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We visited the most powerful rocket ever built — and it was even better than we expected

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It's not every day that you get to stand next to the prodigious Saturn V rocket — the most powerful rocket ever built and NASA's ride to the moon.

To this day, the Saturn V — a ticket into the history books during the '60s and early '70s — remains the only rocket capable of transporting humans beyond low-Earth orbit, where the International Space Station resides. And it's a monster.

We recently visited the never used, ready-for-flight Saturn V that was destined to transport NASA's Apollo 18 crew to the moon before the US government canceled the mission in 1970.

Words cannot describe the experience of standing next to one of humankind's most impressive engineering feats. But these photos should give you an idea:

LEARN MORE: Sending humans to Mars could uncover a disturbing truth to one of life's greatest mysteries

SEE ALSO: Here's how ridiculously fast we could visit everything in the solar system if we traveled at the speed of light

Instead of scrapping the Saturn V rocket after Apollo 18 was canceled, NASA preserved it at their Johnson Space Center in Houston, Texas, shown below. Check out the Saturn V rocket in the lower right.



The Saturn V was designed to fly three astronauts at a time. At launch, it weighed 6.54 million pounds and towered 363 feet tall — about 60 feet taller than the Statue of Liberty.



Today, the Apollo 18 Saturn V is stored in a massive warehouse. A life-sized illustration of the rocket decorates the outside, and for $25, visitors can take a tour across the grounds and take a trip inside!



See the rest of the story at Business Insider

NBA POWER RANKINGS: Where each team stands after 6 weeks

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steph curry

The biggest story of the NBA season has been the Golden State Warriors.

A little over a month into the season, the Warriors are 23-0, they are destroying opponents, and it's fair to believe they'll challenge the 1996 Chicago Bulls for the all-time best record at 72-10.

While the Western Conference still has the best team in the NBA as well as the Spurs, only six teams in that conference have a winning record. Meanwhile, the East has ten teams above-.500, with no clear pecking order below the Cavaliers.

It's as if the two conferences have flipped arrangements. 

Check out our power rankings for this wild NBA season below.

Note: Offensive and defensive ratings measure points scored and points allowed per 100 possessions. League rank next to ratings.

1. Golden State Warriors

Record: 23-0, 1st in West

Offensive rating: 114.5, 1st

Defensive rating: 98.2, 6th

One thing to know: This is hands-down the best team in basketball. They're steam-rolling everybody, and they don't face a true contender until Christmas in a highly anticipated Finals rematch with the Cavs.



2. San Antonio Spurs

Record: 18-4, 2nd in West

Offensive rating: 104. 4, 4th

Defensive rating: 92.0, 1st

One thing to know: The Warriors are so good that it's overshadowed the Spurs quietly dominating. Kawhi Leonard has emerged as a top-10 player, Tony Parker has found his legs again, and this team is already rolling despite dealing with the LaMarcus Aldridge adjustment period.



3. Cleveland Cavaliers

Record: 14-7, 1st in East

Offensive rating: 104.4, 3rd 

Defensive rating: 100.8, 14th

One thing to know: The Cavaliers haven't wowed yet, but they're close to becoming whole as Kyrie Irving and Iman Shumpert — 40% of their starting lineup — prepare to return from injuries.



See the rest of the story at Business Insider

It's not just fun and games — this pop-up Target store in NYC could help shape the retailer's future (TGT)

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Target is giving shoppers in New York City a glimpse of what the future of holiday shopping might look like, with a new pop-up location in Manhattan. 

Called "Target Wonderland," the store aims to provide a wacky place for families to visit and shop. But it's also a testing ground for concepts that could become commonplace in Target stores. 

For example, shoppers use radio-frequency identification, or RFID, keys to pick items instead of shopping carts. The retailer can also learn from how consumers move through the store.

As more consumers move towards online shopping, Target needs to find ways to continue to attract customers to brick-and-mortar locations. One way is to provide an experience for customers, like on-site games, activities, and spectacles like a huge LEGO pirate ship – all of which are happening at the pop-up Target.

The RFID, meanwhile, could be a way to combine digital and in-store sales.

Business Insider headed to Target Wonderland in downtown Manhattan to check it out. Here's what we found.  

