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9 amazing innovations in Bentley's newest SUV

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Looking for a luxury car that comes with its own fine china set? Then the Bentley Bentayga is for you.

Bentley Bentayga

This car is so nice that if you decided to sleep in it full-time, we really wouldn't judge you.

Here's nine amazing innovations in the latest Bentayga:

Drivers can turn a dial to select one of eight driver modes, such as cruise control and an off-road setting.



The Bentley also comes with a number of driver aids, like a warning system that will detect crossing traffic when you're pulling out of a parking space.

There are also four cameras on the car that will display the car's surroundings.



It comes with a heads-up display system that will project information like speed and navigation on the dashboard.

It also comes with a night vision feature that will display obstacles ahead you might miss when driving in the dark.



See the rest of the story at Business Insider

How companies exploit your psychology to trick you into buying stuff

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sale sign store

From Facebook ads to TV commercials, you're constantly being bombarded by people trying to sell you stuff.

And marketers may not be scientists, but they've mastered the art of using your psychology against you. By exploiting your vulnerability to different style of propaganda, companies can trick you into buying more stuff and paying more for it.

We've scoured the research on some of the strategies marketers use to lure in consumers, so you can catch them in their own game:

CHECK OUT: Here’s how false confessions — like the one Brendan Dassey allegedly gave on 'Making a Murder’ — happen

NOW READ: These two winning strategies could explain Marco Rubio's surge in the GOP race

Priming

It's well-known in psychology that being exposed to one idea or concept can affect your response to another, related thing. For example, you're more likely to recognize a word like "tasty" after seeing a picture of a delicious meal than after a picture of a garbage dump. 

In a 2002 study, researchers measured how a webpage's background influenced consumers looking to buy a car. When the background was green with pennies on it, customers spent more time perusing the cost info, but when the background was red with flames, they spent more time looking at the safety section.



The decoy effect

Sometimes, a company will include an additional price option just to make you think you're getting a deal.

Duke professor of psychology and behavioral economics Dan Ariely did a study of a marketing strategy used by The Economist, as he described in a TED talk. The magazine offered three subscriptions: an online subscription for $59, a print subscription for $125, and a print-and-online subscription for $125.

When Ariely offered 100 students the three options, most students picked the online-print combo, since it seemed like the best deal. But when he took out the print-only option, most students picked the cheaper, online-only one.



The illusion of scarcity

People are more likely to desire things if they seem like scarce resources. 

In a classic study in 1975, researchers showed 200 people two identical cookie jars, except one had 10 cookies and the other had just two. Surprisingly, people rated the cookies in the empty jar as more valuable.

Today, airlines and other companies use the scarcity principle all the time (think "only a few tickets left at this price!"). 



See the rest of the story at Business Insider

Here's what it was like to be Mansa Musa, thought to be the richest person in history

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mansa musa

African King Musa Keita I is thought to be the richest person of all time — "richer than anyone could describe,"reports Time.

Literally. His fortune was incomprehensible, Time's Jacob Davidson writes: "There's really no way to put an accurate number on his wealth."

He ruled the Mali Empire in the 14th century and his land was laden with lucrative natural resources, most notably gold.

"His vast wealth was only one piece of his rich legacy," reports Jessica Smith in a TED-Ed original lesson. Read on to learn more about the legendary king and see what it was really like to be the richest person in history:

SEE ALSO: How old 17 self-made billionaires were when they made their first million

Musa Keita I came into power in 1312. When he was crowned, he was given the name Mansa, meaning king. At the time, much of Europe was famished and in the middle of civil wars, but many African kingdoms were thriving.



While in power, Mansa Musa expanded the borders of his empire tremendously. He annexed the city of Timbuktu and reestablished power over Gao. All in all, his empire stretched about 2,000 miles.

Mansa Musa was in charge of a lot of land. To put it into perspective, he ruled all (or parts) of modern day Mauritania, Senegal, Gambia, Guinea, Burkina Faso, Mali, Niger, Nigeria, and Chad.



The rest of the world caught wind of his great fortune in 1324, when he made the nearly 4,000 mile pilgrimage to Mecca. He didn't do it on the cheap.



