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25 pictures that take you inside the luxurious mansions of the super rich

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Charleston mansions along water

We've given you a glimpse into the fabulous lives of the super rich— and noted some of the outrageous things they can buy with their billions — but perhaps more representative of their extravagant lives are their lavish homes.

Thanks to CNBC's show "Secret Lives of the Super Rich," which returns on March 30, anyone can take a peak behind the closed doors of the richest of the rich.

We sorted through CNBC's Instagram account, @cnbcsuperrich, and gathered pictures of some of the poshest homes out there.

Dare to dream!

SEE ALSO: The 15 countries with the most billionaires

Their penthouses look like something from the future.

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There's no need to travel to the real Arc de Triomphe when your patio looks like this.

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If the infinity pool or jacuzzi get boring, the Atlantic is just a few strides away.

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See the rest of the story at Business Insider

The toughest billion-dollar startups to work for, according to employees

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Man Stressed on Phone

Working for a billion-dollar "unicorn" startup isn't necessarily a ticket to easy street — funding has gotten a lot tighter in the last six months and employees at some big startups are feeling the strain.

Business Insider turned to Glassdoor to find out what employees are saying about some of the biggest startups in the world.

We sifted through employee ratings of the more than 120 companies listed on Crunchbase's Unicorn LeaderBoard to find companies with at least 30 employee reviews for the past two years. 80 billion-dollar startups met this criteria.

We then looked for the companies that rated below the overall average company rating on the site (3.3) and the average rating of our unicorn list (3.8).

Here are the 15 companies on the list that rated a less than a 3.3.

SEE ALSO: The 20 best unicorn startups to work for, according to their employees

SEE ALSO: 40 tech skills that will land you a $120,000-plus salary

No. 15: Olacabs, 3.1

Olacabs valuation: $5 billion as of November 2015

Headquarters: Mumbai, India

Rating: 3.1 out of 5

Olacabs is a popular taxi-calling/payment app in India.

An employee review from February 26 says, "If you are not working for 10 hours a day you are looked down upon." 



No. 14: One97 Communications, 3.1

One97 Communications valuation: $2 billion as of January 2015

Headquarters: Noida, India

Rating: 3.1 out of 5

One97 Communications is the company that operates Paytm, one of India's largest mobile shopping and payments service/mobile wallet providers.

An employee review from February 17 says, "Low conpensation."

 

 



No. 13: Tango, 3.1

Tango valuation: $1.1 billion as of March 2014

Headquarters: Mountain View, CA

Rating: 3.1 out of 5

Tango is a free app that let's you make video calls, text and chat with other Tango users.

An employee review from February 15 says, "Good performers get laid off regularly. In 1 year had 2 major layoffs. Shares are worthless."



See the rest of the story at Business Insider

10 incredible innovations in the driverless Nissan IDS

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Nissan showed of its IDS Concept car the Geneva Motor Show, and it's full of futuristic features.

Nissan IDS concept

For starters, the car is both autonomous and electric. But it also comes with some sweet innovations that allow the interior of the car to change when driving in autonomous mode. We first saw it at the Tokyo Motor Show in October, but it made its European debut at the Geneva show.

Here's a look at 10 incredible innovations in the car:

The concept car highlights Nissan's vision for its driverless cars. The automaker plans on having its driverless technology ready by 2020.



When a driver elects to have the car run autonomously, its steering wheel folds into the dashboard and is replaced by a digital screen.

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The touch screen can be used to watch TV or even take selfies of people driving in the car.



See the rest of the story at Business Insider

I went from living in my parents' basement to earning $1 million — here are the 10 habits that helped me do it

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parking garage basement 2

I remember sitting in a cold and dusty basement, searching for the habits that could change my life.

Being 21 years old, I was ready to take my life to the next level, but I felt stuck for three reasons: I lived at my parents' house, I had an $8-per-hour job, and I was enrolled in a never-ending MBA program. Deep down inside, I knew I had to escape. However, I wasn't going to run away from myself, which was something I always did.

This time, I was determined to make a change and I was deeply inspired to become successful, but I didn't know what to do or where to start. However, I firmly believed that if I changed my habits, my habits would change me. Instead of fooling around with miscellaneous activities, like sports and television, I decided to take up new habits, like reading books and giving speeches.

These habits led to a succession of positive results. Professionally, I became more competent. Personally, I became more confident. This realization that competence breeds confidence was the pivotal point that changed my life. It enabled me to reach the acme of success I now encounter, allowing me to create wealth and inspiration for millions of people.

Moreover, it came at a great sacrifice. These habits that I created were the anchors that made me who I am today. Therefore, here are the 10 powerful habits that will make you a millionaire:

SEE ALSO: I became a millionaire at 24 — here are the 10 best pieces
 of advice I can give you about money

1. Simplify your words.

How well do you spread your message? Millionaires know how to share their message in simplest terms. They use their words with precision and possess deep meaning in what they say. Personally, I peruse the dictionary every day, but I would never attempt to use every word I know. By speaking pompously, many people exterminate their opportunities. In short, never drown people in the sea of verbosity. 

