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A VC's $88 million compound just became one of the most expensive homes in Silicon Valley history

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Los Altos Hills $80 million

A modern California masterpiece of a mansion in the Silicon Valley town of Los Altos Hills just listed for an eye-popping $88 million.

That number makes it "one of the most expensive properties ever to be publicly listed in the area," listing agent Michael Dreyfus of Sotheby's International Realty told The Wall Street Journal. It's important to note, however, that homes in the area have changed hands privately for more.

The home is owned by tech entrepreneur Kumar Malavalli, founder of Brocade Communications Systems and current head of venture capital firm VKRM.

The compound includes two structures: a 20,400-square-foot main house and a 1,024-square-foot "executive center." Malavalli used the compound for both living and working, ensuring a commute as easy as a walk through the property's meditation gardens.

He and his wife are now selling the home to be closer to their grandchildren.

SEE ALSO: Go inside the most expensive home in San Francisco, on the market for $28 million

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Hidden in the Silicon Valley enclave of Los Altos Hills, California, lies a huge, 8-acre estate.



This is no mere cookie-cutter McMansion.



The grand entryway is framed by lattice and guarded by a lion statue.



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How to retire on $30,000 a year

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relaxing parc guell barcelona spain

Seven out of 10 millennials think they'll spend less than $36,000 per year in retirement.

The question is whether they're frugal or overly optimistic. When that research came out recently — from the Insured Retirement Institute and the Center for Generational Kinetics, which also noted that today's 65- to 74-year-olds are spending an average of $46,757 per year — much of the reaction reflected the latter view. 

But more than half of Americans earn $30,000 a year or less, according to Social Security Administration wage data. Surely, then, it has to be possible to retire on that amount — or, in the case of millennials, an equal amount in future dollars. How? 

SEE ALSO: The 10 best places in the US to retire on $100 a day

Start budgeting now.

Many people don't know what they're spending money on today, let alone what they'll spend money on in 30 or 40 years. Enter budgeting, which solves both of those problems. 

Aside from its obvious benefits — people who budget tend to spend less and save more — your budget today can help you get a handle on your budget tomorrow, says Jason Preti, a certified financial planner with Unleashed Financial in Kirkland, Washington. 

"If you actually have a good working budget right now, you can identify what's going to remain in retirement, as well as what's not going to remain," Preti says. "You can see that you're not going to need dry cleaning in retirement, but with no vacation time to worry about, you might increase your travel expenses, for example."

The most notable line item you can kick when you're retired? You'll no longer have to save for retirement. 

Say no to debt.

Or at least pay it down. People who go into retirement with debt — whether from a mortgage, car payment, credit cards or personal loans — increase their cost of living substantially.

Even a small mortgage of $150,000 at 4% interest carries a $700 monthly payment. Add in a $200 car payment and some credit card debt and you could easily be forking over $1,000 in debt payments each month. That's 40% of your monthly budget when you're living on $30,000 a year, or an even greater percentage if your income is taxed. 



Be prepared to move.

Where you decide to live can have the biggest impact on your retirement spending, Preti says. "That definitely dictates how much your base cost of living is going to be. If you retire to lower-cost-of-living Florida, you could be living like a king on $30,000."

If you're truly committed to retiring on that kind of income, and you currently live in a high-cost-of-living city or state, you're eventually going to have to relocate. Florida has a reputation as a retirement-friendly state for a reason, but it's not your only option. A NerdWallet analysis shows that Texas, Louisiana and Arizona are also inexpensive places to retire; specifically New Orleans, El Paso and Mesa. If you're interested in a smaller city, you'll find many options on this list.  

Count on Social Security.

There's much concern that Social Security will become insolvent before today's youngest generations retire. In reality, that's unlikely to happen, though there may be changes to the system, Preti says. "It might be phased out significantly as retirement incomes rise, but it's a society support system that will not go away."

Social Security's own projections back that up, so you should tack that benefit on to your budget. (Calculate what you might expect to receive here.) The average monthly benefit today is just over $1,300; in a few decades, it will be several times that, even factoring in proposed cuts. 

Keep in mind, though, that health care costs will eat into your retirement budget: According to a 2014 analysis from the Kaiser Family Foundation, Medicare beneficiaries spent an average of $4,734 out of pocket in 2010. That number, too, will go up by two or three times by the time you reach retirement. 



Be realistic.

Just because you can retire on $30,000 — today, or in inflated dollars in the future — doesn't mean you should, or that you'll want to. 

"I would like my clients to have the same or better standard of living in retirement. And if you really want the same or better, you're going to be spending more. You'll have more time on your hands, you'll hopefully be healthy, and you're going to want to go places and do things," Preti says.

It's a valid point: When you're fresh out of college, paying off student loans and sharing a cramped apartment with a roommate, $30,000 isn't a challenge, it's a luxury. But as your income increases over the years, it's harder to scale back, particularly when you have — as Preti says — a lot of extra time on your hands. Time isn't just money; in some ways, it costs money. 