See the rest of the story at Business Insider

Americans hate dating apps — but we can't stop using them

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dating

America is more addicted to dating apps than ever.

New research from the Pew Research Center shows that in the past two years, the percentage of US adults who had used a dating app tripled. But that doesn't mean all dating apps are created equal.

App analytics company Applause recently completed a study of 97 dating apps to see which ones were meeting user expectations. To qualify, an app had to have more than 2,000 reviews across the App Store and the Google Play store.

Applause found that, in general, the most popular US dating apps trailed other apps in quality by 23 points (out of 100). That's a big difference, and perhaps indicates that people take out their dating woes on the apps they use.

But regardless, there were stark differences between popular apps like Tinder, OkCupid, Bumble, and Hinge. We have previously reviewed the major dating apps from both a woman's and man's perspective, but we were surprised which apps did the best in an analysis of user reviews. In particular, Hinge, one of our favorites, did not fare well.

Here is America's ranking of 11 popular dating apps, as measured by Applause:

No. 11: Hinge (22/100)

Hinge's innovation was that it only matched you with your extended social network — friends of friends. The app presents you with around a dozen matches a day for you to swipe yes/no on.

Download Hinge (iOS, Android)



No. 10: Grindr (28.5/100)

Grindr's mission was to help gay guys meet up, quickly, wherever they were. It quickly became a smash hit, and recently sold a majority stake to a Chinese gaming company.

Download Grindr (iOS, Android)



No. 9: Zoosk (30/100)

Zoosk recently had to lay off a third of its staff after being crushed in the market by apps like Tinder. It has features like photo verification, which lets you confirm that your photos are actually you.

Download Zoosk (iOS, Android)



See the rest of the story at Business Insider

Here are the 16 best family cars for 2016

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Honda Accord 2016

Buying a new car is a major decision for any family. To make things easier, the editors at Kelley Blue Book took it upon themselves to test out two dozen of what they consider to be the best family cars on sale today in the US. The automotive publication announced the results of their evaluation in the form of their latest "Best Family Cars of the Year" list.

The cars were selected for more detailed testing from the pool of more than 300 the publication tests every year. These cars were deemed superior to others in the market based on evaluations made by the editorial team along with Kelley Blue Book data on each respective model.

"For two weeks' time we drove, lived-with, folded-down-seats-of, paired-phones-to and installed-baby-seats-in each and every one of the contenders," Jack R. Nerad, Kelley Blue Book's KBB.com executive editorial director and executive market analyst, said in a statement.

He said: "We loaded cargo, contorted ourselves into third rows, watched movies on rear-seat screens, toted rowing teams to marinas — in short, we did everything that you and your family might do with a vehicle day-to-day."

The publication's editors evaluated each vehicle with a focus on safety, comfort, convenience, spaciousness, and child-safety-seat fit. In total, 16 vehicles — six sedans, three minivans, and seven crossover/SUVs — made the final list. The biggest winner was Honda, with six of its models on the top list. Chevrolet also showed well with three cars on the list.

According to Kelley Blue Book, the runners-up include the Toyota Camry, Ford F-150, Ford Explorer, RAM 1500, Hyundai Tucson, Kia Soul, Toyota Avalon, and Subaru Crosstrek. Here is a closer at the Kelley Blue Book's 16 best family cars for 2016:

SEE ALSO: These are the 10 best engines in the world

The first car on the list is Honda's redesigned 2016 Civic. The compact sedan is KBB.com's Overall Best Buy of 2016. The publication praised the car for its loads of standard equipment, safety features, and cool new styling.



The Civic was joined by its big brother, the 2016 Honda Accord. KBB praised the Accord for its roomy, high-quality interior and rock-solid powertrain.



The Kia Optima makes the list as KBB.com's Midsize Car Best Buy of 2016. The publication lauded the Korean sedan for its stylish, family-friendly design, as well as its high feature content.



See the rest of the story at Business Insider

12 weird psychological reasons someone might fall in love with you

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jay beyonceLove is mysterious, but it's probably not destiny.

According to the research, your hormones, interests, and upbringing all help determine who you fall for — and who falls for you.

