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Apple is about to open a monster retail store that looks totally different than all the others (AAPL)

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Apple has opened a new store in Union Square in San Francisco. And it looks...different.

Gone are the wide sheets of brushed aluminum and blue LEDs. Instead, there's a whole lot of trees and warm lighting. And the giant plane of glass and wide-open spaces have grown gianter and wider-open.

Apple says this woodsy aesthetic represents the future of Apple's store design, and will arrive at more stores in the future. TechCrunch's Matthew Panzarino and Apple analyst Rene Ritchie were on site to give everyone not in San Francisco an early look at this new architecture.

There are giant, floor-to-ceiling glass doors at the front of the building.



They're 42 feet tall, and open 40 feet wide.



Here's what they look like when they open.



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6 great summer side gigs for new grads to make some extra cash

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With a high school diploma in hand, you probably feel like the world is yours. And hey — you should! But you've still got to pay to play.

It's a long, hot summer that lies between graduation and dorm room move-in day, and all the camping trips, summer concerts, and ice cream cones you'll want to enjoy during that time don't come free of charge. Someone's gotta pay for all that revelrie. That's where the trusty part-time job comes in. And, if you're lucky, you'll land a gig you can keep doing part-time once school begins.

Here's a bunch of smart summer side gigs for new grads.

SEE ALSO: Why you shouldn't quit your job to become a full-time entrepreneur

1. Score a paid internship

You can kill two birds with one stone in the side job department. Land a paid internship in your desired field to make money now and earn experience for your future.

Whether it's engineering (inquire with the engineering and tech companies in your area), teaching (search for opportunities with summer schools and camps), or journalism (look for a gig at your local newspaper), there's probably an internship, apprenticeship, or regular part-time job out there that will pay you to get a head start on your career.

If you don't find any advertised gigs that appeal to you, utilize your go-getter attitude and call some local businesses that do work that you find appealing. Sometimes the best jobs are the ones we create for ourselves.



2. Make money tutoring

Fresh out of calculus, you're a prime candidate to prime the incoming senior class, especially those who are struggling with Pythagorean theorem basics. Or maybe you're a wiz at essay composition with the patience and creativity to help students who are looking to spruce up their college admittance essays. Whatever your academic strong suit, use it to bring in a little extra cash while aiding the scholastic pursuits of others.

And if you're not comfortable teaching academics, don't think you can't make money teaching skills you are comfortable sharing, such as computer word processing, social media basics, or a musical instrument. Lots of kids (and adults) need help in these areas.

In addition to working face-to-face with students in your area, you can also tap into the deeper pool of students-in-need-of-tutoring online. Check out Student-Tutor and Tutor.com to get started. The going rate for a private tutor falls around $15 and $20, depending on your age and experience level.



3. Cash in on the summer festival circuit

Summer brings a flurry of fairs, markets, outdoor theater, and concerts to the neighborhood, and all of these activities need temporary employees to keep things running smoothly. From ticket salespersons to parking lot attendants, there are a slew of jobs available, and many of them come with perks such as ticket discounts or free entry to these events.

Keep your eye on the local paper or contact event organizers and concert venues directly to inquire about part-time job opportunities.



See the rest of the story at Business Insider

This man captures aerial photos of the most exquisite vacation spots in the world

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Maroubra Bay Swimmers Gray Malin beach photography

Beach photos are a dime a dozen on Instagram, but photographer Gray Malin serves up spectacular pictures of beaches and pools that turn the genre into art.

Malin's aerial shots of vacationers can make beach scenes look like playful, colorful wallpaper patterns or storybook illustrations. He even hops in a helicopter sometimes to get his photos.

Malin's most popular works feature aerial beach scenes, quirky animals, and a smorgasbord of colors. 

Let's dive in to see what makes Malin so successful. 

This is Gray Malin, the photographer whose aerial beach pictures have become a global brand.



To capture his popular beach scenes, Malin travels to many different countries.

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Italy and Australia are home to some of the most iconic shots.

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See the rest of the story at Business Insider

Goldman Sachs CEO Lloyd Blankfein has finally sold his $13 million Hamptons home — take a look inside

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Goldman Sachs CEO Lloyd Blankfein finally sold his Sagaponack, New York, estate, according to The Wall Street Journal.

First listed all the way back in 2007 for $14 million, the mansion has undergone a series of listings and price changes, the highest of which was $17 million in the summer of 2015.

The most recent listing was for $13 million, though it's not clear what the final selling price was.

In 2012, the CEO bought another house in Bridgehampton worth $32.5 million, which is reportedly the reason he elected to let go of this one.

Blankfein bought the property in 1995 and commissioned architect Larry Randolf and builders Men at Work to complete the mansion in 2001. The property has seven bedrooms, five full baths, a heated pool, and tennis courts, according to the listing.

Susan Breitenbach of the Corcoran Group handled the listing as of the sale.

Lucinda Shen contributed to an earlier version of this post.

SEE ALSO: Inside the enormous Hamptons mansion where celebrities like Beyonce and Jay Z regularly stay for $1 million a month

DON'T FORGET: Follow Business Insider's lifestyle page on Facebook!