When you walk into the store, the first thing you see is a giant Rube Goldberg machine in the entry area. This is the section where customers pick up their RFID-enabled keys and get some quick instructions on how they work.



To get from the entry area to the actual store customers walk through a very Willy Wonka-esque hallway — an aesthetic that describes the pop up as a whole pretty well.



Once inside, customers are surrounded by larger-than-life stations usually next to the toys that served as inspiration for each stop. For example, kids can get glitter tattoos inside the "Frozen"-inspired castle, while parents can purchase a playset version of the castle using their RFID keys.



See the rest of the story at Business Insider

This master sushi chef makes some of the prettiest sushi you'll ever see

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Chef Davy Devaux's specialty is sushi — but not your average California roll.

Devaux's YouTube channel, How to Make Sushi, features an array of awe-inspiring sushi roll tutorials, among other general cooking how-tos.

They're the kind of videos you watch just to see the finished product that comes after a whole lot of precision and attention to detail.

If you don't have time to watch Devaux's videos, keep scrolling to see stunning photos of his sushi creations.

 

 

INSIDER is on Facebook: Follow us here

Just in time for the holidays, here's Devaux's Santa Claus sushi roll, made with tuna, crab sticks, nori (seaweed), and rice.

Click here for the santa sushi roll recipe >



His four seasons sushi roll is a fun twist on a simple salmon, tuna, and avocado roll.

For the four seasons sushi roll recipe, click here >

 



This Halloween inspired sushi roll features salmon, black rice (dyed with squid ink), and shavings of dehydrated carrot.

Click here for the halloween sushi roll recipe >



See the rest of the story at Business Insider

The top 32 prospects in the 2016 NFL draft

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Derrick Henry Alabama

It's never too early to start thinking about the NFL draft, especially in a year of football that's been filled with injury and parity.

While it is still a little early for mock drafts, we came up with a consensus list of the 32 best players in the 2016 draft using the big boards of five NFL experts.

They are Todd McShay of ESPN, Rob Rang of CBS Sports, Charlie Campbell of Fox Sports, and Matt Miller and Ryan McCrystal of Bleacher Report.

You'll notice that it's an Alabama and Ohio State-heavy draft, and that zero Oklahoma Sooners are on the list, which feels surprising considering they're FiveThirtyEight's favorite to win the National Championship.

Here are the prospects:

1. Laremy Tunsil (OT, Ole Miss)

Average Rank: 2.4

Top 32s: 5 of 5

Highest Rank: 1

One thing to know: Tunsil was suspended for seven games at the start of the season for violating NCAA rules, but is still projected to be a top pick at the draft.



2. Joey Bosa (DE, Ohio State)

Average Rank: 2.8

Top 32s: 5 of 5

Highest Rank: 1

One thing to know: After garnering J.J. Watt comparisons all season long, Bosa was named a first-team All-American by USA Today.



3. Jaylon Smith (OLB, Notre Dame)

Average Rank: 5.2

Top 32s: 5 of 5

Highest Rank: 3

One thing to know: Smith won the Butkus Award, given each season to the best linebacker in the country.



See the rest of the story at Business Insider

The 10 most popular TV shows on Facebook in 2015

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Facebook has released its 2015 year in review analyzing what users discussed most, and among the topics are pop-cultural obsessions.

"Star Wars: The Force Awakens" was the fourth most-discussed topic in the US during the year (no surprise there if you've looked at your news feed), according to Facebook, and the entertainers who inspired the most conversation included Ed Sheeran, Taylor Swift, and Caitlyn Jenner.

But nothing gets people talking like TV. Here are the shows Facebook says were most popular across the globe in 2015:

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

10. "Orange Is the New Black"



9. "Last Week Tonight with John Oliver"



8. "Grey's Anatomy"



See the rest of the story at Business Insider

Why the ridiculous 'Elf Yourself' app is dominating the App Store

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Like it does every year around this time, an app called "Elf Yourself" has climbed to the top of the App Store charts. 

For the uninitiated, the "Elf Yourself" app, which is actually an ad for Office Depot/Office Max, does exactly what it sounds like: It turns you, and your friends, family, and my colleagues, into dancing elves.

And it's hugely popular. As of Wednesday, it was the number one free app in Apple's App Store, soaring past popular apps like Facebook, Instagram, Messenger, and Snapchat.

