Microsoft officially released its new Office suit on Tuesday and we’ve been playing with it for a few days now. For the most part, we like it!

This is a major redesign for Microsoft's popular Office suite, which includes Word, Excel, PowerPoint, Access, Publisher, OneNote and Outlook. Microsoft added new features to all of them and made them work better with touch-friendly Windows 8.

Microsoft is trying something new this time. You have a couple of ways to buy the same software, Office 2013. You an pay $99 a year and download it onto five other PCs and/or Macs. That's called the Home Premium version, and that's the version we tested. Or you can pay more to get a "perpetual license" and put it on one PC, the same as you've always done

Word 2013: Read mode

Word can become an e-reader. Select "Read mode" and it removes the tool bars and lets you tab or swipe your way through a document. It bookmarks your spot, too.

Word 2013: Video heaven

Word is now video friendly. You can search for videos on the Web and YouTube (via Microsoft's search engine, Bing) and add them to your documents without leaving Word. Word can also play embedded videos.

Word 2013: PDF friendly

Word now does really good job converting PDFs into Word format. You can open a PDF in Word or insert one (or part of one) into your document. (Use: Insert/Object/Text from file).

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You want to quit Facebook, but you can't.

The social network's hold on your personal and professional information is huge.

And who wants to be judged for not having the service? Think of the ridicule!

Whenever Facebook adds or changes features, users always say they want to quit the social network, but you, my normal friend, will not.

You'll read about how Facebook has "slowly but surely helped itself — and its advertising and business partners — to more and more of its users' information."

You may feel a slight twinge of anxiety. But you'll stay on Facebook forever.

How will you remember anybody's birthday?

You're not going to go back to waiting an hour to send an email to 30 people with 40 photos. attached.

How will you stalk your college boyfriend's new fiance?

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Super Bowl XLVII is on right now but you don't have to wait until the game ends to check out the ads.

Skip straight to the ads →

With some advertisers shelling out as much as $4 million for a 30-second time slot, companies started rolling out teasers for their big game commercials weeks ago to get the most bang for their buck. 

And with just four days to go before the game, almost every single company has unveiled the ad it will be playing in the game.

This year's spots will star Sports Illustrated models including Kate Upton and Bar Refaeli, comedians like Seth Rogen and Amy Poehler, and a strange fish that sings "Yo Diggity." (Really.)

We've compiled a list of all of the ads that you will see Super Bowl Sunday — we've included some "teasers" as well if the full spot hasn't been leaked early — and the order that they will be playing in, based on quarter. Some advertisers haven't announced when their commercials will air, so those have been placed in our "undisclosed" section.

Tell us your favorites in the comments and check back at this story or Business Insider's Advertising news channel as we live blog Super Bowl Sunday, as more commercials get released.

Here we go!

Budweiser Black Crown — "Coronation" will be the first ad in the Super Bowl. "Coronation" (see teaser below) will also play in the first quarter.

Created by Anomaly.

Audi — "Prom"

Created by Venables, Bell and Partners.

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Last year, when we published a survey of advertising in Islamic and Muslim countries, the slideshow was one of our most popular galleries of commercial creativity.

From McDonald's famous golden arches in jarring Arabic script, to a beauty contest in which only women's eyes were shown, we were all fascinated by the way advertisers in strict religious cultures handled — or avoided — the universal themes of sex, wealth and consumption.

Now we've updated our survey of Arabic and Middle Eastern advertising. 

The one thing that hasn't changed is the cleverness with which advertisers handle the burdensome rules on their creativity.

Here's a look at several campaigns from big, international brands that have specifically Muslim pitches for their brands. We selected the work from the invaluable Ads of the World web site.