Welcome to Lloyd Blankfein's summer home in Sagaponack, New York. Architects capped off the romantic estate with a barn-style roof.



The front doors open into a simple foyer. Light streams in from floor-to-ceiling windows on nearly every wall.



Take a seat in the summery, beige-and-cream-colored living room.



See the rest of the story at Business Insider

The best honeymoons for adventurous couples

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The honeymoon is just the first of many big adventures you'll share as Mr. and Mrs., and while there's nothing wrong with lounging on the beach sipping frilly drinks for days, some newlyweds crave a cocktail of thrills and adventure instead.

In recent years — perhaps since the dawn of Pinterest? — it seems as though weddings have been veering from tradition in the most unique ways, especially when it comes to the ceremony. Couples are taking the destination to entirely new levels, tying the knot with a backdrop of stalactites, walking down the aisle of a Boeing 737, and exchanging rings 13 feet underwater in the South Pacific. And when it comes to where to go and what to do after saying, "I do," there’s no shortage of ideas just as cool.

Sure, you can have the most blissful week of your lives without ever stepping foot outside of your romantic all-inclusive resort. With private beach-side butler service, who could blame you? But if you find it just as swoon-worthy a prospect to hike to the top of an active volcano and roast marshmallows over lava smoke, these far-less-frequented honeymoon destinations and excursions are for you.

As a duo with a shared sense of adventure, you know by now where the two of you fall on the risk spectrum, and that can help to determine location and just how much daring you'll do. Your romantic getaway can include a thrilling day trip to break up the R&R or be a full-on expedition, like the road trip this adorable New Zealand couple set off on in 1961, and again for their anniversary 55 years later.

From a "bait to plate" fishing experience off the coast of Barbados to a hot air balloon ride in the Italian countryside, Here are 10 exciting alternatives to the average honeymoon experience.

SEE ALSO: 27 stunningly remote hotels that are worth the trip

Hike Guatemala's active volcano.

Couples who really like to live on the edge might want to take the most fearsome path up Volcan Pacaya, the most active volcano in Guatemala, which would be to climb straight up into its mouth. The less risky route would be to hike an hour around the sides of the volcano with the assistance of a certified guide. The entire expanse of Pacaya is covered in ash; some of it is black from a recent explosion in March 2014, and other areas are light gray from the eruption of 2010. Activities on the volcano include roasting marshmallows over lava smoke, shopping at the National Geographic award-winning Volcano Store (which supports the Guatemalan craftswomen whose homes were destroyed in the eruptions), and savoring the sliding descent while ankle-deep in ash. 



Explore the French Riviera in a sports car.

Rent a classic car, like an Aston Martin dbs or Porsche 356 Speedster, and set off on a dreamy tour through the south of France. A must-see along the way is the Quai des Pêcheurs fish market and the colorful Cours Massena spice market in the bustling marina of Antibes. The next stop, St. Paul de Vence, is located high in the lush mountains of the Mediterranean. (Its isolated location made it a favorite hideaway of artists like James Baldwin and Bernard Hassell.) In Villefrance, a vigorous walk around the Citadel, an impressive stone fortress built in 1554, may inspire you to add films that were shot in the destination, like the 1955 movie To Catch A Thief starring Cary Grant, to your Netflix queue.



Go paddle-boarding in Gurabo, Puerto Rico's non-touristy "countryside."

Couples that gravitate towards a secluded, laid-back vibe should visit the remote area of Gurabo, Puerto Rico, where verdant hillsides surround the peaceful Carraizo Lake. The destination is only a 30-minute drive from the busy capital of San Juan. Here, Paddle Paradise hosts kayaking, paddle-boarding, and zip-line excursions for nature lovers. The trip to the lake is made all the better by Wilson, a Labrador mix who serves as a playful companion to visitors.



See the rest of the story at Business Insider

How to answer one of the trickiest job interview questions about money

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Discussing salary is always a bit uncomfortable, but it's especially tricky when a hiring manager asks what you currently make during a job interview.

Why? There are a few reasons.

First, maybe they were going to offer you, say, $90,000 — but you tell them you currently make $65,000. Once they hear that, they might decide to offer you just $70,000.

Second, maybe they can only offer you $60,000 because that's all they have in the budget for this particular position. When you say you currently earn $65,000, they might think they can't afford you or assume you wouldn't be willing to take a pay cut, and therefore decide not to move forward with you as a candidate.

Third, if you make much less than the average person in your job, the employer might assume you're not a highly valued employee. If you're paid a lot more than the average worker in your position, they might assume you're overqualified.

And lastly, it's just awkward to discuss how much you earn, especially with a stranger.

But whether you like it or not, there's a good chance this question will come up in the interview process.

We spoke to 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,"who provided tips for handling this query. Here's what she said:

SEE ALSO: What to say when the interviewer asks, 'Why should we hire you?'

1. Be informed

Enter the interview armed with all the knowledge you can about the salary range for the position, so you'll put your best foot forward, says Taylor. "Visit salary sites like Payscale.com, Glassdoor.com, Indeed.com, and Salary.com to get insight — but also tap into your contacts on LinkedIn and other networks."

