In the market for a home? Mortgage site HSH.com has updated its estimate of how much annual income a household would need to buy a home in major metropolitan areas in the US, according to first-quarter 2016 data.

The site highlights a few differences from last quarter:

• The Denver metro area has made a significant price surge — more so than any other analyzed

• Seattle is more affordable than the Washington DC metro area for the first time in the site's years of analysis

The site looked at median home prices from the National Association of Realtors. It took into account interest rates for common 30-year fixed-rate mortgages and property taxes and insurance costs to figure out how much money it would take to pay a median-priced home's mortgage, taxes, and insurance in each city, and how much you'd have to earn to afford it.

HSH.com emphasizes that this is only the base cost of owning a home — maintenance and other incidentals aren't included in its calculations.

The site also calculated how it would change the salary needed to buy a home if a buyer were to put 10% down instead of the recommended 20%. No matter where you are, putting down less makes things more expensive — you can visit HSH.com to see both numbers.

Salaries are listed from lowest to highest needed, and are rounded to the nearest $500.

SEE ALSO: Here's how much you need to earn to live comfortably in 15 major US cities while still saving money

19. San Antonio

Population: 1,409,000

Median Home Price: $195,500

Monthly Mortgage Payment: $1,096

Salary Needed to Buy: $47,000

18. Orlando

Population: 255,483

Median Home Price: $207,600

Monthly Mortgage Payment: $1,112

Salary Needed to Buy: $45,500

17. Minneapolis

Population: 407,207

Median Home Price: $222,800

Monthly Mortgage Payment: $1,154

Salary Needed to Buy: $49,500

If you're someone who wants to stay up to date with business news and learn about the finer points of finance and entrepreneurialism, then one of the best ways to pass your commute or workout is with a business podcast.

We've picked our favorites, and we're sure you'll find at least one you'll want to keep coming back to.

SEE ALSO: The 23 best business books to read this summer

'Planet Money' will simplify some of the most complex and important economic issues in the world today.

NPR's "Planet Money" is the most popular business podcast for a simple reason: It's as enjoyable and informative for someone in finance as it is for someone who never studied economics.

Twice a week, the team brings you an entertaining and well-researched report on timely topics relevant to your life, from what's happening with the Brexit to why it takes so long to scan that chip in your credit card.

Find it here »

'The Tim Ferriss Show' will help you understand the mechanics of success.

Tim Ferriss, author of the bestselling "4-Hour" series, has dedicated his podcast to finding the best performers in their field and working with them to break down their techniques and thought process.

Check out some of Ferriss' incredibly in-depth interviews with renowned Silicon Valley investors Marc Andreessen and Chris Sacca, as well as his lessons in skills like negotiation.

Find it here »

'Freakonomics Radio' will get you to question your assumptions.

When the journalist Stephen Dubner teamed up with the economist Steven Levitt for the 2005 book "Freaknomics," they had no idea it would sell more than five million copies around the world and spark a franchise.

Since 2010, Dubner has been hosting "Freaknomics Radio," which peels back at least one extra layer more than anyone else. For example, Dubner finds out why the mattress industry is booming when people buy few mattresses in their lifetime, and why "the American economy is a funk — but not for the reasons you think."

Find it here »

Is Sumner Redstone's signature a sign of something more?

The 93-year-old media mogul is having his mental capacity and independent judgment challenged in an ongoing war for the control of Viacom by former friends and colleagues.

Legal battles are being waged in several states after Redstone removed Viacom CEO Philippe Dauman and several others from the Viacom board. (Redstone and his family are majority owners of Viacom through his privately held company National Amusements.) In return, the fired board members charge that Redstone is being controlled by his daughter, Shari Redstone, and challenge his mental capacity.

Now, new attention is being brought to Redstone's current signature.

As seen on a recent letter to his detractors, Redstone's John Hancock now appears as just a squiggly line.

See for yourself below:

SEE ALSO: Here are the ratings that have Viacom execs worried about their ailing TV networks

DON'T MISS: Viacom CEO Philippe Dauman elected chairman as Sumner Redstone steps down

June 28, 2016

Now compare the above signature with others obtained by Business Insider below.

June 20, 2016

October 16, 2015

The first ever Shelby Cobra may set a record for the most expensive American car sold at auction.

