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Ice Cube's rise from gangsta rapper to millionaire Hollywood mogul

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From the start of notorious gangsta rap group N.W.A to founding his own production studio, O'Shea Jackson has risen through the ranks of music and Hollywood with a prolific, freewheeling career.

The 46-year-old actor, rapper, and producer, known as Ice Cube, penned many of the controversial, political raps N.W.A was known for. Songs such as "F--- the Police" earned the watchful eye of the FBI, but the group only became more popular.

But after royalty disputes, Ice Cube left and started his own successful music career.

He made his film debut in "Boyz N the Hood," which launched him to an acting career that has included horror films, comedies, and even family films. 

Last year, he produced critically-acclaimed "Straight Outta Compton," a biopic about N.W.A that's nominated for an Oscar.

As of last year, Ice Cube is estimated to be worth $140 million. His newest film, "Ride Along 2," came out Friday.

Here's a look at Ice Cube's Hollywood rise: 

SEE ALSO: How the 'Billions' creators shadowed hedge funds and attorneys to make the most anticipated show of 2016

O'Shea Jackson was born June 15, 1969, in South Central Los Angeles to Hosea and Doris Jackson. He has an older brother and a half-sister who was killed when he was 12.

Source: The Huffington Post



He got the nickname Ice Cube after trying to hit on his older brother's girlfriends. He told Entertainment Weekly that he would stay on the phone with them when they called to talk to his brother.

"And my brother kept saying, 'You're trying to be too cool. Stop trying to be so cool all the time. You ain't no damn ice cube.' And I was like, 'Yes I am.' And that's how I got my name," he said.

Source: Entertainment Weekly



He first started rapping when he was 14 years old after a classmate challenged him to write a rap and was immediately immersed in the rap/hip-hop culture.

Source: Entertainment Weekly



See the rest of the story at Business Insider

The college where students go on to earn the most money in every state

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Dartmouth campus

Salary potential isn't the only factor to consider when narrowing down potential colleges — but with college tuition continually on the rise, it's nice to know which schools are paying off in the long run.

In a recent report, the Georgetown University Center on Education and the Workforce looked at the four-year colleges whose students go on to earn the highest salaries after graduating. The report used the US Department of Education's College Scorecard to highlight the median earnings of students from over 1,400 colleges 10 years after starting their studies.

Here, we've highlighted the single school from each state where students go on to earn the most, as well as how much students pay annually between tuition, required fees, room, and board, from CollegeBoard. For public colleges, we've listed annual costs for both in and out-of-state students.

Read on to see which school claimed the top spot in your state:

SEE ALSO: The 50 colleges where students earn the highest salaries

Alabama: University of Alabama in Huntsville

Huntsville, Alabama

Annual cost (in-state): $18,333

Annual cost (out-of-state): $29,827

Median earnings 10 years after enrolling: $46,600

 



Alaska: Alaska Pacific University

Anchorage, Alaska

Annual cost: $26,680

Median earnings 10 years after enrolling: $47,400

 



Arizona: Embry-Riddle Aeronautical University: Prescott Campus

Prescott, Arizona

Annual cost: $43,134

Median earnings 10 years after enrolling: $60,900



See the rest of the story at Business Insider

3 types of employees you should fire immediately

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As a business owner, your time is limited; you hired a team of capable professionals because there's no way you can do it all.

Even if your organization runs like a well-oiled machine, there's usually at least one team member who causes you more stress than the others.

You may not even realize it, but these "time-suckers" hurt your business by drawing your attention away from the tasks you need to do each day.

While many types of productivity-zappers exist in an office environment, none are as disruptive as those who directly affect strategic decision-makers.

These three types of people should be removed from your staff as soon as possible.

SEE ALSO: The 17 Fastest Ways To Get Ahead In Your Career

1. The Drama Queen

If your office doesn't have a drama queen, consider yourself lucky. Found in almost every group of people, these individuals live life as though it's a reality show. They enjoy stirring things up, then sitting back to watch the fireworks.

You'll likely find yourself frequently breaking up arguments between employees, only to find the resident drama queen at the heart of it. Whether it's exposing what someone said about someone else or accusing someone of neglecting his work, these individuals will constantly require your attention as referee.

Unfortunately, drama queens do more than simply waste worker productivity. Their behind-the-scenes conversations are often negative in tone, and the attitude can be contagious.

This is especially true if the drama queen directs attention to the company's leadership, causing a general distaste for management that leads to greater problems within the organization.