Since your partner plays a significant role in your long-term health, happiness, and even your career prospects, we've scoured the studies and collected some of the psychological reasons two people click.

This is an updated version of an article originally written by Maggie Zhang.

SEE ALSO: Science says people decide these 9 things within seconds of meeting you

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

If you're really, really alike

Decades of studies have shown that the cliché that "opposites attract" is totally off.

"Partners who are similar in broad dispositions, like personality, are more likely to feel the same way in their day-to-day lives,"said Gian Gonzaga, lead author of a study of couples who met on eHarmony. "This may make it easier for partners to understand each other."



If you look like their opposite-sex parent

University of St. Andrews psychologist David Perrett and his colleagues found that some people are attracted to folks with the same hair and eye color of their opposite-sex parents, as well as the age range they saw at birth.

"We found that women born to 'old' parents (over 30) were less impressed by youth, and more attracted to age cues in male faces than women with 'young' parents (under 30),"the authors wrote. "For men, preferences for female faces were influenced by their mother's age and not their father's age, but only for long-term relationships."



If you smell right

A University of Southern California study of women who were ovulating suggested that some prefer the smell of T-shirts worn by men with high levels of testosterone.

This matched with other hormone-based instincts: Some women also preferred men with a strong jaw line when they were ovulating



See the rest of the story at Business Insider

Rams owner Stan Kroenke bought a Texas ranch as big as Rhode Island that was listed at $725 million

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Los Angeles Rams owner Stan Kroenke has agreed to buy the historic Waggoner Ranch estate in Vernon, Texas.

According to Bloomberg, the terms of the purchase were not disclosed, but the asking price was $725 million.

The ranch is the biggest in the US within a single fence — bigger than New York City and Los Angeles combined!

Bloomberg shot a video of the ranch before the sale showing the sprawling estate.

Check out some of the pictures below:

The ranch comes in at a whopping 520,527 acres, or 800 square miles.



The ranch, which was in the family since 1849, has over 6,800 cattle, 1,000 oil wells, 30,000 acres of crops, two family compounds, "hundreds" of other buildings, and wildlife across the property.



An old stone wall greets visitors.



See the rest of the story at Business Insider

7 extremely wealthy people who choose to live frugally

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Mark Zuckerberg

Frugality is a subjective term. To the average Joe it could mean eating meals at home or scouring the internet for cheap flights. But to a billionaire it means showing up to work in a T-shirt and jeans, driving a Toyota or Volkswagen, and, in some instances, foregoing the purchase of a private jet or lavish vacation home.

A handful of frugal billionaires appear on our list of the richest people on earth, and each one has his own penny-pinching habits.

From eating lunch in the office cafeteria with their employees to residing in homes worth a fraction of their wealth, these seven self-made billionaires — many of whom are also generous philanthropists— know the secret to keeping their net worths high.

SEE ALSO: The 50 richest people on earth

DON'T MISS: The 25 richest self-made billionaires

Warren Buffett, chairman and CEO of Berkshire Hathaway, still lives in the same home he bought for $31,500 in 1958.

Net worth:$60.7 billion

The "Oracle of Omaha" is one of the wisest and most frugal billionaires around. Despite his status as the third-richest person on earth, he still lives in the same modest home he bought for $31,500 in 1958, doesn't carry a cellphone or have a computer at his desk, and once had a vanity license plate that read "THRIFTY," according to his 2009 biography.

Buffett also has a decidedly low-brow palate, known not just for investing in junk-food purveyors like Burger King, Dairy Queen, and Coca-Cola, but also for filling up on them as well. The Buffett diet includes five Cokes a day, as well as Cheetos and potato chips.

At his annual shareholder's meeting in 2014, Buffett explained that his quality of life isn't affected by the amount of money he has:

My life couldn't be happier. In fact, it'd be worse if I had six or eight houses. So, I have everything I need to have, and I don't need any more because it doesn't make a difference after a point.



Mark Zuckerberg, founder and CEO of Facebook, drives a manual-transmission Volkswagen hatchback.

Net worth:$42.8 billion

Despite his status as one of the richest tech moguls on earth, Mark Zuckerberg leads a low-key lifestyle with his wife, Priscilla Chan, and their newborn daughter. The founder of Facebook has been unabashed about his simple T-shirt, hoodie, and jeans uniform.

