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In celebration of Pancake Day, here are the 10 most deliciously extravagant pancakes in Britain

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pancake day

Life’s considerations must include a balanced diet, ensuring not every dish you make contains 100g of sugar, and not fusing chicken Kievs with burgers in a deluded display of culinary debauchery.

But today is 9 February – also known as Shrove Tuesday, or Pancake Day. Reason, therefore, to do away with sugar worries and buttery fears.

Pancake Day isn’t a time to stifle unctuousness in the kitchen, or implement limitations that, while creative, may detract from the true, original, traditional value of this incredibly special time.

And so let us marvel at a selection of wonderful pancakes. Each one is lovingly made and beautifully fluffy. We hope they inspire you to celebrate properly.

1. Banana, man

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Pancakes and bananas go hand-in-hand. South London brunch spot MUD Tooting has the combination sewn up. Caramelised is the best way – look how pretty the fruit looks all covered in loveliness. 



2. NYC vibes

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American-style pancakes are a favourite for many. Over the pond, it’s all about maple syrup, which seeps down from Canada. The US does berries very well and the blue variety are a classic.



3. Going nuts for the cream

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Lemon curd? Tick. Cream? Tick. Just add the nuts and pomegranates – this is a little bit different, and we think it’s well worth a try. Make sure you toast the almonds to release their oily goodness.



See the rest of the story at Business Insider

How the Canadian-born son of a Cuban refugee became the first Latino to win a presidential caucus or primary

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ted cruz

Sen. Ted Cruz (R-Texas) became the first Latino to win a presidential primary or caucus after winning the Iowa Caucus last Monday. 

The ultra-conservative Cruz, whose mother is American and father is Cuban, was born in Canada — a fact that has led some in his party to question whether he can be president under the Constitution's "natural-born" citizen requirement.

Cruz has also earned a reputation as the "most hated man" in the Senate, with many in his own party publicly airing their disdain for him.

Still, none of that has stopped Cruz from becoming a front-runner in 2016. After winning Iowa, Cruz is in the top three in both New Hampshire's and South Carolina's RealClearPolitics polling averages.

Here's the path Cruz took to becoming a 2016 GOP front-runner — and the first Latino to win a presidential primary or caucus in the process.

SEE ALSO: WHERE ARE THEY NOW: The family of 2008 vice-presidential nominee Sarah Palin

Beginnings

Cruz was born on December 22, 1970 in Calgary, Alberta, Canada. His father, Rafael Cruz, was a Cuban refugee. His mother, Eleanor Wilson, was a natural-born US citizen.

 



Cruz's father left the family when Ted was just a 3-year-old. Later that same year, in 1974, his parents reconciled their differences and moved with Ted to Houston, Texas.



Here's a young Cruz playing the guitar.



See the rest of the story at Business Insider

10 social media rules every job hunter needs to live by

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woman laptop macbook bed smiling

Your social media profiles are often the first port-of-call for an employer wanting to know more about you, so make sure they're up to scratch.

I recently spent two weekends teaching Social Media for Job Hunters at Bellevue College.  It's always a great learning experience for me. Here are some of the major takeaways. Please feel free to add your thoughts or argue with mine in the comments section.

1. Make job hunting your job

Even if you have a job, when you are job hunting, think of it as a job. Spend a fixed amount of time. Outsource things you aren’t good at like proof reading or photography. At minimum get other people to provide feedback on your profiles and headlines, even the phrase you use to describe yourself on Twitter. Those providing feedback are your team. Make finding a job a project with metrics and deliverables. That will keep you in the game, and give you game.



2. Define your brand

You may not like being a brand in order to find work, but if you decide not to be, you will find yourself at a significant disadvantage over those who do. Just saying what you’ve done doesn’t define who you are. The best companies hire the whole person, not just meatware with some specific features and functions.

You need to differentiate yourself from the competition by sharing what is unique about you in an interesting and accessible way. You are not a “welder” your are “a certified welder, great team member and creative problem solver, who delivers quality welds in all positions of grooves and fillets so that structures I help build will last the test of time.”



