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Inside Manhattan's new IKEA for luxury appliances, where you can test music-playing tubs and $19,000 faucets

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If you’re going to purchase a $19,500 3D-printed faucet, you'll likely want to try it out before you buy.

You can do that at Pirch, a retail chain that sells luxury home and bath appliances in massive showrooms. 

Like Ikea, the products at Pirch are organized into small, life-like displays, called vignettes. Most items on display — from the showers to the pizza ovens — are fully functional, so anyone can turn on the appliances, watch them in action, and imagine them in their own homes. 

The company, which has raised $127 million in venture capital, has locations in nine US cities.

On May 21, Pirch opened its newest location in Manhattan, a three-floor, 32,000-square-foot showroom inside a former metalworks building. CMO Laith Murad tells Tech Insider that the new space houses over 2,500 luxury home appliances from dozens of brands.

Here are the most innovative appliances I saw on my tour.

Note: The listed prices of the items include the features shown in the photos. Starting prices may be lower.

The new Pirch store is located at 200 Lafayette Street in SoHo, Manhattan's premiere shopping neighborhood.



The store sells appliances for three areas of the home: kitchen, bathroom, and outdoors.



Customers can order complimentary cappuccinos or iced coffee in the Bliss Café on the showroom's first floor.



See the rest of the story at Business Insider

I used a device that taught me how to deal with stress for a week — here’s what it was like to use

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Pip stress tracker

Like any other reporter on deadline, I'm no stranger to stress.

And in the age of wearable technology that monitors everything from steps to heart rate, it makes sense that devices that measure stress are popping up as well.

Stress-monitoring devices can be helpful at quantifying your stress throughout the day. But wearing them around all the time and getting near-constant feedback via beeps or buzzes can sometimes result in more stress, not less. So, when I heard about a little un-wearable device for stress called the Pip, I was intrigued. 

Unlike a wearable tracker, the Pip doesn't monitor your stress levels throughout the day. Instead, you devote a few minutes once or twice a day to sit down, pull out your Pip, and practice getting in control of your stress. 

Here's what it was like to use.

SEE ALSO: I wore the stress-tracking Spire device for a week — and it completely changed how I go about my day

DON'T MISS: 8 killer arm workouts you can do virtually anywhere

My Pip arrived in a small white box with a shiny design. The Pip itself costs $179, and the majority of its apps are free.



Insider, there was the Pip, a cord to charge it, instructions, and a cloth pouch to carry my Pip when I wasn't using it.



The instructions were pretty straightforward: Charge your device, set up the corresponding apps, and you're good to go.



See the rest of the story at Business Insider

According to Consumer Reports, these are the best cars of 2016

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Every year, Consumer Reports and its team of automotive experts test and scrutinize virtually every car sold in the US.

Of those cars, a select few stand above the rest and join the vaunted group of vehicles known as Consumer Reports' Top Picks.

To become a Top Pick, a car must excel at the publication's track tests, offer average or better reliability, perform effectively in government or industry crash tests, and return high owner-satisfaction scores in Consumer Reports' surveys. 

This year's Top Picks cover a wide variety of models, ranging from small roadsters to full-size pickup trucks.

In total, 10 cars were chosen, with seven from Japanese brands, two from American brands, and one from a Korean brand. 

So here they are: Consumer Reports' Top Picks of 2016.

SEE ALSO: The Range Rover TD6 reminds America of what it's been missing out on

Best Midsize car: Toyota Camry

Price as tested: $24,089 - $32,603

Why it's on the list: The Toyota Camry has long been one of America's most popular and trusted family sedans. And the latest generation is no different.

"The solid Camry delivers year after year of outstanding reliability, which when combined with impressive crash-tests results, make it a near-perfect sedan," Consumer Reports wrote.



Best Subcompact Car: Honda Fit

Price as tested: $19,025

Why it's on the list: Although the publication criticized the Fit for its excessive road noise and harsh ride, Consumer Reports found the subcompact's great fuel economy, nimble handling, and great interior space to be truly impressive. 



Best Compact Car: Subaru Impreza

Price as tested: $21,345 - $22,345

Why it's on the list: The Subaru Impreza is back on Consumer Reports' Top Picks list once again. So what did the publication like about the sedan?

Well, what didn't they like about the Impreza: Consumer Reports praised the Subaru for its ride, handling, interior space, intuitive controls, safety tech, great crash-test results, its all-wheel-drive system, and the cargo-hauling ability of its hatchback variant. 



See the rest of the story at Business Insider

The most affordable zip codes with the best schools in 31 major US cities

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If you're in the market for a new home for your family, you'll want to consider more than just the sticker price.

"The quality of public schools is one of the most important factors to consider when buying a home, especially for families,"explains Don Ganguly, CEO of real estate investment management firm HomeUnion. "In many cases, home buyers are willing to pay more to be located in a neighborhood with highly ranked schools, even if it means downsizing into a smaller home."

