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I spent 5 years studying rich people, and here are the 6 best pieces of advice I can give you about making more money

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wealthy vineyard party hamptons

There are smart ways to try and make more money — and there are not-so-smart ways.

Thanks to my five-year study of rich people (those with an annual income of $160,000 or more and a liquid net worth of $3.2 million-plus), I was able to uncover some of the best ways to make extra money.

Here are six of the best pieces of advice I found:

SEE ALSO: I spent 5 years studying rich people, and here are the 9 best pieces of advice I can give you about money

1. Pursue something you’re passionate about as a side business.

Build a side business doing something that you love and that provides value to others and society. The self-made millionaires in my study who loved what they did for a living accumulated an average wealth of $7.4 million over just 12 years.

When you do something you love, you will devote all of your available time to it.

The Wright brothers ran a bicycle business full time, and on the side they conducted their famous experiments that eventually led to the invention of airplane. Over the course of five years, the two brothers often worked eight hours at their bike shop business and another eight hours on their passion, the airplane.

When you do what you love, you are somehow able to find the energy and the time to devote to your passion.



2. Take calculated risks with your savings.

Success requires risk.

You have to risk some time and money in order to build wealth of any kind. I’m not talking about gambling, here. I’m talking about an entirely different type of risk called calculated risk.

This risk requires that you gain some experience and working knowledge in an area, and then put that knowledge to work by taking action (as opposed to diving blindly into an area in which you lack any expertise). It might be real estate, investing in a private business, starting your own business, or pursuing another somewhat-risky opportunity.



3. Develop a niche in your career or business.

Those in my study who had a unique expertise in a particular area were paid the most by their company or were able to charge more to customers or clients than their competition. You can develop your niche on the side, in the mornings, at night, or over the weekend through self-study or by taking classes at night.

Most of the millionaires in my study read 30 minutes or more every day for learning, and many others went to night school to develop skills and gain knowledge that would eventually help them accumulate enormous wealth. While this takes time and effort, it is an investment in yourself that will forever pay dividends down the road.



See the rest of the story at Business Insider

Google’s newest tool could be especially helpful to start-ups (GOOG)

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Google_Pitch DeckGoogle added a host of slick new templates to its online office suite on Wednesday, but one in particular will be of interest to budding startup founders: the new "pitch" template for Google Slides

Companies looking for their first round of venture capital frequently put together what's called a "pitch deck," or a 10-15 slide presentation that convinces investors to commit money to the project.  

But most companies — especially ones that are successful at raising venture capital — keep their decks secret, leaving first-time founders in the dark as to how to construct one.

So Google worked with fellow Alphabet sibling GV, formerly Google Ventures, to create a template slide deck that is "based on proven presentation tactics."

Perhaps it's just the push founders need to use Google Slides instead of Microsoft PowerPoint or Apple Keynote. 

As it turns out, the Google Slides template is probably a pretty good place to start constructing a slide deck, and it covers all the bases for what an investor would want to see. All the user has to do is replace the "ipsum lorem" placeholder text with their pitch. Founders will need to bring their own charts showing massive user growth and engagement. 

Try it out here.

Here's what the template looks like for a theoretical company called "Acme Tech." Nothing has been changed from the default Google template: 

SEE ALSO: Everything you need to know about Apple's heated battle with the FBI over the locked San Bernardino iPhone







See the rest of the story at Business Insider

These are the best podcasts you should be listening to right now

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TI_Graphics_top podcasts 1

Podcasts have become excellent sources for great storytelling, interviews, and journalism.

From a few minutes to more than an hour, podcasts give content creators a chance to speak directly to their listeners free of distractions, and give listeners a new way to expand their minds during their daily commutes.

We have a lot of podcast nerds at Tech Insider. So we collected our favorite podcasts, which are equally informative and enjoyable, across our four big areas of interest: technology, culture, science, and innovation.

We've included links to each of these podcasts' best episodes, but you can find all of them in iTunes or through your favorite podcast app.



