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3 questions to ask before taking a low-paying job

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fired layoffs let go box leaving work

If you've recently been laid off, you might be juggling a few different tough decisions all at once. The struggle to find a job after losing one is real, and if it's taking you a while to find something new, know that you're not alone.

Once you've determined how you'll take care of yourself and your family in the immediate aftermath of losing a job (check out this piece about six things to do right away if you lose your job if you need a little help), the next big question that might come up is when to bite on a new job offer. You may be able to find a lower-paying gig immediately after losing your job more easily than something that would replace what you were making at your previous one.

If you're struggling with the decision of whether or not to take a lower-paying job, consider some of the following questions:

SEE ALSO: 6 legitimate work-from-home jobs nearly anyone can do

1. Will this new job at least help cover some of your basic expenses?

Especially if you're paying rent or a mortgage, making payments on student loans or have other pressing monthly bills, if a lesser paying gig will at least help you stay on track with making some of those important payments, then it's probably worth taking. 



2. Will a loan or balance transfer help you in the interim?

If you're worried that your new job offer doesn't cover everything you were paying off with your previous job, take some time to do a little math and see if you can at least cover your major expenses (as mentioned above), and then consider if a credit card balance transfer or even a personal loan might help you for a little while until you can find a job that pays what you're hoping.

Check out this piece for more information on the best balance transfer cards out there now and this for more about personal loans.



3. Can you do something else in addition to supplement your income?

While it might not seem optimal, if the job you're being offered can help with the majority of your bills, perhaps a part-time or hourly gig on the side can help you make up the difference so that it doesn't seem like such a drastic change, at least for a little while.

If you're still struggling with the idea of taking a lower-paying job, check out this piece for more things to consider.

Read the original article on Magnify Money. Copyright 2015. Follow Magnify Money on Twitter.



See the rest of the story at Business Insider

30 things you should remove from your résumé immediately

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job seeker, resume, laptop, frustrated

Hiring managers receive an average of 75 résumés per position they post, according to CareerBuilder.com. So they don't have the time or resources to review each one closely, and they spend approximately six seconds on their initial "fit/no fit" decision.

If you want to pass that test, you need to have some solid qualifications — and the perfect résumé to highlight them.

Here are 30 things you should never include on your résumé.

Vivian Giang and Natalie Walters contributed to earlier versions of this article.

SEE ALSO: The 30 highest-paying jobs you can get with an associate degree

DON'T MISS: A new job-search site aims to solve the elusive 'culture fit' problem

1. An objective.

If you applied, it's already obvious you want the job.

The exception: If you're in a unique situation, such as changing industries completely, it may be useful to include a brief summary.



2. Irrelevant work experiences.

Yes, you might have been the "king of making milkshakes" at the restaurant you worked for in high school. But unless you are planning on redeeming that title, it is time to get rid of all that clutter.

But as Alyssa Gelbard, career expert and founder of career-consulting firm Résumé Strategists, points out: Past work experience that might not appear to be directly relevant to the job at hand might show another dimension, depth, ability, or skill that actually is relevant or applicable.

Only include this experience if it really showcases additional skills that can translate to the position you're applying for.



3. Personal stuff.

Don't include your marital status, religious preference, or Social Security number.

This might have been the standard in the past, but all of this information is now illegal for your employer to ask from you, so there's no need to include it.



See the rest of the story at Business Insider

17 photos of people having the time of their lives at the Kentucky Derby

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Michael Hickey Stringer Getty2

The 142nd Kentucky Derby took place this weekend at the Churchill Downs racetrack in Louisville, Kentucky.

The derby has many long-standing traditions — the parties on the infield, the extravagant hats, the marching band's rendition of "My Old Kentucky Home", and, of course, the tens of millions of dollars that are bid on the horse races.

One lasting tradition that is sure to get the party going is the mint julep. The perfect mix of bourbon, ice, sugar, and mint has been the derby's signature drink for nearly a century.