To learn to speak with ease, join your local Toastmasters club to brush up on your communication skills. Unfortunately, too many people get lazy with their communication and subtly conform to the habits of others. However, millionaires diligently work on how to improve what they say and seamlessly find easier ways to say it, whether it's verbally or written.



2. Abandon the old.

Before you are able to face the new, you must relinquish the old. If you want a new car or house, then bless the old one and search for the new. When you want to achieve a positive mindset, you must get rid of the negative one first. To abandon your negative habits, you must replace them with positive ones.

I realized this great habit one day as I was feasting on a couple cheap burgers at McDonald's. With great disgust, I ventured out to find the finest steak houses in the area to seek new and delectable experience with my meals. Instead of indulging in $1 burgers several times a week, I was happier to splurge my money on a robust $100 steak once or twice per month. 

We are what we repeatedly do. Therefore, excellence is not an act, but a habit. - Aristotle



3. Set daily goals.

Every day, I set my goals on paper. This is an inspiring habit that I promise to keep for the rest of my life. Whether you're writing your financial projections, planning your weekly tasks, or scheming new ways to build your empire, you'll want to procure a daily goal-setting habit that will give you momentum on a daily basis.

When you set your goals every day, it allows you to prioritize and keep "first things first." Prioritization is doing first what matters most. Instead of pursuing $100 actions, this habit will promote you to embody $1,000 activities. Once you accumulate more profitable activities in your day, you'll add money to the bank, making you a millionaire in the process. 



See the rest of the story at Business Insider

What the military of the future will look like, from hypervelocity weapons to self-driving boats

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military

The Pentagon may win the next war because of cutting edge technology.

From using deep learning to strategize wars before they even begin to outfitting self-driving vehicles to move without human control, the US military is trying to master a number of exciting technologies. Some, like artificially-intelligent "killer robots" bring up ethical dilemmas.

The Brookings Institution recently interviewed Air Force Gen. Paul Selva, the vice chairman of the Joint Chiefs of Staff, and asked him about the trending technology of the military and what the force of the future might look like.

SEE ALSO: 11 photos of America's fighter jets breaking the sound barrier

Both corporations and the military are pursuing deep learning, which uses computing power and tons of data to help with decision-making.



In a military context, mastering deep learning could help the Pentagon run an entire war in the digital realm — before any shots are fired. Instead of war-gaming between generals, computers can help predict what the best way to win might be.

Source: Foreign Policy



Deep learning goes hand-in-hand with artificial intelligence (AI), which could make the US military much more lethal — but there are serious ethical considerations.



See the rest of the story at Business Insider

5 'House of Cards' plot lines that seemed ripped from the presidential election

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house of cards

Over the first three seasons, "House of Cards" gave viewers a scary look into what a politician who believes himself above the law is capable of. 

Never before, though, has it portrayed a major election while streaming during an actual one. In this context, the show's seemingly fantastical plots seem to have predicted or come into close proximity of actual events that have occurred during Election 2016.

On season four, we find Frank Underwood (Kevin Spacey) just after his wife Claire (Robin Wright) has declared her independence from him and their marriage. His term as president — which came by succession, and not from actually being elected — is coming to an end and the primary campaigning has begun. With formidable candidates nipping at his heels, old transgressions bubbling back to the surface, and plenty of enemies, Underwood will have to dig deep into his playbook to win this one.

Along the campaign trail, the Netflix drama portrays several story lines reminded us of actual events in the current presidential election.

Here are five ways the Netflix drama's plots seemed ripped from Election 2016:

Warning: Season four spoilers ahead!

SEE ALSO: The 10 most shocking 'House of Cards' moments, ranked

SEE ALSO: 'House of Cards' creator thinks Hillary Clinton is closest to a real life Claire Underwood

A First Lady who dreams of ascending to elected office.

"House of Cards": Claire Underwood has been in the shadow of her husband for three decades and countless election campaigns. Not only has she learned the game of politics along the way, she has helped Frank through both emotional support and strategy. The appointed position with the United Nations was a good way to get her feet wet, but she yearns for the real power of elected office.

Election 2016: Similarly, Hillary Clinton had stood by her husband, Bill Clinton, through both successful and embarrassing moments during his presidency. Since then, she lost to Barack Obama for president and then accepted his appointment of her as secretary of state. But she's still hungry for the presidential office, and some believe she'll say and do anything to get it.



A presidential candidate whose party is against them.

"House of Cards": Frank Underwood has crossed a lot of people in the Democratic party as he climbed his way to the presidential office. And now that he's trying to become their president, many are turning their back on him.