This looks like an ad that might run in the West, except for two details. First, she's a brunette. Blondes almost never appear in ads targeting Muslims. Second, it's an ad for "anti-aging" cream, which would likely be an illegal misleading claim in the U.S. Client: Minus 10 anti-aging cream. Advertising Agency: Gulf Marcom, Manama, Bahrain

There's a stereotype that because many Muslim women cover themselves that this means there is an overall ban on nudity or sexuality in their pop culture. In fact it varies from country to country. Client: Esemmat Insect Killer: Advertising Agency: TBWA, Istanbul, Turkey
.

This ad for a Dubai tourist spot is an excellent example of the tightrope that advertisers walk in Islamic countries. If this was a Western resort, she'd be in a bikini. Client: Maydan Beach. Advertising Agency: Gyro, Dubai, UAE.

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It may look good, but the F-35 Lightning II has some serious issues, and it has a long way to go before it can be rolled out for combat missions.

It's gone through 20,000 tests of its systems, but has about 40,000 more to go.

Despite this, it's not likely that the F-35 will ever be scrapped. As we reported back in November, there are simply too many countries that have invested time and money into the program.

It is, quite literally, an aircraft that is "too big to fail" despite facing lifetime operating costs of $1 trillion.

We've gone back and looked at the biggest problems with the F-35 program, according to an official Pentagon report.

Developed by Lockheed, the fighter has three variants: the conventional F-35A for the Air Force; the F-35B for the Marine Corps, which can take off and land vertically; and the F-35C for the Navy, a carrier version.

If all goes to plan, the Pentagon is on track to spend a huge figure of $396 billion on the jets, including R&D. It doesn't help that the cost to build each F-35 has risen to an average of $137 million from $69 million in 2001.

But more horrifying is not the cost of buying F-35s but the cost of operating and supporting them: $1 trillion over the plane's lifetime. Ranking member of the Senate Armed Services Committee, Sen. John McCain, described that estimate as “jaw-dropping."

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Earlier this week, it was announced that Toyota officially surpassed General Motors as the world’s leading auto manufacturer, reclaiming a title it lost to the American company in 2011 following a series of huge recalls that tarnished the public’s perception of the manufacturer.

Toyota’s triumph may be short-lived, however. On Thursday the company announced the recall of 1.3 million cars due to a risk of airbags deploying without warning.

Jump ahead to see the recalls >

The timing could not have been worse for the Japanese automaker. One of the major reasons Toyota lost its title in the first place was the fiasco over uncontrolled acceleration caused by faulty floor mats.

Dozens of people may have been killed because of this. Subsequent recalls and lawsuits could cost the company as much as $5 billion, and damaged its reputation enough to cause people to choose other automakers.

Recalls are actually far more common than many people realize. In the past three years alone, several thousand have taken place, although most of these affected a relatively small number of vehicles. The truly massive recalls, like the Toyota sudden acceleration issue, occur far less frequently. Of the 10 biggest recalls since the National Highway and Transportation Safety Administration began compiling data in the 60’s, only two have occurred in the past ten years.

A review of similar recalls reflects how damaging they can be to company and sales. In 2000, Bridgestone/Firestone recalled millions of tires on several of its models, including the Explorer, the most popular SUV in America at the time. The cars, equipped with Wilderness AT Firestone tires rolled over when the tire tread separated with alarming frequency, potentially causing more than 200 deaths.

Edmunds.com analyst Jeremy Acevedo explained what a disaster the Firestone incident was for Ford.  “A long time leader of the segment, the Explorer’s market share dipped from 20.4% of the Midsize SUV market in 2000 to 17.8% in 2001. That would mark the beginning of the slide in market share for the Explorer that would last for several years.”

While the worst recalls on record are truly massive, affecting several million vehicles and hurting the company’s image, Acevedo explained most cases do not have the same serious negative impact. “Recalls are a part of car ownership and most make no lasting impact on consumer’s perception of the brand, or the brand’s sales.”

In 1981, after complaints of vehicles shifting out of park into reverse and injuring hundreds, the NHTSA forced Ford to take action and deal with the 21 million vehicles that could have potentially been affected by the issue.

