I’m a photography buff, and was always fascinated by images of Iceland — particularly the stark landscapes and eccentric architecture.

When we finally got a chance to visit, my photographer and I were determined to make the most of the opportunity.  

Iceland’s clean air and long hours of light created the perfect shooting conditions for everything from food close-ups to panoramas.

As you can see in our travel video, Reykjavik is filled with visually compelling locations.

We played with light and shadow inside Hallgrims church, and turned a graffiti tunnel into a fashion backdrop. We drove around the island in a jeep, and saw isolated waterfalls and black sand beaches, which were far more interesting to photograph than the usual Golden Circle tourist stops. We also shot a fashion editorial inspired by Game of Thrones, since the TV show is partly filmed in Iceland.

Disclaimer: La Carmina and her photographer were hosted by Visit Reykjavik and Salty Tours.

SEE ALSO: 22 photos that show Seoul's strange k-pop culture

Iceland's distinctive black sand beaches were the perfect backdrop for a Gothic fashion photoshoot.

My braided hair and long bell-sleeves are inspired by HBO’s Game of Thrones. The TV show films the “Wall” and “North” scenes in Iceland.

Salty Tours took us on a photo-focused nature journey. We stopped to take iPhone selfies with a herd of Icelandic horses.

A Cincinnati man took a marriage proposal to the height of nerdy sweetness when he built a computer game for the express purpose of proposing to his girlfriend, Lauren Woodrick.

Austin Piech says the pair had been dating for a few years when he "realized that if I was going to spend the rest of my life with someone, there wasn't anyone better than her,"according to his post on Reddit.

Lauren knew he'd been coding a homemade game for a few weeks, and Austin asked her to be the first one to test it out. But the game was actually a virtual tour of levels inspired by significant moments in their lives, like their first date.

And the whole time, a ring was hidden behind the computer.

As Lauren played the last level, her character passed by little mariachis playing the same song Austin's grandfather played for his grandmother when he proposed.

Lauren giggled at this and then the screen spelled out: "It's dangerous to go alone. Take this!"

At that moment Austin said, "Will you marry me?"

She said yes and started that wonderful laugh-cry familiar to anyone who has just been overcome with emotion.

You can see the entire video game journey leading up to the proposal in the screenshots below — annotated by Austin himself — or scroll to the bottom to watch the full video.

The first thing she saw: "The ominous flash file," Austin says.

Level 1: "Our first time really getting to know each other had been at Bockfest (a street festival celebrating high gravity beer and also goats) in Cincinnati, OH. We had been friends-of-friends before."

"Anyone who lives in Cincinnati can tell you that our streets are so terrible it's like living in an actual platformer."

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Your money habits can make you rich or put you in the poor house. According to a recent study by Brown University, in which nearly 50,000 families were surveyed, most of the habits we pick up in life come from our parents.

This includes money habits.

If your parents had bad money habits, it is likely those habits rubbed off on you. But in order to change bad money habits you need to first become aware of them.

Below are some destructive money habits that I uncovered in my five-year study on the daily habits of the rich and poor that will put you in the poor house unless you eliminate them.

SEE ALSO: How to know if you're rich

Gambling habits

Gambling is not a sound plan to lift you out of poverty. Gambling relies on random luck. The odds of winning Powerball are 1 in 175 million. That's basically zero.

Seventy-seven percent of the poor — defined as having an annual income of $35,000 or less and a liquid net worth of $5,000 or less — admitted to playing the lottery regularly, versus 6% of the rich, defined as having an annual income of $160,000 or more and a liquid net worth of $3.2 million or more.

But it's not just the lottery they gamble their money on: 52% of the poor admit that they gamble on sports at least once a week versus 16% of the wealthy.

Time-wasting habits

Time is money. The rich understand this. Sixty-five percent of the rich created at least three streams of income during their lives. Conversely, the poor all relied on one stream of income. They didn't invest their time wisely in building their careers or building a side business.

In my study, I uncovered many time-wasters the poor engaged in that ultimately cost them money: Seventy-seven percent of the poor admitted to watching more than one hour of TV each day.

Their preference? Reality TV wins hands-down. Seventy-eight percent of the poor watch reality TV shows.

