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A man who spent 5 years studying self-made millionaires found they share 6 personality traits

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Each person's path to wealth may be unique, but there are certain commonalities among the world's richest people.

After studying the lives of 177 self-made millionaires over the course of five years, author Thomas C. Corley found that they all shared six traits, which he reveals in his upcoming book, "Change Your Habits, Change Your Life."

How many of these traits do you possess?

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

Passion

"Every wealthy entrepreneur in my study who realized incredible wealth also had passion," Corley writes.

Passion trumps education, intelligence, skills, and "any other advantage those who lack passion might have in life," he emphasizes.

"Passion makes work fun. Passion gives you the energy, persistence, and focus needed to overcome failures, mistakes, and rejection. It infuses you with a fanatical tenacity that makes it possible to overcome obstacles and pitfalls that block your path."



Persistence

Self-made millionaires are persistent, particularly in the face of failure.

"Twenty-seven percent of the self-made millionaires in my study failed at least once in business," Corley writes. "And then they picked themselves up and went on to try again.

"Persistence makes you unstoppable," he continues. "Persistence allows you to learn what doesn't work and continuously experiment until you find what does work. Persistence is the single greatest contributor to creating good luck. Those who persist, eventually get lucky."



Focus

Focus is key — and it all starts with goal-setting. Not only do wealthy people set annual and monthly goals, but 67% of them put those goals in writing, Corley found.

"Success is a process," he writes. "It starts by developing a script of the life you desire. This script becomes your blueprint for success. It helps you define your long-term goals. Without a blueprint, without long-term goals, we are like leaves on a fall day, floating in the air aimlessly."

Rich people also maintain their focus by cutting back on TV and internet time, getting enough sleep, and avoiding procrastination, Corley found.



See the rest of the story at Business Insider

Mind-blowing photos from astronaut Tim Peake show Earth glowing at night from the International Space Station

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ISS tim peake space

British astronaut Tim Peake (whose birthday is today, April 7!) has been orbiting the planet for almost four months aboard the International Space Station, a habitable artificial satellite in low Earth orbit that can sometimes be spotted even with the naked eye.

He's part of the European Space Agency's six-month Principia Mission, which has him working to maintain the ISS' weightless research laboratory and conduct experiments. But he's also a photographer — and the images and videos he's taken aboard the ISS are stunning.

Here are a few of our favorites:

 

SEE ALSO: Watch astronaut Scott Kelly’s epic journey back to Earth in 60 seconds

DON'T MISS: This 30-million-year-old cave in New Zealand has a beautiful phenomenon that doesn't exist anywhere else in the world

Italy at night. You can spot the major cities.



New Delhi, India, and the Himalayas in South Asia on a moonlit night.



Progress, a Russian cargo-supply ship, launching into orbit. Progress delivers much-needed supplies to crews stationed aboard the ISS.



See the rest of the story at Business Insider

Meet the cast of 'Rogue One,' the next 'Star Wars' movie

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resistance star wars rogue one

Disney just released the first teaser trailer for "Star Wars: Rogue One."

Coming December 16, the film takes place before the original Star Wars film, "Episode IV: A New Hope," and tells the story of a group of resistance fighters and their mission to steal the plans for the Death Star. 

The teaser is short on plot details, but we received our first glimpses of the rebel team in action. "Rogue One" is the first of three planned spin-off movies set in the "Star Wars" universe at varying points in the overall timeline. We've already dissected all the intriguing plot hints in the awesome new trailer. Now, it's time to get to know the cast. 

Meet the cast of "Rogue One" below.

Felicity Jones will star as a fiery young rebel named Jyn.

Jones will star as Jyn, a young woman who joins the rebellion and apparently leads the Rogue One team. 

While Jones has been acting since the late '90s — she's appeared on shows like "Doctor Who" and had a minor role in "Amazing Spider-Man 2" that would have ostensibly led to a bigger part in the now-scrapped series — she received much acclaim (and an Oscar nomination) for playing Jane Hawking opposite Eddie Redmayne in the Stephen Hawking bio pic "The Theory of Everything."



Ben Mendelsohn is an imposing, unknown villain.

A character actor with a penchant for playing villainous people in the States and a longtime leading man in his native Australia, Ben Mendelsohn is an actor you've almost certainly seen (most likely as Dagget in "The Dark Knight Rises") but whose face you'll likely recognize more than his name.

Mendelsohn is an intense, unsettling performer in his best roles (like Danny Rayburn in Netflix's "Bloodline"), and appears in the trailer as a terrifying figure in white. 



Mexican actor Diego Luna will also suit up to join the Rogue One team.

A Mexican actor who exploded on the scene with 2001's "Y Tu Mamá También," Diego Luna spent much of his career in Spanish-language cinema, occasionally surfacing in big films like  "The Terminal" and landing a pivotal role in the Academy Award-nominated "Milk." 



See the rest of the story at Business Insider

One man created an incredible update to the original Nintendo Game Boy

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The original Nintendo Game Boy was the size of a hotel bible, required four AA batteries, and only played games in black and white.

Nintendo Game Boy

Beautiful, isn't it? 

But one ambitious gentleman thought he could make it even more beautiful. Behold: the updated Nintendo Game Boy, with the ability to play games from the original Nintendo through to the Game Boy Advance, including Sega's consoles and some old arcade games!