3. Find your keywords

While you are defining your brand, find the keywords that both make you findable, and in combination, make you different.

Nouns and verbs describe you. Some advisors suggest the world is all about nouns, but it isn’t. You are as much your adjectives as you are your nouns. All of them can be keywords that create a unique statistical finger print of you in cyberspace. Find all the words that uniquely describe you and see how you can form them into cohesive sentences that paint a picture of you. Remember that once you get through the search engine a real person will read what you write and you want to connect with him or her. Too plain the writing and you will look as automated as the tools that indexed your profile. Express yourself. Do use your keywords, but do so in a way that expresses your unique experience and your unique point-of-view.



See the rest of the story at Business Insider

The 10 best US destinations to visit this year, according to Lonely Planet

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American Fresh Beer Garden sommervilleIf you're planning a trip within the US this year, there are some destinations you really shouldn't miss. 

Lonely Planet just released its Best in the US list for 2016, which highlights the cities, regions, and states that are must-see destinations for the year.

The list includes emerging destinations, under-the-radar towns, and places that will boast the year's most exciting events.

From San Antonio, Texas, to Philadelphia, Pennsylvania, here are 10 US destinations to add to your bucket list this year.

SEE ALSO: The 25 most romantic cities in America, according to OpenTable

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

10. MILWAUKEE, WISCONSIN — Nicknamed "Brew City", Milwaukee has one of the highest bar-per-capita rates in the US, as well as noted breweries like Miller, where you can take tours through 150-year-old storage caves. You'll also find incredible food at locations like the Milwaukee Public Market.

Click here to learn more about Milwaukee »



9. SOUTHERN NEW MEXICO — You'll find some of America's most unique landscapes in southern New Mexico. Some of the region's most notable sights include the White Sands National Monument, the Bottomless Lakes State Park, and the Organ Mountains-Desert Peaks National Monument.

Click here to learn more about southern New Mexico »



8. SAN ANTONIO, TEXAS — With renovations that include the expansion of its famed River Walk and additions like The DoSeum children's museum, San Antonio is becoming even more appealing as a travel destination for both families and younger crowds.

Click here to learn more about San Antonio »



See the rest of the story at Business Insider

How to get someone's phone number on a dating app, according to Hinge

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master of none

If you're single, Valentine's Day can be a rough holiday.

But if you waited until the last minute to find a date, fear not.

Hinge, a popular dating app that introduces users to friends of friends, says it's figured out which opening lines on a dating app land you a date the fastest — and which don't.

Hinge's data scientists studied 5,000 Hinge users who exchanged phone numbers within 24 hours. Then, they identified the most common words or phrases that led to success or failure.

SEE ALSO: These pickup lines have the highest success rates, according to the dating app Hinge

Don't apologize.



Don't be vague.



Be funny.



See the rest of the story at Business Insider

These 2 hidden iPhone features will change the way you get your texts

7 amazing tree houses you can rent on Airbnb

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san francisco tree house airbnb

Staying in an Airbnb is usually much different than your average night in a hotel, but it might be an especially weird experience if you end up renting a tree house.

The rental site offers people a chance to stay in everything from tents to castles, in addition to regular old rooms inside of houses. But tree houses on the site are surprisingly popular, often boasting at least 4 out of 5 stars from reviewers.

We rounded up 7 of our favorites here.

Not only is this Atlanta property Airbnb's most popular tree house, it was recently recognized by the rental site as the the most wished-for place in the world.

Source: Business Insider



It consists of 3 separate rooms, all connected by rope bridges. The bed rolls out to overlook a stream below.



It also has a living room with antique furnishings and an open deck. Because of its popularity, it's pretty tough to book, but right now it costs $350 per night.

Source: Airbnb



See the rest of the story at Business Insider

Go inside the beautifully redecorated Indian taxis that Coldplay featured in a recent music video

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Most city cabs in Mumbai are dull and forgettable. They all look the same, with a drab black and tan interior. The brightest thing on Mumbai cabs are their signature highlighter-yellow roofs.