"I really want to clear my life to make it so that I have to make as few decisions as possible about anything except how to best serve this community," Zuckerberg said.

The trappings of wealth have never impressed the 31-year-old. He chowed down on McDonald's shortly after marrying Chan in 2012 in the backyard of their $7 million Palo Alto home — a modest sum for such an expensive housing market and pocket change for a man worth almost $43 billion. In 2014, he traded in his $30,000 Acura for a manual-transmission Volkswagen hatchback.



Carlos Slim Helú, founder of Grupo Carso, has lived in the same six-bedroom house for more than 40 years.

Net worth:$23.5 billion

Rather than spending his fluctuating fortune, Carlos Slim funnels his billions back into the economy and his vast array of companies. He once mused to Reuters that wealth was like an orchard because "what you have to do is make it grow, reinvest to make it bigger, or diversify into other areas."

The 75-year-old is by far the richest man in Mexico, but he forgoes luxuries like private jets and yachts and reportedly still drives an old Mercedes-Benz. Slim runs his companies frugally, too, writing in staff handbooks that employees should always"maintain austerity in prosperous times (in times when the cow is fat with milk)."

The businessman has lived in the same six-bedroom house in Mexico for more than 40 years and routinely enjoys sharing home-cooked meals with his children and grandchildren. He's got a couple of known indulgences, including fine art — in honor of his late wife — and Cuban cigars, as well as an $80 million mansion in Manhattan, which he was trying to sell last spring.



See the rest of the story at Business Insider

An inside look at the historic career of 'unlikely ballerina' Misty Copeland, who went from 'pretty much homeless' to dance superstar

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misty copeland under armour

Professional ballerina Misty Copeland, 33, made history last year when she became the first African American woman to be named principal dancer with the legendary American Ballet Theatre.

This week she's making headlines with a recent Harper's Bazaar photo shoot she did that recreated images from the famous paintings and sculptures of French artist Edgar Degas. 

Copeland told the magazine she had difficulty freezing in these certain pre-determined poses because, like all dancers, she's a bit of a control freak. "It was interesting to be on a shoot and to not have the freedom to just create like I normally do with my body," she told the magazine.

Her frame may be petite, but her stage presence is huge and has ignited opportunities that extend far beyond international magazines. She served as a judge on "So You think You Can Dance"; wrote a memoir and a children's book; was part of the Under Armour "I Will What I Want" campaign; was named one of the 100 most influential people in the world by TIME last year; and was the subject of the documentary "A Ballerina's Tale," which debuted at the 2015 Tribeca Film Festival. 

The dancer describes herself as an "unlikely ballerina" (it's the subtitle of her 2014 memoir), and it's true: whatever your ballet stereotypes, it's likely Copeland doesn't fit them. Here's how she went from "pretty much homeless" to dance superstar. 

Rachel Sugar contributed to a previous version of this article. 

SEE ALSO: There are only 229 Master Sommeliers in the world — here's how one 27-year-old worked his way into this exclusive club

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

Misty Copeland was born in Kansas City, Missouri, in 1982. When she was 2, her parents divorced, and her mom, Sylvia, moved Copeland and her three older siblings to start over in Bellflower, California, a suburb of Los Angeles. The next time she saw her biological father, she would be 22 and a dancer with the American Ballet Theatre.

Source



Copeland spent her childhood "dancing to Mariah Carey videos, rewatching a movie about the gymnast Nadia Comaneci, and being very prepared for school, where she was a hall monitor and the class treasurer," wrote Rivka Galchen in a 2014 New Yorker profile.

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But she didn't take any formal gymnastics or dance classes until she was 13 — insanely late for a female ballet dancer. These kids below are auditioning for the super prestigious School of American Ballet. They're between 6 and 10.

Source



See the rest of the story at Business Insider

How old 17 self-made billionaires were when they made their first million

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mark cuban

Mark Zuckerberg had $1 million in the bank at the ripe age of 22, while Larry Ellison didn't reach millionaire status until age 42. Today, they're both billionaires.

Some successful entrepreneurs strike it rich early on. For others, it takes decades.

