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Here's everything inside the $25,000 Grammy Awards gift bag

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gibson guitars grammys

The 57th annual Grammy awards are this Sunday.

This year's nominees, presenters, and performers will all go home with a gift bag full of goodies worth an estimated $25,000.

Distinctive Assets has hosted the Grammy Gift Lounge and packaged the accompanying gift bag for 16 years now.

From lip balm and tooth paste to a $14,000 trip through the Rocky Mountains, see the strange and cool swag the celebrities will bring home even if they don't get an award.

A $3.99 bottle of Purell hand sanitizer



A $16.95 memoir, "...And I Breathed" from former CEO of Global Music at Live Nation, Jason Garner.

Garner reveals what his life was like as a concert promoter while juggling his personal life.

Get the book here.



An illustrated children's book called "Archibald's Next Big Thing" valued at $24.95.

The book is by Emmy-winning actor Tony Hale ("Veep").



See the rest of the story at Business Insider

The 12 most romantic date night spots in New York City

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Maialino

Wondering where to take your special someone for Valentine's Day dinner?

So were we, so we decided to reach out to the food experts at The Infatuation for a list of the best candlelight joints with critic-approved cuisine.

These 12 restaurants are the absolute pinnacle of romance for Valentine's Day.

But you better book fast — reservations won't last long.

Blue Ribbon Brasserie is a late-night New York institution.

The flagship of the Blue Ribbon Restaurants is now about 26 years old, but that hasn't diminished its power to delight dinners.

Its claim to fame — besides the oysters and friend chicken dishes — is that it stays open until 4a.m. nightly. Perfect if your Valentine is a night owl.



Order anything at Casa Mono.

52 Irving Pl., Manhattan

Spanish restaurant Casa Mono is the perfect place for a romantic Valentine's evening with a side of pork.

The food here is said to be so consistently good in this restaurant, that the Infatuation's Andrew Steinthal says, "You can pretty much close your eyes and blindly point at the menu, comfortably knowing there’s no wrong answer."

The wait might be long, but you can always stop at the great wine and tapas bar Bar Jamón while you wait for your table.



L’Artusi has bold, yet sophisticated flavors.

228 W. 10th St., Manhattan

L’Artusi is the quintessential upscale New York Italian restaurant, with big, bold flavors, but enough sophistication that it will seriously impress your date.

This West Village spot also has an amazing wine list and an entertaining atmosphere.



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Silicon Valley had its own version of the Oscars on Thursday — here's what it was like

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Crunchies 12

Last night we attended the 8th annual Crunchies, an awards show in San Francisco sponsored by tech blogs TechCrunch and VentureBeat.

It's kind of like the Oscars for tech companies — everybody gets dressed up and tries to get close to local tech celebrities, while startups compete for awards like "Fastest-Rising Startup" and "VC Of The Year."

Like most awards shows, the Crunchies is about seeing and being seen as much as the awards themselves.

The Crunchies was at Davies symphony hall in downtown San Francisco. It's known for amazing acoustics.



There were plenty of protestors outside. These people were dressed up like pigs to make a point about wealth in Silicon Valley.



There were also protestors picketing the event. Most of them were angry about Uber not providing health insurance to its drivers.



See the rest of the story at Business Insider

The story behind the barn-find, 50-year-old Ferrari that just sold at auction for $16.2 million

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Ferrari 250 GT California SWB, Collection Baillon   © Artcurial

A 1961 Ferrari 250 GT SWB California Spyder found in a rural French barn just hit the action block — and netted an impressive $16.2 million.

That number surpasses the $14.74 million pricetag the auctioneers at Artcurial expected the car to fetch. The 250 GT is considered one of the most expensive classic cars, and occupies 13 spots on the list of most expensive cars ever sold, The Guardian notes.

This example of the Califorian Spyder is one of only 37 ever produced. 

Here's what it might look like once fully restored:

RTX5TVTThe story of how the car was found is nearly as interesting as the amazing Ferrari itself.

It's every car collector's dream to uncover an amazing barn filled with perfectly preserved classic cars. And for two "motorcar specialists" from the auction house Artcurial Motorcars, that dream became a reality.

In the barn, a total of 60 collectors' automobiles were tucked away in makeshift, cast-iron cages and underneath outbuildings. They had been rotting away for at least 50 years.

"This sort of thing doesn’t happen often enough," Matthieu Lamoure, managing director of Artcurial Motorcars, said in a press release. "In our jargon, we speak about 'barn finds' as cars that are intact, that have remained untouched for years, and are found again. I have to say that when we arrived here, we found ourselves overcome with emotion."