She suggests talking to people you may know who work at the company, used to work there, or people who know others who have worked at the firm. "Know in advance your desired salary range and try to be realistic based on your research."

You might be fortunate enough to get the inside scoop during your discussions with HR before getting into the interview. "That would certainly give you a leg up in your salary negotiations," she says. "But many companies will want to vet your experience more closely before divulging their budget."



2. Deflect

"It's often a game of who'll blink first, but it's well worth trying, using a great deal of diplomacy: 'Well I'm flexible on salary. The position and its growth potential are much more important to me than compensation. Would you be willing to share the rough salary range you have in mind for this position?'" Taylor suggests. 

The interviewer might be easy on you and give you a ballpark. In the worst case, they'll say, in effect, "I asked you first," putting you back in the hot seat.



3. Gauge the situation

If you think your desired salary is too high, inquire about other compensation factors, such as 401(k)s or vacation policies, versus a higher or equal salary. If your salary is extremely below market (one of the reasons you may be leaving your current job), explain why.

"Maybe you've taken on greater responsibility lately, which isn't yet reflected in your salary, or your department has downsized," says Taylor. "You don't want to alarm the interviewer into believing you're underqualified."

Either way, you're adding depth and context to your answer, versus a terse answer: "I make X.""You're also dialing down the 'deal killer meter' by inviting discussion, talking up your strengths and asking questions," she says. 



See the rest of the story at Business Insider

Real-estate experts say these will be the 10 hottest US neighborhoods in 2016

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Where will American homebuyers turn in 2016?

According to real estate website Redfin, which releases an annual list of the hottest neighborhoods nationwide, buyers will be prioritizing affordability, charm, and access to public transportation in 2016. The emphasis on affordability explains why the San Francisco Bay Area — where the median sale price of homes is now over $1 million — didn't crack the top 10 for the first time.

"Another trend that has emerged in this year's hottest neighborhoods is that buyers are looking for homes and neighborhoods with character,"Redfin reports.

Here, we've highlighted the 10 neighborhoods projected to take off in 2016, which Redfin ranked by looking at the most recent growth in page views and favorites per home on their site.

We also included the median number of days a home is on the market in that neighborhood, the median sale price for 2015, and insights from local Redfin real-estate agents:

SEE ALSO: These will be the up-and-coming neighborhoods in 30 major US cities in 2016

10. Roosevelt, Seattle

Roosevelt, which has been heating up in recent years, rounded out the top 10, thanks in part to its prime location. "Roosevelt touches the interstate, so people have easy access to downtown Seattle or can easily escape for the weekend,"says local agent Dorothee Graham.

Plus, there are a bunch of easily accessible parks, including Cowen Park, Ravenna Park, and Green Lake.

Median days on the market: 7

Median sale price: $623,500

See more Roosevelt real-estate trends.



9. Powderhorn Park, Minneapolis

While Powderhorn Park cracked the top 10 nationwide, it has stiff competition in Minneapolis and ranked the second-hottest neighborhood in this up-and-coming Minnesota city. The median sale price is on of the lowest on this list: $180,000.

Plus, residents enjoy plenty of green space, thanks to Powderhorn Park and Lake situated in the center of the neighborhood.   

Median days on the market: 32

Median sale price: $180,000

See more Powderhorn Park real-estate trends.



8. Hampden, Baltimore

Hampden offers home prices that are hard to beat. "Houses are relatively affordable and have a historical touch and lots of potential to upgrade into a dream home,"says local agent Chris Calabretta.

The food scene is also top notch, with an abundance of locally owned restaurants, he notes.

Median days on the market: 32

Median sale price: $198,000

See more Hampden real-estate trends.



See the rest of the story at Business Insider

Abandoned Dutch prisons are now being used to house refugees

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Tens of thousands of refugees from all over the Middle East — countries like Syria, Iraq, Morocco, and Lybia — have found an unlikely haven in the Netherlands.

Crime has been on the decline for the last decade, and dozens of Dutch prisons have been forced to close their doors as a result. To stay afloat, some have welcomed inmates from Belgium or Norway.

Now the Dutch government agency responsible for housing asylum seekers has opened the doors of prisons in 12 locations around the country, servicing hundreds of people in need, the AP reports.

Unlike American prisons, the facilities are uniquely suited to serve as temporary homes given their wide-open spaces and array of amenities.

Here's what life is like on the inside.

Last year, the Netherlands saw approximately 60,000 migrants enter the country.



While most were given help finding traditional shelter, the Dutch government called on its prison system to offer its increasingly vacant facilities.



In Haarlem, the former prison of De Koepel features layers of cells on the perimeters of a main courtyard.



See the rest of the story at Business Insider

4 public speaking traps you should avoid, according to TED Talk curator Chris Anderson

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Are you a rambler, a bore, or a wanna-be motivational speaker who's all style and no substance? These are some of the presentation styles that TED Talks president Chris Anderson believes could ruin your reputation as a speaker.

