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These are the watches worn by Wall Street’s most powerful men

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soros patek aquanaut

Masters of the Universe value one piece of jewelry above all else — a watch.

They're collectible, gorgeous and at times incredibly expensive pieces that can be handed down from generation to generation

Exactly the type of thing a titan of any industry would want.

We've put together a list and commentary about the wristwatches worn by some of Wall Street's most public executives. 

As expected, a couple of the watches are flashy. A few of them are really, really cheap by Wall Street standards. And one prominent banker doesn't even wear a watch. Ever. 

(If you know of the type of timepiece that an executive at your firm wears, feel free to send the tip to jlaroche@businessinsider.com)

 

 

Warren Buffett, Berkshire Hathaway

Buffett, the "Oracle of Omaha,"wears a gold Rolex Day-Date



T. Boone Pickens, BP Capital

Oil magnate T. Boone Pickens also wears a yellow gold Rolex Day-Date that he purchased in 1964. 



Lloyd Blankfein, Goldman Sachs CEO

Goldman Sachs CEO Lloyd Blankfein rocks a Swatch with what appears to be a clear plastic band. Swatch's tend to range between $50 to $245. It's also not exactly the sort of timepiece you'd expect a chief executive of a Wall Street investment bank to wear. Then again, Goldman is "the most hipster" bank on Wall Street.  



See the rest of the story at Business Insider

The 19 most miserable countries in the world

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Protestors attacking police officer in Burundi

The latest findings of the World Happiness Report, an annual survey that assesses the state of global wellbeing, have been released ahead of the United Nations' International Happiness Day on March 20.

To determine its results, the report gauged the happiness levels of thousands of individuals from 156 nations from their responses to the Gallup World Poll.

Countries were ranked according to six key criteria: GDP per capita, social support, life expectancy, freedom to make life choices, generosity, and freedom from corruption.

The report also considered happiness inequality, to see how happiness levels varied between people from the same countries.

"The reports review the state of happiness in the world today and show how the new science of happiness explains personal and national variations in happiness,"the report reads. "They reflect a new worldwide demand for more attention to happiness as a criteria for government policy."

Here are the 19 unhappiest countries in the world. 

19. Ivory Coast

Though residents of this West African nation earn a relatively high income, according to the BBC, the country has experienced steady violence since its 2002 rebellion.

Life expectancy is also low; men live to an average of 52 years, while women live to 54, according to figures from the World Health Organization.



18. Cambodia

Residents of Cambodia expressed little faith in its politics, according to the results of the report.

The Southeast Asian country's current Prime Minister Hun Sen reclaimed power in 2013, despite mass protests and claims of fraud, according to the BBC.



17. Angola

Poll respondents from Angola reported a very low level of freedom to make life choices.

Residents' life expectancy is also low. On average, men live to just 50 years, while women live to 53 years, according to the World Health Organization.



See the rest of the story at Business Insider

Meet the 'Rich Kids of London,' who post photos of their lavish lives on Instagram and Facebook

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Rich Kids of London

Whether you love or hate them, rich people can be fascinating to watch.

London's rich kids are no exception, and now there's an Instagram and Facebook account dedicated to showing off their cash-fuelled exploits.

The Rich Kids of London Instagram currently has 20.3K followers, while its Facebook page has 1,916 likes. As you might expect, both feeds are full of private jets, gold Bentleys, and expensive houses to remind regular people of how the 1% live.

Rich Kids of London accepts photo submissions from "the wealthiest kids from around London" over Facebook, Snapchat (its user name is "richkidslondon"), and email, according to its Facebook page.

Take a look at a selection of photos from the Rich Kids of London below:

London's rich kids use £50 notes to clean their shoes ...

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... and to blow their noses.

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This guy likes to make it rain as he listens to opera, then casually floats on his hoverboard.

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See the rest of the story at Business Insider

21 high-paying jobs for people who hate conflict

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While some people thrive on drama and conflict, others run the other way.

If you're in the latter category, you're in luck: There are plenty of high-paying jobs where conflict resolution and negotiation are rarely needed. 