Taxi Fabric re-thinks this traditional taxi interior by covering it with a cosmic explosion of wild patterns and colors. Since the project launched in late 2015, the collective of designers has worked with 26 local artists to trick out taxis in Mumbai.

Take a look at some of the psychedelic designs.

Mumbai’s taxis are an iconic part of city culture.



The cabs are one of the most popular ways to get around, so there's a lot of competition between drivers. To stand out from the crowd, cabbies will often personalize their rides by hanging jewelry from the front mirrors or placing Hindu shrines on the dashboards.



But most neglect the cars' upholstery that cover the seats and ceilings. Taxi Fabric helps the cars really stand out, by plastering vivid designs all over its interiors.



See the rest of the story at Business Insider

11 tips for calming your nerves before a big presentation

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speechAt age 15, Darlene Price had to give her very first speech.

She was presenting an oral book report on "Great Expectations" to Mrs. Weaver's tenth grade English class. She was nervous and could feel her hands shaking, heart racing, knees knocking, and palms sweating. As she reached the front of the room and turned to face her 33 classmates, she froze.

Moments passed, snickers erupted, and Mrs. Weaver asked 15-year-old Price to begin her presentation.

As soon as she made eye contact with the audience, all of the nervous tics disappeared — not because a wave of calm came over her, but rather because she fainted.  

Three decades later, Price is a communications coach, author, and the president of Well Said, Inc., an award-winning company that teaches professionals how to speak with confidence, clarity, and credibility. And, she jokes, she "can finally stay vertical during a speech."

Price says her high school experience taught her this: Great public speaking is not about getting rid of the nerves. It's about managing them so that you're able to effectively communicate and connect with the audience. 

She's also learned that what happened to her in tenth grade isn't so uncommon.

In fact, surveys about our human fears commonly show fear of public speaking toward the top of the list. "Though statistics vary on the exact percentages, it's safe to say most of us get nervous before a public speaking engagement," she explains. "As a speaker facing an audience, we often fear failure, criticism, judgment, embarrassment, comparison, or rejection."

Physically, nervousness and anxiety may cause an increased heart rate, a queasy stomach, sweating, shaking, shortness of breath, weak knees, dry mouth, a quivering voice, blushing, muscle tension, headache, stuttering, lightheadedness, or, even fainting — which Price learned the hard way.

"Despite the scary list of symptoms, the good news is this: There are no negative consequences from feeling nervous; the trick is to avoid showing it." An audience cannot see how you feel; they only see how you look and act. Therefore, when you learn how to look and act calm, confident, and composed on the outside, that's what the audience perceives and believes.

Here are 11 tips for calming your nerves before a big presentation:

SEE ALSO: 13 public speaking mistakes you don't want to make

Prepare.

Research your subject, craft your content, and know your material well in advance, Price suggests. "Just remember the six Ps: Proper Preparation and Practice Prevent Poor Performance," she says. "Procrastination only leads to increased anxiety." 

 



Know your venue.

"Don't wait until you arrive onstage to realize that there's a post blocking your view of half the audience, or that they will be serving dinner while you speak, or that there are problems with the audio visual equipment provided," says public speaking coach Ian Cunliffe. Research the venue, become familiar with the schedule of events surrounding your presentation, and test the equipment beforehand. 



Practice.

There's no better way to calm your nerves and ensure a winning presentation than to rehearse aloud, with an audience if possible. "Ideally, record the rehearsal and review your performance," Price says.

 



See the rest of the story at Business Insider

Science-backed ways to hack your online dating profile to get the best matches for Valentine's

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couple

It's that time of year again, when previously well-adjusted singles everywhere find themselves scrambling to avoid feelings of Hallmark-induced loneliness and desperation — Valentine's Day.

But if you don't have a date yet, fear not!

Dating online gives you access to a much larger pool of potential romantic partners than meeting people through conventional methods. It also gives you a peek at compatibility before you even commit to a date too.

We've scoured the research on online dating for the best ways to improve your odds of finding someone special.