In his new book, "TED Talks," Anderson says that the following four styles are to be avoided on a TED stage at all costs. Based on my experience as a communication coach, I would go one step further — these styles should be avoided in all types of business presentations.

SEE ALSO: The 20 most popular TED Talks of all time

1. The sales pitch

"The most effective salespeople put themselves into their listeners' shoes and imagine how to best serve their needs," writes Anderson. A difficult concept for many business presenters to accept is that the less they overtly 'sell,' the more likely they are to make a sale.

When I wrote a book on the Apple Store retail model, I asked a senior executive how Apple became the most profitable store in America. "Because we don't sell stuff," he said. "We enrich people's lives. And when you enrich lives, magical things happen."

Anderson is making the same point as the Apple executive. When delivering a presentation, "Build a reputation as a generous person, not as a tedious self-promoter."



2. The ramble

Chris Anderson was mortified (and furious) when a speaker in his first TED conference delivered a rambling, unfocused presentation. Worse, he boasted about being unprepared. "As I was driving down here wondering what to say to you …" the speaker began.

People are giving you their time, says Anderson, so be respectful and deliver a presentation that you've practiced and has a clear direction.

I share Anderson's frustration with meandering business presentations. Recently I sat in the front row of an annual sales meeting that began with the CEO admitting that he had put together the PowerPoint the night before.

The presentation reflected his lack of preparation. Salespeople in the audience even pointed out inaccurate numbers. "I'm sorry. I just slapped this thing together at the last minute," the CEO responded as he rambled aimlessly from one slide to another. The audience was let down and the CEO had failed to inspire his team.



3. The org bore

"An organization is fascinating to those who work for it — and deeply boring to almost everyone else," writes Anderson. Presentations that focus on the structure of your organization or "your fabulously photogenic team" will leave your audience snoozing.

Leaders love org charts, but audiences don't. Instead, Anderson recommends that you focus on the nature of the work you're doing and the results. Think about what's in it for the audience.

Anderson offers a clear "before and after" example.

Before: Back in 2005, we set up a new department in this Dallas office building to investigate how we could slash our energy costs. I allocated our vice president to the task. Let me tell you more about him …

After: Back in 2005, we discovered something surprising. It turns out that it's possible for an average office to slash its energy costs by 60% without any noticeable loss of productivity. Let me share with you how we did it …

The second example is delivered in a style that retains a listener's interest and offers a key takeaway — something the audience will learn. The "before" style is "lazy" and "self-serving," says Anderson.



See the rest of the story at Business Insider

15 daily habits that are easy to practice and can significantly improve your life

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Selfie Mirror

Want to pick up some good habits? The best approach is to start small.

In the Quora thread "What are some good 'mini habits' to practice each day?" readers shared the simple habits you should follow every day to become a happier, healthier, or more productive person.

The best part is, each one takes only about five minutes to complete.

Here are some of our favorites:

SEE ALSO: 11 skills that are hard to learn but pay off forever

DON'T MISS: 13 highly useful life hacks you can learn in a minute or less

1. Brush your teeth and floss

Brushing and flossing your teeth not only prevents gingivitis and tooth decay, but it can also save your life.

The American Dental Association recommends you brush twice a day for two minutes and floss once a day. If you don't, you could be putting yourself at greater risk for developing dementia, diabetes, kidney disease, and cancer, among other things. — Pankesh Bamotra



2. Smile at yourself in the mirror

Just after you brush your teeth, look at yourself in the mirror and smile, holding the smile for 10 seconds. Dr. Robert Zajonc, a famous psychologist, believed facial action leads to changes in mood, and in a 1989 study he found that participants who watched themselves smile in a mirror experienced a greater boost in mood than those who simply smiled. — Nistha Tripathi



3. Write down the day's most important task

Also known as "eating the frog," decide on the one task you must perform that day to be successful and do it first thing when you get to work. — Patrick Mathieson



See the rest of the story at Business Insider

The 50 most dominant athletes alive

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4x3_50 most dominant athletes alive

Our list of dominant athletes covers stars from all over the world whose superiority over their respective sports has led to unparalleled success.

Some of the names on here are mainstays — recognizable athletes who have reigned supreme in their sports over long periods of time and aren't going anywhere.

Others are athletes who are on the rise, up-and-comers quickly proving that they are and will be forces to be reckoned with in years to come.

Check out our list of the 50 most dominant athletes alive below.

Cork Gaines contributed to this list.

50. Miesha Tate

UFC fighter

Age: 29

Tate has won five fights in a row, dating back to 2014. Her most recent win was over Holly Holm — who beat Ronda Rousey — by submission. A rematch with Rousey, to whom Tate lost to in 2013, would be intriguing.



49. N'Golo Kante

Leicester City center midfielder

Age: 25

Kante was the best player on the best team in England this season, the speedy box-to-box midfielder who unlocked Leicester City's devastating counterattack by defending well and distributing even better. The Foxes' dream season wouldn't have happened without Kante, and now the French international is expected to sign with a bigger club in England.



48. Teddy Riner

Judoka

Age: 27

Riner hasn't lost a match since 2010. The French heavyweight has won Olympic gold in 2012, six world championships — including the last three from 2013 to 2015 — and the 2015 World Masters.



