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9 crazy ways to get a caffeine fix without taking a single sip of coffee

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girl drinking coffee smiling

If you're like me, the occasional coffee is all it takes to get a boost of energy on a particularly drowsy morning.

But for those who need a little extra caffeine help, there are other ways to get that buzz.

According to the Mayo Clinic, most adults can safely consume about 400 milligrams, or four cups of coffee, in a day. More than that and you risk raising your heart rate, not to mention feeling jittery and irritable. 

Here are the crazy real ways you can get your coffee fix without ever taking a sip. 

RELATED: Surprising ways that caffeine affects your body and brain

CHECK OUT: I went to the source of the world's best coffee — and saw firsthand why the industry is in trouble

Pills: Usually available in 100 mg and 200 mg varieties, or the rough equivalent of 1-2 8-oz. cups of coffee.

N0-Doz caffeine pills, with 200 mg of caffeine per pill, cost $9.99 for a 60-pill bottle. Pill form versions of caffeine are the most heavily tested of all alternative caffeine options, but it's important to take them only at the suggested dosages. They can be dangerous if taken incorrectly.



Vape pens: Caffeine vaporizers contain 2 mg per puff; a typical serving adds up to 20-40 mg, or about the same as a can of cola.

If inhaling caffeine is more your speed, expect to get about two milligrams a puff out of a caffeine vaporizer. The typical serving will add up to 20-40 milligrams of caffeine — the equivalent of a can of cola — and those made by Eagle Energy Vapor will set you back about $24.99 for a set of 3. So far, the FDA hasn't made a ruling on whether inhaling caffeine is safe.



Patches: Most caffeine patches have about 60 mg of caffeine, or a little more than half a cup of strong coffee.

Caffeine patches such as Spot On, which cost $18.00 for 24 patches, can send the stimulant into your blood stream in a matter of minutes. Each patch contains 60 milligrams of caffeine — roughly the same as a little more than half a cup of coffee — so it's probably best not to overdo it, like the science fair judge from the 2007 Disney movie "Meet the Robinsons."



See the rest of the story at Business Insider

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Japanese billionaire asks $50 million for enormous Manhattan mansion with secret passageways

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7 East 76th Street Limestone Mansion Upper East Side

A six-floor mansion on the "Gold Coast" of Manhattan's Upper East Side has just been listed for $50 million.

The home, at 7 East 76th Street, is chock-full of secrets and amenities spread across its 14,000 square feet. Among its 20 rooms are a wine cellar, maid's quarters, two art galleries, a recreation room, and a sunny solarium.

The property is being sold by Japanese billionaire philanthropist Bungo Shimada, according to the Wall Street JournalShimada told the Journal that maintaining the home in "top form" requires too much effort for his lifestyle. Stan Ponte of Sotheby's International Realty has the listing.

Keep scrolling for a tour of this historic piece of New York real estate. 

SEE ALSO: The 10 most expensive homes you can buy in New York City right now

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Less than a block from Central Park, the townhouse mansion is built entirely of limestone.



Erected in 1898, a massive addition was completed in the 1920s and other updates were made in the late '90s. Historical details like the gorgeous mansard roof have been preserved over the years.



Inside, the entrance parlor has immaculate and original 12 feet high ceilings.



See the rest of the story at Business Insider

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9 clothing brands that offer free fitness classes and apps

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Under Armour

The athletic clothing industry has a new marketing tactic: free classes.

The strategy has been working for Lululemon, which convinces women to shell out $100 for yoga pants without using traditional advertising. 

Here are some brands that will let you work out for free. 

 

SEE ALSO: 11 fitness 'truths' that are doing more harm than good

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Lululemon

This popular athleisure brand offers complimentary in-store yoga led by instructors from studios in your community. Some Lululemon locations also offer free running clubs — all running level abilities welcomed — as well as free crossfit training workouts. Check out what your closest Lululemon store offers.



Nike

Nike+ Run Club is a free app that gives you access and information on all in-store fitness activities. For the running club, just reserve a spot, show up to your local store and run with Nike. Other free fitness activities include Nike+ training club classes for athletes of any level. 



North Face

Training to climb a mountain? North Face stores offer free mountain athletics classes at certain locations. These hour-long workouts are led by trainers, who will run you through drills in order to prepare you for your next outdoor adventure...or just to keep you in shape. 