Using an infographic from UK-based web platform Fleximize, we've broken out the age at which Zuckerberg, Ellison, Cuban, and other self-made billionaires made their first million.

SEE ALSO: This Steve Jobs quote perfectly sums up the difference between billionaires and the rest of us

Mark Zuckerberg: 22

The Facebook cofounder and CEO became a millionaire in 2006 at age 22.

It didn't take long for him to make the leap from self-made millionaire to billionaire. At the age of 23, Facebook's IPO made Zuckerberg the youngest self-made billionaire in history.

Today's estimated net worth: $43.9 billion



Evan Spiegel: 23

The Snapchat cofounder and CEO became a millionaire in 2013 at age 23.

Two years later, the value in his Snapchat shares reached $1 billion, making him a 25-year-old self-made billionaire.

Today's estimated net worth: $2.1 billion



Sir Richard Branson: 23

Britain's high-profile billionaire earned his first million in 1973 at age 23.

Nearly two decades later, the Virgin Group founder reached self-made-billionaire status at age 41.

Today's estimated net worth: $5.1 billion



See the rest of the story at Business Insider

15 cognitive biases that screw up your relationships

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Couple Talking

Even the most intelligent and empathetic people are plagued by psychological pitfalls that prevent them from fully understanding other people.

In fact, we're pretty much hardwired to make mistakes in our judgments of and behavior toward others.

Here, we've rounded up 15 cognitive biases that affect our everyday interactions. The scary part is that most of them happen without us even noticing.

SEE ALSO: 20 cognitive biases that screw up your decisions

Choice-supportive bias

When you choose something, say a boyfriend or girlfriend, you tend to feel positive about it, even if the choice has flaws. For example, you may think your dog is awesome — even if it bites people every once in a while — and that other dogs are stupid, since they're not yours. 



Curse of knowledge

When people who are well-informed cannot understand the common man. For instance, in the TV show "The Big Bang Theory," it's difficult for scientist Sheldon Cooper to understand his waitress neighbor Penny. 



Empathy gap

Where people in one state of mind fail to understand people in another state of mind. If you are happy, you can't imagine why people would be unhappy. When you are not sexually aroused, you can't understand how you act when you are sexually aroused.



See the rest of the story at Business Insider

Everything Grammy nominees get in the extravagant $22,000 gift bag they take home

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Beyonce grammy

The 58th annual Grammy Awards take place Monday night, and even if the musicians don't win, they each still get to take home a gift bag filled with lavish items worth about $22,000.

Organized by Distinctive Assets, the same company that puts together the extravagant Oscar "swag bag," this year's bag includes a $199 box of chocolates and a $5,500 ultherapy treatment, which uses ultrasound energy to tighten skin.

The company has hosted the Grammy Gift Lounge and organized the gift bag for 17 years.

Here's everything that this year's nominees, presenters, and performers will get in their Grammy gift bags:

SEE ALSO: Everything Oscar nominees get in the extravagant $200,000 'swag bag' they take home

Hairstyling products, including a blow-dryer and flatiron by Tools By Gina, $250



SCUF Gaming customized controllers, $300



Phillip Ashley Chocolates: Luxe Collection chocolate gift box, $199, and 23k Gold salted caramel pecan praline, $79



See the rest of the story at Business Insider

The 25 highest-paid NBA players of all time

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Shaquille O'Neal

The NBA may still be behind the NFL and Major League Baseball in terms of generating money, but thanks to rising TV revenue and smaller rosters, an NBA career can be lucrative.

This is especially true for the athletes who played a large chunk of their careers between the late 1990s and the 2011 lockout.

While many of the all-time greats of the past 20 years are among the highest paid of all time, these years also led to some large contracts for some otherwise mediocre players.

