Fall means the return of favorite shows and the premiere of potential new addictions. 

With countless series heading to networks and streaming services for the remainder of the year, INSIDER has come up with the 18 series we're most looking forward to watching. 

From returning favorites, including "American Vandal" and "Riverdale," to highly-anticipated premieres, like Netflix's "Chilling Adventures of Sabrina," here's what you should watch this fall. 

"Insecure" (HBO)

Season three premiere date: Currently airing

"Insecure" started with a strong premiere season back in 2016, and this show just keeps getting better. Starring Issa Rae as the lead character with the same first name, "Insecure" is hilarious, pointed, and beautifully shot. If you need a new comedy (with some fantastically staged drama) in your life, catch up on "Insecure" now and enjoy the third season as it airs each Sunday night on HBO. — Kim Renfro

"Better Call Saul" (AMC)

Season four premiere date: Monday, August 6 at 9 p.m.

If you're not watching the "Breaking Bad" spin-off, now's the time to play catch up. The prequel series is just as good — if not better than — the original. "Breaking Bad" creator Vince Gilligan and writer/director Peter Gould are behind the spin-off as we learn the tragic backstory of how Jimmy McGill (Bob Odenkirk) slowly transformed into unscrupulous lawyer Saul Goodman. A few other "Breaking Bad" favorites, including Mike Ehrmantraut (Jonathan Banks) and Gus Fring (Giancarlo Esposito), appear with more expected to pop up during the series' fourth season. — Kirsten Acuna

"American Horror Story: Apocalypse" (FX)

Season eight premiere date: Wednesday, September 12 at 10 p.m.

Creator Ryan Murphy confirmed in June that the eighth season of the anthology series will be a crossover between season one's "Murder House" and season four's "Coven." Joan Collins is joining the cast as the grandmother of Evan Peters, whose character will be a hairstylist. But we're most excited for scene-stealer Jessica Lange to return for the new season after leaving the series after four seasons. — Kirsten Acuna

Cruising can be one of the most relaxing and enjoyable vacations a family can plan. With meals, entertainment, activities, and housekeeping included in the cost of your room, there is virtually nothing to worry about.

The popularity of cruises continues to rise. In fact, the latest State of the Industry Report by Cruise Lines International Association (CLIA) estimates that 28 million passengers will cruise in 2018. This is up from 26.7 million in 2017 and 25.2 million in 2016.

But with CLIA’s report of nearly 450 cruise ships currently sailing worldwide, and the unpredictability of mother nature, not every passenger on a cruise ship will experience the vacation of their dreams. In fact, in some cases, cruising can be a downright nightmare.

Here are some of the most unfortunate incidents in recent history that have happened on cruises.

More than 500 passengers became ill on Royal Caribbean cruises within 2 months.

In January 2018, a spokesperson for Royal Caribbean Cruises announced that 47 passengers on The Grandeur of the Seas, which departed from Baltimore, reported symptoms of gastrointestinal illness. A cruise from Singapore to Australia had over 200 reported cases of illness, and 332 cases of illness were reported on a cruise from Florida.

50 staterooms were affected by a flood on a Carnival Cruise Line ship.

Nearly 100 passengers aboard a seven-day cruise on the Carnival Dream received a refund and 50% off of a future cruise after their staterooms and hallways were flooded.

Carnival Cruise Line provided a statement to INSIDER, which explained that the flooding was caused by a water line break in the fire suppression system of the cruise ship.

A crew member was killed during a lifeboat drill.

A cruise ship crewmember on Royal Caribbean’s Harmony of the Seas was killed in September 2016 during a lifeboat drill. He was sitting with four other crew members in a lifeboat when it disconnected from the ship and fell 33 feet from the deck into the water in Marseille, France.

September is quickly approaching, which can only mean one thing — summer is over. And with summer ending, it's the perfect time to get in all those last-minute warm weather activities you'll miss, like heading to your favorite amusement park.

If you really need a push, look no further than these sad photos of amusement parks during their off-season. They'll have you grabbing your friends and your car keys in no time — no one wants to admit that winter is right around the corner.

Keep scrolling to check out these 10 depressing photos of amusement parks during the winter.

We all associate going to an amusement park with hot summer days, ice cream, and cotton candy.

Even though sometimes, amusement parks don't always live up to expectations.

But what happens to them during the off-season?

New York has notoriously cold winters.

Amusement parks in states that actually experience winter — so no, not including Disney — may stay open, but it can look a little bleak.

Meghan Markle and Kate Middleton's style choices may be getting all of the attention lately, but Her Majesty Queen Elizabeth II has been a fashion icon for years now.

Her brightly colored neon ensembles are not only instantly recognizable, but also carefully chosen to ensure she can always be spotted by her adoring public. While her coats and dresses are always impeccable, there's one aspect of her outfits you've probably never noticed: her matching umbrellas.

That's right, the queen has a color-coordinated umbrella for all of her vibrant outfits, and it's the rainy day fashion inspiration we never knew we needed.

Here are some of her best umbrella color coordinating moments.

The queen turns to Fulton Umbrellas for all of her birdcage designs.

"Everything we produce for the queen is bespoke," Fulton Umbrella's CEO Nigel Fulton told Hello!"The specifications are slightly different and the colors are unique and they do not form part of our regular collection."

The tradition actually started with the Queen Mother, and Queen Elizabeth II has continued her knack for color coordination.

"It all began when The Queen Mother saw our Fulton Birdcage umbrella and thought its unique domed PVC cover would offer better protection, as well as allowing her to remain as visible as possible in even the wettest conditions," Fulton explains on its website.

Like the Queen Mother, she also opts for the clear birdcage design, as it allows her to remain visible to the public.

The colored trim adds a pop of color-coordination without obstructing the public's view.

Every globetrotter has a bucket list of must-travel destinations — but sometimes the hotel is the draw in and of itself.

Philippe Kjellgren, the founder of PK's List, knows this more than most.

Originally the founder of luxury hotel website Kiwi Collection, Swedish-born Kjellgren has written seven travel/hotel books, runs a travel advisory service for high-profile clients, as well as a newly-launched hotel app— and he's currently on an 800 day trip around the world to visit over 1,000 of the world’s best hotels across all seven continents.