There's a good reason why: it's ridiculously entertaining, especially when you use pictures of your colleagues, like this:

 

This is what you see when you first open the app.

You can take a photo with your smartphone's camera, or use one from your camera roll, Facebook, or Instgram. 

When you tap "take a photo," it defaults to the selfie camera, because obviously you're going to want to elf yourself.



Take a photo of your colleague.

Here's Alex Heath, Tech Insider's apps reporter, ready to be elfed. 



Then position the face of the future elf so that it's perfectly aligned.

This picture of Alex is actually too low, as the app recommends putting the dotted line over the person's mouth.  



See the rest of the story at Business Insider

GRANTHAM: Here are 12 ways people get America all wrong

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Jeremy Grantham

People prefer good news over bad news.

That bias is the theme of Jeremy Grantham's new quarterly message to GMO's clients.

"As a bear in the bull market of 1999 I was banned from an institution's building as being 'dangerously persuasive and totally wrong!'" the investment legend wrote. "The investment industry also has a great incentive to encourage this optimistic bias, for little money would be made if the market ticked slowly upwards. Five steps forward and two back are far more profitable."

To illustrate how this bias pervades society, Grantham identified 12 ways the US is thought to be a global leader. And in his charting, he reveals how the facts tell a different, more depressing story.

"It is my attempt to bring home how extreme is our preference for good news over accurate news," he said.

We grabbed his charts to give you a quick summary of what he's talking about.

SEE ALSO: 28 charts that show how America changed since the Fed gave us 0% rates

American wage growth has lagged most of the developed world.



American unemployment is low only because many folks aren't even trying to look for jobs.



America used to be a leader in labor force participation, but not anymore.



See the rest of the story at Business Insider

An Italian company created an electric motorcycle with a 124-mile range

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Italian company Energica has created a new electric motorcycle, Eva, capable of going 124 miles on a single charge.

eva electric bike

That's pretty impressive, but it doesn't beat other competitors in the area — the STORM Pulse bike can go almost as far as a Tesla on a single charge, and it was created by students at Eindhoven University of Technology in the Netherlands.

Still, there are some other impressive perks to Eva worth noting. Here's what we found:

Eva is the first 100% electric motorbike made in Italy.



The bike does not have a gearbox or clutch. Rather, it rides with a ride-by-wire system.



The ride-by-wire system gives the rider greater control when adjusting acceleration and deceleration. Drivers can also utilize a "coasting" feature with it, which is a neutral position between acceleration and regeneration.



See the rest of the story at Business Insider

The CEO of the hottest fintech startup talks expansion plans, the checking account, and Goldman Sachs

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Mike Cagney, the CEO of fintech startup SoFi, wants to lend you money, and he couldn't care less what your credit score is.

"We ignore FICO as an input because it’s just not meaningful," he told Business Insider.

Things like spending patterns and career prospects are much more meaningful to Cagney — and to SoFi, which recently hauled in $1 billion, making its Series E investment round the biggest fintech fundraising deal ever.

The company has amassed a reported valuation in excess of $4 billion and, recently, cracked the $5 billion mark for total loans originated across student loan and mortgage refinancings and personal loans.

For SoFi's — and Cagney's — next act, the company will take on mortgage lenders. It's an industry that has seen increased challenges to traditional loan providers like Wells Fargo in recent years. He even thinks SoFi could one day take on fintech's biggest challenge, and one of Wall Street's biggest businesses: the checking account.

He's not stopping there. SoFi could yet take on wealth management, which has attracted numerous startups, as Cagney tries to take his company and the budding online banking industry into the stratosphere. He thinks SoFi has the potential to become a $30 billion firm.

Business Insider recently caught up with Cagney, who sounded off on everything from interest rates to key court decisions. Following are excerpts from that conversation.

Business Insider: What are your plans to push into new areas?

Mike Cagney: We have a set of initiatives. Some things you're privy to, some things you're not. Things like wealth, insurance, deposit accounts. Basically, we look at it as something that, over the course of 12 months, is going to double the value of our business. More important, we're looking at something like, how do we get to $30 billion of value in five years?