See the rest of the story at Business Insider

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Inside the diets of Victoria's Secret Angels

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candice swanepoel pizza

Victoria's Secret is notoriously picky about the models it hires.

The select few "Angels" are a core part of the brand's marketing plan and help it control more than 30% of the global lingerie market. 

The models train vigorously— especially before the big annual fashion show.

In addition to working out constantly, many models say that diet is a key part of their strategy to looking good. 

Here's a look at what they eat.

 

SEE ALSO: Top fashion model reveals everything she eats in a day

Elsa Hosk chowed down on an aci bowl with kale, spinach, banana, blueberries, hemp milk, vegan plant protein, toasted coconut, pollen after a workout. She put brain octane oil and grass-fed ghee in her coffee.

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But she claims she eats In-N-Out during Victoria's Secret photo shoots.

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Hosk also indulges in Swedish food.

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See the rest of the story at Business Insider

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GOLDMAN: It's a brutal market, but these 16 stocks look like great buys (DIA, SPY, SPX, QQQ)

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sand digging treasure hunt

It's never easy to pick stocks in the stock market.

But in recent weeks, it's been particularly challenging with correlations, or the degree two stocks are moving in concert, surging to their highest levels in years.

In other words, it doesn't matter how good you are at picking stocks because the whole market is increasingly swinging in the same direction.

"Leaving few stocks unscathed, recent equity turbulence drove S&P 500 stock correlations from 30% to 56%, the highest levels since the 2011 European crisis," said Goldman Sachs' David Kostin. "As correlations spiked, return dispersion – measured as the cross-sectional standard deviation of stock returns – fell, leaving bottom-up stock pickers with a diminished opportunity set for generating alpha."

Kostin expects dispersion to remain low over the next few quarters, so selecting outperforming stocks will be tough.

However, Kostin and his team compiled a list of 35 stocks that have high "dispersion scores," which he describes as companies "much more likely to react to company-specific developments rather than the macro environment."

Below are the 16 companies with high dispersion scores with current prices offering over 25% upside relative to Goldman Sachs analysts' price targets.

CarMax Inc.

Ticker: KMX

Sector: Consumer Discretionary

Dispersion Score: 2.6

Upside to Price Target: 26%

Executive Comment: "So I'm really excited about the core business. In the last several months, I visited lots of ours stores that have been around for 15 and 20 years, some are hitting all-time highs in sales. And then I've been to some of our new grand openings, and it always gets me excited to see how engaged people are to come and work for CarMax and deliver a great consumer offer. So again, for me it's continuing to grow the existing stores and then being able to go after new markets as well," said CEO Thomas Folliard.



Valero Energy Corp.

Ticker: VLO

Sector: Energy

Dispersion Score: 2.5

Upside to Price Target: 27%

Executive Comment: "Try to demonstrate earnings potential for the company through excellent operations, and try to get our multiple to the point where we're not trading at a discount to the peer group, and that's the number one focus," said CEO Joseph Gorder.



Cerner Corp.

Ticker: CERN

Sector: Health Care

Dispersion Score: 4.6

Upside to Price Target: 27%

Executive Comment: "Looking forward, we believe we can build on this momentum, and we remain bullish on new footprint opportunities. Our positive outlook is based on a very large and active pipeline and all-time high levels of new business activity, such as demos, reference calls and visits, and vision center visits," said President Zane Burke.



See the rest of the story at Business Insider

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The remarkable life of Carly Fiorina, tech CEO turned presidential candidate

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Carly Fiorina

Carly Fiorina is running for president having never held a political office. She didn't even qualify for the first primetime debate, but has since emerged as a challenger to Donald Turmp and the rest of the Republican party. 

Despite her lack of political chops, she's a businesswoman who cut her teeth in tech before joining John McCain on the campaign trail as an advisor.

Here's a look at her life from tech trainee to a presidential hopeful.

 

SEE ALSO: From fireworks to jousting, these 13 tech executives have some weird and awesome hobbies

Carly Fiorina was born Cara Carleton Sneed in Austin, Texas. Her father, Joseph Tyree Sneed III, was a federal judge and a deputy attorney general for Richard Nixon.



Growing up, Fiorina's family moved often so she attended five different high schools, including one in Ghana. She ultimately graduated from a high school in Durham, North Carolina.



She also attended a lot of universities. After graduating from Stanford in 1976 with a degree in medieval history and philosophy, she started law school at UCLA. She joined a real estate firm as a receptionist and broker before following her first husband to Italy to teach English. When she returned, she got her MBA from the University of Maryland in 1980 and would later get a Master of Science in Management from MIT in 1989.



