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9 best housing markets for first-time home buyers

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Hermosa_ _Chicago,_IL_(housing)

It's tough out there for first-time home buyers.

The housing market is currently facing an under-supply problem that is helping to lift prices beyond the affordable reach of many Americans — especially for those looking to purchase their first home.

As such, the team at Zillow investigated which markets were the best for new home buyers.

They based their ranking on several variables, including the Zillow Home Value Index (ZHVI), which is essentially the median price for homes in a given area, the percentage of monthly income spent on a mortgage payment versus on rent, and available inventory.

Check them out below.

9. Tampa, FL

Zillow Home Value Index: $163,600

Available Inventory: High

People spend an estimated 15.2% of their monthly income for mortgage payments in Tampa, FL, but an estimated 32.2% of their monthly income for rent.

 

Source:Zillow



8. Houston, TX

Zillow Home Value Index: $172,100

Available Inventory: Average

People spend an estimated 12.5% of their monthly income for mortgage payments in Houston, TX, but an estimated 30.5% of their monthly income for rent.

 

Source:Zillow



St. Louis, MO

Zillow Home Value Index: $141,900

Available Inventory: High

People spend and estimated 11.2% of their monthly income for mortgage payments in St. Louis, MO, but an estimated 23.4% of their monthly income for rent.

 

Source:Zillow



See the rest of the story at Business Insider

POWER RANKINGS: Here's the movie people are most excited to see this summer

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Summer movie power rankings_captain america civil war

For Hollywood studios, the time between May and August can make or break a year.

Blockbusters have become the lifeblood of the studio system. The popularity of comic-book adaptations and sequels released in the summer led to a record-breaking 2015 at the box office (with a little help from “Star Wars” later in the year). 

As we prepare for another summer-movie onslaught, we’ve taken it upon ourselves to break down the most anticipated titles and what has the best shot at getting to the top of the heap.

Compiling box-office projections, our own poll of readers, and the hype machine, here's our ranking of the biggest summer movies of 2016.

SEE ALSO: 41 movies you have to see this summer

10. “Neighbors 2: Sorority Rising” (May 20)

One of the few comedies to crack the top 10 in our power ranking, this sequel is riding the wave of love for the first "Neighbors" from 2014, and the charm of Seth Rogen, Zac Efron, and Rose Byrne combined.

The movie came in third in a survey of most anticipated summer comedies by the country’s largest movie ticket seller, Fandango.

And with the original taking in over $150 million at the box office, there’s certainly a fan base who will run to its opening weekend — that’s evident with over 13 million having viewed the trailer on YouTube.



9. “Alice Through the Looking Glass” (May 27)

Though it doesn’t have the instant draw of other family-friendly titles coming out this summer, the sequel to Tim Burton’s 2010 “Alice in Wonderland” promises to be visually stunning and wacky.

Burton is only in the producer role this time around, but with Johnny Depp returning as the Mad Hatter and Mia Wasikowska as Alice, it's the third-most-anticipated family movie, according to the Fandango survey.

Wth the original earning over $1 billion worldwide at the box office in 2010, don’t be surprised if this “Alice” sequel becomes a major earner for Disney this year.



8. “Central Intelligence” (June 17)

There are no two actors more on the rise than Dwayne “The Rock” Johnson and Kevin Hart, so pairing them together in a film makes a lot of sense.

Both have an incredible reach on social media, and their previous movies have had impressive earnings.

Opening the same weekend as “Finding Dory” won’t affect the film's box office since the audience is different, and if it can bring something new to the buddy-comedy genre, this could be a sleeper hit of the summer.



See the rest of the story at Business Insider

8 tips for surviving the workday when you're going through a divorce

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sad at work

As someone who experienced divorce firsthand, Gregory Frank knows a thing or two about how tough it can be for professionals to get through the workday while ending their marriage.

"It is very difficult, if not close to impossible, for people to get up and go to work every day when they're going through that," says Frank, the CEO and cofounder of DivorceForce, an online community for those affected by divorce. "You have all sorts of emotions: fear, loneliness, anger, depression. These feelings take a toll on your ability to focus, have energy, and face the world. Most people feel very alone when in a divorce, so going to work is actually a smart move to help keep yourself busy, and stay social. It forces you to carry on each day."

But he says divorce can be a "major distraction that consumes your daily life and constantly interferes with your job.

"The phone calls, the discussions, the preparation … a divorce is detrimental when trying to focus as it occupies your mind, when you should be focused on your job. Divorce is the second most stressful life event behind the death of a spouse, so the key is to find ways to reduce that stress."