The car is going on the block at the Pebble Beach Concours de'Elegance in Monterey, California next month.

RM Sotheby's is calling the car "The shot heard 'round the world." It was the first time racing legend Caroll Shelby fitted a big, American V8 motor into a tiny British sports car and shocked the automotive world with a string of victories at racetracks around the globe.

"Carroll Shelby – the man, the larger-than-life Texan, and the battle-tested racing veteran – fired a shot across the bow of every sports car manufacturer in the world and, in doing so, set the car world on fire with the Cobra," RM Sotheby's said in a press release. 

Wearing chassis number CSX 2000, the car was owned by Shelby himself until his death in 2012 at the age of 89.

It includes the original 260 cubic inch V8 engine from a Ford Fairlane, shoehorned (somehow) into an AC Ace, the lovely-if-underpowered British lightweight sports car then noted for its excellent balance. This combination meant the first Shelby Cobras could do 0-60 in the low four seconds.

Later cars would include a 289 or 427 cubic inch V8.

RM Sotheby's is not releasing an estimate for the sale, but it seems highly likely that the car will break the record for the most expensive American car sold at auction — currently held by a spectacular 1968 Ford GT40 race car  —which also sold at RM Sotheby's Pebble Beach auction for $11 million in 2012.

SEE ALSO: This stunning motorcycle from 1947 is for sale

Might this be the most valuable American car ever sold at auction?

Probably. The Shelby Cobra was an automotive revolution — it made America competitive with some of Europe's best.

Under the British bodywork is a Ford V8 pulled from the then-new Fairlane and a slightly modified chassis.

Over the course of 11 years, photographer Matt O’Brien explored the side of Colombia that usually gets ignored.

"As a photographer and a human being, I am not drawn to violence and misery, I am drawn to beauty, and I found a lot of beauty in Colombia," O'Brien told Business Insider.

His book, "No Dar Papaya", portrays a positive look on the country that is often portrayed in a negative light. The book will be released for the first time in the US on July 20. 

Below, see refreshing pictures from Colombia that shows a side of the country we don't normally see.

SEE ALSO: Inside the strange world of Vienna’s disappearing dive bars

Much of what people see in the news about Colombia is negative — drug trafficking, violence, war — but that is not all that occurs in the country. O'Brien captured the daily life of the country that gets hidden behind the breaking news.

"I brought my Polaroid and shot (photographed) quite a bit, and the idea of a project started forming because I felt the images really did capture something about Colombia that I hadn’t seen in any other photography from Colombia," he said.

O'Brien made a total of eight trips to Colombia — some lasting from three to six months. As a California native, O'Brien first traveled to Colombia in 2003 to photograph a series about beauty contests. The next year, he was invited back to exhibit the beauty series and teach in several different cities.

Take a look at your Xbox One. Do you have it oriented vertically?

Get over there right now and lay it flat because you're breaking that poor thing!

According to the Xbox website, "vertical positioning of the [Xbox One] console is not supported."

Source

Did you know that? I didn't. Suddenly, the recent malfunctioning of my (vertically oriented) Xbox One's disc drive makes a lot more sense.

Aside from the very blatant instructions that come with the Xbox One (that I chose not to read), the signs were everywhere. The console on stage during Yusuf Mehdi's on-stage demonstration of the Xbox One is laid horizontally.

There's a lot to learn about money.

"It's not taught in high school," Bob Gavlak, CFP and wealth adviser with Strategic Wealth Partners in Columbus, Ohio, told Business Insider. "You get taught about parabolas and Venn diagrams in high school, but you don't get taught about taxes and budgeting and credit cards and mortgages, which would be much more helpful to your long-term personal success."

And then, he pointed out, we tend not to learn financial literacy in college or at work. When are we supposed to pick it up?

So it's no stretch to imagine that many of us are running our finances with some degree of misunderstanding.

Gavlak helped us identify five common financial terms that many people regularly use incorrectly:

SEE ALSO: 11 things to do in your 20s to become a millionaire by 30

'Volatility'

Investopedia says:"Volatility refers to the amount of uncertainty or risk about the size of changes in a security's value."