To find the best of both worlds — a strong school system and an affordable home — HomeUnion analyzed median home prices in 31 major metro areas and schools ranked in the 80th percentile or higher by the National Center for Education Statistics (NCES). HomeUnion then identified the most affordable zip code in each area where the local schools met the criteria.

Here, we've listed the most affordable zip codes in descending order of median home prices, as provided by HomeUnion:

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

San Francisco: 94947

Submarket: Novato, California

Median home price: $612,000



San Jose: 95035

Submarket: Milpitas, California

Median home price: $590,000



Miami: 33158

Submarket: Pinecrest, Florida

Median home price: $570,000



See the rest of the story at Business Insider

GOLDMAN: These are the 21 stocks that matter most to hedge funds (DAL, HCA, C, AVGO, PCLN, BAC, PFE, V, HOT, STZ, PYPL, BXLT, EMC, CHTR, MSFT, YHOO, AAPL, AMZN, AGN, GOOGL, FB, SPX, SPY, QQQ, DJI, IXIC)

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Presenting: the hedge fund darlings of the first quarter. 

Goldman Sachs recently published its Very Important Position (VIP) list of stocks that appear the most among the funds' largest 10 holdings. 

Starwood, Alibaba and Home Depot were among the top stocks that joined the list during the quarter and had not made the cut before.

One disclaimer: the list was compiled based on recent 13-F filings hedge funds made. These stocks were held as of the end of the first quarter, and the funds could have since changed their positions.

Goldman ranked the stocks based on the number of funds that had it as a top-10 holding. 

Here are the top 21, in descending order: 

Delta

Ticker: DAL

Subsector: Airlines

No. of funds with stock as top 10 holding: 24

No. of funds with 10 to 200 positions owning stock: 41

% of equity cap owned by hedge funds: 12%

Return year-to-date: -15%

Source: Goldman Sachs



HCA Holdings

Ticker: HCA

Subsector: Health Care Facilities

No. of funds with stock as top 10 holding: 25

No. of funds with 10 to 200 positions owning stock: 35

% of equity cap owned by hedge funds: 12%

Return year-to-date: 15%

Source: Goldman Sachs



Citigroup

Ticker: C

Subsector: Diversified Banks

No. of funds with stock as top 10 holding: 25

No. of funds with 10 to 200 positions owning stock: 40

% of equity cap owned by hedge funds: 2%

Return year-to-date: -16%

Source: Goldman Sachs



See the rest of the story at Business Insider

Home prices are getting out of control in these 18 American markets (Z)

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Home prices are rising faster than Zillow expected.

The real-estate company forecast that prices in April would rise 2% year-over-year, but they jumped nearly 5%, according to its home-value index.

The story is the same: Strong demand from homebuyers coupled with tight inventories is pushing up prices. That has caused bidding wars in some hotbeds like San Francisco.

"The struggle will continue for home shoppers this summer,"Zillow chief economist Svenja Gudell said in a report out Tuesday.

"In many markets, those looking to buy a home in the bottom or middle of the market will need to be prepared for bidding wars and homes selling for over the asking price."

Using Zillow's data, we selected the 18 markets in which the year-on-year home-value change was higher than the national print of 4.9% and ranked them in ascending order. We also included the percent inventory change in bottom- and middle-tier homes, where supply is tightest, as well as the change for condos.

Here they are:

St. Louis

Zillow Home Value Index: $142,900

YoY home value change: 5.4%

Percent inventory change for all homes: -8.10%

Bottom tier percent inventory change: -7%

Middle tier percent inventory change: -12.5%

Condo percent inventory change: -11%



Boston

Zillow Home Value Index: $390,300

YoY home value change: 5.5%

Percent inventory change for all homes: -6.4%

Bottom-tier percent inventory change: -22.3%

Middle-tier percent inventory change: -14%

Condo percent inventory change: -7.1%



Minneapolis-St. Paul

Zillow Home Value Index: $222,000

YoY home value change: 5.6%

Percent inventory change for all homes: -0.7%

Bottom-tier percent inventory change: -4.3%

Middle-tier percent inventory change: -9.3%

Condo percent inventory change: 0.9%



See the rest of the story at Business Insider

The best Android apps in the world, according to Google (GOOG, GOOGL)

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AwardsGoogle recently held its inaugural Play Awards at its IO developers' conference to highlight some of the best apps from around the world.

The company chose one winner in each of 10 different categories, with the final decision made by a panel of Googlers who paid attention to factors like user experience and high star ratings.

In other words, if you have an Android phone you should download these apps:

SEE ALSO: Why Google's smart assistant doesn't have a name like Siri, Alexa, or Cortana

Best App: Houzz

Houzz, which focuses on all things home design, snagged the top award. 

