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10 Devastating Sequestration Cuts That People Are Afraid Will Happen

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plane crash

There's a lot of uncertainty over what the sequestration may actually entail. 

Last year's Budget Control Act provided specific percentages agencies have to cut in order to achieve $1.2 trillion in savings over 10 years. Here's the cost:

There is a 9.4 percent reduction for nonexempt defense agencies

There is also an 8.2 percent reduction for discretionary non-defense agencies

What we don't know is how much leeway agencies will have when it comes to implementation. This has people with money tied up in the government extremely skittish. 

Multiple industry analysts and government officials have speculated on the consequences of a full sequestration. Here's a list of some of the most potentially devastating cuts to essential services that we could see. 

Billions of dollars in cuts in federal cancer research funding

National Institute of Health grants supply a crucial funding mechanism for University-level cancer research, and that could see a major cut as a result of sequestration.

$2.5 billion will be cut from the NIH after sequestration, restricting the agency's ability to give research grants and carry out their own studies into fatal disease and cancer. 

Source: Washington Post



Federal courts could be forced to close an extra day each week.

The Justice Department won't escape sequestration and will also see a major cut in funding. 

As a result, some federal district courts could be closed one day each week. They may also be forced to cut security, impose furloughs or resort to other cost cutting strategies that could increase the waiting period before a trial. 

The federal courts system could see a $555 million loss next year. 

Source: Washington Post



A "hollowed-out" military

The military is already contending with a $487 billion cut over the next ten years as a result of existing budget cuts.

Since the existing funds for the war and military pay are exempt, the remainder of military funding will take a harder hit as well. 

The sequestration would lead to an additional $55 billion cut from the military over nine years, and some analysts think this could national defense to the bone. 

General Martin Dempsey, the chairman of the joint chiefs of staff, says that the cuts will leave the armed forces “hollowed-out”.

Source: The Economist



See the rest of the story at Business Insider

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TRUE CONFESSION: How I Ruined New Year's Eve, One Bad Money Decision After The Next

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new-years-eve-mask

I know that as red-blooded human beings, we're allowed to make a few mistakes every once in a while.

I just wish mine didn't cost so much. 

About two years ago, I turned what should have been a wholesome New Year's celebration into a nightmare –– one bad money decision after the next. 

When all was said and done, I managed to blow close to $700 over the course of six topsy-turvy hours that, in retrospect, weren't really that fun at all. 

It may sound trivial to some, but it's cautionary tales like these I wish people were more transparent about. When it comes to spending, we all give in to temptation (and yes, a little peer pressure) from time to time –– no matter how old or wise we become. 

Like many poor choices, it all started with a little peer pressure.

A pair of long-time friends were in town, so I met them at the swanky W hotel in the lower Manhattan's financial district for a pre-party drink.

I was broke at the time and usually would have tucked a mini bottle of something serious in my clutch and been done with it. But my girlfriends had flown across the country to have a good time, and I knew toasting with a couple of cheep beers in my apartment wouldn't cut it. 

So, naturally, we decided to order a $75 bottle of champagne.



Then I blew $20 on a cab I never needed.

Feeling festive, we left the hotel and made our way to a cab to head uptown.

Here's where I could have saved serious cash. Not only do I live in New York, the land of public transportation, but the city was actually giving away $30,000 worth of FREE cab fare and metro cards to party-goers at the time. 



"Whatever. I've earned this!"

As we lacked both a publicist and a hit reality TV show, we weren't able to get into any of the super exclusive parties going on throughout the city that night. 

I did a little search on the web and found a great-looking party at an East Village venue with four floors, unlimited drinks, and a balloon drop at midnight. 

It also cost $150 for the smallest "VIP Package" available. I'd just gotten a small Christmas bonus, so I justified the price with any shopaholic's go-to mantra:

"Whatever. I've earned this!" 



See the rest of the story at Business Insider

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18 Reasons Why Wall Street Loves Bridge

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Bridge photoshopped

Poker's rise to prominence in the world of finance has pushed bridge, its more mature predecessor, from the limelight.

There's a reason, however, why the best bridge players in the country are almost all investors. Business Insider deputy editor and bridge enthusiast Gus Lubin notes: "Bridge is a complex card game that fits the analytic side of finance, as poker appeals to instincts."

A bridge devotee, Warren Buffett has famously declared, "I wouldn't mind going to jail if I had three cellmates who played bridge." But passion for the game has gotten some on Wall Street in trouble. As recounted in Michael Lewis' House of Cards, Jimmy Cayne played a tournament of bridge while Bear Sterns imploded, an example of antipathy at the executive level that is often compared to Nero playing the fiddle while Rome burned.

