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25 simple things to give up if you want to succeed

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The best way to invite good new things into your life is to make room for them.

Just as you declutter your office and home, from time to time do a check and throw out anything that isn't helping you make your success achievable.

Here are some good places to start.

 

 

 

 

SEE ALSO: 18 things you need to stop doing if you want to be successful

1. Trying to be perfect.

Perfectionism sets us up for failure. It's not a quest for the best but a way of telling yourself you'll never be good enough.



2. Playing small.

Expand your horizons. Go big. Grow! Sometimes the process is painful, but it's worth it.



3. Faking it.

Vulnerability sounds like truth and feels like courage. Truth and courage aren't always comfortable, but they're always strong.



See the rest of the story at Business Insider

8 steps to take if you're planning a year off after school

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Parents and soon-to-be college students are giving the gap year a second look after the White House announced that Malia Obama will be taking one before attending Harvard in 2017. Also popularized by England's Prince Harry, who famously took time out for ranching in Australia and volunteer work in Africa in 2004, the gap year is a break between high school and the start of a person's higher education (or between college and graduate school).

Most often, the gap year is used by young people as an opportunity to see the world, explore new cultures, immerse themselves in a nonacademic pursuit, work a job or internship, or volunteer for a cause. The goal is to gain valuable life experience before delving deeper into academics, trade school, military service — wherever your next step in life takes you.

Of course, a year of self-exploration doesn't come free. Read on for our student guide to prepping finances for a gap year.

SEE ALSO: 7 things I wish I had known about money before I graduated from college

1. Start saving a year out

How much a gap year will cost depends on how you plan to use it. So, map out your yearlong plan, estimating how much money you'll need. Of course, plans change. And that's okay. All you really need is a good estimate to get you motivated to start saving.



2. Open a gap year bank account

Now that you've got a savings goal, open up a separate bank account to house your gap year fund drive. To make your big funding goal seem more achievable, break it down into smaller, more manageable monthly and weekly goals. This will keep you from feeling overwhelmed. Next, devise a plan for reaching these mini-fundraising goals. Will you cut down on weekend spending? Will you get a part-time job or pick up extra hours at your existing gig? Whatever you decide, be sure to hold yourself accountable. 



3. Apply for a grant or scholarship

There are plenty of grants and scholarships out there created specifically to ease the financial burden of enrichment programming and travel during the gap year. If you have interest in visiting the Middle East, for example, a grant from Unofficial Ambassadors' Mosaic Grants Program can make the experience more affordable. If you have demonstrated leadership in tackling issues aimed at protecting the environment, the Brower Youth Awards, which is an initiative by Earth Island Institute, divvies out $3,000 scholarships to young people each year.

Be sure to also check out any opportunities offered by your prospective university or college as well as local organizations in your area. In Humboldt County, California, for example, there's a generous annual scholarship that offers up to $6,000 to gap year students who are seeking participation in a program accredited by the American Gap Association. Schools including Tufts University and the University of North Carolina have financial aid programs for gap year students, as well. 



See the rest of the story at Business Insider

Maroon 5 frontman Adam Levine and Victoria's Secret model Behati Prinsloo have sold their massive New York loft after just 2 months on the market

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Rocker and Maroon 5 frontman Adam Levine — along with his wife, Victoria's Secret Angel Behati Prinsloo — are in contract to sell their downtown Manhattan loft apartment, the New York Observer first reported

The couple listed it for $5.5 million in April, though the eventual purchase price is unknown. 

The loft, which is in a prime SoHo spot just across the street from the Apple Store and above the upscale Stella McCartney boutique, is a whopping 2,800 square feet of light-filled, raw space, with 13-foot ceilings, original columns, and perfect-condition exposed brick. Prinsloo announced her pregnancy last month; the loft is a one-bedroom.

The famous couple bought the property in 2014 for $4.55 million. The six-story co-op is a historic building: in the 1970s, it was a haven for artists and makers, an artist-run gallery where the scene "bordered on lunacy, a place that defiantly refused to let itself be defined," according to the New York Times. The history is documented in a book compiled by big-time gallerist David Zwirner. 

Music is also part of its past: it was later the home of Greene Street Recording, where musicians like the Black Eyed Peas and Mos Def recorded albums.

Adam Mahfouda and Jules Borbely of the Oxford Property Group had the listing. 

Raisa Bruner wrote an earlier version of this story.

SEE ALSO: You can now rent Eli Manning's swanky New Jersey condo for $18,000 a month

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

The central part of the huge, open-plan loft is this 60-foot living room. It's decorated in a quirky, homey style.