See the rest of the story at Business Insider

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How to make an extra $500 a month

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running through fountain happyAfter dealing with your daily grind, the last thing you want to do is more work.

We found an awesome Reddit thread with suggestions on how to make $500 more a month, outside of your current salary.

Posters offered great tips on how to rake in the money without spending too much of your time. We'd never thought of some of these ideas, but we're definitely ready to try some of them out. See what you can do to earn more money!

SEE ALSO: Mark Cuban shares 2 unusual ways for any student to earn some cash on the side

1. Freelance audio transcribe

"It's very easy, the company sends you an audio file which you listen to, type out, and send back. There are heaps of different sites you can sign up with to get files sent to you and if you're good enough you can actually make a lot more than $500/month."—Reddit user Silicone Lube



2. Become a CPR or first aid instructor

"Become a CPR/AED and First Aid instructor. You get to charge what you want for your classes. Most folks charge between $20 and $50 per person. A full blown CPR/AED and First Aid course usually runs about four hours, although most places only want CPR/AED which runs much shorter."—Reddit user HeresMyReason



3. Narrate audiobooks

"Personally, I narrate audiobooks. For anyone wondering how to get into this, go through acx.com. This is Amazon's audio book site that serves self publishers. Rates range wildly, from $50 to $300 dollars per finished audio hour. Usually takes 4 to 6 man hours for an audio hour. Pay rate will depend on experience, success, and backlist."—Reddit user JinDenver



See the rest of the story at Business Insider

A beautiful, potentially toxic event is 'carpeting' the Baltic Sea

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cyanobacteria bloom baltic sea nasa 2015 high res

This striking green-blue image isn't a lost work of Van Gogh — it's a giant, growing bloom of microscopic plants and animals in the Baltic Sea, which NASA photographed from space on August 11.

But don't let its beauty fool you.

NASA suggests the bloom might contain cyanobacteria. The marine bacteria are big oxygen producers but can threaten wildlife if they grow out of control. Some species can also be toxic and threaten the food supply. What's more, cruise ships full of summer tourists might be inadvertently feeding the blooms.

Keep scrolling to see some incredible views of the bloom, including ships cutting through the biological "carpet" that's coating a popular vacation spot.

CHECK OUT: Shocking before-and-after photos of California's mountains make what's happening to the planet obvious

SEE ALSO: These 10 cities have the worst air pollution in the world, and it is up to 15 times dirtier than what is considered healthy

NASA's Landsat 8 satellite constantly photographs the Earth. On August 11, 2015, it captured this section of the Baltic Sea.



Researchers saw what they think is a beautiful bloom of phytoplankton, made mostly of microscopic plants. Some of the colors are false because Landsat 8 can see infrared light — but we can't.



It stretches for hundreds of miles across the sea.



See the rest of the story at Business Insider

These adorable bomb-sniffing rats are saving lives

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Rat sniffing for bomb

In Cambodia an adorable team of workers conduct a daring search for millions of unexploded landmines that can detonate and kill or severely injure innocent people.

Surprisingly, the team is made up mostly of rats — with a few human handlers guiding them. 

The adorable Gambian pouched rats outperform both metal detectors and bomb-sniffing dogs when it comes to finding unexploded devices.

They can also work a lot faster — covering more miles of land, quicker.

A non-profit in Tanzania, Apopo, trains the rats to sniff out the bombs.

CHECK OUT: This city came up with a brilliantly simple solution to its rat infestation problem

UP NEXT: We figured out what those mysterious black animal statues that appeared in the City of London are

Cambodia, and other countries like Vietnam, Mozambique, and Angola contain millions of potentially-deadly unexploded mines. Up to 6 million mines were planted in Cambodian fields during the country's civil war in the 1970s.

Source: NPR



All of these millions of mines need to be dug up by hand, but first they need to be found. There are major hurdles to finding these mines before someone ends up wandering through a field, stepping on it, and potentially losing limbs or worse.



But metal detectors pick up every little scrap of metal that people then have to investigate, and dogs — while good at detecting explosives when trained well — are limited to working with just their own handler.



See the rest of the story at Business Insider

Devastating photos show how wildfires are turning parts of Calfornia into an apocalyptic wasteland

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wildfire

California's water-starved landscape gave way to a series of wildfires earlier this summer that continue to ravage the state. So far, the fires have scorched about 350 square miles, an area which is slightly larger than New York City.