Managing drama queens can be a delicate situation, because much of what they do is social. Some businesses have implemented no-gossip policies, but these policies are usually impossible to legally enforce.

They can also lead employees to feel that their personal conversations are being monitored and judged. Instead, employers should document the behaviors that have led to incidents in the office and address them directly with the individual.



2. The Victim

One of the toughest challenges of managing people is knowing how to handle the ones who like to play the victim. These people avoid accountability for their own actions, preferring to blame others for bad situations.

They'll always have an excuse, and their constant complaints aren't missed by their coworkers, who can even begin to develop their own victim mentality as a result of seeing others do it.

Even stickier is the employee who seems to always have some ailment. While every employer wants his staff to be as healthy as possible, there are occasionally people who take advantage of the employer's generosity by claiming an array of medical conditions that, over time, turn out to be unfounded.

Too often, the employer is left not knowing for certain if the person is truly ill or is simply trying to take advantage of the system.

The overriding issue in the workplace is how the person's actions are affecting the business as a whole. One person's chronic absences and refusal to participate will eventually be noticed by other employees, who are likely to feel resentful about having to cover.

To avoid issues, have a set policy in place regarding absenteeism, making it clear that after a certain number of days within a cycle, a doctor's notice will be required. When an assignment affects a vast majority of the staff, make it clear that everyone is required to participate.

Keep careful documentation of each incident and, if issues persist, have a talk with the employee about his or her issues. Make it clear that if the person continues to miss work or decline to participate in work assignments, action will be taken that may include termination.

It's important to review the Americans with Disabilities Act (ADA), because you'll be required to provide accommodations if the condition falls into an area that would be classified as a "major impairment."



3. The Nonconformist

These rebels without a cause are determined to break the rules, from the simplest to the most complex. If you have a dress code that prohibits T-shirts with slogans, this person will wear one every Friday.

If you have a set procedure for how tasks should be completed, they'll go off script every time. While some businesses are less restrictive than others, every business usually finds it must enact some rules to avoid problems and remain productive. These employees seem to see "rules" as "control" and want to battle you each step of the way.

Instead of engaging in a power struggle with these renegades, determine if there are ways you can work with rebels rather than against them. Often a rebel is nothing more than an independent thinker who wants to make a difference in the world, rather than just following along with what others tell them. If you can put these qualities to work for your organization, you may find you have an employee who can help your organization grow.

Sometimes, however, the rebel mentality comes from someone who takes it a step further and tries to take over. This person tends to come across as a know-it-all, refusing to listen to instruction and instead choosing to do things his or her own way.

Worst of all, this type of person may have appoint him- or herself as a leader within the organization, ordering other employees around. If given enough time, this type of toxic behavior could drive some of your best employees away.

Whether an employee's independent attitude is a benefit to your organization or not, it can definitely take a toll on employee morale. As others see that someone is violating company policies, they may begin to wonder why they have to follow the rules when everyone else doesn't.

For that reason, you'll have to enforce your company policies in a uniform manner, whether it's corporate dress code, office hours and attendance, meeting project deadlines, or some other clearly outlined rule.



See the rest of the story at Business Insider

The only 6 things you need to bring to a job interview

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Job interviews are stressful because so many factors are out of your control — like what the hiring manager will ask or whether your personality matches what they're looking for. But there is one thing you can control that can make all the difference: how prepared you are.

Career experts and hiring managers say to be (and appear) fully prepared, you really only need to bring six things with you to the interview.

Here are the essentials they say you should show up with:

 

SEE ALSO: The perfect time to show up for a job interview

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

1. Directions

Don't risk a technology malfunction by relying solely on your smartphone for directions. 

Whether you're taking a car, train, subway, or bus, go ahead and print out a set of directions as a backup, writes Liz Ryan, CEO of Human Workplace, on Forbes.com

In addition, Ryan suggests doing a test run of your directions the day before or a few days before so you know how much time to set aside for your commute. 



2. Copies of your résumé

Despite the transition from the traditional paper résumé to more dynamic social media templates, such as LinkedIn, many hiring managers still expect candidates to arrive with a few hard copies.

Amanda Augustine, a career advice expert and spokesperson for TopResume and a career consultant for Amanda Augustine LLC, says if you happen to know the exact number of people you'll be meeting with, bring at least one copy for each of them, plus a few extra to be safe. "You'll need one for you to reference while you talk, and one copy for each interviewer, just in case they aren’t prepared," she says. 



3. Pen and notepad

A number of career experts and hiring managers we reached out to emphasized the importance of bringing a pen and paper.