Levine and Prinsloo have eclectic taste, as evidenced by this giant pool table which gets a central spot in the loft.



If inclined, the buyer can take the furniture as well, according to the listing.



See the rest of the story at Business Insider

The 17 best icebreakers to use at a party where you don't know anyone

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Parties where you know virtually no one can be awkward, especially if you're not sure how to start a conversation.

You could rely on the classic, "So what do you do?" But then you run the risk of coming off as the least interesting or original person at the party.

Maybe you're interested in making a new professional contact, or perhaps you simply want to make a good impression on a friend of a friend. 

Whatever the reason, busting out the clichés upon the first introduction is never a good idea.

To mix the conversation up a bit, try using one of these 17 icebreakers. They should help ease you into an engaging conversation with people you've never met before.

Natalie Walters contributed to an earlier version of this article.

SEE ALSO: Here's why you should keep your smartphone in your pocket the next time you're bored

'Hello.'

A smile, a name, and a confident handshake can sometimes go a long way, writes Ariella Coombs, a content manager for Careerealism.com.

"Sometimes, the easiest way to meet someone is to offer a handshake and say, 'Hi, I'm Peter.'"



'I'll be honest, the only person I know here is the bartender, and I just met him two minutes ago. Mind if I introduce myself?'

Humor is a good method to put another attendee at ease and jump-start a lighthearted conversation.



'Hmmm, I'm not quite sure what that dish is. Do you know?'

Rather than silently standing in line for food, take the opportunity to start a conversation about the topic on everyone's mind: food. 

Ask about the dish they think looks good or the mystery dish, Coombs writes. "Who knows, you might leave the buffet with a better plate of food AND a new contact!" 



See the rest of the story at Business Insider

10 vintage photos show the bizarre world of debutantes during the Vanderbilt and Rockefeller era

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The traditions surrounding the "debutante"— a woman of age who is ready to marry — date back to ancient, tribal times. However, the ceremony involving gorgeous gowns, cotillion dances, and lavish parties didn't begin until the Victorian era. 

Traditionally a matchmaking process, the "coming out" party changed in the 1930s with Miss. Barbara Woolworth Hutton's — who set a new precedent for the events. The lavish ordeal held at the Ritz-Carlton Hotel in New York hosted guests such as the Vanderbilts, Whitneys, Astors, and Rockefellers. The flowers alone cost $50,000. 

For the next 25 years, debutante parties entered their final, modern golden age. The book "Debutantes: When Glamour was Born" explores the history of these events — including the changing fashions and traditions. Ahead, 10 images from the book that looks at the debutantes final golden years.    

SEE ALSO: These photos are a perfect look into what the beachy Hamptons town of Montauk was like before the crowds arrived

Debutante balls were not only developed to find a suitor for a daughter, but also a way for the family to demonstrate social status within a community, wealth, and family lineage.

Source: ACR



In the late '40s and early '50s men began coming back from the war. Debutante's parties were back on the rise, now with a new generation of women hosting.



Traditionally, girls are escorted by their mothers into the events. Here, debutante Nicole du Pont at her dinner dance in Wilmington, Delaware in 1959.



See the rest of the story at Business Insider

Here's how Tesla's Autopilot works

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Tesla's semi-autonomous Autopilot system is an amazing feature. 

It's been shown time and time again to help people avoid accidents. In fact, Tesla CEO Elon Musk said in April that Autopilot can help reduce accidents by as much as 50%.

But just like any system, it's not perfect. And it requires a human to pay attention at all times. 

On Thursday, regulators revealed an investigation into a possible tie between Tesla's Autopilot system and a fatal accident.

While few details about the collision have been revealed, Tesla has said that the car was in Autopilot mode when the car crashed.

Here's a closer look at how Autopilot works to help you better understand how it should be used.

SEE ALSO: 7 electric cars that could challenge Tesla's Model S

Tesla's Autopilot system is made up of multiple sensors placed all around the car. These sensors help the car understand its environment so that it can safely steer itself in most highway situations.

The hardware that makes up Tesla's self-driving system includes a forward radar, a forward-looking camera, a high-precision digitally-controlled electric assist braking system, and 12 long-range ultrasonic sensors placed around the car. 



These ultrasonic sensors are strategically placed around the car so that they can sense 16 feet around the car in every direction, at any speed.

The senors enable the vehicle to sense when something is too close and gauge the appropriate distance so that it can do things like safely change lanes. 

However, it should be noted that these sensors can be thrown off by things like debris covering them. 



The radar enables detection of cars and other moving objects.



See the rest of the story at Business Insider

40 questions we have after the 'Game of Thrones' season 6 finale

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

After 10 epic weeks and some of the best episodes the series has ever produced, "Game of Thrones" season six has come to an end.

