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14 signs you have what it takes to become a millionaire

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wealthy fashionable umbrella

Most everyone wants to become rich.

According to my Rich Habits research, being rich eliminates 67% of the problems that plague most people. So, besides being able to buy that house by the beach, snag a Rolex watch, or travel to exotic places, being rich means fewer problems in life. Fewer problems equals less stress. Less stress equals a healthier and happier life.

There are 14 signs from my research that can lead to success and wealth. If you possess all 14, your chances for becoming rich increase substantially:

SEE ALSO: 5 years of studying rich people taught me they have a set of unwavering beliefs that the rest of us don't

You are pursuing a dream or major purpose in life

Eighty percent of the self-made millionaires in my Rich Habits Study were pursuing some dream or major purpose in life.



You read to learn every day

You are a voracious reader. You read to learn every day. Often hours every day. Eighty-eight percent of the rich in my study read 30 minutes or more every day strictly to learn and educate themselves.



You think like an owner

You have an owner mindset. You think bigger. You have a big vision. You take ownership in everything you do. Ninety-0ne percent of the rich in my study were decision-makers.



See the rest of the story at Business Insider

The best suburb in every state

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Franklin Tennessee

There's a widespread stereotype that living in the suburbs is boring. But that's not always the case. The best suburbs offer access to parks and cultural activities, good job prospects, and top restaurants — in addition to low crime rates and noteworthy public schools. 

Niche, a company that researches and compiles information on schools and places to live, recently released its list of the best suburbs in the US. Using Niche's sorting tool, we found the highest-ranking area in each state.

The rankings assessed the overall livability of each suburb, taking into account the cost of living, public school quality, the percentage of residents who hold at least a bachelor's degree, and the overall strength of the area's real estate market. Niche also factored in things like diversity, average commute time, crime rates, and access to amenities. You can read a full breakdown of the methodology here.  

From a beachside town in Hawaii to the home of the Minnesota state fair, read on to see the best suburb in every US state.

Note: Due to insufficient data, there aren't entries for Montana, North Dakota, or Wyoming. 

SEE ALSO: The best public college in every state

DON'T MISS: The 50 best restaurants in America

ALABAMA: Homewood

Nearest city: Birmingham

Population: 25,420

Cost of living: C+

Public schools: A+

Health and fitness: B+

Crime and safety: B-

Diversity: A-



ALASKA: Palmer

Nearest city: Anchorage

Population: 6,250

Cost of living: C+

Public schools: B

Health and fitness: B+

Crime and safety: B

Diversity: A-



ARIZONA: Flowing Wells

Nearest city: Tucson

Population: 16,062

Cost of living: B-

Public schools: A-

Health and fitness: A+

Crime and safety: N/A

Diversity: A+



See the rest of the story at Business Insider

30 jobs that are quickly disappearing in the US

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usps post office postal service

Thanks in part to advances like email, Facebook, and Twitter, mail carriers may be all but obsolete in the not-so-distant future.

By 2024, the US Bureau of Labor Statistics projects a 28% decline in postal-service jobs, totaling around 136,000 fewer positions than 2014.

Mail carriers aren't the only ones whose jobs are disappearing. Technology and market shifts have affected a wide range of fields.

Based on the BLS's occupational outlook data, here are 30 jobs that could be on their way out of the US:

SEE ALSO: The 21 best jobs of the future

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

30. Metal and plastic cutting, punching, and press machine setters, operators, and tenders

They set up, operate, or tend machines to saw, cut, shear, slit, punch, crimp, notch, bend, or straighten metal or plastic material.

Median annual pay: $31,280

Number of people who held this job in the US in 2014: 192,200

Predicted number of people who will hold this job in 2024: 152,700

Projected decline: 20.6%



29. Parking enforcement workers

They patrol assigned area, such as public parking lot or city streets to issue tickets to overtime parking violators and illegally parked vehicles.

Median annual pay: $36,530

Number of people who held this job in the US in 2014: 9,400

Predicted number of people who will hold this job in 2024: 7,400

Projected decline: 20.8%



28. Desktop publishers

They format typescript and graphic elements using computer software to produce publication-ready material.