The app lets you browse through tens of millions of high-resolution photos of home interiors, chat with designers, overlay products in your own space using your device's camera, and buy items that really catch your eye. 

Price: Free



Best Early Adopter: World Around Me

Google honored World Around Me for its use of augmented reality to help users discover new places and get around, blending features of Yelp and Google Maps with an AR twist. 

When you open the app, you'll see virtual signs through your camera's image of the real world that will suggest nearby places, like bars, ATMs, or bus stations. You can also search for a spot and get AR-guided directions. 

Price: Free 



Best Families App: Thinkrolls 2

Thinkrolls helps kids get smarter by letting them guide little rolling creatures through a series of challenges while exploring concepts of physics like force, acceleration, and gravity. 

The logic-puzzle game says that it's "molding the next generation of scientific geniuses."

Price: $2.99



See the rest of the story at Business Insider

Here's how much the 15 most popular jobs in the US pay

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According to the US Bureau of Labor Statistics, about 138 million people are employed in the US.

We recently sifted through the BLS's Occupational Employment and Wage Estimates survey to see the breakdown of the jobs these people hold — and how much they make.

The survey, which reflects May 2015 salary and employment data gathered from more than 1 million businesses, shows that "retail salesperson" is the most common gig in America. This type of worker earns $26,340 a year, on average.

Keep scrolling to see how much the other most popular jobs in America pay:

SEE ALSO: The highest-paying job in every state

15. First-line supervisor of office and administrative support workers

Number of people with this job in the US: 1,424,450

Average annual pay: $56,170



14. Bookkeeping, accounting, or auditing clerk

Number of people with this job in the US: 1,580,220

Average annual pay: $38,990



13. Heavy or tractor-trailer truck driver

Number of people with this job in the US: 1,678,280

Average annual pay: $42,500



See the rest of the story at Business Insider

The 29 most shocking deaths in all of 'Game of Thrones'

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hodor dies game of thrones hboNote: Spoilers for "Game of Thrones" ahead.

The death toll has been rising exponentially on the current season of "Game of Thrones." That's a necessary evil as the show winnows down the contenders for the Iron Throne.

But that doesn't mean that fans have become numb to the casualties. Each death still inspires stunned reactions from fans and drives a huge amount of colorful commentary on social media.

Viewers are still reeling from the events that led up to Hodor's (Kristian Nairn) death and the origin of his name in Sunday's episode. Plus fans kept the conversation going through the break between seasons five and six after Jon Snow (Kit Harington) bled to death in the snow. And don't get us started on the intense emotions experienced when one beloved Stark after another fell during "The Red Wedding."

While there are certainly more losses to come, there are many we could never forget.

Take a look at the biggest deaths on "Game of Thrones" below.

SEE ALSO: The 'Game of Thrones' creators apologize for the fallout from this week's episode

DON'T MISS: 6 things that lie ahead for Jon Snow on 'Game of Thrones'

Jon Snow: Stabbed to death by traitors of the Night's Watch. But... brought back by Melisandre.

Death: Season 5, episode 10 ("Mother's Mercy")

Resurrection: Season 6, episode 2 ("Home")



Gregor Clegane aka The Mountain: Killed by poison on Oberyn Martell's sword after winning their duel. But... brought back to life (or the undead) by Qyburn.

Death: Season 4, episode 10 ("The Children")

Resurrection: Season 5, episode 2 ("The House of Black and White")



Hodor: Killed by wights while Bran and Meera escaped a White Walker attack.

Death:Season 6, episode 5 ("The Door")



See the rest of the story at Business Insider

Vincenzo Nibali just won an epic Giro d'Italia — here are our favorite photos from the world's most beautiful bike race after 3 wild weeks

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Nibali snags second Giro win

Vincenzo Nibali just won the Giro d'Italia for the second time after completing a remarkable comeback on the penultimate stage.

The 99th running of the Tour of Italy featured one of the most exciting finishes in recent years. Notably, Dutchman Steven Kruijswijk looked set to win the race overall after some brilliant riding in the high mountains and time trials. He held a huge lead of 4 minutes 43 seconds on Nibali going into the final mountain stages on Friday and Saturday and was on course to make history by becoming the first Dutchman to win the race's fabled pink jersey, AFP noted. But he dramatically crashed out of the lead with just two stages to go and finished off the podium.

At one point earlier in the race, there were reports that Nibali might pull out, having had some bad days that saw him lose time on his rivals. But he surged as the race neared its conclusion, and in the closing stages the "Shark of Messina" attacked and dropped his opponents, including his main threat, Esteban Chaves of Colombia. Chaves ended up finishing second and Spain's Alejandro Valverde was third.