So while it's comforting to know that it's possible to live on $30,000 a year, it's also a good idea to aim higher and save more when you're young, because you can't know for certain what the future will cost and you may want some flexibility. "You want to plan for the worst," Preti says, "not plan for the best."



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The 10 states where it's cheapest to raise a family

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Household finances are tricky for everyone, and the number-crunching is especially hard for families. But location also has a huge effect on families' costs and ability to meet them. A study from the Economic Policy Institute, for instance, found that the average costs of a two-parent, two-child family could vary by as much as $57,000 each year from the cheapest community it surveyed (Morristown, Tenn.) to the most expensive (Washington, D.C.).

While child-rearing costs vary greatly by city, there are also significant differences from state to state. Some states offer higher incomes, whereas others keep key costs like food, housing and child care low. Some of the best states for families offer paid family leave, a crucial benefit that can help families fill the financial gaps in times of need.

GOBankingRates looked at all of these factors to rank the states and determine which ones make raising a family financially feasible. Here are the 10 cheapest states to raise a family, where households face the lowest costs while earning higher incomes.

Read: 10 Most Expensive States to Raise a Family

SEE ALSO: 10 states where raising a family costs the most

10. New Jersey

The biggest benefit for families living in New Jersey is the overall higher incomes they earn. The state median household income of $65,321 is the fifth highest in the nation, giving families more means within which to live.

New Jersey is also one of just three states to offer paid family leave, with state laws that grant up to six weeks of paid family leave in a 12-month period. Workers on paid family leave receive two-thirds of their pay up to $604 a week for total benefits of up to $3,624 for the six-week period. New Jersey laws allow a total of 12 weeks of family leave in a 24-month period (including paid family leave).

New Jersey's Senate Democrats have also introduced an initiative, New Jersey: Investing in You, which includes a focus on expanding prekindergarten education and other programs for children ages 5 and under, according to NJ.com. These benefits could be a welcome relief for families in New Jersey, where they face higher-than-average food and child care costs and the fifth-highest housing costs in the nation.



9. Nebraska

Nebraska lands at No. 9 among the best places to raise a family for its low costs, particularly for housing. Nebraska housing costs are below the national average, with a median monthly rent of $1,238 and the median listing price at $149,000. Nebraska's food and child care costs are also lower than most other states' average costs.

Even better, these lower costs aren't accompanied by lower earning potential for workers in this state. With a higher-than-average median household income of $55,107, Nebraskan families can enjoy lower living costs while still earning decent wages. Although the state lacks a family leave policy, Nebraskans still have a higher chance of being able to get ahead of their finances than many other U.S. families.

Related: Why Women Are Taking Over Family Finances



8. Missouri

Missouri's housing costs are the seventh lowest in the nation, with a median home listing price of $139,900 and a median monthly rent of $1,071. While the state's median income of $49,290 is below the $52,047 national median, families earning this amount and renting at a typical price could still keep housing costs fairly low at 27 percent of their pay, which is less than the 30 percent-of-income rent standard that most rental housing programs and personal finance experts use.

Food costs that are 5.8 percent lower than the national average and low child care costs help Missouri residents stretch their incomes further. For child care, Missouri residents pay less than the national median for all age groups considered in this study. For example, full-time care for a 4-year-old costs $6,074 in Missouri versus the $7,748 national median — a savings of $140 a month. Although Missouri lacks a parental leave policy, the state offers other benefits. For example, Governor Jay Nixon announced a $3 million investment in the state's early education program, Missouri Start Smart, in September 2015.



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A breakdown of everything in the 'Game of Thrones' season 6 trailer

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jon snow game of thrones

HBO released the first teaser trailer for the next season of "Game of Thrones" Thursday afternoon. Though most of the footage in the 40-second video is from prior seasons, the composition is telling. 

Not only does the trailer have brand-new dialogue, but some split-second images may contain clues about season six. If you haven't seen it yet, watch it now.

Let's break this thing down. 

Warning: There are major spoilers ahead for every season of "Game of Thrones."

The trailer opens on this shot of Jon Snow. A voiceover, says "We watch, we listen, and we remember. The past is already written. The ink is dry."



The voice belongs to actor Max von Sydow, who was cast to play Bloodraven in season six. We already saw Bloodraven at the end of season four, but we know he'll be featured heavily in upcoming storylines.



As Bloodraven's voice fades, a barrage of images come in quick succession.

RAW Embed

 



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Here's where each of the 12 OPEC members stand ahead of this week's meeting

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Saudi Arabian Oil Minister Ali al-Naimi OPEC

OPEC, the 12-member oil cartel, is meeting once again to discuss their game plan for production on Friday in Vienna.

But while the cartel's decisions over the past year looked pretty clear-cut, things aren't on such firm ground this time around.

"The interests of member countries have perhaps never been so far apart," writes Helima Croft, global head of commodity strategy at RBC Capital Markets. "While disagreements were evident at the June meeting, discontent with the pseudo-consensus appears more dire, with the low price environment further stressing the already highly stressed members of the cartel."

Notably, Libya, Iraq, Nigeria, Algeria, and Venezuela — the "fragile five," as Croft calls them — remain at very high risk, especially as Libya and Iraq are on the front lines of war.