Thousands of people have been forced to evacuate their homes. Resorts and lodges that were once a burgeoning vacation escape are now a pile of debris. And an unknown number of farm animals have been left behind.

The following photos reveal how these wildfires are transforming California into what looks like something out of an apocalyptic horror film, and some of them are very disturbing.

LEARN MORE: An unstoppable force is making California's drought worse

DON'T MISS: Devastating photos of California's wildfires show just how bad it really is

The once elegant decor of the former Harbin Hot Springs Resort in Midtown, California is now covered in ashes after being attacked earlier this month by the Valley Fire.



So far, that conflagration has been the most destructive western wildfire of 2015. But it couldn't erase the eerie smiles on these stone statue's faces.



Deeper inside the resort, the inside of a bathhouse has been destroyed on the inside, but the "SILENCE" sign outside remains almost entirely untouched.



See the rest of the story at Business Insider

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McDonald's is making one mistake that is killing business

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McDonald's

McDonald's is trying to reverse negative sales in the US.

As part of its turnaround, the brand has released numerous new menu items.

Some insiders feel the strategy is making business worse.

"On one hand, McDonald's is talking about menu simplification, while on the other hand they are talking about customization, expanding the line of Quarter Pounders and adding breakfast all day," Richard Adams, a franchisee consultant who worked in corporate offices at McDonald's for nearly two decades, told Business Insider's Hayley Peterson. "They are going in a bunch of different directions and trying to be all things to all people. That's been their problem for the last five or six years."

We highlighted the McDonald's identity crisis in a few photos.

McDonald's took an unapologetic approach in a Big Mac ad in February, saying the brand's food is "not Greek yogurt" and "will never be kale."



Weeks later, McDonald's changed its stance and started testing a breakfast bowl with kale at Southern California locations. Analysts at Janney Capital markets speculate the dark, leafy green could soon be offered in salads or as sandwich toppings.



McDonald's is also taking extreme measures to compete with "better burger" competitors like Five Guys and Shake Shack. Its "create your taste" test includes customizable toppings like guacamole and grilled onions.



See the rest of the story at Business Insider

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6 examples of what a pro photographer can do with the iPhone 6s camera

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One of the biggest iPhone improvements this year is the camera.

It now takes 12-megapixel photos, up from the 8-megapixel shooter on the iPhone 6, and its image sensor has improved to take overall clearer photos.

Sports photographer Brad Mangin was able to test the iPhone 6s camera before its launch on September 25 and gave Tech Insider some examples of what he was able to do with it. (Check out his website here.)

We'll let the photos speak for themselves.







See the rest of the story at Business Insider

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Here's what it's like to eat at the world's oldest restaurant

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Botin restaurant

Nestled in the heart of Madrid is one of Ernest Hemingway's favorite restaurants, Restaurante Sobrino de Botín.

First opened as an inn, the landmark eatery was founded in 1725 by French cook Jean Botín and his wife. It is the world's oldest restaurant according to the Guinness Book of Records.Today, Botín is famed for its rustic Castilian cuisine, including succulent roast meats fired in an oven that's close to 300 years old. 

Keep scrolling to see what it's like to feast on whole suckling pig and delicious Spanish wine at the world's oldest restaurant.   

SEE ALSO: 20 restaurants that will make you want to book a flight to Spain

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The restaurant's name was changed from Casa Botín to Sobrino de Botín ("nephew of Botín") when Mrs. Botín died and her nephew took over. It is now owned by the González family.



Botín has four floors and the air of a traditional Spanish tavern. There are three dining rooms: the bodega ("cellar"), the Castilla room, and the Felipe IV room.



The most famous dishes here are the cochinillo asado ("roast suckling pig") and the cordero asado ("roast lamb").



See the rest of the story at Business Insider

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This dilapidated villa once served as a Caribbean getaway for drug-kingpin Pablo Escobar

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escobar villa

The "King of Cocaine" was the son of a poor Colombian farmer, but by the time he was 35, he was one of the world's wealthiest men, earning $420 million a week in revenue.

At the peak of his power, infamous Medellín cartel boss Pablo Escobar, the original "El Patron," supplied 80% of the global cocaine market and owned a number of ostentatious properties.

Here's a look at his abandoned island compound in the Caribbean.

All photos republished with permission from Stefaan Beernaert.

