The way we access the internet has changed rapidly over the past few years, transitioning from desktops to mobile devices.

Now, the internet is expanding again — coming to all of the everyday devices found in our homes, businesses, and cities.

BI Intelligence has created a slideshow highlighting the most important ways the Internet of Everything market will develop, the benefits newly connected devices will offer consumers and businesses, and the potential barriers that could inhibit growth. 

BI Intelligence is a new research and analysis service focused on the mobile and Internet of Things computing markets. 

Only BI Intelligence subscribers can download the individual charts and datasets in Excel, along with the PowerPoint and PDF versions of this deck. Please sign up for a membership here.

Stocks may take a small dip this summer, but Deutsche Bank’s David Bianco thinks the S&P will end 2015 higher. 

Bianco thinks the Fed will finally be ready for a rate hike in September, and expects to see more signals of a hike in the coming months. When this happens, Bianco says that stock performance will be dependent on long-term Treasury yields staying low.

Bianco adds that Greece, ISIS and the gearing up US Presidential election could all have a significant impact on stocks in the coming months.

Based on these forecasts, Bianco also provided a list of 16 mid and small cap stocks to buy now, listing Buy-rated stocks with market caps above $800 million and expected EPS growth greater than 8% for 2015.

We've collected Bianco's list here, ranking the stocks by market cap from smallest to largest.

WNS

Ticker: WNS

Market Cap: $1.38B

Industry: Information Technology

Price Target: $28

2015 EPS Growth: 26%

Comment: "As clients look to generate operating efficiency, advance their digital enterprises, and improve the end-client experience they will increasingly leverage the capabilities of [Business Process Management] partners like WNS," CEO Keshav Murugesh said in the company's fourth quarter earnings release in April. "We will continue to invest in our business to ensure we remain well-positioned to capitalize on the long-term BPM opportunity, and to drive sustainable business value for all of our key stakeholders."

Source: Deutsche Bank

LifeLock

Ticker: LOCK

Market Cap: $1.44B

Industry: Consumer Discretionary

Price Target: $26

2015 EPS Growth: 40%

Comment: “Against a backdrop of continued data breaches, we produced the best quarter of gross new member additions in the history of the company,” Chairman and CEO Todd Davis said in the first quarter earnings release. “We believe this performance is indicative of the power of our brand and the growing recognition of the differentiated nature of our offerings.”

Source: Deutsche Bank

Blackhawk Network

Ticker: HAWK

Market Cap: $1.88B

Industry: Information Technology

Price Target: $44

2015 EPS Growth: 23%

Comment: "Our U.S. and international retail segments began the year with good momentum, growing first quarter transaction dollar volume 26% and 29% respectively," CEO Bill Tauscher said in the company's first quarter earnings release.

Source: Deutsche Bank

Saudi Arabia has been front and center over the past few months as oil prices plunged in late 2014 and then saw a mild recovery in 2015.

But it's worth taking a step back and looking at its unique economy as a whole and what that might mean for its future.

"The oil boom of the past decade has transformed Saudi Arabia into a major global economy with a young population and large wealth that offer great potential," writes HSBC economist Razan Nasser, "but with lower oil prices, the Kingdom's structural challenges are ever more pressing."

We've taken a closer look at some of the numbers behind Saudi Arabia young, oil-driven economy.

The Kingdom's Ghawar oil field has enough reserves to fill 4,770,897 Olympic swimming pools.

The Kingdom's oil reserves are huge.

Saudi Arabia's Ghawar field is the largest in the world. It has an estimated 75 billion barrels of oil left.

An Olympic-size swimming pool can hold 660,253.09 gallons of liquid.

Source: US Energy Information Administration

Saudi Arabia's petroleum sector makes up 45% of GDP, which makes it bigger than the total GDPs of Iraq, Morocco, Rwanda, and Tonga combined.

Saudi Arabia's petroleum sector is 45% of the country's total GDP — which puts it at around $335,372 billion.

Iraq's GDP is $222.879 billion, Morocco's GDP is $104.4 billion, Rwanda's GDP is $7.451 billion, and Tonga's GDP is $466 million.

Source: CIA Factbook, HSBC

Saudi Arabia's population is slightly bigger than Texas's, but Texas's GDP is nearly 2 times as large.

