Saving money isn't that hard. What's hard is keeping money saved.

It's too easy to cut expenses in one area only to spend more somewhere else. Sticking cash into savings won't help if it comes right back out again.

What you need are some ways to trick yourself into savings that actually last.

SEE ALSO: Too many people can't save money for the same reason — and it's easy to fix

1. Automate it

Willpower is overrated. Set up automatic transfers, and you likely won't miss the money as it's whisked from your paycheck to your retirement fund (for example) or from your checking account to savings.

2. Hide it

Part two of the out-of-sight, out-of-mind approach is to make sure you're not regularly reminded that you have this money. Set up savings accounts at a separate institution from the one that has your checking account, so you're not seeing your savings balance every time you log on.

Sign up for paperless statements for retirement accounts, and then don't check them more than once or twice a year. (But don't ignore these accounts entirely — set up text or email alerts for any withdrawals or unusual activity so you can catch fraud.)

3. Name it

Labeling an account with its purpose can be a powerful deterrent to tapping the money for other uses. Online banks allow you to set up multiple sub-accounts at no extra cost, and each one can be given a name: vacation, property taxes, new car fund, holidays and so on.

It's a lot easier to dip into a nameless savings account than one that says "Dream Trip to Bora Bora." The names make you think about what you're really sacrificing when you spend the money thoughtlessly. You may not be able to rename your employer retirement fund, but you often can input nicknames for IRAs and other brokerage accounts. How about "Freedom Fund"?

• Wall Street is wary of the Republican tax plan because of the concessions and compromise that will be necessary to pass it
• The economic impact is still expected to be positive, specifically for companies and their stock prices
• The plan's proposed mortgage-interest deduction isn't beneficial to new home owners, some analysts said

 
The Republican's massive tax plan is getting a cautious response from Wall Street. Analysts are wary about what it will take to get this passed and note that any concrete progress will require heavy concessions and compromise from all involved.

Analysts also noted a few provisions of the plan that aren't quite as appealing as they appear on the surface. Morgan Stanley in particular had such an issue with the plan's proposed mortgage-interest deduction — which has also drawn the ire of the National Association of Home Builders.

From an economic perspective, Wall Street is still bullish on what a corporate tax rate cut would do for both companies and the overall market. Both highly taxed US companies and multinational corporations with large overseas cash holdings rallied as traders bought assets expected to benefit most from a change in tax policy.

Without further ado, here's a roundup of Wall Street commentary on the tax plan:

Morgan Stanley: in an all or nothing scenario, legislative failure is the base case

Morgan Stanley reiterated its base case that the Republican tax plan will spur modest stimulus and "plenty of execution risk," while noting that it's "still at the drawing board." Here are some select comments from the firm:

• On corporate tax cuts:"Corporate tax rate could still go higher ... Many pay-for provisions in the bill are likely to be challenged by members and lobbyists. Hence, proponents of an immediate corporate rate cut may still be disappointed ... A rate closer to 25% (our base case) could also be a necessary maneuver to compel votes."

• On pass-throughs:"The influential National Federation of Independent Business (NFIB) has already come out against the bill because they believe the pass-through provision does not help most small businesses. This may continue to be a subject of debate."

• On repatriation:"As expected, the bill proposes a one-time favorable repatriation rate ... However, a 12% mandatory tax on cash-backed foreign retained earnings is higher than expectations and prior Republican proposals."

• On mortgage interest deduction:"On the surface, the plan preserves the mortgage interest deduction. However, the devil, as always, is in the details. While the current mortgage interest deduction is preserved for existing mortgages, for homes purchased going forward, the mortgage interest deduction will be capped at $500k, reduced from its current cap of $1 million."

• "A key risk to our view is that producing a limited deficit-expansion bill becomes politically untenable as contentious pay-fors deny leadership the votes to pass one or either chamber of Congress. In this case, Republicans could attempt the 'Hail Mary' option, pursue an 'all cuts' bill that substantially increases the deficit and implied stimulus."

• On possible failure and market impact:"In this 'all or none' scenario, we think legislative failure would likely become the base case, as there may be enough deficit hawks and rules purists in the Senate to deny passage. But it would also signal an increased probability of meaningful stimulus. This dynamic could encourage rates volatility."

UBS: Pushback from drug and energy companies will be large

UBS reiterated Morgan Stanley's view that tax reform is "far from a done deal," but adopted a more negative stance. The firm identified several sticking points that will prevent tax reform from getting done this year or next. It said:

• On expensive proposals:"The combination of lowering the corporate tax rate to 20%, the increase in the family tax credit, and the elimination of the alternative minimum tax are all costly plans that will require substantial revenue offsets to keep the overall size of the tax plan within the Senate's $1.5 trillion deficit over ten years."

• On eliminating special-interest deductions:"We believe this line is likely to reduce the subsidies to the energy sector, the pharmaceutical sector, and other large corporate interests. Push back from these groups will be large."

• On state and local tax deduction, and the mortgage interest cap: "Although these states are predominately Democratic, a substantial number of Republican representatives hail from those states and have already stated opposition to these reductions."

