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Loads of Americans are moving out of these 18 states

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People move for many different reasons. For instance, some get new jobs, others retire, and some just want to be closer to their families.

While many people in the US move within the same state — the Census Bureau estimated in 2011 that 40% of moves are within 50 miles — there are patterns for those who did make interstate moves, according to Atlas Van Lines, a national moving company.

Atlas looked at 77,705 interstate moves and found that 18 states had more people moving out than in, whereas 12 had the reverse happen. We rounded up the 18 that had outflows for 2015. Most are in the upper-Midwest, which Atlas said has been on an outbound trend for a while.

"The Midwestern states experienced a major shift to outbound moves, with Wisconsin, Iowa and South Dakota going from balanced to outbound in 2015," said the report. "Similar to 2013 and 2014, North Dakota was the only state in the region to register as inbound."

See the states that topped the list, in order from lowest to higher percentage outbound migration:

18. Louisiana

Total people moving in: 891

Total people moving out: 1121

Net Flow: -230

Percent of Moves Outbound: 55.7%



17. West Virginia

Total people moving in: 222

Total people moving out: 280

Net Flow: -58

Percent of Moves Outbound: 55.8%



16. Nebraska

Total people moving in: 418

Total people moving out: 528

Net Flow: -110

Percent of Moves Outbound: 55.8%



See the rest of the story at Business Insider

RANKED: The economies of all 50 US states and Washington, DC, from worst to best

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The US has an enormous economy, and that economy is the sum of the economies of 50 states and the District of Columbia.

We ranked the economies of all the states and DC on seven measures: unemployment rates; GDP per capita; average weekly wages; recent growth rates for nonfarm payroll jobs; GDP; house prices; and wages. For more on our methodology, click here.

In addition to looking at some of the economic metrics that went into the ranking, we identified a symbol for each state and DC, according to Wikipedia.

SEE ALSO: The 21 best jobs of the future

51. West Virginia

West Virginia was the only state with a decline in home prices between Q3 2014 and Q3 2015, with prices falling by 0.1%. The state's labor market is also suffering: The November 2015 unemployment rate of 6.5% was the third highest in the country, and West Virginia was one of only five states to see a drop in nonfarm payroll employment between November 2014 and November 2015, with a 1.4% decline.



50. New Mexico

New Mexico's November unemployment rate of 6.8% was the highest among the states and DC. Wages are low and stagnant: The October 2015 average weekly wage of $709 was the third lowest in the country. Wages fell 0.7% between October 2014 and October 2015, the seventh-worst change.



49. Oklahoma

Oklahoma has been a huge oil-producing state, and while drilling-heavy states have tended to do well in previous editions of our rankings, the collapse in oil prices and in active drilling rigs is starting to hurt.

Oklahoma was one of just four states with negative GDP growth in Q2 2015, and its annualized decline of 2.4% was the worst in the country. The state 0.1% decline in nonfarm payroll jobs between November 2014 and November 2015, the fifth-worst rate among the states and DC. The average weekly wage in the state fell 0.9% during that same period.



See the rest of the story at Business Insider

Here are some of the best values in tech right now

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The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships so we may get a share of the revenue from your purchase.

JBL Clip+, $39.99.We’re two weeks into the new year, which means many heartfelt resolutions are probably at their breaking point. If your list of vows includes “spend less,” however, you can still make good.

That’s especially the case if you’re thinking of pulling the trigger on an expensive new gadget. Before you potentially suffer through a bout of buyer’s remorse, know that there are tons of devices whose low price tags belie their overall quality.

We spend most of our days looking for these very values, but today we’re rounding up a few of our favorites. Simply being happy with what you’ve got will always be the most prudent way to save, but if you absolutely need something new, you might as well get the most bang for your buck. Here’s some affordable tech that will help you do that.

SEE ALSO: Here’s everything you should consider before buying a new laptop

READ THIS: These are the most popular products of 2015, according to Business Insider readers

IN CASE YOU MISSED IT: These are today's best deals from around the web

Headphones

You may lose some style by passing on that pair of Beats, but some of the better cheap headphones aren’t as far off in sound quality as you might think.