The rich, on the other hand, are not big on TV. Sixty-seven percent watch less than an hour each day, and it's not reality TV that they tune into. Only 6% watch reality TV.

Another time waster is the internet. Seventy-four percent of the poor in my study spent more than an hour each day on the internet. These days that means Facebook, Twitter, Instagram, Snapchat, or YouTube.

Conversely, 63% of the rich spent less than an hour each day on the internet. This freed up more time to read for self-education. While many of the poor in my study said they read regularly, 79% admitted that they read strictly for entertainment.

Only 11% of the rich said that they read for entertainment. Instead, they focused their reading on self-education: biographies of successful individuals, career-related reading, self-help, history, and money matters.

When you're wasting your time watching TV, on social media, or reading for entertainment, it leaves little time to do productive things like reading to learn, building relationships with other success-minded individuals, via networking or volunteering, or building a side business.

Time does not discriminate. Everyone gets 24 hours, rich or poor. The rich simply choose to spend their time differently, doing things that are productive.

Bad spending habits

The rich in my study made a habit of tracking their spending in the early days of building their wealth. It's easy to lose sight of where your money is going. If you don't have a lot of money you need to get into the habit of tracking every penny.

The poor in my study didn't. I uncovered certain poor spending habits that held the poor back in life: Ninety-three percent admitted that they did not budget their spending.

Sixty-six percent admitted that they were not frugal with their money. They had a bad habit of making spontaneous purchases with their money.

Oftentimes, this required them to use credit cards. Eighty-eight percent of the poor in my study had over $5,000 in revolving credit-card debt. Sixty-nine percent used those credit cards to purchase big-ticket items. And 77% had multiple credit cards. Conversely, 92% of the rich relied on only one credit card.

Sixty-eight percent of the poor said they don't use coupons.

Sixty-one percent of the poor did not own their homes — they rented them — while 100% of the rich owned their homes. When you don't own you home, you are unable to build home equity, which comes in handy when you retire or to help your kids with college costs.

Bargain hunting is a crucial skill to have when you're grocery shopping.

But it's just as important to know which grocery items are worth forking over more money for.

Not everything needs to be organic, but some items should be.

We consulted experts on where you should spend and save at the store. 

SEE ALSO: How to choose the healthiest foods at the grocery store for the least amount of money

Splurge: The produce "dirty dozen"

Not all produce items were created equal. Some items are worth buying organic (which is generally more expensive), as the non0rganic versions often contain more pesticides. 

On her website Cook Smarts, expert Jess Dang advises readers and clients to buy the "dirty dozen" organic — and not to worry about the rest. These include apples, cherries, grapes, blueberries, strawberries, peaches, nectarines, celery, lettuce, spinach, kale, and collards, sweet bell peppers, and potatoes. 

Save: Other produce that falls in the "clean fifteen"

Items like onions, cabbage, corn, and mushrooms, among other fruits and vegetables — known as the "clean fifteen"— will be fine if they're not organic because they have little to no pesticide traces as they are. 

Splurge: Dark chocolate

"Good chocolate has way fewer additives and sugar and really allows for the cocoa to shine through. Otherwise, you're not really eating chocolate because you enjoy chocolate, but just getting a hit of sugar and other additives," Dang said to Business Insider.

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Get your selfie stick ready! Social media has become an integral part of our lives, and that applies to our traveling tendencies, too.

Over 80 percent of travelers in the planning process head to outlets such as Facebook, Twitter, and Instagram for inspiration, and for good reason — just as many vacationers are posting their wanderlust-inducing photos to these sites.

It seems you can't scroll through more than four or five Instagram posts before you land on a friend or celebrity's pic of their current locale.

From London to Bangkok, these are the 10 most Instagrammed destinations in the world. 

While the majority that make the list make perfect sense, you may be surprised by which popular spots don't get a ton of hashtag love...we thought everyone shared #nomnomnom #pasta pics from Rome! (It just misses the top 10, coming in at #12.) Where have you taken your favorite Instagram travel pics?

SEE ALSO: The most Instagrammed location in every state

DON'T FORGET: Follow Business Insider's Lifestyle page on Facebook!