Game Boy (modded)

Not a bad look, right? Being able to play "Super Mario World"— arguably the best "Super Mario" game ever made— on-the-go is fantastic. So, what makes this thing tick? Check it out.

This magically updated Game Boy started life as a standard Game Boy. Here it is after having two holes drilled out of its face:



The drilling was to make space for two new buttons, acting as the X and Y buttons like the Super Nintendo gamepad:



They were culled from an original NES gamepad, thus the fire engine red:



See the rest of the story at Business Insider

Before joining a startup, read this book and be warned

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Disrupted: My Misadventure in the Start-Up Bubble

When tech journalist Dan Lyons suddenly found himself jobless at age 51, he landed a job at one of the hottest then-startups in the Boston area: HubSpot, a company that makes what it calls "marketing automation" software.

He hoped he had finally "made" it, leaping from the world of writing about startup employees becoming rich to one of those people who would get rich on stock options.

Instead, he had landed in place that was more cult than company, he describes in his new book "Disrupted: My Misadventure in the Start-Up Bubble."

He describes a year that began in scoffing disbelief, led to a series of humiliating events, and ended with a torrent of abuse from his boss. He hung on until just after HubSpot went public, making about $60,000 on his stock options. 

Dan LyonsThe book is a hilarious and eye-opening. Lyons is best known in the tech world for his satirical work as Fake Steve Jobs, where he wrote The Secret Diary of Steve Jobs, which later became a book. He's also a screen writer for the HBO hit "Silicon Valley." He was a technology editor for Newsweek, the editor for the ReadWrite blog and worked for Forbes.

The book is also the source of controversy.

Before it was published, one of the managers featured in it was fired, and another quit before he could be fired. The CEO of HubSpot was also censured. They were involved in a scandal that involved "email hacking" and "extortion: in attempt to keep the book from being published, FBI documents revealed.  

SEE ALSO: 17 tech professions that pay over $120,000 in 2016

This book is a bit like reading Dan Lyons therapy session in which he heals himself of an emotionally scarring experience.



HubSpot is a hot Boston company that makes marketing automation software. It allows small businesses to automate emails to their customers, write blog posts, and so on.



Lyons says the co-founders CEO Brian Halligan and CTO Dharmesh Shah came up with a "creation myth" that they had a vision for "transforming marketing." All startups talk about their own creation myths in the same way: transforming something.



See the rest of the story at Business Insider

Disney's newest Marvel superheroes game is a huge letdown for 'Captain America' fans

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Marvel Battlegrounds Play Set Poster Disney Infinity

If there are two things I love, it's Marvel superheroes and the "Disney Infinity 3.0" video game. 

And so, my excitement levels were off the charts for "Marvel Battlegrounds," the newest playset for "Disney Infinity 3.0," which adds a new kind of hero-versus-hero gameplay and some new characters to the mix — just in time for the forthcoming "Captain America: Civil War" movie.

Disney was kind enough to hook me up with a "Marvel Battlegrounds" set. But it's my sad duty to report that for all my excitement, it's a huge, hero-sized letdown. I blew through the majority of the game in under an hour, and I'm not exactly itching to get back to it.

SEE ALSO: Why Google stopped 'feeding the machines with the blood, sweat, and tears of human beings'

The way the Disney Infinity 3.0 game itself works is both simple and addictive: The more $14 action figures and $30-ish playsets you buy, the more game you get. "Marvel Battlegrounds" is one of the latter; a $30 playset that includes a fresh set of levels and a stylin' new Captain America figure modeled on movie star Chris Evans.

Past "Disney Infinity" playsets have been really enjoyable story-based adventures in the worlds of Disney/Marvel/Pixar/Lucasfilm blockbusters, including "Inside Out,""Star Wars: The Force Awakens," and "Guardians of the Galaxy," where you fight bad guys and go on simple quests.

But "Marvel Battlegrounds" styles itself as more of a competitive fighting game for up to four players. It's just a tiny bit like Nintendo's "Super Smash Bros.," with heroes fighting other heroes (and villains, of course) in arenas drawn from the Marvel movies and comic books. Disney is positioning it as "Disney Infinity" expanding into a new genre, to freshen the game up for long-time players.



Just glancing through the Amazon reviews of "Marvel Battlegrounds," there are generally two camps: Some people love it, since it's a multiplayer fighting game that even young kids can pick up; others are disappointed that there isn't more to see and do. I definitely fall into the latter camp, but your mileage may vary.

In the story mode, one or two players are thrown in to an exceedingly short adventure that sees you meeting and shortly thereafter beating up most of the fan-favorite Marvel characters. You can knock that out in maybe forty-five minutes.

After that...well, there are some pretty simple challenges, usually along the lines of "beat this character as that character." Most aren't really worth the time, unless you're a total completionist or just really dig the fighting system. Once you're done with that, all that's really left to do is beat up your friends or the computer in versus mode.



To its credit, the game features lots of varied arenas, featuring lots of destructable objects and environmental hazards — a SHIELD satellite features flamejets and an electrified floor. And the heroes get some upgraded, unique powers just for "Marvel Battlegrounds," alongside some new moves to make it more like a traditional fighting game.

But in my experience with the game, the fighting is pretty simple, shallow, and worst of all, repetitive. It doesn't take a lot of skill, and fighting is all there is to do. 