Election 2016: The novelty of Donald Trump has worn off for pretty much everyone. But specifically, the Republican party has been clear that it'd prefer someone else for the job of president.



A call for email transparency.

"House of Cards": In a bid to create trust among voters, Republican presidential candidate Will Conway gives the public all-access to his phone, emails, videos, and photos.

Election 2016: Conway's transparency could be a good lesson for Hillary Clinton. She is continuing to be investigated in what's being called "#emailgate," after it was discovered that she used a private phone and server for emails while she was Secretary of State, a breach of national security protocol. She was ordered to turn over the emails held on the private server. Many wondered if the controversy would end her presidential aspirations.



See the rest of the story at Business Insider

11 of the weirdest breakfast cereals throughout history

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pee wee

March 7 is National Cereal Day. It's a time to celebrate the the American invention of our most glorious breakfast food.

As noted by The New York Times, James Caleb Jackson, a man who managed a medical facility in New York, created the first cereal as a digestive aid in 1863. The dried graham flour dough was apparently so hard that it needed to be soaked in milk overnight.

To honor Jackson's invention and the holiday, we've rounded up the strangest cereals to ever exist. All are sadly defunct and hard to find today.

Check out a few favorites below, many of which were endorsed by unlikely mascots, ranging from Mr. T to a hat-wearing banana-man. 

Kelloggs' OKs.

This OK-tasting cereal featured muscular characters who wanted to fist-bump on every box.

Flavors and different shapes were added, and the name changed to Fruit Loops in 1962, three years after its release. It then became defunct and still isn't available anywhere online.

Source: Oola



Kellogg's Corn Flakes with Instant Bananas.

Introduced in 1965, this cereal featured freeze-dried bananas. 

A talking banana mascot named Pronto proclaimed "Just add milk... presto! Real tasty banana slices" in the TV ads. It was apparently pretty unappetizing (the bananas turned brown in milk), and it was discontinued in 1966.

Source: Mr. Breakfast



Post's Sugar Krinkles.

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Staring at Sugar Krinkles' nightmarish box is one way to start off the day, which featured a scary clown as its mascot.

The cereal was introduced in 1969 and discontinued a year later.

Source: Cracked



See the rest of the story at Business Insider

I spent a week eating vegetarian fast-food from all the major chains — and it was absolutely terrible

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Kate saladAs someone who loves both meat and chain restaurants, I was only partially prepared when I adopted a 100% fast-food diet, with no meat allowed.

After spending a week trying to eat healthy while consuming nothing but fast food, I figured that going vegetarian for five days would be a breeze. I already knew fast-food menus like the back of my hand, and had plenty of vegetarian friends I could consult.

Plus, a growing percentage of the American population has already gone vegetarian. While approximately 3% of the US identifies as vegetarian or vegan, an increasing number are cutting meat from their diet. Between 26% and 41% of Americans report that they cut down on the amount of meat they ate in the past year.

If fast-food chains want to compete with the new wave of trendy fast casuals, they need to appeal to the vegetarian market — including people who want to decrease the amount of meat they eat without cutting it completely from their diet.

So, I became a short-term vegetarian to see which fast-food chains are evolving to meet the meatless needs of consumers.

My first and most important rule was that I could eat only at fast-food chains. (I would consume at least three meals a day.)

That means no notoriously veggie-friendly fast casuals like Sweetgreen or Chipotle.

My orders would be 100% vegetarian, so no burgers or chicken fingers. I would not, however, be going vegan, so I could still eat things like eggs and cheese.

The challenge would last for one work week, from Monday to Friday.



I kicked off the week with the biggest name in fast food: McDonald's.

McDonald's has an extensive breakfast menu with a lot of range when it comes to health and meatiness. I ordered an ice coffee and a fruit-and-maple oatmeal. 

McDonald's oatmeal was certainly more flavorful than my typical morning bowl, packed with apples, cranberries and (according to McDonald's) two types of raisins. It was also sweeter than I'm used to, with 32 grams of sugar — more than half of the daily recommended dosage. Clearly, vegetarian does not necessarily mean nutritious. 



For lunch, I visited a chain highly recommended by vegetarian friends: Taco Bell.

Taco Bell is the only national fast-food chain to have a menu certified by the American Vegetarian Association. Even before the chain rolled out the certified menu last October, Taco Bell had plenty of vegetarian cred thanks to the ease with which customers can substitute beans and rice for meat in most menu offerings. 

"Vegetarian has been really big for us recently,” due to its relevance to millennials, Taco Bell’s dietitian and product developer Missy Nelson told Business Insider. 

Looking at Taco Bell's menu, it's clear there is plenty to choose from. I decided on a bean burrito and a spicy potato soft taco. The burrito was straightforward but tasty, while the soft taco packed a bit of heat into the potatoes — two solid options I'd order again. 