We combed through the Occupational Information Network (O*NET), a US Department of Labor database that compile detailed information on hundreds of jobs, and looked at salary data on the US Bureau of Labor Statistics website to find positions with a median annual salary over $65,000 that don't require a lot of conflict resolution.

O*NET ranks how important "resolving conflicts and negotiating with others" is an any job, assigning each a "conflict resolution importance level" between 1 and 100. Negotiation-heavy positions, such as lawyers and social workers, rank between 90 and 100, while jobs such as engineers and equipment technicians receive low scores.

Read on to learn about 21 high-paying positions with a conflict resolution importance level of 34 or less.

SEE ALSO: 21 high-paying jobs for people who love to negotiate

DON'T MISS: 17 jobs to avoid if you hate confrontation

Commercial and industrial designer

Average annual salary: $67,030

Conflict resolution importance level: 29

Commercial and industrial designers develop products such as cars, toys, and appliances. They create products that are both functional and appealing by combining expertise in marketing, materials, and product use with artistic talent. 



Molecular and cellular biologist

Average annual salary: $67,790

Conflict resolution importance level: 30

Molecular and cellular biologists research and study cellular molecules and organelles to improve our understanding of cell function and organization. 

*This is the average annual salary for "microbiologists," according to the BLS.



Budget analyst

Average annual salary: $71,220

Conflict resolution importance level: 34

Budget analysts help both private and public companies organize and manage their finances. They can work anywhere from government agencies to universities, and duties include preparing budget reports and monitoring spending. 



See the rest of the story at Business Insider

Jaguar's new small sedan might give BMW a run for its money

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jaguar xe

The Jaguar XE is one of the newest additions to Jaguar's rapidly growing line up. It's the new sports sedan that will be going up against BMW's highly-acclaimed 3 Series, the Mercedes-Benz C-Class, and the Audi A4. 

We haven't yet gotten a chance to drive the XE, but we were able to get a spend a bit of time with the car and figure out if it'd actually be able to keep up with its German rivals. 

It shouldn't have too much trouble with that. 

The front-end sports Jaguar's current corporate face that can be seen on almost all of its other models.



Controls inside the XE are easy to read, easy to learn, and easy to use.



Its presence is stately.



See the rest of the story at Business Insider

10 housing markets where first-time buyers have no chance (TRLA)

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There a crisis brewing in the US housing market.

A shortage of supply with rising demand is ramping up prices and making housing increasingly unaffordable.

And a report Monday from Trulia showed that the number starter homes — in the cheapest price segment — has dropped 43.6% in the past four years.

Trulia's report included the top ten US housing markets where inventory for starter homes has shrunk the most in the last four years.

Here they are: 

SEE ALSO: The next housing crisis is here

Portland, Oregon-Washington

Starter home inventory, 2012 Q1: 2,526

Starter home inventory, 2016 Q1: 732

% change in starter home inventory: -71%



San Francisco, California

Starter home inventory, 2012 Q1: 606

Starter home inventory, 2016 Q1: 158

% change in starter home inventory: -73.9%



Houston, Texas

Starter home inventory, 2012 Q1:7,448

Starter home inventory, 2016 Q1:1,934

% change in starter home inventory: -74%



See the rest of the story at Business Insider

These 24 Americans are changing the world — and they're all under 40

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ashton-kutcher

The World Economic Forum recently announced its 2016 class of Young Global Leaders — people under the age of 40 who are changing the world — and 24 of the 121 are American.

This year's Young Global Leaders class includes leaders from an array of backgrounds. Some are famous entertainers, like actor and investor Ashton Kutcher and writer John Green, and others are inventors, CEOs, philanthropists, and scientists working on revolutionary ideas — such as Nina Tandon, who grows human bones with her biotech company, EpiBone. 

Once chosen by the WEF, these leaders are a part of the program for five years — they attend meetings, participate in initiatives and research, and work with the rest of the WEF's community.

Here are the 23 American leaders making a worldwide impact.

Editor's Note: An earlier version of this story mistakenly omitted James Song. The list has since been updated.