Jotting down a few notes during the interview can come in handy as you write your post-interview thank you note later that day. (But remember to listen closely to the hiring manager, and don't get distracted by your note-taking!)

Also, if you're interviewing for a consulting, finance, or engineering position, you will likely have to answer impossible brainteaser questions. It can be helpful to have a pen and paper as you attempt to work through these questions.



See the rest of the story at Business Insider

7 awe-inspiring train stations across America

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Some train stations do more than chauffeur busy commuters. Their incredible architecture make you want to wander their halls forever.

America's railways started to blossom toward the end of the 19th century. Thanks to endless renovations over the years, many of these stations still reflect that old-school grandeur.

Take a gander through the seven most beautiful stops (past and present) on our railways.

Grand Central Terminal in New York City.

Completed in 1913, the New York City station features elaborate moldings and beautiful marble. When commuters look up, they see a spectacular 25,000-square-foot mural of constellations with gold-leaf stars. At its center, there's the iconic gilded clock. 

When it was built, Grand Central represented innovation in transit hub design, with features like its incorporation of luggage-friendly ramps rather than stairs.



The Cincinnati Union Terminal.

When the Cincinnati Union Terminal was completed in 1933, it was the largest rotunda in the Western Hemisphere. 

The Art Deco-style station features a glass entrance and a fountain out front. Inside, four artists collaborated on massive murals that chronicle stories in American history. The German-American painter Winold Reiss produced 23 glass-tile mosaic panels that live on as impressive displays of public art.



Union Station in Los Angeles.

This glamorous train station almost wasn't built. In 1926, Los Angeles voters had the choice between the construction of a network of elevated railways or a much smaller Union Station.

The election took on a racial tone that reflected prejudice against the wave of Chinese immigrants, since the station would be in the heart of LA's original Chinatown. A majority chose Union Station, however, and it was completed in 1939.

Today, Union Station is the largest train terminal on the West Coast, with nearly 110,000 people passing through it each day. Some of its highlights include mosaic floors and gold chandeliers that hang from wooden beams.

The transit hub plans to finish upgrades by December 2016, including a faster rail, more shops and restaurants, and parking for bikers.



See the rest of the story at Business Insider

The most bizarre B&Bs across America

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treesort

What do you picture when you hear "bed-and-breakfast"? Cozy sitting rooms with fireplaces, garden grounds, four-poster beds, and floral bedspreads, right? Us, too.

The term is defined in the dictionary as "a guest house or small hotel offering sleeping accommodations and a morning meal," so it makes sense that an image of a quintessential New England inn comes to mind.

But we've found five properties across the country that may be true, authentic B&Bs, offering rates inclusive of breakfast and lodging, but couldn't be more different from the picture you'd conjure up of a traditional bed-and-breakfast.

From a California retreat that delivers breakfast via an elephant, to a Key West escape where you can be clothing-free while you're noshing on your free breakfast, here are the five most bizarre, but still awesome, B&Bs in the U.S.

SEE ALSO: 10 Charming American Bed & Breakfasts Around The US

Vision Quest Safari Bed & Breakfast; Salinas, CA

This distinctive, budget-friendly bed-and-breakfast is situated on a ranch that formerly housed wild animals used in the film industry. The eight-room property is in the process of transitioning to a wild-animal habitat, and guests are allowed to view and interact with the animals. A major attraction is the continental breakfast delivered to bungalows daily by staff — and an elephant. Guests should be aware that the bungalows are basically tents with wood floors, but they're clean and have TVs, DVD players, showers, mini-fridges, and coffeemakers. Decor is animal-themed and kitschy.



Out 'n' About Treehouse Treesort; Cave Junction, OR

As the name suggests, the three-pearl Out 'n' About Treehouse Treesort is a forested playground comprised of 15 tree houses in a beautiful wooded area of southern Oregon. The tree houses range in size, sleeping from two to four people, and all are rustic and simply furnished. Some have their own kitchenettes and en-suite bathrooms. There's also an on-site zip-line course, and other features include a common kitchen where guests can prepare basic meals, a fire pit area, and a cozy lodge where the free breakfast is served every morning. 



Alexander's Guesthouse, Key West

In many ways, Alexander's Guesthouse is your typical B&B stay. It’s a quaint, historic property with a living room-style lobby, a small pool area, free breakfast served daily, bike rentals available, and 17 attractive rooms. But this LGBT-friendly inn doesn't have that formal, reserved vibe that many associate with a classic bed-and-breakfast; instead, Alexander's encourages guests to let loose (with a free happy hour) and let it all hang out (at the two clothing-optional sundecks).