Luckily, he says, there are a few ways to do this. Keep reading for Frank's tips on how to maintain focus, stay productive, and get through the workday when you're going through a divorce:

SEE ALSO: 16 signs your job is destroying your marriage

Block divorce-related messages

Review divorce-related emails after work, Frank advises. "Reading motions and complaints from your lawyer during business hours is a no-no. You'll lose focus and potentially ruin the day. Only talk to your lawyer after work. Keep your communications regular and structured — you'll avoid the emotional roller coaster and cut down on your legal bills."



Find a safe space

Feeling stressed? Take a break.

"Go for a walk, get a cup of coffee, or go sit in your car or a quiet corner and shut your eyes for 10 minutes and just breathe," he suggests.



Keep your mind busy

Take on tasks, join group conversations, and add to your workload to stay busy, says Frank. "The more you have to do, the less time on your hands to focus on the divorce."



See the rest of the story at Business Insider

17 major European countries ranked by standard of living

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Alassio near San Remo, Italy

Europe has a high number of countries that boast some of the highest standards of living in the world.

Standard of living takes into account income, the cost of living, and purchasing power.

However, according to Glassdoor's latest report entitled "Which Countries in Europe Offer The Best Standard of Living?,” Britain languishes in the bottom half of the country rankings due to the huge amount of money Britons spend on housing.

“When it comes to compensation, a larger pay packet isn’t always better. What matters is the ability to afford useful things that enrich our lives,” said Glassdoor’s Chief Economist, Dr. Andrew Chamberlain in the report.

“Average wages vary considerably from one country to another but the gap between take-home pay and price levels has more relevance to the man on the street. A low cost of living, as you would find in Greece and Portugal, doesn’t count for much if average wages and purchasing power are similarly low.”

Business Insider took a look at the top 17 countries which have the highest standard of living in Europe:

17. Estonia — Glassdoor says in places like Estonia "the cost of living is relatively low [but] average wages and purchasing power are amongst the lowest in the region."



16. Greece — The country is still beset with economic problems where high unemployment and low pay coincide with a period where taxes are rising.



15. Portugal — The country is still going through a raft of austerity measures after receiving a bailout from international creditors so the job market is tight and wages are constrained while taxes remain high.



See the rest of the story at Business Insider

A map of the world's currencies, and how they compare to the USD

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north america currencies

The value of currency differs across the world and often change over time. The currency exchange rate converts the value of one form of currency into another.

Knowledge of this rate is especially useful when traveling to different countries. In a recent article released by Reuters, currency market strategists are predicting greater weakness in the US dollar over the next few months.

We created maps of areas around the world with the current value of 1 USD across each country’s respective currency.

 

SEE ALSO: Here is the map Donald Trump doesn't seem to understand

In the map below, currencies for North America are shown with the exchange rate of 21 different countries. The strongest currency is the Cayman Islands dollar. The exchange rate of the Cayman Islands dollar is 0.82 for 1 USD. The weakest currency is the Haitian gourde.  1 USD is equivalent to 61.4 Haitian gourde. The Cayman Islands is the only country with a stronger currency than the US dollar.



Strongest Currencies

  • Cayman Islands: 1 USD = 0.82 Cayman Islands dollar

  • United States: country uses USD as currency

  • Puerto Rico: country uses USD as currency

  • Panama: 1 USD = 1 Panamanian balboa

  • Cuba: 1 USD = 1 Cuban convertible  Peso

  • Bermuda: 1 USD = 1 Bermudian dollar



Weakest Currencies

  • Jamaica: 1 USD = 121.3 Jamaican dollar

  • Haiti: 1 USD = 61.4 Haitian gourde

  • Dominican Republic: 1 USD = 45.6 Dominican peso

  • Trinidad and Tobago: 1 USD = 6.6 Trinidad dollar

  • St. Lucia: 1 USD = 2.7 Caribbean dollar

  • St. Kitts Nevis Anguilla: 1 USD = 2.7 Caribbean dollar

  • St. Vincent and Grenadines: 1 USD = 2.7 Caribbean dollar



See the rest of the story at Business Insider

The 17 toughest business schools to get into in the UK

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KCL

Business and management degrees are some of the most competitive in the UK, with thousands of students every year trying to get places on a degree course that they hope will eventually lead to a lucrative career in finance or business.

But where in the UK is it most difficult to get onto a business and management degree course?

Using the Complete University Guide's annual ranking of the UK's 127 universities we took a look at the universities where getting onto a business and management course is the trickiest.

The report is one of the most comprehensive of its kind and orders institutions based on a number of metrics, including student satisfaction, quality of research, graduate prospects, and entry standards, as well as ranking all of these metrics by subject.

The ranking of entry standards takes into account the average UCAS tariff score of new students entering the system and offers an accurate picture of how difficult it is to get into each subject at every university.

The guide's website explains: "Each student's examination results were converted to a numerical score (A level A=120, B=100 ... E=40, etc; Scottish Highers A=72, B=60, etc) and added up to give a score total. The Higher Education Statistics Agency (HESA) then calculated an average for all students at the university. The results were then adjusted to take account of the subject mix at the university."