The CFP explains:"People tend to look at volatility and think that it's purely a bad thing. They think that you never want to have any volatility in your portfolio, and, for the most part, you don't want to have a ton. You don't want to just have your portfolio double one day and then get cut in half the next, but over a long enough period of time, the day-to-day movement almost has zero impact on client portfolios.

"The only place volatility is bad is if you're taking unnecessary risk, or if you need your money in a one-month period of time. Then you don't want to have a major downturn."

Use it better: If you're completely avoiding volatility, you're completely avoiding risk. As comforting as that may seem, in investing as in life, there's no reward without taking some degree of risk. As part of a carefully created and thoughtful long-term financial plan, a degree of volatility can be a good thing to help your money grow.

'Diversification'

Investopedia says:"Diversification is a risk management technique that mixes a wide variety of investments within a portfolio."

The CFP explains:"Diversification is not just about having a bunch of different mutual funds or ETFs or even stocks. A lot of people will say, 'Yeah, my portfolio is diversified,' and then I look at their portfolio and they have 10 different mutual funds, but all 10 of those mutual funds are large cap value mutual funds or something like that. Just because you have a bunch of mutual funds or ETFs does not mean you are necessarily diversified the way that you should be depending on your investment goals.

"The importance of diversification is that when the markets work — and they work in cycles — certain asset classes or certain pieces of the world economy are going to be up when others are going to be down. The goal is to minimize your overall exposure to one asset class so if that asset class does not perform as well, there are others holding up the portfolio or keeping you more in line with your long-term investment goals."

Use it better: Ask yourself, "What do I need my investments to do for me in order to be successful?" Gavlak recommends. From there, he says, you can better develop an investment strategy that's properly diversified among the appropriate set of asset classes rather than through different funds that may overlap.

'Financial adviser'

Investopedia says:"'Financial adviser' is a generic term with no precise industry definition, and many different types of financial professionals fall into this general category. Stockbrokers, insurance agents, tax preparers, investment managers and financial planners are all members of this group. Estate planners and bankers may also fall under this umbrella."

The CFP explains:"It's unbelievable the scope or range of people that can consider themselves financial advisers or financial planners. The majority of time, if somebody calls themselves a financial adviser, usually all that means is that they're investment advisers — all they do is investment management.

"A financial adviser doesn't necessarily mean that they're going to have training and are going to be able to help you with taxes, insurance, investments, and estate planning. A lot of times people will look at financial advisers and certified financial planners and they think that they're all the same, but that would be like looking at a restaurant and saying McDonald's is the same as some really fancy steakhouse."

Use it better: Identify what you need from your financial adviser before you become a client. Is it insurance? Is it a financial plan? Is it solely investment advice? Ask about your prospective adviser's expertise and experience up front to make sure their specialty aligns with your needs.

What you consider a healthy food might be a bit less black and white than you think.

The New York Times and The Morning Consult conducted a survey, released Tuesday, that asked 672 nutritionists as well as 2,000 voting members of the US what foods they considered healthy or unhealthy. 

Of the 52 foods the survey asked about, here were 13 of the ones that the nutritionists and the general public were the most split on what’s considered healthy.

See the full food breakdown charted out by The New York Times. 

SEE ALSO: Scientists found a surprising relationship between people who ate more pasta and their health

DON'T MISS: Not all leafy greens are created equal — here's the definitive ranking of the best ones for you

Granola bar

Granola bars can be deceivingly unhealthy because they're filled with sugar, a fact almost three-quarters of nutritionists recognized, while the majority of the public didn't. A bar has roughly a third of your daily sugar intake, though the sugar varies from bar to bar. 

71% of the public thought granola bars were healthy, while 28% of nutritionists did. 

Coconut oil

Coconut oil is a very trendy fat to substitute in to your favorite recipes at the moment, but it is pretty high in saturated fat, which the USDA recommends avoiding. 

72% of the public thought coconut oil was healthy, while 37% of nutritionists did. 

Frozen yogurt

As tempting as it may be to count frozen yogurt topped with fruit as a nutritious substitute for dinner or just as a treat, it's still packed with sugar (almost 70% of your daily intake.) 

66% of the public thought frozen yogurt was healthy, while 32% of nutritionists did. 

Huawei, the Chinese smartphone company, got caught Monday using a photo taken with at least $4,500 worth of DSLR equipment to promote the camera in its Huawei P9 smartphone. (They've since taken down the post.)