Ahead, take a look at the debauchery that happened as the heavily favored Nyquist beat the rest of the horses to the finish line.

SEE ALSO: The best- and worst-dressed celebrities at the Kentucky Derby

Prior to the races, the party was already getting started on the infield.



Guests' attire ranged from spring dresses and bold striped suits...



...to more casual party outfits.



See the rest of the story at Business Insider

Before joining a global coffee empire, Krispy Kreme opened its own Starbucks-style coffee shop — here's what it's like

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doughnuts krispy kremeKrispy Kreme doesn’t want to be Starbucks. However, the chain doubling down on its coffee business. 

JAB Holding Company, the parent company of coffee brands including Caribou Coffee, Peet's Coffee and Tea, and Keurig Green Mountain, is buying Krispy Kreme Doughnuts for about $1.35 billion.

JAB has said it is on a mission to create a "global coffee platform." While Krispy Kreme is best known for its doughnuts, it has spent the last several months trying to grow its coffee business.

In October, the doughnut chain opened a new location in Clemmons, North Carolina with some serious coffee shop vibes, including vintage signs, natural wood, free WiFi, and a redesigned ordering system and seating area.

The concept store represented a major step forward in Krispy Kreme’s plan to increase coffee sales, which make up about 5% of sales — a figure that CEO Tony Thompson told Business Insider in December he believes the company could double.

"We love to hear, 'We used to go to Starbucks, but this is pretty cool too,'" Thompson said in December, about the customers he meets at the Clemmons concept shop. "[Krispy Kreme is] not trying to go be a Starbucks. What we want out of this is, people are coming for the doughnut. We want to attach [coffee]."

While Krispy Kreme didn't immediately reply to a request for comment on how the sale to JAB would affect its coffee business, it's clear that the chain has been exploring ways to revamp it's coffee business since opening the Clemmons location.

Here's what Krispy Kreme's prototype for a more coffee-centric future looks like — and what it means for the future of the brand.

The aspect of the new location most likely to show up at your local Krispy Kreme is the coffee-centric ordering system.

When customers come to a Krispy Kreme, they are drawn straight to the doughnut case, like moths to a flame. 

However, the traditional ordering system — order a doughnut at the case, then go pay at the register — often reduces the chance of customers getting a beverage to go with their sweet treats. So, with the new location, ordering coffee and doughnut is finally linked. 

"We know people are coming to the case. So, let’s up the POS there, let’s start where they go," Thompson told Business Insider about the concept. "Don’t push them to do something different — you know where they’re going to go."



Krispy Kreme is already working on retrofitting the new ordering system at some existing locations, as well as select new shops.

New stores and remodeled locations incorporating aspects of the Clemmons location, such as updated designs and manual espresso machines, are expected to open later this year.

However, updating the ordering process to emphasize doughnuts and coffee seems to be the priority, with plans to launch the new ordering system at 70 shops in 2016.



Continuing the coffee shop vibe, the seating area has been reworked to be more modern and inviting.

The location has soft seats and high-backed chairs, free Wi-Fi, and more plugs along the wall for customers looking for somewhere to plug in their laptops and sit for a while. 

"The approach to coffee, it's not doing one, or two, or three things," Krispy Kreme’s CFO Price Cooper said in a call with investors in March."You've got to be comprehensive about that."



See the rest of the story at Business Insider

Here are all the notable people we've found in the Panama Papers so far

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Mossack Fonseca law firm sign is pictured in Panama City, April 4, 2016. REUTERS/Carlos Jasso/Files

The International Consortium of Investigative Journalists (ICIJ) published a huge database on Monday detailing how some of the world's wealthiest and most powerful people legally hide their cash — dubbed the "Panama Papers."

The database consists of more than 200,000 companies, trusts, foundations, and funds incorporated in 21 countries and countless names of the wealthy people who shelter their cash there.

The findings of the so-called Panama Papers investigation were first unveiled at the beginning of April.