"I had a stomach bug during the Giro, but it's better not to tell everything sometimes," Nibali revealed after the final stage. "The last rest day allowed me to get better. I never said that I wanted to go home. I always remained in the high part of the classification. Steven Kruijswijk had a good advantage after the Dolomites, but I knew the highest mountains were yet to come. Riding above 2,000 metres isn't easy for anyone but I found myself in good shape. Kruijswijk crashed but toward the summit of the Colle d'Agnello, I noticed he was breathing heavily so I put pressure on him climbing and then descending. Had I not done so, probably nothing would have happened and Chaves would have had an easy ride as well. Everyone was watching me."

Nibali, a Sicilian who rides the Kazakh-based Astana team, has previously won the Tour de France and Vuelta a España. The 2016 Giro started on May 6 in Apeldoorn, Netherlands, and finished on May 29 in Torino, Italy. After three weeks of racing, Nibali's official time was 86 hours, 32 minutes, and 49 seconds.

"It's a beautiful emotion," Nibali said. "Today I win my second Giro d'Italia. I'm speechless."

"It's an amazing feeling to ride into Turin with all my teammates like this," Nibali told the AFP. "It's really indescribable."

It was also the 14th consecutive grand tour for Australian Adam Hansen, and so his record his alive and well.

The highest-place American was Delaware native Joe Dombrowski of the Cannondale team in 34th.

Below are some of our favorite pictures from this year's race.

We'll be updating this post with more information and photos. Check back for updates.

SEE ALSO: Our favorite way to watch the Giro, the world's most beautiful bike race

DON'T MISS: Aussie cyclist has an incredible streak going that we may never see again

On stage 20, the penultimate stage and the final showdown for the overall contenders, Nibali's Astana team made their intentions clear, riding prominently near the front of the race in Italy's high mountains.



The Astana team rode strongly on the roads to Sant'Anna di Vinadio to set up their leader, Nibali, center.



Nibali attacked race leader Esteban Chaves, in pink, on the penultimate stage. Nibali distanced the Colombian as well as Spain's Alejandro Valverde, right, to all but secure a second Giro victory. This was the moment the race was won.

These were some of the key moments of the entire race:

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See the rest of the story at Business Insider

5 important things you probably missed on this week's 'Game of Thrones'

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Warning: spoilers ahead for Sunday's episode of "Game of Thrones,""Blood of My Blood."

"Game of Thrones" took us through an exhilarating, and somewhat confusing, hour on Sunday that saw the past either come back to haunt the characters or empower them.

Bran Stark (Isaac Hempstead Wright) got a little of both. He was thrown by an assortment of historical images of the Seven Kingdoms and then woke up to find that someone from his past was back to protect him. Daenerys (Emilia Clarke) also got help after reuniting with one of her dragons and pulling from the past to mobilize her Dothraki subjects.

Meanwhile, Sam Tarwell (John Bradley-West) returned to his family home to a chilly reception. Arya (Maisie Williams) got caught up on the Lannister happenings through watching street plays and then decided on a new path for herself. And another character from the past came out of the darkness.

With all the comings and goings, there may have been some details that viewers didn't catch.

Here are five important things you probably missed on this week's "Game of Thrones":

SEE ALSO: The 29 most shocking deaths in all of 'Game of Thrones'

DON'T MISS: 'Game of Thrones' is having its highest-rated season — here's how many people are watching

Why Benjen Stark is so important.

Benjen Stark (Joseph Mawle) was the mysterious man who saved Bran and Meera (Ellie Kendrick). If you don't count the younger version of him seen in flashbacks earlier this season, the last time we saw the grown Benjen was during the third episode of the show's first season.

The crazy thing is he has played a significant part on "Thrones," even in his absence. Jon Snow (Kit Harington) joined the Night's Watch because of Ned Stark's (Sean Bean) younger brother, who was a member of the Night's Watch. Soon after Jon started his training, Benjen left on a mission north of the Wall to explore reports of Wildling and White Walker activity. He never returned. Later, Jon was part of a search party for Benjen.

Olly (Brenock O'Connor) also used the lie of news about Benjen to lure Jon Snow to his death at the end of season five.

Now, he's back and sounds as if he will be pivotal in Bran's preparation to be the Three-Eyed Raven. 



Why is the Tarly Family sword, Heartsbane, so cool?

One of Sam's last acts before fleeing from his family home with Gilly (Hannah Murray) and the child was to steal Heartsbane, the sword that has been in his family for some 500 years.

Why risk his father's wrath? As the old man said, it's made of Valyrian steel — one of the few materials that can kill White Walkers, aside from dragonstone. We only know of two other swords made of that steel, Jon Snow's and Brienne of Tarth's (Gwendoline Christie).



Yes, that was The Mad King.

Average people only see their own lives flash before their eyes in near-death experiences. For Bran, it's way more than that.