As such, take a look at how each OPEC member is weathering geopolitical, economic, and security risks at the moment. The countries are listed from least to highest risk, with 10 being the highest.

Kuwait has a bunch of shock absorbers to protect it from lower oil.

Risk for next year: 2

Oil production last month: 2.82 mb/d

Oil production in July 2015: 2.83 mb/d

Kuwait has a high reserve-to-population ratio, "which has enabled it to survive the lower-for-longer environment relatively unscathed," writes Croft. But Kuwait's economy is more levered to oil than any other OPEC member — at nearly 60% of GDP.

Notably, on Sunday Kuwait named its finance minister, Anas Al Saleh, as acting oil minister.

Source: RBC Capital Markets



Qatar is more reliant on gas/LNG exports.

Risk for next year: 2

Oil production last month: 0.64 mb/d

Oil production in July 2015: 0.67 mb/d

Qatar has been able to remain "comfortable" in the short term — even with lower oil — because of its significant public finances. Additionally, it's the least reliant on oil out of all the OPEC members, instead focusing on gas/LNG exports.

"Qatar's challenge will emerge later this decade," notes Croft.

Source: RBC Capital Markets



The United Arab Emirates sits in the "sweet spot."

Risk for next year: 2

Oil production last month: 2.97 mb/d

Oil production in July 2015: 2.80 mb/d

The UAE's fiscal and external buffers have helped limit the spillover effect from lower oil.

Moreover, "while the country is expected to record a deficit of 2.9% this year based on a $61.50/bbl oil price (the first since 2009), 2016 will likely see a return to surplus," notes Croft, citing IMF figures.

Source: RBC Capital Markets



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We took a real resume from a laid-off tech worker and turned it into something fantastic

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Smiling at work

While researching a recent story on long-term IT careers, we talked to a guy who had been suddenly laid off, after decades of success at several large tech companies.

When he shared his resume with us, it looked like it came from another era.

We wondered, what should he be doing differently?

So we contacted Volen Vulkov, co-founder of EnhanceCV, a startup that automatically analyzes your resume mistakes and helps you redesign a new one. (These are the folks that turned Mark Zuckerberg's life into a cool resume.)

This time, we wanted them to take someone's actual resume, modernize it, and offer pointers on how anyone could do the same. And they went all out.

The resumes below are real, although the person's name, companies' names, and some details have been changed to protect his identity.

SEE ALSO: 50 enterprise startups to bet your career on in 2016

SEE ALSO: Some tech workers over 50 are literally working themselves to death — and other things we discovered about their careers

This is the original, old resume. "Resumes can have issues with readability, understandable content, length, showing impact and focus," Vulkov tells us. He found four big mistakes with this resume.



This is the new resume.



Problem 1: Not showing the impact he made. "A great number of resumes are in essence a list of responsibilities." This resume made that classic mistake. For instance, one item reads: "Created a Customer Satisfaction education program which consisted of live training sessions at various cities within the Southern United States."



See the rest of the story at Business Insider

Here's where ISIS got its weapons — and why it's so hard to stop them from getting more

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isis

ISIS has anywhere from 30,000 to 100,000 fighters and is one of the world's most dangerous terrorist groups.

But how did a group barely anyone knew of just a few years ago take over vast territories in Iraq and Syria and carry out terror attacks in Egypt and France?

Guns — lots of them. And how they got them is a murky tale of failed Soviet states, Middle Eastern gun culture, arms smuggling, and battlefield success.

 

There are a lot of weapons in the Middle East. And with an estimated $18 billion in arms sales slated for Arab states in 2015 alone, there's a lot more coming in.



In some countries, such as Yemen and Iraq, civilian gun ownership is at high levels— as guns are passed down in families or bought on the open market.



This is all on top of the huge amount of military hardware accrued by Iraq during its war with Iran in the 1980s, when it became the"world's largest retail purchaser of arms"— mostly from the west.



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The American energy story in 10 charts

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shale oil

In just a matter of years, the American "energy renaissance" has made the region a leader in global oil.

Joseph P. Quinlan, the chief market strategist at US Trust, attributes the US' energy boom to three factors:

One, pro-market policies at the state and local level. Two, revolutionary technologies. And three, "good old American entrepreneurship/risk-taking."

"By combining all three, the United States has upended the global energy markets," he wrote in a recent note to clients. "However, and unfortunately, the boom has also turned a virtue (soaring oil/gas production and the attendant positive effects) into a vice (oversupply and ensuing negative knock-on effects)."

Oil prices have been depressed since crashing in the second half of 2014, and that has had huge implications for the industry. With that in mind, US Trust put together the following 10 charts that show exactly where American energy is right now — and what it might mean for the future.

The number of active rigs drilling for oil keeps dropping, but production is still going strong.

Production peaked around July at 9.6 million bpd, and is currently around 9.2 million bpd. Much of this has gone into storage.