SEE ALSO: America’s 12 best big cities to live in right now

SEE ALSO: The 24 best private high schools in the Northeast

Andy Moon, SunFarmer

Andy Moon started his work in the solar energy industry in 2009 as a project developer for SunEdison. In 2013, he and a coworker started SunFarmer a nonprofit that brings solar power to developing countries with the help of a $2 million grant from a SunEdison foundation.

SunFarmer has completed more than 100 solar energy projects so far in Nepal, its pilot country, powering schools and health clinics as well as providing relief to victims following a pair of earthquakes last spring.

By 2020, SunFarmer’s goal is to power 4,000 hospitals, schools and water projects around the world.



Aria Finger, DoSomething.Org

After graduating from college in 2005, Aria Finger joined the nonprofit DoSomething.org to try to change the way young people give back to their communities. The organization has since grown from five employees to 55, and in the past decade it has helped 4.7 million young people started campaigns in their hometowns.

Six months ago, Finger was promoted to CEO. Her most recent campaign, Keep Guns Off Campus, encourages students to pressure their college presidents to take a stand against having guns on campus.



Ashton Kutcher, THORN: Digital Defenders of Children

The actor, producer, and tech investor started the DNA Foundation in 2011 with then-wife Demi Moore with the goal of ending child sex slavery. The company rebranded a year later to “Thorn: Digital Defenders of Children” with a more specific focus: technology’s role in the sexual exploitation of children.

With the help of partners such as Facebook, Tumblr, and Microsoft, Thorn has been battling Internet-enabled sexual abuse and providing support to victims. This past November, Kutcher announced that the organization would open an innovation lab that will allow data analysts and scientists to think up new technologies to deter online predatory behavior toward children.



See the rest of the story at Business Insider

A Pfizer executive went to Cuba to learn about its healthcare system — here's what he saw

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Havana, CubaAs President Obama’s historic visit to Havana indicates, U.S. and Cuban relations are evolving dramatically.

We are learning a lot more about each other.

Though only 90 miles from Florida, Cuba has existed in a kind of time warp, largely cut off from Western influences on culture, sports, politics, and where my professional interests at Pfizer (the world’s largest bio-pharmaceutical company) center:  healthcare and medicine. 

Dave Verbraaska's trip to Cuba

In February, I had the opportunity to travel to Cuba as part of a people-to-people educational mission sponsored by Columbia University. As vice president of worldwide public affairs and policy at Pfizer, my aim was to informally learn more about Cuba’s healthcare system which some tout as best-in-class. I traveled to Cuba with 30 other participants from across the United States and the trip was surreal and fascinating on so many levels.



Cruising in Cuba

Although relations between the US and Cuba are beginning to improve, travel restrictions still abound. It’s not as though I was able to plan a leisure trip to Havana on Orbitz. Rather, our trip was more along the lines of professional diplomacy, and as such our itinerary was full of exposure to pharmacies in particular, lectures, and lots of exchanges with ordinary Cubans who were engaging, curious and fairly candid in sharing their impressions on just about everything. 



A Cuban pharmacy

Not surprisingly, given that Cuba remains a command economy, the government runs all pharmacies. As with food rations, people are allowed access to certain “over the counter” medicines at certain times. According to the dozens of Cubans we spoke with, there can be drug shortages and supplies are unpredictable. Nonetheless, healthcare is free to all Cubans. As a result, people visit their doctor frequently for preventative care and prescriptions are easy to obtain.



See the rest of the story at Business Insider

The 12 best hidden features in the new iPhone update (AAPL)

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iPhone cheering

Apple updated the software on iPhones and iPads on Monday. 

Although Apple is advertising some of the new abilities your phone just received, like a new mode that makes reading easier at night, many of the best tweaks go unadvertised. Often iPhone users have no idea they even exist. 

After a week of using iOS 9.3, I went through the changelog and forums to find the best new hidden features.

But first: if you don't have the update, grab it in Settings > General > Software Update. 

 

SEE ALSO: 27 things you didn't know your iPhone could do

One of the new biggest improvements in the latest version of iOS is that you can hide those Apple apps you don't use anymore. It's not easy, but it's possible.