10. Bangkok

A photo posted by ABSOLUTE BESPOKE (@absolutebespoke) on Sep 29, 2015 at 4:12am PDT

Though the devastating Erawan Shrine bomb attack this summer has already demonstrated it's negative effect on Thailand's tourism, Bangkok is nonetheless projected to be the second most-visited city in the world in 2015, with over 18 million international visitors.

And with those millions of visitors comes millions of Instagram posts, putting the Asian capital in the tenth spot on the list. From modern monuments (like the one above) to ancient temples, the city is full of sites worthy of a shared pic.

9. Amsterdam

A photo posted by Ilse 😽 (@ilse.dijkstra) on Sep 29, 2015 at 10:21am PDT

Amsterdam is a small city, but it's a beautiful city -- which is why it lands on the top 10 list. Every cobblestone street, lined by quaint, historic townhouses and bustling with locals on bicycles, provides an ideal backdrop for a selfie.

And, for better or worse, #Amsterdamweed is a hugely popular hashtag.

8. Singapore

A photo posted by David Hoffmann (@davidsbeenhere) on Sep 28, 2015 at 4:49am PDT

After Bangkok and Dubai, Singapore is the most visited destination in Asia. Travelers come to the city-state, with the world's busiest port, to take in the awe-inducing juxtaposition of modern skyscrapers interspersed among traditional temples and gardens.

The local culture is also a mix of influences, including nods to China, Malaysia, and India, and numerous high-energy (and highly photogenic) events take place throughout the year.

Money can buy many things, but can it purchase happiness?

To find out, GOBankingRates asked several popular personal finance writers and bloggers whether money can, indeed, make you happy.

While all agree that cash can't actually purchase contentment, they say money can offer people the opportunity to do things that will bring joy to their lives. Money also helps eliminate some of the worries that make it hard to be blissful.

Read on for 12 ways money can bring happiness.

SEE ALSO: Here's How Money CAN Buy Happiness

1. Money lets you live the life you want.

Robert Farrington’s blog The College Investor helps millennials get out of student-loan debt and build wealth. He has learned that money can help create happiness because it lets you live the lifestyle you want — whether that is taking vacations, going out to dinner with friends or even buying things that make life easier.

For example, Farrington wanted a lifestyle that revolved around his family. "Money has brought me happiness because it has allowed my wife to fulfill her dream of staying home to raise our son," he said.

"Remember, work to live, don’t live to work," he added.

Related: 15 Things Wealthy People Do Every Day

2. Money makes frugality a choice.

Although she claims to be a "broke girl" living in New York City, Stefanie O'Connell of The Broke and Beautiful Life said she recently has started to make enough money that frugality has become a choice rather than a necessity. With more money, she now has more options.

"Being limited in what you can buy, or do, or give, or experience because of insufficient funds is undeniably frustrating. Money is a tool that can be leveraged to lift those limitations," she said. "Having that kind of flexibility in my finances, and in my life in general, makes me happy and grateful every day."

Read: 1 in 5 Americans Has Trouble Sticking to a Budget

3. Money can buy experiences.

Lance Cothern, a certified public accountant, said he has been interested in money for as long as he can remember. He created the Money Manifesto blog to help others better manage their money.

Cothern said that having money enables his family to have adventures that continue to bring them joy long after they have returned from their travels. “I believe money brings us happiness because it allows us to experience the things we dream of doing," he said. “Without money, many of us would never be able to experience that once-in-a-lifetime trip to Europe or Alaska that you’ve always dreamed about."

Every fall, Trader Joe's fans wait impatiently for its latest selection of pumpkin products.

From pumpkin coffee to pumpkin pie, the items fly off the shelves as customers rush to get their favorites.

But it's not just your typical pumpkin-flavored fare. This year, Trader Joe's added everything from pumpkin seed tortilla chips to pumpkin croissants.

Though Trader Joe's was too tight-lipped to tell us how many seasonal products they have, a sales associate told there were was at least two per section. That's at least 40 products, and last year it was rumored there were around 35.

Keep reading to see the best Trader Joe's pumpkin products this season. Did we miss your favorite? Add it in the comments!