See the rest of the story at Business Insider

Here's the salary you have to earn to buy a home in 19 major US cities

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boston back bay

In the market for a home? Mortgage site HSH.com has updated its estimate of how much annual income a household would need to buy a home in major metropolitan areas in the US, according to fourth-quarter 2015 data.

Thanks to lower mortgage rates and home prices, houses were more affordable in nearly every metro area measured than they had been in the previous quarter. The National Association of Realtors told HSH.com that it doesn't expect this trend to continue. The site also calculated how it would change the salary needed to buy a home if a buyer were to put 10% down instead of the recommended 20%. No matter where you are, it's more expensive — you can visit HSH.com to see both numbers.

The site looked at median home prices from the National Association of Realtors. It took into account interest rates for common 30-year fixed-rate mortgages and property taxes and insurance costs to figure out how much money it would take to pay a median-priced home's mortgage, taxes, and insurance in each city, and how much you'd have to earn to afford it. Salaries listed are rounded to the nearest $500.

SEE ALSO: Here's how much you need to earn to live comfortably in 15 major US cities while still saving money

19. San Antonio

Population: 1,409,000

Median Home Price: $192,100

Monthly Mortgage Payment: $1,096

Salary Needed to Buy: $46,000



18. Orlando

Population: 255,483

Median Home Price: $205,000

Monthly Mortgage Payment: $1,115

Salary Needed to Buy: $48,000



17. Minneapolis

Population: 407,207

Median Home Price: $223,700

Monthly Mortgage Payment: $1,172

Salary Needed to Buy: $50,500



See the rest of the story at Business Insider

North Korea's weak auto industry just received another blow

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Pyeonghwa Motors Junma

A new round of sanctions recently passed by Congress could deal another blow to North Korean carmakers.

The sanctions target industries and individuals outside of North Korea engaging in business there, restricting them from making transactions with American banks or from doing business on American soil.

They are a response to a January nuclear test detected within the country and what state-run media outlets called a satellite launch, but outsiders have labeled cover for a long-range missile test. 

The sanctions will likely affect Chinese companies that supply North Korean carmakers with over 90% of their parts, Automotive News reported.

North Korea is a strange place. Along with food shortages, alleged human rights abuses, and massive economic disparity between it and its estranged sibling South Korea, the North Korean car industry is meager.

North Korean vehicle production has increased to about 10,000 units a year, putting the total number of vehicles on the road in the country of 30 million people to around 1 million, Automotive News also reported.

By comparison, South Korea has over 20 million cars on the road, and in 2015 produced 4.1 million cars, many of which compete in car markets around the world. The latest brand, Hyundai offshoot Genesis, hopes to do battle in the packed luxury vehicle market along with the likes of BMW and Mercedes.

Here are some fine examples from Pyeonghwa Motors, one of North Koreas two car companies. Their slogan: "Go to the World with United Power!"

Go, indeed.

SEE ALSO: Tesla has one huge advantage over every other car company

The Zunma bears a distinct similarity to a 1997 mercedes e320, along with the headlights of a 2004 Ford Scorpio.



The Ppoggugi II has some 2005 Ford Escape with a side of late-1990s Suzuki SUV.



Fiat Panda?



See the rest of the story at Business Insider

This startup delivers ugly produce to your door — and now it's teaming up with Whole Foods

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Pity the ugly vegetable. Over 6 billion pounds of fresh produce are left unharvested or unsold every year, and much of it is wasted for a ridiculous reason: the produce is blemished.

In this case, "blemished" does not mean bruised or otherwise unfit for eating. It's just a word for fruits and vegetables that are a little to small, big, curvy, or funny-looking. As a result, they're often kept out of grocery stores and food service deliveries — and tossed in the landfill.

A startup called Imperfect is trying to change the common perception of ugly produce by delivering it to your door. The service, which launched fruit and veggie box deliveries in the San Francisco Bay Area in 2015, charges about half of what you'd pay for comparable produce at the grocery store. 

Don't want delivery? This week, Imperfect announced that it's teaming up with a handful of Whole Foods supermarkets in Northern California for a pilot project selling ugly fruits and veggies.

As you can see from these photos of Imperfect's "too ugly" produce, the fruits and veggies aren't even that bad looking — they're just being held up to unreasonable beauty standards.

This is my personal box of Imperfect produce. As you can see, nothing looks immediately "off" about the items.



Separated out in the Imperfect warehouse, the so-called blemishes on the company's fruits and veggies become more clear. According to Imperfect, these peppers were kept out of stores due to their "smushed faces, extra appendages, and wrinkles."



These Pink Lady apples were rejected because they're smaller than the required minimum diameter of 2 inches.



See the rest of the story at Business Insider

The incredible life of Melinda Gates — one of the world's richest and most powerful women

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Melinda Gates

Melinda Gates is best known as Bill's other half. Some may even say she's his better half.