"The declining rig count, coupled with a sharp drop in oil-related infrastructure among major oil producers, portends slowing or declining US oil production over the medium term, and a bottoming out of oil prices over the next year," writes Quinlan. "Supply cutbacks in the US and overseas, coupled with stronger global growth in 2016, could boost world oil prices back into the range of $50-65 per barrel over the next twelve months."

Source: US Trust



A few "super" oil fields emerged in the shale basins in the last few years.

"Super" oil fields, or those that produce over 1 million barrels a day, are pretty rare around the world. But over the last two years, two "new" ones emerged in the US: the Eagle Ford in South Texas and the Bakken in North Dakota and Montana.

Although the production of both super oil fields has declined in the past few years, they still "lie at the core of America's energy revolution," writes Quinlan.

Source: US Trust



US oil production skyrocketed in the years after the financial crisis.

By 2014, daily oil production topped 9 million barrels a day.

Moreover, production increased by 2.2 million bpd in the past two years — which, to put it in perspective, is greater than the entire production of Brazil.

Source: US Trust



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Here are all the 2016 TV winter premiere dates you need to know

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better call saul

As winter arrives, it's time to find new midseason addictions and wait for favorites to return to TV.

Networks have started releasing their winter schedules, which include new series such as HBO's "Vinyl," The CW's "DC's Legends of Tomorrow" and Fox's "X-Files" reboot. 

The new year also brings the return of midseason shows like ABC's "Agent Carter" and the new season premieres of AMC's "Better Call Saul" and Comedy Central's "Broad City," among others. It also marks ABC Family's relaunch as Freeform.  

Other shows like PBS' "Downton Abbey" and Fox's "American Idol" are taking a lap with their final seasons.

And don't worry, some fall favorites like Fox's "Empire," ABC's "How to Get Away With Murder" and CBS' "Criminal Minds" already have their winter/spring return dates set for next year. 

Here are all of the premiere and return dates you want to know so far (we'll update as more come in), and note, all times are Eastern: 

SEE ALSO: The best shows to binge-watch over the holidays

Friday, January 1
9:00 p.m. PBS "Sherlock: The Abominable Bride" (4th season special) 

Sunday, January 3
8:00 p.m. ABC "Galavant" (2nd season premiere)
8:00 p.m. Fox "The Simpsons" (winter return)
8:30 p.m. Fox "Cooper Barrett's Guide to Surviving Life" (series premiere)
9:00 p.m. Fox "Family Guy" (winter return)
9:00 p.m. PBS "Downton Abbey" (6th season premiere) 
9:30 p.m. Fox "Bordertown" (series premiere) 

Monday, January 4
8:00 p.m. NBC "Superstore" (series premiere) 
8:00 p.m. ABC "The Bachelor" (20th season premiere) 
8:00 p.m. Fox "Superhuman" (series premiere)
8:30 p.m. NBC "Telenovela" (series premiere) 
9:00 p.m. NBC "The Biggest Loser" (17th season premiere)

Tuesday, January 5
8:00 p.m. Fox "New Girl" (5th season premiere) 
8:00 p.m. PBS "Finding Your Roots" (3rd season premiere) 
8:30 p.m. Fox "Grandfathered" (winter return)
9:00 p.m. Fox "Brooklyn Nine-Nine" (winter return)
9:00 p.m. ABC "Marvel's Agent Carter" (2nd season premiere) 
9:00 p.m. MTV "Teen Wolf" (winter return) 
9:30 p.m. Fox "The Grinder" (winter return)
10:00 p.m. MTV "The Shannara Chronicles" (series premiere)



Wednesday, January 6
8:00 p.m. Fox "American Idol" (15th season premiere, part 1) 
8:00 p.m. CBS "2 Broke Girls" (new time)
8:30 p.m. CBS "Mike & Molly" (6th season premiere)
10:00 p.m. ABC "American Crime" (2nd season premiere) 
10:00 p.m. FXX "It's Always Sunny in Philadelphia" (11th season premiere)
10:30 p.m. FXX "Man Seeking Woman" (2nd season premiere) 

Thursday, January 7
8:00 p.m. Fox "American Idol" (15th season premiere, part 2) 
8:00 p.m. ABC "My Diet is Better Than Yours" (series premiere)
8:00 p.m. CBS "The Big Bang Theory" (winter return) 
8:30 p.m. CBS "Life in Pieces" (winter return) 
9:00 p.m. CBS "Mom" (winter return)
9:30 p.m. CBS "Angel From Hell" (series premiere)
10:00 p.m. ABC "Beyond the Tank" (season premiere) 
10:00 p.m. NBC "Shades of Blue" (series premiere)  
10:00 p.m. CBS "Elementary" (winter return) 

Friday, January 8
8:00 p.m. Fox "Masterchef Junior" (5th season premiere) 
9:00 p.m. CBS "Hawaii 5-0" (winter return) 
10:00 p.m. CBS "Blue Bloods" (winter return)

Sunday, January 10
7:30 p.m. Fox "Bob's Burgers" (winter return)
9:00 p.m. Showtime "Shameless" (6th season premiere) 