Over 11 million documents held by the Panama-based law firm Mossack Fonseca had been leaked to the German newspaper Süddeutsche Zeitung. The paper shared the information with the ICIJ, which is made up of 107 media organizations in 78 countries.

The global news outlets examined 28,000 pages of documents, also revealing the full scale of the tax breaks won by 340 companies. The ICIJ published this statement on its website along with the documents:

There are legitimate uses for offshore companies and trusts. We do not intend to suggest or imply that any persons, companies or other entities included in the ICIJ Offshore Leaks Database have broken the law or otherwise acted improperly.

Business Insider scanned the database, which includes data both from the Panama Papers and a 2013 report called "Offshore Leaks," for newsworthy or prominent people or organizations in the worlds of finance, politics, technology, and others.

We have taken a spider map for the individual's holdings as an example. Each green dot represents an offshore entity with associations to the individual:

This post is being updated as new information is available.

Janie and Victor Tsao, the Taiwanese founders of data-networking company Linksys, had multiple entries in the Panama Papers for a joint trust and individually.



Raj Rajaratnam, the billionaire founder of hedge fund Galleon Group, was found in the database. Rajaratnam was sentenced to an 11-year prison sentence in 2011 on nine counts of securities fraud and five counts of conspiracy.



The Trustees of Columbia University appear in the database, linked to a corporation in the Cayman Islands. The university has an endowment of over $9.5 billion.



See the rest of the story at Business Insider

This ultra-slim water bottle fits inside your back pocket

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44680 159230 memobottle 5 3

Fitting a bulky water bottle into a purse or jam-packed bag can be a hassle.

Memobottle, a flask-like water bottle, could be a clever solution.

Created by Australian designers, Jesse Leeworthy and Jonathan Byrt, the bottle won a 2016 A'Design Award in the fashion and travel accessories category.

Check it out.

Thinner than a typical flask, the BPA-free Memobottle can fit inside a back pocket or small bag.



It comes in two different sizes: the 25-fluid-ounce one for $25 and the 13-fluid-ounce one for $22.



The transparent bottle is not only easy to carry around, it's also incredibly stylish.



See the rest of the story at Business Insider

What hiring managers are really trying to figure out when they ask, 'What are your hobbies?'

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photographer

When you're in the hot seat interviewing for a job, you're answering questions such as "What's your greatest weakness?" and "Why should we hire you?"— so a query like "What are your hobbies?" will probably seem like a piece of cake.

But before you start babbling about your lifelong obsession with horses or your newfound passion for baking, consider this: The hiring manager wants to get a better sense of who you are, so it's important to think about which hobbies best showcase your strengths, passions, and skills — and then discuss only those in the interview.

"The employer is trying to determine whether you'd be a good fit, and getting insight into your interests, hobbies, and personality all help in evaluating that," says Amy Hoover, president of the job board Talent Zoo.

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," agrees: "By learning more about your outside interests, they can glean more about your personality, and even draw some conclusions about how you may thrive in the organization."

For example, if you like to paint in your spare time and you're interviewing for an account-executive position with an advertising agency, your creative flair might be viewed as an asset when working with your creative counterparts, Taylor says. Or, if you're involved in orchestrating community events, where organizational skills are critical, that would translate well into a promotional or event-planning type of position.

"That said, they are also looking for well-rounded individuals, so you don't want to limit your pursuits to only those that relate directly to your career," Taylor adds.

While there are no wrong answers per se, there are some smart choices you can make when answering this question in an interview, Hoover says.

Here's what interviewers are really looking for when they ask about your hobbies:

SEE ALSO: The most common questions hiring managers ask during job interviews

1. That you're team-oriented

Taylor says:

Since most jobs involve a certain level of group interaction and support — and cross functional work teams continue to thrive — any kind of activity that you do in your spare time that demonstrates your ability to be a team player, such as playing a team sport or working with a group on a volunteer project, would be well perceived by your prospective boss.