"Bran had to absorb the history of the world, the entire history of the world in imagery," cocreator David Benioff said in the behind-the-episode video. "There's a part of him that's no longer Bran Stark, it's the Three-Eyed Raven. And the Three-Eyed Raven isn't entirely human."

This also marks the first time we've seen the legendary Mad King — Daenarys' father and the last member of the House Targaryen to sit on the Iron Throne — on-screen. What could that mean? We'll have to wait and see.



See the rest of the story at Business Insider

There was a revealing vision in Sunday's 'Game of Thrones' — here's what we spotted

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Warning: Spoilers ahead for "Game of Thrones" season six.

Sunday's "Game of Thrones" episode may have been bloodless for the first time, but there was still loads of action to unpack. 

Right from the start, we were thrown into Bran's continued visions via greenseeing. In the last episode, Bloodraven had told him it was time for Bran to become the Three-Eyed Raven himself. Bran was then launched into a time-travel flashback to Winterfell.

But Sunday's episode shows that Bran was still stuck in a series of visions. There were three rapid-fire flashes of scenes from the past and the future. 

Scroll down for a breakdown of everything Bran saw — and why it's so important.

First, the new scenes. Fans were finally given a look at the Mad King Aerys Targaryen — Daenerys' father and the king Jaime killed during the sack of King's Landing 20 years ago.



Jaime told the story of killing the Mad King back in season three. Aerys was threatening to "burn them all" with wildfire.



In order to save the people of King's Landing from the Mad King's raving, Jaime stabbed him in the back.



See the rest of the story at Business Insider

29 words and phrases you're using at work that make you seem untrustworthy

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How you communicate with others at work plays a big role in how you're perceived, your capacity to move projects, how quickly you advance in your career, and, perhaps most importantly, your ability to generate trust.

That's according 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."

"We sometimes fall into a trap of using trite phrases that engender frustration and mistrust," she explains. "But trust is the cornerstone of any sustainable business relationship, so it's worthwhile to find ways to be authentic and professional with your team and managers.

"Of course a lot depends on the audience, frequency, context, and environment. Still, you should spend some time examining the level of honesty, originality, and emotional intelligence you convey."

No one is immune from this jargon, Taylor says. "However, if you avoid these words and phrases, you'll foster greater credibility, cooperation, and motivation, while advancing your career prospects."

Here are 29 words and phrases that make you seem untrustworthy, with commentary from Taylor:

SEE ALSO: 12 words and phrases you're using at work that make you sound dumb

'Secret agents'

There is a vast contingent of workers that seem to live in a virtual corporate underground of "in the know.""How do you know? They'll tell you," says Taylor.

1. "This is a secret, but ... "

So it's okay if everyone in the office knows the secret, just as long as it's called a "secret?" correct?

2. "I'm not supposed to tell you this ... "

Pretty darn discreet and comforting.

3. "I swore I wouldn't repeat this."

Swear a lot?

4. "If you repeat this, I'm going to deny I ever said it."

This one says, "I'll lie as necessary."

5. "I really don't want have to do this, but ... "

Then please don't and we'll both be much happier!



'Liar, liar'

"Some of these phrases are just overused and annoying, but for some, they can leave a trace of doubt, depending on the user," says Taylor.

6. "I'm not gonna lie."

So if you don't preface a comment with this, I should assume that's the "lie dialog?"

7. "Do you want me to be honest?" 

No, I hate that; stop it now!

8. "Do you want to know the truth?"

It depends.

9. "To tell you the truth ... "

So up until this point, everything you said was fabricated ... got it.

10. "Trust me ... " or "Honestly ... "

I did that once, then joined a large army of prior suckers.



Wishy washers

"When they leave you guessing, you've entered the flim flam zone," she says.

11. "I believe so."

Acceptable: "Wow, I believe it's going to rain." Unacceptable:"I believe I sent the $10 million dollar transfer."

12. "For now, yes ... "

Please define "now," i.e., the layoffs won't happen this quarter … or this morning?

13. "I can't promise this, but ... "

That's funny, because I also can't promise I believe what you're about to tell me.

14. "I'll try... "

This is part of a flimsy package of lingo that comes with: " should be able to,""It should be okay," etc.

15. "This is unofficial."

Also not okay: "I'm just telling you what I heard," and "It's just my opinion, but ... ." These are often indigenous to the break room and water cooler.



See the rest of the story at Business Insider

5 reasons to keep your money separate from your spouse

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Money may not be the root of all evil — but it's the clincher in a great many relationships gone haywire.

Research shows that arguing about money is by far the top predictor of divorce. "It's not children, sex, in-laws, or anything else. It's money — for both men and women," says Sonya Britt, an assistant professor at Kansas State University who conducted a study of 4,500 couples about the interplay between financial arguments and relationship satisfaction.