• "We have long held the view that finding the revenue offsets for the ambitious tax reform plan will be difficult. The combination of lowering the corporate tax rate to 20%, the increase in the family tax credit, and the elimination of the alternative minimum tax are all costly plans that will require substantial revenue offsets to keep the overall size of the tax plan within the Senate's $1.5 trillion deficit over ten years."

Deutsche Bank: this won't turn up in S&P 500 earnings

Deutsche Bank shares a similar view to the firms outlined above, expressing concern that tax reform will be implemented without considerable compromise. It also dove deep into the potential impact on corporations and the overall market. The firm said:

• "Republicans urgently needing something they can present as a success currently appears to be the main reason why the reform has a chance of being implemented."

• On the cost of the plan:"According to the budget draft, the tax package is allowed to have a maximum net cost of $1.5 trillion over the coming decade. And several Republicans think that this amount is considerably too high."

• On public interests:"Citizens are considerably less interested in a tax reform than in the healthcare issue. They might still be outraged if the tax reform turned out to be nothing more than a tax cut for corporations and top income earners."

• On the corporate tax cut:"We expect that the corporate tax rate will be reduced from 35% to 25% (the Republicans are currently aiming at 20%). However, this tax relief will not be directly reflected in the S&P 500 earnings."

• On the effect of repatriation:"The effect on earnings after tax might be reinforced by new provisions on the repatriation of U.S. corporate earnings held abroad. This might lead to higher equity buybacks. However, much will depend on the details. We believe that earnings per share might rise by up to 1.5% as the number of outstanding shares is reduced."

• On Fed impact (or lack thereof):"The tax cut alone (i.e. unaccompanied by additional fiscal stimulus or deregulation) is unlikely to have a significant impact on the interest-rate decisions of the Federal Reserve. We continue to expect up to three rate increases in 2018."

• On competing pressures:"The haggling will only intensify, as further details become available. So might conflicts among Republicans within the Senate and the House of Representatives, and between both chambers. Interventions from the White House add another source of uncertainty. And of course, various lobby groups will vehemently try to influence the final package. In the midst of all this, hammering out the many remaining details will not be easy."

• "The term 'tax cut' appears more appropriate than 'tax reform.'"

• Your work email account should be kept completely professional.
• Messages can be misconstrued when recipients can't see your facial expressions or hear your tone of voice.
• Your career and relationships could be put on the line if emails get forwarded.
• Performance, criticism, or unsolicited advice should always be shared in person.

At the office, you probably know not to outwardly trash a coworker's idea or talk smack about your boss when he's in earshot. But email isn't quite as intuitive.

It's easier to have a message misconstrued when the person you're chatting with can't read your facial expressions, or hear your tone of voice. If you veer into a conversational gray area, like disapproval of a policy, or a joke at a coworker's expense, things can get hairy fast.

"Your professional email, much like your desk and chair, belongs to the company you work for," says Denise Dudley, career coach and author of "Work it! Get in, Get Noticed, Get Promoted." Emails live forever, and you don't want to go on record saying something that could haunt you later."

We asked Dudley and a handful of other career experts to name the work conversations that should never, under any circumstances, happen over email.

Here were there five big no-nos:

SEE ALSO: 22 email-etiquette rules every professional should know

Gossip

Even if the person you're emailing about the sordid details of last night's happy hour isn't a blabbermouth, there's no telling who's looking over her shoulder. Or whether either of you have had enough coffee to prevent a forwarding mishap.

And believe us, mistakes happen.

"I actually had to deal with a personnel situation where someone wrote a 'guess who's pregnant' email to several of her co-workers," Dudley recalls. "The theoretically pregnant person — who was definitely not pregnant, but had gained a little weight — accidentally intercepted the email. Her relationship with the email author never fully recovered."

Performance

Unless you're drafting a performance report to HR, don't talk about how people are doing their jobs — even if it's complimentary.

Sarcasm doesn't translate well through email, so when you lob a note to your boss that says "our new intern sure is punctual," it's hard to tell if you're being earnest.

"Even positive comments can sometimes be misconstrued, and negative ones even more so," says Kathleen Murphy, founder of the marketing consulting firm Market Me Too. "If you absolutely believe you need to put something in writing, provide a crystal clear example of their action, and why it merits a reaction from you."

Instead of shooting off that nebulous email about your new hire's schedule, try something along the lines of: "Have you noticed our intern is always the first in the door every morning? Let's give her Friday off to thank her for her hard work."

Unsolicited advice

If you make a habit out of giving feedback nobody asked for — like responding to a colleague's meeting request with a list of suggested slides, or public speaking advice — people will start to treat you like the office troll you are.

"Making unsolicited suggestions is not recommended, "Murphy says. "However, if you ask them in writing if they would like suggestions or feedback from you, then you're in a safer place."

Every month, the job-review site Glassdoor sifts through its mountains of data to see which occupations enjoyed the biggest wage increases.

Paychecks for retail roles, including store managers, cashiers, and more, were on the rise in October as companies gear up for the holiday shopping season.

"We are seeing increased demand for roles that serve as the logistical foundation for back-end operations for online retail," Glassdoor's chief economist, Andrew Chamberlain, said. "We anticipate this will continue to grow over the coming months, fueled by the upcoming holiday season and as Amazon and Walmart expand their online retail presence."