Though an intense mental activity, bridge also offers an opportunity to unwind for high-octane individuals. A 1955 issue of Sports Illustratedreferences Eisenhower's love for the game which was his "only effective form of relaxation...The most relaxing thing he could do was to play a game in which the problems were tough, the solutions difficult, but the consequences of error were just a few hundred harmless points written down on a scorepad."

There's no doubt why investors still flock to this challenging test of teamwork, memory, and wits. Bridge can help your intelligence, your health, and your career — and it's fun.

It's a game for 'insiders' that often confounds beginners

Due to the sheer number of rules and complexity involved with bidding, which precedes a hand of bridge, it can be a very difficult game to pick up. The challenge of mastering bridge is a compelling end in and of itself for those with competitive spirits and analytical minds.



Bridge is a workout for your brain

There's no doubt that Wall Streeters enjoy the mental stimulation that accompanies a game of bridge. Warren Buffett once said that bridge has "got to be the best intellectual exercise out there."

Source: Forbes



Opportunities for networking are everywhere

As the following quote shows, you never know who you might meet at a game of bridge:

"One of the reasons I'm here is because of the camaraderie," said a loud and gregarious Philip Krone, a political and urban consultant in Chicago. "What other place are you going to get to play with the chairman of a Fortune 500 company, the counsel general of a major European power, or even a businessman from Shanghai on his way through?"

Source: Chicago Tribune



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The Most Important Finance Books Ever Written

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Reading a good investment book should top your list of New Year's resolutions.

But these books are a dime a dozen. Book stores have sections devoted to investing in the stock market, personal finance, and how to 'get rich quick.'

The 27 books we selected appear on must-read lists repeatedly.  They are the best finance books ever written.

Many of them are niche investment books, focusing on the bond market, futures market, or some other particular feature of investing. Others get down to the basics and have been pillars of the investing world for decades.

If your New Years' Resolution is to increase your financial security, these books are filled with the knowledge you'll need to get there.

Benjamin Graham, 'The Intelligent Investor'

Benjamin Graham was a mentor to Warren Buffett, and is considered to be the father of value investing, which Graham became famous for in both his teachings at Columbia Business School and in his books, including two which appear on this list.

'The Intelligent Investor' was called "the best book about investing ever written" by Warren Buffett.



Philip Fisher, 'Common Stocks and Uncommon Profits'

Philip Fisher's book, which was published in 1958 and titled 'Common Stocks and Uncommon Profits' contains many studies that are still applied heavily by investors nearly 50 years later. It was the first ever investment book to make the New York Times bestseller list.

Fisher's claim to fame was his focus on growth investing. Along with his writing, Fisher founded Fisher and Company, a money management firm, in 1931. He is famous for buying shares in Motorola in 1955 and holding those shares until his death in 2004. In Fisher's opinion, the best time to sell a stock is "almost never."



John Burr Williams, 'The Theory of Investment Value'

John Burr Williams was one of the first financiers to utilize the discounted cash flow theory, which is still an extremely popular method for company evaluation.

Williams is a founder of fundamental analysis and his 1938 book, 'The Theory of Investment Value', is one of the most popular investing books in history. In this book, he articulates the DCF theory and focuses heavily on dividend based valuation.

Williams held four Harvard degrees and taught economics at the University of Wisconsin. Along with 'The Theory of Investment Value', Williams published 'International Trade Under Flexible Exchange Rates' in 1954 as well as many articles for economic journals.



See the rest of the story at Business Insider

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The Best 3D Printers On The Planet

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formlabs 3d printer

So you've decided to jump into the world of 3D printing. Time to pick out your hardware.

With a number of different companies all hawking their product as the latest and greatest, it can be a bit confusing to know where to start.

The most recent issue of Make Magazine offers detailed reviews on a number of popular models of 3D printers, breaking down each of their strengths and weaknesses.

What's the point of a 3D printer you ask? Well, you may not realize it yet, but printing real-world objects is going to be the next big thing in computing.

So which printer should you buy?

 

If you want a printer that's the best entry level device, get a Printrbot LC.

Printrbot is a newer company, but it's already carved out a niche selling what are commonly known to be among the best printers for 3D printing newbies. The Printrbot LC is expandable in every direction, meaning that if you're adventurous enough, you can build it out to print objects as big as you want.

Price:$549



If user community is your priority, get a Replicator 2.

Makerbot has been a driving force in the hobbyist 3D printing world. Its repository of 3D files, Thingiverse, has a hugely active user base where people offer files and ideas to help everyone get the most out of their printers.