Saudi Arabia's population around 28.8 million in 2013, which is slightly above to that of Texas' 26.5 million. However, Saudi Arabia's GDP in 2013 was around $750 billion, while Texas' was approximately twice that amount at $1.4 trillion.

Plus, Saudi Arabia has the 19th largest GDP — but if Texas were its own country, it would have the 13th largest GDP (just below Australia and right above Spain).

Overall, this suggests that Texas is more productive than Saudi Arabia.

Source: Business Insider, World Bank

Many commencement speeches are forgettable. A lot are filled with the same cliché advice. But some are so good — so inspiring and poignant — that they stick with us forever.

While certainly there's room for debate (was Stephen Colbert's speech at Northwestern really better than the one he gave at Knox College?), we've culled the best-of lists to put together a guide to our favorites.

From Steve Jobs to Toni Morrison, Kurt Vonnegut to John F. Kennedy, here are the speeches you wish you'd heard on your graduation day.

Shonda Rhimes's 2014 speech at Dartmouth College

The world's most powerful showrunner told grads to stop dreaming and start doing.

The world has plenty of dreamers, she said. "And while they are busy dreaming, the really happy people, the really successful people, the really interesting, engaged, powerful people, are busy doing." She pushed grads to be those people.

"Ditch the dream and be a doer, not a dreamer," she advised — whether or not you know what your "passion" might be. "The truth is, it doesn't matter. You don't have to know. You just have to keep moving forward. You just have to keep doing something, seizing the next opportunity, staying open to trying something new. It doesn't have to fit your vision of the perfect job or the perfect life. Perfect is boring and dreams are not real," she said.

Read the transcript and watch the video.

David Foster Wallace's 2005 speech at Kenyon College

In his now-legendary "This Is Water" speech, the author urged grads to be a little less arrogant and a little less certain about their beliefs. 

"This is not a matter of virtue," Wallace said. "It's a matter of my choosing to do the work of somehow altering or getting free of my natural, hard-wired default setting, which is to be deeply and literally self-centered and to see and interpret everything through this lens of self."

Doing that will be hard, he said. "It takes will and effort, and if you are like me, some days you won’t be able to do it, or you just flat won't want to." But breaking free of that lens can allow you to truly experience life, to consider possibilities beyond your default reactions. "It will actually be within your power to experience a crowded, hot, slow, consumer-hell type situation as not only meaningful, but sacred, on fire with the same force that made the stars: love, fellowship, the mystical oneness of all things deep down," he said.

Read the transcript and watch the video.

Robert Krulwich's 2011 speech to the UC Berkeley Graduate School of Journalism

The acclaimed science journalist and "Radiolab" host steered clear of inspirational vagaries to offer a concretely useful speech — whether you're in media or not.

"You can’t trust big companies to keep you safe," he warned. You could once, maybe — there was a time when getting in the door at the right place meant they'd "take you in, teach you, protect you," he said. At least in journalism, though, those days are gone. 

But that doesn't mean doom for new grads. It just means a change of strategy. "Think about entrepeneuring," he urged. "Think about NOT waiting for a company to call you up. Think about not giving your heart to a bunch of adults you don’t know. Think about horizontal loyalty. Think about turning to people you already know, who are your friends, or friends of their friends, and making something that makes sense to you together, that is as beautiful or as true as you can make it," he said. It won't lead to instant success, he cautioned. But the people "who stay at it, who stay stubborn, very often win."

Read the transcript and watch the video.

Sotheby's announced this week that an anonymous collector had put his entire exotic portfolio up for auction this summer. The crown jewel of this collection is a 1998 McLaren F1 LM hypercar. 

"The F1 is a technological tour de force and a real triumph in terms of packaging and design," McLaren Automotive executive chairman Ron Dennis said in a statement in 2010.

"Whether endurance racing or on road, it is supremely fast, agile, and yet comfortable. Its styling is enduring and will never fade."

The car up for auction is one of 106 McLaren F1 vehicles ever built and just one of a handful in the "LM" specification. According to Sotheby's, the ultra-rare British exotic is expected to fetch between $12 million and $15 million when it hits the auction block this August in Monterrey, California. 