While the data isn't official — government numbers on employment and wages are scheduled to come from the Bureau of Labor Statistics in its monthly jobs report on Friday — the results provide some insight into which fields saw wage growth and how much their paychecks grew.

Here are the jobs that saw the biggest raises last month:

SEE ALSO: These niche coffee chains could be the next Starbucks

10. Sales representative

Median base pay: $46,531

Increase over last year: 3.9%

9. Store manager

Median base pay: $48,616              

Increase over last year:  4.0%

8. Construction laborer

Median base pay: $39,678 

Increase over last year: 4.0%

Every month, job review site Glassdoor sifts through the troves of data submitted by its users to see make sense of the labor market.

Across the board, US workers saw a 1.6% jump in October compared to the previous year, but in some cities that growth was over 2%.

"U.S. wage growth is steady but slow. We've seen incremental increases over the past few months after a slight decline of U.S. median pay over the summer months,"said Glassdoor’s chief economist Andrew Chamberlain. "While we are still well below the 3.5 percent pay growth rate of January, I am encouraged by the slight salary increases recorded since August and anticipate growth to continue to accelerate through the end of the year."

While the data isn’t official — government numbers were released by the Bureau of Labor Statistics on Friday— the results provide an insight to which metro areas were seeing the biggest wage growth,  and by how much.

Here are the 10 US cities where paychecks are growing the quickest:

SEE ALSO: The 10 jobs that got the biggest raises in October

10. Houston

Year-over-year wage growth: 0.0%

Median base pay: $54,136

9. Philadelphia

Year-over-year wage growth: 0.4%

Median base pay: $54,142

8. Washington D.C.

Year-over-year wage growth: 1.1%

Median base pay: $58,676

Warning: There are spoilers ahead for Sunday's "The Walking Dead," titled "Monsters."

Rick continued his standoff with Morales on Sunday's "The Walking Dead" while Carol and Aaron continued to eliminate other Saviors from the battlefield.

If you paid close attention to the dialogue in season eight's third episode, there were a few references to past and future episode titles along with more callbacks to season one. Keep reading to see everything you may have missed.

King Ezekiel's men are ambushed in the forest after they hear a menacing chorus of whistles.

It instantly brought to mind when Rick's group was ambushed in the season six finale.

When Rick was trying to bring Maggie to the Hilltop, his group was surrounded in the forest by a chorus of whistling Saviors. It eventually led to the death of Glenn and Abraham.

This time around, Negan wasn't there to take out anyone with a baseball bat. Ezekiel and Carol also had the upperhand by anticipating the ambush and took everyone out as soon as they surrounded them.

The title of the episode "Monster" has a few meanings.

Rick and his group have referred to Negan's men as "monsters" several times over since they killed Glenn and Abraham and countless other allies. On Sunday's episode, Gregory outright says they are monsters when he begs to be let back in to the Hilltop.

However, Morales calls Rick out on Sunday's episode and tells him he's no different after seeing him brutally kill a newborn's father.

"I guess we're not the same guys we used to be, huh? Because you're a monster," Morales tells Rick.

LONDON — The International Consortium of Investigative Journalists published the latest of its investigations into the financial affairs of the rich and famous, detailing how some of the world's wealthiest and most powerful people legally hide their cash offshore.

The latest installment — which follows on from 2015's Panama Papers — has been dubbed the "Paradise Papers" and consists more than 13 million documents, obtained mostly from law firm Appleby, a leading adviser on offshore affairs.

No wrongdoing is being alleged by the ICIJ: "There are legitimate uses for offshore companies and trusts. We do not intend to suggest or imply that any people, companies or other entities included in the ICIJ Offshore Leaks Database have broken the law or otherwise acted improperly."

Business Insider scanned the first set of papers released by the ICIJ — it will release more as the week goes on — for newsworthy or prominent individuals in the world of celebrity and politics. Here are some of the most interesting people named so far.

The Queen

The most striking name in the latest leak is that of Her Majesty The Queen. The Duchy of Lancaster, which provides the Queen with an income and deals with the investments for her £500 million private estate, is shown to have invested as much as £10 million offshore in funds based in the Cayman Islands and Bermuda.

"Our investment strategy is based on advice and recommendation from our investment consultants and appropriate asset allocation," Chris Adcock, the CFO of the Duchy said in a statement given to the BBC.

"The Duchy has only invested in highly regarded private equity funds following a strong recommendation from our investment consultants."

The Queen is not personally involved in any of the investments.

Lord Ashcroft

Prominent Conservative Party donor Lord Ashcroft "ignored rules around the management of his offshore investments,"according to a BBC report on the Paradise Papers, which says that he gave assets worth hundreds of millions of dollars to the Punta Gorda Trust in Bermuda in 2000.

Ashcroft could be the subject of an investigation by Her Majesty's Revenue and Customs, the BBC says, "if it was to take the view an overseas trust had been controlled from the UK."

Wilbur Ross

Commerce Secretary Wilbur Ross, President Donald Trump's point man on trade and manufacturing policy, has a stake in a company that does business with a gas producer partly owned by the son-in-law of Russian President Vladimir Putin.