The finale was explosive, dark, and satisfying in many ways — but it still left us with some burning questions about what's ahead in season seven.

From the order of succession in Westeros to where Jon Snow is keeping his direwolf Ghost, these are the things we still really want to know after "Game of Thrones" season six.

Do dragons get tired?

Daenerys is finally heading off to Westeros. While she and her army are sailing on ships, her trio of dragons are in flight. But can a dragon fly all the way from Meereen to Westeros without needing to take a break?

It could take weeks for Daenerys' fleet to arrive, so what do the dragons do to rest? Surely, they're not sleeping on those ships!



Also, is Daenerys' armada going straight to King's Landing or are they making a pit stop in Dorne?

We saw Martell and Tyrell ships in the background when Daenerys was sailing off to Westeros, and either Dorne or Highgarden could be a good place for Daenerys' army to rest and gather more troops.

However with King's Landing in turmoil and Cersei's grasp on the Iron Throne tenuous at best, it could be an ideal time to seize the capital.

What's the game plan here, Mother of Dragons?



Will Daenerys choose a husband when she gets to Westeros?

Daenerys hinted to Daario that she may want to take a husband to form alliances when in Westeros. Fans seem keen on a Daenerys-and-Jon pairing, but now that we know they're officially related is that something that we really want?

Yara and Daenerys also had a flirtacious scene in season six, and some fans were intrigued by the prospect of seeing them get together. Though we doubt this will happen, their queenly banter will be interesting to watch in season seven.



See the rest of the story at Business Insider

25 of the coolest and most surreal natural phenomena on Earth

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It's easy to get lost in cars and offices and grocery stores and forget that there's a bigger, more beautiful world we don't always get to see. But there's stunning stuff happening every day, in some cases right outside your door.

So let's take a whirl through some of the most incredible, sometimes mind-boggling phenomena the Earth has to offer — along with a little of the science behind them.

MORE: Here's where you're most likely to run into wildlife that could kill you

UP NEXT: Here's how your Fourth of July fireworks work

1. Volcanic lightning

That's right, volcanoes can produce lightning.

It's pretty hard to study, but researchers have a few ideas about what causes it. One of the most common is that during an eruption, ash picks up so much friction that the build-up of static electricity causes lightning.



2. Fire rainbows — sorry, we mean 'circumhorizon arcs'

These beautiful sky paintings have nothing to do with fire or rain, as weather-loving people are very quick to point out.

They're actually caused by the sun, very high in the sky, shining through a particular type of ice cloud formation. That means that how rare they are varies with how far north or south you are.



3. Halos

Like fire rainbows, halos require just the right formation of ice crystals in clouds high above the surface of the Earth to bend light from the sun into a perfect ring.

The same phenomenon can also happen with moonlight, although moon halos are usually white and sun halos can be rainbow-colored, like this one.



See the rest of the story at Business Insider

8 body language tricks to appear more trustworthy

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We all want people to trust us.

"Trust means that someone relies on you to do what you say you will do, or to act like the kind of person you say you are," Darlene Price, president of Well Said Inc. and author of "Well Said! Presentations and Conversations That Get Results,"previously told Business Insider.

That's why, as a professional, it's critical to earn the trust of those with whom you work.

When people trust you, they're far more likely to believe in you, bond with you, and buy from you, Price said.

"Your actions ultimately determine whether or not you earn another person's trust," she said. However, your verbal communication and body language also play a huge part.

"Considering that studies show the vast majority of the messages we send are conveyed through our body language, it's imperative that you think about not just what you say, but also how you carry yourself and act," said Patrick King, a communications expert and business author.

"Body language can speak much louder than verbal communication," King said. "If someone shows slumping posture or crossed arms, for instance, we are conditioned to assume that they are tired or disinterested in speaking. If someone avoids eye contact, we're wired to think it's because they have something to hide. Neither of these are universal truths, yet we must make sure to pay attention to them otherwise people will perceive us negatively."

Here are eight simple body language tricks that can help make people trust you:

SEE ALSO: 11 signs someone is lying to you

Smile ... genuinely

"This seems obvious, but the smiles most of us use on a daily basis are somewhat fake," King said. "The key to a genuine smile is to smile with your eyes, bare your teeth, and have a slow fade. Otherwise, you appear like a salesman."

A genuine smile will make you seem sincerer, and therefore more trustworthy.



Lean forward

"This applies mostly when you're sitting, but leaning forward towards someone shows attentiveness and engagement," King said. When people feel you're interested in them, it will make them more likely to trust you.