Tuesday, January 12
8:00 p.m. Freeform "Pretty Little Liars" (winter return) 
9:00 p.m. Freeform "Shadowhunters" (series premiere) 

Wednesday, January 13
9:00 p.m. Fox "Second Chance" (series premiere) 
9:00 p.m. CBS "Criminal Minds" (winter return) 
10:00 p.m. CBS "Code Black" (winter return)
10:00 p.m. TV Land "Younger" (2nd season premiere) 
11:00 p.m. TV Land "Teachers" (series premiere) 

Thursday, January 14
10:00 p.m. Comedy Central "Workaholics" (6th season premiere)
10:00 p.m. USA "Colony" (series premiere) 
10:30 p.m. Comedy Central "Idiotsitter" (series premiere)

Friday, January 15
9:00 p.m. Fox "Hell's Kitchen" (15th season premiere)  

 



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The best science fiction, as picked by 20 A.I. experts

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terminator

Artificial intelligence (AI) experts may not always agree with how robots and AI are depicted in science fiction, especially when the majority of movies feature killer robots.

But even they can't help but enjoy a few choice science fiction movies and books.

Some movies show what our near future will look like, while others are so far-fetched but are enjoyable nonetheless.

Tech Insider spoke to 20 AI researchers, roboticists, and computer scientists about their favorite science fiction depictions of robots.

Scroll down to see their lightly edited responses. 

SEE ALSO: 18 AI researchers reveal the most impressive thing they've ever seen

Some researchers enjoyed philosophical discussions about AI in science fiction. Carlos Guestrin says 'Ex Machina' does it with more nuance than other movies.

"I like a variety of things, particularly things that challenge my thinking. More recently there have been a flurry of movies about how robots are going to take over the world and be bad guys.

But there are also some recent movies that have been interesting and more nuanced, like 'Ex Machina.' That's a bit apocalyptic but also kind of an interesting take."

Commentary from Carlos Guestrin, the CEO and cofounder of Dato, a company that builds artificially intelligent systems to analyze data.

Here's the trailer if you haven't seen the movie:Youtube Embed:
http://www.youtube.com/embed/bggUmgeMCdc
Width: 800px
Height: 450px
 



The short story 'Nonserviam' by Stanislaw Lem maps out what relationships between robots and their creators look like, Ernest Davis says.

"The best sci-fi piece that I've seen on artificial intelligence is a story by Stanislaw Lem called 'Nonserviam,' which is Latin for I will not serve. It's in his collection of stories called 'A Perfect Vacuum.'

"It has to do with a programmer who creates a whole collection of artificial virtual personalities in a virtual world, but he doesn't let them know that they're virtual. So they argue among themselves as to whether there exists a creator, and if so whether they owe him any gratitude for their existence. That I think is an extremely fine story."

Commentary from Ernest Davis, a computer scientist at New York University.



Novelist Ann Leckie's first novel 'Ancillary Justice' blew Joanna Bryson away.

"I'm really excited by a new novelist that came out of the American Midwest named Ann Leckie. That doesn't mean that professionally, I think that's the way that AI is going to go. But she is on top of the relationship between AI and human intelligence and group collectives.

"She talks about what it's like to be a collective with perfect communication and how enhanced memory is going to impact humans. I think she's really on the ball about that. She won all kinds of awards last year for her first novel 'Ancillary Justice.' "

Commentary from Joanna Bryson, computer scientist and visiting fellow at the Princeton University.



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How to visit Tel Aviv on a budget

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One of Europe's most hedonistic cities is also conveniently easy to visit on a European city break. Located on the far end of the Mediterranean coast, Tel Aviv has it all: beaches with plenty of adventure sports, 24-hour nightlife, an amazing culinary scene and a café culture that makes it easy to meet locals.

With hot summers and mild winters, Tel Aviv also makes for a great holiday at any time of year, though the beaches are best during the shoulder seasons of Spring and Autumn—when there are fewer tourists and the temperatures aren’t quite as hot as in the summer.

Though Tel Aviv has plenty to offer for those with loose budgets, it’s also surprisingly easy to get the most of visiting Tel Aviv with tighter purse strings. Last month I managed to visit Tel Aviv with a strict budget of 69€/day including my accommodation — that’s less than $75/day!

And while I splurged a bit on some things (like a really cool street art tour and a long night out at a gay club), I mostly managed to stay within my budget. All-in, with one of the many cheap flights from Europe to Tel Aviv, there’s plenty to see and do on a budget. And not just for backpackers — you can still enjoy a luxury Tel Aviv experience with a pretty modest travel budget. It’s just a matter of knowing what to do and where to spend your money.

SEE ALSO: 8 of the real best things to do in Tel Aviv

Avoid the trendy design hotels and stay with a local.

Accommodation in Tel Aviv is notoriously not cheap, however there’s a trick to get a decent place to stay at a reasonable price. Ignore the many boutique hotels (as beautiful as they are) and opt for a holiday apartment rental instead. Airbnb has a wide selection of accommodation choices in Tel Aviv. Look for less central neighborhoods (though still convenient) such as Florentin. You’ll save a lot of money by staying close to the beach, just not too close. Most apartments in Florentin will only be a 15-20 minute walk to either central Tel Aviv or the beach.