According to records obtained by the International Consortium of Journalists, Ross is an investor in Navigator Holdings, a shipping giant that counts Russian gas and petrochemical producer Sibur among its major customers. Putin's son-in-law Kirill Shamalov once owned more than 20% of the company, but now holds a much smaller stake.

You can read Business Insider's full report on Ross' involvement in the Paradise Papers here.

When you think of therapy, you may think of an intense and intimidating process strictly for people who struggle with mental illness. But there are countless styles and settings for therapy, which means there's something out there for anyone. 

In fact, there are more people who are benefiting from therapy than you might think. According to a survey from the American Psychology Association, 27% of Americans have received treatment or therapy from a mental health professional. Here are just a few reasons why you may want to look into joining them, even if you don't believe you have a mental illness. 

It can help you learn to love yourself.

Therapy promotes tools that can improve your relationship with yourself and your brain, something that everyone can benefit from. 

"Therapy can help you fall madly in love with yourself, and in turn make you a magnet for healthy relationships," Tristan Coopersmith, psychotherapist and owner of the women's sanctuary Life Lab, told INSIDER. 

It allows you to speak to some objective about your problems.

When you're talking to someone you trust about your problems, they will likely have some kind of a personal stake in it. 

A therapist, however, doesn't have any preconceived notions about you nor any personal stake. You can trust them to keep your secrets and allow you to speak freely, letting you get as objective an opinion as possible. 

"As a long-term traveler (on the road since June 2014) and remote worker, my therapist is a really key part of maintaining my self-care," writer Katherine Conaway told INSIDER. "She's an objective audience to my concerns, daily challenges, and relationship difficulties (romantic, family, and otherwise), as well as the more philosophical questions I think about as a millennial finding my place in the world."

It helps make the good things in your life great.

Therapy doesn't always have to be about negative things. In many cases, talking about the relationships and things in your life that already make you happy can allow you to be even happier with them, Coopersmith told INSIDER. 

Therapy provides a judgment-free zone, so that you can talk about small issues you may be having in healthy relationships and learn to overcome them more easily, thus making those good things, great. 

• The Wing is a women-only coworking space and club with two locations in New York City.
• Its newest location, in New York City's SoHo neighborhood, provides its members with desks, a beauty room, space to nap, meeting rooms, a library, and a café.
• 8,000 women are on the waiting list for membership to The Wing.

When The Wing, a coworking space and social club for women, launched in October 2016, founders Audrey Gelman and Lauren Kassan didn't realize how large the demand for membership would be or exactly the type of comfort it would provide its members. In the months before the 2016 presidential election, Gelman, who has experience working in politics, said she believed Hillary Clinton would win.

"This was going to be the golden age of women in power, so women could have rooms like this," she told Business Insider. "It was sort of a triumphant concept.

"Obviously that's not what happened," Kassan said.

Overnight, after Donald Trump's victory, The Wing was inundated with calls from members and people on the waitlist, who, according to Kassan, were saying, "I didn't realize how much I wanted or needed a space like this."

Now, the club has 1,500 members and an 8,000-person waiting list for its two open locations. It plans to launch two more spaces, one in Brooklyn and one in Washington, DC. Its prices, which vary between $2,350 to $2,700 a year, offer members access to a variety of perks.

With a focus on growing a community for its members, the club provides more than a place to set up your laptop. Speaking events, community volunteer opportunities, movie screenings, and happy hours provide a home base for its members to build relationships.

The Wing is serious about its no-men-allowed rule. On the day we got a tour of its new SoHo space — its opening day — we were told not to bring along any male coworkers. We found it already buzzing with members.

SEE ALSO: Go inside the gorgeous New York offices where startup Rent the Runway wants to revolutionize fashion

Gelman realized she needed a space like The Wing while working a job that always had her on the go. Instead of changing outfits for events and meetings in "random bathrooms around the city," she envisioned a space designed with her needs in mind.

The spacious bathrooms, showers, lockers, and beauty room provide women with a safe space to prep and primp for their day.

Kassan, the COO, saw an opportunity to create a community: "For me it's really about the community that can come out of this space. The original idea of having a space of convenience — but also creating a space that you can meet new women in."

It is midseason in the NFL, and that means it is time for what has become an underappreciated annual tradition in the NFL — the gorgeous photos produced at Dallas Cowboys home games thanks to the perfect lighting.

The conditions for the incredible photos are best when the Cowboys play a mid-season, late-afternoon home game. The low October or November sun, and a southwest-facing end zone that is covered in large windows, combine to produce a lighting effect inside the stadium that seems to spotlight specific players and give the field a warm glow.

Here are some of the best photos taken over the last three seasons by the Associated Press, Getty Images, and USA Today photographers.

The sun shines directly through the southwest windows during late-afternoon games in October and November.

The sunlight makes the playing area light up in a way not typically seen at a football game.

The most recent game was on Sunday against the Kansas City Chiefs.

• 24 of the largest US companies are sitting on $1.01 trillion in cash reserves —80% of which is held overseas.
• The GOP tax plan includes a provision to entice these companies to 'repatriate' this money. 