Median annual pay: $39,840

Number of people who held this job in the US in 2014: 14,800

Predicted number of people who will hold this job in 2024: 11,700

Projected decline: 21%



See the rest of the story at Business Insider

7 amazing American rivers for whitewater rafting

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Whitewater raftingFrom seasoned pros who seek turbulent rapids and intimidating waterfalls to first-time families with young kids, whitewater rafting is a thrilling sport that has attracted thousands to rivers around the world.

Fortunately, there are a number of amazing river systems in the U.S. that provide a variety of experiences. Some are fast, while others are slow and steady, offering scenic rides through canyons and national parks.

So, if you’re looking for a day (or days!) of adrenaline-pumping rides paired with stellar sights that are best seen through the sway of some of the earth’s most beautiful waterways, check out this list of awesome American rivers for whitewater rafting.

1. Colorado River

Kicking off in the Rocky Mountains, the Colorado River flows through one of the most stunning areas in the U.S. -- the Grand Canyon. Stretching through five national parks and six national monuments and state parks, it's no wonder journeys can last anywhere between a few hours and 18 days. Trips in May and June are faster (read: more exciting), while those in August and September are tamer. Rapids range from class I to V, but rafting along any part of the river will make for a beautiful ride with awe-inspiring canyons, views of bridges, and relics from the Gold Rush.



2. Nenana River

When in Alaska, book a whitewater rafting trip down the popular Nenana River. Fed by glacier water, the temperatures can be cold, but are completely worth it. Brace yourself for an exciting (and super wet) ride -- the river, which runs through Denali National Park, comes with class III and IV rapids. For those less experienced, there are less intense sections that still offer views of Alaskan scenery and wildlife like bears, moose, caribou, sheep, and lynxes.



3. Gauley River

With more than 100 rapids along 24 miles, the Gauley River in West Virginia is a prime destination for whitewater rafting. The dam-controlled river is best experienced during the scheduled release dates in the fall, though summer trips between Memorial Day and Labor Day bring a ton of fun as well. Adventurous folks will want to check out the Upper Gauley River for an extreme ride with class V rapids, steep drops, narrow chutes, and rocky ledges. Be prepared to go over the 14-foot Sweet’s Falls and keep your fingers crossed that you don’t go under. If you're hungry for more, head to the American Whitewater Gauley Fest in September, which happens to be the largest paddling festival in the world.



See the rest of the story at Business Insider

18 stunning pieces of 'Game of Thrones' fan art from around the web

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Game of Thrones fan art Ertacaltinoz DeviantArt

Warning: There are spoilers ahead for "Game of Thrones."

George R.R. Martin's epic written saga "A Song of Ice and Fire" was adapted into HBO's hit television series "Game of Thrones." Though many hail the series' producers for successfully bringing the books to life, others have their own artistic interpretations of what the characters and locations may have looked like. 

We scoured online artist havens like DeviantArt and Instagram for the best sampling of "Game of Thrones" fan art. Scroll down to see the variations of inspired works.

Perhaps the best-known fan artist is Robert Ball. He was commissioned by HBO to draw a graphic representing one death from each episode. Here's his take on the season six finale:

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Others take a less abstract approach. Aaron Griffin is a UK based digital artist who specializes in realism. This mind-blowing recreation of Sansa Stark looks exactly like a photograph.

Source: DeviantArt



Aljona Koshkar is a colored-pencil artist who uploads her creations to Instagram. This drawing of Melisandre is impressive.

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See the rest of the story at Business Insider

The 2016 ranking of the 10 best public universities in America

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UCLA Fan

The University of California system is a public-university powerhouse, according to a new list from the Center for World University Rankings.

Of the top 10 best public universities in the country, the UC system contributes four to the list, sweeping the top four spots. America's top public university on CWUR's list — the University of California, Berkeley — ranked seventh overall globally.

CWUR uses eight indicators to determine its rankings, including quality of education, alumni employment, and influence. The organization also credits itself as the only ranking that doesn't rely on survey or university data.

See the top 10 public universities in the US below:

No. 10 — University of North Carolina at Chapel Hill



No. 9 — University of Illinois at Urbana–Champaign



No. 8 — University of Texas at Austin



See the rest of the story at Business Insider

A scientist created a robot stingray using living rat heart cells — here’s how he did it

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A scientist made a robot stingray that's so realistic you would probably confuse it for the real thing.

Kit Parker, a Harvard professor of bioengineering and applied physics, made the robo-stingray to learn more about heart disease.