"Codebreaker"

As a co-production of Tech Insider and Marketplace, "Codebreaker" is dear to our hearts in the newsroom. But it's also got some of the smartest storytelling about technology you can find anywhere.

"Codebreaker" moves past newsy takes to ask big questions about technology's impact on our world. The first season began with three simple words: "Is It Evil?" Ben Johnson, the host, asked that question of internet porn, virality online, and even software updates — finding depth and nuance to each topic you probably never knew existed.

Starter episodes: 

"Internet Porn

"The Decisive Machine"



"Reply All"

When I asked Tech Insider's writers and editors to recommend their favorite podcasts beyond "Codebreaker," this was the runaway favorite.

Gimlet media's "Reply All" calls itself a "show about the internet." But that doesn't begin to sum up what hosts PJ Vogt and Alex Goldman explore each episode.

In the past they've tackled ISIS's internet presence and LSD microdosing, solved the mystery behind hundreds of people showing up at an Atlanta house looking for their lost phones, and told the beautiful, tragic story behind a video game about losing a child.

Their best work yet came in their most recent episode. They revealed that "pizza rat" and "selfie rat" may in fact be the first shots fired in a barrage of hoax viral content from a disinformation artist named Zardulu. And that story's even weirder than you think.

Starter episodes:

"Zardulu"

"In the Desert"



See the rest of the story at Business Insider

The rise and fall of energy titan Aubrey McClendon (CHK)

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File photo of former Chief Executive Officer, Chairman, and Co-founder of Chesapeake Energy Corporation Aubrey McClendon in New Orleans, Louisiana March 26, 2012. REUTERS/Sean Gardner

Former Chesapeake Energy CEO Aubrey McClendon has died in a single-car accident.

He was the cofounder of Chesapeake Energy and turned it into the country's second-largest natural-gas producer. McClendon was also a key player in the shale boom that has changed the global-oil markets over the last decade.

Business Insider took a closer look at the career McClendon built.

Editor's Note: Former Business Insider writer Rob Wile contributed to an earlier version of this feature.

Aubrey Kerr McClendon was born on July 14, 1959, in Oklahoma City.

Source: FoundationOKCPS



He came from a prominent Oklahoma family. His great-uncle, Robert Kerr, was the state's 12th governor.

Source: Forbes



McClendon was voted class president and was the valedictorian of the Heritage Hall school in Oklahoma City.

Source: FoundationOKCPS



See the rest of the story at Business Insider

Photos take us inside ISIS' underground lair

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isis tunnel

Despite continuous US-led coalition airstrikes and on the ground offenses by Kurds, Shiite militias, and the Iraqi government, ISIS has proven remarkably resilient at holding territory. 

In large part, this is due to the militant's habit of digging tunnels throughout territory that they control. These warrens allow ISIS to take shelter against airstrikes while allowing the group to move at least somewhat freely throughout territory they control. 

Such tunnel systems have been found across Iraq in territory that ISIS once held before being pushed out. Below are photos from one of ISIS's underground lairs in Sinjar, Iraq.

SEE ALSO: Surreal photos of Marine night operations that look straight out of a video game

A member of the Kurdish Peshmerga forces inspects a tunnel used by Islamic State militants in the town of Sinjar.



The tunnels connected houses throughout the town, allowing ISIS fighters to move freely and avoid airstrikes.



Building tunnels is one of ISIS's first goals after taking over new territory.



See the rest of the story at Business Insider

10 new games you should know about in March

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Every month, dozens of games are released. Who can keep up? Probably not you, what with your hot yoga and cold brew coffee-making classes. So we're here to help!

The Legend of Zelda: Twilight Princess HD (Wii U)

These are the games you should know about that are launching in March.

 

"Mortal Kombat XL"

Take 2015's "Mortal Kombat X," add a bunch of new characters (a whopping eight), some new environments to fight in, and a bunch of new outfits for characters that were already in the game, and you've got "Mortal Kombat XL." It's a re-release aimed at reinvigorating the nearly one-year-old game, and it's a steal at $60 — the same price you would've once paid for the original game without all the new stuff!