American companies are hoarding cash like crazy — but a huge chunk of that change isn't held in the US. 

The Republican tax reform bill, introduced last week, is designed to entice companies to move their overseas cash back to the US through a one-time repatriation tax.

Business Insider's Bob Bryan reports that the law would allow all overseas assets from US-owned companies to be repatriated and taxed at a one-time lower rate. While there is no precise number in the plan, officials have indicated the rate could end up somewhere around 10%.

In the second quarter of 2017, 24 of the largest American companies are holding on to a whopping $1.01 trillion in cash reserves, up 1.63% from the first quarter, according to analysis of second quarter earnings reports by Bank of America.

Of the $1.01 trillion, just over 80% is held outside the United States, with a hefty majority being in the form of corporate and treasury bonds. 

"Because about 70% of 2Q inflows were invested in corporate bonds we see no evidence yet that corporate investors are making their cash portfolios more liquid ahead of the possible repatriation of overseas cash as part of tax reform or on a stand-alone basis," writes the bank. 

Here's which US companies have the most cash on hand, how much of that is stored abroad, and how their stocks have performed so far this year: 

SEE ALSO: IT'S HERE: All the details of Trump's massive tax plan

17. Johnson & Johnson

Total cash: $12.9 billion

Overseas: N/A

Overseas as percentage of total: N/A

Stock performance this year: +15%

16. Procter & Gamble

Total cash: $15.1 billion

Overseas: N/A

Overseas as percentage of total: N/A

Stock performance this year: +10.11%

15. PepsiCo

Total cash: $17.2 billion

Overseas: $16.3 billion

Overseas as percentage of total: 94.8%

Stock performance this year: +12.96%

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.

Whether classified as commuter pants or athletic workwear, many brands have tried their hand at creating pants that are functional, yet formal.

Now, Bonobos, a brand that got its start with one pair of well-made pants, has an option that could quite possibly dominate the space entirely — the Tech Chino.

Designed to be ready for anything, the Bonobos Tech Chino features a sharp classic trouser look that's suitable for the office, with all the added bonuses of an athletic pant. 

Its breathable tech fabric is made up of cotton, polyamide, and elastane, and features 3XDry Advanced Moisture Management technology. The combination of material absorbs and wicks sweat away to keep you cool and dry. 

In addition to staying cool and dry all day, you'll be able to stay clean all day. The pants are water-, stain-, and dirt-repellent, so no matter what comes your way during your commute — puddles, spilled drinks, or other dirty encounters — the Tech Chinos will stay presentable and fresh.

Bonobos sent over Tech Chinos for all the guys on the Insider Picks team to try out, and we were all very pleased. Here's what we thought about them:

Amir Ismael, Insider Picks reporter:

Whether classified as commuter pants or athletic workwear, many brands have tried their hand at creating pants that are functional, yet formal and the Bonobos Tech Chinos are the best ones I've tried so far. My first impression was how much they look like traditional chino pants. While other brands are distinctly athletic and techy, Bonobos manages to pull off a classic look. They come pleated and the only technical feature that can be seen from the outside (as minor as it is) is a zippered right back pocket. On the inside, a drawstring is integrated into the waistband, which I actually appreciate. Generally, you'd just put a belt on to keep your pants up, but given the off chance you forget to wear one, you can rest assured that your pants will be comfortably secured.

I went with the navy color because that seemed to be the most versatile choice for switching between dressing formally and normal everyday wear. The pants come in three different fits — athletic, slim, and tailored. As a slim guy, I went with tailored, the slimmest option, and was very pleased with the fit. The material is lightweight and has a very slight amount of stretch. You won't feel like you're wearing Spandex; it's just the right amount for comfort. 

When I wore them, I had to try to out the water repellent feature, so I splashed some water on my pants. Sure enough, it brushed right off and my pants were dry. If you were to get caught in a light rain or accidentally spill a drink, you'd be able to keep your day going.

Even at $168, I see the Bonobos Tech Chinos as a great deal. You'll save money by having to buy fewer pairs of pants, and the dirt- and stain-repellent features will save you trips to the dry cleaners.

Breton Fischetti, senior director of Insider Picks:

Bonobos' entry into the athletic workwear space is one of the better executions I've come across so far. Their price point for these pants is in line with what you'd pay from some of the bigger stores and startups alike. The difficulty is always balancing the technical aspects of the material with the more formal nature of a work pant. For some reason, lots of companies want to make these items overly technical, which Bonobos manages to avoid. The only two real techy assets are the zippered back pocket on the right (which is actually useful) and the drawstring on the inside (which I don't see the point of, but is hardly taking away from the overall look of the pant). They're a nice weight for summer, but I wouldn't plan on wearing these deep into the winter.

The fit of these chinos, especially in the length, is essentially spot-on; and for being made of technical fabric, they look a whole lot more like chinos than shiny athletic material, which I appreciate. Every other time I've worn a technical-style piece of clothing at work people can tell right away, but not with these pants. I feel incredibly comfortable in these pants, which come in several fits depending on preference (I went with tailored, the slimmest) and they handled my bike ride to work better than jeans.