Britain's two top universities, Oxford and Cambridge, miss out on the list, as neither offers a straight business degree for undergraduates. See which faculties do make the cut below.

17. Loughborough University — Loughborough is best known for the quality of its sporting teams, but the university's business degrees are highly valued and, as a result, its tricky to get a place. Average entrants to Loughborough's business degree have 418 UCAS points.



= 16. Robert Gordon University — You might not have heard of this university in Aberdeen, but it was voted as the UK's best modern university in 2013. The average entrant has 422 UCAS points, although the uni's business school places just 32nd in the Complete University Guide's overall ranking.



= 16. Royal Holloway — A constituent of the University of London, Holloway's business degree ranks 39th overall but is very difficult to get into. Business students there have an average of 422 UCAS points.



See the rest of the story at Business Insider

Analysts are going gaga for Facebook's earnings beat (FB)

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mark zuckerberg facebook happy smiling virtual reality oculus

Facebook smashed it.

The social-network giant beat expectations when it reported its first-quarter earnings on Wednesday, sending stock soaring in after-hours trading by 8% to an all-time high. The growth comes off the back of the company's strong mobile business.

CEO Mark Zuckerberg is also proposing a new share structure that will allow him to give away the majority of his fortune to charity while retaining voting control of the company.

Analysts are responding uniformly positive to the news, raising their price targets for the company as they reiterate overweight/buy ratings across the board.

We've rounded up a selection of reactions from analysts — but first, here are the key numbers, via Business Insider's Jillian D'Onfro:

  • Earnings per share: $0.77 versus $0.62 expected.
  • Revenue: $5.38 billion versus $5.25 billion expected, up 52% year-over-year. Ad revenue is up 57% year-over-year.
  • Monthly active users: 1.65 billion versus 1.62 billion expected.
  • Daily active users: 1.09 billion on average for March. This quarter, 66% of Facebook's monthly active users were daily active users, which is up from 65% during the same period last year.
  • Total costs and expenses were $3.37 billion, up 29% year-over-year, and capital expenditures were $1.13 billion.
  • Free cash flow for the first quarter of 2016 was $1.85 billion.
  • Facebook has 13,600 employees, up 35% from the same time last year.
  • Most of Facebook's revenue comes from North America and Europe, with only about 24% ($1.3 billion) coming from Asia-Pacific and the rest of the world. But those areas account for 66% of its monthly active users. The average revenue per user in those regions is still tiny, compared to in the US: $1.56 and $0.91, respectively, versus $12.43 and $3.98 in the US and Europe.

Jeffries: BULLISH

Rating: Buy

Price target: $160 (previously $145)

Comment:"It was another big beat driven by the soaring mobile ad business. User and engagement levels were at the highest levels ever, and the expense outlook remains unchanged. FB will introduce a new class of non-voting stock through a 1x dividend that will be mechanically similar to a 3-for-1 stock split. The new class will allow FB to use non-voting stock for acquisitions, compensation, and philanthropic purposes without diluting Zuckerberg's majority vote control."



Deutsche Bank: BULLISH

Rating: Buy

Price target: $160 (previously $145)

Comment:"FB printed revenue and EBITDA that were 2% and 11% above consensus, and well above buyside expectations given our in-accurate read on 1Q trends. The ad growth was strong across verticals and geos, and the overall tone from management was upbeat. We have modestly increased our revenue estimates given the upside to 1Q, the leap year and Payments/Other comments, and have increased EPS by 17% primarily on the lower tax rate. We missed the call into the print and apologize for that, today we want to add to positions here as we remain bullish on the long term story."



Macquarie Research: BULLISH

Rating: Outperform

Price target: $150

Comment:"As we have said for years, as long as the users are there, FB will find ways to monetize. The company continues to excel at keeping users engaged while also improving ad formats, targeting and measurement for advertisers. On the engagement side, despite concerns, the key metrics proved very strong ... Qualitatively, the company is seeing strength across products, verticals and geo's. Expenses were well below expectations as well. On the down side, payments revenue is decelerating more than expected and we are lowering our Oculus expectations based on mgmt commentary and a botched launch. We remain long- term bulls on VR/AR but it will clearly take many years to ramp."



See the rest of the story at Business Insider

This health-conscious fast-food chain is challenging McDonald's to be healthier

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Freshii 18When McDonald's announced its improvement plan last year, the CEO of one fast-casual food chain was not impressed.

Freshii's Matthew Corrin sent an open letter to McDonald's offering to partner up with the struggling fast-food giant.

But the purpose was not to save Freshii; rather it was to bring about a healthy initiative to McDonald's.