With its bright, crisp signature and refined looks, the RHA S500 are our current favorites for less than $40. The Koss Fitclips are a lightweight, sweat-resistant alternative for fitness enthusiasts at $10, while the Panasonic RP-TCM125ssound remarkably balanced for about the same.

Going bigger, the full and spacious sound of the $15 Monoprice Hi-Fi Lightweight On-Ear Headphones rivals cans five times as expensive. Finally, the Koss SportaPro may be well over a decade old at this point, but the warmth and clarity it gives most tracks is timeless.

RHA S500, $39.95, available at Amazon.
Koss Fitclips (Lime), $12.05, available at Amazon.
Panasonic RP-TCM125 (Blue), $11.03, available at Amazon.
Monoprice Hi-Fi Lightweight On-Ear Headphones, $14.99, available at Monoprice.
Koss SportaPro, $22.13, available at Amazon.



Smartphones

No cheap smartphone will feel as nice or run as smooth as an iPhone 6s or Nexus 6P, but you can still get something perfectly stable for less than $250 unlocked.

Our favorite value at the moment is the Alcatel OneTouch Idol 3, which packs a big, vivid 1080p display and good battery life into a lightweight frame. The Moto Gis (marginally) behind in build and display quality, but it runs stock Android and is easier to use with one hand.

We’ll also make an early note for the Huawei Honor 5X: We haven’t tested it yet, so we can’t give it a recommendation, but the metal frame, fingerprint sensor, and spec sheet all look appealing for $200.If nothing else, it’s one to keep an eye on.

Alcatel OneTouch Idol 3, $249.99, available at Amazon.
Motorola Moto G, $219.99, available at Amazon.
Huawei Honor 5X, $199.99 (pre-order), available at Amazon.



Phone cases

If you’ve already committed to a pricier phone, though, you can still save some cash with your next case.

The Incipio NGPisn’t as protective as that Otterbox you’ve scoped out, but it’s lighter, it fits tightly, and it’s still durable enough to withstand everyday bumps and drops. Plus it’s $8.

If it’s a wallet case you’re after, though, the Verus Damda Slideis capable of holding a couple of cards, and comes in a bunch of colors to boot.

Incipio NGP for iPhone 6/6s (Black), $7.89, available at Amazon.
Verus Damda Slide for iPhone 6/6s (Red), $12.99, available at Amazon.



See the rest of the story at Business Insider

7 cautionary lessons anyone can take away from 'The Big Short'

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the big short

“The Big Short” has done something a lot of personal finance writers haven’t been able to do for years: Make the economic collapse entertaining! Heck, it even makes subprime loans sexy by having actress Margot Robbie explain them while taking a bubble bath. The movie fully deserves its Best Picture Oscar nomination.

You’ll laugh until you cry while watching the film, but you don’t want to miss the sober money lessons it offers. Here are seven important takeaways.

 

SEE ALSO: I help multimillionaires manage their money, and here are the 10 best pieces of financial advice I can give you

1. Be very careful about who you trust with your money.

People who take charge of their lives in so many other ways often cede control to others when it comes to money. That’s not necessary and can be a disaster (ahem, Madoff). Even if you hire an advisor, stay involved in the decision making and on top of the numbers.

The financial disasters chronicled in “The Big Short” are hardly isolated incidents. Many times in history, so-called experts have gotten regular people in a lot of trouble. They probably will again. So be very stingy with your trust. Nobody cares more about your money than you do.



2. Ask what’s in it for your adviser.

Car salesmen may offer advice on different models, but, ultimately, they’re trying to sell a car. Financial advice can often work the same way. Someone who gets paid when you buy specific funds or complicated financial products is, ultimately, a salesperson.

In a telling scene, Ryan Gosling’s character demands to know “How are you f***ing us?” before his firm will agree to an investment. It’s a great question consumers should ask before they give their money to someone. (“What do you get out of this?” is a more elegant way to ask it.)

If advisers make commissions from certain funds they invest in or products they sell, that doesn’t necessarily mean they’re the wrong choices for your portfolio. But they may not be the best. So it’s worth asking.



3. If you don’t understand it, it’s not for you.

Who cares if you don’t know what a credit default swap is? It’s just insurance, but that’s not the point. Complicated terms may be created—or thrown into conversations—by financial folks in part to make you feel inadequate so you stop asking questions and think only they can take care of your money.