See the rest of the story at Business Insider

How a 20-year-old NYU student paid his $48,000 tuition bill in a year

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eric hu

New York University is notoriously expensive.

Its tuition and fees are among the highest in the US, at about $48,000 a year. On top of that, the cost of living in New York City makes room and board pretty pricey: $17,580. After factoring in books, transportation, and personal expenses, students can expect to pay $70,974 a year, the university predicts.

That could be a recipe for a student-loan horror story.

But not for one NYU sophomore: Long Island native Eric Hu is paying his tuition bill as he goes.

"My parents pay for living costs, and I pay off the tuition part," he tells Business Insider. After working several jobs his freshman year, he says, he was able to pay off the entire year's tuition by the beginning of his sophomore year — and he's on track to do the same for the 2015-2016 school year.

We spoke with the 20-year-old media culture and communications major about how he managed to cover a $48,280 bill while living in one of the most expensive cities in the world. Here's how he did it:

SEE ALSO: How one couple earned 7 degrees without taking out student loans — and still saved enough to stop working for 5 years

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He took advantage of scholarships.

Hu received three scholarships: a $1,000-a-year merit scholarship from NYU's Steinhardt School, a $10,000 Brookhaven Science Associates scholarship, and a $2,500 Cold Spring Harbor Laboratory scholarship. He directed the full BSA and Cold Spring scholarships toward freshman tuition, meaning his award totaled $13,500 for the year.

He also received $6,000 worth of financial aid his freshman year.

Pictured is one of Hu's shots of Washington Square Park, close to NYU's campus.



He found ways to earn money.

While the scholarship money helped, Hu still owed $28,780 for the year. 

He started looking for work-study job opportunities available through NYU the summer before his freshman year. "It was a win-win," he says. "I'd be able to gain experience in the field, and not only help my parents by paying for tuition, but help myself in the future by not getting strapped down by student debt."

Finding an on-campus job was not as simple as he expected it to be: "I applied for three work-study jobs and got shot down by all three. That's when I decided I needed to take a different route and look outside of NYU administration."

Using the New York City-based startup WayUp, which helps place college students and recent graduates in jobs and internships, Hu started finding job opportunities with a variety of companies. His freshman year, he held four positions— including as an intern in social media and customer relations at Magisto and as a sales account manager at Fresh Prints— and worked 20 to 40 hours a week, depending on need.

His freshman-year schedule "was pretty insane," he acknowledges, but NYU's flexible class structure helped curb the insanity. "Most of my classes were rehearsals or studios, so that meant flexible hours that are concentrated on a few days, rather than having multiple classes spread out each day like in a conventional schedule." As for his grades, "I'm never truly satisfied," he says. "I think I definitely did the best of my ability considering the amount of time I devoted towards athletics, music, and work."



He pieced together different jobs to earn enough.

Between the four jobs he found through WayUp, Hu earned about $26,000 his freshman year. He earned another $6,000 with a work-study opportunity he was eventually allotted — and another $2,000 doing freelance photography. "A lot of students, small companies, hackathons, and events need photographers," Hu says. "Most of my commissioned shoots have been results of referrals by friends and followers on Instagram."

Eighty percent of that $34,000 went toward tuition ($27,200), and he earned the remaining $1,580 needed to fully pay off his tuition bill at the start of his sophomore year.

As a sophomore, he's working significantly less — 15 to 30 hours a week — but earning more. "The jobs I've been working this year have been higher-level jobs," he says. "Naturally, it pays more per hour and requires more analytical skills, rather than 'grind work.' Fewer hours, but more pay — hopefully this is a trend I can keep up."



See the rest of the story at Business Insider

The 10 best iPhone apps you should use in 2016

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iPhone apps and headphones

There's no shortage of great apps out there, but we've gathered 10 of the most interesting, useful iPhone apps you may not have used yet.

Here are the apps you should start using in 2016:

Google Photos is the best app for managing and backing up your photos in the cloud.

Google Photos is an overall better solution to Apple's built-in iCloud Photo Library for backing up and managing your iPhone's photo collection. You get free unlimited storage with optional paid plans for storing ultra hi-res images.

The app has fancy image recognition that lets you search for things like dogs, food, or a particular mountain range and find relevant photos. You can share albums with others and create fun GIFs too.

A recent update to the iPhone app added collaborative albums and the ability to scan your photo library and delete photos off your camera roll that are already backup up in the cloud.

Get it from the App Store.