Price:$2,199



If ease of use is your priority, get the Afinia H-Series.

This printer ships fully assembled and ready to rock. This is a far cry from most other printers, which often require a bunch of assembly.

Price: $1,499



See the rest of the story at Business Insider

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The Only Strategies You'll Need To Achieve Your Goals In 2013

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It's a new year, and time for your life to become what you want it to be.

Best-selling author Robert Greene brought us the book and so 33 clearer ways to accomplish your goals in 2013.

In the book, Greene writes "the problem for us is that we are trained and prepared for peace, and we are not at all prepared for what confronts us in the real world - war."

Whether it's an office rival, an overbearing boss, or lack of teamwork — Greene's book is a guide to victory in all things conflict. Happy New Year.

The Polarity Strategy

Life is endless battle and conflict, and you cannot fight effectively unless you can identify your enemies. Learn to smoke out your enemies, to spot them by the signs and patterns that reveal hostility. Then, once you have them in your sights, inwardly declare war. Your enemies can fill you with purpose and direction.

 

An excerpt from Robert Greene's The 33 Strategies of War.



The Guerrilla-War-Of-The-Mind Strategy

What most often weighs you down and brings you misery is the past. You must consciously force yourself to react to the present moment. Be ruthless on yourself; do not repeat the same tired methods. Wage guerrilla war on your mind, allowing no static lines of defense — make everything fluid and mobile. 

 

An excerpt from Robert Greene's The 33 Strategies of War.



The Counterbalance Strategy

In the heat of battle, the mind tends to lose its balance. It is vital to keep you presence of mind, maintaining your mental powers, whatever the circumstances. Make the mind tougher by exposing it to adversity. Learn to detach yourself from the chaos of the battlefield. 

 

An excerpt from Robert Greene's The 33 Strategies of War.



See the rest of the story at Business Insider

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Here's A Sneak Peak At Lifetime's Upcoming Casey Anthony Movie

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rob lowe casey anthony movie

The Casey Anthony trial gripped national attention in the summer of 2011, as a young Florida mother faced accusations she murdered her daughter so she could party more.

Two-year-old Caylee Anthony's remains were found in 2008 in a wooded area near her grandparents' house, ABC News reported at the time.

Casey Anthony was charged with first-degree murder in the girl's death but always maintained her innocence and was acquitted in July 2011.

Now Lifetime is tackling the trial that's been called the biggest case since O.J. Simpson.

Premiering Jan. 19 at 8 p.m. EST, Prosecuting Casey Anthony will take a look at the case through the prosecutor's eyes.

The movie is based on prosecutor Jeff Ashton's book about the case and "reveals Ashton’s inside story of the true crime drama that captivated and then shocked the nation," according to a press release from A&E Networks.

This isn't Lifetime's first stab at reexamining a dramatic crime. The network also chronicled the Drew Peterson case in its movie Drew Peterson: Untouchable.

Peterson was found guilty in September of murdering his third wife Kathleen Savio.

To check out the network's interpretation of the Anthony case, tune in to Lifetime in a few weeks.

The movie details the prosecution of Casey Anthony, who was on trial for the murder of her daughter Caylee. The movie is told from prosecutor Jeff Ashton's point of view.

Source: A&E Networks



Actress Virginia Welch plays Casey Anthony, who was acquitted of first-degree murder in June 2011. Anthony was found guilty of four misdemeanor counts of lying to police, however.



After her trial, the real Casey Anthony went into hiding. She's currently being sued by Zenaida Gonzalez, who claims Anthony defamed her when Anthony blamed Caylee's disappearance on a woman with the same name. Anthony is also currently appealing her misdemeanor convictions.

Source: The Orlando Sentinel



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WELCOME TO 2013! These Are The 25 Most Hungover Cities In America

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Happy 2013! It's a brand new year, but for some of us it might be a bit of a rough start. Between the champagne toasts and parties lasting until the wee hours of the morning, a hangover the day after New Year's Eve is pretty standard.

To see which cities have it the worst, we looked at the Center for Disease Control's most recent statistics on binge drinking and Trulia's list of cities with the most bars per capita. We then gave each city a Business Insider Hangover Score based on those two numbers.

The Midwest represented well on the list, proving that when its dark and cold outside, people love to drink. Also making the cut were major destinations such as Boston, Chicago, and New Orleans.

#25 Denver, CO

Business Insider Hangover Score: 24.7

4 bars per 10,000 households

16.8% admitted to binge drinking

The CDC defines binge drinking as having five or more drinks in one sitting for men, and four or more drinks in one sitting for women. The most recent data available was from 2010.

