people are drawn to the adrenaline rush of that last-minute sprint to the finish line. Others receive an ego boost from over-scheduling and filling each moment with activity."

If you want to be more punctual, DeLonzor suggests that you work on developing these four habits:

Relearn to tell time. 

"If once, 10 years ago, they made it to work in 20 minutes, they believe that's how long it should take," she says. "They forget about the 99% of the times that took 30 minutes."

In order to develop realistic habits, you must relearn to tell time. Start by writing down how long you think it takes to shower and get ready in the morning. Then how long to commute to work? For a week, track how long these tasks really take.

Give yourself buffer time.

Punctual people are typically early, says DeLonzor. "Being late makes them stressed out and they don't like feeling rushed," she says. "Late people get stressed out from being late too, but they don't strive to be early; they tend to time things to the minute."

For instance, if a meeting start at 9 a.m., a punctual person will be there at 8:45. This way they won't run late in case of an unforeseen situation, like a traffic accident or road repairs on their way to work.

Get organized.

DeLonzor says that 45% of everything people do daily is automatic. "Our lives are filled with habits — from the way you brush teeth to how you get dressed and leave for work," she says, adding that they're necessary. "If we didn't do things automatically, it would take us forever to get through our day."

Those who are on-time analyze their daily activities, set routines, and stick to them.

Be comfortable with down time.

Since punctual people arrive early, this gives them some down time. For example, arriving to a meeting fifteen minutes early allows them to catch up on emails, review notes, or simply enjoy the solitude.

2. You don't put yourself first.

"You need to be proactive instead of reactive to your calendar. Schedule your time first and only then accept appropriate requests from others,' suggests Craig Jarrow, the author of "Time Management Ninja."

"If you make the mistake of not blocking your calendar in advance, you will find that it fills up entirely with other peoples' priorities — not yours."

3. Not having or prioritizing to-do-lists.

"To-do-lists can be a great way to help you remember tasks and stay organized so that you can get the most out of your day. The only downside with to-do-lists is that they can easily get loaded with multiple tasks that you probably won't get to in just a single day," writes Due's Angela Ruth.

"Every morning you should look over your to-do-list and identify the two or three most important tasks for the day. These are the most essential tasks that have to be completed before the end of the day.

"These may includes tasks like completing a blog post or having a phone conference with a potential client. Once these tasks are accomplished, you can start working on the other items — even if it's not due until tomorrow."

As long as you have "crossed off your most vital tasks, you've already had a fruitful day."

It's common for New York City to come to mind when you think of New Year's Eve celebrations.

It's the most popular city for travelers to ring in the New Year, according to travel price comparison site Expedia, and the longtime host of one of the biggest New Year countdown parties in America, right in Times Square.

But as an already expensive destination, airfare and accommodations in New York City are even pricier during the holidays.

Luckily, a fun New Year's Eve getaway doesn't have to cost you a fortune.

In fact, you can travel to cities like Los Angeles and Seattle — and even tropical destinations like the Bahamas — for under $400 round trip.

If you book between November 26 and December 5, you can save an average of $600 on airfare and hotels, according to data from Expedia. If your travel plans are flexible— as in you don't have to be back in the office on January 2 — you may be able to save even more.

Since there's still time to choose a destination, check out Expedia's list of the 10 best places to visit for New Year's Eve where round-trip airfare is less than $400.

All flight prices are based on average airfare with a departure date of either December 30 or 31. Expedia also provided the average cost of a hotel on New Year's Eve for each location based on New Year's 2017.

SEE ALSO: Here's exactly when to book your flights for Thanksgiving and Christmas

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10. Los Angeles

Average round trip-ticket: $377

Average daily hotel rate: $219

9. Mexico City

Average round-trip ticket: $372

Average daily hotel rate: $96

8. Nassau

Average round-trip ticket: $369

Average daily hotel rate: $329

Millennials have heard enough about avocado toast— the dish that sparked outrage earlier this year when a millionaire said young people can't afford to buy homes because they spend too much money on overpriced toast. 

Now there's a new expensive breakfast indulgence that San Franciscans are obsessed with.