SEE ALSO: Pablo Escobar: The life and death of one of the biggest cocaine kingpins in history

Located 22 miles from Colombia's port city of Cartagena are the 27 small coral islands that makeup the Islas del Rosario.

Source: Lonely Planet



Escobar built a massive waterfront villa on the largest of the cluster islands, Isla Grande.



Juxtaposed with Escobar's mansion are the approximately 800 islanders on Isla Grande who sustain themselves by fishing and farming.

Source: Atlas Obscura



See the rest of the story at Business Insider

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The 29 coolest new businesses in New York City

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4x3 coolest new businesses in nyc

Many will agree that being your own boss sounds like an appealing lifestyle, but few have what it takes to make it as a small business entrepreneur.

We sought out the freshest, most innovative businesses in New York City, focusing our search on places that have opened within the last five years.

Though we included some tech startups, we mostly focused on brick and mortar shops, since we already published a list on the hottest startups in New York.

Some of these businesses, like a mobile app designed to help you find parking, aim to make your life easier, while others, like a cat cafe, will just make your life more fun.

Did we miss any cool new businesses? Let us know in the comments section.

SEE ALSO: The 21 coolest new businesses in Los Angeles

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Alumnifire

Online platform, based in New York

What it is: A superior professional networking platform for college alumni.

Why it's cool: Many college graduates don't take advantage of their alumni networks, but they should, as nine out of 10 alums would prefer to hire fellow alums. Alumnifire aims to offer a more usable alumni network. Alumnifire allows users to post discussion topics and to private message one another with the end goal of helping connect more job hunters with those hiring.



B.E.C.

148 Eighth Ave., Chelsea, Manhattan

What it is: A bacon, egg, and cheese mecca.

Why it's cool: The mac-and-cheese of breakfast foods has found a home in NYC. Bacon, egg, and cheese sandwiches have long been a comfort food, but B.E.C. is taking it to the gourmet level.

B.E.C. combines toppings like tomato compote with pickled jalepeños to make its bacon, egg, and cheese sandwiches desirable far past the breakfast hour. They also offer a selection of hearty soups and salads throughout the day.



Bierleichen

582 Seneca Ave., Ridgewood, Queens

What it is: A heavy-metal German-style beer hall.

Why it's cool: Queens' new beer bar offers 10 beers on tap, delicious German food such as bratwurst and pretzels, and live music.

If you're not feeling the meat and potatoes, never fear — the bar also offers vegan, gluten-free, and soy-free sausages. And it's all guilt-free, as part of Bierleichen's proceeds go to New York City's Coalition Against Hunger.



See the rest of the story at Business Insider

10 things we want to see in an Apple car

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apple carApple is planning to unveil its own electric vehicle by 2019, according to a Wall Street Journal report. But details about its secret car project dubbed “Titan” remain vague at best.

Sure, we know the company is hiring auto industry veterans and that it is experimenting with autonomous vehicles. But, we don’t know much about what technology will actually be included in the Apple car, nor do we know what the vehicle itself will look like.

However, we do know Apple will likely do what it does best when it enters a new market and take what competitors have done and make it exponentially better. Like Apple did with the smartphone, tablet, and laptop, the company could take the smart car to another level.

So we took a look at some of the most impressive cars on the market — as well as some automakers' concept cars — and pulled together a list of some of the features, functions, and design elements that would make the ideal Apple Car.

Let’s start with what Apple does best, design.

A sleek, aerodynamic design

There’s been no shortage of renderings from designers displaying their vision of an Apple car. But when it comes to what the car will actually look like, well, there’s not much to go on.

However, to make the electric vehicle as energy efficient as possible, the car will need have an aerodynamic design to reduce drag. 

While we don't know exactly what that looks like yet, entrants in a recent Apple concept design contest sponsored by Freelancer.com came up with some pretty good ideas. 

The one shown above was the winner and is described as having external high resolution LED screens front and back for head and taillights, as well as doors that open latterally. 



All-electric with a range of 400 to 500 miles with a single charge

By 2019, Apple will have a lot of competition in the electric car space.

Tesla’s CEO Elon Musk has said he will begin production of his company’s more affordable Tesla Model 3 by 2017, which is expected to have a range of about 250 miles on a single charge. And Audi’s e-tron quattro is expected to go into production in 2018 and will go as far as 310 miles with just one charge.