Here's the deal: The P9 is a pretty good Android smartphone. In general, it falls somewhere in the middle of the quality pack in terms of flagships.

The device's one standout feature is its Leica-branded dual-camera system. It's not the best smartphone camera in the world, falling well short of industry leaders like the Samsung Galaxy S7 and iPhone 6s Plus.

But Huawei has touted the phone's image quality anyway. And the dual cameras do imbue this device one superpower: It can sense depth and blur backgrounds of nearby objects to give the illusion of a DSLR's lens. On Huawei's site the company calls this "professional camera like photo quality."

However, that's a very different thing from shooting images of the kind that actually come from professional cameras. Here are all the ways you can tell Huawei's ad photo didn't come from a smartphone.

Here's the photo Huawei shared to its various social media accounts.

Huawei took it down and apologized, but only after Android Police spotted metadata on Google+ showing it really came from a Canon DSLR and pricey 70-200mm f/2.8 lens.

But the thing is, this photo couldn't have possibly come from a smartphone. There are a few ways to tell. First of all, smartphones rarely produce lens flare of this kind. That's true if the sunlight is within the camera's field of view...

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Sweet potato was ranked the healthiest vegetable in the world by the Center for Science in the Public Interest (CSPI).

It is high in dietary fiber, naturally occurring sugars, and complex carbohydrates, and full of protein, vitamin A and C, iron, and calcium. 

Among all root vegetables, sweet potatoes also offer the lowest glycemic index rating, meaning that it causes a slow rise in blood sugar, making you feel fuller, longer, as it digests slowly.

The best part? It tastes great, and can be used as a substitute for almost any dish — from pancakes to toast.

Read on for sweet potato recipes that will make your favorite foods healthier. 

Brownies

These sweet potato fudge brownies are moist and chewy, and much healthier than traditional brownies. The thickness of the sweet potato puree makes the dough especially creamy.

Tater Tots

Crunchy on the outside and creamy on the inside, baked sweet potato tater tots are gluten-free, and less fattening than traditional tater tots.

Toast

Replace your usual piece of toast with a thin slice of sweet potato that you've popped into the toaster for a gluten- and guilt-free alternative.

Whomever America chooses in 2016, among his or her first orders of business will be to spend a lot of time getting briefed on where the US military is deployed.

Servicemembers around the world are currently conducting airstrikes, raids, bilateral training missions, and other operations to help America and our allies. These six ongoing conflicts will certainly still be on the plate when the next president gets up to bat:

SEE ALSO: See if you can spot the armed camouflaged Marine watching you

1. Iraq and Syria

Few people need a primer on what is going on in Iraq and Syria. ISIS holds territory and is murdering thousands of people. America’s involvement against ISIS has been slowly growing. 

We’ve also lost three service members there. Army Master Sgt. Joshua Wheeler was killed while rescuing potential victims of an imminent massacre, Marine Staff Sgt. Louis F. Cardin was killed in a rocket attack while providing fire support for coalition fighters, and Navy SEAL Charles Keating was killed while rescuing other American advisors caught by an ISIS surprise attack.

While the Obama administration has tried to keep America’s footprint on the ground relatively small, 300 troops in Syria and approximately 4,000 in Iraq, the Navy and Air Force have been busy conducting air strikes to support both American and coalition ground forces.

2. Libya

Of course, ISIS operations aren’t limited to Iraq and Syria. Portions of Libya’s coastal areas are controlled by the terror organization. A few dozen US troops, most likely Special Forces soldiers or other operators, are deployed there to help the competing national governments fight further ISIS attacks.

America has launched airstrikes there in the past to topple ISIS leaders, but that was put on hold. According to Marine Corps Lt. Gen. Thomas D. Waldhauser, the current nominee to take over Africa Command, no more troops are currently needed in Libya but more airstrikes would be beneficial.

3. Afghanistan

While the US officially ended combat operations in Afghanistan in 2014, approximately 9,800 troops are still deployed there. It’s an “advise and train” mission, but reports have surfaced of operators engaging in direct combat.

The Taliban is still the greatest threat in Afghanistan and most coalition missions are aimed at them. ISIS has captured ground in the east of the country, though. America flies drone missions to kill local ISIS leaders while militias provide some muscle on the ground.