Release date: March 1

Platforms: Xbox One, PlayStation 4



"Heavy Rain"

In "Heavy Rain," things are not what they seem. But rather than putting up with whatever the game throws at you, you can manipulate its narrative to your own whims. Your actions have meaning in the overall story, so think each move through carefully. From the critically-acclaimed French development studio Quantic Dream comes "Heavy Rain," a story of your own making told through the medium of video games.

Release date: March 1

Platform: PlayStation 4



"Screencheat"

Ever play a game like "Halo" or "GoldenEye 007" on a single TV with friends? Ever catch them figuring out where you are by looking at your section of screen? Those jerks! In "Screencheat," however, that's the whole point. Every character is invisible, so the only way to know where your frenemies are is to look at their section of screen and work it out backwards. Sounds rad! (If you're still confused, this trailer explains the concept more thoroughly.)

Release date: March 1

Platforms: Xbox One, PlayStation 4



See the rest of the story at Business Insider

The 3 questions one CEO hopes to hear from everyone he interviews — but hardly ever does

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David Melancon

At the end of most job interviews, the hiring manager will turn the tables and ask, "So, do you have any questions for me?"

Most candidates use this time to learn more about salary and job requirements — but David Melancon, CMO at JUST Capital, a nonprofit that measures corporate performance against the public's definition of "just" business behavior, says there are a few questions that are far more important, but most people fail to ask them.

Here are the three questions he hopes to hear from every job candidate he interviews — but hardly ever does:

SEE ALSO: The 29 smartest questions to ask at the end of every job interview

1. 'What qualities will a person in this role need to be successful in your company culture — as an individual and as a worker?'

"This company's culture is what it is — and it's easy for a company to use their own buzz words to talk about their culture: 'hard charging,' 'hands-on,' 'mission-driven,' 'entrepreneurial,'" Melancon explains. "Often, these words describe the company leaders or refer to aspirations of the company, but they're not always easy to translate directly to every role."

Let's say you're applying to be a administrative assistant — how does "entrepreneurial" apply? Maybe you're going to be an intern in the Human Resources department and an accounting clerk — what does "mission driven" mean to your role?

"By asking about the qualities needed for success, you enable the interviewer to give you specifics that apply to yourself and your role within that culture, rather than the company line about itself," he says.



2. 'What's the company's position on education and development, including student loan reimbursement and tuition assistance?'

You've put a lot of effort and investment into your education and it's possible — especially if this is an entry-level job — that you may not yet be making a salary commensurate with that, says Melancon.

"Some companies realize that and offer assistance in paying off student loans or assist in furthering your education," he says. "Do they have programs that allow you to continue your education? Understanding the company's point of view on education — past and future — as well as how it implements that POV in benefits is important."



3. 'How does the company keep employees excited, innovative, and motivated?'

Companies have a vested interest in keeping their employees "on top of their game." How does this company do it? "Financial benefits such as profit sharing, merit raises, and spot bonuses can be powerful motivators," says Melancon. "But non-financial benefits such as extra days off, Summer Fridays, free meals, happy hours, and company outings are all culture-driven ways that companies keep employees feeling motivated and excited." 



See the rest of the story at Business Insider

A star Wall Street banker who breaks the mold reveals her 3 pieces of advice for aspiring entrepreneurs

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Carla Harris

When Morgan Stanley's Carla Harris offers up advice, you definitely want to listen.

Harris is the vice chairman for global wealth management and a senior client advisor for Morgan Stanley.

A former mergers and acquisitions and equity capital markets banker, she's landed some major deals over the years, including the initial public offerings of UPS and Martha Stewart Living. In 2013, President Obama appointed her to chair the National Women's Business Council.

Harris recently had the opportunity to give some career advice to a group of entrepreneurs at PowerMoves Miami, an event dedicated to boosting the number of venture-backed, minority-founded startups in America.

"So often, the marketplace is not aware of the diversity of entrepreneurs that are out there with great ideas," Harris told Business Insider.