"Millionaire's bacon" is a thick-cut, succulent-and-sweet version of the breakfast staple and it's increasingly popping up on menus across the Bay Area. Its decadence might make you feel rich, but you certainly don't need to be a millionaire to try it. The bacon ranges from $2 to $7 a slice.

We tried millionaire's bacon at Taylor Street Coffee Shop in San Francisco. Here's the verdict.

SEE ALSO: I went on the Silicon Valley diet craze that encourages butter and bacon for 2 months — and it vastly improved my life

I love bacon. Here's me eating some that I sprinkled on a cauliflower dish.

When I first read about "millionaire's bacon" in the San Francisco Chronicle, I couldn't wait to try it. I placed an order for pick-up at Taylor Street Coffee Shop, which serves the dish.

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Hoyul Steven Choi is a local restauranteur credited with bringing millionaire's bacon to San Francisco. He started serving it out of his Pacific Heights brunch spot Sweet Maple in 2012.

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A server poses for a photo inside one of Hoyul Steven Choi's restaurants.

American liberals and conservatives are divided in many aspects of life, including television preferences.

But social-media research firm Fizziology suggests there are three major TV shows that both conservative and liberal audiences like equally.

Here they are: "Dancing with the Stars,""Star Trek: Discovery," and "The Orville."

 Fizziology cofounder Ben Carlson pointed out that these shows "don't necessarily have a political flavor," and suggested that probably had a lot to do with why liberals and conservatives both enjoyed them.

"'Dancing with the Stars' — it's fun! There's all kinds of famous people dancing, and learning how to, and failing, and then succeeding. That's something that's kind of universal," Carlson said.

Carlson also remarked that he thought it was interesting that two of the TV shows enjoyed on both sides of the political spectrum were related to space and exploration, and connected to "Star Trek."

Carlson said he felt "longevity, and the fact that it's amazing storytelling," is what pulls in conservative viewers into "Star Trek," a show he felt had more traditionally "liberal" themes. And as for "The Orville," Seth McFarlane's "Star Trek" spoof, Carlson credits its appeal to liberal and conservatives to the fact that it's "something set in that world [space], but with humor."

"Dancing and space — these are the things that unite our country," Carlson said.

As to the other shows, according to Fizziology, those that liberals enjoy most have more diverse casts, and seem to center around modern life in "urban settings." Conservatives tend to favor shows with "traditional notions of heroism and bravery," which revolve around the military, or rescue workers.

Here are short descriptions of each of the three shows both sides agree on:

SEE ALSO: Conservatives and liberals love wildly different TV shows — here are the top series across the political spectrum

"The Orville"

"The Orville" follows a mediocre space crew traveling across the universe, combating the woes of everyday life as well as the dangers of space.

"Dancing with the Stars"

Celebrities (usually ones that haven't been in the lime light for a while) pair up with professional dancers in this competition reality show.

"Star Trek: Discovery"

The newest addition to the "Star Trek" series centers around the crew of the Discovery ship as they travel on an array of missions throughout the galaxy. 

For me, as a child of the 90s, the Acura NSX (or Honda NSX if you reside outside of the US) helped define automotive excellence for the decade of my youth. 

When the original NSX debuted in 1990, it turned the supercar world on its head. Never before had anyone been able to deliver the performance of a Ferrari 328 or 348 while offering the ease of use and reliability of a Honda Accord.

It's a car I've always dreamed of having the chance to drive.

Unfortunately, the first generation NSX went out of production in 2005 —  long before I began my career as an auto journalist. Heck, I only got my driver's license in 2002.

Although the decade-long wait for a successor was less than ideal, the second generation NSX is finally here for 2017. 

Last year, Acura invited me up to Lime Rock Park in Connecticut to turn some hot laps in their second generation NSX supercar. We liked the 2017 NSX so much that we named it Business Insider's 2016 Car of the Year. 

But what I found sitting in the parking lot at Lime Rock piqued my interest even more — a first-generation NSX.

Fortunately for me, the grey 2005 NSX is part of Acura's corporate fleet and the company brought it along just in case anyone wanted to take it for a spin.

Jackpot!