Rather than offering to fix the problem, however, Ford was permitted to send warning stickers to owners of the affected models instead. While it was the largest recall of all time, it only cost the company several million dollars — instead of several billion.

Based on data collected from the NHTSA’s recall database, 24/7 Wall St. identified the 10 biggest car recalls of all time. In some cases, a single cause had several different recall numbers while the manufacturer tried to identify the source of the issue.

In those cases, we counted the different recalls were treated as a single issue. In the case of the 1981 Ford recall, while the automaker never technically issued a recall of its vehicles, it is considered by the NHTSA to be a type of recall, and we treated it accordingly.

These are the largest car recalls all time.

#10 Volkswagen (1972)

Vehicles affected: 3.7 million (tied-ninth highest)
Issue: Wiper screw coming loose
Components affected: Windshield Wiper

In 1972, a recall was issued for Volkswagen vehicles from the 1949 through 1969 model years. According to the NHTSA, the screw securing a car’s windshield wipers could be loosened, causing drivers to struggle to see the road during rain storms and snowy conditions.

Prior to issuing a public announcement, the NHTSA had received complaints from more than 70 Volkswagen owners. However, according to a 1973 United Press International article, “Volkswagen decided the problem was not safety related and that owners should pay for repairs.”

#9 Honda (1995)

Vehicles affected: 3.7 million (tied-ninth highest)
Issue: Belt buckle release breaking
Components affected: Seat belt buckle assembly

Honda was forced to recall 3.7 million cars in the mid-nineties due to a defective seat belt buckle assembly. This recall affected the Accord, Prelude and Civic models from the 1986 through 1991 model years.

A number of models from Honda’s Acura line were also impacted. The seat belt release button In the recalled cars had the potential to break — a problem the NHTSA determined “worsens with time and exposure, creating a greater risk of buckle failures as time goes by.”

In all, numerous Asian and American automakers were hit by recalls for the seat belts, which were made by Takata Corp., but none were more affected than Honda, which had hundreds of thousands more vehicles recalled than the next-highest carmaker, Nissan.

#8 General Motors (1973)

Vehicles affected: 3.7 million
Issue: Stones entering engine compartment
Components affected:Underbody shields

More than 3.7 million General Motors vehicles from the Buick, Chevrolet, Oldsmobile and Pontiac lines were recalled in 1973.

The problem: stones from graveled and unpaved roads could become stuck in the engine compartment, potentially affecting the driver’s ability to steer.

This was corrected by installing a gravel shield over the steering coupling. According to United Press International, the Center for Auto Safety alleged that it had alerted GM to the problem in July 1972, six months before the automaker initiated the recall.

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One of Laura Martone’s favorite New Orleans jazz clubs is the Spotted Cat, which offers cachet—it’s been featured on the HBO show Treme—without high prices.

“Despite the awesome music, patrons are almost never charged a cover,” says the author of the American Nomad travel blog. “And the one-drink minimum is totally reasonable.”

See The Best U.S. Cities for Affordable Getaways >

That kind of easy-on-the-wallet atmosphere helped New Orleans place in the top 10 of America’s Most Affordable City Getaways, according to Travel + Leisure readers. In the annual America’s Favorite Cities survey, travelers ranked 35 cities for qualities that span the price spectrum: from fine dining to street food, from luxury shopping to flea markets.

Finding deals is a priority for plenty of travelers who wish to trade in staycations for a real vacation again. “I think there’s a lot of pent-up demand from people who have been working more hours and taking less time off,” says Tim Leffel, author of The World’s Cheapest Destinations.

So what makes a city a great value? Reasonably priced hotels and restaurants, certainly, as well as enticements such as budget-friendly theater tickets, free museums, or low gas prices. The survey’s winner, Kansas City, has an average nightly hotel rate of about $100 and also won the T+L survey for cheap, mouthwatering barbecue.

Kansas City’s airport offers relatively low airfares, too, as does another top-five city: Puerto Rico’s San Juan. To offset the high prices of poolside cocktails, the island city offers the nation’s top-ranked street food and walkable streets in Old San Juan.