"Plus, the closer you are physically to someone, the more intimate an interaction feels," he said.



Look people in the eye

When you don't, they may assume you're not telling the truth ... or that you're not completely confident in yourself or what you're saying.

A former Business Insider intern looked through Leil Lowndes' book "How To Talk To Anyone," which says you should "pretend your eyes are glued to your conversation partner's with sticky, warm taffy,"— and says research shows that"subjects reported significantly higher feelings of respect and fondness for their colleagues who used this technique."



See the rest of the story at Business Insider

Under Armour 3D-printed soles for its new $300 sneakers with powder and lasers

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3D-printing technology keeps getting more advanced. We can print almost anything — from robots to pizzas to prosthetics— by adding layers and layers of material to create objects.

Now Under Armour is 3D-printing soles for a new pair of sneakers called the Architech. The company is making the sneakers in its new innovation lab, called the Lighthouse, which is an extension of its headquarters in Baltimore, Maryland.

Take a look at how the soles are made.

This is the Architech. The sneakers are fit for any type of sport, the Lighthouse's director, Adam Bayer, tells Tech Insider.



UA's new 3D-printing lab at the Lighthouse will have six rooms, each with a technician. This is where more Architechs (and other 3D-printed gear) will be made.



The company worked with dozens of athletes to test the shoes. The 3D-printed mid-sole helps with cushioning and support, because the lattice adapts as you apply more weight in particular areas, Bayer says.

Normally, an athlete might buy a variety of shoes for different activities like weightlifting and running, because the mid-soles return different amounts of energy to your feet (A weightlifting shoe stays stable, while a running shoe gives you a boost).

But with the Architech, Bayer says you don't need to change shoes, because it adapts to your activity.



See the rest of the story at Business Insider

5 signs it's time to look for a new credit card

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jewelry shoppingFor 1 in 5 Americans, their current credit card can't be beat.

Nearly 20 percent of consumers like their primary card so much that they have not shopped for a new one in 10 years. What's more, 15 percent of consumers have never changed their go-to credit card.

That's according to CreditCards.com, which surveyed 639 credit cardholders in the U.S. earlier this year. "People are creatures of habit," says Matt Schulz, senior industry analyst for CreditCards.com. "They need a big reason to change."

However, sticking with the same credit card year after year could mean you spend more in interest rates and fees than necessary. Plus, you could be missing out on lucrative rewards and sign-up bonuses.

Randy Hopper, vice president of credit cards for Navy Federal Credit Union, says his institution has been offering credit cards for nearly 30 years. "We still have some of our original cardholders," he says. "We try to make sure a member's card keeps up with the times."

Even though Hopper says Navy Federal offers competitive card terms to longtime members, he agrees that consumers should shop around from time to time. "I think it's always healthy to know what sort of value is out there," he says.

Here are five times when consumers should take a look at what else is available on the market.

SEE ALSO: 9 guilt-free ways I take full advantage of my credit card company

You've had your card since before the last recession

Schulz says longtime cardholders should start shopping for two reasons: Their credit scores may have increased and interest rates have decreased in the past 10 years. "Chances are, your card's interest rate is too high," he says.

If consumers find that their interest rate is no longer competitive, they may not necessarily have to get a new credit card. Hopper says many card issuers are willing to lower interest rates if it's requested by longtime customers.



You're planning a major purchase

Opening a slew of credit card accounts before applying for a mortgage or car loan is probably not a smart idea since multiple inquiries can drive down a credit score. However, for those planning to put a large purchase on a card, shopping for a lucrative sign-up bonus can be a smart way to save money.

For example, the Chase Freedom Unlimited card currently offers a $150 cash-back bonus to new cardholders who charge $500 in the first three months of opening an account. Someone who is about to make a large purchase could effectively save $150 by charging it to the card. Ideally, consumers should save up for the purchase first and then use that money to pay off the balance immediately. Otherwise, interest charges could negate the savings.

Cardholders should also check for annual fees, however, which can offset the value of sign-up bonuses. Some card issuers may waive this fee for the first year, but others charge it immediately, making it impossible to avoid.



You're ready to finally start saving for [insert life goal here]

Whether you plan to see the world or renovate the house of your dreams, you should have the right credit card in your pocket.

"We're seeing unprecedented sign-up bonuses," Schulz says. That means it's easier to rack up the points needed to take a once-in-a-lifetime trip, book a swanky hotel or redeem for gift cards and merchandise. Even those who want cash back rather than points will find plenty of new card offers that can save them money in the pursuit of their life goal.