Trulia's figure is derived from the number of bars as reported in the census' County Business Patterns section, divided by the number of households in that metro area.

Source: CDC and Trulia



#24 Portland, OR

Business Insider Hangover Score: 25

5.2 bars per 10,000 households

14.7% admitted to binge drinking

The CDC defines binge drinking as having five or more drinks in one sitting for men, and four or more drinks in one sitting for women. The most recent data available was from 2010.

Trulia's figure is derived from the number of bars as reported in the census' County Business Patterns section, divided by the number of households in that metro area.

Source: CDC and Trulia



#23 El Paso, TX

Business Insider Hangover Score: 25.5

5.6 bars per 10,000 households

14.3% admitted to binge drinking

The CDC defines binge drinking as having five or more drinks in one sitting for men, and four or more drinks in one sitting for women. The most recent data available was from 2010.

Trulia's figure is derived from the number of bars as reported in the census' County Business Patterns section, divided by the number of households in that metro area.

Source: CDC and Trulia



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13 Things That Went Obsolete In 2012

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Steven Sinofsky

A lot more changed in 2012 than you probably realize.

We've gather up a list of thirteen things that you might have used or done in 2011 that you probably didn't have to use or do in 2012.

Small screened smartphones

Apple was the last hold out on this one. It made the iPhone screen 4-inches instead of 3.5-inches. We don't think there's a single new small screened smartphone on the market now. And we don't think that smartphone screens will ever be smaller than 4-inches.



Apple's 30-pin cable was killed by Apple's lightning cable, to the annoyance of many.



Guessing!

There's no longer any need to guess. More than 50% of people in the U.S. now have smartphones. Therefore, if you ever get in a disagreement about something historical or factual with a friend you can just look it up on your phone. Odds are one of you are going to have one. As for emotional/opinionated disagreements, you're smartphone can't help you out with those — yet.



See the rest of the story at Business Insider

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The 10 Sexiest Fictional Brand Spokespeople Of All Time

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Fantanas fanta girls

Admit it. We've all thought about it. Wouldn't it be nice if Mr. Clean or the Orbit girl was, you know, available? Or even a real person?

While researching our list of the sexiest ads of 2012, it occurred to us that certain brand icons have more than mere shelf appeal.

We're not talking about "real" celebrity spokespeople, like Kate Upton for Carl's Jr.. Rather, we stuck to fictional characters, like Fanta's Fantanas.

So here they are, the hottest pieces of branded intellectual property that Madison Avenue has to offer.

Erin Esurance

Erin is probably the only fictional brand character who has ever been fired from her own campaign for being too sexy. The insurance company abandoned the catsuit-wearing spy in 2010 after she became the subject of an alarming amount of online adult-oriented fan-fiction fantasies and drawings.



Mr. Clean

Mr. Clean's brawny mascot first debuted in the late 50s. He's buff, he's bald, and he cleans up after himself. What more could you want?



The Fantanas

Fanta started using the Fantanas, a fictional girl band, to publicize its soda in 2002. There have been four sets of the quartet over the years, with each member representing a different flavor of soda.



See the rest of the story at Business Insider

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The 24 Worst Celebrity Air Rage Incidents

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Alec Baldwin

Celebrities are just like the rest of us, even when they travel, right?

After all, nobody likes the hassles of the airport: taking off your shoes, figuring out the latest baggage rules, or shooing away the paparazzi when you’re just trying to buy a magazine or some M&Ms before your flight.

Okay, so perhaps celebrities have it worse — in some ways — when negotiating their way through air travel.

On the other hand, famous folks also have a colorful track record of freaking out both in airports and while cruising at 30,000 feet.

See the shocking incidents >

Countless news reports detail some celebrity air rage incidents that many of us can relate to: Naomi Campbell went ballistic when her luggage got lost. And Clay Aiken got into a “dispute” with a fellow traveler when his in-flight nap invaded her personal space.

Other incidents get a little more extreme. Actor Alec Baldwin infamously lost his patience — slamming the bathroom door, pounding on the wall, cursing — when asked to quit playing Words With Friends on his phone. Icelandic singer Björk lashed out at a reporter in a Thai airport just for welcoming her to the country. And a near riot took place at London’s Heathrow after Snoop Dogg and some of his entourage were asked to leave a business-class lounge — and almost took down a duty-free shop with them.

The term “air rage” can be applied to anything from smoking onboard a plane to assaulting the flight crew. Andrew Thomas, a professor of international business at University of Akron, founder of Air Rage.org, and author of the book Air Rage: Crisis in the Skies, says that famous people have a higher likelihood of air rage, in large part because they tend to sit closer to the cockpit.