Don’t make that mistake. Instead, ask for an explanation in plain, simple English. The minute someone starts layering on the lingo, hit the eject button. Whatever someone else is doing with your money should be easily explained in a few sentences.

 



See the rest of the story at Business Insider

The 25 public high schools with the best teachers in America

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Academy for Information Technology NJ

The difference between a good and a bad teacher can make or break a class — especially for high-school students in the midst of preparing for college.

As part of their annual public-school rankingsNiche, a company that researches and compiles information on schools, found the places across the country that boast the highest-caliber public-school teachers.

To compile their rankings, Niche examined over 100,000 schools based on 27 million reviews from more than 300,000 students and parents. Many are charter or magnet schools, meaning they pull in qualified students from around their districts. You can read more about the methodology here.

Each of these schools received an "A+" ranking for their teachers — their numerical Niche scores are also listed below. Many of the schools boast a deep roster of these teachers, too, with student-to-teacher ratios below the national average of 16:1.

Read on to see the top-25 public high schools with the best teachers.

SEE ALSO: The best public high school in every state

DON'T MISS: The 25 best public high schools in New York

25. Academy for Allied Health Science

Scotch Plains, New Jersey

Teacher rating: 93.81

Student-to-teacher ratio: 16:1

Academics: A+

One junior said:

The teachers of this school I would say are some of the best. They never fail to push us to understand the topics at hand and make sure to engage each and every student as much as they can. They make sure we are at the top of our game and as much as we rely on them they [rely on us] as well, asking us questions on how to improve the course and make it better to understand. Overall, they push us to know more than just what is said in a textbook and never fail to give real life examples for better understanding.



24. Granada Hills Charter High School

Granada Hills, California

Teacher rating: 93.82

Student-to-teacher ratio: 27:1

Academics: A+

"Teachers at Granada genuinely care about each of their students and offer assistance concerning any trouble," a student commented. "When confused or need help, they will lend a helping hand and offer tutoring. They are some of the smartest people I know."

Many students also feel prepared for college after their time at Granada Hills.

"I think the teachers were hard working and provided a solid groundwork for students to learn from for the realities of the future," one graduate said.



23. Glenbrook North High School

Northbrook, Illinois

Teacher rating: 93.99

Student-to-teacher ratio: 13:1

Academics: A+ 

"The teachers in our school are passionate about what they teach and although not all the topics learned will pertain to our lives outside of high school, they do their best to apply what we learn to real world situations," one senior said.



See the rest of the story at Business Insider

This is the best time to book a flight to 10 destinations around the world

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While many of us might think booking a flight early is the best bet to lower costs, sometimes the opposite can be true.

To help make it easier, KAYAK analyzed flight searches from the US and Canada between November 1, 2014 and October 31, 2015, determining the change in cost for 10 luxury cities when booking from a period of one month to six months before departure. 

The data is part of KAYAK's 2016 Travel Hacker Guidein conjunction with the 10 Luxury for Less Destinations list within the guide.

Keep scrolling to see when it's best to book early and when you can get away with that last-minute trip.

SEE ALSO: This is the best time of the week to book a flight, according to Expedia

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

Medellín, Colombia — Median airfare by days before departure ranged from $529 to $653.

Best time to book: Four months before departure

Worst time to book: Five months before departure

Click here to learn more »



Kuala Lumpur, Malaysia — Median airfare by days before departure ranged from $1,044 to $1,200.

Best time to book: Two months before departure

Worst time to book: Four months before departure

Click here to learn more »



Ho Chi Minh City, Vietnam — Median airfare by days before departure ranged from $798 to $1,059.

Best time to book: Six months before departure

Worst time to book: Three months before departure

Click here to learn more »



See the rest of the story at Business Insider

The 20 most exciting TV shows of 2016

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This year is already shaping up to be a great year for television, and it's only been a week.

It started strong with the return of ABC's "American Crime," a surprisingly good TV entry by Jennifer Lopez on NBC's "Shades of Blue," and the fantasy series "Shannara Chronicles" from, of all places, MTV.