There are areas we think are really interesting with huge opportunity, like life insurance, and then there are areas we think we wouldn't touch with a 10-foot pole, like sub-prime auto lending.

I think we're going to see over the next 12 months a serious distancing of SoFi, not just from the market place universe ... I don't think we actually live in that domain. You're going to see us distance ourselves from the banks too. And see us try to define a different category and a different way to think about that relationship.



Business Insider: What do you think will happen to consumer lending once we see our first rate hike?

Cagney: It’ll get more expensive. [laughs] One, certain businesses, like student-loan refinancing, are going to come under pressure. We started our business around student-loan refi. We’ve now diversified pretty significantly away from that. But that business, by its name, refinancing, is a function of the rate market.

As rates rise, the margin in that space is going to get compressed. I think in terms of the general consumer, you’re going to see cost of credit rise. That could be offset by a strong macro environment. We don’t see that right now.



Business Insider: How do you see the mobile-payments industry developing?

Cagney: [The mobile pay game] is totally up for grabs. What you ultimately need is someone like Apple, for example, to make the capital investment to give every merchant the opportunity to take Apple Pay through the phone. And if they don’t make that investment, it’s hard to see where the catalyst comes from.

The reality is, someone’s got to make the capital investment to get that hardware in place. It’s a huge investment, and it’s a necessary step. We’d love to take advantage of an alternative payment network, but we don’t have the capital resources to go out and put a reader in every merchant’s store. You need to supplant what’s there with something that you can use with no dropoff in service or coverage.



See the rest of the story at Business Insider

We used Amazon's new two-hour wine delivery — here's how it went

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When it was announced on Wednesday that Amazon was launching booze delivery in Manhattan, it was clear Business Insider needed to give the service a test run. 

Amazon launched Prime Now delivery of wine, beer, and spirits in Seattle in August, but New York is only the second city where users can use Prime Now to purchase booze.

Prime Now is more generally available in more than a dozen cities around the US. The mobile app-based service allows for one- and two-hour delivery from Amazon and local business, and is only available to Amazon Prime members. 

Here's how the process of ordering booze with Prime Now in Manhattan works.

First, I needed to download the (free) app.



All users need to enter their zip code to see if Prime Now is even available in their area and to connect users with the correct local businesses.



Prime Now offerings in Manhattan, where I'm ordering my wine, are very different than they would be in Seattle, for instance. My option for ordering booze in my zip code is Union Square Wine and Spirits.



See the rest of the story at Business Insider

CARL ICAHN WARNS: I think the meltdown is only just beginning

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Markets are getting slammed on Friday with stocks tanking, oil prices tumbling, and high-yield bond spreads blowing out.

The sell-off in high-yield — aka junk — bonds, issued by companies with relatively low-credit quality, comes in the wake of Third Avenue Management telling clients that they would not redeem money from a bond fund due to, among other things, "a general reduction of liquidity in the" bond markets.

"Unfortunately I believe the meltdown in High Yield is just beginning,"Carl Icahn warned in a tweet.

This issue of market liquidity— or the ease at which investors are able to buy and sell assets — and the worry that it could suddenly evaporate has been on the minds of market experts for quite a while. Without sufficient liquidity, there's little to prevent the price of an asset from crashing amid a forced sale.

So it's certainly worrisome that a major fund would block clients from redeeming money because of liquidity issues.

"Who will get in if you can't get out?"Janus' Bill Gross asked rhetorically. "Risk off."

Danger ahead

For months, Icahn has been warning trouble was coming to the financial markets.

In a video titled "Danger Ahead," the billionaire Wall Street veteran describes the major problems coming out of 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 that 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 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.



See the rest of the story at Business Insider

The 10 biggest television events of 2015

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katy perry super bowl 2015

Nielsen released its annual "Tops of 2015: TV and Social Media" report this week. In it they reveal the top-10 most watched television events of the year. 

Sports dominated with eight of the most watched telecasts, all of them either a college or NFL game or post-game show during January and February 2015. Each drew upwards of 28 million viewers. "The Blacklist," the only television series to have an episode make the list, got a giant bump from airing right after Super Bowl XLIX coverage. 