See the rest of the story at Business Insider

What you should know about traveling to Mexico during hurricane season

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Many shy away from traveling during hurricane season, and understandably so; hurricanes at their most tame can mean non-stop rain during your would-be "fun in the sun" getaway, and at their worst can lead to forced evacuations, major destruction, and -- in extreme cases -- death.

In these cases, the storms often take unpredictable turns; fortunately, while never 100-percent accurate, weather forecasting these days is quite advanced and therefore, some travelers purposefully choose the hurricane season for spending their vacation days. Why?

Well, hurricane season -- in Mexico, the Caribbean, and beyond -- sees fewer tourists and drastically lower prices, as well as some pretty gnarly waves for hardcore surfers who hunt storms in order to take advantage of the swells they create.

But is it really safe to travel during hurricane season? Considering Mexico is one of the most popular destinations among our users year-round, we decided to chat with experts to find out if traveling to Mexico during its hurricane season is actually an "okay" thing to do. Here's the scoop.

When is Mexico's hurricane season?

Mexico's hurricane season runs from June 1 to November 30, but the country is at its highest risk of strong storms from August through October. For example, Category-4 Hurricane Odile hit Los Cabos in late September 2014 and Hurricane Patricia caused similar destruction in Puerto Vallartain October of last year.

As Jason Meyers, a storm shield meteorologist, advised us, "If you want to avoid tropical storms all together, travel there in the colder months of December through March, or go very early or late in the hurricane season, like in November or June. April and May are also outside of hurricane season."



Are some destinations in Mexico better protected from storms and hurricanes than others?

Most experts are quick to state that playing an "odds" game during Mexico's hurricane season is a risky one. "Every mile of the coast of Mexico is vulnerable to a hurricane," Dennis Feltgen, a meteorologist at the National Hurricane Center in Miami, told Oyster.com. "It only takes one hurricane hitting your location to make it a bad year." 

Of course, if you're not set on a beach location, inland areas such as Mexico City rarely see hurricanes of any magnitude. In fact, the capital is often a relocation destination during hurricanes. And while destinations along the Yucatan Peninsula often see a large number of the country's hurricanes, Kerry Emanuel, Professor of Atmospheric Science at the Massachusetts Institute of Technology, explained to us that "the probability of a strike decreases from north to south. Cancunhas had, and will have, violent hurricanes." So travelers may consider destinations south of it, such as Tulum. However, we should note that Professor Emanuel gave Belize, significantly further south of Cancun than Tulum, as his example of a viable alternative, saying "Hurricanes do occur in Belize, but are somewhat less likely there. The west side of the Yucatan has quite a few storms, but almost all of these have been weakened by their passage across the peninsula."

So yes, we'd be remiss to adamantly state that one coastal area of Mexico is guaranteed to be safer than another, but there are geographical factors you can look for that generally point to a destination being relatively well-protected. For example, Jeremy Rolph, a forecast consultant and meteorologist for Surfline.com who also acts as an assistant in research at the Center for Ocean-Atmospheric Prediction Studies at Florida State University, explained to us that storms generally don't form in areas along the equator, and bays provide natural protection.

Additionally, both Meyers and Emanuel agreed that Mexico's Pacific Coast is often a better bet -- if you're going to bet, that is. "Almost all hurricanes that form off Mexico's Pacific coast travel westward, out to sea, and do not affect Mexico, but unfortunately there are exceptions, Patricia being a case in point," Emanuel said. "In general, the risk is higher along Mexico's Atlantic seaboard than its Pacific." Popular Pacific Coast destinations in Mexico include Puerto Vallarta(which is also protected by a bay) and San Jose del Cabo.



How will the 2016 hurricane season be different?

Meyers confirmed that the Pacific Coast is less likely to be hit by a hurricane, particularly this season, saying, "If we're playing the probabilities game, you'd be better off on the Pacific Coast this year since the Atlantic hurricane season is expected to be more active than the Pacific hurricane season thanks to the weakening El Niño and strengthening La Niña." Unfortunately, though, the 2016 hurricane season is looking particularly threatening for both coasts. According toCrown Weather Services, this season will be significantly stormier than last; in fact, they're predicting that it will be the most active since 2012. Accuweather.com reports that the steepest increase in storms will occur between August 20 and September 11 this year.



See the rest of the story at Business Insider

How to deal with 7 terrible work situations

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As the great Pat Benatar once said, love is a battlefield, but honestly she could have been talking about work.

Sometimes it seems like you are giving nothing but challenges and impossible situations.

Work becomes a daily foot-in-mouth scenario.

However, even when it seems like you are given the ickiest of situations, there are ways to fix them.

Here are a few very tough work situations and how to navigate your way out of them.