Here are eight tips to help ensure you don't spend V-day alone:

CHECK OUT: Tinder isn’t the only reason the dating scene is terrible for women right now

DON'T MISS: Science-backed ways to hack your Tinder profile and get the most matches possible

Choose a good photo.

"Offline, physical characteristics play a critical role in attractions for both men and women," researchers wrote in a 2008 study. Not surprisingly,the same is true online.

For their study, researchers surveyed 30 men and 30 women about their online dating experiences, and found that having a good photo was more important than any other aspect of their profile.



If you're not using your real name, pick a strategic username or handle.

If you're not pulling info directly from Facebook, the username or handle you select can make a big difference in how potential partners perceive you online.

Research suggests straight men are more attracted to women whose usernames suggest physical attractiveness (such as "Blondie" or "Cutie"), whereas straight women are more attracted to men whose usernames suggest intelligence (such as "Cultured").

Alphabetical order matters too. Some research suggests that names in higher in the alphabet may be linked with measures of success such as education level or income, and these names are also likely to show up higher in search results.



Make eye contact, and smile!

Wired asked the dating site OkCupid for photos of 400 of the highest-rated profiles in 10 major US cities, and the results were intriguing.

They found that over 80% of users with the hottest ranked profiles had strong eye contact. Moreover, 54% were smiling with teeth, compared to 23% who weren't smiling and 13% who were smiling without teeth. And skip the duck face, ladies — only 6% of the hottest profiles had a pic of one.



See the rest of the story at Business Insider

The 7 most luxurious cars in the world

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We've seen some decked out private plane interiors, but not much on cars with truly luxurious insides.

That's because as beautiful as some cars are, few have astonishing interiors to match. Sure, they may come with the finest leather and cushioning, but usually the interiors are too cramped and simply typical to spend time talking about.

Rolls-Royce serenity lineBut some luxury car makers blow others out of the water when it comes to luxurious rides. 

We rounded up seven cars with the most insane interiors that have come out during the last year.

7. Land Rover has taken its flagship design and added luxurious perks to create the 2016 SVAutobiography.

The car is equipped with 29 speakers to create surround sound. It starts at nearly $90,000.



The rear passenger seats come with a little foot rest for ultimate relaxation. They also recline and can give you a massage!

There's a folding table that comes out of the center console so those sitting in the back can have something to lean on.



All of the controls are located in the rear center console. There are also sockets so the passenger can charge just about any device.

That beautiful wood you see is extracted from Black Wattle trees. It's extracted using an "organic process" making the wood featured throughout the car sustainable.



See the rest of the story at Business Insider

Haunting photos of Walmart stores shutting down reveal a new normal in America

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Walmart close 32In late January, 269 Walmart locations around the world closed for good, leading to major sales and empty aisles.

The closings, which the company announced earlier in January, impacted 154 locations and 10,000 employees in the US. 

With the growth of online shopping, brick-and-mortar locations are becoming a less important part of the retail business. In early January, Macy's revealed it planed to close 40 stores in the early 2016.

"The blunt truth is that while stores remain a vital part of the retail mix, they are not quite as relevant as they used to be," according to Conlumino CEO Neil Saunders."Walmart's decision is part of a larger shift that will be played out across all parts of the retail sector over the coming year and beyond."

Before the Walmart locations shut their doors for good, retail photographer Nicholas Eckhart visited two Supercenters in Hartland, Michigan and Bedford, Ohio in their final week of business.

Here is what Walmart stores look like as they prepare to shut down — something that could soon be a familiar sight at retail chains across the US. 

SEE ALSO: America's most iconic retailers are shutting down stores and laying off thousands — and this could be just the beginning

From the outside of this Bedford, Ohio location, everything looked normal.



Inside is a different story.





See the rest of the story at Business Insider

16 Netflix hacks that will take your binge-watching to the next level (NFLX)

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netflix socks 3

Everyone loves Netflix.

The service has taken over the world because it lets you binge on your favorite shows and movies to your hearts content. And you can watch whenever you want, wherever you want.

But even though the standard Netflix experience is good, it doesn't mean you can't improve it with few tricks.