Scroll through for the biggest TV events of the year:

SEE ALSO: The 20 best-selling books of the year

SEE ALSO: The 7 most memorable speeches of 2015

10. College Football Playoff semifinal: Alabama vs. Ohio State

Date aired: January 1

Average number of viewers: 28,468,000



9. AFC Divisional Round Playoff post-game: Colts vs. Broncos

Date aired: January 11

Average number of viewers: 28,581,000



8. The Blacklist

Date aired: February 1

Average number of viewers: 30,489,000



See the rest of the story at Business Insider

8 ways dating and relationships may look different by 2040

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Dates in the future may not happen in coffee shops — instead, you might just sit in your living room with a virtual reality headset, according to a report from Imperial College London and eHarmony.

The report predicts how relationships will change over the next 25 years (and discusses how they've already changed in recent years) using eHarmony's user data; historical accounts; and interviews with anthropology, technology, and biomedicine experts. 

"People want to be matched — and ultimately form relationships with — like-minded people in the most efficient way possible," eHarmony's UK director Romain Betrand tells Tech Insider. "What’s different is how people will go about it, redefined by advances in science and everyday consumer technology."

Here's how dating and relationships could look by 2040.

SEE ALSO: I reviewed every major dating app from a guy's perspective — here's what they were like

Dates in virtual reality.

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Forget swiping right on Tinder — dates in VR could make things a whole lot easier.

In 2015, people have already popped the question in VR. By 2040, you may be able to hold someone's hand before you actually "meet" them IRL.

With new VR technology, we might not only be able to see and hear other people, but touch and smell them too.

"Nobody would be really too far away to have a relationship with," he says. "It would be like your partner is in the room with you when you want them around."



The ability to see how our partners feel.

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Photo courtesy of New Deal Design

In the future, we may be able to physically see a person's emotions.

New Deal Design, the designers behind Fitbit's trackers, are working to create a "tattoo" embedded under the skin that visualizes health and emotions.

When someone touches or feels something, the tattoo, called UnderSkin, will glow a personalized pattern. For example, when a person holds their partner's hand, the tattoo may glow in the shape of a pentagon to express love.

The designers believe they could build UnderSkin by 2021.



Relationships with robots.

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When we're feeling introverted, we could one day turn to robots instead of humans.

Interacting with a robot, rather than a partner, could create less emotional pressure, says managing director of Silicon Valley Robotics Andrea Keay. By 2029, the report predicts we could have two soul mates: one human and one robot.



See the rest of the story at Business Insider

These historic American islands could be gone in just a few decades

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On a remote island in the Chesapeake Bay, residents of Tangier Islands go about business as usual. People work as commercial crabbers or oyster fisherman, and travel about the island's 1.2 square miles in golf carts, the preferred mode of transportation. A trusty mail boat pulls into the harbor daily to deliver food and supplies, rain or shine.

There's just one problem: The island is disappearing beneath their feet.

Climate change and extreme weather events affect low-lying coastal areas around the world, including, most famously, the far-off islands Kiribati and the Maldives.

Here in the US, rising sea levels threaten to submerge Virginia's Tangier Islands underwater in the next 100 years, according to a report by the US Army Corps of Engineers published in the journal Scientific Reports on Thursday.

The authors of the study believe if preventative action is not taken, Tangier's residents may need to be relocated as early as 2040 — becoming the first climate change refugees in the continental US.

Here's what it's like to live there.

Additional reporting and photos by Christian Storm.

Looking out from a dock in Crisfield, Maryland, you just might miss the Tangier Islands on the horizon. Only the water tower is visible from the US mainland.



Located in the heart of Chesapeake Bay, Captain John Smith and his crew explored the islands in 1608. The Pocomoke Indians camped there long before then.



Back in the seventeenth century, Tangier existed as a single plot of land. But rising sea levels flooded it and broke the mass into a constellation of islands.



See the rest of the story at Business Insider

Here's what a one-bedroom apartment looks like in America's most expensive rental markets

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With rents on the rise in several of America's largest cities, it's always helpful to know what your money can get you.

The sad truth, however, is that it'll go a lot farther in some cities than others. A one-bedroom apartment in New York City, for instance, goes for about $2,000 more than the same-sized apartment in Dallas.

With the help of real estate marketplace Zumper and its December national rent report, we've compiled a sampling of one-bedroom listings in the 20 most expensive markets in the US.