SEE ALSO: 45 of the weirdest things bosses have asked their employees to do

1. Your boss takes credit for your work

This is a rough one. But there are ways to try to work through it without having a Wicked Witch-type meltdown in front of your boss and coworkers.

If your boss says, "I did this project," try to keep saying "we" to gently set the tone. This may help him or her get the message.



2. You have a very entitled coworker (or even worse, an intern)

You know the kind. They just think they are above the job and therefore don't need to do certain parts of it or put in any kind of effort. Though just yelling at them and telling them to get with the program sounds appealing, there are other tactics to take.

Try playing the good cop, which means you gotta play nice.

Tell them with compassion that you were once in the same position, and that you recognize their talent but they need to learn the duties and requirements of this role in order to be able to move forward. If you just yell at them, they will become defensive, and the situation will get even worse.

Tell them they have to focus on this role now so they can be ready for the next one.

 



3. Your boss is impersonating Miranda Priestly from 'The Devil Wears Prada'

Maybe she isn't throwing her coat at you, but she is asking you to pick up her dry cleaning and make reservations for her even though you are not her assistant.

Try having a calm talk with your boss in which you express your desire to become more involved with important, work-related projects. Also remind your boss that you were not hired to be responsible for organizing their personal life.

 



See the rest of the story at Business Insider

I'm a financial planner, and I know when you're only pretending to have your act together

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unimpressed lionWhen you’ve got friends who live like the Rich Kids of Instagram, life can feel distorted. Especially if you’ve talked about money with these friends and you know they don’t make more than you do.

How can they afford dinners out, travel, and designer clothes? Where did they get the money for that $500,000 condo?

And why are you stuck being the broke-yet-responsible one who lives with three roommates and brown-bags your lunches each day?

You’re missing a piece of the puzzle.

You don’t know how much debt they’re taking on, or how much financial help they’re getting from their families, to project the illusion of wealth and success.

(This isn’t to say that zero Millennials can afford a little luxury. Some of you have been working for a while and saving up to afford the big-ticket items you dream of — not to mention funding your retirement accounts in the process! Go you!)

Because of my work, I’m quick to pinpoint the story-behind-the-story of people’s spending and saving habits. And many people in our generation just haven’t been working long enough to accumulate that much money yet. When you shortchange your future to look rich right now, there will come a time when money will become a serious problem for you. Let me give you a peek into what I see … if anything, just to make you feel better about being the thrifty Millennial that you are!

SEE ALSO: I'm a financial planner and here are 6 unbelievably stupid things I see people do with money

You see: A sexy new sports car
I see: A money pit

What you drive says a lot about you, so it’s only natural to want a nice, safe, reliable car. Thanks to financing, it’s really easy to buy WAY more car than you can afford.

So when I spy a cutie in a BMW … all I can really see is $1,000 per month in car or lease payments, gas, maintenance, and insurance. With so many Millennials struggling to pay down debt while trying to save up for emergencies and retirement, spending this much on a car is irresponsible unless you have saved significantly for this purchase. Give me a cutie in a pre-owned Honda any day!

If you’re shopping for a car, be realistic about what you can afford. Consider pre-owned cars that you can pay for in cash, and evaluate if you even need a car in the first place. If you live in a city with good public transit, a car might be optional.



You see: A prestigious professional
I see: Debt, debt, debt

Many of us have been taught that being a doctor or lawyer is the ultimate in career goals. Don’t get me wrong — these are extremely important jobs.

No one goes through life without needing a few doctors and lawyers (shout out to my new lawyer, Lem!). But know what you’re getting into with these careers: six-figure student loans, long hours after you graduate, and a lower-than-expected salary when you start.

A young doctor or lawyer spends some of their prime earning years funneling their income right back into their loans. If this is your dream job, it’s important to get a financial plan in place that will allow you to pay down your debt while still saving up money for the future.

If you want to be a doctor or lawyer just for the prestige, think again! There are much more lucrative career paths that don’t saddle you with debt.



You see: An investment in a beautiful condo
I see: A huge mortgage + family help

You should never, ever feel bad if you can’t afford to buy your home yet (or ever). Society places a high value on home buying as the ultimate goal, but it’s not for everyone in every stage of their lives.

So if you’re wondering how your just-out-of-college friend could afford to buy a two-bedroom in a Manhattan co-op while bringing in a $35,000 income, the answer is often: their parents paid for it. Which isn’t necessarily a bad thing — families help each other out financially all the time.

A home is a huge expense, which goes beyond the cost of the home itself to include new furniture, renovations, and repairs. Many Millennials who are just starting out have no way of affording all this on their own.