Foursquare will help you find new places to eat and give you expert tips on what to order.

Foursquare is your best friend when you're trying to find a place to eat or grab a drink. Thanks to the company's Pilgrim technology, the app knows where you are and can deliver expert "tips" about what to order from its 50 million users.

Get it from the App Store.



Download VSCO to upgrade your photo editing skills.

If you want to make your photos look better, one of VSCO's dozens of retro film filters should do the trick. The app offers more extensive editing capabilities than Instagram, and each filter preset is designed to emulate the effect of an old-school film camera.

VSCO offers free cloud syncing and uploads to a personalized VSCO Grid account, which is essentially a hi-res, ultra minimalist version of Instagram that has less of a focus on social networking and more of a focus on sharing pretty pictures.

Get it from the App Store.



See the rest of the story at Business Insider

15 incredible things Amazon Echo can do (AMZN)

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Amazon Echo

I activated my Amazon Echo for the first time in December. It's quickly become one of my favorite tech gadgets.

Many people quickly compare Echo to other virtual assistants like Siri and Google Now. But Amazon's speaker, which responds to either "Alexa" or "Amazon," is quicker to respond to questions and understands my voice much better than those rival services.

And thanks to its excellent audio system, with seven different microphones for listening and a 360º omni-directional audio grille for speaking, Amazon Echo works exceedingly well wherever I am in my home.

In many ways, it's transformed the way I live in my apartment. And there's a ton you can do with your Echo.

"Alexa, play some Kanye."

Amazon Echo can play thousands of songs from the Prime Music catalogue. It's also way easier and less consuming to pause and skip songs compared to other virtual assistants that control music playback.



"Alexa, add garlic to the shopping list."

Whenever I run out of food in the apartment, I just tell Alexa to add items to the shopping list. And since Amazon's Alexa app is connected to my Amazon Prime account, which is used by both me and my significant other, our shopping list will show up in both Alexa apps on our respective phones and sync accordingly. That way, we can order items straight from Amazon, buy them at a later time, or make any last-minute changes. 



"Alexa, what time is it?"

Don't bother searching for your phone or a wall clock just to get the time. With Echo, I can ask the time from anywhere in my apartment and I'll get the answer immediately.



See the rest of the story at Business Insider

9 networking tips to get the most out of the World Economic Forum

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As you're gearing up to rub elbows with global leaders at the World Economic Forum this week, knowing how to start an engaging conversation is a must.

But it's not always easy. What if you and your conversation partner seem to have nothing in common? What if there's an awkward pause? What if you accidentally insult the person?

To help you out, we reviewed the Quora thread "How can I get better at small talk?" and highlighted some of the most helpful responses.

Read on to impress new acquaintances with your masterful conversation skills.

SEE ALSO: 9 ways to skip the shallow small talk and have deep conversations

1. Demonstrate interest in your conversation partner.

Several Quora users noted that the best way to keep a conversation rolling is to show you care about what the other person has to say.

"If you don't fundamentally care about the person you are speaking with, that will show, and that may be the primary reason why you are running out of things to discuss," writes Kai Peter Chang.

That also means letting your conversation partner share information about himself or herself.

"Let the other person speak more,"writes Anam Gulraiz. "People LOVE talking about themselves."



2. Ask open-ended questions.

Instead of asking yes/no questions that lead to dead ends, encourage your conversation partner to share some more detail about his or her life.

"In general, open-ended questions lead to more conversational paths,"says Craig Welland.

For example, instead of asking a fellow party guest, "Are you here with your family?" you might ask, "How did you meet the host?"



3. Allow your conversation partner to teach you.

"If there's a subject you're not familiar with, just be honest with that person and nine out of ten times they'll teach you about it,"writes Michael Wong.

It goes back to that central idea of letting other people do most of the talking. Asking the other person to explain what they mean means they'll be talking for at least another few minutes.



See the rest of the story at Business Insider

This model who couldn't get an internship in fashion is now becoming an icon for an industry most retailers ignore

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Gabi Gregg is known to her fanbase as GabiFresh.

The blogger has been collaborating with swimwear line Swimsuits For All. Her line is called GabiFresh for Swim Sexy.

Her most recently launched collection has been hailed as one of the most size-inclusive collections. Fans say it contains the sort of styles one might see in a regular swimwear collection.

One major criticism of plus-size fashion (and models) is that there's a small representation of plus size bodies. That's exactly what Gregg aims to do.

"There’s not just one type of body that’s plus," Gregg said to PeopleStyle.