The ability to explore a city by foot also boosts its affordability. That may explain why sprawling Dallas/Fort Worth—which has reasonably priced hotels, but ranked as the least pedestrian-friendly city in the survey—scored poorly for overall affordability.

Small costs—a taxi ride here, a club cover charge there—add up over the course of a trip and can turn off a traveler to a particular city or venue. Leffel agrees with a recent survey that revealed how much travelers dislike one particular fee: paying for Wi-Fi at a hotel. “Charging for Wi-Fi is as silly as charging for hot water,” says Leffel. “Even millionaire entrepreneurs will skip a hotel that charges for Wi-Fi, just on principle.”

This post originally appeared at Travel + Leisure.

No. 1 Kansas City, MO

Dinner for two in this midwestern city can cost as little as $25, especially if you choose a spot such as Arthur Bryant’s, one of the restaurants that helped Kansas City win the barbecuecategory. The survey’s most affordable city also entices travelers with its low airfares—no one airline dominates Kansas City International Airport—and freebies, such as tours of the Harley-Davidson Plant and Boulevard Brewing Company.

See all the America’s Favorite Cities survey results.

No. 2 Salt Lake City

Voters like this Utah city for being mellow and tidy—and it’s easy for skiers to streamline expenses here. The city’s Super Pass, a lift ticket starting at about $65 a day, gets you into Alta, Brighton, Snowbird, and Solitude and includes a free bus or light rail ride from downtown. Still others come here to explore the 10-acre Mormon complex of Temple Square, the state’s most popular attraction.

No. 3 Nashville

In the No. 2 city for live music, you can access the Nashville Sound for free, and without even trying very hard. Check out the legendary Tootsie’s or Robert’s Western Wear downtown, where you’ll pay no cover early in the day, or see who’s playing onstage in stores such as boot shop Peter Nappi or Grimey’s New & Preloved Music. Voters gave Nashville a thumbs-up for its wallet-friendly burgers, but you can also get a James Beard Award–winning meal of southern comfort food at Arnold’s Country Kitchen for about $10.

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The best place to watch the Super Bowl is probably from the stadium itself, but the second-best place is a cozy, bear-like man cave.

Think about it: plush armchairs, all your friends around, and your favorite game day snacks without ever having to leave home. Sounds pretty good.

Our friends at Estately.com tipped us off to some homes on the market that feature some awesome man cave basements and lounges.

Here are 15 you'll wish you were relaxing in on Superbowl Sunday.

The country-style man cave in this Graford, Tex. home features a relaxed setting where you can kick back with a beer and admire the cool guitars on the wall in between plays.

Click here to see the listing on Estately >

Take the elevator down to the media room in this Arlington, Tex. home and make use of built-in electronic screens and remote control drapes.

Click here to see the listing on Estately >

This man cave is like a real cave at this home in Rancho Santa Fe, Calif. Head outdoors to the covered hot tub and soak while you watch the game on a wide-screen TV.

Click here to see the listing on Estately >

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DIRECTV put on its seventh annual Celebrity Beach Bowl at the Super Bowl on Saturday and some big names participated this year.

The Beach Bowl began when DIRECTV's senior VP of advertising and public relations, Jon Gieselman thought it up seven years ago, and it was put together quickly. Gieselmen told Forbes:

"Seven years ago, I was sitting in my office with a friend of mine who runs an agency that we work with.  It was like December 15 and it was late at night and we were talking about things we wanted to build.  I said that we should do something around the Super Bowl.  Together, we came up with an idea of having celebrities and retired NFL greats play flag football on the beach.  That year, the Super Bowl was in Miami.  So, we very quickly, in a month-and-a-half pulled the event together."

Now, the Beach Bowl is televised nationally, and internationally, and there's a giant fancy party afterwards. 