If Apple is going to compete with these companies and others who are making huge progress in battery life, then it will need to set the bar exceedingly high when it comes to mileage per charge.

While the company will no doubt have to at least match the competition, it would be ideal if it could greatly surpass the expectation and get somewhere between 400 to 500 miles with a single charge.



A super fast charge time

Of course it’s not enough for the company to just extend the range. It also needs to keep the charging time low.

Audi’s e-tron quattro car is said to fully charge in just 50 minutes. Porsche’s latest concept car the Mission E, which is expected to go into production in five years, is said to charge about 80 percent, or get a 250 miles range, in just 15 minutes.

Apple would do well to match this time or beat it.

It would also be impressive if Apple could integrate some sort of solar panels on the vehicle so that the car’s battery could get an extra boost when needed.



See the rest of the story at Business Insider

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The 10 highest-paying cities for CFOs

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If you are pursuing a career as a finance chief, you might want to consider a move to one of the 10 metropolitan areas where CFOs earn the most.

To compile this list, annual salaries were collected from thousands of CFOs who reported their own compensation. Payscale.com then took the median pay in the top 10 cities and compared it to the national average annual pay for CFOs, which is $128,664. 

Keep in mind that there are many factors that will determine the type of compensation you receive in a CFO role. The size of the company you work for, your ability to negotiate a salary, and even the skill sets required will all play a role in your compensation.

We have included each city based on their pay rank along with some helpful information about the median pay across all professions and the cost of living based on national averages. 

Scroll down to see the 10 highest-paying US cities for CFOs. 

SEE ALSO: 6 soft skills CFOs need to be successful leaders

10. Dallas

  • Median Household Income: $58,926
  • Median Home Price: $150,800
  • Unemployment: 4.1%
  • Job Growth (2014): 4%
  • Cost of Living: 8.3% above national average


9. Seattle

  • Median Household Income: $73,561
  • Median Home Price: $370,000
  • Unemployment: 4.4%
  • Job Growth (2014): 3%
  • Cost of Living: 21.3% above national average


8. Atlanta

  • Median Household Income: $57,062
  • Median Home Price: $162,200
  • Unemployment: 5.9%
  • Job Growth (2014): 3.7%
  • Cost of Living: 1.7% below national average


See the rest of the story at Business Insider

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The 25 coolest speakeasies in America

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franklin mortgage & investment co company

Over 80 years ago, bartenders and drinkers alike kept the nation's booze knowledge alive in speakeasies during prohibition. 

While the temperance movement is long gone, the hidden bars prevail. From upscale dress codes to passwords, these establishments transport you back to a time when drinking was an experience.

We dug up the hottest and most exclusive speakeasies throughout the US, where you can sip a proper cocktail and lose yourself in the atmosphere.

Melissa Stanger and Melia Robinson contributed to an earlier version of this post. 

SEE ALSO: 30 iconic American hotel bars everyone should have a drink at

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ATLANTA, GEORGIA

The Chapter Room
5600 Roswell Rd.

Join the Brewniversity craft beer loyalty club to gain access to this modern-day speakeasy in the basement of the Taco Mac, which puts a large emphasis on craft beer. The Chapter Room maintains no fewer than 18 different kinds on draft at a time, as well as many others in bottles. Cozy up to Bobb, the bar's "overseer," and you may also have access to the rare and limited edition beers in his secret stash.



AUSTIN, TEXAS

Midnight Cowboy
313 E. 6th St.

Midnight Cowboy was formerly a massage parlor, and still sports the original "Midnight Cowboy Modeling Oriental Massage" sign out front. Reservations are required and parties can't exceed eight people. Ring the buzzer marked "Harry Craddock" to enjoy creative cocktails, and be sure to leave all your mobile devices behind — they have no place at this lounge.



BALTIMORE, MARYLAND

The Owl Bar
1 E. Chase St.

The Owl Bar is nestled in the historic Hotel Belvedere, which has been serving fancy mixed drinks, beer, and wine for over 100 years. During prohibition, owl statues around the bar would appear to wink if there was whiskey in the basement. The bar served as the stomping grounds for a number of famous and non-famous Baltimore natives. 



See the rest of the story at Business Insider

The sharing economy has changed everything, and these 10 companies are at risk

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Volkswagen Golf GTE Sport ConceptThe rise of the sharing economy has fundamentally changed the business landscape, and some companies are going to have to adapt to survive.