It's not all bad news: To support the release of "Marvel Battlegrounds," Disney released a handful of new characters drawn from recent and future films: In addition to the included Captain America figure, new heroes include Ant-Man, The Vision, Black Panther, and a rereleased Black-Suit Spider-Man. They all have cool and varied powers, and look great.

Plus, the game supports the whole range of Marvel superhero figures, past and present, so it can give your old Infinity toys new life. And it has an in-game gimmick to let you try out superheroes you haven't actually bought yet in the game's versus mode, which might be a good bet for budget-conscious parents. 

Ultimately, it's just a shame that all those great new characters don't have a great big story to go with them. And at a base retail price of $30, it's hard to recommend, unless you really want that Captain America figure or have three more likeminded superhero enthusiasts.



See the rest of the story at Business Insider

17 myths about animals that drive us wild

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The animal kingdom is host to a nearly endless supply of oddities.

Yet for every shockingly true fact about animals, there's another one that's exaggerated, misguided, or just plain wrong.

It's time to put an end to these myths and misconceptions passed down through the ages.

To help the cause, Tech Insider has rounded up and corrected some of the zanier animal "facts" that just aren't true.

Have any favorites we missed? Send them to science@techinsider.io.

Jennifer Welsh and Sarah Kramer contributed to this post.

MYTH: Beaver butt secretions are in your vanilla ice cream.

You've probably heard that a secretion called castoreum, isolated from the anal gland of a beaver, is used in flavorings and perfumes.

But castoreum is so expensive, at up to $70 per pound of anal gland (the cost to humanely milk castoreum from a beaver is likely even higher), that it's unlikely to show up in anything you eat.

In 2011, the Vegetarian Resource Group wrote to five major companies that produce vanilla flavoring and asked if they use castoreum. The answer: According to the Federal Code of Regulations, they can't. (The FDA highly regulates what goes into vanilla flavoring and extracts.)

It's equally unlikely you'll find castoreum in mass-marketed goods, either.

Sources: Business Insider, Vegetarian Resource Group, FDA, NY Trappers Forum



MYTH: Dogs and cats are colorblind.

Dogs and cats have much better color vision than we thought.

Both dogs and cats can see in blue and green, and they also have more rods — the light-sensing cells in the eye — than humans do, so they can see better in low-light situations.

This myth probably comes about because each animal sees colors differently than humans.

Reds and pinks may appear more green to cats, while purple may look like another shade of blue. Dogs, meanwhile, have fewer cones — the color-sensing cells in the eye — so scientists estimated that their color vision is only about 1/7th as vibrant as ours.

Sources: Today I Found Out, Business Insider



MYTH: This dinosaur is called a Brontosaurus.

Many people would call this dinosaur a Brontosaurus — even Michael Crichton did in "Jurassic Park."

It is actually called the Apatosaurus. The myth emerged some 130 years ago during a feud between two paleontologists.

Source: NPR



See the rest of the story at Business Insider

Here's who'd win in a dogfight between Russia's and the US's top fighter jets

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Russia's air force recently grabbed the international spotlight with its bombing campaign in support of Syria's Bashar Assad. But how does it stack up against the world's greatest air force?

During Russia's stint in Syria, four of their latest and greatest Su-35 Flanker jets flew sorties just miles from the only operational fifth-generation fighter jet in the world, the US's F-22 Raptor.

Given the fundamental differences between these two top-tier fighter jets, we take a look at the technical specifications and find out which fighter would win in a head-to-head matchup.

SEE ALSO: Air Force general: The mere sight of F-35s at UK airshows will help deter Russia

SEE ALSO: Russia's newest fighter jet is 5th-generation 'in name only'

F-22 specs

Max Speed: 1,726 mph
Max Range: 1,840 miles
Dimensions: Wingspan: 44.5 ft; Length: 62 ft; Height: 16.7 ft
Max Takeoff Weight: 83,500 lb
Engines: Two F119-PW-100 turbofan engines with two-dimensional thrust-vectoring nozzles
Armament: One M61A2 20-mm cannon with 480 rounds, internal side weapon bay carriage of two AIM-9 infrared (heat seeking) air-to-air missiles, and internal main weapon bay carriage of six AIM-120 radar-guided air-to-air missiles (air-to-air load out) or two 1,000-pound GBU-32 JDAMs and two AIM-120 radar-guided air-to-air missiles (air-to-ground loadout).

Source: Af.mil



Su-35 specs

Max Speed: 1,490 mph
Max Range: 1,940 miles
Dimensions: Wingspan: 50.2 ft; Length 72.9 ft; Height 19.4 ft
Max takeoff weight: 76,060 lb
Engines: Two Saturn 117S with TVC nozzle turbofan, 31,900 lbf/14,500 kgf each
Armament: One 30mm GSh-30 internal cannon with 150 rounds, 12 wing and fuselage stations for up to 8,000 kg (17,630 lb) of ordnance, including air-to-air missiles, air-to-surface missiles, rockets, and bombs.

Source: CombatAircraft.com



Maneuverability

Russia based the Su-35 on the rock-solid Su-27 platform, so its status as a "supermaneuverable" fighter is a matter of fact.

Russian pilots familiar with previous generations of the Sukhoi jet family's thrust-vectoring capabilities have carried out spectacular feats of acrobatic flight, like the "Pugachev's Cobra."