Each listing is within $100 of the respective city's median rental price.

SEE ALSO: Here's what a four-bedroom home looks like in America's most expensive markets

SEE ALSO: A New York City apartment is renting for $300,000 a month

20. AUSTIN, TEXAS: Luxury one-bedroom apartments are available at The District at Soco for just over $1,100.

Rent: $1,166/month

Neighborhood: South Congress

Each unit features a gourmet kitchen with a built-in island countertop, a dishwasher, and stainless steel appliances.



19. MINNEAPOLIS, MINNESOTA: This updated apartment is just three blocks from Lake Calhoun.

Rent: $1,145/month

Neighborhood: Cedar Isles

This apartment building has laundry rooms on every floor and a brand-new fitness center with a sauna and indoor pool. The units feature a spacious bedroom and bathroom.



18. DALLAS, TEXAS: Rent a one-bedroom in a gated community with a fitness center, clubhouse, and pool for less than $1,200 a month.

Rent: $1,175/month

Neighborhood: Deep Ellum District

These units have contemporary finishes, custom kitchens, and in-unit washer-dryer connections. The surrounding community is home to Baylor students and young professionals.



See the rest of the story at Business Insider

10 epically failed TV spin-offs that should have worked

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Spin-offs aren't always a bad idea. If a show is doing well, it's logical to networks and studios that a related series would be a draw for viewers.

But despite the research and talent involved, creating a hit isn't always that predictable, to the chagrin of executives.

The TV graveyard is full of failed spin-offs that should've been hits. And for every "Better Call Saul" that's chugging along fine, there are many spin-offs that never capture the glory of their predecessors.

Here's a look at 10 of those failed TV spin-offs that really should've done better.

SEE ALSO: RANKED: All 13 late-night shows from best to worst

MORE: 9 TV shows you're not watching that you should be

"Joey" (NBC spinoff of "Friends")

So "Friends" is one of the most-watched shows of all time, and it's coming to an end after 10 seasons. NBC needs to keep the heat going and decides to create a new series featuring Joey (Matt LeBlanc). It would follow him to LA as he worked on his acting career. Sounds like a solid plan, right?

But fans apparently didn't care about Joey without his friends. The show survived its first season, but was canceled midway through its second season with lowered ratings. The remaining episodes would go unaired.



"The Apprentice: Martha Stewart" (NBC spinoff of "The Apprentice")

It was 2005 and Donald Trump's "The Apprentice" was averaging 16 million viewers a week. NBC saw an opportunity in a spin-off with domestic diva Martha Stewart. The show, which was shot while Stewart was on house arrest for white-collar crime, didn't catch on with viewers and was canceled by NBC after its first season.



"Caprica" (Syfy spinoff of "Battlestar Galactica")

The love for "Battlestar Galactica" didn't end when the show did in 2009 (the remake, not the original 1978 series). Sadly, there wasn't as much interest in the prequel spin-off "Caprica" when it aired in 2010. As a result of low ratings, Syfy pulled the show with five episodes yet to air.



See the rest of the story at Business Insider

8 lifestyle changes to make if you want to earn more money

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When it comes to earning more money and growing your wealth, sometimes all it boils down to is establishing key habits and making small lifestyle changes.

"Success is a learnable skill," emphasizes T. Harv Eker in his book "Secrets of the Millionaire Mind.""If you want to be a great golfer, you can learn how to do it. If you want to be a great piano player, you can learn how to do it ... If you want to be rich, you can learn how to do it."

If you want to learn how to get rich — how to grow and master your money — consider these eight lifestyle changes:

SEE ALSO: 21 lifestyle changes to make if you want to save more money

Start hanging out with people you admire

Andrew Carnegie, who started with nothing before becoming the richest man in the country, credits all of his riches to one principle: the Master Mind.

The idea is that you surround yourself with talented people who share your vision because the alignment of several smart and creative minds is exponentially more powerful than just one.

Plus, we become like the people we associate with, which is why the rich tend to associate with others who are rich.

"In most cases, your net worth mirrors the level of your closest friends,"explains self-made millionaire and author Steve Siebold. "Exposure to people who are more successful than you are has the potential to expand your thinking and catapult your income. The reality is, millionaires think differently from the middle class about money, and there's much to be gained by being in their presence."