He was flying from Tokyo to Sydney when he spoke to Business Insider, and says that he has so far visited "most of Africa, all of Asia" and is "now heading [to] the Pacific, then the Americas after that."

The goal? To visit the best hotels on the planet in person so that users of his app know every one has been personally vetted by him.

"I decided to travel for 800 days non-stop, for two and a half years, and I'm on day 400-and-something," he told Business Insider, adding that he's already been to most of the hotels in the past, but "had to go back and prove I've been there."

"I'm travelling the world visiting the hotels, proving it through social media, then adding them to the app," he said.

The app — which costs $99 per year — allows users to search for anywhere in the world and see which hotels Kjellgren personally recommends within their budget.

"You can press call or email and contact them directly," he said, adding that it's "all my research in your pocket."

Kjellgren said he grew up travelling, and had been to about 100 countries by the age of 25. Now, he says he's personally stayed in about 2,000 hotels in 139 countries.

After constantly being asked for advice, he decided to start a bespoke travel advisory service after leaving Kiwi Collection — where he is still a shareholder — a few years ago, and now caters to three tiers of business. The top tier is invitation-only for "ultra-high net worths" including royals, according to Kjellgren, who says they pay him a retainer to help with travel advice and work his connections and access.

He has a team in London and people "scattered all over the world"— and claims to have personal relationships with "about 3,000 general managers in about 130 countries."

Still, he says he's "not the type of person who only stays in super high-end hotels"— although he says "not every hotel is great."

We asked Kjellgren for his pick of the absolute best hotels on the planet that everyone should visit in their lifetime.

Scroll down to see his bucket list selection, ranked in ascending order by the starting cost per night.

Ice Hôtel, Sweden — from £124 per room, per night.

This is "the original Icehotel, located in Jukkasjärvi, Sweden — 200 km north of the Arctic Circle," according to Kjellgren. "This is a world famous hotel and an art exhibition made of ice and snow."

Taj Lake Palace, India — from £214 per room, per night.

"Voted the most romantic in the world, it’s the only hotel that’s on the lake and became world renowned when the James Bond film ‘Octopussy’ was filmed at it."

Dolder Grand, Switzerland — from £313 per room, per night.

"History and design perfectly merged in one, this very classic hotel [took] four years of renovation under the direction of famed British architect Lord Norman Foster," Kjellgren said.

• Coca-Colaannounced on Friday that it would buy British coffee-shop chain Costa Coffee for $5.1 billion.
• Analysts say the move is likely to have a major impact on Starbucks, especially as it looks to grow in China, a region that both coffee chains are looking to expand in to drive sales.
• Here's how the two chains compare.

Many Americans may have woken up on Friday morning to the news of Coca-Cola's latest acquisition and wondered what on earth Costa Coffee is. 

That could change soon. With a US multinational company behind it, the UK-headquartered coffee chain could be on a path to explosive growth around the world. 

So far, Costa Coffee has 3,882 stores in 32 countries. It's the UK's leading coffee chain, with 2,467 locations there alone, and it's not uncommon to spot a store on street corners, train stations, and gas stations around the country.

While analysts aren't expecting Costa Coffee to dethrone Starbucks in the US, they are expecting the new $5.1 billion deal with Coca-Cola to allow Costa Coffee to better compete in its international markets and allow the brand to break into the US with its ready-to-drink products in stores.

With this in mind, we decided to compare the two chains:

SEE ALSO: Coca-Cola just spent $5.1 billion on a massive British coffee chain, and it sets the scene for a battle with Starbucks

Both chains date back to 1971.

The first Starbucks store opened in 1971 in Seattle, the city that's home to its current headquarters.

Howard Schultz, the chain's former, longtime CEO and chairman emeritus, joined the company in 1982 before splitting off to launch his own company, Il Giornale. Schultz ended up acquiring Starbucks and taking the name for his own business.

Thousands of miles away, at around the same time, Italian brothers Bruno and Sergio were making their own coffee, which they sold to a handful of caterers in London for the first time in 1971. Several years later, in 1978, they opened their first Costa Coffee store in South London. 

The business was acquired by its current parent company, the restaurant and hotel business Whitbread, in 1995.

Schultz grew Starbucks into a giant, multinational company.

Over the course of the 1990s and early 2000s, Schultz grew the business into a massive organization, opening thousands of stores in the US and around the world.

By 2010, it had nearly 17,000 stores in total. Today, that figure has grown to over 28,000 stores worldwide, which generated $22.4 billion in total net revenues in 2017.

Costa Coffee's growth has been more modest. While it is currently the leading coffee chain in the UK with more than 2,400 stores, its reach beyond that lags behind Starbucks, especially in the US, where it has no presence at all.

In total, Costa Coffee has 3,882 stores in 32 countries. In the year ending March 2018, these locations generated about $1.7 billion in revenue. 

The two chains are eyeing global expansion.

As sales have lagged somewhat in their home markets, both Costa Coffee and Starbucks are looking at international expansion to drive growth. 

China is considered a key market here. According to GlobalData, retail sales of hot drinks in China alone will hit $34.2 billion by 2022, and hot-drinks volumes across all channels have more than doubled there in the past five years.

Starbucks, which is currently the leading chain with 2,800 locations in China, is aiming to double its store count to 6,000 locations and triple its revenues over the next five years. 

Starbucks CEO Kevin Johnson said in May that the company is looking to push "a coffee culture in China where the reward will be healthy, long-term, profitable growth for decades to come,"CNN Money reported.

Earlier this month, Starbucks also announced a deal with Chinese e-commerce giant Alibaba to expand its delivery services throughout the country. 

Meanwhile, Costa Coffee, the second-largest coffee chain in China with more than 400 locations, has its own expansion plans. 

In October 2017 Costa Coffee bought Yueda, a Chinese coffee chain with which it had operated a joint venture in China for more than a decade. Several months later, in April, Costa Coffee CEO Allison Brittain announced that the company was looking to spin off from its parent company, Whitbread, in order to facilitate its expansion plans, pointing to China as a key area for growth. 

"Costa will become a listed entity in its own right and the clear market leader in the out-of-home coffee market in the UK," Brittain, said in a statement at the time. It will be "well positioned to build further on its strong international foundations with growth expected in China and Costa Express."

It isn't always easy to carve out time for a vacation. 