Scroll down to see how the stingray swims and what this means for cardiovascular research going forward.

Parker's four-year-old daughter was petting stingrays at a local aquarium when he got the idea for the robot stingray.

"She had her hand flat and the stingray is coming right at it and at the last second it moved very slowly away at about 45 degrees," Parker told Tech Insider. "[I thought], 'let's test a hypothesis that marine life forms that swim, that are designed to pump, they have the same design features as the heart.' The heart is a muscular pump, nothing more."



So Parker set out to make the robot stingray a reality. He reached out to Sung Jin Park, a bioengineering Ph.D student at Stanford, to help him design the robot.

Parker wrote on the back of a napkin the four main questions they would need to answer to make the robot stingray a reality.



One fairly important question to answer: once you build the thing, how on Earth do you get it to swim? Again, Parker's daughter provided the inspiration to answer that question.

Parker wanted a way to walk with his daughter safely even though she resists handholding. He decided to use a laser point to make a game out of their walks — she runs to the laser point and stops before he shines it ahead again.



See the rest of the story at Business Insider

19 places that have been completely overtaken by Pokémon Go

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pikachu Pokemon

If you've noticed an abundance of people walking around staring at their phones lately, it's likely that they're playing Pokémon Go.

The augmented reality game, which allows you to find Pokémon out in the real world, has taken the world by storm. And while the game hasn't been fully released in Europe or Asia yet, people have still found ways to play it outside of the United States. You can find people playing it everywhere from New York to Iraq.

Thanks to Pokémon Go, here are 19 places where you can find Pokémon:

New York City's Central Park has been completely overrun with people who are trying to capture Pokémon.

A video of it surfaced on Twitter.



A Psyduck was spotted on a bridge in Glasgow, Scotland.

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A soldier found Squirtle on the battlefield in Iraq.

The soldier challenged ISIS to a Poké battle.



See the rest of the story at Business Insider

HR doesn't want you to know this one interview secret

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children Christmas window shopping toys storefront

J.T. O'Donnell published this post originally on LinkedIn.

Having worked in HR for many years before becoming a career coach, I learned a lot about job interviews. Specifically, how hiring managers come to a decision about who to hire. 

To the job seeker on the outside, you may think it's a clear-cut process where the most qualified person for the job is selected. Unfortunately, hiring is never clear-cut. Especially, during interviews.

Here's why:

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

Most hiring managers don't know what they want

When a position becomes available in a company, it's usually for one of four reasons:

1. The person currently in the role is getting promoted and a replacement is needed.
2. The person currently in the role quit and a replacement is needed.
3. The person currently in the role is being fired and a replacement is needed.
4. It's a new position that needs to be filled for the first time.

In all of these cases, hiring managers are forced to come up with a list of candidate criteria they believe are needed to do the job successfully.

This is where the problem begins. Why? Hiring managers often don't know all the criteria needed to the job well. How is that possible?

Let me explain ...



The fine-tuning process

While most hiring managers can tell you the tasks associated with a job and the hard skills needed to complete them, they have a much harder time identifying the 'soft skills' needed to succeed in the role. For example, it isn't as easy to explain what type of personality will do best in a position. Nor is it simple to identify the aptitude a person must have to be able to learn in the company's work environment. As a result, these things are often determined during a series of initial screenings of candidates with the right experience levels.

After which, the hiring manager is able to better determine what they are looking for in a candidate. At which point, the information is conveyed to HR, the job description is adjusted, and the search for the candidate continues. Even with special tools, like this Career Decoder Quiz, to help identify the personas needed for a job, it can still stake some time for a hiring manager to fine-tune the job description.

Example: Have ever had an initial interview only to be told they're going with another candidate, but you then see the job re-posted a few weeks later? You know what happened. You were a victim of the job description fine-tuning process.



What can you do?

The single best way to stay in the running during the job search fine-tuning process is to nail the interview on two levels: personality and aptitude. If you can personally connect with the hiring manager, you can make a strong enough impression to make them want to adjust the job description in your favor. (i.e. This Inc. magazine article discusses using mimicry to be more likable in interviews.)

Instead of worrying about getting the job you are interviewing for, you should be focused on building a relationship with the hiring manager that can lead to you getting a job with him or her in the near future. The best way to do this is by completing thorough interview prep so you are relaxed yet confident in the interview. The more prepared you are, the easier it is for you to make a good impression.