But there is much more to look forward to in the new year. Cult favorites like "The X-Files" and "Gilmore Girls" are getting revived. Meanwhile, big names are bringing on very exciting new takes on popular genres, as in HBO's "Westworld," TBS's "Angie Tribeca," and Netflix's "Love."

That's just the tip of the iceberg. 

Here are 20 new and returning shows we're most looking forward to:

SEE ALSO: 10 TV shows in 2015 that didn't live up to the hype

MORE: The 13 biggest breakout stars in TV from 2015

"Billions" (Showtime), Premieres January 17

Power and politics shake hands, clash, and compete in this New York-set series starring "Homeland" and "Wolf Hall" star Damian Lewis and Oscar-nominated Paul Giamatti ("Cinderella Man,""Sideways").



"Angie Tribeca" (TBS), Premieres January 17

So many questions about "Angie Tribeca."

First, "Parks and Recreation" star Rashida Jones' next gig is a police procedural. Then, TBS announced it would air all 10 episodes of the show's first season on January 17 and that it has already renewed it for 10 more "seasons"— each just one episode and airing a new "season" every week. Then, we found out it was a parody of cop shows from "The Office" star Steve Carell and his wife, Nancy.

Everyone needs to tune in for this just to figure out what the fuss is about.



"Marvel's Agent Carter" Season 2 (ABC), Premieres January 19

Next to "Daredevil,""Agent Carter" is Marvel's most fully realized series in its television rollout. Smart, funny, and stylish, the series relocates Peggy Carter (Hayley Atwell) in its second season to Los Angeles to hunt down the sinister threats behind the Hollywood facade. This will be good.



See the rest of the story at Business Insider

The unusual items that Donald Trump, Mark Cuban, and 11 other successful people have in their offices

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mark cuban

We all have our idiosyncrasies and bizarre routines that keep us sane. Certain objects and rituals add comfort to our lives and make us feel at home.

A comfortable work space is an incredibly important factor when it comes to being productive.

Check out how these successful people have made their offices their own with a variety of unusual, yet meaningful, items.

SEE ALSO: See what the desks of 39 successful people look like

DON'T MISS: The 27 jobs that are most damaging to your health

LeBron James likes to keep Bruce Wayne close by.

The NBA legend keeps a replica Batman mask in his pristine LRMR Marketing firm office in Akron, Ohio, according to ESPN.



"SNL" producer Lorne Michaels has a present from Reese Witherspoon in his office.

Vanity Fair reported that the creator and producer of "Saturday Night Live" keeps a dog-head inkwell that actress Reese Witherspoon gave him.

The comedian also has a bobblehead of his favorite New York Yankee, Paul O'Neill.



American businessman and presidential candidate Donald Trump has one of Shaquille O'Neal's sneakers.

During a tour of his office in Trump Tower near Central Park, Donald Trump showed The Wall Street Journal's Monica Langley one of his prized pieces of memorabilia: a shoe that Shaquille O'Neal took off after a game and gave to him.

"This is some serious foot," he said of the sizable sneaker.



See the rest of the story at Business Insider

We tried one of the most popular diet plans to see what the food is really like — and what we found was shocking

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Nutrisystem 1

Nutrisystem has been around for 35 years and claims to be an easy and affordable way to lose weight. The company provides prepared food and meal plans. Its diet plans are designed as portion controlled, pre-prepared meals.

The most basic meal package is $9.64 per day, or $269.99 for a 4-week package. With this plan, customers are given a variety of food selected by Nutrisystem with the potential of losing 10 pounds and 5-inches off the waist in one month. 

Nutrisystem provides a grocery guide with all the extra items allowed while on the diet plan, as well as a "My Daily 3", an activity agenda with suggested activities for exercise.

We tested out Nutrisystem's packaged meals to see what the food is really like. While our expectations were reasonable going in, we were shocked at how tiny the portions were.

Nutrisystem is a diet plan that provides customers with pre-packaged food by the day or by the week. It costs $9.64 per day, or $269.99 for a 4-week plan. We got one week's worth of food — 28 items — to see how it works.



Dietitians at Nutrisystem designed the program to contain small portions, balanced nutrition, and frequent meals. The program encourages customers to eat every 2-3 hours. We discovered that the portions are shockingly tiny.