2. That you possess strong leadership skills

"If you lead a group in a leisure activity, such as anything from a book or hiking club to a charitable effort or community activity, that speaks well to your ability to lead on the job," Taylor says.

Not all jobs require leadership or management talent, but those kinds of activities project the desire to make a difference.



3. That you actively work on honing your skills

If you stay with a particular leisure pursuit and try to better yourself — which could relate to anything from artistic or musical talents to bettering your communication, writing, or research skills — you will likely be viewed as having perseverance.

"And that would certainly be viewed as a plus in the position at hand," says Taylor.



See the rest of the story at Business Insider

Graffiti in virtual reality is even cooler than in real life

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Kingspray Graffiti Simulator VR

In "Kingspray Graffiti Simulator," a new virtual reality application, you can pretend to be Banksy from the comfort of your own couch!

Here's what it's like:

In "Kingspray," the motion controller on the HTC Vive virtual reality system becomes your spray can.



If you're artistically inclined, you can create incredible murals like this:



When you start, you select a paint color from a virtual palette:

RAW Embed



See the rest of the story at Business Insider

Take our 14-day plan to radically improve your finances

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BI Better Money 3x4

According to a 2015 survey by the National Foundation for Credit Counseling, less than half of Americans keep close track of their spending, and nearly 30% aren't saving for retirement.

Clearly, there's room for improvement.

#BIBetterMoney is a 14-day self-improvement plan designed for the busy professional, featuring a simple task a day for two weeks to help you take control of your money.

We recommend participating with at least one other person, so you have more fun and keep each other in check. You can start on any Monday and should complete actions on their specified day when possible.

The following slides go through the days and the thought behind them in detail, and you can also reference our infographic calendar.

SEE ALSO: 7 signs you're doing something right with your money

MONDAY, DAY 1: Get your 90-day number.

Let's dive right in.

In his book "Cold Hard Truth on Men, Women & Money,""Shark Tank" investor Kevin O'Leary recommends that before you take any steps to improve the way you manage your money, you get what he calls your 90-day number: A sum of every dollar you've spent and earned in the past three months.

"It's going to be a positive or negative number," he writes, "because money is black or white. There is no gray. You either have it or you don't."

You'll do this in two steps: First, add up your income, and next, add up your expenses. 

Income number - expenses number = 90-day number

If it's positive, you're starting off on the right foot. If it's negative, we have some work to do. And if it's hovering around zero, you're playing a dangerous game.



TUESDAY, DAY 2: Choose a system to track your spending.

You made a big effort yesterday, so today, we'll keep it quick: All you have to do is choose and implement a system to keep track of your income and expenses in the future, so the next time you want your 90-day number it will be available in a matter of minutes.

While you're welcome to break out a notebook and pen, you'll probably find it easier to take advantage of technology. Two of the most popular options are:

Mint, a website and app that you can connect to your credit cards and bank accounts. It automatically pulls in data from any connected account to log every expense and paycheck, so you can see the full picture of your finances in just a few clicks.

A spreadsheet in Microsoft Excel, which requires more manual input but allows you to manipulate the data in myriad ways. If you're already a big Excel user, you might be more comfortable with this format, although you will need to take a minute or two every morning — or a few minutes once a week — to update it.



WEDNESDAY, DAY 3: Add up your debt.

All debt isn't equal, but it does have the same bottom line: You owe money to someone else, and they're charging you for the loan. The money you pay them is money you can't use elsewhere. Generally, experts divide debt into two categories:

Good debt, which has relatively low interest rates and which pays for something immeasurably valuable or accruing value. For example, mortgage and student loan debt. Paying off good debt is less urgent than paying off bad.

Bad debt, which has relatively high interest rates and pays for a depreciating asset, like credit card debt or a car loan. You'll want to pay this debt as soon as possible, because it gets more expensive by the day.