This post from Julie Lythcott-Haims, former Stanford dean and New York Times bestselling author, originally appeared on Quora as an answer to the question, "What are the skills every 18-year-old needs?"

SEE ALSO: 25 changes to make in your 20s to set yourself up for lifelong success

1. An 18-year-old must be able to talk to strangers

Faculty, deans, advisers, landlords, store clerks, human resource managers, coworkers, bank tellers, health care providers, bus drivers, mechanics — in the real world.

The crutch: We teach kids not to talk to strangers instead of teaching the more nuanced skill of how to discern the few bad strangers from the mostly good ones. Thus, kids end up not knowing how to approach strangers — respectfully and with eye contact — for the help, guidance, and direction they will need out in the world.

2. An 18-year-old must be able to find his way around

A campus, the town in which her summer internship is located, or the city where he is working or studying abroad.

The crutch: We drive or accompany our children everywhere, even when a bus, their bicycle, or their own feet could get them there; thus, kids don't know the route for getting from here to there, how to cope with transportation options and snafus, when and how to fill the car with gas, or how to make and execute transportation plans.

3. An 18-year-old must be able to manage his assignments, workload, and deadlines

The crutch: We remind kids when their homework is due and when to do it — sometimes helping them do it, sometimes doing it for them; thus, kids don't know how to prioritize tasks, manage workload, or meet deadlines, without regular reminders.

All self-made millionaires had to start somewhere.

Much of their transformation from ordinary to seven-figure status can attributed to "rich habits," a term coined by Thomas C. Corley, who spent five years researching the daily habits of 177 self-made millionaires.

"From my research, I discovered that daily habits dictate how successful or unsuccessful you will be in life," he writes in his upcoming book "Change Your Habits, Change Your Life.""There is a cause and effect associated with habits. Habits are the cause of wealth, poverty, happiness, sadness, stress, good relationships, bad relationships, good health, or bad health."

The good news is all habits can be changed, Corley notes. Here are a few "rich habits" of self-made millionaires that you can start developing today:

SEE ALSO: 21 ways rich people think differently than the average person

1. They read consistently.

The rich would rather be educated than entertained. As Corley writes, "Eighty-eight percent of the rich devote thirty minutes or more each day to self-education or self-improvement reading ... Most did not read for entertainment ... The rich read to acquire or maintain knowledge."

Corley found that they tend to read three types of books: biographies of successful people, self-help or personal development, and history.

2. They exercise.

"Seventy-six percent of the rich aerobically exercise 30 minutes or more every day," Corley reports. Aerobic exercise includes anything cardio, such as running, jogging, walking, or biking.

"Cardio is not only good for the body, but it's good for the brain," he writes. "It grows the neurons (brain cells) in the brain ... Exercise also increases the production of glucose. Glucose is brain fuel. The more fuel you feed your brain, the more it grows and the smarter you become."

3. They hang out with other successful people.

"You are only as successful as those you frequently associate with," Corley writes. "The rich are always on the lookout for individuals who are goal-oriented, optimistic, enthusiastic, and who have an overall positive mental outlook."

It's equally important to avoid negative people and influences, Corley emphasizes: "Negative, destructive criticism will derail you from pursing success."

Top private high schools offer a lot of perks, from the newest classroom technology to pristine athletic fields. But when it comes down to it, nothing is more important than the quality of a school's academics.

Niche, a company that researches and compiles information on schools, just released its 2016 rankings of the best private high schools in the US, from which it also ranked the schools with the best academics— the smartest private high schools across the country.

It determined the bulk of the ratings by weighing the composite SAT/ACT score, caliber of colleges graduates attend, and percentage of seniors who go on to four-year colleges for more than 8,000 schools. Niche also looked at student-teacher ratios and survey responses from parents and students. You can read the full methodology here.

Read on to see the 50 private high schools with the smartest students in the country:

SEE ALSO: The 50 best private high schools in America

DON'T MISS: The 24 best private high schools in the Northeast

No. 50. The Pingry School

Location: Martinsville, New Jersey

Average SAT score: 2060

Four-year matriculation rate: 100%

Popular college choices: Georgetown University, University of Pennsylvania, Vanderbilt University

"The curriculum here is top-notch," one junior said. "Many students go to Ivy Leagues and other prestigious universities. The schedule is awesome and provided like a college schedule. Workload is heavy, but students deal with it."