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12 of your biggest cooking questions answered with science

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If you're like me, there are some parts of cooking that are completely baffling. I'm not just talking about figuring out the recipe. Sometimes I also just wonder what sort of chemical reactions are going on that makes the food taste so good and turn out the right — or wrong — way.

Without further ado, here are the scientific answers to some of your biggest quandaries in the kitchen.

NEXT: The definitive, scientific answers to 20 health questions everyone has

CHECK OUT: 14 of your most embarrassing questions about wine answered with science

How much water do I need to cook my rice?

Here's a general rule: For every cup of rice you cook, you'll need two cups of water. However, Dan Souza, the executive editor of Cook's Science at America's Test Kitchen and one of the authors of "The Science of Good Cooking," told Business Insider that this isn't always true. There are a number of other factors that influence how much water you're going to need, including what size the pot is and how much evaporates.

"If you have a ratio of 1:2 and you double that to 2:4, you're saying you're going to get double evaporating because you doubled it, and that's not true," he said. So keep this in mind the next time you try to double your portions.



Does searing a steak really sear in its juices?

Many cooks will tell you that searing your meat ensures all the good juices stay inside. That's not quite true. While you're searing a steak on a high temperature, you're making a crispier crust on the steak, but that crust isn't responsible for keeping in any liquids.

"Nothing about making a crust on the outside of a steak is going to trap moisture," Souza said. In fact, he said, muscle proteins at higher temperatures actually squeeze out liquids instead of keeping them in.



What's the best way to preserve nutrients when cooking vegetables?

The best way to preserve and enhance the nutrition in fresh broccoli is to steam them, according to a November 2015 study that evaluated different cooking methods for vegetables, including broccoli. 

One of the easiest ways to steam? Fill a large glass bowl with broccoli, add a tablespoon or so of water to the bowl, cover the bowl with a plate, and then microwave your setup on high for a few minutes. 

 



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Amazon just won over the year's biggest film festival with these 6 movies

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Cafe Society Pascal Le Segretain Getty

Though it's been a quiet year for sales at this year's Cannes Film Festival, Amazon Studios has stood out for not just nabbing the few titles for the taking, but also showcasing movies the company itself brought to the fest.

The streaming giant is quickly becoming a favorite among those in the independent film world thanks to the leaders of Amazon Studios, Ted Hope and Bob Berney, who are legends in the field for the movies they've worked on ("The Ice Storm,""American Splendor,""My Big Fat Greek Weeding,""The Passion of the Christ").

And their model is attracting big-name filmmakers, especially since Amazon insists on releasing its titles in theaters before streaming. (Their biggest competition, Netflix, has simultaneously put original movies in theaters and online, to mixed results.)

Let's take a look at the Amazon titles that are currently wowing audiences in the South of France and when you'll be able to see them.

 

 

SEE ALSO: 8 explosive documentaries that you need to see

"Cafe Society"

Woody Allen looks at old Hollywood in this love story that stars Jesse Eisenberg, Kristen Stewart, Blake Lively, and Steve Carell. The movie, which will be released theatrically through Lionsgate, got a standing ovation when it kicked off the festival. 

Release Date: July 15 (limited), July 29 (wide), on Amazon Prime later in the year



"The Neon Demon"

The latest film from "Drive" director Nicolas Winding Refn stars Elle Fanning, who is thrust into the dark side of the modeling world. It will get a theatrical release through Broad Green Pictures. 

Release Date: June 24, on Amazon Prime after theatrical run



"Paterson"

You'll see Adam Driver in a very different role at the movies later this year before he returns as Kylo Ren. In director Jim Jarmusch's latest, Driver plays a bus-driving poet who lives in Paterson, New Jersey. Don't be surprised if Amazon leverages this as one of their award-season offerings.

Release Date: 2016 TBD



See the rest of the story at Business Insider

Million dollar homes are the 'new normal' in these 4 cities

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The million-dollar home used to be a rarity in the United States, but is now becoming commonplace in several of America’s largest housing markets. Among the 100 largest metros, San Francisco has seen the largest increase in the share of million dollar homes in the country, growing to 57.4% in 2016 from 19.6% of homes in 2012. It’s followed by two other Bay Area metros, No. 2 San Jose and No. 3 Oakland. But the phenomenon is not limited to the SF Bay Area: metros in Southern California, Hawaii, and the Northeast have also seen noticeable gains, having nearly doubled the share of million dollar homes in just four years.

We also wanted to find out where million dollar homes have spread the most within these regions, so we calculated the value for every home in each region’s neighborhoods between May 2012 and May 2016. We define a million-dollar home as any home – regardless of whether it’s listed for sale or not – with a value of $1 million or more. Here is the breakdown of neighborhoods experiencing the largest increase within each region.

San Francisco Bay Area

Each of the three biggest Bay Area metros – San Francisco, San Jose, and Oakland – have seen massive increases in the share of seven figure homes. There are over twice as many in San Francisco and San Jose, and nearly four times as many in Oakland. While the neighborhood with the largest increase over the past four years is actually in the City of San Francisco – Westwood Park – the other four of the top five are in the small suburb of San Mateo, which is sandwiched between job-rich San Jose and San Francisco.