On the other hand, the F-22 has a great thrust-to-weight ratio and dynamic nozzles on the turbofan engines. These mobile nozzles provide the F-22 with thrust-vectoring of its own, but they had to maintain a low profile when designing them to retain the F-22's stealth edge.

Most likely, the Su-35 could out-maneuver the F-22 in a classic dogfight.



See the rest of the story at Business Insider

The 5 factors that make or break your credit score

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Man at Desk

You know that your FICO credit score is a key number. Mortgage lenders will use it to determine whether you qualify for a home loan. They'll also use it to determine how high of an interest rate you'll pay on that loan.

You should know, too, that lenders consider a FICO score of 740 or higher to be a strong one, and that scores under 640 are generally considered weak.

But do you know exactly what makes up your all-important FICO credit score?

It isn't surprising if you don't. Your credit score is made up of several factors, everything from how often you pay your bills on time to how much you owe on your credit cards.

SEE ALSO: Tony Robbins says the smartest thing he's ever done with his money is a habit he started at age 24

1. Your payment history

Nothing is more important to your FICO score than your payment history, and this is according to the team at Fair Isaac Corporation, the company that created the FICO score. According to the myFICO website, your payment history makes up 35% of your credit score.

Your FICO score will drop — often by 100 points or more — if you have late payments on your credit cards, retail accounts, car loans, and mortgage loans. Missed payments remain on your credit reports for seven years, but decrease in importance as time moves on.

Your payment history also includes any bankruptcies — which stay on your credit reports for seven to 10 years — and foreclosures, which remain on your reports for seven years.

If you have a good record of no missed payments on all or most of your credit accounts, your FICO score will tend to be higher, though other factors could negate your solid payment history.



2. The amount you owe

Owing a lot of money on credit cards and on loans can reduce your credit score. According to myFICO, the money you owe makes up 30% of your credit score.

But owing a lot doesn't necessarily cause your credit score to plummet. What is more important is how much of your available credit you are using. Say you have $10,000 worth of available credit on your credit cards. If you are using $8,000 worth of this credit, your score will be lower than if you are only using $2,000 of it.

That's why financial experts recommend that you never close an open credit card account, even if you've paid it off and are not using it. (See also: This One Number Is the Key to Your Credit Score)



3. Length of your credit history

How long you've been using credit is another important factor in your credit score, making up 15% of it, according to myFICO. In general, the longer your credit history, the better it is for your credit score.

Your credit history includes the age of your oldest account, the age of your newest account, and the average age of all of your accounts. Your history also includes the length of time since you've used specific accounts.



See the rest of the story at Business Insider

4 red flags you can't ignore, no matter how badly you want the job

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The day has come: You're finally interviewing at your dream company, for your dream job!

It's in the perfect industry and the role is a near perfect match for your skills and background.

Plus it'll keep you on track for your five-year plan.

All good, right?

Maybe not.

Many times, the external view of a company can be profoundly different from the reality inside. Most people have a tendency to "downplay" or even dismiss red flags when they allow their hearts to get ahead of their brains during the consideration process.

But, you should never allow yourself to ignore the signs that are trying so very hard to reveal themselves to you.

What exactly should you keep an eye out for? Any of the following:

SEE ALSO: 15 questions you should always ask yourself before accepting a new job

1. The hiring manager draws a blank when describing the role.

You ask the typical, direct interview question, "What will my day look like as a designer on this team?" and seem to get back a blank stare, or worse, an unfocused rambling of random responsibilities.

This is no good for two reasons. One, coming into an organization without a clear understanding of your duties, roles, responsibilities, and accountability could easily be a disaster starting on day one. What if you don't like the position as it unfolds? What if it's not right for your skill set? Two, it's often a sign that the team isn't sure what its goals are for the upcoming months. A goal-less team usually leads to unclear instructions, projects that are ditched upon completion, and mixed messages from your boss. Not to mention, it could mean there's no clear path to a promotion.

If you're in this situation, you can follow up with a question along the lines of, "What skills does the person in this role need to succeed?" If the person has a quick, immediate answer, then perhaps the hiring manager is leaving the day-to-day look of the job up to the right candidate. (And that's actually OK!) But if this one gets crickets too, stay away.



2. Your potential boss seems disorganized and rude.

You arrive on time (or, actually five minutes early) for the interview and wait for over 30 to meet the hiring manager. Once your potential manager finally arrives, it's clear he hasn't reviewed your resume and is barely even able to recall your name. He then proceeds to take a call and check his email mid-interview.

Yes, some people have busy days, and some people get thrown into interviews at the last minute. But, if this is going to be your boss, do not take this behavior with a grain of salt. Being disrespectful of your time is likely a harbinger of what's to come.

To double check on the situation, you can ask the hiring manager a few questions indirectly, such as "How do you assess and check in with the members of your team?""How do you prefer your employees communicate questions and issues to you?" and "What values do you need to have to succeed on this team and in this company?"

Based on those answers, you'll want to do a gut check to find out if those answers resonated with you or only make you feel more hesitant. A great working relationship with your supervisor is going to do a great deal in determining your job satisfaction and your rate of success. So, if you're disrespected from the start, it doesn't bode well.