No. 49. Newark Academy

Location: Livingston, New Jersey

Average SAT score: 2080

Four-year matriculation rate: 100%

Popular college choices: University of Pennsylvania, New York University, Columbia University

"Teachers are always happy to provide extra help, and for the most part create fun and engaging classroom environments," one senior said.

Students point out that excellent teachers make the hard work worth it.

"Definitely one of the best schools in the state," another senior noted. "Rigorous academics but the teachers make it possible for everyone to succeed as long as they apply themselves."

No. 48. Noble & Greenough School

Location: Dedham, Massachusetts

Average SAT score: 2080

Four-year matriculation rate: 100%

Popular college choices: Georgetown University, Vanderbilt University, Cornell University

"Noble typically has one of the most impressive matriculation rates in the country and definitely prepares its students for college and the real world," one Niche user shared. "I've been a step ahead of my peers in college and I know many of my fellow classmates can agree to this."

"Students and alumni are all well connected and the school has given me valuable life skills," they added. "I did plenty of internships in high school and the networks that I have been able to create will benefit me later on in the future."

The older you get, the harder it is to change your habits.

But in your 30s, you're still pretty moldable, and there's time to adopt new, positive behaviors.

To help you pinpoint the changes you'll want to make, we consulted recent Quorathreads on this critical decade and highlighted the most compelling responses.

Read on for the best ideas.

SEE ALSO: 10 changes to make in your 30s that will set you up for lifelong success

1. Start laughing at yourself

"Laugh at yourself, laugh at the absurdity of life, laugh at the goodness and the badness of every situation,"writes Quora user Cyndi Perlman Fink.

Being able to find humor in your own struggles may be important for your overall health and happiness. Research suggests that people who are able to laugh at themselves are generally more cheerful.

2. Start appreciating your family and friends

In your 20s, you may be so busy getting an education and launching your career that family and friends fall by the wayside. Your 30s are a good time to get back in touch and remember how much you love spending time with them.

As for family, "if you can find a way to make a connection with them, you may find some things in common with them, more than you expect,"says Robert Walker.

And as for friends, Nan Waldman says: "Nurture them. Laugh with them. Be silly too. Contribute to their survival and enjoyment of life. Take the time every week to be in touch."

3. Start keeping a journal

"Journal your life! Your written records will entertain and endear in your future,"writes Mark Crawley.

You don't necessarily have to keep a secret notebook under your bed — a digital photo album with captions works just as well.

Summer holiday weekends are all about being outdoors — and eating and drinking way more than usual.

And so, we often end these long weekends feeling bloated and carrying a few extra pounds (usually due to excessive beer and hamburgers).

Registered dietitian Amy Shapiro of Real Nutrition NYC shared with INSIDER three easy ways to quickly shed the extra weight we packed on during the holiday.

Here are her best tips.

1. Cut out carbs at dinner.

The quickest way to shed a few pounds immediately is to keep your dinner plate clear of carbohydrates, according to Shapiro.

"That's one of the first tips I always tell my clients," Shapiro said. "I don't believe in going carb-free, but an easy way to drop pounds is to cut carbs at dinner."

Carbs are the body's first source of energy, but people don't really need energy to sleep.

"If you eat them at lunch, you're generally going to burn through them before you go to bed," the nutritionist said. "But if you eat them at dinner, you are less likely to burn through them before you go to bed."

Shapiro told INSIDER that she doesn't just mean the obvious culprit: bread. Instead, she said people need to cut even healthy carbs, including quinoa, brown rice and sweet potato, to see results.

"Usually I say just focus on protein and veggies for dinner," Shapiro said.

2. Drink more water.

A lot of times, after a holiday weekend, we feel totally bloated because we've consumed way too much beer, salty snacks and barbecue.

To get rid of that bloat, Shapiro recommends turning to the oldest trick in the book — drinking more water.

"Drinking water helps to keep you full, but also helps to flush out any of the extra sodium or bloat that we're holding onto," the nutritionist said.

Immediately post-holiday, she suggests people drink anywhere from 10 to 12 cups a day for a few days.