Get $25 off your first AirBnb booking here. Or try a local accommodation startup, CasaVersa, to find potential home swaps.



Tel Aviv’s best tourist attraction is FREE.

Sure, Tel Aviv has some great tourist attractions, museums and galleries, but for those visiting in the warmer months (which is an amazing 8 months of the year), there’s something better: the beach. Tel Aviv has some of the world’s best beaches (and beach parties!). The beaches closer to central Tel Aviv, near Allenby Street, will be touristy—but who really cares? The water’s just as good, the sand just as soft and the people-watching still pretty sexy. Head to the beaches further north, though, for the chance to meet more locals. Gordon and Frishman beaches are popular with many twenty-somethings, while Hilton Beach is a popular gay and lesbian beach. To save some money, bring your own towel and avoid the lounge chairs on the beaches. Those belong to the many beach bars and you’ll have to pay to use them or order food & drinks. Better to pack your own lunch which is easy to do by stocking up at a local convenience store like AM:PM or one of the food markets.

Learn more about Tel Aviv’s beaches here.



Rent a bike to get around.

Tel Aviv has a number of great bike paths—the beach boardwalk runs the entire length of Tel Aviv, making it easy to get all the way from Jaffa in the south to the Tel Aviv port in the north. The Tel Aviv municipality even runs their own city bike program, called Tel-o-Fun, making it easy to rent bikes by the day, week or month. For a day, you can pay just 17 shekels and you can use the bike an unlimited number of times in 30-minute spurts. Renting a bike is easy at any of the rental portals, plus there’s a great app called Telobike which shows you pick-up and drop-off points using your geo-location, as well as specifying how many bikes are parked at each location.

See more photos of Tel Aviv on the official tourism website, GoIsrael.

 



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What to do when your boss asks you to do something unethical or illegal

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shocked horrified girl

When your boss asks you to do something unethical or illegal, you face one of the most challenging dilemmas in your career.

"There are potential negative consequences for speaking up, as well as for complying," says Lynn Taylor, a national workplace expert and the author of "Tame Your Terrible Office Tyrant: How to Manage Childish Boss Behavior and Thrive in Your Job.""It can feel like a lose-lose — but you should never comply with an illegal request."

You should also know that you're not alone, she says. "Greater transparency through social media and financial fallouts have mitigated ethical breaches somewhat, but unfortunately, the problem is still widespread enough to affect everyone's career because managers don't always play by the same rules."

If and when your boss asks you to do something you know you shouldn't, you should first understand the facts, know your options, and consider the potential outcomes before giving your response.

"Most of all, know that your self-protection is paramount," Taylor explains. "Misdeeds, such as destruction of certain data, illegal hiring and termination practices, over-billing clients, and unauthorized use of proprietary company information, for example, can plague you for a lifetime if you decide to engage — professionally, morally, and in extreme cases, legally."

Again, if you think (or know) the request is illegal, do not comply. But if it's in that gray area or seems unethical, here's what you should do:

SEE ALSO: The 27 jobs that are most damaging to your health

Be sure you understand the situation.

Make sure you're fully aware of the facts and don't overreact, says Taylor. "Ask for restatement of suspicious requests. Create enough time to reflect on the situation and avoid a knee-jerk response based on emotion."



Use your gut instincts.

If it seems unethical, it probably is. If you feel uncomfortable, then start asking questions. Let your next move flow from the information that unfolds, she advises.



Stay true to your moral compass.

This is your career; you have to live with your choices for a lifetime. "And depending on the situation, it might adversely affect others' lives, too," says Taylor.



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What Earth would look like with Saturn's rings

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Ever wonder what our home planet would look like with Saturn's rings circling the equator?

Turns out, Earth would be even more beautiful.

Artist Ron Miller, a former art director at the National Air & Space Museum's Albert Einstein Planetarium, creates visualizations of unreal science ideas.

Ron Miller earth with saturn rings, washington, dcIn 2013, he created this series of images that depict famous landmarks on Earth framed by Saturn's rings, painted to scale.

The results are out of this world.

Saturn's seven rings, made of ice and rock, are the biggest and brightest in our solar system.

Source: NASA



As Ron Miller discovered, they also look super cool surrounding planet Earth.



Miller looked at calculations from the book "Saturn and its Systems" published in 1865, to map how the rings would appear from every latitude on Earth.



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The 25 most Instagrammed locations in the world

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Each year Instagram shares the most Instagrammed locations.

New York City had a particularly strong turnout this year, with 9 locations in the top 25. These include Times Square, Central Park, and the Empire State Building.

Other popular locations include Disney theme parks, museums like The Louvre in Paris, sports arenas, and a few surprises.

Here's the full list of the year's top 25 most Instagrammed places. 

25. The Museum of Modern Art (MoMA)

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24. AT&T Park

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23. Fenway Park

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9 ways to get the most out of Google Maps (GOOG)

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Google Maps is great for helping you avoid traffic when you're driving, but it can offer so much more than turn-by-turn directions.