One of the hardest things for many people to do with debt is simply to face exactly how much they owe — so we'll get that out of the way today.

Log into your accounts and get the balance for any debt you've been avoiding or has been weighing on you (take note of the minimum monthly payment while you're there). Add it all up, and face the number: This is money to be repaid, and tomorrow, we'll start figuring out how.



See the rest of the story at Business Insider

How to appear more competent in your next business meeting

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women of color in tech talking meeting conference

Have you ever found yourself in a meeting with colleagues or superiors and felt as if you had nothing significant to add to the conversation?

You struggle for something "smart" to say, and at the same time fear your lack of engagement is making you appear uninformed.

Sadly, you are correct.

Inc.com columnist Robin Camarote recently shared her thoughts on better communication: "We all intuitively understand that moving people, whether that's a large group or one on one, is a highly desirable skill that should be studied and practiced." If you have found yourself tentative in the past, don't beat yourself up, do something about it.

Professional communication takes planning and concentration. As an executive, it's your job to connect like a leader, whether exchanging casual small talk at the water cooler or discussing large issues in the boardroom.

Start out with five simple steps:

SEE ALSO: 32 things you should never say to your boss

DON'T MISS: 20 things you should never say to your coworkers

1. Own your opinion

Remaining silent or appearing wishy-washy gives people cause to doubt your level of understanding. Share your thoughts in a way that creates an opportunity to engage intelligently.

The current presidential debates are one example. It's in your best interest to be informed, even if you choose to remain neutral in a political discussion. You don't have to jump into a heated debate, simply have the pertinent facts to comment or respond.



2. Do a bias check

Opinions are often based on subjective reasoning or emotional baggage from your past. There's an adage that says, "If you always do what you've always done, you'll always get what you've always got." A sophisticated leader is constantly adapting and adjusting their views as life evolves.

Subsequently, your viewpoint is shaped by a personal or generational predisposition. If you feel as if your response to a comment is based on an assumption, ask for clarification to avoid harming your image or damaging a relationship.



3. Position yourself with confidence

Twirling your hair, covering your mouth, fidgeting in your chair or using "upspeak" (raising your voice at the end of a sentence as if you are asking a question) will minimize your power. Keep your head raised, chin up and shoulders back.

Speak confidently, make eye contact with those around the room and control your breathing. Take a brief pause while contemplating the feedback you are receiving before responding.

Avoid looking down or away when someone challenges you or asks for more information. Own your space by keeping your hands above the table and unclench your fists. Projecting authority is an executive skill that can be learned.



See the rest of the story at Business Insider

Time Warner just emailed me a video about my bill

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jim the office

Trying to understand your monthly cable or internet bill can be super frustrating.

"Why does this bill seem so high?""What are all of these surcharges?"

Time Warner thinks it has the answer. The company has started sending videos to customers to explain all of the charges on their monthly bills.

I just got a personalized video about my bill on Sunday. But was it helpful? Take a look.

This was my email from Time Warner. You just click the video to start watching.



"Hi David, Thanks for being a Time Warner Cable customer."



"We designed this video to highlight and help you understand the key parts of your bill. So let’s walk you through your bill, starting with your account summary."



See the rest of the story at Business Insider

Here are all the Marvel movies coming out in the next 4 years

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doctor strange disney

With the opening of "Captain America: Civil War" over the weekend becoming the fifth-largest of all time at the box office, the adaptation of Marvel comic-book characters continues to be a profitable endeavor for Hollywood.

While most of that success comes from Marvel Studios at Disney, which holds the rights to the Avengers (among others), 20th Century Fox has found huge box office with the release of its X-Men and standalone Wolverine movies, not to mention proving this year that even an outlandish character like Deadpool can make blockbuster money.

And though Sony is currently rebooting Spider-Man with the help of Disney's Marvel Cinematic Universe, the studio once upon a time did very well with the character, and hopes to do it again.  

Looking forward, all those studios have numerous anticipated releases coming soon adapting Marvel properties.