Get a part-time job

If you want to earn more, a simple solution is to work more — and you'll get a lot more out of a second job than extra income.

You'll grow your skill set by working in a different field, put your brain to work in a different context, and expand your network. Plus, it's a great opportunity to monetize a specific interest of yours — such as photography, music, tutoring, or coaching — or turn your passion into a side hustle.

Check out high-paying jobs you can do on the side and read about how to start a side-hustle from a woman who earned up to $4,000 a month on the side.



Bury your head in books

Rich people would rather be educated than entertained— if you want to be like them, cut the cable and dive into books on investing or personal finance, or pick up a successful person's biography.

"Walk into a wealthy person's home and one of the first things you'll see is an extensive library of books they've used to educate themselves on how to become more successful,"Siebold writes.

Take billionaire Warren Buffett, for example, who estimates that 80% of his working day is dedicated to reading.

While the rich don't necessarily put much stock in furthering wealth through formal educationmany of the most successful people have little formal education— they appreciate the power of learning long after college is over.



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TOM LEE: These 9 stocks could be the 'FANGs' of 2016

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lion fangs growl teeth

This year in the stock markets, it's been all about the FANGs.

The group of Facebook, Amazon, Netflix, and Google have by themselves kept the S&P 500 in positive territory. The four companies are up 86% in 2015, but according to Fundstrat's Tom Lee that isn't going to continue next year.

"Since 2005, top 10 stocks underperformed the following year by an average of 290bp," he wrote in a note to clients. "In other words, what was the top performer in 2015 is unlikely to see follow through."

Lee said that the top 10 stocks from a given year underperform the broader market the following year 52% of the time. Additionally, Lee said that since the FANGs are growth stocks, that's good for value stocks next year.

Based on this idea, Lee assembled a list of value stocks that weighed heavily on the S&P this year, with the idea that this year's losers will next year become winners.

"Look at [the] worst stocks as possible FANGS for next year," he said.

Lee had four factors for inclusion:

  1. Stock is one of the bottom 25 contributors to S&P 500 point change YTD 2015
  2. Stock’s dividend yield is greater than its bond yield
  3. Market cap is at least $10 billion
  4. Positive implied upside (based on the analyst price targets from nine different firms)

We've compiled Lee's list below, along with each stocks contribution to the S&P 500 this year, the implied upside, and Lee's estimate for earnings growth over the next three to five years.

Check them out.

National Oilwell Varco

Ticker: NOV

Current Price: $33.80

Contribution to S&P 500 year-to-date: -1.5 points

Mean Implied Upside: 14%

Estimated earnings per share growth: -7%



Caterpillar Inc.

Ticker: CAT

Current Price: $66.38

Contribution to S&P 500 year-to-date: -1.6 points

Mean Implied Upside: 2%

Estimated earnings per share growth: 9%



IBM

Ticker: IBM

Current Price: $136.78

Contribution to S&P 500 year-to-date: -2.5 points

Mean Implied Upside: 10%

Estimated earnings per share growth: 11%



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15 stunning photos that show how Dubai has become the 'Manhattan of the Middle East'

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Dubai

Just 15 years ago, Dubai was a sparse desert outpost. Today, it's home to the 2,716-foot Burj Khalifa — the tallest building in the world — the 1,358-foot Princess Tower, and more than 150 other towering skyscrapers. Multimillion-dollar apartments and a bustling tourist scene have put Dubai on the radar of the ultra-wealthy.

Some are even calling Dubai "the Manhattan of the Middle East," but its year-round sunshine and warm weather is an advantage that even New York City can't beat. Trendy restaurants and bars, water sports, and other attractions keep both the locals and foreigners happy, and its skyline is a new level of urban beauty.

Ahead, see 15 photos of what life is like in the United Arab Emirates' biggest city.

SEE ALSO: Incredible pictures give a totally unexpected perspective into how the 1% lives

The skyscrapers of the Marina and Jumeirah Lake Towers districts have been described as having "Manhattan-style" architecture and amenities.



The real estate market is similarly hot. Recently, a 12,400-square-foot apartment in the downtown area of Dubai came on the market for $15.25 million.



Apartment complexes in the Marina generally have luxurious accommodations with skyline pools and concierge services.



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