We all have deeply ingrained beliefs about how money should be spent, when it's appropriate to splurge, and how much we should have stowed away in savings. And it can be difficult to the point of deal-breaking to try and mesh our own attitudes about money with another person's financial beliefs, which very well may differ drastically from our own. That's why a large number of financial advisers urge couples to remain financially independent.

Read on for our roundup of the top reasons why it pays to keep money matters separate in your relationship. (See also: 6 Ways Regular Budget Meetings Might Save Your Marriage)

SEE ALSO: 9 dumb money choices you will probably always regret

1. You'll avoid a power imbalance

Merging finances means there's no more "yours" and "mine" in the money department. The divisions blur and it all goes into the same piggy bank.

But what if your partner earns much more than you, and now you're suddenly living a lifestyle you can afford only with your partner's assist? What if the opposite is true, and you're subsidizing your partner's income with your own earnings? When your relationship is healthy and sparkling, you might not be bothered by either of these scenarios. But what about in the wake of a blowout fight?

Or let's say you're the breadwinner in the relationship and you subsidize a good chunk of your partner's lifestyle because he or she isn't earning enough to keep up. Then, suddenly, you lose your job and your partner's income isn't enough to pick up the slack.

Would you feel resentful? How would you cope with that? This is the kind of financial imbalance that has a tendency to instigate the fights that ultimately tear couples apart. Luckily, you can avoid them by keeping your financials separate from your sweetie's.



2. We're more accustomed to financial independence than ever

Young adults are delaying marriage longer than ever before. The average age of people at their first marriage in the U.S. today is about 27, which means many people rack up six or more years of complete financial independence before saying their vows.

The money habits we develop during our years as single adults become so deeply ingrained in us that it's difficult to shift them in an attempt to mesh with the financial habits of our partner.

And, unfortunately, finding common ground on financial matters is not necessarily something that gets better with practice. When asked how much they will need to save to maintain their current lifestyle in retirement, for example, nearly half of all couples are in disagreement about the amount needed. This level of disagreement is highest, however, among those who are closest to retirement.



3. It promotes healthy spending habits

Financially independent couples tend to practice better discipline when it comes to paying off their own debts. And that makes for a healthy relationship.

When one partner starts to feel like their partner's pockets are deep enough to offset the burden of their own financial risks, they sometimes become irresponsible in their spending and saving habits. And that can create the kind of friction that could start a fiery argument later on down the road.



See the rest of the story at Business Insider

How to stop your iPhone from annoyingly texting 'ducking'

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If you have an iPhone, chances are you are quite familiar with the word "ducking," which Apple seems to think pertains to many things: like "ducking over it,""ducking tired," or "super ducking excited."

The problem is that when you misspell a certain bad word by a letter or two, your iPhone thinks that, of course, you actually meant "ducking." And that's what it autocorrects to.

But luckily there's an easy way to fix it. And while you're at it, you can stop your iPhone from correcting "omw" to "On my way!"

Here's how:

 

First go to "Settings" and to the "General" menu.



Then select "Keyboard."



There are a few useful settings here, but the one you want to focus on is "Text Replacement."



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We went to Banana Republic and saw why sales are plummeting

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Banana Republic May 23

Banana Republic is struggling.

Sales plunged 11% in the first quarter of fiscal 2016, marking yet another dismal quarter for the brand.

"More than any other brand in the Gap stable, I think Banana has lost its way," Neil Saunders, CEO of consulting firm Conlumino, wrote in an email to Business Insider.

The company is forced to resort to incessant discounting to clear itself of clothes left behind — a cycle that's proved difficult to escape.

A visit to the store proves why consumers do not have a reason to pay full price anymore:

SEE ALSO: Nordstrom is undercutting its status as a high-end retailer

The first thing you see when you walk in? Promotions. You can say "hello" to summer by getting 40% off your purchase.



You can even get an extra 40% off all sale items. Make no mistake: Sales are fun for the consumer, but they can spell trouble for a retailer.



Even the clearance items are on display shortly after you enter the store.



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Science says parents of unsuccessful kids could have these 9 things in common

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Parenting is one of the hardest jobs in the world.

There are so many things that can affect a child's success, including socioeconomic status, the environment they live in, and their parents’ education level.

Though it can be difficult for studies to determine what parenting techniques are ideal since researchers usually don't follow families long-term, there are certain parental behaviors that scientists have found could be linked to problems in children, like depression and anxiety, later in life.

Here are nine things parents do that might be making kids unsuccessful, according to psychology research:

SEE ALSO: Science says parents of successful kids have these 13 things in common

1. They don't encourage their kids to be independent.

In 1997, a study at Vanderbilt University found that parents who psychologically controlled their children created to a host of negative outcomes for kids, including low self-confidence and self-reliance.