"So the more that we can elevate the visibility of this kind of entrepreneur talent, the greater the probability that you will get the sophisticated investment dollars flowing in their direction, thereby creating, of course, a multiplier effect. As these companies become more successful, they create more jobs, they create more wealth in the community, and they also inspire even more entrepreneurs."

Harris, who is also an accomplished singer and the author of multiple books, served as a moderator at the PowerMoves Miami event and a judge in a Series A pitch competition.

She was able to share some important advice with the participants, both as a seasoned banker with nearly three decades of experience working in the capital markets, and as a successful woman of color in the business world.

Here's what she said.

SEE ALSO: A 32-year-old CEO who sold her startup for more than $250 million reveals her one piece of advice for aspiring entrepreneurs

Understand the power of relationships.

Harris was always a successful student, and holds an MBA and a degree in economics from Harvard. When she started working in the professional world, she thought she could succeed the same way that she did in school — by keeping her head down and working really hard.

"But you really can't maximize your success in any professional seat without other people's relationships," Harris told Business Insider. "Especially the sponsor relationship, which is the person that behind closed doors will use their capital on your behalf."

She elaborated on that in an interview with Makers

"I don't care how hard you work, I don't care how smart you are. You're going to need somebody else's relationship currency to do well," she said. 

"When you just start out, people care a lot about your analytical and your quantitative skills. But when you get more senior, the conversation becomes about your ability to penetrate client thought, your presence, your relationship-building with clients — and all those things, really, it's somebody's opinion as to whether or not you're good."



Learn to take risks.

Harris said she also wishes she had understood the power of taking risks when she first started at Morgan Stanley.

"Every time you are stepping into a new role or trying to do something different, whether it's getting more responsibility, actually taking on a management challenge, being a leader — you are taking some risk," she told Business Insider.

"And that is quite powerful and a necessity."

When Harris was first starting out on Wall Street, everyone told her not to go into M&A because of the long work weeks and because it was "tough for women," she said in a Makers interview. But she chose to go into M&A banking anyway — and excelled.



Pick the right kinds of mentors.

Harris spoke with entrepreneurs at PowerMoves about how to find mentors — and about what kind of mentors to get.

"You can get people, obviously, that are in your industry," said Harris, who is herself a mentor to young people in finance.

"But more importantly, you want to get a mentor that has gone the path that you've gone."

So, for example, you might be a startup entrepreneur providing a healthcare product, but your mentors don't necessarily need to be in healthcare, too.

Maybe your mentor runs a technology company — but if they're at the Series C stage of funding, they can tell you how they got to that stage and what challenges they overcame. 



See the rest of the story at Business Insider

21 simple household tips that could save you thousands of dollars every year

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happy woman

People will go to extreme measures to save a few bucks here and there, but some of the best money saving hacks are simple, and sitting right under your nose. 

We rounded up 21 household savings tips that aren't time intensive or complicated, but can reap great rewards in the long run.

Try these out if you want to shave down your monthly bills and potentially save thousands of dollars over the course of a year.

Mandi Woodruff contributed to an earlier version of this article.

SEE ALSO: 13 tips to save up to $1,000 in 30 days or less

Unplug your electronics at night and save $100 per year.

The typical American household owns 24 consumer electronics. What people don't realize is they are using electricity even when they're powered off.

US households spend as much as $100 per year powering these electronics.

Simple fix: Plug your devices into power strips and switch them off at once at the end of the day.



Install low-flow water faucets and save up to 60% on your water bill.

Do you really need a faucet with fire hydrant strength flow to do the dishes?

Chances are the answer is no, and by simply replacing your sink faucets with low-flow models, you could cut your water bill by 25% to 60%. Faucet aerators cost around $10 to $20 a piece, which is well worth the investment.

If you want to save even more water and money, you can also install low-flow shower heads for about $20.



Update your light bulbs and save up to 80% on your electricity bill.

Switching out old light bulbs for compact fluorescent could save up to 80% on your electric bill. Yes, they cost a bit more than traditional bulbs — about $15 for a four-pack— but they last three to 25 times longer and use power more efficiently.