Full details here. It's quite an involved process that involves wiping your phone, installing Apple Configurator, a free tool usually used by system administrators, and removing specific package modules. But it might be worth it to clear your phone of your junk Apple folder forever. 

From Reddit

9.3 adds the ability to hide applications on the home screen based on the bundle ID. Create a configuration profile in Apple Configurator 2.2 Beta with a restrictions payload set to "Do not allow some apps" under "Restrict App Usage" in the Apps section of the Restrictions. Add the necessary bundle IDs like com.apple.tips, com.apple.stocks, then plug in your device and apply the profile. The icons will simply disappear from the home screen.



But before you do that, give those unused Apple apps another spin, because many of them have new features. For example, in the Activity app, there's a new Workout tab that collects your physical activity.



The Apple News app has also been revamped, with a new shortcut to help you customize your news feed. Simply swipe left or right on a story to train Apple's algorithm what news you like or dislike.

Try swiping from right to left, as well. 



See the rest of the story at Business Insider

The stunning, 50-year career of Elon Musk's model mother

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maye musk

Elon Musk's mother is a supermodel.

In fact, Maye Musk, 67, has been modeling since she was 15, according to her website. The registered dietitian with two masters' degrees in tow has appeared in major campaigns, such as for Clinique, Revlon, and Virgin America.

She has chronicled many moments from her illustrious, long career on her Instagram page.

Here are some highlights.

SEE ALSO: Elon Musk's mother has been a successful model for 50 years — here's her best diet advice

Here is Musk in 1964.

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This is Musk prepping for her first makeup ad in 1965. She wrote in the caption alongside the photo that she did her own hair and makeup.

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This is a photo Musk posted of herself back in 1966.

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See the rest of the story at Business Insider

How to record in Snapchat without keeping your finger on the screen

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One of the most iconic restrictions of Snapchat is that the app makes you hold your finger on the screen to record.

Just try to record a video in Snapchat without keeping your finger held down. It's impossible.

Unless you know this surprisingly simple workaround on the iPhone.

SEE ALSO: Snapchat reportedly paid $100 million for a startup that makes an emoji look eerily like you

Open the Settings app and go to General.



Then go to Accessibility. Tap on Assistive Touch.



Turn AssistiveTouch on and then Create New Gesture.



See the rest of the story at Business Insider

17 charts that show just how scary Amazon's $275 billion business really is (AMZN)

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amazon jeff bezos chart

Most people think of Amazon as an online shopping store, but it's actually much more than that.

Over the past 22 years, Amazon has turned itself into a $275 billion juggernaut that sells everything from cloud-computing services to its own hardware gadgets.

These 17 charts show just how scary its business really is.

Disclosure: Jeff Bezos is an investor in Business Insider through his personal investment company Bezos Expeditions.

SEE ALSO: Amazon had a secret invitation-only conference, where Jeff Bezos showed up in a robotic suit

Amazon went public in 1997. Its shares were priced at $18 each back then. Now they're worth more than $580 each. In December 2015, the stock went up to $675 a share, an all-time high.



Amazon is famous for its relentless focus on long-term growth. It's why they shun profits in favor of revenue growth. In 2015, Amazon generated $107 billion in revenue, but made only $596 million in net profit.

Source: Business Insider



In fact, Amazon's growing so fast, it's now outgrown Walmart as the largest retailer in the US.

Source: Business Insider



See the rest of the story at Business Insider

24 books that will make you a more well-rounded person

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Girl Reading

Do you aspire to be one of those people who knows at least a little bit about a lot of things?

There's any easy way to do it: Read everything!

You can't just stick to the thrillers, anthologies, or biographies you've grown partial to. If you really want to become a more well-rounded person, you'll need to force yourself out of your comfort zone at the bookstore.

If you're not sure where to start, you've come to the right place. We've selected 24 timeless books on all different topics — politics, science, history, culture, and more — that may help you become the well-rounded person you strive to be.