McLaren automotive was born from the racing team founded by legendary driver Bruce McLaren.

The team has dominated Formula One racing — winning 182 races and eight World Championships.

In 1988, McLaren obliterated the competition by winning 15 of the 16 races on the F1 schedule. Afterward, the team decided it was time to use its talents to build the ultimate road car.

High-end coffee retailer Blue Bottle Coffee, a favorite of the tech community, has received an additional $70 million in funding from several big-name tech investors and Fidelity Management and Research. 

Tetragon Financial Group, Morgan Stanley, Index Ventures, True Ventures, Bono, Jared Leto, Tony Hawk, and Instagram founder Kevin Systrom contributed to the round.

The company, which operates 19 locations in New York City, California, and Japan, has become hugely popular with hipsters and techies from coast to coast. Vintage brewing machines and artisanal coffee are some of its major selling points, and lines are known to get long. 

The chain previously raised a $25 million round in January 2014, with contributions from Morgan Stanley Investment Management, Twitter cofounder Evan Williams, VC Chris Sacca, and WordPress cofounder Matt Mullenweg.

Last year, we paid a visit to the spacious Blue Bottle cafe in Williamsburg, Brooklyn, to see what the hype is all about. 

We visited Blue Bottle's Brooklyn shop, located on a pretty nondescript street in Williamsburg. The cafe is housed in an early 20th-century brick building that, according to Blue Bottle's site, was at different times used by glass blowers, metal smiths, and barrel makers.

We got our first glance of their famous Blue Bottle logo right at the entrance. The logo on a to-go cup is part of the company's cachet and a sure sign the drinker is "in the know" about what's cool in the world of coffee.

Guests were sipping coffee and reading the newspaper at the counter when we visited in the late morning.

This has been a brutal week for those Wall Streeters who are studying for the Chartered Financial Analyst (CFA).

On Saturday, all three levels of the CFA will be administered worldwide. 

The CFA curriculum, which consists of three levels, is considered to be the hardest test on Wall Street. To put the exam's difficulty in perspective, fewer than 20% of candidates pass all three on the first attempt.

The average test-taker also spends a solid five to six months preparing for the CFA.

Of course, every test-taker hopes things go smoothly and according to plan on exam day. But we've heard some crazy horror stories ranging from bathroom disasters to concentration-breaking distractions.

We've included them here.  Make sure this doesn't happen to you. 

Also, if you have a CFA horror story to share, feel free to email jlaroche@businessinsider.com. We'll keep you anonymous. 

CFA test-takers witnessed a girl get locked out of the exam room after the lunch break.

"Between the morning and afternoon sections of the CFA exam, there's a two hour break.  The proctors always warn you to get back to the exam room like 10-15 minutes before the break ends because they start reading instructions for the next part of the exam right when the 2 hours is up.

In the room where I was writing Level 2, the entrance into the test center was in the front of the room, and all the test takers sit facing the entrance. There were about 300 of us.

Just before the 2 hour mark (or maybe it was right at the 2-hour mark), the proctor started reading the instructions over the loudspeakers, but the doors to the entrance were still open.

Then, one girl walks through the door in mid-instruction. She was probably right on time, but late by CFA test standards.

The proctor stops reading, and tells the girl over the loud speaker: "I'm sorry, you have to go back through the doors." The girl stepped back, then the proctor said on the loud speaker "Can someone close that door?"

Everyone watched as the door closed on the girl, who just had this blank stare on her face. You could feel the collective gasp in the room as what just happened weighed down on everyone.

That girl never came back into the room, and wasn't able to take the second part of the exam. Six months of studying and preparation for nothing.

I feel bad for saying this, but it was a distraction feeling pity for the poor girl."

Source: Business Insider

A test-taker couldn't take the exam because his driver's license just expired.

From Analyst Forum: 

I saw him in the distance sitting on one of those portable heaters with his hands in his face, he was clearly upset. I called out to him, and when he moved his hands away from his face, i saw his red and puffy eyes, like he was crying. I thought to myself “alright, he thought it was hard too, so i must have did alight”. I said “don't worry man, I talked to like 6 people in the room after the exam and they all said they did horrible, don't be so upset man, the afternoon wont be as bad”.