Encouraging children — especially teens — to be independent can be a good thing, especially in enhancing their ability to resolve conflict and have interpersonal relationships, according to this study in the Journal of Research on Adolescence.

Additionally, this study found evidence that more independence could lead to an increase in teens' ability to resist peer pressure.



2. They yell at their kids — a lot.

A 2013 study out of the University of Pittsburgh found evidence that harsh verbal discipline like shouting, cursing, or using insults may be detrimental to kids' well-being in the long-term.

The two-year study also found that harsh verbal discipline had comparable negative effects — such as behavioral problems and depressive symptoms — to studies that focused on physical discipline.

“It's a tough call for parents because it goes both ways: problem behaviors from children create the desire to give harsh verbal discipline, but that discipline may push adolescents toward those same problem behaviors,"the study's author said in a press release.



3. They're 'helicopter parents.'

While being an involved parent is a good thing, being a "helicopter parent," or a parent who is over-controlling, could result in higher levels of anxiety and depression in children.

"Students who reported having over-controlling parents reported significantly higher levels of depression and less satisfaction with life," researchers wrote in a 2013 study of nearly 300 college students in the Journal of Child and Family Studies.

It's one in a number of other studies that point to a possible connection between over-controlling parents and depression in college-aged young adults, including a 2011 study from the University of Tennessee at Chattanooga.

The researchers found that children with so-called "helicopter parents" were less open to new ideas, more self-conscious, and happened to use more pain pills recreationally.



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San Francisco is a wealthy tech haven today — but not long ago it was an apocalyptic madhouse

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When you think about San Francisco, you probably envision tech companies filled with optimistic twenty-somethings and restaurants with fancy food. Maybe Alcatraz or the Golden Gate Bridge.

But from the late 1960s through the 1970s, the city by the bay was a very different place. 

Drugs. Murder. Corruption. Outcasts. That's what San Francisco looked like in the popular imagination — and that stereotype had a lot of basis in truth.

Journalist David Talbot captured the details of this critical time in an amazing 2012 book, "Season of the Witch." While I had a vague sense of some of the city's recent history, many of the details will astound you.

Here's what San Francisco was really like a generation ago...

SEE ALSO: LinkedIn moved into a new skyscraper in San Francisco, and the offices are unlike anything else we've seen

You've probably heard of the 'Summer of Love' in 1967.

That's when people flocked to San Francisco's Haight-Ashbury district from all over the world, drawn by the city's reputation for unbridled freedom.

You could say it all started on January 14, 1967, as thousands gathered in Golden Gate Park for the "Be-In," an drug-fueled counterculture party.

As Talbot writes, "Young people sprawled on the grass, playing pennywhistles, harmonicas, and flutes. Naked toddlers chased their shadows in the sun. Only two mounted policemen patrolled the grounds; one came trotting through the crowd on his horse, cradling a small child in his arms. 'A lost child has been delivered to the stage and is now being cared for by the Hell's Angels' [a motorcycle gang]. It was a time when that made sense."



Timothy Leary, the former Harvard professor and LSD guru, spoke to the crowd, telling them to "Turn on, tune in, drop out."



But not everybody was sure about the forces being unleashed. Beat poet Allen Ginsberg said to his friend Lawrence Ferlinghetti, "What if we're wrong?"



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We tested a new app from a cofounder of Kayak, and it was like having a travel agent in our pocket

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With all of the things going on in life, finding the time to plan a trip can be tough.

That's why Paul English, a co-founder of Kayak, recently launched Lola, an app with a messaging interface that connects users with a team of travel consultants who can take care of every step of the planning process. The app utilizes a combination of AI technology and an experienced staff to provide travelers with an alternative to many of the DIY travel websites out there today. 

I had the chance to test the app on a recent trip to Los Angeles. I had previously booked my flights and accommodations, so I used the app to get real-time airport information and activity suggestions. Here's how it went.

SEE ALSO: We tested out the app that allows you to make free international calls without an Internet connection

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The app is invitation-only and works on a first-come, first-serve basis. When you sign up, you'll most likely be put on a waitlist for a few weeks. The company is planning to offer memberships later in the year, but right now, users get a year for free when they sign up.



Next, you’ll be asked to note your travel preferences so that the team over at Lola can determine the options best suited to your needs. You'll be asked to select the type of hotel you prefer, from luxury hotels to family-friendly accommodations.



You can choose which amenities are most important to you at a hotel, from Wi-Fi and pool access to the restaurant selection. You'll also be asked to select your favorite hotels, with options that include various major hotel brands as well as Airbnb, independent hotels, and B&Bs.



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7 tips from a hostage negotiator that will help you be more persuasive

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We all have to have difficult conversations. And they’d be easier if you knew how to be persuasive. Whether it’s dealing with family members, buying a car or negotiating a raise, persuasion is always a useful skill.