SEE ALSO: 33 books everyone should read before turning 30

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

Classic: 'To Kill a Mockingbird' by Harper Lee

First published in 1960 and winner of the 1961 Pulitzer Prize, "To Kill a Mockingbird" was an overnight successIn its first week, it sold 1.1 million copies, and in its lifetime it's sold more than 40 million copies and has been translated into more than 40 languages.

In this American classic, lawyer Atticus Finch agrees to defend a black man who was accused of raping a white woman. The fictional story takes place in the town of Maycomb, Alabama, and is told through the innocent perspective of Finch's tomboy daughter, Scout.

This classic novel hits on a few important topics, such as parenting and racism in America.

BUY IT HERE »



Classic: '1984' by George Orwell

George Orwell wrote this anticommunist novel in 1948 to predict what 1984 would look like in London. His prediction? A totalitarian state where "Big Brother," the government, was always watching you and telling you what to think and believe.

Some of his predictions came true, like cameras being everywhere and our bodies being scanned for weapons.

This book is a must-read because it's a cautionary tale of what happens when the government is given too much control over the people and their lives.

BUY IT HERE »



Pop culture: 'Harry Potter and the Sorcerer's Stone' by J.K. Rowling

If you haven't read "Harry Potter and the Sorcerer's Stone," or the following six books in the series, you should run to the bookstore immediately.

This beloved tale follows a young boy who finds out that he's a wizard on his 11th birthday and is whisked off to a wizarding school called Hogwarts to begin his training.

These books were so universally loved and praised that they spawned a multibillion-dollar film franchise, a theme park in Orlando, Florida, and a spin-off series based on a Rowling book, "Fantastic Beasts & Where to Find Them," which will be released later this year.

BUY IT HERE »



See the rest of the story at Business Insider

6 things one of the most powerful producers in TV learned from saying 'yes' to everything for a year

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shonda rhimes award

She owned Thursday nights on television with her hit series "Grey's Anatomy,""Scandal," and "How to Get Away with Murder."

She got to make things up for a living — something she'd thrived on since childhood.

But Shonda Rhimes was unhappy. She was overworked and unhealthy, and she didn't feel like she was living her life to the fullest.

So she embarked on a yearlong experiment in which she'd agree to any and every request that came her way — in her personal or professional life.

As she describes in her 2015 book, "Year of Yes," over the course of that year, she stepped out of her comfort zone and learned what it means to be truly successful. Here are six life-changing lessons she learned.

SEE ALSO: The creator of 'Grey's Anatomy' and 'Scandal' describes the moment she came into her own as a boss

1. You'll never know if you can get your way until you ask

Jimmy Kimmel had been requesting Rhimes' presence on his show, "Jimmy Kimmel Live," for years, and Rhimes had politely declined each time.

Once her Year of Yes began, however, there was no way out. She agreed to appear on the show, except for one thing: The interview wasn't live.

"If I have to be on TV, if I have to do something as scary as 'Kimmel,' Rhimes writes, "we're going to do it my way or we don't do it at all."

In other words, Rhimes learned that if there's a will, there's a way. She'd always assumed that appearing on "Jimmy Kimmel" was out of the question for her because it had to be a live interview — and she was terrified of making a fool of herself on live television. But when her assistant communicated her request, Kimmel's team was able to make it happen.

Rhimes was begrudgingly proud of herself for overcoming her fear: "I said yes to something that terrified me. And then I did it. And I didn't die."



2. Other people benefit when you get over your fears

Shortly after Rhimes, who graduated from Dartmouth College in 1991, began the Year of Yes, she received a phone call from the president of Dartmouth, asking her to give the commencement speech in 2014.

Though she was terrified, she agreed.

As she reveals in "Year of Yes," she rewrote her entire speech during the plane ride to New Hampshire. While onstage, she calmed down when she stopped focusing on herself, and started thinking about the students in the audience as younger versions of her:

Whatever I'm going to say is not for me. It isn't for the outside world. It doesn't matter how people react to it or judge it. I'm not talking to anyone but these graduates sitting in front of me. This is just for them.

The speech encourages students to "be a doer, not a dreamer," among other advice. You can watch it below:

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3. Making time for love is a priority

Perhaps the most important "yes" Rhimes uttered was in response to her youngest daughter's question: "Mama, wanna play?"