The average American worker takes just eight days a year, according to 2015 figures from the US Department of Labor. 

That would have been unimaginable for a medieval peasant, who took anywhere from eight weeks to half the year off.

The short breaks mean that Americans are donating an average of $604 in work time to their employers every year in unused vacation time that can't be rolled over or paid out, according to a 2017 estimate from the US Travel Association.

Nearly half (49%) of American workers said they can't vacation because their workloads are too heavy, according to a 2016 survey from NPR, Harvard, and the Robert Wood Johnson Foundation. And 42% of those survey respondents said they felt they couldn't take all their paid vacation days because there weren't enough people to cover for them.

But there are some signs Americans are starting to change their ways: a 2018 report from the US Travel Association suggests that after two decades of declines in the number of vacation days workers took per year, employees who work more than 35 hours a week and receive paid time off are now starting to both earn and use up more allotted holiday time than they did a few years back. In 2017, vacationers spent an an extra half day away from their desks on average than they did in 2016, according to the report.

Although it can feel tough to get away from the office, we're likely not doing ourselves any favors by working ourselves into the ground. There are real, important benefits to a restful vacation. 

Here's what vacation can do for your body and your brain, according to research.

SEE ALSO: A Harvard doctor says it's harder than ever to lose weight right now — but there are 5 ways to do it well

The opposite of vacation — overwork — can lead to health problems. Researchers studied the work habits of more than 600,000 people in the US, UK, and Australia, and found that people who work more than 55 hours a week are 33% more likely to suffer a stroke and have a 13% greater risk of heart attack than those who work 35-40 hours weekly.

Source: The Lancet

Economists have even calculated the most productive and efficient schedules for factory workers, and found that working much more than 48 hours a week tends to make productivity plummet.

Economist John Pencavel from Stanford says that calculation would vary by a bit for other professions, though.

Clinical psychologist Deborah Mulhern told ABC that when you don't unwind and get away from "external stresses" (like a heavy workload), it gets harder for your body to relax.

"What neuroscience is showing is that we require down time in order for our bodies to go through the process of restoration," she told ABC News. "Without time and opportunity to do this, the neural connections that produce feelings of calm and peacefulness become weaker, making it actually more difficult to shift into less-stressed modes."

When I got married, I wanted to capture every moment of our wedding week.

Not only the "Say cheese!" moments outside restaurants with our families, or the posed portraits with my now-husband. I wanted the silly, unexpected, and sometimes hopelessly romantic photos that a photojournalist's candid camera can often bring.

So, I recently purchased two pairs of Spectacles 2, the second generation of Snap's camera glasses, so I could record 10-second videos of what I was seeing. My husband and I wore them every day of our intimate wedding week in Maine. Here's my review.

Dave Smith and Avery Hartmans contributed reporting.

SEE ALSO: 20 million people are gathering on Houseparty, a group video-chat app popular with teens

Spectacles are sunglasses that record the world as you see it.

They work by pressing a button to record a 10-second video.

These "his and hers" pairs were a gift for my fiancé before our wedding.

• With dozens of flights a day operated by several major airlines, the New York–London route is a fiercely competitive one.
• American Airlines and British Airways operate a trans-Atlantic joint venture, and together offer the most flights a day between the two cities.
• I recently flew a round-trip with one flight operated by American Airlines, and one by British Airways. Here's how they compared.

American Airlines and British Airways have been relatively tight-knit partners since at least 1999, when the Oneworld airline alliance launched.

They became even more intertwined in 2010 when they formed a trans-Atlantic joint venture — along with fellow Oneworld member and Spanish flag carrier Iberia. Unlike alliance or code-share partners, joint venture partners collaborate to set routes and prices, and operate specific routes together as one business with immunity from anti-trust regulations.

Effects of the joint venture are seen more clearly on the high-demand New York City — London route than almost anywhere else. Flown dozens of times a day by at least seven different airlines, the route is a competitive one, attracting both cost-saving leisure travelers looking for the most cost-effective way to fly families across the Atlantic, and business travelers who book high-cost last-minute tickets for urgent meetings and conferences.

However, despite competition from other airlines flying the busy New York–London route, the American Airlines and British Airways joint venture dominates, partly because of the number of flights they operate on the route — about 15 on an average weekday, which is more than any competing airline offers.

The joint venture is tight-knit and seamless enough that when you search for flights on one of the airlines' websites, results from both airlines appear, indistinguishable from each other aside from a tiny note staying that the flight is operated by the partner. That's how my wife and I ended up with an outbound flight operated by American Airlines, and a return flight on British Airways metal. I bought the tickets through British Airways during a sale.

Not only did we fly a leg on each airline — we had a chance to fly the same exact type of plane, a Boeing 777-200. Although I usually fly between New York and the UK once a year or so, I hadn't flown a long-haul American Airlines flight in economy in a while, and my last flight on British Airways, which was a few years ago, was on a different type of plane — a 747-400. So, I was curious to see how the experiences compared.

While both the American Airlines day-time flight to Heathrow, and the British Airways afternoon flight out of London Gatwick were pleasant, here's how they compared in a direct head-to-head.

SEE ALSO: Airlines are using these 5 planes to replace the Boeing 747 jumbo jet

Check in: American Airlines

Check-in for American Airlines was so fast that I forgot to take a photo. Admittedly, the morning flight wasn't the busiest time for American's international routes, although plenty of domestic flights leave from JFK's terminal 8 throughout the day.

After we got our boarding passes and dropped off our bags, we ended up stuck behind a (surprisingly large) Cathay Pacific crew at security. We also had TSA PreCheck, which sped the process up.

Check-in: British Airways

British Airways at Gatwick was...less speedy. There were only two agents working for the entire economy queue, and even if you checked in online, you still needed to have your passport inspected at the desk. It took us 45 minutes to get to the end of the line, and security added another 10 minutes or so before we reached the main terminal.

I've had better experiences at Heathrow, which is more of a hub for international business travelers than Gatwick, but the whole process here was jarringly inefficient.

Check-in winner: American Airlines

Lounge experience: American Airlines at JFK

International first and business class passengers flying American have access to new flagship lounges and dining options at certain airports. But even if you're flying coach, you can access the Admiral's Club lounges by holding a membership, certain credit cards, or high-level elite status. We enjoyed complimentary coffee, breakfast, and comfortable reclined seats overlooking the tarmac.