Spencer Lambert, Insider Picks intern:

I got to try the Tech Chino in black with a tailored fit. The first thing I noticed was the fabric — the pants' moisture-wicking technology make them feel more like athletic shorts than traditional work pants.

I didn’t go out of my way to test the water-, stain-, and dirt-repellent features because I wanted to see how they would hold up to a normal day of wear and tear. I find that stains can be super noticeable on black pants, mostly because they stick out in such contrast to the color, so I was interested to see how these held up. Naturally I got them dirty a couple of times throughout the day and the Tech Chinos separated themselves from traditional pants because the dirt rubbed off when brushed away rather than being further pushed into the fabric.

In my experience, Bonobos always sizes very nicely and these pants were no exception. The feature that I didn’t use, but know I will be grateful for is the zipper closure on one of the back pockets. I always stress about cards falling out of my pockets and this is a smart way to house your "too important to worry about" items. These pants are a great addition to an athletic workwear wardrobe as men’s formal dress moves in a more practical, mobile direction.

Buy the Bonobos Tech Chino now for $168. 

Check out the four colors available, below.

This article was originally published on 9/3/2017.

Grey

Buy the Bonobos Tech Chino in Grey now, $168

Black

Buy the Bonobos Tech Chino in Black now, $168

Navy

Buy the Bonobos Tech Chino in Navy now, $168

You don't need to learn an entire language when traveling abroad, but learning a few basic words will help you fit in and mingle with locals. In the very least, it shows some effort.

While there are often many ways to greet someone in each language, we found out how to say 'hello' in 25 different popular tourist destinations.

Keep scrolling to learn how to say 'hello' in 25 different languages.

Polish

"Czesc"

German

"Guten Tag"

Swedish

"Hej"

With Week 9 of the NFL season nearly in the books, it's time for another important waiver cycle in the world of fantasy football.

Week 9 wasn't a huge one for injuries, but we may see a few notable players miss time for other reasons. Two marquee wide receivers, A.J. Green and Mike Evans, had to be physically restrained from on-field altercations, while running back Carlos Hyde was ejected from his game in the afternoon wave. Suspensions could be on the way for any or all of them, so affected fantasy managers should act accordingly.

Most leagues are nearing the home stretch of the regular season, but there's still much to do before playoff time. Below, read up on 10 players you should consider adding to your roster.

Robert Woods, WR

Team: Los Angeles Rams

Week 9 stats: 70 receiving yards, 4 receptions, 2 touchdowns

One thing to know: Woods had a big game against the Giants' beleaguered secondary, catching a pair of touchdowns in a 51-17 beatdown. While some regression is inevitable, his Week 10 opponents, the Texans, haven't been particularly hard on No. 2 receivers this year. Quarterback Jared Goff looked sharper than ever coming off a bye, completing over 63% of his passes.

Corey Clement, RB

Team: Philadelphia Eagles

Week 9 stats: 51 rushing yards, 15 receiving yards, 1 reception, 3 touchdowns

One thing to know: This Wisconsin product wasn't used too much on Sunday, but he still delivered elite production thanks to a pair of goal-line touchdowns. Philadelphia's backfield got even more crowded with the addition of Jay Ajayi last week, but Clement may be the best receiver of the group. He's worth stashing for when the Eagles return in Week 11.

Matt Forte, RB

Team: New York Jets

Week 9 stats: 77 rushing yards, 19 receiving yards, 4 receptions, 2 touchdowns

One thing to know: Forte was a big reason for the Jets' season-best offensive performance last Thursday, posting his highest rushing total of the year while pulling in all four of his targets. He's been a solid PPR flex for four consecutive weeks now, so his 42% own rate (in Yahoo leagues) seems incredibly low. This week's matchup against Tampa Bay should be a productive one, but the Jets' schedule gets a lot tougher after their Week 11 bye.

• It's not always easy to discern innocent workplace behavior from sexual harassment.
• Sexual harassment can include unwelcome sexual advances, requests for sexual favors, and other verbal or physical harassment of a sexual nature, but it doesn't always.
• Use these subtle signs to to discern exactly what qualifies as sexual harassment.

Sexual harassment, especially when it's happening to you or around you, isn't always so clear-cut and obvious.

According to the Equal Employment Opportunity Commission, sexual harassment can include unwelcome sexual advances, requests for sexual favors, and other verbal or physical harassment of a sexual nature.

But it doesn't have to be of a sexual nature. Sexual harassment can also include offensive remarks about a person's sex.

And for the harassment to be considered unlawful, it has to be so frequent or severe that it creates a hostile or offensive work environment or results in an adverse employment decision, like the victim being fired or demoted.

While these parameters are helpful, it can be difficult when you're in such a situation to discern exactly what qualifies as sexual harassment.

When an issue is taken to court, for example, some courts determined that something is harassment using the standard of what a "reasonable person" would consider unwelcome and sexual, whereas other courts have used the standard of what a "reasonable woman" considers harassing when the victim is female, ABC News reports.

By these standards, sexual harassment is very much in the eye of the beholder.

As Daley Haggar, a comedy writer in Los Angeles, recently wrote in Lenny Letter, "Being sexually harassed by a sitcom writer is like being sexually harassed by your gynecologist. It can be hard to tell if the guy's being a pervert or just doing his job."