Southern California

Each of the major Southern California housing markets - Los Angeles, Orange County, Ventura County, and San Diego - have witnessed a doubling in the share of million dollar homes over the past few years. Looking at the Los Angeles-Orange County – Ventura County area, the five neighborhoods with the largest increases are all in Los Angeles County. Pacific Colony and Pacific South Bay neighborhoods in Torrance have seen the largest increase, and sit on or near the border of the ocean-side town of Redondo Beach. Emerald Isle and College Hills neighborhoods – nestled in the foothills of the San Gabriel Mountains in Glendale – have also seen significant changes in the share of homes worth over million.



New York

Of the top 10 metros that had the largest increase in million dollar homes, New York actually saw the smallest relative increase, moving to 12 % of homes from 7%. But that relatively small increase was heavily concentrated in Brooklyn. Of the five neighborhoods that witnessed that great increase, all five are in Brooklyn. Bedford Stuyvesant increased the most, moving from just under 2% of homes valued at least a million dollars to 56.5%.



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Location, location, location: Growth in China is all about where you are

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china constructionChina captured headlines in 2010 when its GDP surpassed Japan’s, creating a shift in the world economic hierarchy for the first time in 40 years. However, that same year, China began showing signs that its rapid growth rate was losing steam.

In 2015, China’s growth was again at the center of international headlines, but the focus was instead on the slowdown of the world’s second-largest economy. Much has been made of China’s adjustment to the “new normal,” even as US-China Business Council (USCBC) companies reported that China remains a priority marketthatdeliversmoregrowththanmosothermarketsaroundtheglobe. But China is not a monolith, and local-level growth patterns suggest the emergence of the new model.

Breaking it down

Despite outside skepticism about China’s economic statistics, 6.9 percent growth indicates at least one hard fact: overall growth has slowed to a 25-year low. Such a slowdown is to be expected as China’s economy gets larger and year-over-year numbers become mathematically harder to sustain. Size matters, however. The GDP added to China’s economy in 2015 at the 6.9 percent growth rate was greater than the GDP added to China’s economy 10 years ago when it grew more than 12 percent. In addition, differences in regional growth rates highlight a more revealing picture. Three provinces and one provincial-level municipality—Guizhou, Tibet, Gansu, and Chongqing—grew more than 10 percent while two rust-belt provinces—Liaoning and Shanxi—reported more dismal growth rates near 3 percent. At the same time, many provinces, such as Guangdong, Jiangsu, Shandong, Zhejiang, and Henan, saw stable growth of about 8 percent.

The discrepancy lies in China’s economic diversity, and the growth engines that differ from region to region. For instance, provinces that have relied on traditional areas of Chinese industry–such as coal, heavy industry, or sectors dominated by China’s state owned enterprises–have seen the sharpest declines in economic growth rates. USCBC analysis of government sources shows how, and sometimes why, local growth rates differ from adjacent regions.



JingJinJi

The Beijing-Tianjin-Hebei region (referred to as “JingJinJi” in China’s economic plans, using their Chinese language shorthand names) serves as an important economic region in Northern China accounting for about 10 percent of national GDP in 2014 and 2015.

Policymakers have long discussed integrating the JingJinJi area into a centralized megalopolis, under the direction of a national-level initiative known as the “JingJinJi Integrated Development Plan.” While not yet released to the public, the idea is to use Beijing’s position as a technological innovation hub and China’s political center, Tianjin’s position as a leader in advanced manufacturing, shipping, and financial innovation, and Hebei’s position as a logistical service base to revitalize and create a regional growth engine based on services and clean development.

The different individual growth rates of Jing, Jin, and Ji represent the potential challenges that integration may bring. Tianjin’s 2015 rate of 9 percent indicates that the city is still enjoying relatively high levels of growth, while Beijing and Hebei’s more modest rates of 6.9 and 6.8 percent, respectively, indicate slowing growth during a time of transition, as the localities tackle industrial overcapacity and the shutting or relocation of high-polluting industries.

It’s difficult to say how growth in the region may be affected in the next five years, as China embarks on supply-side reform under the 13th Five-Year Plan. Hebei is China’s largest producer of steel, and the local government announced in early March, before the posting of its GDP target, that it would be cutting 60 percent of its steel output by 2020. Whether integration with Beijing and Tianjin can help Hebei achieve its GDP growth rate for 2016 remains unclear.



Municipalities

In addition to Beijing and Tianjin, China’s other two large municipalities—Shanghai and Chongqing—posted 2015 rates that speak to how China’s slowdown is felt by different areas in different ways.

Following Shanghai’s 7 percent GDP growth in 2014, the city opted out of setting a target for 2015, the only province or municipality to break precedent. Official 2015 figures indicate the city’s GDP growth clocked in at 6.9 percent. Local media points to strong headwinds in the global trade environment, slowing investment as Shanghai reorients itself as a more services-oriented economic model, and the relocation of low-value manufacturing due to tightening resource constraints. In addition, Shanghai’s economic size also means that its top-line growth rate is likely to naturally slow. Policymakers this year set a flexible growth target of 6.5 to 7 percent growth.