Rhimes was heading out the door, all dressed up for a fancy event, but she kicked off her heels and sat down on the floor to spend 15 minutes playing with her three daughters.

Though she was late to the event, Rhimes writes, "That little fire inside of me has been reignited. Like magic. Let's not get carried away. It's just love."

Now, she says, whenever her kids ask her to play, she says "yes."

She urges readers to take at least 15 minutes a day to "play"— whether that means hanging out with their kids or indulging in a long bath or a manicure. In other words, those 15 minutes should be filled with love — for others or for yourself.



See the rest of the story at Business Insider

Meet Gal Gadot, the 30-year-old Wonder Woman actress who was Miss Israel

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gal gadot

Gal Gadot is Wonder Woman, and she's stealing the show.

For those unfamiliar with her name, the 30-year-old actress is best known for her roles in four "Fast and Furious" films.

But before she was in action films, she was Miss Israel and served two years in the Israeli army.

She's bringing the comic-book Amazonian princess to life alongside Ben Affleck and Henry Cavill in "Batman v Superman: Dawn of Justice," out March 25 and, based on early reviews, she's a fan favorite. 

Many critics are saying Gal Gadot is the best part of the movie.

She'll also star in the standalone "Wonder Woman" film scheduled for 2017 and (at least) two "Justice League" movies.

Get to know the scene-stealing Wonder Woman below:

SEE ALSO: The 30 most expensive movies ever made

Gal Gadot was born in Israel on April 30, 1985. Her mom was a teacher, and her father was an engineer.

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Source: Glamour



Growing up, Gadot wanted to be a choreographer before switching her sights to law, but her plans changed after she met a pageant scout.

Source: Glamour



She participated in the 2004 Miss Israel contest and won, which launched her into a modeling career.

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Source: Glamour



See the rest of the story at Business Insider

13 ways to save money by thinking like a millennial

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Master of None

Even if you aren't a broke millennial, there's no reason you can't save money like one.

With the rise of smartphones, there are now a bunch of ways to cut costs by embracing a more mobile lifestyle. There are apps that will let you invest with no fees and subscriptions that can let you rack up big discounts on everyday items like food, and is a wealth of entertainment you can get without breaking the bank.

Here are 13 of the best ways to save money the way cost-conscious millennials do:

Trade stocks without paying any fees with Robinhood.

Robinhood is an app built around one promise: no-fee stock trading. It launched in December 2014 and quickly became a favorite among younger people looking to invest without paying $7 per trade. Since its launch, Robinhood has facilitated over $2 billion in transactions and saved its customers an estimated $70 million in trading commissions, according to the company.

The app itself is stylish and simple, a big part of why it won an Apple Design Award. It makes stock trading cheap, intuitive, and mobile.

Price: Free (iOS, Android)



Pick a checking account that refunds 100% of any ATM fees.

In 2016, there are plenty of options for free checking accounts that will refund any ATM fee you run into. This feature was popularized by online banks — like Ally — but now a slew of banks offer it. Being able to grab cash at any time without a second thought can save you time, money, and stress.



Use the Honey browser extension to see if there are available coupons any time you shop online.

Honey is a browser extension that automatically searches for coupon codes and sales whenever you are checking out online. All you have to do is click the Honey button, and it will search the web to find and apply coupon codes to your shopping cart. It takes no extra work on your part and can save you money.

Price: Free (Chrome, Firefox, Safari)



See the rest of the story at Business Insider

8 photos that show how much David Letterman is loving retirement

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david letterman

A lot changes when you leave your job for good: the freedom to choose what to do with most of your hours, your mental focus.

And then there are the visual changes. David Letterman has proven a man's look can change a lot in retirement, as he's stepped out since leaving CBS's "Late Show" with a huge, bushy beard and, more recently, what appears to be a shaved head.

Letterman also looks distinctly happy. Following his 33-year career in late-night hosting, he's been exercising by the beach in the Caribbean and visiting his hometown. This is a man who looks like he doesn't have a care in the world.