Freshii is not the company that needs help. After Corrin founded the chain in 2005, Freshii expanded in the midst of a crippling recession to more than 100 locations worldwide.

Such growth is impressive for a chain focusing on fresh produce and antibiotic- and hormone-free meats, as well as a wide range of vegetarian options.

While on a trip to Boston, I decided to swing into the nearest Freshii to see for myself whether this chain had what it would take to turn around the health of the fast-food industry.

Freshii hasn't broken into the New York City market just yet, but it has stores in several major US cities, including Los Angeles, Miami, and Minneapolis. I visited one of its three Boston locations — this one is at 185 Dartmouth Street next to Copley Square.



The interior is bright and clean, with solid wood tables. You can see the entire food area behind the sneeze guards — no hidden kitchen.



The decor isn't whimsy, but it's not sterile. The whole restaurant feels clean and young — targeting the millennial demographic.



See the rest of the story at Business Insider

Why Google is the best company to work for in America

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google employee office

Thanks to the premium Google places on its employees' happiness, the tech giant has proven itself to be the gold standard for employers.

Headquartered in Mountain View, California, Google — recently renamed Alphabet in a corporate restructuring — just topped Business Insider's 2016 list of the 50 best companies to work for in America, based on exclusive data from PayScale. The search giant dethroned Facebook (ranked No. 5), which held the top spot in 2015.

US employees who work at Google gave the company high marks on PayScale's employee survey in a number of areas, including compensation, job satisfaction, and job meaning. Here's why Google ranked the best company to work for in America:

SEE ALSO: The 50 best companies to work for in America

DON'T MISS: Here's what it's REALLY like to work at Google, the 'world's most attractive' employer

A high percentage of Googlers say they're satisfied in their job

According to PayScale, 86% of Google employees say they are either extremely satisfied or fairly satisfied with their job.

As Google HR boss Laszlo Bock explains in his book, "Work Rules!" the key to Google's success as a workplace is constantly innovating, experimenting, and keeping things fun.

"What's beautiful about this approach is that a great environment is a self-reinforcing one: All of these efforts support one another, and together create an organization that is creative, fun, hardworking, and highly productive," he writes.

A major contributor to Google's unique work environment is all the amazing perks the "Googleplex" has to offer.

More than 64,000 Google employees can take advantage of perks like free healthy and gourmet meals, laundry and fitness facilities, generous paid parental leave, and on-site childcare. One employee in Mountain View describes Google as "a company that treats their employees great and in return gets motivated and loyal employees."

Employees also report that Google allows them flexibility to work on passion projects and tap into their creativity. Google also encourages its employees to become teachers and coach one another to help build a more creative, satisfied, and intimate community of employees.



Most Googlers think their work makes the world a better place

PayScale reports 73% of Google employees find their jobs to be meaningful. This isn't surprising, considering the company's mission: "to organize the world's information and make it universally accessible and useful."

As Bock explains, this is "a moral rather than a business goal," and one that is intentionally impossible to achieve.

"This creates motivation to constantly innovate and push into new areas," he writes. "A mission that is about being a 'market leader,' once accomplished, offers little more inspiration. The broad scope of our mission allows Google to move forward by steering with a compass rather than a speedometer."

Googlers have responded well to this mission, saying on Glassdoor that meaningful and challenging projects is what attracted them to and keeps them at the company.



Googlers say their compensation is the best

Google attracts and keeps talent with its competitive salaries. According to PayScale, the median salary of experienced workers is $140,000, the second highest on the list, and even employees with less than one year of experience earn on average around $93,000.

Google also gets high points for paying above market for its employees.

It's worth noting that two people in the same role at Google can be paid drastically different amounts, and this is intentional.

"It's hard work to have pay ranges where someone can make two or even 10 times more than someone else," Bock writes. "But it's much harder to watch your highest-potential and best people walk out the door. It makes you wonder which companies are really paying unfairly: the ones where the best people make far more than average, or the ones where everyone is paid the same."



See the rest of the story at Business Insider

The 12 wealthiest public colleges in America

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University of North Carolina Chapel Hill

The richest public universities in the country boast endowments above 10 figures, placing them in the upper echelon of higher education. Texas A&M University at College Station, for example, has an endowment of $10.52 billion, not only making it the wealthiest public university in America, but also the sixth wealthiest among all universities, right behind MIT and Princeton. 

Whether public or private, university endowments support a school's operating budget and help it invest in its future, from providing scholarships and financial aid to funding research and other initiatives. The richest colleges, frequently the most prestigious, can offer more of these opportunities to their students and community, giving them a leg up in recruitment and helping them burnish their academic reputation.

The National Center for Education Statistics (NCES)an organization under the US government that collects and analyzes education data, provided Business Insider with the most recent figures on US college endowments (the fiscal year ending in October 2014). It also provided its most recent data on the annual cost for a student to attend each college while living on campus. 