We began by tasting a few of the breakfast items — all of which needed to be microwaved for preparation. Here are the items we tried:



See the rest of the story at Business Insider

The 19 best online programs for getting your bachelor's degree

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For many people, restrictions on time and money make going to school full time impossible. But with the rise of online programs, it's easier and more affordable than ever to earn a degree — no matter where in the country you reside. 

U.S. News & World Report recently released its 2016 list of the best online programs for earning a bachelor's degree, focusing on schools that effectively deliver affordable undergraduate degrees in a reasonable amount of time. To determine the rankings, U.S. News considered four categories: student engagement, faculty credentials and training, student services and technology, and peer reputation. (You can read a full breakdown of the methodology here.) Note that because of multiple ties, the ranking only goes through No. 17. 

Read on to see the 19 schools that make earning a degree online as seamless as possible, according to U.S. News.

 

SEE ALSO: The 50 colleges where students work the hardest

DON'T MISS: The 50 best business schools in the world

17. TIE: University of Nebraska at Omaha

U.S. News score: 90

Cost per credit: $409 (out-of-state), $257 (in-state)

Most popular major: Business/commerce

The University of Nebraska at Omaha offers more than 20 fully online degrees, including highly specialized programs like architectural engineering, gerontology, and aviation studies. A military-friendly school, UNO provides extra benefits to veterans, including participation in the Yellow Ribbon Post 9/11 GI Bill. 



17. TIE: Regent University

U.S. News score: 90

Cost per credit: $395

Most popular major: Business administration and management

Online students at Regent University take classes from the same top-notch professors who teach on campus. Like with traditional classes, students still participate in class discussions via online threads and develop a community among their classmates, all while maintaining an independent schedule. 



17. TIE: Charleston Southern University

U.S. News score: 90

Cost per credit: $490

Most popular major: Business administration, management and operations

Charleston Southern University offers three bachelor's degree programs for students who have no college experience up to those holding associate's degrees.

Students in the organizational management program can take advantage of classes with rolling enrollment, which allows them to complete two accelerated seven-week courses per semester. 



See the rest of the story at Business Insider

The 10 best big cities in the US to buy a home instead of rent

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In a lot of big cities, buying a home only makes financial sense if you're staying put for a while. In New York City, where the housing market is notoriously competitive, it may not be worth your money to buy a home unless you live there for 18 years.

That's according to a recent SmartAsset report, which calculated the "breakeven point"— the point at which the total costs of renting become greater than the total costs of buying — for 29 major cities.

Read the full methodology.

Everyone's situation is different, and there is no universal answer to the rent versus buy question. In this analysis, the cities with the shortest time to break even are the best places to buy.

Here, we rounded up the 10 cities with the shortest breakeven points. We also included the average monthly mortgage payment, monthly rent, and home price, from SmartAsset's report:

SEE ALSO: How long you have to live in 15 major US cities to make buying a home worth your money

Tampa, Florida

Average monthly rent: $1,349

Average monthly mortgage payment: $776

Average home price: $191,536

Breakeven year: 4.1



Charlotte, North Carolina

Average monthly rent: $1,168

Average monthly mortgage payment: $757

Average home price: $186,693

Breakeven year: 4.1



Atlanta, Georgia

Average monthly rent: $1,263

Average monthly mortgage payment: $823

Average home price: $202,969

Breakeven year: 4.1



See the rest of the story at Business Insider

Most of the universe is missing — here are 5 ambitious experiments that might find the rest

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dark matter

Everything that we see around us — planets, stars, nebulas, and so on — only makes up about 15% of the matter in the universe.

The other 85% of matter is missing. Scientists call this invisible stuff "dark matter" because we can't see it and, so far, no one has directly detected it.

We know dark matter exists only because all the matter that we actually can see can't explain the motion of stars and galaxies in the universe. Not even close.

It's become one of the biggest mysteries in physics. There are a lot of differing theories about what dark matter is made of, and how we might actually find it.

From deep underground caverns to laboratories in space, here are five of the coolest dark matter experiments that are attempting to solve this cosmic mystery.

No one knows what dark matter is or how to detect it. The race is on to find it.