3. Your potential peers seem overworked and overstressed.

As you interview with more people from the team, common statements keep coming up such as "The hours are crazy" and "The job is sometimes unpredictable." You're starting to feel like there's a theme and your future teammates are seriously unhappy.

It's one thing if one person comes off as stressed when you speak, but if they all do, it's indicative of a problem in the work environment. If you're concerned, it's a good time to probe for more information. Two basic starter questions are: "What's your favorite part of your job?" and "If you had to describe the culture here in three words, what would they be?"

You're looking for answers that come back to the work the company does, the projects they're digging into now, anecdotes about great clients—really anything positive besides perks. Perks such as vacation time, box seats at big games, and free lunch can only take you so far.



See the rest of the story at Business Insider

The world in photos this week

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A selection of photos from some of this week's biggest news that you might have missed.

US Republican presidential candidate Ted Cruz celebrates winning the Wisconsin Primary with his wife Heidi and Wisconsin Governor, Scott Walker, during a primary night rally at the American Serb Banquet Hall in Milwaukee, Wisconsin April 5, 2016.

Read more about Ted Cruz winning Wisconsin.



A white-tailed eagle lands on a wolf's carcass in the 30 km (19 miles) exclusion zone around the Chernobyl nuclear reactor, in the abandoned village of Dronki, Belarus, February 15, 2016. Thirty years after the Chernobyl nuclear disaster, booming populations of wolf, elk and other wildlife in the vast contaminated zone in Belarus and Ukraine provide a clue as to what happens after humans disappear.

Learn more about Chernobyl and its animals.



First lady Michelle Obama, Malik Robins, and Erin Hinson, help plant vegetables during the eight annual White House Kitchen Garden planting on the South Lawn of the White House in Washington, Tuesday, April 5, 2016.



See the rest of the story at Business Insider

Here's how much people earn 10 years after attending the 25 best colleges in America

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princeton university

After four years of rigorous academics, how are graduates from the top colleges in the US faring in the real world? We decided to look at the stats.

A recent Georgetown University Center on Education and the Workforce report highlights the median earnings of students 10 years after starting their studies, based on data from the US Department of Education's College Scorecard.

Using Business Insider's list of the best colleges in America, we rounded up the median earnings of people from the top 25 schools, ranked from least money to most.

We also included the median starting salary from the employer-information website PayScale, as shared in our best-colleges list, to give you an idea of the graduates' career growth over the years:

SEE ALSO: The 30 US colleges that offer the best value for your money

Amherst College

Amherst, Massachusetts

Ranked 21st best college in America. 

Median starting salary: Unavailable

Median earnings 10 years after enrolling: $56,800



University of Michigan at Ann Arbor

Ann Arbor, Michigan

Ranked 23rd best college in America. 

Median starting salary: $56,800

Median earnings 10 years after enrolling: $57,900



Brown University

Providence, Rhode Island

Ranked 18th best college in America. 

Median starting salary: $55,100

Median earnings 10 years after enrolling: $59,700



See the rest of the story at Business Insider

A former McKinsey partner shares 4 techniques to finally get your email inbox under control

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caroline webb

Take a moment to reflect on how much time you spend in your email inbox each day, compared to how much time you spend actually working. How many of those emails even yield positive results?

Sevenshift CEO, McKinsey senior adviser, and former McKinsey partner Caroline Webb says that if you're like most people, you're probably wasting hours every week. Thankfully, she has some solutions, she writes in her book "How to Have a Good Day," a collection of career best practices she's learned in her 16 years as a consultant.

Here are four simple techniques that, if used correctly, can profoundly change your workflow.

SEE ALSO: A former McKinsey partner shares 7 steps to having productive meetings you won't dread

Stop looking at it all the time.

One of the worst things you can do to your productivity is keep a tab open for your inbox, so that your eye is consistently drawn to any change in the email count.

As you switch from task to task, in this case from your work to your inbox, your brain is expending a limited amount of energy refocusing its attention. For nearly everyone, this information overload exerts the brain and causes performance to suffer.

"Instead, 'batch' your emailing so that you process emails a few times every day, not a few times every minute," Webb writes. Consider bookending your work day with email checks, and checking again after lunch.



Filter your inbox.

"Just as our brain wastes time switching from tasks to email and back to tasks again, it wastes some time by flipping between different types of emails requiring very different types of cognitive response," Webb writes. That email with your boss isn't of equal importance to the calendar invite to a happy hour.

Make use of your email client's filtering features, whether that's assigning types of emails to different tabs or folders.

Separate emails sent to you directly from those in which you're CCd, and also separate out things to read when you have more time.



Once you open an email, do something with it.

Procrastination is one of your biggest enemies when handling emails. As soon as you open one, decide what to do with it.

Webb points to author and consultant David Allen's "four Ds" from his book "Getting Things Done." As soon as you open a message, you have four options:

• "Do: Make the decision and respond."

• "Delegate: If it's something that can reasonably be handled by someone else, forward it on."

• "Defer: File for future action or reference. Send an 'I'll get back to you' response if needed." Webb notes that she does a weekly check to ensure that one of these doesn't get lost forever.

• "Delete: If none of the above applies, delete."



See the rest of the story at Business Insider

I earn over $5,000 a month traveling the world — here's how travel blogs really make money

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When people ask me what I do for a living and I reply, "I'm a travel blogger," I can pretty much see the confusion in their faces.