The cars were collected by French transportation mogul Roger Baillon, who fell on hard times in the 1970s and had to sell his car collection.

Abri 1 avec Facel Vega Excellence et Talbot Lago T26 cabriolet Saoutchik ex Roi Farouk, Collection Baillon  ® ArtcurialBut, classic car lover that he was, Baillon couldn't simply sell all of his cars. He tucked away some of his collectibles in the barn in France, and they were subsequently forgotten about.

Needless to say, time, dust, and rust took their toll on these cars, some of which have become barely recognizable. See more gorgeous pictures from the collection below, like the Hispano Suiza H6B cabriolet Millon Guiet. 

Hispano Suiza H6B cabriolet Millon Guiet, Collection Baillon   © ArtcurialHere's what that same car might have looked like in its heyday.

Hispano Suiza 1924 H6B Million Guiet carMany of the cars in this find could be too far gone for authentic restoration, but they may still find a buyer. For instance, chances are this Talbot Lago T26 Grand Sport Coupé Saoutchik could never return to its former glory.

Talbot Lago T26 Grand Sport coupé Saoutchik, Collection Baillon     © ArtcurialBut you never know — with a great mechanic and a new paint job, perhaps the car could be restored with new parts:

1950 Talbot_Lago T26Even though they are rusted out, all these old cars have a classic beauty that still shines through, like this Talbot Lago T26 Cabriolet Saoutchik ex Roi Farouk. 

Talbot Lago T26 cabriolet Saoutchik ex Roi Farouk, Collection Baillon  © ArtcurialApart from the Ferrari, another highlight of the collection was a 1956 Maserati A6G Gran Sport Frua, which is one of only three ever made.

Ferrari 250 GT California SWB et Maserati A6G 2000 berlinetta Grand Sport Frua , Collection Baillon   © ArtcurialHere's a similar model Maserati to give you an idea of what it will look like after an extensive restoration process. The found Maserati is one of only three to be made, and it is expected to fetch $1.5 million when it goes under the hammer.

1956_Maserati_A6G_fr

Talbot Lago T26 Grand Sport coupé Saoutchik, Photo Remi Dargegen   © Artcurial

SEE ALSO: Check Out This $25 Million Over-The-Top Megayacht Concept That Looks Like The Batmobile

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Take a look inside Wall Street’s favorite new Caribbean resort

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Malliouhana Resort Anguilla

Business Insider recently wrote about Anguilla as the hot new vacation spot for the Wall Street crowd.

The Caribbean island has stunning views, beautiful resorts and a relaxing, laid-back atmosphere. The entire island of Anguilla only has one road running through it, and it's small enough to traverse in about 30 minutes.

For the wealthy visitors lounging around Anguilla, accommodations are just as important as the beautiful beaches.

Although Wall Streeters often rent villas on Anguilla, many of them choose to stay in the luxurious Malliouhana Resort.

The resort recently underwent an $80 million renovation and rebranded as an Auberge resort. After a three-year closure, the Malliouhana reopened in November with an updated design, open views, fine dining, and lounge.

The island of Anguilla is only 16 miles long and 3 miles wide, but it has 33 beautiful public beaches.



The Malliouhana Resort is a favorite with Wall Streeters.



The luxurious resort first opened in 1984, but recently completed an $80 million renovation. It was closed for three years during the renovation, and just reopened as an Auberge Resort.



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The world’s best restaurant is now selling used tableware — at $200 a fork

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Noma store

Noma, the two-Michelin star restaurant in Copenhagen that has been ranked as the world’s best for the last 5 years in a row, recently opened up a pop-up location in Tokyo. 

The famous chef behind Noma, René Redzepi, moved his entire 50-staff team to Tokyo’s Mandarin Oriental for five weeks to experiment with Japanese food — and it had people in a frenzy to try to secure a spot at the event.

More than 60,000 people applied to dine at the restaurant, and only a very small percentage (no more than 4,032) made the cut. 

For those who didn’t have the opportunity to try Redzepi’s Tokyo experiment, Noma set up an online shop where you can buy the custom-made tableware from the pop-up restaurant, according to Fine Dining LoversThe restaurant collaborated with 14 different Japanese artists to create a collection that was made from locally-sourced materials. 