The following 12 colleges each have endowments of more than $2.4 billion, making them the richest public universities in America.

Additional reporting by Alex Morrell.

DON'T MISS: The 20 wealthiest private colleges in America

SEE ALSO: The 30 richest colleges in America

12. Purdue University

Location: West Lafayette, Indiana

Endowment: $2.45 billion

Tuition: $23,002 (in-state); $41,804 (out-of-state)

Purdue University is home to the country's best undergraduate biological and agricultural engineering programDiscovery Park — the school's 40-acre collaborative research hub with more than $1 billion in research investments — is a leader in several areas from cancer treatment and drug discovery to environmental and STEM learning.



11. Michigan State University

Location: East Lansing, Michigan

Endowment: $2.55 billion

Tuition: $25,350 (in-state); $47,115 (out-of-state)

MSU was founded as a land-grant university and the first US institute of higher education to teach scientific agriculture. The school now offers 15 majors focused on environmentalism and reports that it's one of the top-five campuses for sustainability.



10. University of North Carolina at Chapel Hill

Location: Chapel Hill, North Carolina

Endowment: $2.66 billion

Tuition: $25,650 (in-state); $50,732 (out-of-state)

In the late 18th century, UNC Chapel Hill became the first public university in America to award degrees. Today, it's revered as one of the best public colleges in the nation for its accomplishments in research, innovation, and healthcare. The school — which is part of the 16-school UNC system — also boasts a top-rated undergraduate business program with specialties in marketing, management, and finance.



See the rest of the story at Business Insider

The 25 most valuable liquor brands in the world

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Chivas Regal

Liquor is a massive industry. 

Brand Finance, a consulting company that specializes in brand valuation, released its annual report on the world's most valuable spirits brands. 

See below for the 25 most valuable liquor brands: 

SEE ALSO: 10 breathtaking photos of America's national parks

No. 25: Havana Club

Category: Rum

Brand value: $554 million

Brand rating: AA+



No. 24: Gujing Gong Jiu

Category: Baijiu 

Brand value: $575 million 

Brand rating: A+



No. 23: Old Parr

Category: Whisky

Brand value: $576 million 

Brand rating: AAA-



See the rest of the story at Business Insider

The 10 best US cities for recent college grads

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Cincinnati

According to the Bureau of Labor Statistics, the unemployment rate for workers with a Bachelor's degree averaged just 2.8% in 2015.

That is much lower than the overall rate of 4.3% and it means that for most college grads finding a job should not be difficult. That's not to say that college grads have it easy.

Student loan debt is soaring (the average student now owes more than $35,000 at the time of graduation).

Likewise, those low unemployment figures belie the reality of an economy in which college graduates too often have to settle for low-paying or part-time jobs.

For college students with the ability to relocate after graduation, choosing the right place to live can go a long way toward alleviating some of these problems.

For instance, in a city with low housing costs and a strong employment market, a college graduate may have an easier time paying down that debt. That, in turn, can allow her to get an earlier start on financial priorities like buying a home or saving for retirement.

To find the best cities for college graduates, SmartAsset gathered and analyzed data on more than 100 of the largest cities in the country. We looked at three dimensions of life for college graduates in each city: the cost of living, the jobs market and how fun it is to live in the city. We assigned each city a score on those three measures and averaged the three scores to find the top overall cities. (Read our full methodology and sources below.)

Buying your first home? Compare mortgages and find a low rate here.

Key findings

O-H-I-O. The Buckeye State claims two of the top three cities for college grads, with Cincinnati ranking first and Columbus ranking third. These Ohio cities rate well across all three categories of metrics we considered: they are affordable and fun places to live, while still offering strong employment opportunities to new graduates.

Unemployment down, cost of living up. In more than half of major American cities, college graduates face unemployment rates of less than 3.5%. On the other hand, the cost of living in many of these same cities is increasing. That can make it hard to pay off debt, even for grads with jobs.

college_grads_2_map 

SEE ALSO: How much it costs for a single person to live in 24 major US cities

10. Wichita, Kansas

Wichita rates as the fifth most affordable city in our study, scoring a 93.36 on that measure. The median rent paid by Wichita residents is just $548 per month. The city's job market is also fairly strong for college graduates, who face an unemployment rate of just 2.6% in the Wichita area. That's 19th lowest among the cities in SmartAsset's study.



9. Madison, Wisconsin

As of December, 2015, the unemployment rate in the Madison area was just 2.9%, fifth lowest of any major U.S. city. There is even greater demand in Madison for workers with a bachelor's degree, who face an unemployment rate of less than 2.5%.

Madison is also a fun place for young people to live. It has the third-highest population proportion of twenty-somethings of any major U.S. city. It also features the seventh-highest concentration of bars, restaurants and entertainment establishments.