"That also includes herbal tea, decaffeinated coffee or seltzer, club soda," Shapiro said. "Any non-caffeinated, non-sugary beverage."

3. Avoid processed sugar.

Shapiro also recommends that people cut out all processed sugar for one week after their holiday binge.

That's because processed sugar causes a person's blood sugar to spike, and also causes insulin (which is our storage hormone) to come out.

"You really want to avoid sugar because sugar has excess calories that nobody counts, and it causes the storage hormone to come out and make us store fat," Shapiro said.

And so, Shapiro said we need to cut out process sugar cold turkey for a few days — "that's no frozen yogurt, no gummy bears, no chocolate's from your neighbor's desk," she said.

Instead, she suggests turning to fruit or even a tablespoon of peanut butter if we find ourselves craving something sweet.

"It actually makes you think about what you're eating, and it stops mindless munching," she added.

Most parents want their kid to be brilliant, but no one has quite landed on a formula to raise an intelligent and successful adult. (Spoiler alert: These tips might help, but there are no guarantees, whatever your formula.)

The authors of a new book, "Becoming Brilliant: What Science Tells Us About Raising Successful Children," have put together a framework based on their own experiences with children and evidence gathered from years of research in child development.

Co-authors Kathy Hirsh-Pasek and Roberta Golinkoff, both developmental psychologists, are interested in how to get kids to succeed not just academically, but as human beings.

The things memorized facts can't teach you, according to the authors, are exactly what children really need to move forward in a world that's continually being restructured by information, advancement, and technology.

"We need to change the whole definition of what success in school, and out of school, means," Hirsh-Pasek told NPR, where we first heard of their book.

She and Golinkoff created a six-point "21st-century report card:" skills kids should be developing in order to be successful later on. Beyond the three Rs, parents and schools should also be focusing on what they call the six Cs:

1) Collaboration needs to be encouraged very early on

"Collaboration is everything," Hirsh-Pasek told NPR.

Learning to understand and work with the needs of others, she said, is the first step toward success. "Everything we do, in the classroom or at home, has to be built on that foundation."

As the authors write in their book, "no one can fiddle a symphony."

2) Emphasize communication skills — that includes speaking, writing, reading and listening

Communication, Hirsh-Pasek said, includes "speaking, writing, reading and that all-but-lost art of listening."

These skills are critical for learning and developing an understanding of anything at all.

3) If your kids nail communication, they should be able to pick up content ranging from science to math to arts more easily

Once communication is nailed, Hirsh-Pasek says that you can use those language skills to learn content. That includes science, math, arts, and so much more.

But many students will struggle with these subjects if they haven't first learned how to collaborate and communicate effectively. 

Known for its romantic, old world charm, Paris is often defined by its well-known monuments like the Eiffel Tower and the Louvre.

But the city of lights contains modern elements too, like the Tour Triangle, a pyramid-shaped skyscraper, and Parc André Citroën, an outdoor space built to meld the city's urban and rural elements into one architectural masterpiece.

Parc André Citroën opened for public use in 1992 and was built atop the old André Citroën car manufacturing plant, which functioned from 1915 to 1970.

A large lawn anchors the park, while smaller structures like gardens, greenhouses, and meditative spaces act as the park's border.

Below, we share Parc André Citroën's coolest features, which mix modern design and utility:

SEE ALSO: A new self-driving monorail will chop 2-hour commutes down to 10 minutes

Parc André Citroën sits near the Seine river in Paris's 15th arrondissement, one of the city's more residential areas. Its design was the product of an architectural competition in 1985 with the goal to connect the city's dense, urban areas and its more rural locations.

In its center, the space features a 895-foot long and 278-foot wide lawn as well as a paved area with glasshouses and fountains.

It was built atop the remains of the abandoned Citroën car manufacturing plant and named accordingly, after the automobile company's founder, André-Gustave Citroën.

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

Though the "Game of Thrones" finale left many fans feeling shocked, others saw Cersei's devastating wildfire plan coming a mile away. 

A quick search of the /r/asoiaf subreddit will show you fans had been predicting this for the past several years. This was partially due to some book clues, but the show gave plenty of its own hints throughout the seasons.

We've gone back and detailed every time the wildfire explosion at the Sept of Baelor was foreshadowed. 

Scroll down for a look at the 10 clues you might have missed.