The lounge was only sparsely filled, likely because most of American's long-haul flights depart later in the day. This particular lounge, in JFK Terminal 8's B-concourse, is set to close in September, so that the Flagship lounge can expand. There will still be a regular Admirals Club in the B-concourse, though.

• The 10th generation Honda Accord is all-new for the 2018 model year. 
• Earlier this year, Honda dropped off a 2018 Honda Accord 2.0T Sport in San Marino Red for Business Insider to evaluate.
• We were impressed by the Accord's new infotainment system, interior design, and powerful turbocharged engine.
• The base 2018 Honda Accord starts at $23,570 while our mid-tier Sport model starts at $25,780. The top-spec Touring starts at $33,800.

The Honda Accord has long been a major player the in the midsize sedan market. Since 1976, Americans have purchased more than 13 million Accords.

Even though sales of passengers cars, in general, have fallen considerably over the past few years, the Accord and its rivals from Toyota, Nissan, Hyundai, and others remain strong sellers. 

Through July, Honda has sold more than 163,000 Accords in the US, making it the second best selling car in the midsize segment. 

For the 2018 model year, Honda rolled out a brand new 10 generation Accord. 

After a decade in the wind, Honda's passenger cars have been resurgent in recent years. The Japanese automaker absolutely nailed the current 10th generation Civic back in 2016.

And Honda looks to return the Accord to its former glory after earning mixed reviews for its eighth and ninth generation models. 

Earlier this year, Honda dropped off a 2018 Honda Accord 2.0T Sport in San Marino Red for Business Insider to evaluate. And it certainly didn't disappoint. 

We came away impressed by the Accord's new infotainment system, interior design, and powerful turbocharged engine. 

Our Marysville, Ohio-built Accord test car was an absolute blast to drive. Especially considering the fact that, at its heart, it is a sensible family sedan. The 252 horsepower, 2.0-liter turbocharged four-cylinder engine, and six-speed manual transmission delivered strong acceleration off the line and silky smooth power while cruising. 

The base 2018 Accord LX starts at $23,570, while the top-of-the-line Touring model starts at $33,800.

Our mid-grade Sport model starts at $25,780, but fees and the optional 2.0-liter engine pushed the as-tested price up to $31,200.

The 2018 Honda Accord is available with an impressive mix of luxury, tech, and safety features. Here's a look at its coolest features:

SEE ALSO: We drove a $54,000 Audi A4 and a $46,000 Acura TLX to see which luxury sedan we liked better — here's the verdict

FOLLOW US: On Facebook for more car and transportation content!

1. Turbo power!: You can have any engine you want in a Honda Accord as long as its a turbocharged four-cylinder. The base engine is a 192 horsepower, 1.5-liter unit while our test got the upgraded 252 horsepower, 2.0-liter motor. We simply love the smoothness and eagerness of the turbo four. Not only does it deliver reliable horsepower, it also makes the daily commute a bit more fun.

2. Six on the floor: Manual transmissions are a rarity these days, especially on family sedans. The Accord's six-speed sets it apart from the masses of automatics and CVTs. Even though we found the clutch to be a bit vague and the shifter a tad rubbery, we still loved the fact it's still in Honda's lineup. Kudos Honda!

3. Honda's new infotainment system: Our Accord came with an eight-inch touchscreen running Honda's updated infotainment system. The system is quick to respond and is crisply rendered.

Europe's biggest tech show of the year is underway, which means gadget makers from across the globe have unveiled some of their coolest products of the year. 

IFA — or Internationale Funkausstellung Berlin — takes place at the end of each summer, and is one of the world's largest consumer electronics shows. This year, tech companies ranging from Lenovo to Sennheiser to Bang & Olufsen are presenting cool new products like dual-screen laptops, wireless earbuds, and even a speaker that looks like a free-standing wheel. 

Google even joined in this year, unveiling the latest version of its Wear OS smartwatch operating system, which becomes available this fall. 

While IFA is still underway — it doesn't officially end until September 5 — there have already been plenty of exciting new products announced. 

Take a look at seven of the coolest gadgets announced at IFA 2018 so far: 

SEE ALSO: Google just redesigned its smartwatch operating system, Wear OS — here's everything that's new

1. TCL introduced a new, cheaper BlackBerry smartphone called the Key2 LE.

TCL — the Chinese electronics company that manufactures BlackBerry phones — announced on Thursday the BlackBerry Key2 LE, a cheaper version of the high-end BlackBerry Key2 it announced earlier this summer.

The new device is almost identical to the BlackBerry Key2, with a few key differences: a lightweight frame, decreased battery life, and a slightly less powerful camera.

The BlackBerry Key2 LE comes in three colors — slate, atomic, and champagne — and starts at $400. 

2. Sony's new waterproof speaker has a strobe light and Google Assistant.

Anyone looking for a durable, portable speaker has a new option with the Sony SRS-XB501G. 

The new speaker, which Sony debuted at IFA, is water-resistant and dustproof. It has multicolored lights, extra bass, and a flashing strobe, and Sony says it can get up to 16 hours of battery life. Plus, it has Google Assistant built-in. Altogether, it might be the perfect party speaker. 

The new Sony speaker will cost $300 and will be available in October. 

3. Bang & Olufsen unveiled the Beosound Edge, a $3,770 rolling speaker.

Danish audio brand Bang & Olufsen launched a brand-new speaker at IFA — and it has a curious shape and size. 

The speaker, called the Beosound Edge, looks like a giant, hyper-minimalist wheel. You can either rest it upright in a room, or hang it on a wall, and it has a few neat tricks built in: It senses when you're close to it and lights up, and rolling it forward or backward will adjust the volume. 

The Beosound Edge comes with AirPlay 2, Chromecast 2, and Bluetooth, and works with voice assistants like Alexa and Google Assistant. 

The number of Americans renouncing their citizenship has grown significantly over the past few years, hitting a record high of 5,411 in 2016. Renunciations fell slightly last year, though there were still nearly 1,000 more than in 2015. 

Americans may choose to renounce their citizenship for a variety of reasons: High taxes (the US is one of the few countries that taxes citizens based on worldwide income), family circumstances, and legal complications are just some of the explanations.