Here's the rundown of all the Marvel movies coming out from now through 2019. 

SEE ALSO: Disney announced all its movies coming in the next 4 years — here's what you have to look forward to

"X-Men: Apocalypse" introduces us to the franchise's most chilling villain yet.



Apocalypse, played by Oscar Isaac, is considered the first mutant, and is immortal.



We'll see how the X-Men handle him when the film opens May 27.



See the rest of the story at Business Insider

The America's Cup came to New York this weekend — and we checked it out

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The America's Cup came to New York this weekend, bringing the fastest racing sailboats in the world to New York for the first time in almost 100 years.

On Saturday, we watched what turned out to be non-action from a media boat. And on Sunday, we visited the Land Rover BAR boat and chatted up some of the team's sailors and biggest supporters.

Conditions  were never ideal for sailing: Saturday's racing was canceled due to a lack of wind, and gusty conditions on Sunday made the racing a stop-start affair.

But in its best moments, the event was pure spectacle, as the massive boats jockeyed for position within feet of one another, spectator boats, and the crowd-lined shores.

It was the epitome of what the sailors called "stadium sailing," or racing held on tight courses close to the shore.

Things changed quickly during the competitions, especially as unpredictable wind shifts carries boats from last place into first and back again. 

"The wind went from zero to twenty and back," Land Rover BAR sailor Paul Campbell-James said after racing concluded.

Emirates Team New Zealand came out on top, while Oracle Team USA settled for second place and Groupama Team France third.

The series continues in Chicago, June 11-12.

SEE ALSO: Here's how to make a 3,000 pound America's Cup sailboat fly

The morning before the Saturday's races were set to begin, classic "J-boats," of one of the most celebrated and beautiful classes of America's Cup racers, glided across the New York harbor. That's "Ranger" (a replica of the 1937 Cup defender) on the right and "Topaz" to the left.



Just after noon, a massive flotilla of spectator boats converged on the race area.



That's "Freedom," the successful 1977 Cup defender, which sailed from Connecticut for the races.



See the rest of the story at Business Insider

25 books every entrepreneur should read

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mark cubanYou are what you read, and if your goal is to build a massively successful company where you call the shots, you might want to start with the following books.

We spoke with wildly successful entrepreneurs and VCs like Mark Cuban and Peter Thiel and pored over years of interviews with star founders to find the books that every aspiring entrepreneur should read.

Here are their top recommendations.

Bianca Male, Aimee Groth, Richard Feloni, Natalie Walters, and Alison Griswold contributed reporting to this article.

SEE ALSO: 33 business books every professional should read before turning 30

"The Fountainhead" by Ayn Rand

Self-made billionaire Mark Cuban tells Business Insider that this book is required reading for every entrepreneur.

It's also a favorite of Charlie O'Donnell, a partner at Brooklyn Bridge Ventures. He says:

I don't know any book that sums up the entrepreneurial passion and spirit better than "The Fountainhead" by Ayn Rand: "The question isn't who is going to let me; it's who is going to stop me."

Get it here >>



"The Effective Executive" by Peter Drucker

This is one of the three books that Amazon CEO Jeff Bezos had his senior managers read for a series of all-day book clubs. Drucker helped popularize now commonplace ideas about management. For example, managers and employees should work toward a common set of goals.

"The Effective Executive" explores the time-management and decision-making habits that best equip an executive to be productive and valuable in an organization.

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

Get it here >>



"The Innovator's Dilemma" by Clayton Christensen

Bezos also had his executives read "The Innovator's Dilemma," one of the all-time most influential business books and a top pick of several other founders and VCs, whose reviews are below.

Steve Blank, a former serial entrepreneur who now teaches at UC Berkeley and other schools, says of the book:

Why do large companies seem and act like dinosaurs? Christensen finally was able to diagnose why and propose solutions. Entrepreneurs should read these books as "how to books" to beat large companies in their own markets.