Wildfire was first introduced in season two, when Tyrion is coming up with a plan for the Battle of the Blackwater.

In season two episode five, Tyrion visit Hallyne the Pyromancer to learn all about wildfire. "The substance burns so hot, it melts wood, stone, even steel," Hallyne tells him. "And of course, flesh." The man told Tyrion that Cersei had commanded the Alchemist's Guild to work tirelessly producing wildfire for her.

When Tyrion saw how much wildfire they had made, he said "the contents of this room could lay King's Landing low." This was the first bread crumb left for viewers to follow through to season six.

Then we learned about secret stashes of wildfire hidden under the Sept of Baelor.

Jaime talked about wildfire and the Mad King Aerys Targaryen in season three. During his iconic "bath speech," Jaime told Brienne the Mad King was obsessed with burning people alive with wildfire. "He had his pyromancer place caches of wildfire all over the city," Jaime said. "Beneath the Sept of Baelor, the slums of Flea Bottom, under houses, stables, taverns, even beneath the Red Keep itself." 

Jaime's revelation to Brienne changes the way she thinks of his choice to kill the Mad King. Clearly, not everyone in Westeros knew about these secret batches of wildfire. Jaime killed the Mad King to stop him from setting them off, and kept the secret ever since.

Cersei spoke of "burning" House Lannister to the ground two seasons ago.

In the season four finale, Cersei has a tense confrontation with her father Tywin. She doesn't want to marry Loras Tyrell, and she is terrified of leaving Tommen behind in King's Landing with Margaery. Cersei bursts out: "I will burn our house to the ground before I let that happen." 

When Tywin asks exactly what she means, Cersei threatens to tell the world the truth about her and Jaime's incestuous love affair. That would certainly be a good way to figuratively ruin their house, but this could also count as clever foreshadowing. 

Life is full of financial decisions, some simple, some complex, but all with the potential to make a real impact on your life. In a decade, your world can look quite a bit different than it is today — all because of these decisions.

Today I'd like to focus on some financial choices you're likely to regret in 10 years. I'd like to save you from the pain, the chaos and the heartache that occurs when people make these decisions.

Put these on your not-to-do list. You'll be glad you did.

SEE ALSO: 7 steps anyone can take to get out of debt

1. Waiting to start a budget

Have you procrastinated on starting a budget? It's time to sit down and get your spending under control.

The beautiful thing about a budget is that it not only keeps you on track with your spending, but it tells you what you should feel free to spend. Have you ever eyed a triple-scoop ice cream cone and thought to yourself, "You know what, I'm not sure I should buy this — perhaps I'm spending too much money on little things."

No more, my friend. No more. When you have a budget, you know how much you can spend and still be OK.

The long-term benefits of having a budget are incredible. Think of all the money you'll save, the financial goals you'll fund and the peace you'll have with your spouse when making financial decisions together. That's worth it!

2. Not paying off credit card balances every month

Credit card debt can pile up fast. If you're not paying off your credit cards every month, you should start. The interest on credit cards can divert money from other important goals like buying a home or saving for retirement. (You can make a credit card payoff plan using this calculator.)

Budgeting can help you ensure you're using your credit cards appropriately. You can see how your credit card debt is impacting your credit scores for free on Credit.com.

3. Buying a financial product without doing your homework

I know a woman who paid more than $3,500 in variable annuity fees and didn't even know it. Don't think it can't happen to you.

If a financial adviser or insurance agent is selling you a financial product, make sure you educate yourself on the product before you sign on the dotted line. (Full disclosure: I'm a Certified Financial Planner.)

4. Neglecting your emergency fund

Emergency funds help protect you from the inevitable. You're going to have a financial setback at some point. It could be a few hundred dollars, or a few thousand.

I recommend you have eight months' worth of expenses in an emergency fund. After you use the fund for emergencies, make it your top financial priority to replenish it. If you let your emergency fund slip into the abyss, you might find yourself down the road with more debt than you can handle.

5. Buying a new vehicle when you can't afford it

Vehicles are important for many people, but they can also become a discretionary black hole. If you are planning on buying or leasing a vehicle when you know you don't have the money, please don't.

The ramifications of a car payment well exceed the financial hit of the price of the car, and you can end up spending your retirement away without realizing it.