Of course, it's not just comedy writers who have a hard time discerning innocent workplace behavior from sexual harassment. The signs can be subtle. Which is why we've compiled some below:

SEE ALSO: Sexual harassment isn't an industry, workplace, or company issue — in fact, it affects nearly everyone

DON'T MISS: Gretchen Carlson says the way we handle sexual harassment 'gags' the women who confront it

You experience behavior of a sexual nature that makes you uncomfortable

Ellen Bravo, who directs Family Values @ Work, a network of state coalitions working for family-friendly policies, told Business Insider sexual comments or requests that you find unwanted or offensive and inappropriate touching are the first sign of sexual harassment.

Bravo, who has extensive experience writing and training on the subject of sexual harassment, including co-authoring "The 9 to 5 Guide to Combating Sexual Harassment" and authoring "Again and Again," a novel about date rape, said that this can include a number of scenarios.

For example, if someone:

· Stands too close and talks in an intimate way.

· Keeps looking at or commenting on your body in a way that makes you uncomfortable. There's a difference between saying "nice dress" and "that dress really shows off your curves."

· Asks you about your personal life, including your romantic or sexual experiences.

· Insists on talking about their own sexual experiences.

· Keeps trying to get you to meet alone outside of work.

· Shows you pornographic materials or tries to get you to talk about a sexually-charged movie or song or other such topic.

"The best guideline is the 'uh-oh' feeling," Bravo said. "You think the person knows they are making you uncomfortable and is enjoying that power over you."

You're unable to make it stop

"If you've tried various ways to say, 'I don't like this and don't want to participate, hear it, or be treated this way,' but the individual does not stop the behavior," Bravo says this is a clear indicator.

According to the EEOC, simple teasing, off-hand comments, or isolated incidents that are not very serious are not unlawful. But when it's become so chronic or severe that the behavior creates a hostile or offensive work environment or results in an adverse work event, that's unlawful.

You feel pressured to go along with it

"Either explicitly or implicitly, you feel you do not have permission to avoid or end the behavior," Bravo said. "You may be told that the harasser is a rainmaker and that you need to avoid him."

These classic books are worth reading at any age, but the more life experience you have, the more fulfilling you'll find them.

From New York Times bestsellers to cult classics, to stories with motivating life lessons, here are 20 books that everyone should read in their 30s, in no particular order.

"Americanah" by Chimamanda Ngozi Adichie

Amazon's Synopsis: "Ifemelu and Obinze are young and in love when they depart military-ruled Nigeria for the West. Beautiful, self-assured Ifemelu heads for America, where despite her academic success, she is forced to grapple with what it means to be black for the first time. Quiet, thoughtful Obinze had hoped to join her, but with post-9/11 America closed to him, he instead plunges into a dangerous, undocumented life in London. Fifteen years later, they reunite in a newly democratic Nigeria, and reignite their passion — for each other and for their homeland."

Buy it here.

"I'll Give You the Sun" by Jandy Nelson

Synopsis: "At first, Jude and her twin brother are NoahandJude; inseparable. Noah draws constantly and is falling in love with the charismatic boy next door, while daredevil Jude wears red-red lipstick, cliff-dives, and does all the talking for both of them. 

Years later, they are barely speaking. Something has happened to change the twins in different yet equally devastating ways . . . but then Jude meets an intriguing, irresistible boy and a mysterious new mentor. 

The early years are Noah’s to tell; the later years are Jude’s. But they each have only half the story, and if they can only find their way back to one another, they’ll have a chance to remake their world."

Buy it here.

"The Immortal Life of Henrietta Lacks" by Rebecca Skloot

Synopsis: "Her name was Henrietta Lacks, but scientists know her as HeLa. She was a poor black tobacco farmer whose cells—taken without her knowledge in 1951—became one of the most important tools in medicine, vital for developing the polio vaccine, cloning, gene mapping, and more. Henrietta's cells have been bought and sold by the billions, yet she remains virtually unknown, and her family can't afford health insurance. This phenomenal New York Times bestseller tells a riveting story of the collision between ethics, race, and medicine; of scientific discovery and faith healing; and of a daughter consumed with questions about the mother she never knew."

Buy it here.

• Black Friday is one of the busiest shopping days of the year, but it wasn't always such a widespread event.
• Before it became about massive crowds and insane sales, the day after Thanksgiving was popular among shoppers in New York because of advertisements posted during the Macy's Thanksgiving Day Parade.
• Black Friday has since evolved into its own holiday — and people either love it or hate it.

Most people spend Thanksgiving at home, enjoying time with family and friends, indulging in a big meal, and maybe taking a nap. So, what's a better way to spend the day after a relaxing Thanksgiving than waking up at the crack of dawn to brave massive crowds at superstores? That's Black Friday, in a nutshell. 

Today, Black Friday is one of the most popular shopping days of the year, but the unofficial shopping holiday dates back much farther than you might think. The day after Thanksgiving first became popular for shoppers in the late 1920s, when Macy's advertised holiday sales during its annual Thanksgiving Day Parade in New York. From there, the holiday evolved into the bargain hunter's dream that it is today.