By contrast, over the past few years Chongqing has posted strong official GDP growth gains, increasing slightly from 10.9 percent in 2014 to 11 percent in 2015. Its location in Sichuan province has presumably allowed it to benefit from central policies aimed at western development, such as the One Belt One Road Initiative and government incentives for attracting investment.



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NBA MOCK DRAFT: Here's what the experts are predicting for all 30 first-round picks

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Ben Simmons

We are now one month from the NBA Draft. With the lottery setting the order for the first 14 spots in the draft, many of the experts have weighed in with their mock drafts.

We have collected the mock drafts of 12 experts to get a consensus on how the draft is starting to develop and to see how all 30 picks of the first round might go.

Below we take a look at the player or players most commonly picked by the experts at each spot.

The experts: Chad Ford (ESPN), Andrew Sharp (SI.com), Scott Howard-Cooper (NBA.com), Aaron Torres (FoxSports.com), Jonathan Givony (The Vertical), Derek Bodner (USA Today), Sam Vecenie and Gary Parrish (CBS Sports), Ed Isaacson (Yahoo Sports), HoopsHype, Kevin O'Connor (SB Nation), and Jason McIntyre (The Big Lead)

No. 1 Philadelphia 76ers — Ben Simmons, F

Experts: 8 out of 12

School: LSU

Other possibilities: Brandon Ingram

Key quote from Ford: "There will be a lot of debate in the Sixers' front office on whether to take Simmons or Brandon Ingram. But I think they'll lean toward Simmons ... Philadelphia coach Brett Brown knows him from his days coaching in Australia. Brown desperately needs a playmaker, and new GM Bryan Colangelo wants a player who can contribute right now."



No. 2 Los Angeles Lakers — Brandon Ingram, F

Experts: 8 out of 12

School: Duke

Other possibilities: Ben Simmons

Key quote from Sharp"He shoots well from all over the floor, he's got a perfect frame to turn into a great defender, he plays hard, and he improved as the year unfolded ... Next year's Lakers will basically be a college team, or possibly a six–month fraternity party thrown by Walton. I already love them so much more than everything that happened under Byron Scott."



No. 3 Boston Celtics — Dragan Bender, F/C

Experts: 7 out of 12

Country: Croatia

Other possibilitiesBuddy Hield, Jamal Murray

Key quote from Givony"Power forward has long been a position of need for the Celtics, and it was abundantly clear in the playoffs that Jared Sullinger is not a solution because of his struggles defensively. Enter Bender, whom many feel has a huge upside in today’s NBA because of his defensive versatility, perimeter shooting and outstanding feel for the game."



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A day in the life of Jacob the Jeweler, the man behind the world's wildest jewels and watches

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Jacob the jeweler

For the biggest, boldest bling, A-listers and billionaires have turned to one man for the last 30 years. And for the most complicated watches in the game? Still the same man.

His name is Jacob Arabo, although you may have heard him referred to as "Jacob the Jeweler" in rap songs by Kanye West or 50 Cent. His clientele is a who's-who of the international elite and Hollywood stars, from Cristiano Ronaldo to Jay Z and Beyoncé. The story of his rise through the luxury jewelry industry is, like his designs, larger than life.

Business Insider spent an afternoon with Arabo to learn just how this entrepreneurial Soviet émigré scaled the heights of the over-the-top jewelry and watchmaking business. It's the story of a bold outsider becoming the ultimate insider — and it's filled with diamonds. 

SEE ALSO: How 6 startup execs dress for success

DON'T FORGET: Follow Business Insider's lifestyle page on Facebook!

The first thing you need to know about Arabo is that he lives the luxury life of his clients. But that's been a long time in the works. Born in Uzbekistan, he emigrated with his family to New York at the age of 14, settling down in Forest Hills, Queens.

With a struggling family to help support, Arabo made the decision to drop out of school at 16 and attend a jeweler's trade school in Brooklyn instead. The first piece he ever created was a brass jewelry box, which won him the class design competition.

The rest, as they say, is history. He finished the course in record time, and was quickly set up at a local Jewish wholesale jewelry factory that made mass-market pieces for department stores.

He lied about his age, pretending to be 18 so he could start earning a salary, which was just $125 a week.

"I was hungry to get a job," Arabo said.



But the repetitive factory experience didn't cut it for Arabo. "I knew that I had something in me, that I could do this," he said. He started crafting his own designs, and worked with a salesman to get them onto the market.

When he works on designing a piece, he typically creates a wax model of it first. Here are some recent examples of earring models, as well as a catalogue of early-stage sketches on photographs.



Soon, he was making more than $1,500 a week — more than 10 times his starting salary — and running a makeshift workspace out of his bedroom at his family home in Queens. He recruited some of his peers from jewelry school to assist in the fledgling business.



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How to find Snapchat's hidden dalmatian dog selfie lens

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slack_for_ios_upload_1024

Snapchat is synonymous with silly selfies thanks to its animated lenses.