Replacing just five of your most frequently used lights with bulbs that have earned the ENERGY STAR certification could save you $75 a year. Check out this guide to choosing an ENERGY STAR bulb to find the right light for your home.



See the rest of the story at Business Insider

Professional wrestlers in Mexico started a soccer team to deal with the stress of work

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Lucha Libre soccer

Some professional wrestlers in Monterrey, Mexico have taken an unusual approach to help relax from the gym, they have started a team together in another popular sport, soccer.

While "Lucha Libre," as it is called in Mexico, is not nearly as popular as professional wrestling in the U.S. and the wrestlers don't make nearly as much as their counterparts in the WWE, there is a loyal cult following to the sport, both in Mexico and in the United States.

Reuters photographer Daniel Becerril recently caught up with the soccer-playing wrestlers.

According to Becerril, the wrestlers formed the team as a way to relax away from the gym.



The wrestlers also wanted to improve on their friendship.



Many of the players wear Lucha Libre masks, a popular accessory among professional wrestlers in Mexico.



See the rest of the story at Business Insider

Apple and the FBI are in the middle of a huge battle that could affect the privacy of millions of people — here's everything that's happened so far (AAPL)

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Tim Cook

The battle between the FBI and Apple over a phone used by one of the San Bernardino shooters is poised to be one of the biggest technology stories for years.

In short, the FBI wants Apple to help it hack a phone it can't access because it has its passcode lock turned on.

The FBI says that Apple is obstructing a critical investigation with national security implications by refusing to build custom software to bypass the phone's passcode. 

Apple says it's unfair that the government can tell companies they have to do something that they don't necessarily want to, and that what the FBI wants endangers all of its customers.

In short, there are big differences in outlook between the two groups, and both have the budget and desire to fight this to the end.

Here's what you need to know about how it all started, and where Apple's battle with the FBI stands today.

SEE ALSO: Over half of Americans think Apple should unlock the San Bernardino shooter's iPhone

September 2014: Apple seriously upgrades the iPhone's encryption systems as part of a software update. Before, parts of iPhone data were encrypted, such as emails and calendar data. But the iOS 8 software update put much more of the interesting data under lock and key, including text messages, photos, and contacts.

Before Apple released iOS 8, it told law enforcement: 

Please note the only categories of user generated active files that can be provided to law enforcement, pursuant to a valid search warrant, are: SMS, photos, videos, contacts, audio recording, and call history. Apple cannot provide: email, calendar entries, or any third-party App data.

After the update, all of that data became locked by a user's passcode. 



September 2014: Almost immediately, law enforcement officials react. FBI Director James Comey and Manhattan District Attorney Cyrus Vance criticize Apple within weeks of the iOS 8 update. Those two officials remain among the most outspoken Apple critics on the topic of encryption.

“There will come a day when it will matter a great deal to the lives of people . . . that we will be able to gain access” to such devices, Comey said just days after Apple turned on its improved iOS security. 

Even then-Attorney General Eric Holder weighed in. “It is fully possible to permit law enforcement to do its job while still adequately protecting personal privacy. When a child is in danger, law enforcement needs to be able to take every legally available step to quickly find and protect the child and to stop those that abuse children. It is worrisome to see companies thwarting our ability to do so,” he said at a conference on child sexual abuse less than a month after Apple turned on full-disk encryption by default. 



October 2014: Google appears as if it will back up Apple and turn on full-disk encryption by default on Android phones, but then it quietly backs away.

Part of the reason why Google can't turn on full-disk encryption is twofold: first, it's up to the actual phone manufacturer whether to turn it on by default, and second, Android updates trickle out to users much more slowly than Apple updates. 



See the rest of the story at Business Insider

These are the 11 things the 'ultra-rich' are spending their money on

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Rich wealthy picnicIf we're still tentatively recovering from a financial crash, the world's wealthiest people didn't get the memo.

The 10th edition of the Knight Frank Wealth Report was released on Wednesday, and it gave an insight into what the Ultra-High-Net-Worth Individuals (UHNWIs) are spending their money on. UHNWIs are defined by having assets of $30m or more.