SEE ALSO: Meet the supermodel who is changing how the retail industry treats plus size women

Gabi Gregg has grown up to be on of the plus size industry's It Girls.

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Gregg started her style blog after she graduated school in 2008— she loved fashion and journalism, but according to her website, she had zero experience in either field and couldn't even get an internship.

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 Source: GabiFresh



She became MTV's first "TJ"— or "Twitter Jockey" after winning a contest in 2010. According to Mashable, it was a $100,000-a-year gig.

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 Source: Mashable



See the rest of the story at Business Insider

7 steps to take today if you want to buy a home this year

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Buying a home and obtaining a mortgage are no easy tasks. You need to have your finances in good order if you hope to get approved for a loan to buy a home.

If you want to buy a house in 2016, here are several New Year’s resolutions to follow through on that can help make you a better homebuyer.

See: The No. 1 New Year’s Resolution in Every State

SEE ALSO: 9 hidden costs that come with buying a home

Create and stick to a budget.

The new year is a great time to rework your budget to make room for the extra costs that come with homeownership. “Once you move, the budget will certainly change — especially if you are moving from a rental to a home,” said Andrew Gipner, a certified financial planner with Longview Financial Advisors in Huntsville, Ala.

Some of the costs to plan for include home maintenance costs and “the potential increase in variable expenses, such as electricity and water, [and] additional expenses of property tax, insurance, private mortgage insurance … and maybe even homeowners association fees,” said Gipner. After you’ve accounted for extra expenses, you’ll have a clearer picture of how buying a home could affect your day-to-day finances.

Once you have a budget, you should take it for a test drive, suggested Katie Wethman, a certified public accountant and realtor in the Washington, D.C., area. “Stick to your projected budget in advance,” she said. “Start following your new budget as soon as possible, and put any extra savings into a separate account.”

As you follow your new budget, make any necessary adjustments to your spending habits and reconsider your expectations for the kind of home you want to buy. “Then, you’ll be used to living within your means, and you’ll have a nice balance in your savings account to get you started,” Wethman added.



Pad your homebuying fund.

Ideally you’ve already started setting money aside to purchase a home, if that’s a move you plan to make in 2016. However, it never hurts to further add to the funds you’ve stored to cover the costs of the purchase itself, from the down payment to closing costs and loan origination fees. If your homebuying savings are lacking, adding more to this fund is a good goal to set for the new year.

How much you’ll need to have saved depends on where you live. A 20 percent down payment is a standard recommended amount to get a standard mortgage and avoid private mortgage insurance costs.

You can still get a mortgage with much less down — as little as 3.5 percent — if you take advantage of a down payment assistance program, said Joshua Jarvis, a realtor and CEO of Jarvis Team Realty in Georgia. But even these programs have other costs associated with them. “There’s some out-of-pocket expenses, such as inspection, appraisal and potentially others, depending on the state,” Jarvis said.



Save an emergency fund.

In addition to a down payment and homebuying fund, homebuyers should also have a separate emergency fund saved. Having an emergency fund is always a good idea, but it becomes even more important when you’re a homeowner.

“Make sure that an emergency fund is fully funded in the event something goes wrong in the new house,” Gipner said. As you take on the liability of owning a home, you’re opening yourself up to getting hit by more frequent and more expensive emergency costs.

For example, Gipner said one of his friends had to replace their water heater the day they moved into a new home. “With an adequate emergency fund — which should be between three to six months of your fixed and variable expenses — the replacement of things like your water heater can be [planned] for,” Gipner said.

There’s also an added bonus of having a nice emergency fund set aside: It makes you a more attractive borrower to lenders. If you have savings of three or more months’ worth of mortgage payments saved up, this will show that you won’t be broke after closing on a home. A lender might be more willing to approve you or give you better terms if you show you have savings on hand to cover emergencies like a loss of income.

Read: 8 Ways to Bounce Back From a Financial Setback



See the rest of the story at Business Insider

9 wildly imaginative cars from the 2016 Tokyo Auto Salon

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The Tokyo Auto Salon, one of the largest custom car and car-related product shows, showcased some wildly imaginative cars over the weekend.

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Those who went saw a mix of innovative (perhaps impractical) car design aesthetics as well as the latest luxury concept cars.

Here are 9 must-sees from the Tokyo Auto Salon:

Subaru showed of its STI Performance concept, which the automaker first unveiled at the New York International Auto Show in April 2015.

The car features the racing engine developed by STI for the BRZ Super GT racecar.



Mercedes displayed its $130,000 luxury car.