Let's start with breakfast: There were pumpkin-flavored breakfast bars.

Trader Joe's famous O's also got the pumpkin treatment.

Breakfast wouldn't be complete without some pumpkin spice granola.

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You might be under the impression that you live in a small space.

This may be the case, but I can guarantee that it is not as tiny as professional chef Grayson Altenberg's new apartment on the Upper West Side of Manhattan.

A recent New York transplant from the Midwest, the 22-year-old moved into a 100-square-foot studio this summer and hasn't regretted his decision.

Yet.

The media — The Village Voice, the New York Post, and the "Today" show, for example — has gawked at his extremely compact lifestyle, but Altenberg says he's happy to occupy his 100-square-foot space.

A line cook at Lincoln Ristorante, we were intrigued that a restaurant professional could stand to live in a space that has no counter tops for slicing, dicing, and chopping — not to mention a stove.

Turns out, he's perfectly capable of making a delicious dish with just a hot plate, mini fridge, and portable tray. Take a look at his process, and a — very quick — tour of his place.

SEE ALSO: This chef, who lives in a 100-square-foot apartment, is proof that kids will do anything to live in New York

This shows most of Altenberg's apartment — behind me, there's a closet-sized toilet "room," and to the left is a shower. And yes, that is a cast-iron skillet hanging right above his pillows. He sleeps on an air mattress.

Altenberg has to be smart about organizing his belongings. He's got these nifty shelves for his dry food and a shoe rack just to the left.

He also keeps some cookbooks around — inspiration for an aspiring chef.

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Carl Icahn warns that trouble is coming to the financial markets.

In a new video titled "Danger Ahead," the billionaire Wall Street veteran lays out the major problems coming out of both Washington and Wall Street to argue that what's coming next will be "very dangerous and could be disastrous."

He started by explaining why Donald Trump had become so popular in the presidential polls. It boils down to a frustrated American public, angered by how little reform has been passed to stimulate growth. Two key issues Icahn argues must be addressed are the carried-interest tax loophole for investors and the exorbitant repatriation tax that discourages multinational companies from bringing their profits back to the US.

For the financial markets and the economy, Icahn says the core problem is the Federal Reserve and its ultra-easy, zero-interest-rate policy. While Icahn credits the Fed with getting us out of the most recent crisis by using these policy tools, he also argues that it was the Fed that got us into that crisis to begin with.

Icahn observed that while low rates are intended to boost business investment, in reality they have actually led corporate managers to employ financial engineering and accounting shenanigans to boost earnings per share.

Icahn offers a very straightforward and chilling summary of what he believes to be an unsustainable and fragile set of circumstances that are propping up the stock market. And in the end we're left wondering whether we could repeat what we saw during the financial crisis. Or worse.

Below is a summary of Icahn's warning about the stock market.

SEE ALSO: The stock market has a big problem

The irony of low interest rates is that they helped create the earnings mirage.

"What they're doing with the money is almost perverse," Icahn said.

Rather than using cheap financing to invest in business and equipment, Icahn observed, companies are engaging in financial engineering to boost earnings and ultimately their stock prices.

The earnings we hear about are very suspect because they exclude a lot of things.

Instead of investing for growth, companies will just use money to buy other companies to create the perception of growing earnings.

NOW WATCH: RED EVERYWHERE: It’s a global market meltdown

It is a critical time for the global economy.

On the one hand, countries are seeing higher unemployment and lower growth. On the other hand, some economists believe we might be on the edge of the "fourth industrial revolution," with new developments and new ways of consuming.

"Whether economies get trapped in the new normal or harvest the benefits of the latest innovations for their societies will crucially depend on their levels of competitiveness," writes Richard Samas of the World Economic Forum.

With that in mind, the World Economic Forum's founder, Klaus Schwab, and Columbia University professor Xavier Sala-i-Martin put together its 2015-2016 Global Competitiveness report, ranking the competitiveness of 140 countries.

Countries were ranked according to the "12 pillars of competitiveness," such as infrastructure and innovation.

We put together a list of the top 33 most competitive countries in the world, including various scores. Each number represents the country's rank in the world out of 140.