Melinda — who shares an estimated fortune of $89.4 billion with her husband — has become one of the most powerful female philanthropists in the world as co-chair of the Bill and Melinda Gates Foundation, which she helmed virtually on her own for the first six years of operation.

In addition to the pair's education and healthcare initiatives, Melinda takes a personal interest in women's issues around the world. At the forefront of her agenda is expanding the availability of contraception and, most recently,bringing awareness to the concept of time poverty — the notion that hours of daily unpaid work like household chores end up "robbing women of their potential."

"When you invest in women, you invest in the people who invest in everybody else,"she wrote in a Fortune article last year outlining the benefits of hiring women in business. "And if you gradually start to take action, it won’t be long before you realize that investing in women is good for your mind, good for your soul, and good for your business."

On International Women's Day, a celebration of women's progress and achievements, here's a look at the incredible force that is Melinda Gates.

SEE ALSO: Melinda Gates reveals the best way for cash-strapped 20-somethings to make a big impact in philanthropy

DON'T MISS: The Bill Gates Interview

Melinda Gates (neè French) grew up in Dallas, Texas, with her parents — a stay-at-home mother and an aerospace-engineer father — and her three siblings. The family belonged to the local Roman Catholic parish.

Source: Telegraph



The Frenches were intent on sending all four of their children to college, so Melinda's father started a side business for rental properties. "We would help him run the business and keep the books," she said. "We saw money coming in and money going out."

Source: Fortune



Melinda was valedictorian and head of the drill team at her high school, Ursuline Academy of Dallas. In 2007, the Gates Foundation donated $7 million to Ursuline for the construction of The French Family Science, Math, and Technology Center — a 70,000 sq. ft. LEED Gold certified laboratory and classroom building.

Source: Ursuline Dallas, Marie Claire



See the rest of the story at Business Insider

Whitney Tilson is shorting Lumber Liquidators again — here's his full presentation (LL)

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Whitney Tilson

Hedge fund manager Whitney Tilson, the founder of Kase Capital, is shorting specialty flooring retailer Lumber Liquidators again.

He spoke at the 2016 Harbor Investment Conference at the AXA Equitable Building in Midtown Manhattan on Tuesday.

Lumber Liquidators' stock fell more than 9%.

Tilson covered his short back in December but is back betting against the company.

"It was a good cover then, it's a great short now," Tilson said. 

He had been betting against the stock since 2013. The company came under pressure last year following a "60 Minutes" investigation that found the company was selling laminate flooring from China with levels of formaldehyde that's higher than what's permitted under California law. High levels of formaldehyde have a number of health concerns. Tilson was also interviewed in the "60 Minutes" segment.

Tilson said there's new information that has come to light making it a worthwhile short once more. He believes that the cancer risk is greatly higher than the CDC's revised assessment that came out last month.

He also believes there's a 50% chance that Lumber Liquidators goes bankrupt.

He's publicly posted his short thesis on his website. We've included the slides below.







See the rest of the story at Business Insider

There's a small island in Mexico that's inhabited by creepy decaying dolls

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island of dolls mexico

A few miles from the heart of Mexico City lies La Isla de las Muñecas, the Island of Dolls, where thousands of dolls hang from the trees. 

The island, located in the Xochimilco canals outside of Mexico's capital, is truly the stuff of pure terror.

According to local legend, the island's caretaker Don Julian Santana moved to the island in the 1950s after abandoning his family. It was in the canals outside of the island that he found the dead body of a drowned girl and her doll. 

Convinced that her spirit haunted the island, Santana hung abandoned dolls he found throughout the canals as a way to appease the dead girl's soul. The dolls, strung up in the deteriorated condition that Santana found them in, continue to hold a silent vigil on trees and buildings throughout the island. 

Come along to La Isla de las Muñecas: 

SEE ALSO: Here are the powerful Mexican drug cartels that operate in the US

In the 1950s, Don Julian Santana abandoned his family in Mexico City.



He moved to La Isla De Las Muñecas in the Xochimilco canals — at that point a normal, though uninhabited, island a little over 11 miles from Mexico City's center.



After having moved to the island, Santana found the drowned body of a girl and her doll floating in the canals.



See the rest of the story at Business Insider

The 10 best tiny homes you can rent on Airbnb

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small living

Small living is not for everyone. But if you've always been curious about what it would be like to stay in a tiny home, there's always Airbnb.

Tech Insider asked Airbnb for a round-up of the highest-rated tiny homes on the site that are less than 1,000 square feet.

While some of the homes don't have exact dimensions available, they are all considered "tiny" by Airbnb, have five-star ratings, and are spread out across America.

Best of all? They're cheap.

Keep scrolling to see the best tiny homes you can rent on Airbnb.

This New Orleans home may look tiny on the outside, but inside the 400-square-foot house has a sizable kitchen and bedroom.

The "Charming Shotgun Cottage" rents for $140 a night. See more pictures here.