Called the Mercedes-AMG GT S, the car can go from 0 to 60 in just 3.7 seconds.



Toyota also put their S-FR racing concept on display.

We have yet to get any specs on the race car, but it features wide flared fenders and hood vents.



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We tested out the new free WiFi hotspots in New York City that used to be old payphones

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LinkNYC wifiLinkNYC, the program that plans to convert old New York City payphones into Wi-Fi hotspots with handy USB charging ports, made its official debut today.

The so-called "Links" will eventually be available at 7,500 old payphones, but the retrofitted terminals are initially rolling out in beta testing across a few city blocks in Manhattan. We decided to give the Wi-Fi capabilities a test drive to see if connecting to these links in the future would be worth it. 

Here is what it was like: 

 

Although Links are supposed to be available on all street corners between 13th and 19th street, this was the stand-in on the 19th street corner. Undeterred, we kept looking.



The corner of 17th and 3rd Avenue was more fruitful. Here's what an actual Link looks like. The Link is around 8ft tall, with two large screens on either side of it. In the upper corner is a "beta" sign.



The mini-vestibule in the middle of the Link is meant to replace old payphones. USB ports are also available for charging up your devices. A 911 button is also present, which may become very useful once all 7,500 Links are fully operational.



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THEN & NOW: What the stars of 'The 40-Year-Old Virgin' are up to 10 years later

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40 year old virgin steve carrell

"The 40-Year-Old Virgin" almost didn't happen, but it was a good thing it did, because it helped launch the careers of Hollywood A-listers like Paul Rudd, Seth Rogen, and Steve Carell.

In a recent interview with Conan O'Brien, Carell revealed that the film he helped cowrite with Judd Apatow was almost sacked because Universal felt that Carell looked like a "serial killer" in early footage.

"We hadn't shot any dialogue," he said. "It was me riding my bike with a weird helmet, and it was me walking down the street and seeing suggestive posters and going eghh. And just that week compiled, they went, 'No, no, no, this is not a comedy.'"

But the shooting continued and Apatow's feature directorial debut became a comedic success, leading to "Knocked Up" and more.

Here's what the cast and filmmakers have been up to in the last decade, since "The 40-Year-Old Virgin" came out in 2005:

SEE ALSO: 11 must-see movies completely rejected by the Oscars

Steve Carell had appeared in a few comedies ("Bruce Almighty" and "Anchorman") before landing the lead role of the 40-year-old virgin, Andy, in Judd Apatow's directorial debut.



The film helped launch Carell to an award-winning career in comedic and dramatic roles. He played Michael Scott on "The Office" for seven seasons, a role that earned him six Golden Globe nominations (one win) and nine Emmy noms. He also earned an Oscar and a Golden Globe nom for his portrayal of convicted murderer John du Pont in "Foxcatcher" (2014). He can most recently be seen in "The Big Short," for which he earned another Golden Globe nom.



Before Paul Rudd played coworker and friend to Andy, he was best known as Cher's ex-stepbrother in "Clueless."



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8 jobs every company will be hiring for by 2020

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virtual reality ff

The labor market is changing faster than you might realize.

Demographic changes and technological advancements may lead to the net loss of 5 million jobs by 2020, according to a report published Monday by the World Economic Forum. In total, the report estimates that a total of 7.1 million jobs could be lost, the majority of which will be white-collar office and administrative jobs.

The report, called “The Future of Jobs,” surveyed 350 executives from companies across nine industries in 15 of the world’s largest economies to come up with its predictions about how the labor markets will evolve.

While the job landscape is expected to undergo radical changes over the next few years, the report predicts that there will also be certain occupations that are more in demand. 

Here’s a look at some of the job categories that are expected to see growth.

Data analysts will be in demand.

According to the report, data analysts will become increasingly more important in all industries by 2020. 

Survey respondents said they expect to have a greater demand for data analysts because they will need help making sense of all of the data generated by technological disruptions. 



In fact, computer and mathematical jobs as a whole will also continue to get a boost.

Jobs that fall under the computer and mathematical occupations will grow. 

These occupations include computer programmers, software developers, information security analysts, and more. 



Architects and engineering jobs will remain stable.

During the next four years, the demand for those skilled in architecture and engineering will continue to increase.  

Specifically, the report states there will be growth for engineers focused on biochemicals, nanotechnology, robotics, and materials. 

By 2020, 2 million jobs will be created worldwide that fall under computer and mathematical and architecture and engineering related fields, according to the report. 