8. Omaha, Nebraska

The largest city in Nebraska, Omaha has one of the lowest unemployment rates in the country. For workers with a bachelor's degree unemployment was just 2.3% in the Omaha area on average during 2014 (the most recent year for which education-specific unemployment data is available). That's the eighth lowest rate of any major U.S. city. Overall unemployment was 3.0% as of December 2015, the sixth-lowest rate in the U.S.



See the rest of the story at Business Insider

The 'Rich Parents of Instagram' post photos of their private jets, Lamborghinis, and giant champagne bottles

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Private jet

Rich kids all over the world post photos bragging about their inherited wealth on social media.

Now wealthy parents are looking to get their cut of the attention with their own social-media account, the "Rich Parents of Instagram."

The account — which is dedicated to photos of glamorous holidays, sports cars, and champagne bottles — recently relaunched in April after a hiatus, according to the owner, who started sharing the boastful photos in 2015.

"I am so fascinated by [the] rich kids of Instagram," the account holder, who wishes to remain anonymous, told Business Insider over email.

After realising that rich parents were absent on social media, the account holder — who doesn't describe themselves as a "rich parent"— saw an opportunity to show off their wealth. "It was always about [rich] kids so I decided to create something different," the account holder said.

Some photos on the account have been republished from wealthy users' Instagram and Snapchat accounts, while rich parents also submit their photos via email or Instagram.

Below, a selection of the most outrageous photos from the account:

The rich parents of Instagram own and rent fancy apartments that you certainly can't afford ... like this swanky residence at One Hyde Park.

Instagram Embed:
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And they park their expensive sports cars — like these blacked-out Aventadors — outside ...

Instagram Embed:
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... along with the rest of their fleet of expensive cars.

Instagram Embed:
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See the rest of the story at Business Insider

Rare video shows what it’s like to drive through the hidden tunnel underneath Apple's 'spaceship' campus (AAPL)

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campus 1

There's a lot of video of Apple's $5 billion campus currently under construction in Cupertino, California, but almost all of it is from drones filming from the sky. 

But earlier this month, a YouTuber under the username MrWhitestew posted two short videos of a construction worker's view of the building in progress, including a rare look from inside the "spaceship's" ring.

The clips show that while one day the building Steve Jobs once said could be "the best office building in the world" will be covered in grass and trees, for now, it's still a huge, dirty construction site.

One clip is a dashcam video in which he drives through one of the tunnels Apple is building underneath the campus.

Apple says that it expects the campus to be nearly finished by the end of the year, with employees moving in early 2017. 

Perhaps Mr. Whitestew will be getting a visit from Apple Global Security in the future, but for now enjoy these rare clips: 

SEE ALSO: Even the tables at Apple's new 'spaceship' campus are insane

AND: PHOTOS: Here's all the progress Apple's made on its spaceship campus — the 'best office building in the world'

AND: There's finally an explanation for the giant dirt pyramid on Apple's new campus

Here's what it looks like when you're driving into "Gate 5," one of the tunnels that ferry construction workers into the inside ring.



There's not a lot going on inside the tunnels...



But then you surface, and you get a view of Apple's dirt pile and sunshine.



See the rest of the story at Business Insider

The 50 best restaurants in America

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best restaurants in America thumbnail

A great meal at an outstanding restaurant can be a life-changing experience. But with new places popping up every day, it can be difficult to decide which spots are worth your time — and hard-earned cash. 

We combined six noteworthy lists compiled by food critics, experts, and diners to come up with a definitive ranking of the best restaurants in the country.

We gave each restaurant a numerical rating based on how many lists the restaurant appeared on and how high it appeared on lists that were ranked. Restaurants that appeared on multiple lists ranked higher on our list, while restaurants that ranked on only one of these lists ended up closer to the bottom. For restaurants that tied, we broke down the rankings down based on reviews, price, and our own editorial discretion. Read the complete breakdown of the methodology here

The lists we used were The Daily Meal's 101 Best Restaurants in America 2016, OpenTable's 100 Hottest Restaurants in America for 2016, The World's 50 Best Restaurants, the James Beard Foundation's 2016 Restaurant and Chef Award Semifinalists, Eater's The National 38, and the Michelin Guide

Read on to check out the best places to eat across America. 

SEE ALSO: Here's how we ranked the best restaurants in America

SEE ALSO: The best restaurant in every state

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50. Everest

Chef: J. Joho

Location: Chicago, Illinois

At Everest, which holds one Michelin star, guests can choose between the seven-course degustation menu, the seven-course vegetarian menu, or three- and four-course prix fixe menus.

Each selection treats guests to elegant French dishes, like magret duck served with marinated turnips, or slow-braised wild sea bass accompanied by artichokes and leeks. 