Model Chrissy Teigen was there, drinks in hand

Erin Andrews helped host the event, Deion Sanders played

Friends, Teigen and Andrews joked around on the event's "red carpet"

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New research from Gallup  Polling has identified the ten most liberal states in the United States.

The research was carried out over all of 2012 and found that Americans have become more liberal compared to previous years. 

Still, some states stand out for their high proportion of self-identified liberals.

Here are the top ten states with the most people who identify as liberal. 

9. Hawaii (TIE) — 27.7 percent liberal

9. New York (TIE) — 27.7 percent liberal

7. Rhode Island (TIE) — 28.3 percent liberal

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For all the talk of the "death of traditional retail," due to online shopping, e-commerce is still a relatively small part of the American retail scene.

In 2011, e-commerce accounted for a scant 4 percent of American retail sales.

It is, however, growing faster than its offline counterparts, and it is being fueled further by two new dynamics: mobile commerce and social media.

According to comScore, mobile now accounts for 10 percent of e-commerce purchases. It will only grow further as sales of mobile devices continue to skyrocket.

Meanwhile, Americans spend an enormous amount of time on social networks, especially on mobile devices. 

New "social commerce" sites like ShoeDazzle and Fab are emerging, hoping to harness consumers' trust in the recommendations of family and friends. They're growing fast. 

We’re hosting our annual Social Commerce Summit this Wednesday in New York City. We invited leaders in the social commerce space— from disruptive startups to the Fortune 500— along with investors and analysts, to explore customer acquisition, retention, engagement, loyalty and much more. Join representatives from Facebook, Foursquare, One Kings Lane, Rue La La, Group Commerce, HSN, Sears, Walgreens and many more.

The slideshow below is a preview of Henry Blodget’s opening keynote. Join us on Wednesday or find extended coverage here on Business Insider after the conference. 

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Three years ago, a Santa Monica Airport restaurant known as The Hump was caught serving illegal whale meat in an undercover sting operation.

The restaurant was closed, and the two chefs and parent company seemed to get away with only slap-on-the-wrist misdemeanors that were soon dismissed by federal prosecutors. But the story wasn't over.

Now, a federal grand jury has indicted the owners and two chefs with nine counts of conspiracy and smuggling felony charges. If convicted, chef Kiyoshiro Yamamoto could face 67 years in prison, and the restaurant's parent company could face a $1.2 million fine, according to a report in the LA Times.

The second chef could get 10 years if convicted.

The original charges were levied after a sting operation led by rock singer Zoli Teglas and the documentarians of The Cover, which exposed dolphin hunting in Japan.

A waitress at The Hunt described a dish as containing "whale," and the meat was then analyzed in a lab and determined to be the endangered Sei whale meat. Sei whales are protected under both the Endangered Species Act and the Marine Mammal Protection Act.

SEE ALSO: The 10 Restaurants Wall Streeters Love When They're Stuck At Their Desks For Dinner

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Join the conversation about this story »

High on our list of 13 Places You Need To Visit In 2013, Antarctica is one of the most strange and breathtakingly beautiful places on earth.

The continent has become a hot tourist destination — 35,000 visitors are expected to visit this coming season alone. (To put that in perspective, Antarctica's "permanent" population typically ranges between 1,000-4,000, most of whom are international scientists).

Click here to jump right to photos of Antarctica >>

The most common ways to see Antarctica are commercial cruises with shore visits, land expeditions, or sightseeing by air. In 2011, Sandy and Steve, two retirees living in Minnesota, hoped to try the 11-hour Antarctica-flyover excursion from Punta Arenas, Chile to see the frozen scenery for themselves.

There was only one problem — that flight is known as one of the most cancelled excursions in the world due to bad weather, and Sandy and Steve's trip was no exception. They wrote off ever visiting the continent again.

But when Sandy received an email from Abercrombie & Kent, a cruise and adventure company, touting the itineraries on its cruise ship Le Boréal, she decided to give it another shot. "I searched for 'Antarctica Le Boréal' on Flickr and was blown away by a set of photos from a January 2012 cruise," she told Business Insider in an email. "Almost immediately we booked our trip!"