“There is an entitlement factor that goes with folks in the front of the plane, and I would extend that to celebrities as well,” he says. “There is a disproportionate number of air rage incidents that take place in business class — people who are not always used to the answer ‘no.’ ”

The FAA and Department of Homeland Security both monitor air rage incidents on U.S. flights, but they don’t strictly track it on all levels. Security breaches, meanwhile, are reported to the Department of Homeland Security. Technically, the FBI has jurisdiction over airspace, which is why anyone who breaks the rules by “interfering with the flight crew” will often be met by an FBI agent, rather than airport or local police, for questioning upon landing.

An Air Transport Association spokesman says that the airline industry group doesn’t track air rage at all, but that, “anecdotally, the number of unruly incidents, relative to the total number of travelers, is minuscule. Flight attendants do an excellent and commendable job at diffusing the potential for rage onboard.”

Interestingly enough, a striking number of celebrity air rage incidents involve London’s Heathrow Airport. Thomas speculates that the Heathrow problem stems from the fact that it’s the most-traveled international hub — and, perhaps, because of its easy access to the main trigger of in-flight rage: booze. “They really push the duty-free stuff at Heathrow,” he says, “so a lot of people buy their own stuff and carry it on the plane.”

But, for PR reasons, airlines don’t report the vast majority of incidents, unless there’s an extreme case requiring legal action. “The airlines’ unstated policy,” Thomas says, “is to get this passenger the hell out of here — and then let it go.”

Now see the celebrity in-flight incidents >

More From Travel + Leisure:

Susan Boyle

British singing sensation Susan Boyle startled passengers in a VIP lounge at London’s Heathrow Airport with erratic behavior, shouting curse words and singing into a mop.

One witness told the Sun: “She was singing and dancing around, shouting obscenities at full volume.” However, another onlooker told IrishCentral.com that the story was blown out of context. According to that witness, someone asked Boyle to sing and she complied.

But when an irritated flier made a snide comment, she grabbed hold of the mop saying she could sing if she wanted and added, “Oh, excuse me, sir, let me shine your shoes” and used the mop to shine his shoes.

Consequences: A British Airways official stayed with Boyle in a corridor until she boarded the Chicago-bound flight (Boyle was to appear on Oprah in January 2010). British Airways later released a statement: “A customer in the BA lounge on Tuesday was asked to temper their behavior as it was becoming disruptive.”



Billie Joe Armstrong

In September 2011, just before takeoff from San Francisco International Airport, a Southwest Airlines flight attendant asked the Green Day lead singer to pull up his low-sagging pants. According to reports, Armstrong replied: “Don’t you have better things to do than worry about that?” After repeated requests, he became very angry. The flight attendant said, “Pull your pants up or you’re getting off the plane.”

Consequences: Armstrong and his traveling companion were thrown off the Burbank-bound flight. He then Tweeted, “Just got kicked off a southwest flight because my pants sagged too low!” The airline apologized and put him on the next flight out.



Wes Scantlin

“When a grown man cannot purchase a beer on a five-hour flight from Boston to LA, then the airlines are completely losing their minds,” Puddle of Mud lead singer Wes Scantlin told TMZ.

He insisted that he was completely sober and had only wanted to purchase a beer after a two-hour nap on a JetBlue flight he took in September 2012. Officials, however, claim that the rocker was so drunkenly combative and argumentative that his unruly behavior created a public disturbance. When he was denied the drink, Scantlin and a flight attendant got into a verbal altercation and caused the plane to make an emergency landing in Austin, TX.

Consequences: Scantlin was booted off the flight, arrested, and charged with public intoxication. The other passengers each received a letter of apology and a $50 voucher for being grounded for more than an hour in Austin. However, the judge since dropped the charges due to insufficient evidence.



See the rest of the story at Business Insider

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How To Keep The Most Common New Year's Resolutions

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Each New Year brings the feeling of a clean slate and the chance to start over. For many, that means setting goals for self-improvement — and then promptly breaking those resolutions halfway through February.

Maintaining a new routine or promise to yourself takes effort — not only do you have to be ready for the change, you also need the willpower to avoid falling back into old habits.

But more than anything, it takes strategy. Which is why we made a list of the 10 most common New Year's resolutions, along with a bunch of helpful tips to help you stay the course.

Lose weight/get in shape

One of the most common New Year's resolutions for Americans is to hit the gym harder. And even though Bloomberg estimated last year that it would cost as much as $7,979 a year to get in shape, it doesn't have to be that expensive.