See how David Letterman has been living it up in retirement below:

David Letterman's last day as host of the "Late Show" was May 20, 2015. Celebrities including Alec Baldwin and Steve Martin showed up for the occasion, and Letterman wished his replacement Stephen Colbert well on the gig.



Days later, Letterman attended the Indy 500 in his hometown of Indianapolis. You can see the stubble of a man who has defiantly quit shaving.



Letterman joined his old musical sidekick from the "Late Show," Paul Shaffer, for the annual Little Kids Rock Benefit in October. The beard was already getting pretty bushy.



See the rest of the story at Business Insider

The evolution of the Carl's Jr. girl, from Paris Hilton to Hayden Panettiere

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Carl's Jr Hayden Panettiere

In 2016, Carl's Jr. and Hardee's want spokeswomen with both cleavage and complexity. 

"At one point in time, we were using 'Sports Illustrated' swimsuit models," Andy Pudzer, CEO of Carl's Jr. and Hardee's parent company CKE Restaurants, told Business Insider. "Now, because of the impact of the millennial generation, we're probably using people who not only have been gifted genetically, but who also... work on a number of levels with our ads."  

The latest of these multi-talented women is singer and 'Nashville' star Hayden Panettiere, who appears in the company's latest commercial, sensually chomping down on the new Midnight Moonshine Burger.

The burger chain's ads have gotten plenty of press for starring scantily clad women. Here's how the company's racy marketing strategy has evolved over the years. 

SEE ALSO: Fast-food CEO says he's investing in machines because the government is making it difficult to afford employees

A commercial starring Paris Hilton washing a car in a bikini while eating a burger created the blueprint for the brands, after the ad inspired protests and gained enough viewers to crash the Carl's Jr. website in 2005.

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The ad was so transformative to the brands that Carl's Jr. and Hardee's brought Hilton back for another commercial in 2014 that served as a homage to the 2005 ad.



Carl's Jr./Hardee's followed up Hilton's commercial with another sexy ad starring actress and model Cameron Richardson. When people protested these and other ads, Pudzer says that the controversy only helped sales.

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See the rest of the story at Business Insider

I just left New York City — here are 11 ways the move has saved me money

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new york city

It was a tough choice when I decided to leave New York City last year, just six years after I moved there. Like a lot of people my age, however, I was seeing my future in New York as plagued with constant money frustrations.

The cost of the city isn't easy to ignore. Every New Yorker (unless you make a seven-figure salary) talks about how expensive it is. It's a conversation people have at every party, it's a topic we're constantly complaining about on Twitter, and it's a daily annoyance that permeates almost every decision you make. After all, those who don't want to stay in their neighborhood must either get a monthly unlimited Metro card or pay $2.75 (one way) to go anywhere.

The tough part of leaving New York wasn't realizing it was outlandishly, unforgivably, unrelentingly expensive. The tough part was leaving the good friends — the family, really — I had in New York. But I knew certain dreams I had, like buying a home, were just not possible in a city where rent on a one-bedroom apartment within an hour's commute of my office was continually edging closer to $2,000 a month. So I made the leap (or the drive, to be specific) and relocated to Richmond, Virginia.

Here are the big differences in cost I've discovered since leaving the big city for the South.

SEE ALSO: 15 facts about New York City that will make you think twice about whether you can afford to live there

1. Housing is cheaper.

I tell everyone this fact — my mortgage for a four-bedroom house (including taxes and insurance) is less than my rent for a one-bedroom apartment in New York ever was. It may be the New Yorker in me (I wasn't lying, everyone compares their rent price at parties in New York), but I am still blown away at how much more I can afford outside the city.

2. I ended my reliance on Seamless.

Everything in New York is just a little bit harder than everywhere else. It's the same for other big cities, I'm sure, but every time I'd look at an elderly woman walking with her cart down the block to get groceries, I was reminded that there are conveniences other Americans are privy to that New Yorkers aren't.

One of those things is making food at home. I found it so hard to plan meals in advance and instead ended up relying on Seamless. I lived in Queens — one of the most diverse counties in America — and that diversity is reflected in the endless delivery options. Want a burger? There were at least four dozen places to get one. Sushi? Same thing.