Real Estate only made up a quarter of UNHWIs spendable wealth, while almost 70% of those asked felt more conscious about displaying their wealth in public.

That hasn't stopped them spending a lot more money on all kinds of things in the last ten years. But what's notable is just how much more they're spending. While the demand for luxury property has stagnated since the crash, the appetite for other commodities and collectibles has grown by a staggering amount.

Check out our list below.

Cars — Yes, wealthy people still really like cars. Knight Frank recorded a 490% growth in the price of automobiles in the 10 years since its last Luxury Index report. Supercars, which can cost over a $1 million in some cases, are popular, but the report said that "eight of the 25 cars ever to have sold for over $10 million at auction went under the hammer in 2015."



Wine — The ultra rich not only enjoy drinking the best wine in the world, they also like to invest in it. The index showed a 241% price jump in wine spending over the last decade. The report notes that many "investment-grade Bordeaux wines have now started to recover from the slump induced by the sharp drop in Chinese demand."



Coins — Collecting coins is rather lucrative as a long term investment strategy as prices for rare pieces have risen 232% in the last 10 years. For example, the first dollar coin ever issued in 1795 by the US government is also the most expensive ever bought. It sold for $7.85 million in 2005.



See the rest of the story at Business Insider

These are the 12 most popular private jet destinations every year

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privatejet2

The rite of passage of the ultra rich is owning a private jet.

Not only is it incredibly luxurious, it is amazingly practical in terms of time and security, especially if your work requires you to attend exclusive events around the world.

Every year, luxury estate agents Knight Frank and high net worth individual research firm Wealth-X release a massive report on everything the world's richest spend their money on, where they go, and what makes them tick.

In the report it also gives some fascinating insight into when and where the world's richest use their private jets and what events trigger these trips.

Davos Switzerland — The World Economic Forum brings together thousands of the most rich and powerful people in the world every January for a conference. So it is only natural that the alpine town is beset with private jets for the duration of the meeting.



The Superbowl, US — The incredibly popular NFL event in February has seen private jet traffic decline between 2012 and 2014. But some 50% of the existing traffic comes from non-US nationals looking to be there for the famous half-time show as well as the actual game.



The Masters Augusta, US — The golfing tournament is a go-to event for the wealthy in Georgia every April. The report says there has been an 18% rise in private jet traffic between 2012 to 2014.



See the rest of the story at Business Insider

This guy makes crazy videos of himself turning donuts in clouds of tire smoke — and he just released a new one

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Screen Shot 2016 03 02 at 10.59.27 AM

Ken Block, noted tire smoke enthusiast and professional rally driver just released the eighth installment of his Gymkhana series, once again outdoing himself.

This time, Block delights Youtubers by covering the city of Dubai in black skidmarks.

Block's Gymkhanna series is an ongoing spectacle of automotive skill and tire smoke.

In his previous video, he tore through downtown LA in a bonkers custom 1965 Mustang called the 'Hoonicorn.'

His video's attract millions of views, and each one includes a handful of jaw-dropping stunts.

A note to readers who enjoy driving in a more linear fashion: to "hoon" is to drive in a manner considered agressive, anti-social, or childish. While Block is undoubtedly a lover of all things speed-related, he is also a professional driver who performs exclusively on closed roads or tracks.

Like Mr. Block, the machine he uses in this video is also an incredible thing, as are all modern rally cars. They accelerate off the line faster than Formula One machines, thanks in large part to wonderful four wheel drive systems and uber tubochargers, and they have hydraulic handbrakes which allow them to, say, do donuts inside a ring of Dubai police supercars.

Mr. Block puts his Ford Fiesta rally car to good use. Check it out.

The man himself: Mr. Ken Block.



After firing his co-driver ...



... Block tears off into the desert ...



See the rest of the story at Business Insider

The 20 cities where Americans work the least

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Southern terminus in Columbia, South Carolina

America is notorious for its work ethic, where overwork and stress become badges of honor.