There are a ton of iPhone apps that keep track of calories plus budget-friendly weight loss tips to help you reach your goal. Just make sure to get lots of sleep — sleep-deprived people lose 60% less weight when they diet.



Get a (new) job

First, ask yourself key questions about what kind of worker you are before getting your resume in order and starting to network with all the people in your industry. Knowing what tasks you're good at and what your major skills are will help you sift through available jobs.

Not tied down? Consider moving to one of the 14 best cities for finding a job, or away from the 10 worst cities for finding a job



Talk to your mom more

Keeping in touch with people — whether its your mom or your business contacts— is about making priorities for yourself. If you put 20 minutes aside for a phone call or to write an email, chances are you're more likely to do it.

There are a ton of reminder apps to help you schedule your day. Or if you have terrible service, consider switching to a new carrier to get the most out of your phone calls.



See the rest of the story at Business Insider

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12 Sneaky Ways That Big Retailers Track Your Every Move

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holiday shopping lights mall

Retailers are watching you.

In the age of smartphones, online shopping and data, it has become easier than ever for companies to monitor the consumers who give them business.

Retailers employ all sorts of clever tactics from using facial recognition devices to devising customer loyalty programs and cell phone signal trackers.

Then they use the collected data to determine where to place products in the store and how and where to advertise.

While many consumers are unassuming and unaware, a variety of groups are protesting the data collection as an invasion of privacy.

"Trackers" that follow you through the store.

Consumer behavior expert Paco Underhill reveals in his classic book"Why We Buy" that most national retailers hire "trackers," anthropologists that observe consumer behavior. The "trackers" go incognito and are trained as to not draw attention to themselves. 



Picking up your cell phone signal.

Last Black Friday, some U.S. malls rolled out technology that tracked consumers' cell phone signals in stores to track their paths through the mall. This technology is already popular in Europe and Australia. 



Facial recognition technology to track your age and gender.

Retailers are using facial recognition technology to find out more about their core customer. According to the Federal Trade Commission, the technology isn't being used to track individual consumers. Instead, it's used to find out demographic information. 



See the rest of the story at Business Insider

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20 Of Hollywood's Shortest Celebrities

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Kardashian

It's often very hard to tell how tall a celebrity is just from seeing them on the big screen or TV. 

So it shouldn't be surprising that some celebs are much shorter than they appear.

Kim and Kourtney Kardashian barely break the five foot mark even with heels.

They aren't the only A-listers on the short list. 

 

Daniel Radcliffe is among the shortest of the "Harry Potter" group at 5’5."



Dustin Hoffman barely towers over his wife Lisa Gottsege at 5'5."



Woody Allen's leading ladies tower over his 5'5" stature.



See the rest of the story at Business Insider

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The 10 Least Stressful Jobs In 2013

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working

Most employees dream about working at a low-stress job with a substantial salary.

CareerCast.com rated the stress levels of 200 jobs based on physical demand and danger, growth potential, deadlines, travel, environmental conditions, time in the public eye, competitiveness and the possibility of having to save your own or somebody else's life.

Four out of 10 of these jobs are in the healthcare industry, where hiring is expected to rise in 2013. 

According to the Bureau of Labor Statistics, the healthcare and social assistance industry is expected to generate the "largest number of jobs, 5.6 million, at an annual rate of 3.0 percent" between now to 2020. 

The rest of the jobs on this list do not typically require workers to be under tight deadlines and they can often work out of the public eye and without much distractions.

10. Drill Press Operator

Stress Score: 11.32

Median Salary: $31,910 

Job Outlook: 6 percent

"Despite working with heavy machinery in industrial environments, the BLS reports that the work has little danger, and drill press operators typically have the ability to work at their own pace. That makes this profession one of the more desirable careers in the manufacturing industry."

Source: CareerCast



9. Librarian

Stress Score: 10.58

Median Salary: $54,500

Job Outlook: 7 percent

"A peaceful atmosphere and unlimited access to literature makes librarian a welcoming career option for the bookish. Librarians have many careers paths at schools, colleges and universities, city/county funded libraries and in corporate research."

Source: CareerCast



8. Hairstylist

Stress Score: 10.41

Median Salary: $22,500

Job Outlook 14 percent

"A hair stylist often works in a fast-paced environment, with customers coming and going throughout the day. However, interaction with these clients is one of the perks of working as a hair stylist, as many customers become friends. The field is one that promotes creativity, and while salaries are typically low, this is a career funded largely on gratuities, which can be very generous."