Keep reading for the full history of Black Friday in the US. 

Black Friday is arguably the most famous shopping day of the year in the US. Today, the day after Thanksgiving is known for massive crowds and insane deals, although it started out much smaller.

The first major post-Thanksgiving Day shopping advertisements came from Macy's department store during their annual Thanksgiving Day Parade, which began in 1924. The name "Black Friday" wouldn't come along until decades later.

Source: TIME

By the 1930s, the day after Thanksgiving was a popular shopping day, although the Great Depression dramatically slowed the retail industry in general.

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.

A good gadget solves a problem, but solving a problem isn’t the same as making your life easier.

A fitness tracker might help you live healthier, but being constantly reminded to move isn’t very relaxing. A drone might help you take awesome photos, but you have to not crash it. A smartphone might let you communicate with anyone in the world, but social media exists.

Below we’ve rounded up a few gadgets that can add to your day, but don’t demand much in return. Some are specific, some are general ideas, but none of them will wind up being Another Thing to Worry About. 

SEE ALSO: I've written about a bunch of great smart-home tech, but these are the gadgets I use every day — here's why

The Amazon Echo

As you’ve probably heard by now, the Echo Dot is one of the cheapest ways to start a smart home. Just call on Alexa, Amazon’s cloud-based virtual assistant, and the Echo can quickly start up a Spotify stream, call an Uber, control your smart lights, order a pizza, or follow a growing number of other quirky commands. It’s always listening, but it serves you, and it does so swiftly and accurately.

Echo Dot, $49.99 

A portable battery

The next time your phone dies before you could call that cab home, you’ll have wished you had a portable battery on you. We’ve recommended Anker’s PowerCore series before, and its PowerCore 10000 packs plenty of power in a compact, not-that-expensive package.   

Anker PowerCore 10000, $25.99

A wireless charger

The open secret about wireless chargers is that they’re not really wireless — a charging pad can’t produce power on its own, so you’ll have to plug it into a wall somewhere. Still, plopping your phone down on a pad and picking it up when it’s time to go is much smoother than making sure your microUSB cord is going in the right way for the hundredth time. Just make sure your phone uses the same wireless charging standard as the charger itself; CHOTECH's Qi charger here is a reliable choice for Qi-enabled phones like the Samsung Galaxy S8.

CHOETECH Qi Wireless Charger Pad, $15.99, available at Amazon

Athens-based architect Katerina Kamprani has created a collection of everyday objects that are intentionally designed to annoy you.

Titled "The Uncomfortable," Kamprani's project consists of simple household items that are impossible to use, like a thick knife or a twisted watering can. Her unique designs, which recently went viral on Reddit, are as fascinating as they are infuriating.

Take a closer look at her project and the internet's hilarious reactions below.

Kamprani first started making conceptual 3D visualizations before creating prototypes like the one below.

"The first prototypes were made by Jung Von Matt for a mailing ad campaign in 2015," Kamprani told INSIDER.

Each prototype is designed to deconstruct the "invisible design language" of a common household object.

As Kamprani explained, every object has a "user guide" implicitly built into its design — "little clues that tell us how [it] should be approached and used."

She continued: "For example, there are so many different handles that can be pulled or pushed or turned. Usually, once we see an object with a handle, we know what to do because we recognize familiar forms that we have used before."

"My goal since I started The Uncomfortable has been to break this design apart and understand what makes it so important," the architect told INSIDER.

• Towns all over the US celebrate the holidays differently.
• Bethlehem, Pennsylvania, hosts a German-inspired Christmas market every year.
• Dana Point, California, celebrates the holidays with a parade of decorated boats in its local harbor.

Towns all over the US have different ways of celebrating the holidays. From snow-covered towns with elaborate light displays in the Northeast to parades featuring festively decorated boats in southern California, there's no wrong way to celebrate.

European-inspired Christmas markets, tree lightings, and parades are among the most popular traditions in towns from coast to coast. Keep reading for 15 of the most festive small towns in the US.

Frankenmuth, Michigan, has one of the largest Christmas-themed stores in the country.

Frankenmuth, also known as Michigan's Little Bavaria, is one of the coziest places to spend the holidays. The town's architecture will make you feel as if you've been transported to Europe — and it's even better when it's covered in snow.

The town is home to Bronner's Christmas Wonderland, which calls itself the world's largest Christmas store. There you'll find pretty much any holiday-related item you can think of, since the store has over 50,000 gifts. 

Leavenworth, Washington, has amazing Christmas lights.

Leavenworth is a small Bavarian-inspired town in Washington's Cascade Mountains. The charming downtown is decked out in lights and other decorations during the holiday season.

The holiday fun and the town's Christmas market begin the weekend of Thanksgiving and lasts through Christmas so there's plenty of time to enjoy all that Leavenworth has to offer. 

Solvang, California, throws a holiday-themed parade every year.

Solvang, California, is an adorable Danish-inspired village located in the Santa Ynez Valley, up the coast from Santa Barbara. 

The town feels festive all year-round, although Solvang stands out during the holiday season. Starting December 1, the town hosts Julefest, a holiday celebration complete with a Christmas tree lighting, plenty of holiday shopping, and a parade.