33. Spain

How Spain holds up in basic requirements:
Institutions: 65
Infrastructure: 10
Macroeconomic environment: 116
Health and primary education: 32

Its standout factors: Infrastructure (10) and market size (15)

The most problematic factor for doing business: Access to financing

Source: World Economic Forum

32. Thailand

How Thailand holds up in basic requirements:
Institutions: 82
Infrastructure: 44
Macroeconomic environment: 27
Health and primary education: 67

Its standout factors: Market size (18) and macroeconomic development (27)

The most problematic factor for doing business: Government instability and coups

Source: World Economic Forum

31. Czech Republic

How Czech Republic holds up in basic requirements:
Institutions: 57
Infrastructure: 41
Macroeconomic environment: 21
Health and primary education: 27

Its standout factors: Macroeconomic environment (21) and financial-market development (24)

The most problematic factor for doing business: Inefficient government bureaucracy

Source: World Economic Forum

NOW WATCH: RED EVERYWHERE: It’s a global market meltdown

Albert Einstein is revered for his scientific intellect, which laid the foundations for modern-day physics and earned him introductions with some of the most exclusive people on Earth.

His opinions on race, politics, and war were also incredibly progressive for their time. Some even say that we will never see the likes of another Einstein again.

Here's how a man, who "had no understanding of how to relate to people," became history's most beloved scientist.

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Albert Einstein was born in Ulm, Germany on March 14, 1879 to Pauline Koch and Hermann Einstein.

Albert Einstein was the elder of the two – his younger sister, Maria Einstein, was born about two years later in Nov. 1881.

Einstein reportedly was slow in learning how to talk. That, combined with his tendency to whisper words softly to himself before saying them aloud led the family maid to nick name him "der Depperte"— the dopey one.

Source: Einstein: His Life and Universe

Einstein's parents were concerned about his intelligence because he was slow to learn to speak.

One year after Einstein was born, his father, mother, and uncle moved to Munich — to establish an electrical engineering company — where Einstein earned the bulk of his early education.

The secondary school he attended was eventually named after him and called the Albert Einstein Gymnasium before merging with another school in 2010.

Source: Einstein: His Life and Universe

Einstein developed a passion for music in his early teens.

Einstein began violin lessons at age 5 but didn't enjoy music until age 13, when he discovered Mozart's violin sonatas. After that, the young genius was hooked and would play the violin in string quartets later as a young adult and throughout the rest of his life.

"Mozart's music is so pure and beautiful that I see it as a reflection of the inner beauty of the universe itself," Einstein later told a friend.

Source: Charles Chaplain: My Autobiography

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In Uzbekistan, an eerie ship graveyard filled with hauntingly beautiful shipwrecks beckons.

The Moynaq Ship Graveyard is literally a ghost town in the middle of the desert.

It was once a busy Soviet fishing port on the Aral Sea — once one of the four largest lakes in the world — but today, nothing but desert remains.

Let's take a closer look and see how these ships came to be stranded in the middle of the desert. 

SEE ALSO: These pictures will make you want to visit Pompeii, which was covered under a layer of volcanic ash thousands of years ago

FOLLOW US: BI Travel is on Twitter!

Once one of the four largest lakes in the world (it was 26,300 square miles), the Aral Sea dried up when the rivers feeding it were diverted for irrigation purposes.

Aral Sea translates to "Sea of Islands" for the over 1,100 islands it was once home to. Today, dozens of ships are disintegrating in the scorching desert heat.

Today, the nearest shore is almost 100 miles away.

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Most college kids get jobs as waiters or lifeguards or tutors when they need extra cash.

I did something slightly less conventional.

My sophomore year of college I landed a part-time job as a janitor. I made just $6.25 an hour, and it wasn't glamorous, but it was one of the best life experiences I've had to date. Why? I learned some invaluable lessons that have stuck with me every day since.

Here are a few that stand out:

SEE ALSO: A former Goldman Sachs employee who launched a startup says the best piece of career advice she ever received is just 3 words

1. People are generally self-absorbed.

Many people don't think about how their actions – even seemingly insignificant ones — affect others.