Source: CareerCast



See the rest of the story at Business Insider

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The One Glaring Weakness For Each Of The 12 Teams Going Into The NFL Playoffs

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mason crosby green bay packers kicker

The NFL Playoffs are all about exploiting weaknesses.

The awesome stats-centric NFL site Football Outsiders has rankings for all five units on each team (run offense, pass offense, run defense, pass defense, and special teams).

We took a look at these stats to find the one weak point on all 12 teams.

Some of what we found: The Packers and 49ers have terrible kickers, and the Ravens are way worse defensively than you realize.

Atlanta Falcons: Running the ball

Biggest weakness: Run offense (29th)/Special teams (29th)

Biggest strength: Pass offense (10th)

The Falcons can throw the ball (10th) and defend the pass (11th), but struggle to run the ball (29th) or stop the run (20th).



Baltimore Ravens: Stopping the run

Biggest weakness: Run defense (26th)

Biggest strength: Special teams (1st)/Run offense (7th)

The Ravens D has really fallen off this year. They're average against the pass (13th) and below average against the run (26th)



Cincinnati Bengals: Stopping the run

Biggest weakness: Run defense (23rd)

Biggest strength: Special teams (5th)/Pass defense (9th)

Their defense is way better than they're offense. But run D is their worst single unit, right in front of pass offensive (ranked 19th).



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Investment Guru Sir John Templeton's 16 Rules For Investment Success

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john templeton

As an investor, one of your New Year's resolutions may be to polish up on the investment wisdom of our elders.

The famous British investment guru Sir John Templeton has 16 Rules For Investment Success, his best tips on what investors need to keep in mind if they're going to generate positive returns.

His lessons are the end result of a lifetime of knowledge, and include advice on stock selection, going against market sentiment, keeping your cool, and putting investing in perspective.

These words of wisdom provide a solid foundation for success for new investors and an invaluable supplement to existing investors' knowledge of the market.

1. Invest for maximum total real return

Templeton advises investors to be aware of how taxes and inflation erode returns and to avoid putting too much into fixed-income securities, which often fail to retain the purchasing power of the dollars spent to obtain them.

Source: FranklinTempleton.com



2. Invest – don't trade or speculate

This tidbit echoes the words of Jack Bogle to investors: get out of the casino. Templeton warns that over-action can eat into potential profits and eventually results in steady losses.

Source: FranklinTempleton.com



3. Remain flexible and open-minded about types of investment

No one investment vehicle, whether it's bonds, stocks, or futures, works best all the time. That being said, Templeton notes that the S&P 500 has "outperformed inflation, Treasury bills, and corporate bonds in every decade except the '70s."

Source: FranklinTempleton.com



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Alabama Gets A Modern Uniform Upgrade For The BCS Championship Game

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Alabama football

The University of Alabama has one of the most storied programs in college football and their uniform is a classic. But that won't stop Nike from trying to leave its mark on the BCS championship game by giving the Crimson Tide a uniform makeover.

It will be interesting to see how these uniforms are received by Alabama fans. They do have a nice modern look while still maintaining the traditional elements that we have come to recognize as Alabama football. Then again, for some, any change is never good.

Nike is calling the Pro Combat Hypercool uniform their 'most innovative uniform system'



Nike will not make the helmets, but it appears that they will also be wearing a shinier version of their classic crimson helmet



Here is how the new set compares to the current uniform. Notice the colors appear to be more consistent (helmet vs numbers)



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6 Things That Will Almost Certainly Happen In Sports In 2013

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LeBron James

Nothing is harder than trying to predict a championship so far in advance that you don't even know who's playing.

Which means that nothing is dumber than publishing those advance picks for all to see.

See what will happen in sports >

Luckily, almost nobody will remember any of these predictions when the time comes to see them all proven horribly wrong.

Also, by necessity, just to keep my sports pundit cred intact, each of these should be read with the implied disclaimer "Assuming everyone stays healthy." That said, every last prediction is a surefire, rock solid cinch to come true.

The Patriots and 49ers will make Super Bowl XLVII a rerun, kind of.

There's no question about the best game so far this NFL season. That would be two weeks ago. The 49ers and Patriots played a Sunday-night thriller in the Boston rain, with San Francisco withstanding a furious New England comeback to win 41-34.

Everyone said it looked like a preview of Super Bowl XLVII. Everyone was right.

Pick both teams to wind up at the big game in New Orleans. Also figure that game to look a lot like their first meeting. Colin Kaepernick will throw four touchdowns again, with a pair of them going to Michael Crabtree. Tom Brady will throw to anyone with hands, passing for more than 400 yards. In a strange coincidence, the final score will even be exactly the same, 41-34. This time, though, the Pats will be on top and named NFL champs. Again.