One of the most popular lenses turns you into a dog with a playful tongue. Snapchat recently made it so that the lens adds a dalmatian when two faces are in frame.

People love the hidden lense, and it's existence is all because of Kim Kardashian. Here's how to use it:

For the uninitiated, you can apply Snapchat lenses by tapping and holding on your face in the app. There are many to choose from, and Snapchat frequently adds new ones to play with.



The dog filter is popular. It looks like this:



About a week ago, Kim Kardashian made the comment that Snapchat should add "like, a dalmatian or a chihuahua" dog lens.



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4 questions to ask yourself before taking extended time off from work

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travel

There are a myriad of reasons why someone might decide to try to take time off of work. Whether it's simply to take a break, to travel, for medical reasons or for something else entirely, most working people have probably considered what a break from work would look like for them.

Of course the reason for your leave of absence will probably dictate how much flexibility you have in terms of how long you can take off and what rights you have with your current job for that leave. Medical reasons, for example, will most likely allow you more wiggle room with your job than if you wanted to take time off to, say, use a month to drive across the country.

No matter your reason for taking some time, though, here are a few things you might want to think about before approaching your boss with your request or before quitting.

SEE ALSO: 11 strategies to earn more, according to self-made millionaires

How much time will you take, and how flexible are you willing to be?

Unless you'll be flat-out leaving your job, you'll need to have at least a pretty solid idea of how much time you want to take off before approaching your boss with your request. If you plan far enough ahead of time, you can work with your employer to make the best use of your vacation, sick and other paid days off, as well as try to pick a timeframe that will least affect the company. For Kurtis Weins, when his 50-hour a week engineering job got to be too much in 2014, he decided to approach his boss with a request.

"Weeks were disappearing before my eyes," Weins said. "Still in my mid 20s, I thought if I had any time to quit and travel, it was then. First I asked my employer for six months of unpaid leave while holding my letter of resignation in my hand, already knowing the likely answer. I quit in July and started my 20 month 'funemployed' adventure."

If your employer won't work with you for the time you need or want, and quitting outright just isn't a possibility, you might consider asking to switch to part-time.

For Rick Lauber, taking some time off work was more of a necessity than a luxury when he decided it was time to provide care and support for his aging parents. Since leaving his job completely wouldn't be an option — especially with two sick parents to look after — Lauber managed to work with his employer and reduce his working hours to part-time.

"This wasn't an easy decision to make as my income was obviously affected; however, my priority then was helping my mother and father with their health needs, and I needed more time and scheduling flexibility to do so," he said. "Working part-time proved to be a good answer as it continued to provide me a modest income and I kept my foot in the door with my employer."



How will you afford it? 

Again depending on your situation, you may be able to work out a deal with your employer where you are paid at least part of your salary (potentially if your leave is medical related), but if you're pretty sure you won't be making any money during your time away, that will require some planning on your part. Weins admits that despite having a reasonable amount in savings, he did have to cash out his retirement fund when he left his country of employment to travel (not something we would necessarily recommend doing). He also received some lucrative tax returns and kept his expenses way down while traveling to cover his costs.

Holly Shulman, on the other hand, always knew she wanted to take some time off and travel for a number of months, but she knew that the only way she could effectively do so was to quit her current job and transition into a freelance role that was more flexible and would allow her to still accrue some income while traveling. "So I left my job at the DNC a few months ago and transitioned to running my own business — freelance PR with the idea that I can continue to work occasionally if I want to supplement my savings for the trip," she said. "I also will be renting my home while I travel, which will help fund the trip."



What will you do about health insurance?

If you're not fully leaving your job but rather taking some time off, you should be able to stay on the health insurance plan you currently have through your employer (though you should double check). If you'll be leaving your job completely, though, you'll need to figure out how you'll cover yourself.

For example, when Tara Tiger was laid off in 2010 during her maternity leave and she and her husband decided to use that as impetus to travel, she was able to get Cobra for part of the year, and then afterwards had to get private health insurance. If you'll be leaving your job completely, check with your employer to see if you qualify for (and can afford) the Cobra option to continue your current health insurance plan for a while, or else check out HealthCare.gov to see what your other healthcare options are.



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13 drinks with more caffeine than a can of Red Bull

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4x3_13 drinks with more caffeine than a Red Bull

And you thought Red Bull was bad.

It turns out that while a can of the vilified energy drink has 80 milligrams of caffeine — just one-fifth the maximum amount you should have each day, according to the Mayo Clinic — one small cup of Starbucks drip coffee has more than three times that amount.

Regardless of how you get your caffeine, it's important to keep in mind that it's a stimulant with some positive and negative effects.

And the amount of caffeine that's in various drinks — or even the same drink from a different chain — can vary dramatically.

Here are 13 drinks with more caffeine than a single can of Red Bull:

SEE ALSO: Scientists have discovered 5 personality traits linked with a long life

DON'T MISS: Here's what the maximum amount of caffeine you should be drinking in a day looks like

One Tall Starbucks coffee



A small Dunkin' Donuts coffee



One 5-hour Energy shot



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