If you’re feeling the pressure to become a homeowner and you’re jealous of your friends who’ve already made it happen, just remember that you don’t know the whole story. Make decisions that work for your financial situation right now.



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28 brilliant questions to ask at the end of every job interview

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It's important to remember that every interview is a two-way street.

You should be assessing the employer just as much as they're assessing you because you both need to walk away convinced that the job would be a great fit.

So when the tables are turned and the interviewer asks, "Do you have any questions for me?" take advantage of this opportunity. It's the best way to determine if you'd be happy working for this employer, and whether your goals are aligned with theirs. 

"The very process of asking questions completely changes the dynamic of the interview and the hiring manager's perception of you," says Teri Hockett, chief executive of What's For Work?, a career site for women. "Asking questions also gives you the opportunity to discover details that you might not have otherwise unveiled."

Amy Hoover, president of TalentZoo, says there's another reason you should always prepare questions. "It's expected — and if you don't ask at least two questions, you will appear disinterested, or worse, less intelligent and engaged than a prospective employer would like." You should have at least four questions prepared, though, in case your original two are answered through the course of the interview.

But, Hoover says, don't just ask questions for the sake of it. To actually benefit from them, you'll need to think carefully about what you want to ask.

"Your questions can, in fact, make or break an interview," she explains. "If they're not thoughtful, or if you ask something that has already been addressed, this can hurt you way more than it can help. Asking smart, engaging questions is imperative."

Luckily, there are plenty of smart ones to pick from.

Here are 28 questions you should always ask in a job interview — if they weren't already answered — to help you get a better sense of the role and the company, and to leave the interview with a positive, lasting impression:

 

SEE ALSO: 31 smart answers to really tough interview questions

DON'T MISS: The 27 jobs that are most damaging to your health

Who do you think would be the ideal candidate for this position, and how do I compare?

Hoover recommends this question because it's a quick way to figure out whether your skills align with what the company is currently looking for. If they don't match up, then you know to walk away instead of wasting time pursuing the wrong position for yourself, she says. 



Who would I be reporting to? Are those three people on the same team or on different teams? What's the pecking order?

It's important to ask about the pecking order of a company in case you have several bosses, Vicky Oliver writes in her book, "301 Smart Answers to Tough Interview Questions."

If you're going to be working for several people, you need to know "the lay of the internal land," she says, or if you're going to be over several people, then you probably want to get to know them before accepting the position.



How has this position evolved?

Basically, this question just lets you know whether this job is a dead end or a stepping-stone.



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The best new apps you should use but may have missed

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There are a lot of apps out there.

We're here to make sure that the best gems don't fall through the cracks. 

This time we've got some great personal finance apps, updates to Slack, cool Google app updates, and much more.

Here's everything you may have missed in June from the app world:

 

Winnie is an app that helps parents find kid-friendly places to go.

Winnie is like Foursquare or Yelp, but designed specifically for parents. It can show you nearby places that are safe to take kids, and parents with the app can give each other tips about where to go and what to do.

Price: Free

Available on: App Store



The Android version of Facebook Messenger can send and receive SMS messages from regular phone numbers.

Facebook quietly SMS text messaging into the Android version of Messenger, which means the app can serve as an all-in-one texting machine.

Once enabled in Messenger's settings, SMS texts can be seen in purple.

Price: Free

Available on: Google Play



WalletHub is the first app that offers free daily credit scores and reports.

WalletHub analyzes your credit score on a daily basis and gives you tips on how to improve it and avoid being penalized. The app also monitors your credit for potential risks like identity theft or fraud.

Price: Free

Available on: App Store



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China is building the world's largest city — and it already has more people than South Korea

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china mega city pearl river deltaFor the past decade, China has been on a mission to build the world's biggest city by combining a number of large cities into one giant megacity.

With a current population of roughly 57 million housed inside a 15,000-square-mile perimeter, the Pearl River Delta is a region roughly the size of West Virginia but with 30 times more people.

It's made up of the cities of Shenzhen, Dongguan, Huizhou, Zhuhai, Zhongshan, Jiangmen, Guangzhou, Foshan, and Zhaoqing.

Each city's population ranges from nearly 2 million to more than 14 million, which, by 2030, China hopes to unite into an all-powerful megacity with an economic output around $2 trillion.

Whether that's feasible is still a mystery, but it's one the country is set on solving.

China has long had a large population. In 1897 the country contained 363 million people — still 45 million more than the current population of the US.



It wasn't until a century later, however, that the rural Pearl River Delta began to take shape as an urban hub during the tech and manufacturing booms of the 1990s.



By the early 2000s, the changes were plainly visible. Take the NASA satellite photography over a period of 30 years. Here's 1973. The wispy gray regions are the infrastructure projects quickly popping up around the region.