One lab in South Dakota is hot on the trail. It's called the Large Underground Xenon (LUX) experiment.

Source



LUX scientists are trying to detect dark matter by catching it bumping into visible matter.

Source



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I tried out a startup that lets you borrow someone else's dog — here's what it's like

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Puppy in Grass

There's no shortage of well-funded startups that cater to dogs and their owners.

BarkBox, a New York City-based startup, is a subscription-box service catering to dog lovers that's raised $21 million in VC funding. Los Angeles-based DogVacay, a sort of Airbnb for dogs, has raised $47 million.

Now there's a new startup called Bark'N'Borrow that wants to match up dogs in need of a sitter with people who love them.

Founded by Liam Berkeley in 2014, the startup is based in Los Angeles and connects people who want to hang out with a dog — maybe take one for a walk or keep it overnight.

It's free to use for dog owners and dog borrowers, though the service has a professional tier where money is exchanged between dog owners and professional dog walkers and sitters. The startup makes money by taking a cut of the money exchanged on the service's professional tier.

I live in New York City, and it's not easy to convince a landlord here to let you have a dog. I tried out Bark'N'Borrow's service to borrow a dog for a few hours this weekend.

SEE ALSO: I let anyone send me pictures on Snapchat for 6 weeks — here's what happened

Liam Berkeley started Bark'N'Borrow in 2014. He and his girlfriend wanted a dog but couldn't have one themselves at the time. So he created a network for people to borrow other people's dogs. You can use Bark'N'Borrow to find a cute dog nearby to take on a walk or hang out with for a few hours. It's free — you don't get paid to take a dog on a walk — though the company has expanded to paid jobs for professional sitters.

 

 



When you download the app, you're prompted to make a profile about yourself. I added a picture of me holding my parents' dog.



This is what dog owners see of you, so you want to make it clear you're a dog person. I think I spent longer crafting my Bark'N'Borrow profile than I ever have my Tinder bio.



See the rest of the story at Business Insider

Some genetic mutations that can give you 'superpowers'

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More than 99% of your genetic information is exactly the same as every other person on the planet.

Your genes determine your skin color, gender, hair color, and whether or not you have certain genetic diseases.

But it's in that less than 1% that things get interesting. Specific genetic variations, allow some of us to acquire certain — dare we say super — qualities.

Here are the ways our genes can predispose us to have special abilities:

NEXT: I tried 23andMe's new genetics test — and now I know why the company caused such a stir

SEE ALSO: The way the horrific villain in ‘Jessica Jones’ got his superpowers isn’t entirely unreal

ACTN3 and the super-sprinter variant

We all have a gene called ACTN3, but certain variants of it help our bodies make a special protein called alpha-actinin-3. This protein controls fast-twitch muscle fibers, the cells responsible for the speedy tensing and flexing of the muscles involved in sprinting or weight-lifting.

This discovery, which happened around 2008 when geneticists studying elite sprinters and power athletes found that very few among them had two defective ACTN3 copies, is what led to the gene being dubbed the "sports gene." 

Among the general population, however, some 18% of us are completely deficient in the speedy-muscle-contracting protein — we inherited two defective copies of ACTN3.



hDEC2 and the super-sleeper mutation

Imagine if you could feel totally energized on just 4 hours of sleep each night. Some people are naturally that way. These people are called "short-sleepers," and scientists are only recently uncovering what exactly predisposes them to be this way. For the most part, researchers believe the capabilities are connected to specific genetic mutations, and have publicly identified one on the hDEC2 gene. 

That means short sleeping habits can run in the family, and scientists hope to one day learn how to harness this ability so it can be used to help people switch up their sleeping routines.



TAS2R38 and the supertaster variant

About a quarter of the population tastes food way more intensely than the rest of us.

These "supertasters" are more likely to put milk and sugar in bitter coffee, or avoid fatty foods. The reason for their reaction, scientists think, is programmed into their genes, specifically one called TAS2R38, the bitter taste receptor gene. The variant responsible for super-tasting is known as PAV, while the variant responsible for below-average tasting abilities is known as AVI.



See the rest of the story at Business Insider

How long you have to live in 15 major US cities to make buying a home worth your money

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Should you rent or buy a home?