Chris Dixon, an investor at Andreessen Horowitz and a former cofounder and CEO of Hunch, notes:

"The Innovator's Dilemma" popularized the (often misused) phrase "disruptive technology," but there's a lot more than that one big idea. Great insights into the "dynamics" (changes over time) of markets.

Get it here >>



See the rest of the story at Business Insider

Panama Papers: Here are some of the biggest British-based celebrities to be named in the latest data dump

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Simon Cowell

The International Consortium of Investigative Journalists (ICIJ) published a huge database on Monday detailing how some of the world's wealthiest and most powerful people legally hide their cash — dubbed the "Panama Papers."

The database consists of more than 200,000 companies, trusts, foundations, and funds incorporated in countries around the world and countless names of the wealthy, and often famous people who shelter their cash there. 

The findings of the so-called Panama Papers investigation were first unveiled at the beginning of April. 

Over 11 million documents held by the Panama-based law firm Mossack Fonseca had been leaked to the German newspaper Süddeutsche Zeitung. The paper shared the information with the ICIJ, which is made up of 107 media organizations in 78 countries.

It should be noted that the ICIJ doesn't allege any wrongdoing against any of the people or firms named, saying in a statement on its website along with the documents: "There are legitimate uses for offshore companies and trusts. We do not intend to suggest or imply that any persons, companies or other entities included in the ICIJ Offshore Leaks Database have broken the law or otherwise acted improperly."

Business Insider scanned the database for newsworthy or prominent individuals or organizations in the worlds of finance, politics, technology, and others. Here are some of the most interesting UK-based or affiliated people we've found so far.

Simon Cowell — Music industry man Cowell, famous for his harsh judging style on shows like the X Factor and American Idol, has an interest in a firm called Eaststreet Limited.

Source: ICIJ



Paul Burrell — Former royal butler Burrell is best-known for his time with Princess Diana prior to her death. He and his wife Maria have links to an offshore entity called Black Dragon Group.

Source: ICIJ



Willian — Chelsea football star Willian, full name Willian Borges da Silva, is a beneficiary of and a shareholder in a company called Saxon Sponsoring Limited.

Source: ICIJ



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The 10 best big cities in the US to buy a home instead of rent

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st. louis

In a lot of big cities, buying a home only makes financial sense if you're staying put for a while. In New York City, where the housing market is notoriously competitive, it may not be worth your money to buy a home unless you live there for 18 years.

That's according to a recent SmartAsset report, which calculated the "breakeven point"— the point at which the total costs of renting become greater than the total costs of buying — for 29 major cities.

Read the full methodology.

Everyone's situation is different, and there is no universal answer to the rent versus buy question. In this analysis, the cities with the shortest time to break even are the best places to buy.

Here, we rounded up the 10 cities with the shortest breakeven points. We also included the average monthly mortgage payment, monthly rent, and home price, from SmartAsset's report:

SEE ALSO: How long you have to live in 15 major US cities to make buying a home worth your money

Tampa, Florida

Average monthly rent: $1,349

Average monthly mortgage payment: $776

Average home price: $191,536

Breakeven year: 4.1



Charlotte, North Carolina

Average monthly rent: $1,168

Average monthly mortgage payment: $757

Average home price: $186,693

Breakeven year: 4.1



Atlanta, Georgia

Average monthly rent: $1,263

Average monthly mortgage payment: $823

Average home price: $202,969

Breakeven year: 4.1



See the rest of the story at Business Insider

A stunning glacier in Iceland shows exactly how much the climate has changed

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iceland glacier lagoon

Jökulsárlón Lagoon in Iceland is one of the most visually arresting spots on Earth.

The lagoon sits at the base of Breiðamerkurjökull glacier. Close to the sea but slightly below sea level, it is filled with huge chunks of ice that keep breaking off the glacier. As these icebergs flow towards the Atlantic, they often wash up on the lagoon's black sand beach, making for some eye-catching optics.