I said: "Don't worry man, I talked to like 6 people in the room after the exam and they all said they did horrible, don't be so upset man, the afternoon won't be as bad". 

He said: "I didn't write it, bro."

I said: "What the f*** are you talking about??" 

He said: "My license expired on May 30th!"

They wouldn't let him write because his license was expired. Can you FREAKIN' believe that?! One week expired, and it wasted about a year of his life and 1 month vacation time."

Source: Analyst Forum

There was a regional blackout and the test center went dark. One prepared guy had a flashlight on him and the other test-takers basically wanted to kill him.

From a BI commenter:

When taking L2 in [New Jersey], there was a regional blackout that made the entire convention (testing) center pitch black. Amid the darkness, one very well prepared gentlemen took out a pocket flashlight and continued writing the exam. As you'd expect, this didn't go over well with either the proctors and fellow exam takers (who's exams are graded on a curve). A proctor ran over to take away his flashlight and unwittingly saved his life.

What better time to take a deep dive into the world of fried dough than National Donut Day on June 5?

And lest you've chocked it up to some clever publicist, Donut Day actually dates back to WWI, when "donut lassies" delivered provisions to soldiers on the front line.

In honor of coffee's eternal BFF, we took a look at how fried dough is eaten around the world. 

BEIGNETS (FRANCE): Beignets come in yeast and non-yeast varieties. They're also the official state doughnut of Louisiana.

CHURROS (SPAIN): Made of choux pastry, churros are also popular in Mexico and Portugal. In Brazil, they're often filled with cream or chocolate.

BERLINER (GERMANY): These deep-fried yeast doughnuts have been around since the 15th century.

True power is ageless.

From the toddling Prince George, third in line to the British throne, to 100-year-old Pulitzer Prize-winning author Herman Wouk, we found the most powerful person at every age from 1 to 100.

To create this list, we took four criteria into consideration: command, or the degree to which a person formally controls a group of people; past influence, or how much a person has changed the world; future influence, or how much a person is likely to change the world going forward; and net worth.

Spanning industries and time zones, these are the most powerful people, from 1 to 100.

AGE 1: Prince George of Cambridge

Heir to the British throne

What makes him powerful: After his grandfather and father, little George is next in line to succeed his great-grandmother, Queen Elizabeth II. As an eight-month-old he took his first royal tour — a 19-day visit to New Zealand and Australia. He's also a tiny fashion icon, and he recently became a big brother to new princess Charlotte Elizabeth Diana.

AGE 2: Macallister Bogue

Son of Marissa Mayer and Zach Bogue

What makes him powerful: While he's only a couple of years old, Bogue, son of Yahoo CEO Marissa Mayer, still influences his mom's outlook at work. Though Mayer herself only took a few weeks off after giving birth, she doubled the amount of paid maternity leave Yahoo offers new mothers from eight to 16 weeks and offered new dads eight weeks as well.

AGE 3: Blue Ivy Carter

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."

Summer is the season of interns and young financiers bustling through an industry several times their age. So Business Insider reached out to veterans and asked, what are you reading?

We've compiled their suggestions here in a list surprisingly diverse in genre, topic, time period, and style. Together, they form a comprehensive picture of Wall Street's in and outs, and deepen the reader's understanding of forces driving the market.

So crack one open. It'll help you get through the dog days of summer.

Reminiscences of a Stock Operator

Author: Edwin Lefevre

Description: "'Reminiscences of a Stock Operator' is the fictionalized biography of Jesse Livermore, one of the greatest speculators ever. The timeless insights found within these pages have inspired countless generations of investors and made this book one of the foremost investment classics of all time ... 'Reminiscences of a Stock Operator' is a timeless tale that will enrich the lives — and portfolios — of today’s traders as it has done for generations in the past."

Recommended by Thomas Lee, head of research at Fundstrat Global Advisors; Dave Lutz, managing director and branch office manager at Jones Trading; Joe Lavorgna, managing director, chief US economist at Deutsche Bank Securities; and Jeff Gundlach, CIO at DoubleLine Capital.