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Here are all the things Tesla's Autopilot needs to fix before its cars can really be driverless

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Tesla autopilot

The first known Tesla Autopilot fatality occurred in May, reminding everyone that the self-driving feature does not make the car a fully autonomous vehicle. 

As Tesla wrote in its blog about the accident, Autopilot is still in the public beta phase. That's why it requires drivers to pay attention and have their hands on the wheel at all times. There's a lot it can do, like changing lanes and managing the speed of the car, but it still can't do everything. 

Here's a closer look at some of Autopilot's current limitations. 

Tesla Autopilot struggles on roads without clear lane markings.

Tesla CEO Elon Musk vented about this problem to a group of reporters in October, according to the Washington Post. At the time, he showed the lack of clear lane markings on Interstate 405 near Los Angeles International Airport.

When the Tesla can't determine where the lane is, it struggles to navigate safely. Tesla has mapped routes to help adjust for this problem, but it can't realistically do that on every road in America.



It also can't really handle heavy rain or snow.

This is also because inclement weather like heavy rain or snow prevent the car from clearly seeing lane markings.

"Autosteer is unable to accurately determine lane markings due to poor visibility (heavy rain, snow, fog, etc.)," Tesla wrote in its Model S owner manual.



It's difficult for Tesla Autopilot to work properly if a camera or sensor is blocked.

If something happens to block a sensor or camera from getting the information it needs, Autopilot may not be able to operate safely.

A Tesla owner actually experienced this very issue in May when a giant moth managed to fly right into the single forward-facing radar sensor on the Model S. The Autopilot system was rendered useless until the moth was removed.



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10 vintage photos of Fourth of July celebrations

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These days, the Fourth of July seems to be all about the fireworks, poolside barbecues, and Pinterest-worthy dessert plates (which, admittedly, we love). But at the beginning of the 20th Century when the parade reigned supreme, the celebrations looked a little bit different.

Here, a look back at the costumes and traditions that defined Independence Day celebrations around the United States.

A Young Child! With Fireworks!

Apparently laws on firecrackers were a little more lax in 1906, as this little boy demonstrates.



Melting Pot Celebration

The United States has long been a melting pot of cultures. At a Fourth of July parade in the early 20th century, the Americans of Belgian Origin celebrate their adopted home.



Lady Libertys

Two women dressed as iconic American symbols for a 1919 parade in Washington, D.C.



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Here are all the top athletes skipping the Rio Olympics over Zika fears

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Rory McIlroy

For many athletes, competing in the Olympics is an honor they've spent their entire career working towards. But because this summer's games are being held in Rio de Janeiro, Brazil, a number of top athletes are refusing to attend.

The current Zika virus outbreak that has been ravaging Latin America and the Caribbean began in Brazil in May 2015. The country has been hit harder than any others, with 91,387 likely Zika cases registered in Brazil from just February to April this year alone.

The virus is known to cause a birth defect called microcephaly, in which babies are born with underdeveloped brains and abnormally small heads. It can also cause rare autoimmune disorders in adults, and can be transmitted sexually from an infected male to his partner.

Experts say that 80% of adults infected with Zika don't exhibit any symptoms, while the remaining 20% usually have a rash, fever and eye pain.

Here are some of the high-profile athletes that have decided to skip the Olympics to avoid potential Zika exposure. 

Australian golfer Jason Day

The world's current number one ranked golfer, 28-year-old Jason Day of Australia, recently announced he was going to be skipping this year's Olympic games.

"The sole reason for my decision is my concerns about the possible transmission of the Zika virus and the potential risks that it may present to my wife's future pregnancies and to future members of our family. I have always placed my family in front of everything else in my life," Day said in a statement.



American cyclist Tejay van Garderen

Tejay van Garderen, 27, withdrew his name from Olympic contention, over fears for the potential complications Zika may cause for his pregnant wife, Jessica.

"If Jessica were not pregnant right now, assuming I was selected, I would go,” van Garderen told CyclingTips. “But the fact is, she is pregnant. If we were just going to start trying, I’d say we could start trying six months after the Olympics. But when she has a baby in her belly, I don’t want to take any chances."



Irish golfer Rory McIlroy

Golfer Rory McIlroy, a 27-year-old golfer from Ireland, is one of the highest profile athletes who decided to skip the games. 

McIlroy ranked as the number one golfer in the world for 95 weeks between 2012 and 2015, so his decision was a big blow to the Olympic golf competition.

"Even though the risk of infection from the Zika virus is considered low, it is a risk nonetheless and a risk I am unwilling to take," McIlroy said in a statement.



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