They're thinking, How can a blog make money? Isn't that just a hobby? Who pays you? How much can you really make?

Based on my own experience — and those of many other bloggers in different industries — I'm going to answer these questions (and more).

SEE ALSO: A couple who quit their jobs to spend 7 months traveling the world explain how they stretched $8,000 across 13 countries

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How many blogs are out there?

According to WPvirtuoso.com, there is a blog created on the Internet every half-second. That's over 170,000 new blogs being created every single day! The same study also claimed that there were over 152 million blogs on the Internet in 2013. Given their calculation of a new blog every half second, in 2015, there would have been around 276 million blogs worldwide.

This may sound like a saturated market, and it is, but the vast majority of these blogs are hobbies, not careers. There are very few bloggers out there who are actively trying to earn a full-time income from their work, and thus, the competition is not as fierce as the above numbers would suggest. (See also: 22 Websites That Will Pay You to Write for Them)



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Who pays bloggers?

Typically, bloggers earn income streams from many different sources, but overall, their earnings can be roughly broken down into three main categories.

1. Direct advertising

This is when a company places a link or a banner ad on a blog. Typically, advertisers will pay a monthly or yearly fee for this placement. Banner ads can pay upwards of $300 a month, so if a blogger places three or four of these, the revenue will start to add up. Some blogs have 10-15 banner ads throughout their website, earning them thousands of dollars per month.

2. Affiliate marketing

Another common source of blogging income is through affiliate sales. Basically, a blogger links to a product or service from their website. When a reader buys that product or service through that link, the blogger receives a commission.

There are affiliates for all sorts of businesses, like Amazon, Expedia, Alamo, and many more. For mommy blogs, affiliates may be for children's toys and craft products. For tech review blogs, their best affiliates are probably through online electronics stores.

3. Sponsorships

This is when a company pays a blogger in exchange for continuous promotion. It is not uncommon for bloggers to get paid to review free gear, free travel, and free services. The sponsorship opportunities are endless and can be available in many different industries.



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How many hours per week do bloggers work?

This varies greatly from blogger to blogger. Many people claim that they work upwards of 60 hours per week on their blogs! In my case, I left a high-paying, 60-hour per week job so that I could have more time doing what I love: traveling.

I work on my blog just four hours a day, five days per week... at the very most. The great thing about an efficient blog is that you don't have to put much time into it. Once it's built with a passive income model, it can typically earn money without very much work involved.



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8 ways to look like a millionaire, even if you're not

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the devil wears prada

Regardless of how much you make, it's easy to project an air of power and confidence commonly associated with the wealthy, as long as you focus on the right things.

Sylvie di Giusto worked in human resources for more than 20 years before becoming an image consultant in 2009.

Her company, Executive Image Consulting, has worked with executives looking to improve how they present themselves and professionals looking to rise in the corporate hierarchy. She also gives dress-code consulting to corporations, which have included McKinsey, BMW, and Thomas Cook, according to her website.

With inspiration from Vicky Oliver's book, "The Millionaire's Handbook: How to Look and Act Like a Millionaire, Even If You're Not," we asked di Giusto how anyone could look like a millionaire, regardless of their net worth. Here's what she said, with some of Oliver's advice thrown in.

Vivian Giang contributed to this article.

SEE ALSO: 13 science-backed ways to appear more attractive

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

Invest wisely by using the one-third rule.

Every man should have at least one good suit, and every woman should have at least one good jacket with matching pants or a skirt. Di Giusto recommends that these "investment pieces" should feel expensive, but that for her clients, "The more they make, the more they have to invest."

She clarifies that professionals can "shop smart," as long as they don't skimp on quality. She recommends visiting designer outlets, as well as online equivalents, like The Outnet and Gilt.

In her book, Oliver recommends sticking to the "one-third rule": Buy "one-third as many clothes as you do now, but spend three times as much on each item." So instead of buying three pairs of pants at average prices, buy one pair of expensive pants and wear them everywhere.



Consider every detail, down to your iPhone case.

Di Giusto remembers a job applicant she interviewed when she worked for a German company. The interviewee looked great and said all the right things. At the interview's conclusion, he took out his iPhone to schedule a follow up. As he edited his calendar, di Giusto noticed an offensive word emblazoned on his phone's case, and in that moment she found herself questioning everything she previously thought about him. She ended up hiring him, but he almost invalidated a great first impression with a careless oversight.

"If you're serious about your image, you need to be aware that it goes far beyond your suit," di Giusto said. That means realizing that your desk, your accessories, and even your smartphone's case need to be an extension of your professional image.



Conform your style to your industry, but allow one "statement piece."

It should be evident that regardless of your company's dress code, there's a general way that people dress according to industry.

Di Giusto recommends that for the most part, you should not try too hard to distinguish yourself. If you work in finance, dress conservatively; if you work in tech, go for casual chic. A good rule of thumb is to dress the way your company's executives do.

That said, di Giusto doesn't want her clients to turn into boring clones of each other. She recommends one flexible statement piece appropriate for the workplace. For example, di Giusto has a pair of unique eyeglasses she likes to wear with business attire. She also mentioned a CEO who dresses the part in traditional dark suits, but has them lined with flashy pink or floral patterns.