The couple — whose previous travels have included destinations such as China, central Asia, Tanzania, Bora Bora, the Falkland Islands, and much of Europe — was impressed by the unique wildlife, pastel wilderness, and sense of exploration Antarctica offered its visitors.

They were also struck by the level of environmental awareness on the cruise, which travels through some of the world's most at-risk wilderness. Sandy explained: "Only 100 people could be off our ship at a time. Each time before boarding a zodiac, we walked through a disinfecting liquid to clean our boots. We were told that if a plastic bag were to fly away in the wind, we’d be chasing it down to retrieve it. Major efforts are important for keeping Antarctica pristine."

In total, the Minnesota couple spent five full days in Antarctica, getting close to penguins, hiking Cuverville Island, whale-watching, and touring the world's least-populated continent and last frontier. Abercrombie & Kent's Antarctica trips start at $9,895 per person.

Click here to explore Antarctica >

Have an amazing travel story and photos to share? Send an email to thelife@businessinsider.com and we could feature your adventure next.

For reference, here's the trip route. The couple took a plane from Buenos Aires down to Ushuaia before starting their cruise along the Antarctic Peninsula.

An idea of how much luggage Sandy and Steve brought with them as they pose outside the Minneapolis-St. Paul Airport.

On board Le Boréal in port at Ushuaia, Argentina and ready to leave. In the background is the National Geographic Explorer, one of several ships that cruise to Antarctica.

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There's really nothing like living on the ocean, perhaps that is why investment banker Rick Viton and his wife bought this Old Greenwich, CT home for $7 million and completely redesigned it inside and out (h/t WSJ).

The five bedroom house sits on one acre and comes with a private deep water dock, 4 full bathrooms and two half baths, a pool and a spa. Paul Larson of Sotheby's International in Greenwich has the listing.

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About 108.4 million people watched the Baltimore Ravens defeat the San Francisco 49ers 34-31 in the 2013 Super Bowl at the Superdome in New Orleans last night.

Ads cost up to $4 million per 30-second unit.

So, was it worth it?

For many brands — such as Budweiser — the answer is already a resounding yes. The early data shows their ads resonated deeply with viewers.

But for others, such as Go Daddy, it was a mixed bag. People noticed their ads but didn't like them.

And plenty of companies just didn't move the needle at all.

Oreo owned Twitter: This chart from Salesforce Marketing Cloud shows how effective the cookie brands opportunistic tweet was when the lights went off in the stadium — "Power out? No problem. You can still dunk in the dark." It was retweeted more than 14,800 times.

But Go Daddy really screwed up: Of these major brands, it was the only one to emerge with mostly negative sentiment among viewers.

All publicity is good publicity: Brands get social media mentions just for being one of the game's advertisers, even before the game.

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In what could be one of the biggest residential real estate stories of the year, a historic estate in Hillsborough, Calif. has hit the market for $100 million.

The 47-acre spread has belonged to members of the de Guigne family for 150 years, and is finally being sold by Christian de Guigne IV for "estate-planning purposes," according to The Wall Street Journal.

The sale has one unusual stipulation: de Guigne, 75, comes with the home. He's retaining a "life estate" on the property, meaning he will have exclusive use of the home until he dies, according to The WSJ.

The 16,000-square-foot mansion has seven bedrooms and a servants' wing. The property also has formal gardens and two reservoirs. It's being sold by Sotheby's International Realty; Gregg Lynn and Bernadette Lamothe have the listing.

This map gives an idea of how big the de Guigne estate is. The 47-acre spread sits on the top of a hill and has views of San Francisco.

A 4,500-foot driveway leads up to the main home.

The centerpiece of the property is the mansion, which is 16,000 square feet.

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We just broke news that Twitter bought a startup called Bluefin Labs.

Bluefin Labs is a social TV analytics company that was founded in 2008.