It can also find you the cheapest gas on your route, let you share your location with others, and even direct you to the nearest bathroom in an airport.

Here are nine things you need to know if you use Google Maps.

And to get the most out of the app, make sure you have the latest version of it and that you're signed in.

SEE ALSO: I ditched Google Maps for Apple Maps, and I'm not going back

Use it to find the cheapest gas along your route.

You can now use Google Maps to find the least expensive place to fill up your tank, and you won't have to retype your destination after you're routed to the gas station.

To find gas stations and gas prices, tap the magnifying glass on the top of your screen. Choose "gas stations" from the dropdown menu. Google Maps will even tell you how much time will be added to your trip if you detour for gas.

For now, this only works on Android, but Google says it's coming to the iPhone soon.



You can also search for coffee shops, restaurants, and more, along your route.

Again, just tap the magnifying glass. Google will show you restaurants, grocery stores, and more.

This is also coming soon to the iPhone.

 



Use Google Maps without being connected to the internet.

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You can now search for places and get turn-by-turn driving directions without an internet connection. This can be great if you're in another country and don't want to get hit with expensive data overage fees.

To get offline maps, you must download an area ahead of time — it can be a city or even a country — when you have a wifi connection.

To do this, search for a place, like Barcelona, then tap what Google refers to as the Place Sheet at the bottom of the screen. Then, tap "download" on the right. You'll then see a window that will show the area that it will download. That window is adjustable, but the bigger the area, the larger the file size. 

Now, you'll be able to use Google Maps for driving directions, and even search for addresses, when you don't have a connection to the internet.

This is also only available for Android, but it'll come to iOS soon.



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Arby's just revealed its new restaurant of the future in Manhattan

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The first Arby's to open in Manhattan in nearly a decade certainly fulfills executives' promise that the new location will be "different than you remember."

Opening in mid-December, the location has a super-modern design that is becoming the new normal at Arby's — but that is very different from your childhood (or even recent) memories of the chain. 

In the last two years, Arby's has undergone some massive changes in its menu, marketing, and design that resulted in explosive sales for the chain. Same-store sales have increased 20% in the last two years, growing 9.6% in the US in the third quarter.

Business Insider toured the new location this week, prior to its opening. Here is what Arby's nearly unrecognizable future looks like. 

 

From the outside, the location in Midtown Manhattan doesn't look like much.



However, as soon as you enter, it's clear the chain has completely revamped its style.



Natural wood elements and trendy lighting give the Arby's a clean and modern look, far from its linoleum-filled past life.



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The 13 hottest American cities for 2016

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Austin, TexasWe've found the 15 hottest US cities for 2016, all of which will be booming next year thanks to new jobs, growing industries, burgeoning art and food scenes, and affordable real estate.

Rising prices in San Francisco will continue to push young hipsters out to Oakland and up north to Portland. Queens will become the hot borough in New York City because of its affordable real estate and rich culinary scene. 

To compile this list we looked at job growth, population growth, affordability, livability, and the health and well-being of each city's residents. We also considered how innovative and "cool" the city is — an important factor in attracting the young, creative types who will make each city hot.

Jennifer Polland contributed to an earlier version of this story.

SEE ALSO: 50 places you should travel to in 2016

Atlanta, Georgia, is undergoing a revitalization that will lure in young professionals.

In the past, young professionals clustered in the smaller satellite cities outside Atlanta, but recent gentrification and construction projects have lured them back to downtown Atlanta. 

Similar to New York's High Line, the Atlanta BeltLine is a redevelopment project that's transforming an old railway track into a recreational path for cyclists and pedestrians.

Piedmont Park has been revitalized as new constructions crop up around it, and dozens of exciting restaurants have opened over the past two years. 



Austin, Texas, has a booming economy and strong tech industry that will bring in tons of young and talented workers.

Austin was named the best-performing city in the US in 2014 by the Milken Institute. In 2015, it took the second-place spot. 

Job growth has been strong here, largely because of the city's burgeoning tech scene. Companies like Dell, Roku, National Instruments, and Flextronics have offices here, and several startups have been coming out of the University of Texas.

All of this has led to an influx of young professionals and recent college grads, which in turn has led to a boom in construction. Austin has had one of the biggest migration rates in the US over the last few years, gaining 31,000 people in 2014 alone. 



Burlington, Vermont, will lead the future of food.

Burlington has always been known for its crunchy-granola vibe, but lately the city has been stepping up its game in leading the rest of the country in sustainability. The local food movement has been taking off here, with new culinary businesses that preach locally grown and made.

The city hosts a local food festival, Eat by Northeast, where food justice nonprofits, farmers, food entrepreneurs, and foodies come together to feast and talk about all stages of local food, from farm to table. Its Intervale Food Hub arranges weekly deliveries of produce sourced from dozens of local farms. These are just a few of the many steps the city is taking to continue to advance the local food movement.

Burlington is also leading the rest of Vermont in sustainable energy. The state plans to have renewable resources provide 90% of the energy for the state by 2050.