Find it at Amazon >>

Efficiently Inefficient: How Smart Money Invests and Market Prices Are Determined

Author: Lasse Heje Pedersen

Description: "'Efficiently Inefficient' describes the key trading strategies used by hedge funds and demystifies the secret world of active investing. Leading financial economist Lasse Heje Pedersen combines the latest research with real-world examples and interviews with top hedge fund managers to show how certain trading strategies make money — and why they sometimes don't."

Recommended by Torsten Slok, ‎chief international economist at Deutsche Bank

Find it at Amazon >>

Adventures in Muniland: 2009-2015

Authors: Michael Comes, David R. Kotok, and John R. Mousseau

Description: "With a perspective that only decades of experience can bring, 'Adventures in Muniland' captures the municipal bond market's transformation from stodgy to dynamic. This concise, yet comprehensive stroll offers an insider's view, brings the reader right up to today's discussions, and carries the added benefit of providing a clear understanding of what can at times appear to be an opaque marketplace. The Cumberland team has produced an insightful review for the seasoned professional and a must read for newcomers and investors."

Recommended by David Kotok, CIO of Cumberland Advisors

Find it at Amazon >>

In a sea of graduation clichés, some commencement speeches stand out.

They're witty, they're wise, and they offer real advice — not just about professional success, but about personal success. They're about forging a good career, but they're also about what it means to be a good person.

Here, we've gone through our favorite speeches of all time and distilled them down to one piece of concrete advice.

Whether you graduated this spring or you've been out of school for decades, these are words to live by.

Shonda Rhimes — Dartmouth College, 2014

"Ditch the dream and be a doer, not a dreamer. Maybe you know exactly what it is you dream of being, or maybe you're paralyzed because you have no idea what your passion is.

"The truth is, it doesn't matter. You don't have to know. You just have to keep moving forward. You just have to keep doing something, seizing the next opportunity, staying open to trying something new. It doesn't have to fit your vision of the perfect job or the perfect life. Perfect is boring and dreams are not real."

Read the full transcript here.

Watch the video here.

Stephen Colbert — Northwestern University, 2011

"If we'd all stuck with our first dream, the world would be overrun with cowboys and princesses. 

"So whatever your dream is right now, if you don't achieve it,  you haven't failed, and you're not some loser. But just as importantly — and this is the part I may not get right and you may not listen to — if you do get your dream, you are not a winner."

Read the full transcript here.

Watch the video here.

Kurt Vonnegut — Agnes Scott College, 1999

"We may never dissuade leaders of our nation or any other nation from responding vengefully, violently, to every insult or injury.

[...]

"But in our personal lives, our inner lives, at least, we can learn to live without the sick excitement, without the kick of having scores to settle with this particular person, or that bunch of people, or that particular institution or race or nation. And we can then reasonably ask forgiveness for our trespasses, since we forgive those who trespass against us."

Read the partial transcript here.

Watch the video here. 

It's National Donut Day, and what better way to celebrate than with a ranking of America's favorite morning treats?

We couldn't personally taste doughnuts from every beloved pastry shop in the country, so we scoured blogs and online reviews to find the 20 best doughnut spots.

Then we ranked specific doughnuts based on availability, originality, taste (according to reviews), and price.

#11 The foie gras doughnut at Do or Dine in Brooklyn, NY makes the list for originality alone. But its $11 price tag is really a drag.

Originality: 10
Taste: 8
Price: 1
Availability: 5
TOTAL: 24

Availability was based on store hours and how quickly the establishment sold out of donuts. Originality reflected how common the customers' favorite flavor was at other donut shops, and price took into account both the actual price as well as if the store was cash only.

#10 Diners rave about the chocolate glazed doughnuts at Do-Rite Donuts in Chicago, IL. Though not the most original flavor, the extra dollop of chocolate is always welcome.

Originality: 2
Taste: 10
Price: 7
Availability: 6
TOTAL: 25

Availability was based on store hours and how quickly the establishment sold out of donuts. Originality reflected how common the customers' favorite flavor was at other donut shops, and price took into account both the actual price as well as if the store was cash only.

#9 This picture doesn't do it justice, but everyone loves the classic tres leches doughnut at the Doughnut Plant in New York, NY. It tastes just like a slice of "three milks" cake.