The process of renouncing US citizenship can be complex and expensive.  Here's how to do it:

SEE ALSO: Here's The Law That's Driving Record Numbers Of Americans To Renounce Their Citizenship

SEE ALSO: Why a record number of Americans are giving up their citizenship

Make sure you have a second nationality before you renounce.

If you are not a citizen of another country, it is possible for you to become stateless after renouncing, which means you won't be protected by any government. Stateless people can have significant trouble owning property, working, receiving medical help, and attending school.

A US Consulate can deny your request to renounce your citizenship if you don't already have a second passport or another nationality. 

Schedule appointments with an embassy or consulate abroad.

If you want to renounce, you'll need to schedule multiple appointments with a US embassy or consulate in another country. 

Ideally, you can attend these meetings in the same country where you intend to live, but you're allowed to go to any US embassy or consulate as long as your stay in that country is legal.

Consulates require you to show up with your US birth certificate and, if you own one, a certificate of naturalization from the country where you will be living.

Meet with diplomatic officials to discuss your case and sign documents.

Before the first appointment, you'll need to fill out and sign the DS-4079 questionnaire, which is used to request the loss of US citizenship

Diplomatic officials use the first interview to ensure that you aren't renouncing your citizenship under duress. The second appointment includes reading an oath in which you state your desire to renounce citizenship.

Your documents are then sent to the US State Department, which reviews the paperwork and makes a decision on your case in about one or two months. You will receive your Certificate of Loss of Nationality afterward. 

• If President Donald Trump refuses to sit for a voluntary interview, the special counsel Robert Mueller could serve him with a grand jury subpoena.
• Three previous presidents, Thomas Jefferson, Richard Nixon, and Bill Clinton, were served with subpoenas while in office.
• Here's what those presidents did, and what a legal expert says could happen if Trump resists a subpoena.

Three previous US presidents, Thomas Jefferson, Richard Nixon, and Bill Clinton, were served with subpoenas while in office, and President Donald Trump could be the fourth.

For months, negotiations have dragged on between the special counsel Robert Mueller and lawyers for President Donald Trump to set the terms for a possible voluntary interview with Trump. Mueller is investigating Russian interference in the 2016 election, the Trump campaign's potential role in it, and whether Trump has obstructed justice during the probe.

There are a lot of questions Mueller is trying to answer that only Trump has the answer to.

In May, the Washington Post reported that during a March negotiation, Mueller threatened to subpoena Trump to testify before a grand jury if he did not agree to a voluntary interview. In July, Trump's team reportedly rejected Mueller's terms for the interview, maintaining they did not want the president to be questioned about potential obstruction of justice.

Legally speaking, a subpoena is a binding court order to provide evidence or testimony in a criminal case. For private citizens, failing to comply with one usually means being held in contempt of court. But the Supreme Court has not yet ruled on whether a president can legally refuse a court order to testify before a grand jury.

Trump's lead attorney Rudy Giuliani recently told Business Insider's Allan Smith that he plans to fight a potential grand jury subpoena "all the way to the Supreme Court." If the high court rules against the president and he still refuses to comply, it's anyone guess as to what could happen.

Here's what past presidents did when they were subpoenaed, and what legal experts say could happen with Trump.

SEE ALSO: Rudy Giuliani reveals how Trump's legal team plans to fight a Mueller subpoena all the way up to the Supreme Court

DON'T MISS: Rudy Giuliani says he doesn't want Trump to get stuck in a perjury trap in an interview with Mueller because 'Truth isn't truth'

Thomas Jefferson was subpoenaed in 1807.

Jefferson became the first sitting president to be subpoenaed in 1807 in the trial of his Vice President Aaron Burr, who was accused of committing treason by planning a military invasion of Mexico.

In granting the prosecution's request to subpoena Jefferson to testify in court, then-trial judge and future Supreme Court Justice John Marshall wrote, "it is not known ever to have been doubted but that the chief magistrate of a state might be served with a subpoena."

Jefferson failed to comply with the subpoena and did not appear in court, citing a logistical inability to travel from Washington, DC to the location of the trial of Richmond, Virginia.

In a letter to one of prosecutors in the case, he wrote that his absence from the White House to testify  “would leave the nation without an executive branch."

He did, however, produce certain documents requested by the court, and offered to be questioned in Washington. His lack of compliance with the order to testify in Richmond was never legally challenged.

Source: The New York Times

Richard Nixon was subpoenaed in 1974.

In 1973, Nixon was served with a federal subpoena to provide a trove of tapes and other materials relating to former White House staff who had been indicted in the Watergate scandal.

The president was listed as un-indicted co-conspirator in the grand jury indictment of the six people charged as part of Watergate, and the House of Representatives had begun impeachment proceedings.

Nixon's lawyer challenged the constitutionality of the subpoena, citing the executive privileges laid out in Article II of the US constitution. The matter went all the way up to the US Supreme Court, and resulted in a landmark case, US v. Nixon.

In a 8-0 decision, the court, led by Chief Justice Warren Burger, ruled against Nixon, ordering him to turn over the tapes and setting crucial legal precedent. Notably, Nixon was able to bring his case directly to the court without first being held in contempt.

The majority opinion acknowledged the existence of executive privilege, but dismissed the concept that the president is entitled to "absolute, unqualified Presidential privilege of immunity from judicial process under all circumstances."

Sixteen days after the court's decision, Nixon resigned from office before the issue of whether a sitting president could be compelled to testify before a grand jury could be tested in court.

Sources: Washington Post, Cornell Law School

Bill Clinton was subpoenaed in 1998.

In July 1998, independent counsel Ken Starr served Clinton with a subpoena to testify before a grand jury, as part of the Justice Department's investigation into his affair with White House intern Monica Lewinsky.

Clinton was already battling a civil suit from Paula Jones, an Arkansas state employee who accused him of sexual harassment. In the landmark case, Clinton v. Jones, in 1997, the Supreme Court ruled that presidents cannot claim immunity from civil litigation if the accusations were from before they took office.

The president struck a deal to testify voluntarily, prompting Starr to withdraw the subpoena.

On August 17, he gave four hours of testimony before a grand jury, and later delivered a televised address to the American people in which he admitted to his infidelity — and to his previous public lies about it, including his famous "I did not have sexual relations with that woman" speech.