For instance, when people go to the bathroom, they aren't thinking about aiming right so someone else doesn't have to clean up their mess, or about picking up the paper towel when their free-throw misses the trash can. No. They are thinking about finishing their business as quickly as possible so they can get out and get on with their life.

When I first started working as a janitor, this type of self-absorption annoyed me — it got under my skin. But I eventually accepted it because I know we all have a lot going on in our lives and we're all guilty of being at least a little bit self-absorbed. Plus, it was my job to clean up other people's messes. That's what I signed up for, and what I was paid to do.

2. Just because someone is your boss doesn't mean they are best suited to be your boss.

No one is perfect. Managers are human and have faults and doubts just like everyone else. But some bosses are really just not meant to be leaders.

Even at the janitorial level, this truth struck me hard when I noticed some of the "head janitors" gossiping with employees about colleagues in a mean manner. I couldn't believe they would stoop to that level of unprofessionalism — but I learned a good lesson: You should never put your boss on a pedestal.

I realized that just because someone lands a managerial role doesn't mean they actually deserve it (or will be good at it). 

3. People in all lines of work go on "power trips"— even janitors.

Considering I was slightly embarrassed to have to wear a bright orange janitor uniform in the first few days of my employment, I was surprised at the competitive race for managerial positions that I sometimes observed at work.

Then, once someone received a promotion, they often went overboard with discipline and micromanagement.

I finally understood the word "power trip," or the phenomenon of people in higher up positions making their subordinates' lives difficult just because they can. And I learned that you can't make a power trip go away — you just have to accept it and choose your battles wisely.

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An assortment of one-, two- and three-bedroom apartments (and houses, should your search extend to Staten Island) are for sale this week for $600,000.

We’ve already done the legwork, so sit back and browse below.

SEE ALSO: What NYC's most famous fictional apartments would cost in real life

DON'T FORGET: Follow Business Insider's Lifestyle page on Facebook!

Prospect Heights, Brooklyn

A one-bedroom, one-bath condo with radiant floor heating and a washer/dryer in an elevator building with a rooftop terrace at 735-737 Bergen Street (between Underhill and Grand).

$605,000 plus $473/month common charges, $324/month taxes.

Central Harlem, Manhattan

A two-bedroom, one-bath condo with a pass-through, windowed kitchen and two closets in each bedroom on the fourth floor of a building with a common courtyard located at 233 West 134th Street (between Frederick Douglass Boulevard and Adam Clayton Powell Junior Boulevard).

$600,000 plus $500/month common charges (includes heat and hot water), $89/month taxes.

Chelsea, Manhattan

A one-bedroom, one-bath co-op with exposed brick and a working fireplace in a prewar, pet-friendly building at 252 West 20th Street (between Seventh and Eighth).

$615,000 plus $1,019/month maintenance.

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Houses cost a lot of money. Finding more bang for your buck can be a challenge of being in the market for a home.

RealtyTrac, which analyzes US property data, identified the most affordable places to live in the US.

Surveying 582 counties across the country, the firm compiled home price and wage data. They developed a ranking of affordability by dividing the region's average mortgage payment by average weekly wages.

From RealtyTrac's findings, we compiled the list of the 14 most affordable counties in the US that are part of a metropolitan statistical area. 

For the most part the counties were in the Midwest and South. Missouri, South Carolina, Michigan, and Ohio all placed multiple counties in the list.

Check out the full list below with the metro area, affordability score, average house price, and average weekly wages. The list is from less affordable to the most.

14. Philadelphia, PA

Metro Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD

Affordability Percentage: 14.9%

Average Home Price: $120,956

Average Weekly Wage: $1,214

Source: RealtyTrac

13. Trumbull, OH

Metro Area: Youngstown-Warren-Boardman, OH-PA

Affordability Percentage: 14.5%

Average Home Price: $68,133

Average Weekly Wage: $785

Source: RealtyTrac

12. Bay, MI

Metro Area: Bay City, MI

Affordability Percentage: 14.5%

Average Home Price: $55,016

Average Weekly Wage: $694

Source: RealtyTrac

NOW WATCH: RED EVERYWHERE: It’s a global market meltdown

Commodities trading and mining business Glencore has seen its share price destroyed over the last week, falling 29% on Monday alone.