Originality: 4
Taste: 9
Price: 7
Availability: 8
TOTAL: 28

Availability was based on store hours and how quickly the establishment sold out of donuts. Originality reflected how common the customers' favorite flavor was at other donut shops, and price took into account both the actual price as well as if the store was cash only.

A French-impersonating mansion in the Beverly Crest section of Los Angeles is now on the market for $37.5 million, according to Daily Mail.

It's been on and off the market for a while now, after former owner Curtis Somoza was busted for a Ponzi scheme and sentenced to jail for 25 years in 2007, according to Curbed.

The house was transferred to an LLC in 2005 and subsequently bought by Jeoung Lee, a healthcare entrepreneur.

Originally built in 2000, the entire home has been fully remodeled and renovated since. 

Susan Perryman of Hilton and Hyland has the listing.

Welcome to the Wallingford Estate, a 22,000-square-foot home on the outskirts of one of Los Angeles' most expensive districts.

Built in 2000, no expense was spared in bringing it up to the modern luxury standards commanded by a $37.5-million price tag.

A manicured 5-acre lawn, huge snake-like driveway and a ginormous front gate surround the house.

New York City has a reputation for being an expensive city.

But that doesn't mean you need to have a disposable income to enjoy it.

Particularly in the summer, New York offers multiple events that won't cost you a penny to attend.

From parades to movie nights in the park to cultural festivals, here's what you can enjoy in the city this summer free.

Governors Island offers free bike mornings from Monday to Friday between 10 a.m. and noon. Visitors can have a relaxed ride while exploring the island.

For more information on free bike rentals in Governors Island, click here>

Get crafty at Etsy's kaleidoscope-themed craft party taking place at the Manhattan Bridge Archway (near the company's Dumbo headquarters) on Friday and Saturday. With music, a bar, food trucks, and paper-crafting supplies provided by Etsy, you'll have everything you need.

Click here to find out more about the party >

From April through October, the High Line offers stargazing on Tuesdays from dusk to 9 p.m. Experts are available to discuss any sights of interest, and food vendors offer tacos, gelato, ice pops, and seasonal treats.

For more information on stargazing on the High line, click here>

The trust between employers and employees is broken, and it's causing companies to lose their most valuable people at dangerous rates, LinkedIn cofounder and chairman Reid Hoffman says.

In the book "The Alliance: Managing Talent in the Networked Age," Hoffman and entrepreneurs Ben Casnocha and Chris Yeh explain how employers can attract and retain the best employees through the formation of alliances.

The authors created a presentation outlining the book's main principles, which can help you create a productive culture in which everyone wins.

NBC's "Hannibal" is a series that is appealing for many reasons, but a big one is obvious from day one: The food.

"Hannibal" is lavish in its attentions to all things culinary, putting together better shot and more artfully presented food porn than anything you'll see on Food Network. 

Of course, food is also where the show gets most of its horror from, given its subject's horrific palate. The dishes cooked by Hannibal Lecter (Mads Mikkelsen) often appear succulent and lovely; revolting to the viewer only because they know where they come from (and sometimes, they still look good). 

Much of this is thanks to the work of "Hannibal"food stylist Janice Poon, who runs lengthy postmortems of the show's dishes—complete with non-cannibal recipes—on her blog, Feeding Hannibal. It's a page you may want to bookmark with "Hannibal" season 3 now upon us. 

("Aperitif," season 1, episode 1): Hannibal's first scene has him dining on what looks like veal. It's probably not veal.

("Amuse-Bouche," season 1, episode 2): Hannibal serves Jack Crawford what he calls Pork Loin with Red Fruit Cumberland Sauce. While we don't see him kill anyone, we probably shouldn't trust him.

("Oeuf,"season 1, episode 4): Hannibal calls this elegant dish "rabbit." It's a person. Surprise!

At 22, you were just graduating from college, entering the "real world," and embarking on your professional journey.

Looking back, maybe you'd rewrite your past — or, perhaps you're content with the decisions you made at that time in your life. Either way, there are probably a few things you wish you knew then that you know now.

That's exactly what LinkedIn asked its network of top minds across all fields to write about for its latest "If I Were 22" editorial package.

Successful thought leaders — also known as Influencers — shared original posts, along with pictures of their younger selves, filled with pearls of wisdom for new grads based on what they wish they had known at 22. 