It keeps track of how much users are talking about brands and TV shows on Twitter.

Why would Twitter buy it?

The company hasn't responded to our requests for comment.

A source familiar with the deal, however, tells us Twitter essentially made a case for the deal in a report it put together for brand advertisers in January called "Tune In With Twitter."

We have a copy. Now you do, too.

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There may be no better way of explaining the world than through maps.

Whether they depict oil flows, internet cables, or migration patterns, a good map can explain a concept in a way that no other visualization can.

They may be even better than charts. 

We've compiled 36 cartographic visualizations that depict the state of the world in 2013, and how we got there.

Tax payback: red indicates states that get more than a dollar back for every dollar of taxes paid

Worldwide Oil Import And Export Flows: Saudi Arabia is the biggest hub still. Next up is Indonesia.

Strategic oil reserves: everyone's got one.

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America's image is that of a place where anyone can grow up to be president, and even a college dropout can found a multi-billion-dollar empire. 

But one need only look at our finances to see not everyone gets out of the gate on equal footing.  Overall, consumer household income has continually dropped over the the last decade, and at the same time, the costs of basic necessities like health insurance, housing, and education have continued to soar.

What has resulted is a deep divide between the rich and poor, and even more people  –– both low- and middle-income earners –– who find themselves unable to save for even short-term emergencies. 

A sobering new report by the Corporation for Enterprise Development (CFED) shows nearly half of U.S. households (132.1 million people) wouldn't last three months if they ran into bumps in the road like unemployment, natural disasters, or a medical emergency.

In fact, more than 30 percent don't have a savings account at all, and another 8 percent don't even bank, period. 

Using the CFED's detailed analysis of each state's financial security, we honed in on the 10 places where Americans would be least likely to cope in the face of unexpected disasters.

10. Louisiana

Louisiana arguably has no shortage of consumers who are aware of the damage that unexpected disasters like hurricanes can cause.  Yet the state ranks No. 10 for residents' ability to reach financial stability. 

Nearly half of adults are considered liquid asset poor, and about 40 percent have no savings account to rely on in times of need. 

The average worker takes home about $45,000 in salary, but nearly one-third of jobs on the market are considered low-wage by the CFED. 

Consumers carry about $7,400 in credit card debt, and more than two-thirds have subprime borrower status, which only ups the risk factor with unfavorable interest rates and fees. 

The state is also home to nearly 20 percent of uninsured consumers, 7 percent of whom are low-income children. 

9. Arizona

Despite the fact that Arizona has one of the higher savings account usage rates on this list, the state still has more than 45 percent of residents living in liquid asset poverty. 

There are nearly 20 percent of consumers who are uninsured, the vast majority of whom are low-income children (17.4 percent). 

Even educated adults carry quite a load of debt –– $19,950 for a four-year college degree –– while the average credit debt burden is $12,000 for all adults. 

The average take-home pay, $44,626, is hardly enough to match that kind of debt, let alone potentially disastrous emergencies. About a quarter of jobs are considered low-wage. 

8. New Mexico

In New Mexico, more than two-thirds of households have a savings account, but about half are still considered liquid asset poor. 

That could have much to do with debt burdens. The average consumer carries $8,055 in credit card debt, but 62 percent of adults have subprime credit, which means they're subjected to high interest rates that can make it even tougher to pay down those debts.

What's more, about one-third of jobs in the state are considered "low-wage," and 24 percent of adults are either unemployed or underemployed. 

The state has a 23 percent rate of uninsured consumers, about half of whom are low-income children. 

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As the Senior Director of Design & Web Development at LinkedIn, Steve Johnson is directly instrumental in LinkedIn's huge $13.25 billion market cap and user base of 200 million.

He recently shared the following deck on how LinkedIn's culture played into this killer growth.

Why not take a look and see if these strategies can work for your company too?

Here are some strategies that LinkedIn uses that you can employ in your own company

Recruiters should be as much a part of the team as anyone

Stay gimmick-free

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