But the utensils won’t come new — the items for sale will be those that were actually used in the restaurant during its stay in Tokyo, according to the online storeSo if you buy the Akito Akgagi lacquer fork (pictured below), you’ll be paying $200 for a used fork. 

The Akito Akgagi lacquer fork and spoon pair costs a total of $330. Noma tableware The chopsticks that were probably used to pick up the ants in the first course cost $65. Noma ChopsticksThis brown stoneware teapot by Jinpachi Ogawa costs $695. Noma Tea PotAnd the most expensive item on the Tokyo pop-up product list is this shelving until by Wahl & Ross that costs $2,890. Noma Shelving Unit

But these items could be considered cheap since actually eating at Noma will cost $296 a head, with an additional $185 for wine pairing

The products will ship after February 14, since that is when the Noma pop-up location will close. To see the full collection of tableware, click here

SEE ALSO: What it's like to eat at Noma, the best restaurant in the world

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NOW WATCH: Here's How To Order Wine In A Restaurant Without Paying Through The Nose

A former IBM exec is selling his Upper East Side penthouse for $6.5 million

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paul horn condo

Paul Horn, a former SVP and Executive Director of Research at IBM, has listed his New York City penthouse apartment for $6.495 million.

Located in a luxury condo building on the Upper East Side, the 2,350-square-foot apartment has a plethora of amenities, like a wraparound terrace, indoor pool, fitness center, and amazing city views. 

The building is also home to a number of noted personalities, including novelist Carol Higgins Clark, Wine Spectator publisher Marvin Shanken, and ESPN analyst Manny Acta.

The condo is one of four penthouses in the Belaire, a luxury building on the Upper East Side.



It has its own wraparound terrace totaling 385 square feet of outdoor space.



It has two bedrooms and three bathrooms.



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12 stunning pieces of jewelry you won't believe were made with a 3D printer

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Shapeways

3-D printers are known from printing everything from spare car parts to burritos.

Now the tools are being used to create stunning works of art and jewelry.

Shapeways has an abundance of 3D jewelry for sale on its site. Many pieces are printed in high-quality materials such as 14 karat gold and platinum.

This solid Platinum hand-polished ring retails for $3,500



These $60 bracelets are printed from white nylon and are polished to reveal a smooth matte finish



This $30 ring wraps your finger in textured 24k gold



See the rest of the story at Business Insider

19 dramatic photos of San Francisco's iconic Candlestick Park being demolished piece by piece

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candlestick park

Demolition crews have arrived at Candlestick Park, the longtime home of the San Francisco 49ers and Giants. Rather than blast the stadium with dynamite, the crew is taking a more careful approach to demolition, removing seats and structures piece by piece.

What was once a modern sports arena is now reduced to an eerie scene. Thousands of seats are piled up in corners around the stadium, and there are gaping holes where dugouts and grandstands once were. Soon there will be nothing left.

Candlestick Park hosted its first game on April 12, 1960, when the San Francisco Giants beat the St. Louis Cardinals 3-2 . Located right on the Bay, the park has long been criticized for its inaccessibility and windy conditions.

Source: 49ers.com



"This will be one of the most beautiful baseball parks of all time," then-Vice President Richard Nixon told the San Francisco Chronicle on opening day.

Source: 49ers.com



The 49ers played their first game here 11 years later, on Oct. 10, 1971.

Source: 49ers.com



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These are the worst things about working at Google (GOOG)

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google sergey brin

A lot of people want to work at Google. Brilliant people, amazing perks, and the chance to impact tens of millions of people are among the draws.

There's even a movie about what it's like to intern there.

But working at Google isn't all free food and bike rides around campus.

We checked out a Quora thread where people claiming to be current and former employees dish on the down sides of working there. Take them with a grain of salt, but we've heard many of these same things from our own sources.

Everyone is overqualified.

"The worst part of working at Google, for many people, is that they're overqualified for their job," said one commenter. "Google has a very high hiring bar due to the strength of the brand name, the pay & perks, and the very positive work culture."



Working at Google easily takes over your life.

"The worst part about working at Google is how, when you weren't looking, it takes over the majority of your time and energy," said a former sales employee. "If you are not intentional about how you approach your time, it can quickly become your life."



The company only cares about measurable improvements.

"Any improvement not based on a hard metric was flatly not a respected use of time," said a former Google software engineer. "Usability? Number of bugs? Nobody cared. If you couldn't measure it, nobody was interested in it."