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5 things I gave up to pay off $68,000 in debt

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woman in a field

When I graduated in May 2011, I had $68,000 in student loan debt. I knew that paying off my student loans was going to be tough, but was determined to do it as quickly as possible.

In order to pay off debt, I would have to do two things: spend less and earn more. I promptly began to side hustle, while also making lifestyle choices that helped my bottom line. Over the past four and a half years, I've continued to live this way and have paid off $54,000.

But it didn't come without sacrifice. Here are five things I've given up to pay down debt — and whether or not the sacrifice was worth it for me:

SEE ALSO: How a Missouri high-school teacher ended up with $410,000 in student-loan debt

1. Health insurance

For the first two years after graduation, I was working part-time and seasonal jobs that didn't offer health insurance, so I decided to go without it. Not having health insurance amounted to an annual savings of $3,000.

(However, it's important to note that since 2014, the 2010 Affordable Care Act mandates that you can't go without health insurance without paying a financial penalty. In 2016, an individual without health insurance will be charged 2.5 percent of his or her household income or $695, whichever is higher.)

Even though it made me nervous going without health insurance, everything was fine — until I got really ill. One hospital visit later, and I was cursing myself for not getting health insurance. I was able to get the total bill partially covered because of my low income, but had to pay a little over $1,000 for hospital-related costs.

In the end, I still saved money, but I don't think it was worth it overall. I was constantly anxious about getting ill and when I did get sick, it proved to be an expensive and unnerving situation.

Total Savings: $3,000+ per year.
Worth it? No.



2. Having a pet

Growing up, I always had cats. I adore cats, but made the tough decision to not get a pet until I was debt-free. I know deep down that pets are worth it and can change your life, but I can't justify the expense until my debt is paid off.

According to the ASPCA, cats can cost around $1,000 per year. However, the actual cost of owning a cat isn't what pushed me toward this decision — it was seeing many friends take their cats to the veterinarian for a surprise visit because of a swallowed needle or some other mishap, and having to pay between $2,000 to $5,000 for the visit. I didn't want to put myself in a position where I'd have to decide between caring for my pet or paying my student loans that month.

Total Savings: $1,000+ per year.
Worth it? Yes.



3. TV/cable

I gave up television after I graduated from college and moved out of my parents' house, and I've never looked back. In all these years, I've never had a television or cable. Only recently did I end up getting Netflix.

Buying a television would cost several hundred dollars, and cable could cost between $20 and $80 per month. For something I don't miss, it definitely wouldn't be worth the cost. I'm happy sticking to library books and Netflix, which costs less than $10 a month.

Total Savings: $240 to $960+ each year.
Worth it? Yes.



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The Soviet Union wanted to use this bizarre plane to hunt American nuclear submarines

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Bartini Beriev VVA-14 Soviet Plane

Throughout the Cold War, the Soviet Union and the US were constantly trying to check each other's military power. This drive for each country to outdo the other led to some truly bizarre pieces of military hardware.

One of the most astounding Soviet creations was the Bartini Beriev VVA-14. The plane, whose pontoons give it the bizarre look of a bomber airframe strapped to two "Star Trek"-like nacelles, was the work of Italian designer Robert Bartini.

It was envisioned as a vertical-takeoff amphibious aircraft designed to act as a defense against US nuclear submarines. It was supposed to be able to skim the surface of the water, allowing it to have eyes on underwater targets while keeping it safe from sub attacks.

Only two Bartini Beriev VVA-14 prototypes were built, and the project was eventually scrapped.

SEE ALSO: 7 unbelievable military weapons most people have never heard of

The Bartini Beriev VVA-14 had a three-person crew.



The plane's first flight was held on September 4, 1972. At the time, the prototype had yet to be outfitted with its pontoons for aquatic landings.

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The addition of the pontoons allowed the VVA-14 to land at sea.



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This company is creating incredible 3D printed food you can eat

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Ready to taste the future of food?

Tech Insider spoke with Lynette Kucsma, the co-founder of Natural Machines, a Barcelona based food agency rolling out Foodini, a 3D food printer.

That's right. Printed food, like pizzas, burgers, and spaghetti

First announced in 2013, Kucsma is excited to introduce people to printed food, but understands if we're, at least initially, confused.

"You're not gonna walk into a kitchen appliance store, see a 3D food printer and say 'Hey I need one of those, let me buy one!'" Kucsma told us. "It's too new of a concept, people don't know what it is." 

But she thinks that's about to change.

Kucsma says consumers in more than 80 countries have expressed interest in the device. At about $2,000, Foodini is primarily used by high-end kitchens and restaurants right now. But Kucsma sees them as part of a typical household within the next ten years. 

Keep reading to learn more about 3D food printing, and how long it will be until you have a food printer in your kitchen.

The first thing to understand about Foodini is that it doesn't make food from scratch. It's cool, but it is not magic.

cupcake-1

Think of a pastry bag icing a cupcake. Edible material is placed inside the pastry bag and you guide it as it flows from the pastry bag onto the cupcake base. Similarly, a food printer releases edible material, following a precise, set pattern. Check out these goldfish crackers, below. 

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The food material follows a goldfish pattern as it is released from the printer. The consumer supplies the actual food, while Foodini guides ("prints") the edible material according to a specific pattern. The entire process takes only a few minutes.



The consumers themselves supply the cooking ingredients, which is then placed into stainless steel capsules.