49. Trois Mec

Chef: Ludo Lefebvre, John Shook, Vinny Dotolo

Location: Los Angeles, California

At Trois Mec, which is a collaboration between chefs Ludo Lefebvre, John Shook, and Vinny Dotolo, guests get in by tickets instead of reservations.

You'll need to be a registered user on their website to try and snag a ticket, but once you do, you'll be treated to elegant dishes like Dungeness crab ceviche and beef tenderloin with smoked peanut butter.



48. Highlands Bar and Grill

Chef: Frank and Pardis Stitt

Location: Birmingham, Alabama

Savory dishes and impeccable service has made Highlands Bar and Grill a favorite in Birmingham since it first opened its doors in 1982.

The iconic spot shifts its menu daily to incorporate fresh, seasonal ingredients — think summers filled with okra soft shell crab and winters of root vegetables and venison — that merge French techniques with Southern flavors.



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If Google built a city, it might look like this

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The company that started as a search engine could someday create a city.

Google's parent company, Alphabet Inc., recently announced its intentions to build a "Smart City" within one or more existing cities across the US. In these cities, which will be selected as part of the $40-million Smart Cities competition, Google will build up infrastructure for driverless cars, data sensors, connected vehicles, and public WiFi.

We decided to take the plans a step further, envisioning what an entire Google City could look like.

Google declined to give us input on what its city might look like, so we drew ideas from Brooks Rainwater, the Director of the City Solutions and Applied Research Center at the National League of Cities, as well as Google's existing projects and investments.

Take a look.

A Google City might be somewhere in the Midwest.

The bedrock of a Google City would be its lightning-fast gigabit internet connection, supplied by Google Fiber.

Currently available in nine cities, including Atlanta, Nashville, and Salt Lake City, it could drive the capabilities of just about every facet of city life, from major infrastructure to how fast you can update Snapchat. High-speed home internet is only the beginning.

To make an internet-based future possible, Rainwater says Google would need to set up shop somewhere rural — a place where infrastructure isn't yet up to speed. Somewhere in middle America seems about right, though Google has reportedly been looking into areas around Detroit and Denver.



WiFi hotspots might be widespread across the city, offering a free and public alternative to broadband internet use.

In addition to upgrading home internet, Google also plans to bring WiFi to the public. It's starting with the LinkNYC program in New York, in which 7,500 LinkNYC kiosks will eventually replace ordinary phone booths.

Users can make free calls from the built-in tablets at each kiosk. They can also use the kiosks as free WiFi hotspots, and charge their phones in one of two USB ports.

In fact, the Wifi in each kiosk is Google's gigabit-speed internet — the same used in Google Fiber, which is fast enough to download an HD movie in seven seconds.

A Google City would likely have a similar number of hotspots, if not more, to supplement Fiber.



The rise of self-driving vehicles could make speed limits and traffic lights obsolete.

Google's Self-Driving Car Project, which is currently competing with the likes of Apple and Tesla, is poised to reinvent the way people get around.

Rainwater says speed limits and traffic lights wouldn't be necessary since each car would be equipped with a computer that can communicate with every other car in its vicinity. When one car wants to change lanes, for instance, neighboring cars could slow down accordingly.

Cars could even co-exist with bikes, which would be equipped to talk to nearby vehicles. Rainwater says separate sidewalks might not even be necessary on these roads because pedestrians could trust vehicles to avoid collisions. 



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The FBI's 9 most wanted fugitives still on the run

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Brenda Delgado FBI

Earlier this month, Mexican authorities captured Brenda Delgado, the ninth woman to ever be featured on the FBI's most wanted list.

The following individuals on the FBI's list have alternate identities and are considered armed and dangerous.

All photos and captions are provided by the FBI.

Please do not attempt to apprehend any of these fugitives. Report any tips to the FBI by clicking here.

SEE ALSO: The hunt is on: The US Marshals' 9 most wanted fugitives still on the run

Victor Manuel Gerena is being sought in connection with the armed robbery of approximately $7 million from a security company in Connecticut in 1983. He allegedly took two security employees hostage at gunpoint and then handcuffed, bound, and injected them with an unknown substance in order to further disable them.

Source: FBI



Glen Stewart Godwin is being sought for his 1987 escape from Folsom State Prison in California, where he was serving a lengthy sentence for murder. Later in 1987, Godwin was arrested on a charge of drug trafficking in Puerto Vallarta, Mexico. After being convicted, he was sent to a prison in Guadalajara. In April 1991, Godwin allegedly murdered a fellow inmate and then escaped five months later.

Source: FBI



Jason Derek Brown is wanted on charges of murder and armed robbery in Phoenix, Arizona. During November 2004, Brown allegedly shot and killed an armored-car guard outside a movie theater and then fled with the money.