Known as the “Mushroom Dome Cabin,” this small abode has gorgeous views of the surrounding Redwood trees and the stars at night through the roof's skylight.

The Mushroom Dome rents for $110 a night and $125 on the weekends. See more pictures here.



This rustic-chic home in Portland is 350-square-feet and even premiered on the TV show “Tiny House Nation.”

You can stay here for $120 a night. See more pictures of The Rustic Modern Tiny House here.



See the rest of the story at Business Insider

The 11 companies with the most billionaires in the world

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h&m

As of 2016, there are 2,188 billionaires across the world, according to a recent report from Hurun, a Shanghai firm that releases yearly rankings and research about the world's richest people.

It turns out that some companies have a higher concentration of the richest of the rich than others. Of course, some of these companies are run by powerful families that have multiple billionaires in their clan, but others are not.

Read on to see the 11 companies with the most billionaires:

SEE ALSO: The 20 youngest self-made billionaires in the world

Facebook

Headquarters: Menlo Park, California

Number of employees: 12,700

Number of billionaires: 5

The social-networking service and website was cofounded in 2004 by current CEO Mark Zuckerberg, Dustin Moskovitz, Eduardo SaverinAndrew McCollum, and Chris Hughes.

In 2015, Facebook generated $12.5 billion in annual sales. It also topped Business Insider's 2015 list of the 50 best companies to work for in America.



Estée Lauder

Headquarters: New York City, New York

Number of employees: 44,000

Number of billionaires: 5

Estée Lauder, which manufactures and markets skin-care, makeup, fragrance, and hair-care products, was cofounded by the husband-wife team of Estée Lauder and Joseph Lauder in 1946.

Today, the Lauder family controls 77% of the company's voting power and has an estimated net worth of $16.5 billion.



Hennes & Mauritz

Headquarters: Stockholm, Sweden

Number of employees: 93,351

Number of billionaires: 5

H&M, the popular clothing and accessories company, was founded in 1947 by Erling Persson. His son, Stefan Persson, took over as CEO for 16 years, until 1998.

Today, Stefan owns a 28% stake and serves as chairman, while his son, Karl-Johan, serves as CEO.



See the rest of the story at Business Insider

I was earning $500,000 a year at 30: Here are the 10 best pieces of advice I can give you about money

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businesspeople london bankers

After graduating from college, my career moved quickly up the corporate ladder, including eight years on Wall Street.

I worked at JPMorgan Chase, I was a vice president at Citibank, and then a director at Lord Abbett Investments on the e-marketing and e-commerce side.

Every day a new company was going public, and I lived across the street from the New York Stock Exchange.

Every night before a business day, I would hear them setting up some crazy paraphernalia in the Street. There were giveaways on the Street because there was so much “silly” money. Anything with a dot-com got funded or went public.

For example, Pets.com was launched in 1998. In case you don’t know the story, the Pets.com people spent half of the value of their company on a Super Bowl ad and by 2000 the company was defunct.

I was earning $500,000 a year at age 30, but I felt like I wasn’t making much money because I was in an established industry without big stock options. It was conservative and I was conservative. It didn’t fulfill me. I felt like I wasn't making a good difference in anyone’s life.

Cary Carbonaro headshotSo I quit that job, moved to Central Florida and started my own financial advisory business. Everyone thought I was crazy. Who walks away from an amazing job like the one I had?

I had to reinvent myself as an entrepreneur. It took me a long time to build my firm, one client at a time, from scratch. I went from $500,000 income a year to almost zero the next. It challenged me personally, professionally and emotionally.

The beautiful side of the hard work is that I have a much better sense of my purpose in the world. I love being a practicing certified financial planner because it equips me to make a difference in my clients' lives. I get to help them make all the right moves with money. It is rewarding to watch them achieve the goals we set out together, and I even wrote a book so I could reach a wider range of the population, from the young to the seniors who might not be able to afford a certified financial planner.

Now here are some of the best pieces of advice I can give you about money.

SEE ALSO: I spent nearly 15 years in banking, and here are my 10 best pieces of advice about money

1. Beware of FREE money

Credit cards are NOT free money. Use them as you would cash, or don’t use them at all. If you use them to stopgap your life, you will never have financial freedom.



2. Simplify budgeting

It’s simple. Know what you have coming in and going out each month. Do you know this? It doesn’t matter if you do it on a napkin or Mint or an app on your phone. This is so simple, yet so important. It is the building block of all financial planning.



3. Know your worth

Assets (what you own) minus liabilities (what you owe) equal net worth. And your net worth does NOT equal your self-worth.

Always remember that.



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Amazing colorized photos show a unique side of World War II

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world war ii color

The 1930s and 1940s were a time of upheaval for the US and the world at large.

Reeling from the start of the Great Depression in 1929, the world soon faced a greater disaster with the start of World War II, which lasted from 1939 to 1945. Although the US did not enter into the war officially until after Pearl Harbor on December 7, 1941, the global war still affected the country.