Foodini ships with capsules which consumers fill with their own ingredients. The capsules are re-usable and just need to be cleaned and refilled after use. Natural Machines doesn't actually supply the ingredients that go into the capsules, but Kucsma says this sidesteps the need to put in additives or chemicals to preserve food during the shipping and storing process. 

"We don't require any gelling agents or special chemicals to print," she told us. "It's just fresh, real food."

In the future, however, Kucsma says Natural Machines will work with certain retailers and delivery services that will allow consumers to purchase ready-made food capsules, which they can then print. Kucsma says this is a healthier alternative to snack food from the grocery store, because these foods are local and unprocessed. 

"A lot of those retail and food manufactures are actually approaching us," Kucsma said. "So there's a huge interest in 3D food printing right now, especially with the way we're doing it with the fresh ingredients."



Kucsma says the culinary world has responded very well to the device, with high-ranking chefs saying it's perfect for precise, repetitive tasks.

Creating dishes like the vase or star seen above require near perfect placement, over and over again. Kucsma says one of the reasons chefs have taken to the device is because of its incredible precision. 

"They totally get it in five minutes or less," Kucsma says. "They get very excited about it. They are not at all worried that it will replace them in the future, that's not our intention. They look at it as a kitchen tool that allows them to plate presentations or dishes that they just cannot physically do by hand or to automate certain food tasks."

In March, BBC News profiled chef Paco Pérez, a Catalonian Michelin-star awarded chef who used Foodini to create a signature dish he called "Sea Coral."

"I think it's very interesting," Pérez said, "what today's technology is contributing to gastronomy. Creativity is shaped by what technology can do."



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You can now rent Eli Manning's swanky New Jersey condo for $18,000 a month

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eli manning hoboken

Eli Manning, quarterback of the New York Giants, has put his New Jersey digs up for rent for $18,000 a month.

The 3,500-square-foot condo has been up for sale since May 2015, with a listing price of $5.2 million, but it has just recently become available to rent.

It's a triple unit with stunning Hudson River views, a playroom, and an office, all in one of Hoboken's most luxurious buildings, the Hudson Tea Building.

Manning is heading out after eight years at this home because he needs a bigger place for his family, according to a representative from real-estate broker Douglas Elliman.

The condo is listed with Lisa Poggi of the Sroka Worldwide Team of Douglas Elliman. Take a look inside the famous quarterback's quarters below:

SEE ALSO: Arianna Huffington is offering the chance to stay in her gorgeous home for free through Airbnb — take a look inside

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The view across the Hudson River from the Hoboken condo offers a picture-perfect shot of the iconic Empire State Building.



The three-bedroom, triple-unit condo is laid out to maximize the view.



A spacious kitchen includes a booth-style breakfast table.



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The 14 best business schools outside the US

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London Business SchoolMore than one-quarter of the top-50 schools on our sixth annual ranking of the best business schools are located outside of the US. So we compiled a second ranking featuring only international institutions. 

London Business School ranked No. 12 on our overall list of the best in the world, but it was the top-ranked international school, followed by France's INSEAD, which ranked 18th on our global list.

To determine our original ranking we looked at 60 perennially top-rated institutions that offer MBA programs and evaluated them based on the most recent data available on five metrics: reputation, average starting salary after graduation, job-placement rate, average GMAT score, and tuition and fees. Read a breakdown of the methodology here.

Here are the 14 best business schools based outside the US.

Editing by Alex Morrell with additional research by Andy Kiersz.

SEE ALSO: The 50 best business schools in the world

NOW READ: The 50 best colleges in America

14. Nanyang Technological University, Singapore — Nanyang Business School

Location: Singapore

Average starting salary: $80,300

Average GMAT score: 665

Nanyang's double MBA and master's degree programs allow students to earn a simultaneous degree from partner business schools, such as a second MBA from Waseda University in Tokyo or a master's in management from France's ESSEC Business School.

All students complete a weeklong Business Study Mission, locally or overseas, in which they attend seminars with industry leaders, meet with local business associations, and visit businesses. The study mission gives students an opportunity to build professional networks and apply what they learn in the classroom to real-world environments.



13. University of Toronto — Rotman School of Management

Location: Toronto, Canada

Average starting salary: $88,400

Average GMAT score: 663

The Rotman School of Management is the only Canadian MBA program on our list, offering students the best business reputation in the country. It draws recruiters from Toronto and beyond, including companies like the Royal Bank of Canada, Bain & Co., IBM, Microsoft, and Accenture, among others.

The school started its own venture incubator in 2012 called the Creative Destruction Lab, and Rotman MBA students are tasked with providing analysis and insight for the lab's startups. Its first cohort has generated more than $165 million in equity value.



12. China Europe International Business School — CEIBS

Location: Shanghai, China

Average starting salary: $76,200

Average GMAT score: 690

Shanghai is China's top economic and financial powerhouse, and CEIBS puts students in the heart of it all. Two-thirds of graduates stay in Shanghai, and 21% go into financial services. CEIBS, established in 1994, has been dubbed mainland China's leading business school for its global focus and wide variety of tailored electives.

The school also partners with Cornell, Johns Hopkins, and the Fletcher School of Law and Diplomacy for students who want to pursue degrees in hospitality management, health administration, and law, respectively.



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