Investors are worrying how the company will deal with its huge net debt pile, worth $30 billion (£20 million), as copper prices fall. Glencore is not especially profitable.

The good news is that the stock has sunk so low that analysts are now mostly bullish: They think the selloff has been overdone. (One called it "absurd.")

The bad news is that they mostly agree that the picture will change if copper and other commodity prices go lower. 

Here's a round-up of what mining analysts are saying about the company's prospects.

INVESTEC — Bearish: "Nearly all the equity value of both Glencore and Anglo American could evaporate."

Analyst: Hunter Hillcoat

"The challenging environment for mining companies leads us to the question of how much value will be left for equity holders if commodity prices do not improve. We have adopted a P/E-based approach to evaluate how the equity value of the major diversified companies might vary over time in proportion to debt and have identified the companies where equity values are most at risk.

"If major commodity prices remain at current levels, our analysis implies that, in the absence of substantial restructuring, nearly all the equity value of both Glencore and Anglo American could evaporate."

CITI — Bullish: "We believe the market's response is overdone."

Analyst: Heath R Jansen

"We believe the share prices have reacted to concerns around balance sheet and liquidity, reflected by both the rising CDS spreads and bond yields. We believe the markets response is overdone and that the ratings agencies are likely to take a more through the cycle view and therefore a downgrade to sub-investment is not likely.

"We also think the group is not limited to just selling a minority stake and if the need be, the entire agricultural marketing business can be sold, which we value at ~$10.5bn. The group can stay away from debt markets till 2017."

JEFFERIES — Bearish: "Highly leveraged miners could have no equity value if commodity prices fall only marginally lower."

Analyst: Christopher LaFemina

"Our analysis indicates that highly leveraged miners could have no equity value if commodity prices fall only marginally lower and do not recover. The market clearly feels this way about Glencore. Glencore must stop the bleeding.

"Glencore is now under pressure to strengthen its balance sheet via asset sales or a capital injection, and time is of the essence. There is value in Glencore shares if the company can pull the appropriate levers now, but risks are clearly very high."

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Forbes' Richest Americans list showcases dozens of private equity execs who have made billions doing leveraged buyouts. 

But six men from two private equity firms share one common distinction.

Apollo Global Management and Carlyle Group management split the bill as the top two private equity firms on Forbes' Richest Americans list in this year's update. 

Both companies made their public market debuts several years back, helping elevate people like Josh Harris, David Rubenstein and Leon Black into the upper echelons of the rich list. 

Other private equity operations, like KKR, Blackstone Group and Oaktree Capital, each have two founders on the Forbes list. There are several firms that also have one executive on the list, including Providence Equity, Platinum Equity and Vista Equity Partners. 

Leon Black has helped make his co-founders at Apollo Global billionaires

Apollo Global shares performed well for a period after the private equity firm's market debut, but over the last 12 months, shares have lost about 25% of their value. It won't matter all that much to Apollo co-founder Leon Black, who, at #94 on the Forbes list is worth nearly $5 billion. Like other Wall Street legends, Black has made some big plays in the art market — notably, with a purchase a few years back of Edvard Munch's 'The Scream.' 

Joshua Harris of Apollo Global

Apollo Global co-founder Joshua Harris has a hand in not one, but two, professional sports franchises. For Harris, it's been a dream come true. Like a true PE pro, he bought in at a deep discount, taking stakes in Philadelphia 76ers and the New Jersey Devils. Harris ranks #268 on Forbes' list. 

Marc Rowan has put in work on one of Apollo's toughest assignments

Apollo Global's Marc Rowan rounds out the trio making the Forbes cut, at #279. With $2.4 billion, the investor has launched his own family office in part thanks to his exiting Apollo Global stock in recent years. He's also had his work cut out for him: Rowan is the lone director from Apollo listed on the private equity buyout catastrophe that is Caesars' Entertainment, which has been a huge money-loser for the firm.

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Forbes has released its annual "Richest People In America" list.

The Forbes 400 always includes the biggest names in the hedge fund space. We counted 33 hedge fund managers this year.