"Indeed, I did have a relationship with Miss Lewinsky that was not appropriate," Clinton told the grand jury. "In fact, it was wrong. It constituted a critical lapse in judgment and a personal failure on my part for which I am solely and completely responsible."

The House of Representatives voted to impeach Clinton in December 1998 on charges of "high crimes and misdemeanors," specifically perjury and obstruction of justice. The Senate later acquitted him on both charges in January 1999.

Sources: Justia, Business Insider, TIME

2017 was a record year for natural disasters in the US, with 16 severe weather events causing at least $306 billion in damages. While 2018 portends to be less destructive, it has already seen its fair share of catastrophe: As of July 9, six storms have each generated at least $1 billion in losses.

To figure out what areas are least vulnerable to natural disaster in the future, we asked 11 climatologists where they would consider living to avoid climate change. All were quick to note that no area is entirely safe, but a few cities could be less vulnerable than most.

Scientists are still working to define the relationship between climate change and natural disasters. In the last ten to 15 years, they have found evidence of the mounting influence of climate change on major events like heat waves, droughts, and heavy rains. 

In fact, climate change may already be impacting where Americans choose to move. A recent study found that American homes that are vulnerable to rising sea levels sell for around 7% less than similar unexposed properties — even though the damage could be decades away. 

The following cities were recommended by climatologists as some of the least vulnerable to disaster. 

Tulsa, Oklahoma

Cities that are not currently in danger of flooding from sea level rise will be safe in the future, while places like Miami could see their flooding intensify, said Richard Alley, a climate science professor at Pennsylvania State University. Beyond that, Alley said, it's difficult to predict what may happen.

One city he does regard as safe from sea level rise is Tulsa, Oklahoma. At worst, he said, the global sea level could increase by 4 to 5 meters in the next 100 years if the West Antarctic Ice Sheet collapses rapidly. Even in this scenario, Tulsa is likely to remain standing. 

In addition to its locational advantage, Tulsa has gone to great lengths to protect itself from major flooding. Following a devastating storm in 1984, the city installed a number of detention ponds, which retain water in the wake of a storm, and paid to either transport or destroy around 1,000 homes that had been damaged. As a result, its flood insurance rates went from the highest in the nation to among the lowest.

Boulder, Colorado

Two of the top criteria for avoiding sea level rise are high elevation and location in the middle of the country, said Camilo Mora, an associate professor who researches biodiversity at the University of Hawaii. In the event of a disaster, Mora said residents should look for places where they can live self-sufficiently, with their own agricultural system and body of water that doesn't depend on melting ice.

While Mora didn't identify a city that meets each of these criteria, Boulder, Colorado seems to fit the bill. In addition to being seated far away from the coast, Boulder has an altitude of more than 5,300 feet, making it less vulnerable to a rise in sea level.

The city has also taken to carefully monitoring its water usage to account for changes in the weather. Even if the city expands to reach its limit, officials have found, it will own enough water rights to meet residents' demands through 2030. 

San Diego, California

San Diego may be exposed to rising sea levels, but its coastal location gives it a host of  advantages. According to research from Sarah Kapnick, a climate scientist at Princeton University, San Diego may have the most ideal weather of any US city.

After studying the number of "mild weather" days — those suited for outdoor activities, with low precipitation, low humidity, and temperatures between 64 and 86 degrees Fahrenheit — Kapnick found that US summers are becoming hotter and more humid. By the end of the century, she discovered, cities in West Virginia, Ohio, Indiana, Nevada, Arizona, Utah, and New Mexico could lose weeks of mild weather due to climate change. 

This wasn't the case in San Diego, which currently boasts 180 days of mild weather per year compared to 157 in Los Angeles, 83 in New York, and just 76 in Boston. In the future, the city could see even more pristine weather conditions.

Kapnick's study predicts that San Diego will gain three mild days per year by the end of the century. Perhaps the main concern for San Diego is a loss of precipitation, which can contribute to wildfires. That's a major worry, but one that nearly all California cities will have to face. 

As Tesla announces new, sometimes limited-edition 'lifestyle' products, like the wireless phone charger it unveiled on Tuesday, it's become clear that the electric car company is hoping to make some additional revenue through the brand itself. 

Earlier this summer, Tesla released 200 limited-edition surfboards, priced at $1,500, which sold out in just one day. The carbon fiber surfboards featured the same paint used on Tesla's cars, in a similar livery. The wireless chargers sold out within a day as well, and Tesla said they use "the same design language used in our energy products, like Powerwall." 

Whether you think of it as "brand leveraging," or just old-fashioned merchandising, the fact is that Tesla is lucky enough to have customers who like the company so much they're eager to buy any number of widgets with its name on it.

Here are all the creative ways Tesla is using its strong brand to give its customers new products and experiences:

SEE ALSO: The 20 best smartphones in the world

The $65 wireless smartphone charger quickly sold out even though there are other wireless chargers available that offer more bang for the buck.

Tesla sells some other phone chargers as well. The Powerbank is a portable charger, and the Desktop Supercharger is modeled after a Tesla car charger.

Your kids can have a Tesla of their own, before they're old enough to drive.

The Model S for Kids is made for Tesla by Radio Flyer.

• Bill Gates, the world's second-richest person, has an estimated net worth of $95.7 billion, according to Forbes.
• While he indulges in a few luxuries, they only make up a fraction of his fortune.
• He mainly spends his billions on charity through the Bill and Melinda Gates Foundation, and plans to give away most of his fortune.

Bill Gates, cofounder of Microsoft, is the world's second-richest person, sitting on an estimated net worth of $95.7 billion, according to Forbes.

It's hard to imagine what to do with that amount of money, but Gates knows how to make the most of it. While he has some indulgences — like a Washington estate worth $125 million, a private airplane, and a luxury car collection — they only make up a fraction of his massive fortune.

He and wife Melinda previously said it's unfair they're so rich. Instead of spending billions on themselves, they often donate it to charity through the Bill and Melinda Gates Foundation. They've also pledged to give away most of their fortune through the Giving Pledge, which they launched in 2010.

See how Gates spends his billions.