From apps that turn Netflix into a trivia battle to add-ons that make it much easier to find your next show, here are 16 Netflix hacks that will help you get the most out of your subscription.

 

Find Netflix's "secret categories."

Netflix splits movies and TV shows into incredibly specific micro-categories.

All are tagged with a number — for example, "Epics" is category No. 52858. And once you have that code, to get a comprehensive list all you do is type it into your address bar after the word "genre," like this: http://www.netflix.com/browse/genre/52858.

If you want a list of the codes for different genres, head to this website. Alternatively, check out this site, which provides the ability to search through them, though there are not as many categories.



Know the Netflix keyboard shortcuts.

Here are the shortcuts you should be familiar with:

F = full screen
M = mute
Up arrow = volume up
Down arrow = volume down
Spacebar = play/pause
Shift + Left Arrow = rewind
Shift + Right Arrow = fast-forward
ESC = exit full screen

 



Sync up a Netflix date with someone across the country.

Showgoers is a Chrome extension that syncs up your watching with a friend or a significant other. 

The extension creates a unique link for your viewing session, which you can send to as many friends as you want. Once you’ve done that, you just click “Begin sync” and off you go.

Once you are synced, anyone with the link can press play and start watching at the same place. And when one person pauses or rewinds, it does the same for everyone who is watching.

You can install Showgoers for Google Chrome here.



See the rest of the story at Business Insider

POWER RANKINGS: Here's who has the best chance at being our next president

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Voters cast the 2016 election's first primary votes in New Hampshire on Tuesday.

On the Republican side, Sen. Ted Cruz (R-Texas) is coming off an impressive win in last Monday's Iowa caucuses. Sen. Marco Rubio (R-Florida) also finished in an impressively strong third place.

But New Hampshire is much friendlier territory for real-estate magnate Donald Trump, who heads into the votes with a commanding, double-digit lead.

In the Democratic primary, meanwhile, Sen. Bernie Sanders (I-Vermont) has continued to surge. After a narrow loss to the front-runner, former Secretary of State Hillary Clinton, in Iowa, Sanders is poised to capture victory in the Granite State. Clinton still holds a sizable, if shrinking, lead in national polls.

Here's another look at who has the best chance of making it to the White House to succeed President Barack Obama.

Our rankings are based on the Real Clear Politics averages of national polls and those in states of New Hampshire and South Carolina.  We also factored in the candidates' delegate count and their finish in Iowa, as well their momentum (or lack thereof) over the past few weeks.

Since Iowa, four candidates have dropped out of the race: former Arkansas Gov. Mike Huckabee (R), Sen. Rand Paul (R-Kentucky), former Sen. Rick Santorum (R-Pennsylvania), and former Maryland Gov. Martin O'Malley (D).

Here's a look at where all the candidates stand.

(All poll results as of Monday.)

SEE ALSO: 'MARCOBOT MALFUNCTIONS': Everyone's saying Rubio had a brutal debate night

10. Carly Fiorina, Republican, former Hewlett-Packard CEO

Fiorina surged after she stole the show with a stunning performance during the first lower-tier Republican debate in August. 

But over the past few months, she has had trouble sustaining that magic amid more scrutiny. She has dipped from her third-place standing in national polls at the height of her climb to a paltry 2.5% now. She was the only major Republican candidate to fail to qualify for last weekend's debate.

Still, she has experience as a business executive that few others in the field can point to, and she has been one of Hillary Clinton's fiercest critics.

National polling average among Republican voters: 2.5% (T-7th)
New Hampshire: 4.7% (7th)
South Carolina: 1.7% (8th)

DELEGATES: 1
STOCK: Neutral
Last month: 11



9. Ben Carson, Republican, retired neurosurgeon

Carson has continued to stagnate after a stunning rise that peaked in October, when he became the first Republican since July to overtake Donald Trump for first place in a national poll.

Like Trump, Carson is a Washington outsider who has shown that he can appeal to a broader electorate. And like Trump, even some of the more controversial things to come out of Carson's mouth have seemed to help his fund-raising and poll numbers.