The Seamless delivery options for my first apartment when I moved to Richmond? Eleven total, mostly pizza places. And a few of them had a $9 delivery fee, making it an easy choice to stop ordering.



3. My slow cooker is my best friend.

It's hard to have a lot of appliances in your kitchen as a New Yorker. You're lucky if you have enough counter space for a toaster oven, let alone a Crock-Pot or a stand mixer or a juicer. Don't get me wrong; people make it work, but it wasn't until I moved to Richmond that I got appliances that have made spending less money on food easier.

My slow cooker is a saving grace. I spend about $120 on groceries for a week, and that provides every meal. I work from home, so I now wake up in the morning and, in the time I would have spent commuting in New York, my husband or I get everything into a slow cooker and turn it on. Dinner is ready hours later, and I don't have to rely on options like fast food that offer convenience at a high cost.

4. I save on drinks.

Going out in a city where you drive everywhere naturally limits how much you drink while out. Also, instead of the average cocktail being $12, I'm paying $8 a drink. For a 20-something like me, it adds up quickly.



5. I never use Uber or Lyft or take a taxi.

A taxi ride home after a night out was my "splurge" in New York. And by splurge, I mean all my discretionary income would end up going toward taxi rides. It was a vice. I have my own car now, so I drive everywhere. You might be saying, "But your car costs more than a monthly Metro card!" and you're right. But when you add up what I spent on subway fares, cab rides, and Ubers, I spend less every month on my car loan payment, gas, and car insurance.

6. I broke my Starbucks addiction.

I used to buy a venti skinny vanilla latte from Starbucks most days. Another vice. It was on the way to the office every day (in fact, there were two on my walk from the subway exit to my office door). Add it up: $5 a day (roughly) times five days a week times four weeks a month equals $100 a month. I make my own coffee now (Blanchard's Dark As Dark, for any Richmondites). It's $9 a bag and a bag lasts me and my husband a week. Total cost a month: $36. That's a nice little savings.

7. I no longer commute.

I work from home; I don't commute. Monthly savings: $116.50 (price of an unlimited 30-day Metro card).



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5 simple etiquette habits that help the rich get ahead, according to a man who spent 5 years studying millionaires

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wealthy

Manners matter.

"You have to know how to act and how to do certain things when you're around people," writes Thomas C. Corley in his upcoming book "Change Your Habits, Change Your Life.""Self-made millionaires have mastered certain rules of etiquette that help them in social settings."

Corley would know — he spent five years researching the daily habits of 177 self-made millionaires and segmenting out what he calls "rich habits" and "poverty habits."

Will mastering these etiquette habits guarantee a fortune? Of course not. But it certainly won't hurt.

SEE ALSO: 13 habits of self-made millionaires, from a man who spent 5 years studying rich people

1. They send thank you cards.

"Saying thank you is a reflection of your character," Corley writes. "Don't Facebook them, Tweet them, Instagram them. Send a thank you card."

When do the rich write thank you notes, and when should you? When someone remembers your birthday, refers a client to you, introduces you to an important contact, or does you or a family member a favor.



2. They remember the little details.

Rich people remember other people's birthdays, hobbies, interests, schools attended, childhood hometowns, and names of their spouses and kids.

The little details matter, Corley emphasizes. They allow you to build relationships with other success-minded people, a cornerstone habit of rich people. "Gather as much information about your relationships as you can," he writes. "The more you know about people you engage with, the more ammunition you'll have in your arsenal to help you in effectively communicating with them."

Remember to make hello calls and happy birthday calls. Five minutes on the phone can go a long way.



3. They have good table manners.

"Believe it or not, most people don't know how to eat," Corley writes. But, "In the adult world of the high achievers, you need to know how to eat at social settings."

This means putting your napkin on your lap as soon as you sit down, not starting until everyone has their food, eating at the same pace as the rest of the table, sitting straight up, and excusing yourself when you're done.

If any of those came as a surprise, read up on dining etiquette rules every professional needs to know.



See the rest of the story at Business Insider
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