Source: FBI



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The most expensive home to rent in every state

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When it comes to rent, your money will likely go a lot farther in certain metropolises than others. 

Rental prices range widely across the country, from as low as $3,050 a month for a log cabin near Jackson Hole to as high as $300,000 a month for a Miami Beach waterfront mansion.

RENTCafé, a national home rental database, rounded up a list of the most expensive monthly rental properties available right now in each state. We've broken down their locations, prices, and property details below.

The takeaway: cities like Malibu, Miami, and New York have the highest-rent properties currently on the market, while less metropolitan locations offer huge multi-bedroom homes and country club living at much more reasonable monthly prices.

But if you're willing to be flexible in location, there's a mansion available at pretty much every price point.

Take a look at the full list below.

SEE ALSO: The 25 most expensive ZIP codes in America

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ALABAMA: This traditional six-bedroom, six-bathroom estate in Birmingham can be yours for just $5,500 each month.

Location:Birmingham, Alabama

Monthly rent: $5,500

 



ALASKA: For $5,000 a month, this pristine Anchorage four-bedroom with a full three-car garage is up for rent.

Location:Anchorage, Alaska

Monthly rent: $5,000

 



ARIZONA: For $35,000 a month, this Paradise Valley Spanish-style ranch house has five bedrooms, a movie theater, and an outdoor pool and guesthouse.

Location:Paradise Valley, Arizona

Monthly rent: $35,000

 



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13 things you should never say on your last day of work

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It's your last day of work. Since giving  your two weeks' notice, you've sent HR your formal letter of resignation, cleaned out your desk, tied up loose ends, and said your goodbyes.

Your departure seems to be going smoothly, and you're happy to be ending your tenure on a high note.

But then, just hours before you walk out the office doors for the last time, you say the wrong thing.

"Exiting employees have said the dumbest things on their way out the door," says Dana Manciagli, a career expert and author of "Cut the Crap, Get a Job!""Some do it because they feel entitled to say whatever stupid things are on their mind, while others, like those who lost their jobs, are just bitter. Some just do it because they're emotional or have held grudges for too long." 

No matter what the reason, it's a bad move. You always want to leave your company on the best terms possible, without burning any bridges, she says.

"Just treat your last day like any other," says Lynn Taylor, a national workplace expert and the author of "Tame Your Terrible Office Tyrant: How to Manage Childish Boss Behavior and Thrive in Your Job." "It's not the time to gossip or have a pity-party. You're here to wrap up loose ends and mitigate the amount of follow-up necessary after you leave. Professionalism should be top of mind."

Here are 13 things you should never say on your last day of work:

SEE ALSO: 22 things you should never say during an exit interview

'This place is a sinking ship.'

"Why do people feel compelled to make remaining employees feel badly just because you are moving on? I don't get it. But stop it," says Manciagli.

Instead, you could say: "I wish you all the best of luck, and I enjoyed my time here."



'I'll be unreachable for a couple weeks.'

In most cases, there are a few loose ends to tie up after you leave a company, even if administrative.

"Most employers appreciate the idea that you are available to help if something comes up," Taylor says. "Of course if this is abused by a new employee, you can draw boundaries later, but it's an appropriate offer to make before you leave."



'Let's stay in touch.'

"The reason why this one is dumb is because it's a phony proposition," Manciagli says. "It's up there with, 'let's do lunch,' yet nobody is accountable for making that happen."

It's fine to say this to those who you're close with and the people you do intend to stay in touch with — but don't say it to colleagues who you barely spoke to during the five years you worked together.

Try something like this, instead: "I will make sure we're connected on LinkedIn so we can stay in touch."



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The 25 highest-paying jobs you can get without a college degree

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Don't feel like contributing to the $1.2 trillion student-loan debt in the US?

Luckily there are plenty of high-paying jobs you can get that only require a high-school diploma.

According to the latest data from the US Bureau of Labor Statistics, these are the 25 highest-paying jobs that you don't need any college experience to pursue.

Each has a median annual salary of at least $59,000.

SEE ALSO: The 25 highest-paying companies in the US in 2016

25. Chemical plant and system operators

Description: Control or operate entire chemical processes or system of machines.

Median annual wage (2015): $59,320

Projected job openings (through 2024): 14,400

Work experience: None

On-the-job training: Long-term on-the-job training



24. Transit and railroad police

Description: Protect and police railroad and transit property, employees, or passengers.

Median annual wage (2015): $59,670

Projected job openings (through 2024): 1,300

Work experience: None

On-the-job training: Moderate-term on-the-job training



23. First-line supervisors of correctional officers

Description: Directly supervise and coordinate activities of correctional officers and jailers.

Median annual wage (2015): $57,840

Projected job openings (through 2024): 18,000

Work experience: Less than five years

On-the-job training: Moderate-term on-the-job training



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