Here is a look at the 25 players who have made at least $152 million, according to data collected from Spotrac, and online sports resource, and Basketball-Reference:

25. Dwyane Wade ― $152,915,934

Seasons: 13

Highest single-season salary: $20 million

Championships: 3

All-Star Games: 12

NBA First-team All-NBA: 2



24. Allen Iverson ― $154,494,445

Seasons: 14

Highest single-season salary: $20.8 million

Championships: 0

All-Star Games: 11

NBA First-team All-NBA: 3



23. Vince Carter ― $154,823,574

Seasons: 18

Highest single-season salary: $18.3 million

Championships: 0

All-Star Games: 8

NBA First-team All-NBA: 0



See the rest of the story at Business Insider

One of Hallmark’s 24 card writers reveals what it’s really like to work for the $3.8 billion company

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diana manning1

When we want to wish someone a happy birthday or Valentine's day, say "congratulations" or "thank you," or tell them "I'm sorry" or "get well soon," we roam the greeting card aisle looking for the perfect way to say it.

We rely on those cards to express the thoughts and feelings so many of us have trouble articulating. 

But have you ever wondered who's actually behind those poetic, funny, or cheerful expressions? Have you thought about who is coming up with the words we so often can't? 

At Hallmark alone — the largest manufacturer of greeting cards in the US, which had $3.8 billion in consolidated revenues in 2014 — there are 24 employees who are responsible for writing cards.

One of them is Diana Manning, a 59-year-old senior writer who has worked at the company's Kansas City headquarters for over 30 years.

Business Insider recently spoke with Manning, who wrote her first greeting card at age 9 for her grandparent's anniversary — about what it's really like to be a card writer for Hallmark. Here's what she told us.

Some responses have been edited for clarity.

SEE ALSO: Here's what it’s REALLY like to work for the FBI

Before Hallmark

"I grew up in a small town in Iowa. I had always been interested in literature and language and stories from a young age. I wrote silly poems as a kid, and also made my own cards for family members when I was growing up. I still have the rhyming anniversary card I gave to my grandparents when I was nine.

"But I never really held out hope that I could make a living as a writer. In college, I studied to be an English teacher, and assumed that was probably what my lifetime career would be.

"While I was a senior at Iowa State University, Hallmark visited my campus but I just missed getting an interview with them.

"There were ten slots on the interview sign-up sheet, and I was the eleventh person in line. I had to wait another year before another interview opportunity came my way."



Finding the job

"I was teaching high school English in Iowa my first year out of college when I saw an ad in the paper for a greeting card writer.

"The ad didn't specifically mention Hallmark, but said the company was based in Kansas City, so I assumed that's who I'd be working for. I had already decided that teaching was not my calling after all, and jumped at the chance to become a full time writer — especially for such a prestigious company as Hallmark." 



Getting the job

"After I applied, I was sent a set of exercises to complete to see if I had some potential as a greeting card writer. Back then, it was an actual physical portfolio I had to type out and send through the mail. Today, of course, the process is all digital. But the intent is the same — can you write something clever or emotional, can you rhyme and meter?

"After a few weeks, I heard back from Hallmark and was flown in for a day of interviews, meeting with several writers and editors. People commented on the pieces of writing I'd sent in, and I guess wanted to make sure I'd fit in personality-wise.

"My grandmother didn't want me to get my hopes up and told me not to be too disappointed if I didn't get the job — she was sure lots of people applied for a job like this. But I was told later once I was hired that it was my rhyme and meter skills and sense of structure that had landed me the job. I was really excited to get started, and was assigned a mentor to train me in all the ins and outs of the business and the types of writing I'd be doing."



See the rest of the story at Business Insider

Here's how long various drugs stay in your system

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drug testing

One of the reasons that drug tests are a colossal scam is that not all drugs stay in your system for the same amount of time. In fact, some of the least dangerous drugs such as marijuana can be detected in your urine, blood, and hair for much longer than harder drugs such as heroin and meth — meaning that schools, employers, and law enforcement agencies that drug test disproportionately penalize marijuana users.

RELATED: THIS IMAGE PROVES WHY DRUG TESTS MAKE NO SENSE

ATTN: has previously reported on how workplace drug testing discriminates against marijuana users, but in order to illustrate just how disparate drugs interactions can be, here's a breakdown of how long each drug stays in your system.