See the rest of the story at Business Insider

Barry Bonds just dropped $20,000 for this insane bike

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Barry Bonds bike Specialized McLaren Tarmac

Behold the new home-run king of bicycles: the S-Works McLaren Tarmac, which former baseball star Barry Bonds bought this week for 20 grand.

The bike was inspired by Formula One leader McLaren and made in collaboration with Tour de France-proven bike company Specialized of Morgan Hill, California. Only 250 of these carbon-fiber rockets were made.

Bonds is considered one of the greatest baseball players of all time, and not without controversy. At 50, he's also a passionate cyclist — with an incredible bike to boot.

This is what Barry Bonds' limited-production, custom-sized bike looked like early on in McLaren's hands.



Each bike was custom-painted at McLaren's Special Operations Center in the Surrey, England.



Back in Specialized's Morgan Hill, California, wind tunnel, reporters got a primer on aero efficiency.



See the rest of the story at Business Insider

What the NBA's biggest stars looked like when their careers started

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Kobe Bryant, June, 1996

While many would like to wax poetic about the 1980s, we are now in the golden age of the NBA.

Even if we briefly ignore the recent influx of new stars (e.g Anthony Davis) there is an unprecedented number of superstars in their prime (e.g. LeBron James, Carmelo Anthony) and a large number nearing the end (e.g. Kobe Bryant and Tim Duncan).

Many of those stars looked quite different in their younger days, with some nearly unrecognizable.

On the next few pages we'll take a look at how much the NBA's biggest stars have changed since their careers first started.

Chris Bosh in 2003 (19 years old)



Chris Bosh now



Dwight Howard (18 years old) and Joakim Noah (18) in 2004



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Richard Branson, Suze Orman, and 6 other successful people share the best career advice they ever received

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richard bransonLinkedIn recently asked the top minds in business to reflect on the best advice they ever received and what they did with those words of wisdom.

Here's what Richard Branson, Suze Orman, and six other super-successful people had to say.

Richard Branson: Listen more than you speak.

"I thought I would share a simple tip from another person who had an enormous impact upon my life — my dad," says the Virgin Group founder.

Growing up, Branson recalls being in a home where his mother was "dreaming up new entrepreneurial schemes left, right, and centre," while he and his sisters ran wild. "Amidst all the fun and chaos, Dad was always a supportive, calming influence on us all. He wasn't quiet, but he was not often as talkative as the rest of us. It made for a wonderful balance, and we always knew we could rely on him no matter what. Within this discreet support lay one of his best and most simple pieces of advice for me: Listen more than you talk."

Today, Branson writes, he tries to spend as much time as possible listening to the people he meets. "I am fortunate to travel widely and come across fascinating characters from all walks of life. While I am always happy to share my own experiences with them, it would be foolish if I didn't listen back."

Read his full post here.



Suze Orman: The elephant keeps walking as the dogs keep barking.

"I've built a successful career around giving advice," writes Orman, a TV host and personal finance guru. "And that very success has often made me a target of criticism. Not helpful, constructive criticism, but nasty feedback entirely disconnected from facts."

She says when she first encountered the blowback, she was angry and perplexed. But then she learned to be an elephant. 

"A wise teacher from India shared this insight: The elephant keeps walking as the dogs keep barking," she says. "The sad fact is that we all have to navigate our way around the dogs in our career: external critics, competitors, horrible bosses, or colleagues who undermine. Based on my experience, I would advise you to prepare for the yapping to increase along with your success."

She says it's important to remember that although you can't tame the barking dogs, you do have the ability to tune them out. 

"While the world would definitely be a better place without vindictive and misinformed dogs, I have learned to make peace with their existence. And used it to my advantage," she writes. Being an elephant has made Orman stronger and more resolute, and has helped her become more compassionate.

"It delights me to turn the dogs' vitriol into my virtue."

Read her full post here.



Michael Powell: Don't play in the baby pool.

"I heard my father [Colin Powell] say it first: 'Refuse to play in the baby pool.' ... I have no interest in playing on the minor league field. I want to play on center court. If you are going to win, you are going to have to beat me there,'" writes Powell, the president and CEO at NCTA.

This is more than bravado, he explains. "It is a challenge to others to treat you fairly and let them know you are wise to the inferiority game. It is also a challenge to yourself to be excellent and not to allow others to move you to perform off Broadway, or accept comfortable consolation prizes."

Read his full post here.



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The most powerful person in Hollywood at every age

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Most Powerful Person In Hollywood At Every Age beyonce jay z blue ivyIt's not just celebrities who have power in Hollywood: Directors, producers, writers, and agents also command authority in Tinseltown.