According to the Organization for Economic Co-operation and Development, Americans logged on average 1,789 hours of work in 2014. That's at least 100 more hours a year than in European countries like the UK, France, Germany, or Denmark.

And when looking at US census data, that number could be higher, since the average working American logs about 39 hours a week.

But working longer hours and having less downtime can take its toll on our health and productivity.

Personal-finance site WalletHub recently analyzed and ranked 116 of the most populated cities based on six metrics related directly or indirectly to work. To read more about the study's methodology, check out the full report here.

Americans living in the following cities generally put in less hours than the average American, spend less time commuting, and have more time to themselves:

SEE ALSO: The 20 cities where Americans work the hardest

DON'T MISS: The 13 best jobs for people who don't want to work a lot

No. 20: Bridgeport, Connecticut

Average hours worked per week: 36.4

Labor-force participation rate: 75.95%

Minutes spent commuting on an average day: 27

Percentage of workers with multiple jobs: 5.90%

Minutes of leisure time spent on an average day: 343.19



No. 19: Madison, Wisconsin

Average hours worked per week: 35.9

Labor-force participation rate: 79.42%

Minutes spent commuting on an average day: 19.4

Percentage of workers with multiple jobs: 6.70%

Minutes of leisure time spent on an average day: 336.73



No. 18: Santa Ana, California

Average hours worked per week: 36.9

Labor-force participation rate: 72.96%

Minutes spent commuting on an average day: 24.7

Percentage of workers with multiple jobs: 4.10%

Minutes of leisure time spent on an average day: 319.65



See the rest of the story at Business Insider

These before-and-after photos show how much teen fashion has changed in the past decade

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Abercrombie 2006

Teen retail has changed a lot in the past decade.

In 2006, teens loved brands like Abercrombie & Fitch, American Eagle & Aeropostale.

There was a distinct teen look — on with logos and brand names.

Now teens opt for simpler looks ... or looks that they can share on Instagram.

See how teen apparel has changed in 10 years.

 

SEE ALSO: An 18-year-old Mormon musician who found fame on Instagram is taking over the fashion world

First, let's go back to the 2000s. Who could forget Abercrombie & Fitch's shirtless models. Note the woman in a semi-compromised position wearing low-rise jeans and a white camisole — a faceless trend.



It was in 2006 that former CEO Mike Jeffries told Salon that Abercrombie was supposed to be for the "cool kids." This, apparently, was a cool kid, wearing the necessary in-style fringed-denim skirt.

Source: Salon



Aeropostale was a mall staple, telling the world that couples who dressed alike (in monochrome outfits completed with denim) stayed together.



See the rest of the story at Business Insider

Stunning images of the massive multinational NATO military exercise in Europe's far north

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cold response 2016

Norway is currently playing host to a massive multi-national NATO exercise that is meant to enhance the military organization's collective response capabilities.  

Hosted in Norway's central region, Cold Response is an annual military exercise. This year, the exercise will be comprised of 15,000 personnel from over ten countries. Some of the countries participating are NATO members Canada, France, and non-NATO country Sweden. 

The US's contribution to Cold Response 2016 include tanks, mobile artillery, and special operations units. 

You can view photos of the exercise below.

SEE ALSO: 19 stunning images of US paratroopers doing what they do best

Cold Response is a Norwegian invitational previously-scheduled exercise that will involve approximately 15,000 troops from 13 NATO and partner countries.



The cold weather exercise is designed to enhance partnerships and collective crisis response capabilities.



The operation is being held in Central Norway.



See the rest of the story at Business Insider

The 13 best big US cities to live in if you want to get rich

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houston skyline

If you want to build a fortune, the biggest, most glamorous cities in the US might not be your best bet — rather than San Francisco and New York City, you may want to consider Houston, Cleveland, or Detroit.

That's what Bankrate found in a new report that ranked the 18 largest US metro areas according to how strong of an environment they provide for making and saving money. To determine the rankings, Bankrate analyzed after-tax savable income; the job market; human capital, indicating available educational opportunities for career advancement; access to financial services; participation in retirement savings plans; and the local housing market in each city.

Read the full methodology here.