SEE ALSO: We did the math to calculate exactly how much money billionaires and celebrities like Jeff Bezos and Kylie Jenner make an hour

DON'T MISS: Beyoncé is worth $355 million — see how she spends it on lavish mansions, yachting vacations, and a private jet for Jay-Z

Bill Gates, cofounder of Microsoft, currently has an estimated net worth of $95.7 billion, making him the second-richest person in the world.

Source: Forbes

He has invested in a variety of stocks and assets and launched a $1 billion investment fund, Breakthrough Energy, with 20 others.

Source: Forbes

Despite his massive fortune, Gates previously told Ellen DeGeneres that when he became a billionaire at age 31 (history's youngest billionaire at the time), he didn't go on a spending spree.

Source: Business Insider

The NBA has practically become a 12-month league, but it seems fair to say that the dust has finally settled.

This summer had a few huge moves, with LeBron James and Kawhi Leonard trading conferences, Carmelo Anthony changing teams, and the Warriors somehow landing the best center on the market.

Despite all of that, many teams stood pat, bracing for what should be a huge offseason next year, when the salary cap rises, and half the league will become free agents.

With training camp just weeks away (really!) we looked back at the summer and analyzed where each team stands heading into the 2018-19 season.

30. Atlanta Hawks

2017-18 record: 24-58, last in East

Biggest offseason additions: Drafted Trae Young, traded for Jeremy Lin, hired head coach Lloyd Pierce

Biggest offseason losses: Dennis Schroeder, head coach Mike Budenholzer

One thing to know: The Hawks made the surprising move of the draft by trading Luka Doncic to the Dallas Mavericks for Trae Young while acquiring a 2019 first-round pick. A lot is now riding on Young, who many suspect GM Travis Schlenk took to be the next Stephen Curry. No pressure, Trae.

29. Sacramento Kings

2017-18 record: 27-55, 12th in West

Biggest offseason additions: Drafted Marvin Bagley III, traded for Ben McLemore, signed Nemanja Bjelica

Biggest offseason losses: Vince Carter, Garrett Temple

One thing to know: The Kings have a plethora of young, intriguing players. Now it's a matter of seeing which ones stick. Rookie big man Marvin Bagley III lost some luster heading into the draft, but he figures to help the Kings on the offensive end this season.

28. Brooklyn Nets

2017-18 record: 28-54, 12th in East

Biggest offseason additions: Traded for Kenneth Faried, traded for Jared Dudley, signed Ed Davis

Biggest offseason losses: Jeremy Lin, Timofey Mozgov

One thing to know: The disastrous Nets-Celtics trade is finally in their rearview mirror, and the Nets can reap the benefits of losing, now that they have their own draft pick. On the horizon is a large amount of cap space in a big free-agent class.

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.

• Online courses pose an opportunity for cheap, impactful learning.
• CreativeLive is the go-to site for creatives with more than 1,500 classes taught by 650+ industry-leading experts.
• Classes are as low as $20, and you can buy and own them for forever — just in case you one day need a refresher.
• Below are 15 of the site's best-selling courses.

Online classes have become increasingly popular in the last few years — and for many good reasons.

They’re cheap, impactful, and a step towards a better career and/or personal life that you can begin almost instantaneously. You can take courses from Ivy Leagues at a fraction of the cost of attending, tailor a resume for new job opportunities or a shifting industry without heading back to a college campus, or skirt an existential crisis by learning a new skill at any point in your life.

In other words, online classes provide meaningful access to affordable education — you just have to commit to showing up (or, rather, logging on).

There are a plethora of computer and business classes on sites like Udemy, Coursera, LinkedIn Learning, and EdX, but creatives may find the most appealing classes at CreativeLive. The site houses over 1,500 classes taught by 650+ industry-leading experts. The community includes over 10 million students, and each class falls under one of five categories: photo and video, art and design, music and audio, craft and maker, or money and life. Ultimately, the classes are centered around making creativity a habit, be it for personal or professional use. 

You can watch on-air broadcasts for free on five channels for 24-hours a day, or you can buy a class and own it for life with the option to watch, rewind, and access bonus materials whenever. This is particularly great for anyone looking to develop a hobby, since you may fall out of consistent practice and want to pick it up again later on. As a whole, the site adds structure, insight, and timetables to an industry that can feel obscure and opaque to beginners as well as walk-throughs of new advancements for veterans.

If you're looking for a way to develop a creative habit, add some industry know-how, or expand a creative business (many of which rely heavily upon the individual), then CreativeLive may be a tool worth considering. 

Below are 15 of the most popular courses among CreativeLive students:

Descriptions provided by CreativeLive and edited for length.

Pricing and Sales for Photographers

Pricing and Sales for Photographers, $64 (originally $129)

In order to make money as a photographer, you have to know how to price, package, and sell your work. In this 3-day course, small business owner and award-winning photographer Julia Kelleher will teach you how to create a strategic sales system — without relying on over-the-top, hard-selling sales techniques.

Speedlights 101

Speedlights 101, $64 (originally $129)

Fundamentals of Photography

Fundamentals of Photography, $99 (originally $199)

As a photographer, you will need to master the technical basics of the camera and form an understanding of the kind of equipment you need. The Fundamentals of Digital Photography will also teach something even more important (and crucial for success) - how to bring your creative vision to fruition.

Taught by seasoned photographer John Greengo, the Fundamentals of Digital Photography places emphasis on quality visuals and experiential learning. In this course, you’ll learn:

• How to bring together the elements of manual mode to create an evocative image: shutter speed, aperture, and image composition.
• How to choose the right gear, and develop efficient workflow.
• How to recognize and take advantage of beautiful natural light.

• Labor Day is Monday — which means some workers in the US will be getting a day off of work.
• Business Insider reached out to three experts to get a sense of some pitfalls to avoid during long weekends.
• They recommended protecting and being intentional with your time off.

Labor Day is on Monday, so people across the US will be getting an extra day off to relax and recharge.

We already know what successful people will be doing over the long weekend.

But equally importantly, what mistakes should we watch out for and avoid? After all, you don't want your free time go down the drain.

With that in mind, let's discuss some behaviors to avoid. Here are 11 things unsuccessful people do over long weekends:

SEE ALSO: 11 things unsuccessful people do over the weekend

DON'T MISS: 14 things successful people do over 3-day weekends

1. They neglect their loved ones

"A three-day weekend lets you schedule this critical quality time," said Lynn Taylor, a national workplace expert and the author of "Tame Your Terrible Office Tyrant: How to Manage Childish Boss Behavior and Thrive in Your Job."