If you're living in a major city, chances are the housing market is competitive — and with higher prices, fees, and closing costs, it may not make sense to buy unless you're staying put for several years.

To give you an idea of just how long you have to stay in a city for it to be worth your money to buy, personal finance site SmartAsset calculated the breakeven point — the point at which the total costs of renting become greater than the total costs of buying — for 29 major cities.

SmartAsset compared the total costs of buying and renting for a household earning $100,000 a year. For the buying scenario, the research team assumed a mortgage rate of 4.5%, closing costs of $2,000, and a down payment of 20%.

Read the full methodology.

A shorter time to break even means it's a better place to buy soon.

Read on to see how long it would take to break even in 15 major US cities cities. We've also included the average monthly mortgage payment, monthly rent, and home price, from SmartAsset's report:

SEE ALSO: Here's how much it costs for a family to live in 20 major US cities

15. Pittsburgh

Average monthly mortgage payment: $560

Average monthly rent: $1,069

Average home price: $138,235

Breakeven year: 4.3



14. Denver

Average monthly mortgage payment: $1,114

Average monthly rent: $1,504

Average home price: $274,835

Breakeven year: 5.4



13. Phoenix

Average monthly mortgage payment: $1,122

Average monthly rent: $1,410

Average home price: $276,744

Breakeven year: 5.7



See the rest of the story at Business Insider

This Instagram star has contracts with brands like L'Oreal — and it's estimated she's making millions from her craft

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Kristina Bazan

Kristina Bazan is not your average fashion blogger and Instagrammer.

The 22-year-old is an Instagram star. She has over 2.2 million followers. Her blog, Kayture, is wildly popular.

In October, Women's Wear Daily reported that she landed a deal as a L'Oreal ambassador.

"Kristina really works with us, she gives us feedback on our products, and as she is a real L'Oréalista and very connected with her community, it gives us very useful insights," Yann Joffredo, vice president of global cosmetics at L'Oreal Paris, told Women's Wear Daily recently.

Recently, she was named one of Forbes' 30 Under 30 in the art and style category.

And Women's Wear Daily highlighted how fashion bloggers can make millions of dollars — between $1 million and $3 million annually. Although L'Oreal would not reveal how much it is paying Bazan to Women's Wear Daily, it's clear she's living the fabulous and luxurious life of a fashion and retail star.

SEE ALSO: This gorgeous 18-year-old is driving sales at Brandy Melville, the obscure brand taking over teen retail

Bazan has a blog called Kayture, where she writes about beauty, fashion, lifestyle, and traveling.

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She went backstage at the Victoria's Secret Fashion Show.

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She became a L'Oreal ambassador in the fall, a huge step for a blogger.

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25 jobs that might not be around in the future

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usps post office postal service

Thanks in part to advances like email, Facebook, and Twitter, mail carriers may be all but obsolete in the not-so-distant future.

By 2024, the US Bureau of Labor Statistics projects a 28% decline in postal-service jobs, totaling around 136,000 fewer positions than 2014.

Mail carriers aren't the only ones whose jobs are disappearing. Technology and market shifts have affected a wide range of fields.

Based on the BLS's occupational outlook data, here are 25 jobs that could be on their way out of the US:

SEE ALSO: The 21 best jobs of the future

DON'T MISS: The 27 jobs that are most damaging to your health

25. Textile winding, twisting, and drawing out machine setters, operators, and tenders

According to the BLS, they set up, operate, or tend machines that wind or twist textiles; or draw out and combine sliver, such as wool, hemp, or synthetic fibers. 

Median annual pay:$26,680

Number of people who held this job in the US in 2014: 26,000

Predicted number of people who will hold this job in 2024: 20,300

Projected decline: 21.7%



24. Grinding, lapping, polishing, and buffing machine tool setters, operators, and tenders (metal and plastic)

According to the BLS, they set up, operate, or tend grinding and related tools that remove excess material or burrs from surfaces, sharpen edges or corners, or buff, hone, or polish metal or plastic work pieces.