The following photos, from the US Library of Congress, give us a rare glimpse of life in the US during World War II in color. They show some of the amazing changes that the war helped usher into the US, such as women in the workforce and the widespread adoption of aerial and mechanized warfare.

SEE ALSO: These amazing colorized photographs bring World War I to life

Mrs. Virginia Davis, a riveter in the assembly and repairs department of the naval air base, supervises Chas. Potter, a National Youth Administration trainee from Michigan, at Corpus Christi, Texas. After eight weeks of training, he will go into the civil service.



Answering the nation's need for woman-power, Davis made arrangements for the care of her two children during the day and joined her husband at work at the naval air base in Corpus Christi, Texas.



Jesse Rhodes Waller, AOM, third class, tries out a 30-caliber machine gun he has just installed in a US Navy plane at the base in Corpus Christi, Texas.



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7 of the most badass women who ever lived

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ching shih

For centuries, women all over the world have fought and ruled, written and taught. They’ve done business, explored, revolted and invented. They’ve done everything men have done — and a lot of things they haven’t.

Some of these women we know about. But so many others we don’t. For every Joan of Arc, there’s a Mongolian wrestler princess; for every Mata Hari, there’s a Colombian revolutionary spy; for every Ada Lovelace, there’s a pin-up Austrian telecoms inventor. 

The women who shaped our planet are too many to mention, so here are just a few of the most frankly badass females of all time. 

SEE ALSO: Amazing colorized photos show a unique side of World War II

Khutulun, Mongolian warrior princess

In the 13th century, when khans ruled Central Asia and you couldn’t go 10 minutes without some Genghis, Kublai or Mongke trying to take over your steppe, women were well-versed in badassery. In a society where skill on a horse and with a bow and arrow was more important than brute strength, Mongol women made just as stout herders and warriors as their men.

One woman, however, had the combination of both skill and might. Her name was Khutulun, and she was not only a devastating cavalrywoman but one of the greatest wrestlers the Mongols had ever seen.

Born around 1260 to the ruler of a swathe of what is now western Mongolia and China, she helped her father repel — repeatedly — the invading hordes commanded by the mighty Khublai Khan, who also happened to be her great uncle. Her favorite tactic was to seize an enemy soldier and ride off with him, the explorer Marco Polo recounted, “as deftly as a hawk pounces on a bird.”

Off the battlefield and in the wrestling ring, Khutulun went similarly undefeated. She declared that she wouldn’t marry any man who couldn't beat her in a wrestling match; those who lost would have to give her their prized horses. Suffice it to say, Khutulun had a lot of horses. By the time she was in her 20s and a spinster by Mongol standards, her parents pleaded with her to throw a match with one particularly eligible bachelor.

According to Polo, she initially agreed, but once in the ring found herself unable to break the habit of a lifetime and surrender. She overpowered her suitor who, humiliated, fled; she eventually chose a husband from among her father’s men and married him without submitting him to the evidently impossible challenge to out-wrestle her.

More women who fought: 
Boudica, the original Braveheart. She led her tribe of British Celts in a bloody, and ultimately doomed, rebellion against their Roman occupiers. 

Tomoe Gozen, one of Japan’s few known female warriors, who fought in the 12th century Genpei War. She was described as a peerless swordswoman, horsewoman and archer, with a taste for beheading her enemies.

Mai Bhago, the 18th-century Sikh Joan of Arc. Appalled to see Sikh men desert their Guru in the face of Mughal invaders, she shamed them into returning to battle, defeated the enemy, became the Guru’s bodyguard and later retired to devote herself to meditation.

Maria Bochkareva, a Russian peasant who fought in World War I. She formed the terrifyingly named Women’s Battalion of Death and won several honors, only to be executed by the Bolsheviks in 1920.

Nancy Wake, the New Zealand-born British agent who commanded more than 7,000 resistance fighters during the Nazis’ occupation of France in World War II. She became the Gestapo’s most wanted person, and the Allies’ most decorated servicewoman.  



Nana Asma’u, Nigerian scholar

“Women, a warning. Leave not your homes without good reason. You may go out to get food or to seek education. In Islam, it is a religious duty to seek knowledge,” wrote our second historical lady, Nana Asma’u, who’s proof that the pen is mightier than the sword — and at least as badass.

Born the daughter of a powerful ruler in what is now northern Nigeria, Nana Asma’u (1793-1864) was taught from a young age that god wanted her to learn. And not just her — all women, too. Her father, a Qadiri Sufi who believed that sharing knowledge was every Muslim’s duty, ensured that she studied the classics in Arabic, Latin and Greek.

By the time her education was completed, she could recite the entire Koran and was fluent in four languages. She corresponded with scholars and leaders all over the region. She penned poetry about battles, politics and divine truth. And, when her brother inherited the throne, she became his trusted advisor.