Business Insider last week compiled a list of the biggest winners in the booming sharing economy, based on a report published by Credit Suisse report Friday.

The 10 companies listed below are those that could lose out.

Carried by shifting consumer preferences for lower cost and eco-friendly alternatives, the sharing economy is likely to grow from $15 billion in 2013 to $335 billion by 2025, according to PWC.

And it's here to stay, according to the Credit Suisse note. Almost seven in ten adults in developed and emerging markets say they are willing to participate in the sharing economy, according to an AC Nielsen survey of 30,000 people cited in the note.

Even traditional companies such as Hyatt, Target, and Walgreens, are treating sharing companies as serious competition — or opportunities. 

The likes of BMW, IKEA and Tesla have also jumped on board the sharing economy by establishing collaborations with existing sharing sector companies.

Volkswagen

Rating: UNDERPERFORM

Market Cap: $89.7 billion

About: Volkswagen sales are likely to drop if the sharing economy expands. 

That's being driven by a change in consumer preferences. Car sharing services are seen as a cheaper and more eco-friendly alternative to private car ownership. Credit Suisse noted that using Zipcar rather than the VW-Golf adds up to roughly $555 in monthly savings.

The German car maker is in the news at the moment for allegedly using hidden software to cheat clean-air standards during testing.



BMW

Rating: UNDERPERFORM

Market Cap: $58.34 billion

About: BMW is the world's biggest luxury carmaker.

But as the sharing economy expands, BMW sales are likely to slump as a cost and environment conscious population living in a traffic dense urban environments turn to sharing alternatives such as Zipcar.

BMW has reacted to the expansion of the sharing economy by establishing agreements with rental company Sixt to operate a fleet of 2,900 cars with 390,000 customers.

 



Direct Line Group

Rating: NEUTRAL

Market Cap: $7.67 billion

About: Direct Line is an insurance group based in the UK that sells home, pet, travel, life insurance and more through subsidiaries around the world.

The company is likely to be negatively impacted by the sharing economy as private car ownership falls in favor or car sharing services.

By extension, Direct Line, which offers local insurance services in several countries, will become less popular, since their business hinges on private car ownership.



See the rest of the story at Business Insider

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Here are 18 things Elon Musk has invested in — the good, the bad, and the ugly

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Elon Musk

Elon Musk is worth $13.1 billion as of September 2015, but allegedly doesn't believe in the word "business."

The tech entrepreneur, born in South Africa in 1971, reportedly told Wait But Why earlier this year that "there's no such thing as a business, just pursuit of a goal."

Whatever Musk labels his efforts, he sure has involved himself in a bunch of them — major online payment services, building and launching spacecraft, and trying to cover the world with solar panels, to name a few.

The breadth of his reach is astounding, and it's enough to make anyone feel exhausted.

To cut through that complexity, we've highlighted 18 entities that Musk has reportedly founded, cofounded, invested in, or supported in some way.

1. Musk's first company was Zip2 Corporation — the web's first Yellow Pages — in 1995.

Musk was 24 when he dropped out of graduate school for physics at Stanford University to launch his first company, Zip2 Corporation— a dot-com media company that supplied maps and business directories to online newspapers.

He linked digital online maps from Navteq to a business directory and created the internet's first online Yellow Pages.

Four years later, in 1999, Musk sold the company to computer-manufacturer Compaq for $307 million. At that time, it was the largest amount ever paid for an internet company.



2. He founded online payment company X.com in 1999, which eventually merged with PayPal.

The same year Musk sold Zip2, he used $10 million from the sale to found the online financial-services company X.com.

Musk wanted to focus on the new technology of making payments via email, so he merged his company with a competitor called Confinity— which started the online money transfer process PayPal.

In a heated clash of personalities and egos, however, the cofounders of Confinity fired Musk from the board, then renamed the company PayPal.

The online auction company eBay purchased PayPal in 2002 for $1.5 billion.



3. In 1998, Musk invested in IT company Everdream Corporation, which was eventually sold to Dell.

Cofounded in 1998 by Musk's cousin, Lyndon Rive, Everdream sold desktop management services to small businesses. It also managed and fixed antivirus software, performed data backups, and administered data encryption.

Musk, who was still involved with PayPal at the time, invested in Everdream on the fourth round, according to the Silicon Valley Business Journal.

Rive and his twin brother, Russ, sold the company, headquartered in Fremont, California, to Dell in 2007.



See the rest of the story at Business Insider

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