Median annual pay:$34,150

Number of people who held this job in the US in 2014: 71,400

Predicted number of people who will hold this job in 2024: 55,800

Projected decline: 21.9%



23. Patternmakers (metal and plastic)

According to the BLS, they lay out, machine, fit, and assemble castings and parts to metal or plastic foundry patterns, core boxes, or match plates.

Median annual pay:$41,670

Number of people who held this job in the US in 2014: 3,800

Predicted number of people who will hold this job in 2024: 2,900

Projected decline: 23.4%



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Epically awesome pictures of Saturn

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Saturn

Saturn flaunts the most majestic planetary rings in the solar system, but those are not the only things that make this beautiful gas giant unique. It's also the farthest planet from Earth that we can see with the naked eye.

From 746 million miles away, however, we can't observe Saturn like NASA's Cassini spacecraft, which has been orbiting the ringed planet since 2004.

While some of Cassini's photos portray Saturn as a tranquil giant floating in space, others reveal the dynamic, stormy nature of its windy atmosphere. 

Here's a collection of some of the most incredible images Cassini has captured so far. You can learn more about each image by clicking the link provided in each photo's caption in the lower right.

LEARN MORE: The 2 most dangerous numbers in the universe are threatening the end of physics

SEE ALSO: I drove the 6,600-lb 'car' that NASA designed for astronauts on Mars, and I'll never see space exploration the same way again

The sun is located directly behind Saturn in this image taken from 1.3 million miles away. The light from the sun passes through Saturn's rings, revealing the never-before-seen E ring, which is the faint, outer-most ring below.



Shown here is a beautifully detailed look at Saturn's four inner rings. The closest to the planet is the D ring, and extending outward from there are the C, B, and A rings. Each ring is separated by a thin, empty gap.



This image highlights Saturn's North Pole, which displays a six-sided hurricane that's 60 miles deep and a whopping 1,250 miles across.




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I saw where the F-35 gets one of its most classified features, and it's fascinating

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f35 final finishes

"This room is the most advanced painting facility in the world," retired US Air Force pilot and F-35 simulation instructor Rick Royer told me as we toured Lockheed Martin's highly secure plane facility in Fort Worth, Texas.

The Aircraft Final Finishes bay is where America's most expensive weapons system gets coated with a highly classified stealth technology, which makes it invisible to radar.

After the jet is assembled and before it can take flight, three laser-guided robots apply the Radar-Absorbing Material (RAM) to each of Lockheed Martin's F-35 Lightning II variant aircraft.

Here's all we know — and can share — about how the F-35 gets its invisibility cloak:

SEE ALSO: There's nothing else like America's most expensive war machine ever

First, each F-35 variant is assembled in Lockheed Martin's mile-long production facility.



Once an F-35 is ready to leave the production line, it is carefully rolled ...



... into the windowless, multistory, 226,000-square-foot Aircraft Final Finishes (AFF) complex.



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Here's the real story behind Martin Luther King Jr.'s greatest moment

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King's I Have A Dream March on Washington

"I have a dream ... " We all know the words that start the famous speech.

But Martin Luther King Jr.'s crowning moment may never have happened without one of the largest protests ever — the March on Washington on August 28, 1963.

After growing backlash against blacks in the South, King and five others planned the event, a peaceful demonstration to end segregation and promote equal rights.

King crafted his famous speech specifically for the 250,000 people who would gather in the nation's capital that day.

In 1963, Birmingham, Alabama had become the epicenter of racist violence in America. A KKK member bombed a Baptist church, killing four young girls in September. Denise McNair, 11; Carole Robertson, 14; Addie Mae Collins, 14; and Cynthia Wesley, 14; from left, died in the fire.

Source: Associated Press



As a result, Martin Luther King, Jr. turned his focus to the area, organizing many anti-segregation demonstrations there. Police arrested King and his fellow civil rights proponent, Rev. Ralph Abernathy, on April 12, 1963 during a demonstration.

Source: Associated Press



The situation in the South continued to worsen. Below, firefighters in Birmingham turn a high-powered hose on peaceful demonstrators. Bayard Rustin, the march's head organizer, said that credit for mobilizing the march could go to "Bull Connor [Commissioner of Public Safety in Birmingham], his police dogs, and his fire hoses."

Source: Congress of Racial Equality

 



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