But his time in the intense spotlight looks as if it might have finally taken its toll, as scrutiny has pervaded over his potential as commander-in-chief. His campaign, thrown into disaster in late December with the resignation of top aides, continues to hit speed bumps.

His national poll numbers have dipped about 17 points over the past three-plus months.

National polling average among Republican voters: 7.8% (4th)
New Hampshire: 2.9% (8th)
South Carolina: 8.7% (5th)

DELEGATES: 3
STOCK: Neutral
Last month: 9



8. Chris Christie, Republican, New Jersey governor

Christie has seen a bit of momentum sapped over the past month in the first-primary state of New Hampshire, where he is counting on a strong finish and where he has put in the most time of any GOP candidate.

Amid a barrage of attacks from rival candidates and their allied interests, Christie has seen his poll standing in the Granite State dip about six points over the past month-plus. He's now sixth there, compared with fourth last month.

He had, however, the most attention-grabbing moment of last weekend's debate, when he confronted Rubio and got the best of him during a lengthy, terse exchange. He has argued that exchange has the potential to alter the fundamentals of the race. We'll see.

National polling average among Republican voters: 2.5% (T-7th)
New Hampshire: 5.4% (6th)
South Carolina: 2.3% (6th)

DELEGATES: 0
STOCK: Neutral
Last month: 8



See the rest of the story at Business Insider

13 jobs that are quickly disappearing thanks to robots

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Robotic arms

Thanks in part to automated mail sorting systems, postal workers 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 and processors aren't the only ones whose jobs are disappearing thanks to robots.

Automation technologies that conduct physical, intellectual, or customer service tasks are affecting a variety of fields, most notably metal and plastic machine workers.

Based on the BLS's occupational outlook data, here are 13 jobs that could be on their way out of the US thanks to robots:

SEE ALSO: 25 jobs that might not be around in the future

DON'T MISS: If you have one of these 3 jobs, robots will never put you out of work

13. Forging Machine Setters, Operators, and Tenders, Metal and Plastic

According to the BLS, they set up, operate, or tend forging machines to taper, shape, or form metal or plastic parts.

Median annual pay:$35,480

Number of people who held this job in the US in 2014: 21,600 

Predicted number of people who will hold this job in 2024: 17,000

Projected decline: 21.5%

Why it's declining:According to the BLS, one of the most important factors influencing employment of manual machine setters, operators, and tenders is the high adoption of labor-saving machinery like computer numerically controlled (CNC) machine tools and robots to improve quality and lower production costs. 



12. 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%

Why it's declining:According to the BLS, one of the most important factors influencing employment of manual machine setters, operators, and tenders is the high adoption of labor-saving machinery like computer numerically controlled (CNC) machine tools and robots to improve quality and lower production costs. 



11. 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%

Why it's declining:According to the BLS, one of the most important factors influencing employment of manual machine setters, operators, and tenders is the high adoption of labor-saving machinery like computer numerically controlled (CNC) machine tools and robots to improve quality and lower production costs. 



See the rest of the story at Business Insider

NASA just released some stunning space-themed posters — here they are

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Mars invisible creature nasa.0Space and art fans prepare for lift off, NASA has commissioned Seattle-based design company Invisible Creature to create a set of space themed posters.

These posters were created as part of an internally distributed NASA calendar, but all of the images they created are going to be posted for free online. You can also buy prints from their online store. 

The three released so far: "The Grand Tour," "'Mars," and "Enceladus" are all focused on Mars space travel and tourism, but there's no restriction on the these prints other than how much free storage space you have. The prints are highly detailed, but rather than go on about them, it's best to let them speak for themselves.

The Grand Tour



Mars



Enceladus



See the rest of the story at Business Insider

Millennials, you're investing all wrong

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budweiser millennials beer

Young investors are getting it all wrong.

Swiss bank UBS polled 1,117 millennials and Gen X investors in December as part of its regular Investor Watch report and asked them a bunch of questions about investing. 

UBS defined millennials as between 21 and 37 years of age. Those in the survey aged between 21 and 29 had at least $75,000 in household income or $50,000 in investable assets, while those aged between 30 and 37 had at least $100,000 in household income or $100,000 in investable assets. 