We came up with the most powerful person in Hollywood at every age by looking at each person's command, reputation, past and future influence, and wealth.

From Kim and Kanye's 1-year-old baby North West to 100-year-old actor and comedian Irwin Corey, these are the most powerful people in Hollywood from 1 to 100.

AGE 1: North West

Daughter of Kanye West and Kim Kardashian

What makes her powerful: While all of Twitter had an opinion about the bold name that Kimye chose for their first child, North is developing a personality to match. Nori, as she's known, who appears with her family on "Keeping Up With the Kardashians," is halfway potty-trained and loves selfies as much as her mom.

Another powerful 1-year-old: Everest Lucas is the son of "Star Wars" creator and former Lucasfilm CEO George Lucas and Mellody Hobson, chairman of the Dreamworks' board of directors.



AGE 2: Olive Barrymore Kopelman

Daughter of Drew Barrymore and Will Kopelman

What makes her powerful: The famous Hollywood Barrymore dynasty welcomed a new member, Olive, in September 2012. And if Drew's Instagram is any indication, Olive is incredibly gifted. Her mom posted a photo of her daughter at the beach reading. And not just any book — "Bossypants" by Tina Fey.



AGE 3: Blue Ivy

Daughter of Beyoncé and Jay-Z

What makes her powerful: Nothing is too good for this power couple's little girl. Blue Ivy's second birthday was celebrated at the exotic Jungle Island in Miami; for her third, Blue got an ice sculpture with her name carved into it. Gwyneth Paltrow, who is good friends with the Knowles-Carter clan, said of Blue Ivy: "She is a powerhouse. I love her so much."

Another powerful 3-year-old: Haven Warren, daughter of Cash Warren and Jessica Alba, must be getting some great merch from her mom, who cofounded the sustainable baby and toddler product company Honest Company.



See the rest of the story at Business Insider

7 mistakes everyone makes with cheese


Nerdwallet's new San Francisco office has a bar stocked with 80 different kinds of booze

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nerdwallet office

Nerdwallet, a consumer finance startup that produces content relating to personal banking and insurance, recently moved into new offices in San Francisco. 

The office takes up the top two floors of a building on Market Street, situated in a quickly evolving part of the city. 

The startup's 130 employees — or "Nerds," as they call themselves — certainly have some awesome amenities to make use of now. 

Nerdwallet's new office has free yoga and other fitness class, daily catered lunches, and even a bar fully stocked with booze.

Nerdwallet's office takes up 40,000 square feet in an office on Market Street.



The office is located in the Mid-Market area of San Francisco, not far from Twitter's headquarters. Formerly a rough area, the neighborhood is being revitalized as more tech companies move in.



CEO Tim Chen and VP of marketing Stephanie Wei talk near the entrance to Nerdwallet.



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The co-founder of Jimmy Choo is selling her New York City penthouse for a discounted $29 million

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carter mansion penthouse jimmy chooAfter listing her penthouse at the Amory S. Carhart Mansion penthouse for $34 million in July 2013, Jimmy Choo co-founder and fashion designer Tamara Mellon has lowered her home’s price to $29.5 million.

The 7,000-square-foot duplex has five bedrooms, tall ceilings, and over 5,000 square feet of outdoor terraces and roof deck space.

Mellon bought the duplex for $21 million back in 2008, according to the New York TimesShe is moving downtown because she likes the vibe better. 

“I love my apartment; I wish I could take it downtown,” Mellon told the Times. “The terraces are heaven.”

Mellon opened her first Jimmy Choo shoe boutique in 1996, according to British Vogue, and was instrumental in growing the brand. She sold Jimmy Choo to Labelux for $811 million in 2011 and left to start her own brand of eponymous clothing. 

The home was originally jointly listed between Corcoran and Elliman, according to a Curbed New York story at the time, but Mellon has since taken her business to Sotheby’s International Realty’s Serena Boardman.

Tamara Mellon's penthouse is in the Carter Mansion on the Upper East Side. It was built in 1913 and designated a NYC landmark in 1974. Currently, there are four grand-scale condo units in the building.

 



A direct elevator connects the penthouse with the lobby. The gorgeous, airy apartment also has four wood-burning fireplaces.



The home has tall ceilings and is decorated in a very modern style.