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The best places to eat in New York City's Chinatown

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There’s no question that Manhattan’s Chinatown is changing, with a host of new restaurant arrivals adding fried chicken and acai bowls to the neighborhood’s more traditional roster of dim sum and seafood.

From standout noodle shops to a retro burger joint, here are 13 must-try spots between Allen and Lafayette, a mix of old standbys and new kids on the block.

No Donnie Wahlberg, though.

SEE ALSO: The 8 Most Colorful Chinatowns In The World

Best rotisserie chicken: Papa Poule

In a city teeming with spendy roast chickens, this takeout-only spinoff of French cafe Maman brings the dish back to its humble roots. Michelin-starred chef Armand Arnal turns out an incredibly juicy rotisserie bird that’s available whole, in sandwiches, or on top of salads. The sides are also top-notch, especially the caper- and Dijon-dressed potato salad (when it’s on rotation, that is).

189 Lafayette St.



Best dim sum: Nom Wah Tea Parlor

You can’t write a guide to eating in Chinatown without a nod to this OG tea parlor, which has been slinging dumplings and other dim sum favorites since 1920. Second-generation owner Wilson Tang took the helm in 2010 and breathed new life into the biz (everything is made-to-order), while also maintaining its retro charm.

13 Doyers St.


Best for a group: Spicy Village

Bring your friends and order the aptly named “big tray of chicken”: a Henan dish consisting of wide, hand-pulled noodles, bone-in chicken, and potatoes stewed in sauce spiked with chili oil and cumin. The noodle soups are standout, too, and since everything is insanely cheap, you can eat your way through the menu without spending a fortune.

68 Forsyth St.



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15 perfect gifts for guys who can't dress

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Silicon Valley

It's almost certain that you know a man who should be dressing better.

It's possible that his shirts are too billowy. It's possible that he wears ill-fitting pants, or has the way-too-common misconception that no pair of shoes could be as comfortable as his New Balance sneakers.

It's possible he just has terrible taste.

It's possible he has no taste.

This gift guide is for that man — and for you, since it will ultimately improve your life as well. No one wants to be seen with someone who looks like they've been wearing the same clothes since their eighth-grade spring dance.

In closing here, consider this. If you know a man who wants to put as little effort into his wardrobe as possible, work with him to quickly develop an acceptable personal uniform. Think about it like a fresher looking, slightly more versatile version of the Steve Jobs black turtleneck.

Then all you have to do is nail the fit. Fit is everything.

The following list has a bunch of suggestions on where to start with that.

A navy blazer form Truemaker.

Every man needs a navy blazer, even guys that would rather attend a ballet recital than dress up for any occasion. 

That is because the blue blazer is the absolute bare minimum of dressing like an adult.

Truemaker makes some stellar jackets, and if you really want to splurge you can get it custom-made. This one's $595.

Hey — if you're going to have one, make it count.



A no-fail dress shoe.

Get this guy a simple, high-quality dress shoe. Get it in brown — he'll use it more than a black pair.

This pair's $398 from To Boot NY



A reversible leather belt.

There is nothing alluring about a man who can't keep his pants up.

This one's $98 at Saks Fifth Avenue.



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A woman who quit her job as an investment banker built a new life traveling the world on her own

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In March 2012, Kristin Addis quit her job as an investment banker in Southern California.

Before she left, she'd been earning six figures a year, including her commission. However, she remembers, she wasn't happy with her lifestyle. 

"It was hard for me when our paid time off was only 14 days per year," she tells Business Insider. "We'd go to the office puking our guts out because we didn't want to use our vacation time being sick. I felt back then like even if I wanted to, in that 14 days, I wasn't really allowed to take it all at once. I felt like 'What is this money worth if I don't have the opportunity to spend it on what I want?

"I thought there had to be more to life than that."

So she set out to find it.

Less than a year later, Addis bought a one-way ticket to Bangkok, planning to travel overland through Southeast Asia. Since then, the now 29-year-old has largely stayed on the move, documenting her journey through her blog, Be My Travel Muse, and sharing the expertise she's gathered in her book, "Conquering Mountains: The Guide to Solo Female Travel," produced with Nomadic Matt's Matt Kepnes.

Addis spoke to Business Insider about her post banking life: What it looks like, the reality of working on the road, and how she affords it.

SEE ALSO: 16 people who are living the dream without spending a fortune

Addis, who had lived in Taiwan when she was 21 to study Mandarin, started her trip in Southeast Asia because she'd read a traveler could get by on $1,000 a month, a sharp drop from the $3,000-$4,000 a month her California life cost.

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 In China.



"I had been saving for years," Addis remembers. "It was between putting money into buying a condo or traveling." She managed to accumulate around $20,000 in cash, plus about $60,000 in retirement funds, which she says she won't touch until it's time to retire.

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In Hvítserkur, Iceland.



"I've never had debt other than school debt," Addis says. "I won't spend money I won't have, and I don't want to dip into funds meant for later. If I couldn't make being a travel influencer work, I would have gotten a job before I touched my retirement savings."

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In Ásbyrgi, Iceland.



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