The NCAA will spend lots of time in court.

Tyler's Branch's cover story for The Atlantic last year was a watershed, bringing a flood of calls for change to the lie of amateurism. In 2013, the NCAA will see those waters rise. Especially in California, where a lawsuit against the organization is moving along nicely.

The suit has 15 named plaintiffs including former college basketball stars Ed O'Bannon and Bill Russell, alleging that their names, images, and likenesses were illegally used by the NCAA. Newly opened court documents showed that the NCAA knew video-game manufacturer Electronic Arts made products with characters matching "as closely as possible the real-life characteristics" of players.

The players, of course, get no cash for it. Just as they get no money from all the replicas of their jerseys sold, or the trading cards with their pictures on it, let alone the ticket sales and TV revenue. That's because the NCAA makes all student-athletes sign forms relinquishing any rights to compensation for their name or likeness. In perpetuity. The lawsuit alleges doing so is a violation of anti-trust. If the courts agree, the NCAA's house of cards could come down. The much-discussed ascendency of the super-conference will finally be at hand. Meet the new boss?



The NBA Finals will also be a rerun, kind of.

Games are happening now, but the NBA season starts in earnest after the mid-February All-Star break, when teams begin pushing for the playoffs. When a champion is finally crowned in June, expect another party in South Beach.

The Thunder will come out of the Western Conference again. This year, even without James Harden, OKC are better on both sides of the ball. OKC's offense is scoring more per possession, at a rate of 114.1 per 100 possessions. That's good enough to lead the league. The Thunder's margin of victory is also league-leading at 9.5 points per game. Defense? Oklahoma City allowed 96.9 points a game last year, but just 96.3 so far in this campaign.

But it's LeBron's world. Durant and company will find that out, just like last year. Why wouldn't the Heat repeat? James is the world's best player. Last season he finally got his ring, plus a Finals MVP, which knocked the monkey whispering "You can't win the big one" off his back. Besides, Dwyane Wade is looking ageless again. Ray Allen usually wakes up around payoff time. There's no one in the East to stop them; not woeful-looking Boston, not even the Knicks with Amar'e Stoudemire back. The Thunder should put up a better fight. But it'll be two straight for the king.



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10 Stocks That Got Shredded By Short Sellers In 2012

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bug shredded

Investors don't have to disclose their short positions on stocks.  So while a review of SEC filings can give you an idea of what investors like, it's hard to tell what they hate.

SunGard, one of the largest financial technology companies in the world has a product called Astec Analytics, which tracks securities lending data — a proxy for short selling.

They shared their data with us, breaking down the most shorted stocks of 2012 down sector by sector. The stocks are ranked by the total amount borrowing fees collected. SunGard then picked the most interesting stocks from the top end of the list of stocks shorted by volume.

There aren't too many shockers in the top spots — Research In Motion and Facebook both get nods — but the runners up may catch you by surprise.

Some of them are extremely expensive to borrow (as you know short sellers borrow stocks, they don't purchase them until the end of the trade) — SunGard included the cost to borrow these stocks over a year ("annualized borrowing cost") to give you sense of how big a bet investors were willing to make on these companies.

Automobiles & Components

Tesla Motors (TSLA) – 30 million shares borrowed, 48% annualized borrowing cost:

Mitt Romney called it a “loser” in the Presidential debates while expiring ‘green’ subsidies in the US bring uncertainty surrounding the electric vehicle maker’s future.

Runners Up:
General Motors (GM) – 58 million shares borrowed, 2% annualized borrowing cost
Ford Motors (F) – 233 million shares borrowed, 1% annualized borrowing cost



Consumer Staples, Food & Tobacco

Green Mountain Coffee Roasters Inc. (GMCR) - 42 million shares borrowed, 14% annualized borrowing cost

The expiry of the patents on its successful k-cup instant coffee pod in September have been keeping pressure on GMCR ever since, despite decent earnings results.

Runners Up:
Star Scientific Inc. (STSI) - 33 million shares borrowed, 88% annualized borrowing cost
Supervalu Inc. (SVU) - 106 million shares borrowed, 77% annualized borrowing cost



Energy

Sandridge Energy (SD) - 78 million shares borrowed, 62% annualized borrowing cost

Lawsuits against members of the board, a lack of confidence and a number of analyst downgrades saw short interest rocket in the last months of 2012.

Runners Up:
First Solar Inc. (FSLR) - 28 million shares borrowed, 21% annualized borrowing cost
Kinder Morgan Energy (KMP) - 4 million shares borrowed, 3% annualized borrowing cost



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