But much of what you read doesn’t work in tough scenarios. So I decided to call someone who has handled the most challenging scenarios imaginable — ones where lives are on the line …

Chris Voss was the FBI’s lead international hostage negotiator and he’s the author of an excellent new book: "Never Split The Difference."

Think you know what really influences people? Maybe you’ve read some stuff on the subject before? Well, you’re probably making a lot of mistakes. Chris has some of the most counterintuitive — and effective — techniques you’ve never heard about.

Chris focuses on emotions. And this completely changes the game. His methods get people to solve your problems for you — in ways that will make both sides happy.

Let’s get to it …

SEE ALSO: A CEO explains how to overcome your fear of public speaking

1. Don’t be direct

Straightforward and honest are good qualities. But when you’re too direct in a negotiation or heated discussion, it can come off as blunt and rude. You sound like you don’t care about the other side and just want what you want.

Skipping listening, empathy, and rapport is what turns an easily resolved dilemma into a fight. And you never want to turn a discussion into a war. Be nice and slow it down. Here’s Chris:

Don’t think, “I’m a very direct and honest person. I want people to be direct and honest with me, so I’m going to be direct and honest with you.” Well, that happens to come across as being very blunt and overly aggressive. If I’m not aware that my direct and honest approach is actually offensive to you, then I’ll be mystified as to what your problem is. Meanwhile, dealing with me might feel like getting hit in the face with a brick.

“Cutting to the chase” can feel like an attack. So slow down. Smile. Use a friendly tone or a calm voice.

(For more FBI behavioral techniques on how to get people to like you, click here.)

So what do many negotiation books tell you to do that is totally wrong?



2. Don’t try to get them to say "yes"

You hear a lot of advice telling you that getting people to say “yes” multiple times will make them more likely to say “yes” to whatever you want. Chris feels this may have been a good idea in the past, but people are on to it.

You’ve probably had people try it on you. And you knew what they were doing. And how did it make you feel? Exactly. Icky and manipulated. Trust and rapport just went out the window.

People are reluctant to say “yes” because it makes them commit to something. It makes them defensive. Here’s Chris:

When people say “no,” they feel they’ve protected themselves. “No” is protection. “Yes” is commitment. People worry about what have I just committed to by saying yes. But when you say “no”, you don’t commit to anything. Since you just protected yourself, you have a tendency to relax. People actually become a lot more open if they feel they’ve protected themselves.

So what does Chris recommend? Phrase the exact same questions in a way to get them to say “no.” Here’s Chris:

People will do things that aren’t in their best interest, just to prove to you that they have autonomy. If you make it clear to them that it’s okay to say “no”, then you help them feel autonomous which makes them more collaborative. You call somebody up on the phone and say, “Have you got a few minutes to talk?” That will make anybody tighten up. Immediately they want to say “no” to that, because they know if they say “yes”, they’re going to get hooked in and be kept on the phone. The opposite is to say, “Is now a bad time to talk?”

Chris prefers to use phrasing such as, “Would it be a bad idea if…?” People don’t feel locked in, and they’ll often affirm what you’re proposing by saying something like, “No, that’s not a problem.”

There’s a very powerful way to implement this when you’re trying to resolve a situation and you’re being ignored. What does Chris say works magic? Just ask one simple question designed to trigger a “no.”

From Never Split The Difference:

Have you given up on this project?

More often than not the response is a fast, “No, we’ve just been really busy. Sorry about the delay…”

(To learn the methods Chris recommends to lower your bills, click here.)

So you’re no longer being blunt and you’re not trying to trick people into saying “yes.” Great. What other mistakes are you probably making?



3. You need to do an "accusation audit"

If it’s an argument with a loved one or a business negotiation that’s headed south, the other side probably has made some accusations about you. “You don’t listen” or “You’re being unfair.

And the common response is to start your reply with “I’m not ____.” You deny their feelings. Boom — you just lost the patient, doctor. They now assume you’re not on the same page. That they can’t trust you.

So what does Chris say to do instead? List every terrible thing they could say about you.

From Never Split The Difference:

The fastest and most effective means of establishing a quick working relationship is to acknowledge the negative and defuse it.

Don’t be afraid of sounding weak or apologizing. Unless you’re holding all the cards, making them feel you’re on the same page produces more concessions in the long run than making them feel you don’t care or understand. Here’s Chris:

Denying an accusation enhances the accusation. Saying, “I don’t want it to seem like I don’t care about you,” is denying a negative and that’s a poor tactical choice. Say, “I know it seems like I don’t care about you.” That defuses the negative.

(For more FBI hostage negotiation methods that can get you what you want, click here.)

So you’re doing a lot of things that on the surface might sound crazy: trying to get them to say “no”, acknowledging all their accusations about you … What completely insane-sounding thing does Chris also recommend?



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