 

 

 

SEE ALSO: A popular way of cooking broccoli is leeching potentially cancer-fighting compounds from it

1. ALCOHOL

Urine: Three to five days

Blood: 10 to 12 hours

Hair: Up to 90 days



2. AMPHETAMINES

Urine: One to three days

Blood: About 12 hours

Hair: Up to 90 days



3. BARBITURATES

Urine: Two to four days

Blood: One to two days

Hair: Up to 90 days



See the rest of the story at Business Insider

5 essential money conversations to have before proposing to your partner

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wedding couple

Valentine's Day has a tendency to inspire sweeping gestures like marriage proposals — but before you swap the box of chocolates or dozen roses for a diamond ring, you'll want to make sure you've talked through the practical side of things with your partner.

"You'll want to have really good, open communication about where you currently are financially and what your financial goals are," says Mikel Van Cleve, certified financial planner and director of personal finance advice at USAA. "It's really important that both individuals come together and be on the same page in order to avoid conflict later down the road."

While money conversations aren't the most romantic, they must happen. After all, arguments about money are a leading predictor of divorce.

Consider these five topics before popping the question: 

SEE ALSO: 10 ways couples can finish rich

What is your money philosophy?

Before getting into the details of joint bank accounts and estate planning, start by understanding the financial background of your partner, says Andy Smith, certified financial planner and financial adviser at the Mutual Fund Store: "Start talking about your backgrounds, where you're coming from. Try to get a sense of how the other person approaches money."

You'll want to find out how they feel about money and what they consider to be its purpose in their life. What are their attitudes toward money? What are yours? What did your parents teach you about spending, saving, philanthropy?



What are your financial goals?

Just because you may now have two incomes doesn't mean you can afford everything you want. "There are some needs and wants that are more equal than others," Smith told Business Insider.

Whether it's paying for frequent vacations or owning nice cars, your values won't always match up. Draft independent lists of your wants and needs so you can spot potential conflicts before they arise.

Once you're married, you'll want to revisit the financial goals you talked about, make them more specific and detailed by writing them down, and establish a finish line. Be realistic when setting a time frame, but at the same time, think big and don't be afraid to challenge yourself. But for now, getting a general idea of what your partner wants to achieve with their money is an excellent start.



What are your life goals?

Does one partner plan on staying home with the kids for a period of time? What are you hoping to accomplish in the short term, and where do you want to end up 20 years from now? Do you want to travel? Retire early? You may not have a clear timeline sketched out in your head, but the earlier you start talking about your ideas for the future, the more likely you are to achieve what you want.

When thinking about bigger purchases the two of you hope to make later on, it's smart to bring up credit score. You don't want there to be any unpleasant surprises when you and your partner go to a mortgage company to get pre-approved, for example, and you're rejected because one of you has terrible credit. 

To buy a home, you'll need a credit score of about 640, explains Bill Liatsis, CEO and co-founder of online loan platform CreditIQ, and it would take about two years to get your score up about 200 points. "If one person has a lower score, you have to be aware of that," he explains. "Credit score has a big bearing on what that couple may be able to accomplish as a family in the future."

The earlier you cover the topic, the better. Start by checking your credit score, which you can do as often as you want through free sites like Credit Karma, Credit.com, or Credit Sesame.



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The surprising jobs that launched 15 US presidents on a path to the White House

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The road to professional success looks different for everyone. Some people are born into wealth and power — others start from the bottom and work their way up. 

In honor of Presidents Day, we took a look at the career paths of 15 US presidents to learn where they started.

Here are the surprising first jobs held by Nixon, Clinton, Obama, and 12 other US presidents:

SEE ALSO: How to memorize every US president's name in less than an hour

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

George Washington started working as a surveyor in Shenandoah Valley at age 16.

When Washington, the first US president, was 16, Lord Thomas Fairfax gave him his first job surveying Shenandoah Valley in Virginia and West Virginia, according to kenmore.org.

Surveyors measure land, airspace, and water, and explain what it looks like and how much there is for legal records. 

The next year, at age 17, Washington was appointed the official surveyor of Culpeper County. By the time he was 21, he owned more than 1,500 acres of land, according to virginia.edu



John Adams was a schoolmaster.

After graduating from a class of 24 students, Adams took his first job as as a schoolmaster in Worcester, Massachusetts, according to a biography of the second US president on the University of Groningen website.