Here's what happened when Acura handed me the key to two generations of their NSX supercar. 

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Nestled in the rolling hills of northwest Connecticut, the idyllic Lime Rock Park made for the perfect race track to put ...

... the new Ohio-built 2017 NSX through its paces.

However, as I pulled into the parking lot. This car caught my eye — a first generation NSX. What a sight to behold! And then Acura handed me the keys. Time to get excited!

Coss Marte is 31 years old. For the last three years he's been the CEO of ConBody, a prison-style bootcamp that has reached 22 countries and tens of thousands of customers. His story of success is similar to that of many CEOs, except for one key detail.

Marte didn't start his business in grad school. He started it in prison.

Marte is a graduate of Defy Ventures, a nonprofit that connects prisoners with professional mentors to help them start businesses that can thrive once they get released back into society, in a six-month program known as "CEO of Your New Life."

On a recent Tuesday at Wallkill Correctional Facility in upstate New York, the program was about to reach its natural end for 25 "entrepreneurs-in-training," or EITs. With dreams of becoming the next Coss Marte, the EITs pitched 50 executives on their ideas before a graduation ceremony honoring their achievement.

Business Insider ventured inside Wallkill to see firsthand how the "Shark Tank"-style competition is granting second chances.

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Wallkill is a minimum security prison, but it still prohibits most electronic devices. Defy's events took place free from cellphones and other buzzing and beeping distractions.

The day's events began with Defy flipping the usual script. The welcome tunnel, typically formed by inmates, was instead made up of executives. Inmates got high-fives and cheers as Jay-Z's "Empire of State of Mind" boomed through the speakers.

The two groups immediately started networking with an icebreaker game.

Less than one mile from Manhattan — one of the priciest and most densely populated places in the world — exists a little-known island that people abandoned nearly 55 years ago.

"North Brother Island is among New York City’s most extraordinary and least known heritage and natural places," wrote the authors of a recent University of Pennsylvania study about the location

The city owns the 22-acre plot of land in the East River, which sits between the South Bronx's industrial coast and Riker's Island Correctional Center — New York City's most infamous prison.

Almost no one is permitted on North Brother Island and its smaller companion, South Brother Island, except for birds. But even they don't seem to want to live among its crumbling, abandoned structures (and contrary to Broad City's depiction of the island, there is no working package pick-up center).

However, Business Insider recently took a tour as part of a TV shoot, whose producers obtained permission from the city to go.

Here's what we saw and learned while romping around one of New York's spookiest and most forgotten places.

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The only way to get to North Brother Island is by boat. Leaving from Barretto Point Park in the South Bronx is one of the quickest to get there.

Watch your step — the boat ramp is covered in slippery algae at low tide.

This small aluminum boat was our ride.

New York City is home to some of the most expensive real estate in the world. The most expensive place to own a home in this expensive city, however, is Tribeca.

While back in the 1970s, the neighborhood attracted artists because of its many large lofts, today its relatively quiet streets entice the city's wealthiest businesspeople, as well as mega-celebrities like Beyoncé, Jay-Z, and Taylor Swift, who purchased a penthouse in the neighborhood for a reported $20 million in 2014. 

Today, according to StreetEasy data, the median sale price in Tribeca is $4.525 million. 

I recently strolled through the neighborhood to see why its real estate repeatedly tops the market. From its cobblestone streets to its plentiful restaurants, shopping, and parks, there seems to be very little reason to ever leave Tribeca once you've settled in.

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"Tribeca" is an abbreviation for "Triangle Below Canal Street." Originally, the name referred only to a single block on Lispenard Street between Church Street and Broadway. Today, the neighborhood is understood to include the streets south of Canal down to Vesey Street, and from the West Side Highway to Broadway.

Source: Curbed

As for public transportation options, the neighborhood is serviced by the 1, 2, 3, A, C, E, N, Q, R, and W subway lines.

On the market in Tribeca right now are some of the city's most historic homes. This row of townhouses on Harrison Street was originally built in 1819 and made an official city landmark in 1966. Home 27A is currently on the market for $6.5 million.

Source: Douglas Elliman