However, while it's a stunning spot, it's also a visual representation of climate change, as visitors can observe the dynamic melting of the Breiðamerkurjökull and Vatnajökull glaciers that feed it.

In fact, the lagoon didn't even exist 60 years ago.

Below, we've gathered some stunning pictures that will make you want to visit Jökulsárlón Lagoon.

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The lagoon is about 200 miles from Reykjavik, within Vatnajökull National Park. The park is also home to Iceland's largest glacier, of the same name.



It's relatively new. Until about 60 years ago, the Vatnajökull glacier covered most of the land in the area.



The glacier started receding around 1948, leaving behind deep gorges that filled with melted glacier water, which ultimately became the lagoon.



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This hulking beast just joined the bald eagle as a US national animal

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Yellowstone Bison shutterstock

The oak tree, the rose, and the bald eagle have some new company as official symbols of the US.

On May 9th, President Obama signed into law a bill that honors the country's largest land mammal, the American bison, as our national mammal.

The National Bison Legacy Act is long overdue.

More than 100 years ago, the bison — one of the most majestic, if smelly, creatures on Earth — rebounded from near-extinction. Today, they happily roam all across the country.

Here are some amazing facts about America's most prized animal.

The bison is more American than apple pie.



Often mistaken for the buffalo, the bison features one defining characteristic: its hump.



The muscular hump acts as the bison's snowplow, allowing the beast to swing its head from side to side, pave a path through drifts of snow, and reach grasses hidden below.

Source: National Park Service



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19 types of coworkers you absolutely can't stand

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dwight

We recently solicited readers to submit their most pressing career-related questions.

With help from 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," we've answered the following: "I have a really annoying coworker. What can I do about it?"

She says that there are all different types of obnoxious, rude, and offensive people.

"Luckily, though, there are ways to tackle the many varieties. But it takes patience, tact, and the ability to see the big picture," she said.

Here are 19 types of coworkers you absolutely can't stand — and how to deal with each of them:

SEE ALSO: 24 signs you have a terrible boss

1. Blabbermouths

Office and personal phone calls — especially with significant others — music, and repetitive noises can easily drive anyone nuts.

"Consider approaching the noise offender privately, using as much diplomacy as you can muster," says Taylor. "You also have several defensive moves: wearing headsets; putting up a 'quiet zone' sign as needed; and remember to take breaks. (And make sure you assess your own chatter meter before you approach others.)"



2. Gossip mongers

"Some workers love being known as the office gossip, as it is a warped view of 'information is power,'" says Taylor. "Politely excuse yourself from the rumor mill, explaining you have work to do. If you're captive, give neutral responses, like, 'I try not to get involved with that stuff.'"



3. Chompers, slurpers, and coughers

The list doesn't stop there.

"There are sneezers, throat clearers, and much more," says Taylor. "Talk to your fellow worker in private."

Try asking if they feel all right — which is a nice gesture, but also a way to let them know that you notice the annoying sounds they're projecting.



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The smallest house on the market in San Francisco just sold for $550,000

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small san francisco cottage studio

San Francisco is known for having the most expensive real estate market in the US with no shortage of people willing to spend an arm and a leg to live there.

And now, someone has snapped up the smallest house on the San Francisco real estate market for $550,000.

That might seem on the more affordable side in San Francisco until you realize the "studio cottage," as it was called by the agent at Paragon Real Estate Group, is only 363 square feet.

That means the buyer paid over $1,500 per square foot for the property.

The mini house is in the Mission District and will be featured on HGTV’s "Tiny House Hunters,"according to Curbed San Francisco. It has only two rooms and an outdoor patio area.

Keep reading to see inside the home.

SEE ALSO: How much money it takes to live comfortably in the 50 biggest US cities

Welcome to 444 14th Street, which just sold in San Francisco for $550,000.



It sits behind a three-unit apartment building in San Francisco’s Mission District.



The house is only 363 square feet.



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