We've highlighted the top 13 big cities for building wealth. We also included the median home value in each metro area and the median household income, from the US Census Bureau's 2014 American Community Survey.

SEE ALSO: The most expensive ZIP codes in 15 major US cities

13. San Francisco

Population: 4,594,060

Median home value: $657,300

Median household income: $83,222



12. Seattle

Population: 3,671,478

Median home value$334,700

Median household income: $71,273



11. Boston

Population: 4,732,161

Median home value$373,200

Median household income: $75,667



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Here's the cast that will lead the all-female 'Ghostbusters' movie

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ghostbusters

They ain't afraid of no ghosts! The all-woman remake of '80s classic "Ghostbusters" recently re-launched its official site with new photos, info, and the first official trailer. 

The summer movie is a reboot, not a sequel, and stars a brand new squad of Ghostbusters making their debut.

Director Paul Feig recently talked to Empire about the connection between the reboot and original films saying, “We’re not recreating the old movie but we want to do just enough fun nods that the fans will go, ‘Oh, okay, they’re acknowledging that the other movie existed.’”

The brand new trailer revealed a bit more about the ghostbusting team's personalities, a surprise cameo from the original films, and a chilling look at a few new baddies, like a freakishly long-legged skeleton version of Uncle Sam and a possessed Melissa McCarthy. 

Keep reading to see who will be part of the new Ghostbusting team.

Abby Yates (Melissa McCarthy) is described as a paranormal researcher, supernatural scientist, and entity trapper.

Abby Yates co-authored a book with Erin Gilbert (Kristen Wiig) about ghosts being real. While Erin left to pursue academia, Abby continued to research ghosts with her new partner. When ghosts invade and threathen New York, however, the two reunite to fight them. 

 



Jillian Hotlzmann (Kate McKinnon) is a "nuclear engineer, munitions expert, and proton wrangler."

Jillian Hotlzmann is Abby Yates' (Melissa McCarthy) new partner. When her original partner, Erin Gilbert (Kristin Wiig), left supernatural research to pursue traditional academia, Hotlzmann joined with Abby. The three women team up together to fight crime as ghosts cross over into our world and try to take over. 



Patty Tolan (Leslie Jones) is a ghost tracker, municipal historian, and metaphysical commando.

Patty Tolan is the rookie member of the team. She doesn't have a background in the supernatural, but her character is a subway worker with extensive knowledge of New York City and its history. Feig underscored the importance of staying in New York City for the reboot, so it's likely her insight will make her a hugely valuable member of the team. 



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7 innovators who had their ashes turned into their obsessions

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Tupac Shakur 2pac Rapper

Cremation's biggest selling point has to be its versatility.

Sure, it's better for the environment than burials and loads cheaper, but no other form of post-death care lets people give their families a cherished memento or shapeshift into their favorite things.

Maybe it's a children's toy or a line of cocaine cut with a father's remains.

Ashes can end up in some pretty strange places.

Renato Bialetti, coffee pot entrepreneur

You might not know the name, but you've almost definitely seen the design.

Renato Bialetti helped popularize the eight-sided Moka pot his father invented in 1933 but which initially flopped.

Bialetti recently died at 93 years old, with a final wish that his ashes be buried in the same pot he helped revive.



Walter Morrison, Frisbee inventor

Why mourn your father's death when you could just toss him around post-mortem?

When Walter Morrison died in 2010, his family cremated him and turned him into the very toy Morrison invented in 1955, then under the name Pluto Platter.

It would later become one of the most successful toys of all-time under the new name adopted by Wham-O: the Frisbee. 



Fred Baur, Pringles can innovator

Fred Baur didn't invent the Pringle, but he did have the ingenious idea to stack them.

Baur came up with the idea while working at Procter & Gamble in the 1960s. He was an organic chemist and food storage technician (awesome title), and he loved his insight into chip stacking so much that he requested his ashes be stored inside a Pringles can when it came time.

In 2008, when Baur died at the age of 89, his family split the remains between a traditional urn and the late inventor's greatest creation.



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