However, the career was not fulfilling for Adams and he was often filled with self doubt, as evidenced by the personal entries in his famous journal. To keep up with his own reading and writing, Adams would sometimes ask the smartest student to lead class.



Thomas Jefferson was a lawyer.

Before he became the third president of the US, Jefferson handled 900 matters while specializing in land cases as a lawyer in the General Court in Williamsburg, Virginia, according to encyclopediavirginia.org

His time spent serving his clients, ranging from lower to upper class, greatly influenced his political ideology. As he wrote in his "Autobiography" in 1821, he wanted to create a "system by which every fibre would be eradicated of antient or future aristocracy; and a foundation laid for a government truly republican."



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13 inspiring quotes from Abraham Lincoln on liberty, leadership, and character

Happy Presidents' Day! Incredible archive photos of how one of America's greatest landmarks was built

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Completed during the height of the Great Depression, the carving of Mount Rushmore took nearly 14 years to complete. 

Built from October 1927 to 1942, the construction of the monument involved more than 400 men and women working for as little as $8 a day, according to the National Park Service. 

But, at the height of the depression, many workers saw the construction of Mount Rushmore, with all its inherent difficulties, as significantly better than having no job at all. 

We dug through the archives to find photos of one of America's grandest and most imposing monuments.

SEE ALSO: America's 9 greatest war hero presidents

Construction on Mount Rushmore began on October 4, 1927 in the Black Hills, sacred land to the Lakota Sioux.



Mount Rushmore's design was based off of a blaster model, which was housed at a studio on site.



The majority of the work to construct the mountain was done by dynamite.



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The 'Deadpool' and 'Mad Max: Fury Road' composer explains how he makes his massive scores

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Known in the electronica world by his alias, Junkie XL, Dutch musician Tom Holkenborg has been making his mark in Hollywood for over a decade as a composer, but now he's getting a lot more attention.

Holkenborg has been on an impressive run, including doing the scores for “Mad Max: Fury Road,” “Black Mass,” “Deadpool," and the highly anticipated “Batman v Superman: Dawn of Justice.”

Business Insider talked to Holkenborg about how he created the unique music for these movies.

SEE ALSO: The 15 most successful Oscar best picture winners

Originally the “Mad Max: Fury Road” score was only going to include music from The Doof Warrior.

Holkenborg’s entrance into George Miller’s “Mad Max: Fury Road” began in August of 2013 when he flew to Sydney to see the movie, which Holkenborg admits didn’t have “a beginning and an ending.”

But Miller had an idea for the film’s score: that it would entirely come from the guitar-playing/flamethrower-shooting character The Doof Warrior.

“He didn’t want any score at all in the movie,” Holkenborg told Business Insider. “He thought at first the guitar and the sound of the cars would be enough, and that’s how we started on the film.”

But Holkenborg would convince Miller to go a different route once he came up with some music.



The music for the massive storm scene changed the score for “Fury Road.”

After seeing most of the movie in 2013, Holkenborg immediately went to work on the guitar sound for The Doof Warrior and the massive drums that accompany him, but he also came up with the music to accompany the massive sandstorm the lead characters drive into.

The music that features horns and strings matched with the chaos inside the eye of the storm caused Miller to completely change his mind about only having The Doof Warrior guitar be the main score.

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“I was so inspired after seeing the movie that I immediately took on the massive storm scene and finished it in four weeks. It was a writing extravaganza,” Holkenborg said. “[George] loved it so much. He said, 'It’s done,' and he never came back to me with any notes about that section for two years.”

But Holkenborg wasn’t done with the film. For the next two years, it was constant “experimentation” in filling in the emotional music Miller needed for the second half of the movie.



“Black Mass” is Holkenborg’s version of a traditional score.

Holkenborg said that this movie that looks inside the violent reign of infamous crime boss Whitey Bulger is his most by-the-numbers score.

“It’s live strings, live woodwinds, and piano. It was the first time I had done a movie like that,” he said.

Holkenborg had come onto the film with only four weeks until it was to be locked, so he said the discussions with director Scott Cooper on creating this evolving music to resemble Bulger’s rise as a crime lord were essential.

But, at times, having no music was the best play.



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