Suze Orman: It’s okay to take time to figure out what you want.

When the personal finance guru was 22, she and a few friends left Illinois and headed to Berkeley, California, where she spent her days helping clear away trees and brush.

"That was followed by a seven-year stretch of waitressing,"she writes."It wasn't until I was 30 that I landed a job — as a stock broker trainee — that put me on the path that leads directly to where I am today."

She says she wouldn't suggest that every 22-year-old take eight years to find the path they want to pursue — but she does hope that they give themselves the time and space to figure things out.

"That's not a license for laziness. I worked, and worked hard, in my 20s. And I wouldn't trade the experiences I had during that time. But if there is a 22-year-old out there reading this and feeling adrift, I have this to say to you: Been there, done that. And look at me — it all turned out better than fine, right?"

Read her full LinkedIn post here.

Robert Herjavec: Dream bigger.

"If I could share any advice with my 22-year-old self, it would be very simple: Dream bigger," the "Shark Tank" investor writes.

Herjavec says at 22, he didn't dream big enough — and that's why he didn't quite understand how to channel creativity into something tangible. "I didn't know how to translate my people skills into a career I would be passionate about," he explains. "If I'd known I could do these things, I would have done them sooner."

He says he invests in young people who dream big. "Evan and Nick from Tipsy Elves left successful, high-paying careers to jump head first into the crazy world of Christmas sweaters," he says. "Ashley from Natural Grip pursued her vision wholeheartedly, making the first 150 pairs of grips from scraps in the trash at her husband's office. They all dreamt big and made it happen with whatever they had. They taught themselves along the way and made a ton of mistakes, but they never would have tried without those initial dreams."

Read his full LinkedIn post here.

Arianna Huffington: There’s enough time for the important things in life.

"If I could go back in time, I'd introduce my 22-year-old self to a quotation by the writer Brian Andreas: 'Everything changed the day she figured out there was exactly enough time for the important things in her life,'" Huffington writes.

The Huffington Post editor-in-chief notes that out culture is obsessed with time. "It is our personal deficit crisis," she says.

Had she heard that quote when she was 22, Huffington says it would have saved her from the "perpetually harried, stressed-out existence I experienced for so long."

Feeling rushed — or like we don't have enough time to accomplish what we want — which is also known as "time famine," has very real consequences, "from increased stress to diminished satisfaction with your life," she explains. "On the flip side, the feeling of having enough time, or even surplus time, is called 'time affluence.' And though it may be hard to believe, it's actually possible to achieve."

Huffington adds: "As long as success is defined by who works the longest hours, who goes the longest without a vacation, who sleeps the least, who responds to an email at midnight or five in the morning — in essence, who is suffering from the biggest time famine — we're never going to be able to enjoy the benefits of time affluence."

Read her full LinkedIn post here. 

In the last few weeks, concern has grown that US stocks may have peaked. 

Fundstrat Global's Tom Lee isn't so worried. In fact, he's got a 2,325 year-end target for the S&P 500. That's 11% higher from Friday's levels.

"[W]e continue to see a “catch-up” trade for US equities through year-end," Lee wrote in a note to clients.

"The natural question is what is expected to outperform into year-end? In addition to our cyclical tilt, we believe 'contrarian-style' stocks will show leadership into year-end."

Lee defines contrarian stocks loosely as those that have underperformed the market (i.e. lag the Russell 1000 over the past three years), but have improving fundamentals. He handpicked 10 stocks from a pool of 125 that he thinks could be the market through the end of the year.