That being said, spending a long weekend getting away from everyone isn't necessarily a bad thing.

But unsuccessful individuals don't avoid people because they're mindfully trying to unwind — they do it because something's holding them back from connecting.

2. They stress out

We all need to rest and recharge our batteries from time to time. Unsuccessful people are unable to do this, even over long weekends. This leads to misery during a time that should be filled with relaxation and happiness.

3. They spend a ton of money (needlessly)

You don't want to blow all your cash right before the holidays.

Unsuccessful people don't know how to control themselves over long weekends and may end up with empty wallets as a result. Squeezing too many impulse purchases into such a short amount of time is a really bad idea.

If you're looking to have a ton of fun on a budget, consider a staycation or just carefully budgeting your fun in the sun.

• Thomas Minter, 33, lived and worked abroad for over three years before relocating to the Bay Area and buying a small, one-bedroom condo.
• By increasing revenue streams, Thomas is on a mission to reach financial freedom before he turns 40. He writes about this journey on his blog, City for Millennials.
• For Business Insider's "Real Money" series, Thomas shares how he spent his money during a week in August.
• Want to share a week of your spending? Email your money@businessinsider.com.

I knew moving to the San Francisco Bay Area was going to be expensive. I was prepared...or so I thought.

My 20s were a decade of adventure, risk taking, and good fortune. During my last semester of graduate school, I applied for a job with this description:

"Must feel comfortable working long days in remote areas of the world. May work from helicopters, on boats, or walk many miles by foot. This position will require extensive travel, sometimes with only 24-hours notice."

I got the job, and two weeks later, I was on a plane to Haiti, where I spent the next few months supporting a USAID earthquake response effort.

Later that year, the Deepwater Horizon Oil Spill occurred. I flew back to the US, and hopped on an airboat for a year. Saudi Arabia was next. Three years in-country, working on a large scale marsh restoration program.

I loved the adventure. I also loved the cash flow and tax minimization that came with living and working abroad.

During this time, I prepared my personal finances for an eventual move back to my home state of California. $80,000 of student loans eliminated. $75,000 invested. $30,000 home equity. $25,000 cash.

At 29, I felt financially ready to plant roots in the Bay Area. Boy, was I in for a surprise.

As mentioned, I knew the cost of living would be high. But, if I had known the magnitude, I may have done a few things differently.

I soon learned that the average income needed to afford a median-priced home in the San Francisco Bay Area is $187,000 ($334,000 in the city proper). In my search for a place to live, I came across listings that I thought were a joke. They weren't. So much cost for so little house.

Luckily, I landed a small 700-square-foot, one-bedroom condo in Oakland...for $441,000. An identical unit next to me just sold for $520,000.

In my 20s, I gallivanted around the world, making more money than I knew what to do with.

Now, I live frugally in one of the most expensive areas in the world. But I couldn't be happier.

SEE ALSO: I'm a part-time doctor earning $250,000 a year and I plan to retire next year at age 43 — here's what a week of my spending looks like

DON'T MISS: My wife and I retired in our 30s and now travel full-time in an Airstream trailer — here's what we spend in a week

Here's a look at my monthly spending (not my including fiancée's spending or expenses), which totals around $8,027. My biggest expense is housing, followed by aggressive retirement contributions which I can cut back on if needed.

Yes, our situation could be worse. We are very lucky. My fiancée and I both have decent jobs — I'm a market strategist and operations manager at an engineering firm and she's an environmental planner. Our combined annual income is about $200,000 (before any bonuses). We also work multiple side hustles, including freelance writing and food delivery, and have the ability to save for our future retirement. But we work very hard to achieve this, and we have to be strategic with our spending.

According to the Bureau of Labor Statistics, the average American spends over 60% of their income on housing, food, and transportation. When you add in healthcare, entertainment, and clothing expenditures, there is little to nothing left over to save, particularly if you live in a high cost of living area.

We decided to reduce the top three expenses (housing, food, and transportation) as much as we could. As you can see, housing is my single largest cost. Since I own our condo, we are building equity over time, as opposed spending money on rent. The mortgage is on par with the rental costs in the area.

Currently, we are evaluating a duplex purchase with the intention of moving into one of the units. We would cover half of the mortgage by renting out the other unit. This is called house hacking, and may reduce our housing costs over time. But for the time being, we are unable to reduce our housing costs any further.

Our monthly food costs fluctuate based on how often we eat out. We save over $500 by eating at home every day for a week during a month. This simple lifestyle adjustment adds up over the year. Lastly, when we shop for groceries we take advantage of cash back and rewards apps which helps us reduce our food costs even further (and we split the total cost).

As for transportation, we only use the car one day a week. We ride our bikes most places. Great savings and amazing exercise — especially on the hills of San Francisco!

During a recent week in August, I spent about one-fourth of my typical monthly spend, including one $0 day.

August may be the best month to spend outside in the Bay Area. Karl the Fog typically goes on vacation, so the skies are clear, and the views are incredible.

My favorite activities include cycling around the Marin Headlands, hiking in the East Bay Regional Parks, or watching our dog gallop along the sandy beaches.

Unfortunately, nearly every activity comes with a high price tag in the San Francisco Bay Area. For those trying to reach financial freedom while living in an expensive city, you need to get creative to spend less and make more.

Since we are getting married at the end of the month, I have not been doing the best job at spending less.

On Monday, I was determined to start the week off right and save money by bringing my lunch to work.

I work in Downtown Oakland. The San Francisco culinary influence stretches across the SF Bay, and with it, the big-city prices. On average, if I eat lunch out during the weekday, I prepare for a $15 bill.

In an attempt to save money on weekly food costs, my fiancée, Rachael, and I try and bring our lunches to work during the week.

Today, I brought my lunch to work and ate both breakfast and dinner at home.

To optimize our evenings together, Rachael and I order our groceries online with Amazon Prime Now. This frees up time for some exercise after work before we start working on our side gigs.

We have our food for the week delivered on Mondays. Our total grocery bill added up to $134.58 today (of which I paid half, $66.29).

My largest expense today was $93.33 to a virtual assistant who helps manage my blog's social media presence.