 



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Meet the power players at Alphabet, the new parent company of Google

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Google campus

Last fall, we said goodbye to "Google" as we used to know it when it blew up its corporate structure to launch a new parent company called Alphabet. 

Alphabet gives more autonomy to a new set of CEOs. 

Here's a quick recap of all of Alphabet's subsidiary companies and who is leading each one:

SEE ALSO: Google's first 21 employees: Where are they now?

Even though Larry Page isn't the CEO of Google anymore, he's still the one running the show as the CEO of Alphabet.

His cofounder Sergey Brin is Alphabet's president, and former CEO and Google chairman Eric Schmidt is now Alphabet's chairman. 



Sundar Pichai got bumped to be CEO of Google.

While Page gets to spend most of his time on the moonshots and big picture goals, Pichai now has authority over the company's cash cow ads business as CEO of Google proper.  

YouTube also still falls under Pichai's domain (though the video platform also has its own CEO: Susan Wojcicki), as do products like Maps and Android. 

Pichai is a long-time Google vet, having started at the company way back in 2004. 



Tony Fadell, CEO of Nest, focuses on making intelligent (and elegant) hardware for your home.

Fadell runs the smart-home company that Google bought for $3.2 billion in 2014.

So far, Nest has three main products: a smart thermostat, a smart smoke detector, and a smart home-security camera that it launched after its $555 million acquisition of Dropcam

Before running Nest, Fadell worked at Apple for seven years, where he was most well-known as being the "Father of the iPod." 

On the side, Fadell also oversees Google Glass.



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Take a tour of Jordan Spieth's new $7.1 million Dallas mansion

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Jordan Spieth

Jordan Spieth is doing well for himself.

The 22-year-old golfer, currently ranked No. 1 in the world, opened his 2016 season with a dominant win at the Hyundai Classic. In 2015, he made a whopping $53 million. Last April, he bought a $2.3 million home in the affluent Preston neighborhood of Dallas.

Now, he's added a second Preston mansion to his collection — this one for $7.1 million.

According to The Dallas Morning News, Spieth purchased the five-bedroom, six-full- and two-half-bathroom house from fellow Under Armour PGA golfer Hunter Mahan, who originally listed the house for $9.5 million in 2014.

Take a tour of Spieth's new house:

The 16,655-square-foot mansion — with a guest house — sits in an exclusive gated community in Dallas, the Creeks at Preston Hollow, which also has unique access to two separate private-jet ports nearby.



The study was home to many of Mahan's trophies and golf bags. Something tells us Spieth shouldn't have a problem filling it with a few of his own.



This sitting area is one of several on the property.



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20 of the coolest hip-hop inspired Marvel covers

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The legends of the hip-hop world recently met the legends of the comic industry in an incredible crossover campaign.

Starting last October, Marvel began rolling out dozens of variant comic book covers modeled after the album covers of legendary hip-hop artists like Nas, Jay-Z, Dr. Dre, Eminem and any more.  

We spoke with Marvel Comics editor-in-chief Axel Alonso about the campaign, the connection between hip-hop and comics, and got an exclusive first look at two never-before-seen covers. 

Keep reading to see some of the coolest covers we've seen from the collaboration.

In July, Marvel announced a new line of hip-hop inspired variant covers for a bunch of its new #1 issues,



So far, Marvel has released more than 70 covers, with even more planned up until February.



"We wanted to represent hip-hop in all its glory across the decades: Old School, New School, West Coast, East Coast, Dirty South, Gangsta, Trap Lord – you name it," Marvel Comics editor-in-chief Axel Alonso told Tech Insider.



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9 new images of Jared Leto's Joker in 'Suicide Squad'

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joker suicide squad

Warner Bros. just dropped a new official trailer for its villain-centric movie, "Suicide Squad," and it shows off a lot of the new Joker.

Jared Leto will be the first actor to play the Clown Prince of Crime since Heath Ledger's Oscar-winning performance in 2008's "The Dark Knight."

Covered in tattoos, flashy clothes, and equipped with a fancy Lamborghini Leto's Joker will be a lot different from any previous version we've seen before.

Keep reading to see a few new images of Leto's Joker.

Unlike previous versions of the Joker, Jared Leto's version of Batman's iconic foe will be covered from head to toe in tattoos.



Leto spent a lot of time getting into character by detaching himself from others and pranking his cast mates.



According to "Suicide Squad" actor Adam Beach, Leto sent a dead rat to Margot Robbie, who plays the Joker's one-time girlfriend Harley Quinn, and bullets to Will Smith (Deadshot).

Source: E Online



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