Overall, millennials had the most regret about the financial crisis. Millennials were also much more likely to say they trusted "their gut" and that investing is all about market timing and to hold a big chunk of their portfolio in cash.

In short, they regret selling when they did and not buying when they could have. They also "failed to learn the same lessons as other generations" from the crisis, according to UBS, which is to buy and hold. Millennials are the least likely to stick to an investment plan, and while they are most likely to say they will take on risk, they actually take on the least.  

You can read some of what Business Insider has written about investing in your 20s and 30s here and here. The general consensus is that buying and holding stocks for the long term tends to work out, and that it makes sense to have higher risk exposures (think equities) in your younger years. 

Jim Cramer, host of CNBC's "Mad Money," has said that young investors should put the first $10,000 of their savings in index funds, for example. 

Here are the findings: 

Millennials have the most regrets following the financial crisis



The buy-and-hold approach is less popular with these millennial investors, who are much more likely to think "market timing" is key.



Millennials hold twice as much cash as other generations, despite the fact that, given their age, they can afford to take investment risk.



See the rest of the story at Business Insider

This tiny house hotel is the future of affordable vacations

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3  Bonfire and S'mores, caravan portland tiny house hotel

Adventurous tourists and prospective homeowners alike come to the first tiny house hotel — located in Portland, Oregon— to experience living small.

Founded in 2013, Caravan is unlike any hotel we've seen, featuring six 170-square-foot-or-less tiny houses (for perspective, that's less than half the space covered by a standard semi-trailer truck). A night in micro-paradise costs $145 per unit.

If it sounds like something straight out of "Portlandia," that's because it is. The show's Fred Armisen and Carrie Brownstein filmed a sketch on microliving at Caravan in 2014.

Let's take a look inside.

For 13 years, social justice worker Deb Delman lived next door to a lot that hosted everything from repossessed cars to an outdoor hookah bar. Nothing stuck around for long.



In 2011, she and partner Kol Peterson set out to transform the lot into a tiny house hotel. "This had never been done," Delman says. "There was no precedent."



They worked with city officials on zoning and obtained the first legally permitted commercial application for a tiny house.



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Use this emoji hack to simplify one of Snapchat's most confusing features

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Snapchat is one of the most valuable startups in the world — it's been valued at $16 billion.

If you're not a teen or a 20-something, though, you probably aren't familiar with the intricacies of the app.

Snapchat's user interface is sleek and minimalist, but it's filled with nuances and hidden features that aren't immediately apparent to amateur users.

When Snapchat got rid of its "best friends" feature last year, it replaced it with a list of emojis that are used to depict your relationship with other users. At the time, some users were unhappy with the switch.

We've written about tons of Snapchat hacks before — from Snapchat's hidden FaceTime-like feature to the hack for making superlong Snapchat captions

We've found one more to add to the list, and it lets you change up that controversial emoji feature. Here's how it works.

SEE ALSO: The ultimate guide on how to use Snapchat, explained by a 23-year-old

When you open the main Snapchat app, swipe down on the main screen, or tap the ghost icon at the top. Then tap on the little gear icon in the upper-right corner.



Here's your settings page. Tap on "Manage" under "Additional Services."



Here's where your friend emojis are. Tap on that.



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Everything you need to know before 'The Walking Dead' returns Sunday

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Warning: If you're not caught up, there are major spoilers for "The Walking Dead" season six below!

"The Walking Dead" season six returns on February 14, making for a very bloody Valentine's Day indeed.

The first half of the season left a number of characters in dire straits.

AMC is promising an action-packed premiere, but if you need a refresher before seeing Rick and the other survivors again, don't worry.

We have everything you need to know to get caught up before the mid-season premiere. 

The last time we saw Rick and his crew, they were being threatened by a giant zombie horde.



The invasion began after one of Alexandria's walls collapsed from the weight of a fallen tower.



Rick and his group are immediately overwhelmed by the walkers and retreat into a nearby house for safety.



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