Ford Motor Company

Ticker: F

Underperformance: -16%

LT expected EPS growth: 75%

Management Outlook: "We are re-confirming that 2015 will be a breakthrough year for Ford as we continue accelerating our One Ford plan, delivering product excellence and driving innovation in every part of the business in a way that benefits all of our stakeholders." (President and CEO Mark Fields)

Outerwall Inc

Ticker: OUTR

Underperformance: -34%

LT expected EPS growth: 18%

Management Outlook: “Outerwall’s strong performance this quarter was the result of continued execution of our strategy of optimizing our core Redbox and Coinstar businesses, scaling ecoATM and improving operational efficiencies across the company. We are leveraging our market-leading brands to drive profitability and deliver value for shareholders, partners and customers.” (Interim CEO Nora M. Denzel)

Progressive Corp

Ticker: PGR

Underperformance: -36%

LT expected EPS growth: 33%

Management Outlook: "It is always a plus to start the year off well and the first quarter, as much as any, presents its share of challenges. I like where we are and our start. I’m looking for confirmation of retention trends behaving as we expect, Agency auto improvements, and continued execution on our Destination Strategy. Combined with strong operational measures, we have every reason to feel the rest of the year could be a strong build from here." (President and CEO Glenn Renwick)

Cost of living makes a big difference when choosing where to move — and not all places were created equal. 

We found the most affordable small town in every state.

To do this we looked at towns with populations between 1,000 and 10,000 whose households spend no more than 30% of their annual income on housing costs. We looked at the average cost of three types of housing — owned houses with a mortgage, owned houses without a mortgage, and rentals — and took a weighted average of these by the proportion of each type of home in the town.

Click here to read more about our methodology.

ALABAMA: Fayetteville

93% of homes are affordable.

An hour south of Birmingham, Fayetteville is actually named after a town in Tennessee from which early residents migrated. Employing over 33% of residents, retail is the most popular industry here, followed by manufacturing, which employs 15% of residents. 

ALASKA: Healy

91.5% of homes are affordable.

Only 11 miles from the Denali National Park and Preserve, Healy offers several lodging and dining options for park visitors, creating a strong tourism industry in the town. However, more than tourism, coal mining in nearby Usibelli Coal Mine makes up most of Healy's livelihood. 

ARIZONA: Quartzsite

93.2% of homes are affordable.

Just 18 miles east of the Colorado River, Quartzsite is best known for its beautiful assortment of rocks and minerals— as evidenced by its name. On first glance it might not sound like the most exciting industry, but the town's gem trade entices thousands of visitors per year. There is even a two-month-long gem show that starts in January. 

Today's most sophisticated aircraft are the stuff of science fiction.

In a few years, drones that can fit in the palm of a person's hand and 117-foot-wingspan behemoths capable of launching satellites into space will both be a reality.

At the same time, drone and advanced fighter technologies will spread beyond the US and Europe, and countries like China, Russia, and Iran may have highly advanced aerial capabilities.

Here's our look at the most game-changing aircraft of the past few years — and the next few to come.

F-35 Lightning II

The F-35 may cost as much as $1.5 trillion over its entire lifetime. But it's also supposed to be the most fearsome military aircraft ever built, a plane that can dogfight, provide close air support, and carry out bombing runs, all with stealth capabilities, a high degree of maneuverability, and the ability to take off and land on aircraft carriers.

It hasn't quite worked out that way so far, and problems with everything from the plane's software system to its engines have both delayed its deployment and made its costs spiral upward. And it isn't nearly as effective at close air-support as existing platforms, like the A-10.

But the US has over 1,700 of them on order. Like it or not, the F-35 will be the US's workhorse warplane for decades to come.

F-22 Raptor

The predecessor to Lockheed Martin's F-35 Lightning II is the single-seat, twin-engine F-22 Raptor, currently the most advanced combat-ready jet.

The US solely operates the world's F-22's thanks to federal law that prohibits the jet from being exported. Lockheed Martin built 195 jets before the last one was delivered to the US Air Force in May of 2012. Despite the program's cost and the jet's advanced features, it saw combat for the first time relatively recently, during the opening phase of the bombing campaign against ISIS.

T-50

Russia's Su-50, also known under the prototype name of the T-50 PAKFA, is the Kremlin's fifth-generation fighter, and its response to the F-35. 

Although still in prototype, Moscow believes that the Su-50 will ultimately be able to outperform the F-35 on key metrics such as speed and maneuverability. However, the stealth capabilities of the Su-50 are believed to be below that of the F-22 and the F-35. 

The Kremlin plans on introducing the Su-50 into service by 2016. Once the plane is combat-ready, it will serve as a base model for the construction of further variants intended for export. India is already co-designing an Su-50 variant with Russia, and Iran and South Korea are possible candidates to buy future models of the plane.