Fund managers Bill Ackman of Pershing Square and David Tepper of Appaloosa Management saw their net worth increase significantly in the past year. Steve Cohen saw a $1.3 billion jump in his personal fortune.

There were two newcomers to the list. Quant fund managers David Siegel and John Overdeck, cofounders of the $28 billion Two Sigma Investments, each has an estimated net worth of $2.8 billion. Two Sigma crushed it in 2014, with one of the funds ending the year up 57.55% and another one of the funds returning 25.56%, according to Forbes.

The 85-year-old George Soros is still king, though, with an estimated net worth of $24.5 billion.

On the flip side, numerous billionaire fund managers in the US didn't make the cut. Folks like Baupost Group's Seth Klarman and Discovery Capital's Rob Citrone, who are worth 10 figures, weren't quite rich enough. 

David Einhorn

Rank: 375

Net worth: $1.8 billion

Age: 46

Fund: Greenlight Capital

Source: Forbes

Louis Bacon

Rank: 375

Net worth: $1.8 billion

Age: 57

Fund: Moore Capital Management 

Source: Forbes

Marc Lasry

Rank: 358

Net worth: $1.9 billion

Age: 55

Fund: Avenue Capital 

Source: Forbes

We've all been in those situations where we've forgotten someone's name.

It's even worse when it happens immediately after meeting them.

How can you deal with it without being too awkward? 

Here are some helpful strategies.

This is an update of a story originally written by Maggie Zhang.

SEE ALSO: 7 Body-Language Tricks To Make Anyone Instantly Like You

Ask them to put their number in your phone.

It's the best way to get their name without even asking for it. Typically, they will enter both their first and last names, along with their number. It's a great way to stay in touch with them in the future and to assure you won't forget their name again.

Ask for their email address.

Most people have their name within their email address, so it's an easy way to learn the information you need and gain a valuable connection. It will also show you care about reaching out to them in the future.

If they don't have their name, they might at least have a reference to their college, workplace, or favorite hobby within their username, so it can serve as a great conversation starter.

Introduce them to a friend.

At a party or networking event, making introductions is expected. Find one of your friends and introduce them first, and then wait for your conversation partner to do the same.

"In this world nothing can be said to be certain, except death and taxes," Benjamin Franklin once wrote in a letter.

Unfortunately, those words are just as true today as they were in the 1700s.

Worse, sometimes the two come as a package deal.

After all, when someone dies, their family members must go through a lengthy series of tax, financial, and legal steps in order to sort out the affairs of the deceased.

With the help of Levenfeld Pearlstein trusts and estates associate Adam Garber, Business Insider put together a guide to many of the hurdles that surviving relatives will certainly face. Take a look below.

And just so we're being clear, this article is not a comprehensive list of what to do after someone's death. Contact your legal, financial, and tax adviser or advisers for advice catered to your specific situation. Also, some legal language was simplified for clarity.

It will be necessary to determine whether or not there is a will.

If there's a will, the executor will be named in the will. In lay-person English, their job is to administer the process by which assets are transferred, including paying the deceased's debts, filing their income-tax returns, and distributing any remaining assets according to the terms of the will.

If there's no will, the remaining assets pass to the decedent's heirs according to the state of law. The executor is appointed by the court.

Although Hollywood has glamorized the role of the executor of the will, one is not always needed.

Sometimes, an executor may not even be needed. The most obvious reason being if an asset is owned jointly with the right of survivorship. For example, if a couple's bank account was jointly owned, then when one spouse dies the second gets the account.

Furthermore, if there is a beneficiary designation, such as life insurance or an RIA, then in order to receive these assets the beneficiary needs to file a claim form.

Still, there are other reasons, such as if the deceased held all of their assets in a revocable living trust, or if the deceased's individual assets do not exceed a certain threshold — which depends on the state.

The executor or closest family member will need many copies of the death certificate.

It's important to get multiple copies of the death certificate. They will be necessary when notifying financial institutions, government agencies, insurance agencies, and others about the death.

Death certificates can be obtained at the funeral home. It's a good idea to obtain at least 10.

Source: Carolyn L. Bird, North Carolina State University