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What it's like to ride 'The Train Of Death' from Mexico to the US

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MFrankfurter_Destino_10Photographer Michelle Frankfurter had traveled to Mexico, the US-Mexico border, and Central America for years, working first as a photojournalist and then as a human-rights worker. During her travels, she heard about a particular route that hopeful migrants take to reach the United States. In 2009, she set out to follow it.

Following the path described in Sonia Nazario's award-winning book "Enrique's Journey," Frankfurter headed to southern Mexico and followed the path north. In six journeys, she rode the treacherous El Tren de la Muerte (The Train of Death), came into contact with the drug cartels, and befriended numerous migrant families, many of whom never made it to the US.

Frankfurter has shared some of her photos with us here, but you can check out the rest at her website or in her book "Destino," available now.

The first step of the journey for Frankfurter and thousands of migrants is crossing the Suchiate River between the Guatemalan border town of Tecún Umán and the Mexican town of Hidalgo in the southern state of Chiapas. Migrants ride rafts made of tractor tires across the water.

 



After crossing the river, migrants hike 150 miles on foot to avoid Mexican migration checkpoints and reach Arriaga, a city in Chiapas. Here, a Salvadoran woman feeds her 18-month-old son at a migrant shelter in Chiapas after making the trek.

 

 

 



Frankfurter began the most significant part of her journey in Arriaga. Here, most migrants catch a freight train illegally to start their trek north.

 

 

 



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9 science-backed tricks for appearing smarter than you are

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trying on glasses model hipster

Some people are indeed born smarter than others — it's genetics

But that doesn't mean you can't appear to look more intelligent. 

Don't hold a beer.

People often do idiotic things after they've had too many drinks. 

No wonder that even holding a beer makes you look less intelligent, according to a joint study by the University of Michigan and University of Pennsylvania.

"People who hold an alcoholic beverage are perceived to be less intelligent than those who do not, a mistake we term the imbibing idiot bias," write authors Scott Rick and Maurice Schweitzer. 

 



Walk at the same speed as everybody else.

A study led by Boston University marketing professor Carey Morewedge found that "people use speed of movement to infer the presence of mind ... in other persons." 

So if you walk faster — or slower — than the people around you, they think you're stupid.



Put on thick glasses.

Research suggests that if you're wearing glasses, you'll appear less attractive but more intelligent

Moreover, the kind of glasses matters: Thick, blocky frames make you look smarter than thin ones

Go hipster, look smart.



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The 11 worst money habits of 20-somethings and how to fix them

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young man beard glasses

Twenty-somethings aren't always as careful with their money as they should be.

I reached out to my coworkers and friends to see what they consider to be their worst money habits, and have highlighted the most common ones here.

Research shows that they aren't alone in their bad habits ... and full disclosure: I'm guilty of some of these, too.

1. Not saving enough — or at all

There's a difference between knowing you should save and actually doing it.

According to a USA/Bank of America Better Money Habits poll, about 20% of Millennials haven't started saving. While 69% have a savings account, most have less than $5,000 in it.

When it comes to saving, retirement contributions can be a great place to start.

You can contribute to your employer's 401(k) plan if it offers one — and if it matches your contributions, you'll want to seriously consider it — or you can look into other account options, such as a Roth IRA.

By having your contributions automated, either to your 401(k) before you get your paycheck or from your checking account to an IRA or Roth IRA once your check hits, you can stash away some cash without even noticing.



2. Not being educated about their student loans

The class of 2014 is the most indebted class thus far. The average class of 2014 graduate will be stuck paying off $33,000 in student loan debt.

With numbers as high as these, you would think students and graduates would be well aware of their debt. Turns out many of them aren't.

A report issued by the Brookings Institute found that 28% of students with federal loans reported having no federal debt, and 14% with federal loans said they had no student debt at all.

Student loan debt accrues interest, meaning the longer you take to pay it, the more you pay overall. Even if you need a while to make those payments, the sooner you start, the better.

Take some advice from a man who paid off $74,000 of debt in two years, or another in his mid-20s who paid off $81,000 in under three years.



3. Spending unnecessary money on the short term

When I asked my friends and coworkers for their worst money habits, they all agreed on drinks out and subsequent Uber and cab rides home. Many also admitted to frequent lattes and buying lunch every day.

Moderation is key, here. There's no problem with doing these things when you can afford it, but if you find yourself doing them all the time and feeling a little tight in the wallet, it might be time to find some alternatives — even those as simple taking the subway, walking, and packing a lunch.

Here's how I keep my expenses down while living in New York City.



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