She could have settled for being respected for her learning; but instead, she was determined to pass it on. Nana Asma’u trained a network of women teachers, the jaji, who traveled all over the kingdom to educate women who, in turn, would teach others. (The jajis also got to wear what sounds like a kind of amazing balloon-shaped hat, which marked them out as leaders.)

Their students were known as theyan-taru, or “those who congregate together, the sisterhood.” Even today, almost two centuries later, the modern-day jajis continue to educate women, men and children in Nana Asma’u’s name.  

More women with a cause:
Huda Shaarawi, pioneering Egyptian activist who encouraged women to demonstrate both against British rule and for their own rights. Born in a harem at the end of the 19th century, she shocked 1920s Cairo by tearing off her veil in public. She went on to help found some of the first feminist organizations in the Arab world.

Edith Cavell, English nurse who treated German and British soldiers alike during World War I. Devoted to saving lives, she helped Allied troops escape from occupied Belgium, for which she was charged with treason by the Germans and sentenced to death by firing squad. She died after famously declaring: “Patriotism is not enough.”

Beate Gordon, American who ensured that women’s rights were enshrined in Japan’s constitution when it was rewritten after World War II. She was just 22 at the time, and sick of seeing Japanese women “treated like chattel.” 

Lilian Ngoyi, one among many badass South African women who fought long and hard against apartheid. “Let us be brave,” she told fellow female activists, “we have heard of men shaking in their trousers, but whoever heard of a woman shaking in her skirt?” Confined to her house by banning orders, she died in 1980 without ever seeing the democracy she’d given her liberty for. 



Policarpa Salavarrieta, Colombian revolutionary

La Pola,’ as she was called during her brief life, was by all accounts daring, sharp-tongued and defiant. She fought to free her land, in what is now Colombia, from Spain’s rule — all while pretending to sit in the corner and sew.

She was born sometime around 1790 and grew up amid rebellion, as resistance to the Spanish Empire strengthened across South America. By the time she moved to Bogota circa 1817, she was determined to play her role.

Posing as a humble seamstress and house servant, she would offer her services to Royalist households, where she could gather intelligence and pass it on to the guerrillas; meanwhile, pretending to flirt with soldiers in the Royalist army, she’d urge them to desert and join the rebels. Oh, and she was genuinely sewing the whole time — sewing uniforms for the freedom fighters, that is.

She and her network of helpers (it seems there were several women like her) were eventually discovered. When soldiers came to take her, she kept them engaged in a slanging match while one of her comrades slipped away to burn incriminating letters. She refused to betray the cause and was sentenced to death by firing squad in November 1817.

Dragged into the city’s main square to provide an example for anyone with thoughts of rebellion, she harangued the Spanish soldiers so loudly that orders had to be given for the drums to be beaten louder to drown her out. She refused to kneel and had to be shot leaning against a stool, her final words were reportedly a promise that her death would be avenged. Sure enough, she continued to inspire the revolutionary forces long after her execution.

More women who revolted:
Manuela Saenz
, a contemporary of Salavarrieta, who became the co-revolutionary and lover of Simon Bolivar. Among other things, she helped him escape assassination; he called her the “liberator of the liberator.”

Vera Figner, a member of the 19th-century Russian middle-class who abandoned her social circle to train as a doctor abroad. She returned at the time of the revolution against the tsar and helped plot his assassination, before being betrayed, arrested, imprisoned and exiled. 

The Mirabal sisters, four siblings — Patria, Dede, Minerva and Maria Teresa — from the Dominican Republic who opposed dictator Rafael Trujillo throughout the 1950s. All except Dede were murdered by his henchmen in November 1960. 



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These car keys are so ridiculously high-tech you won't even recognize them (TSLA)

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bmw i8 key

Car keys are an important symbol of car ownership and freedom. 

Some companies stick to basics with switchblade-style key fobs, but some others truly go all out. 

These eight keys are like none other.

BMW's futuristic-looking intelligent key fob can do quite a bit more than open doors.

The fob uses a 2.2" touchscreen to show you whether the car doors are locked or unlocked, vehicle service information, pre-conditioning a/c settings, as well as electric drive range information. 

Pretty handy. 



The Jaguar F-Pace Activity Key is the key to have if you hate using keys.

With the F-Pace's Activity Key, by holding your wrist up to the Jaguar badge on the rear of the car, you can lock or unlock the vehicle. And it's waterproof! 

The Activity Key is available as a $400 option. 



Volvo no-key car keys.

If you're lucky enough to be visiting Sweden's Gothenburg Airport and you're renting a car from Volvo's Sunfleet car sharing program, you might be given a completely keyless car.

This new technology pairs cars and phones using Bluetooth technology and a uniquely designed smartphone app.

At the moment, the program is just in testing, but it could be implemented more widely in 2017. 



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