Note: In the event you don't get chosen, don't assume you can't get the job. While I don't suggest you stalk/harass the employer, you can circle back in a month to check in on their progress in finding a candidate. By then, they have often come full circle with the job description and are re-evaluating previous candidates.

Which means, it's your chance to let them know you're still interested.



See the rest of the story at Business Insider

The best iPhone widgets you should be using (AAPL)

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iPhone widget

iPhone apps can display helpful information right on your lock screen through widgets.

We've collected the 10 best apps that use widgets creatively to keep you up to date and entertained  all from your iPhone's lock screen.

From alerting you to when you've only reached your data cap to showing you the best headlines from The New York Times, these widgets pack some power. 

Steven Tweedie contributed to a previous version of this article. 

SEE ALSO: Everything we know about the iPhone 7

See the best of the New York Times with NYT Now.

Every day, the editors at The New York Times send their favorite stories to the NYT Now app, along with important articles from other sources. The app's widget shows you the most recent headlines so you can jump right into an article or just skim the day's news.

Price:Free



Create time-saving shortcuts with Launcher.

Launcher lets you create customized iPhone widgets that you can access from your lock screen to save time. You can open apps, get Google Maps directions home, call your mom, or create a button for quickly messaging your best friend.

Price:Free



DataMan keeps you informed about how much data you have left.

If you're always worried about going over your data cap for the month, you should definitely try DataMan. The nifty little app keeps track of how much data you have left, and the app's widget makes checking your usage lightning-fast.

Price:$1.99



See the rest of the story at Business Insider

PHOTOS: What it's like to hunt Pokémon through the streets of London

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pokemon go london

I just spent my lunchtime spinning in circles in Oxford Circus, central London, in the pouring rain.

You see, I was trying to catch Drowzee — but first I had to find the damn Pokémon.

He had flashed up on my radar, and I'd started the catch procedure. But nothing was coming up on my screen, so I had to resort to rotating desperately, thoroughly drenched, trying to locate the critter, as shoppers and tourists bustled past me.

I am, just like half the world's population right now, hooked on "Pokémon Go." It's an "augmented reality" smartphone game that has its players running all over the real world trying to catch pokémon, and since its launch last week, has proved a wild success — so wild that Niantic, the development studio, has had to pause its official roll-out as it struggles to keep up with demand.

As a result, it's not yet officially available in Britain, and hundreds of other countries. There are ways to get around this with a bit of technical know-how, and Business Insider has put together an easy guide on how to do this on iPhones and Android phones.

But if you'd rather wait for the official release, then this is what you're missing out on.

"Pokémon Go" is something entirely new.

"Pokémon Go" is unlike any game I've ever played. While the vast, vast, vast majority of computer games are fundamentally sedentary, the game is unplayable if you don't get up and move. The real world is the game world — pokémon, pokestops, and gyms overlaid on a map that tracks you using your GPS. 

If you don't move, you can't find pokémon, you can't battle, you can't level up, and you can't progress.

It's that simple.



This is the map from my London flat's sitting room. There's not too much going on in the area — though there's a few locations off in the distance.



Pokémon can (and do) pop up just about anywhere, with a radar-esque feature letting you know what's nearby. I managed to catch a Rattata on my way out my front door!



See the rest of the story at Business Insider

The 14 fast-food restaurants Americans love most

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Chick Fil A

Quick, cheap, and satisfying: fast-food restaurants are designed to please the customer.

A $225 billion industry that's universally associated with American culture, fast food evokes surprising passion, with millions of customers developing cult-like loyalty for their favorite chains.

Business Insider recently teamed up with Restaurant Business, a food-service industry expert and media outlet, to compile a definitive ranking of the best fast-food restaurants in America in 2016. Using proprietary data collected by Restaurant Business and its sister research firm Technomic, we looked at nearly 100 of the largest US chains and rated them on three criteria that we considered the most telling for all-around fast-food excellence: financial performance, customer satisfaction, and overall value. (Read more about the methodology here).

Here, we rank the best fast-food chains in America by their customer satisfaction ranking.

As it seems, customers tend to gravitate toward more specialized and regional brands that offer a higher-quality experience, including fresh, sustainable ingredients, at an affordable price, according to Restaurant Business.

Keep reading to see the 14 fast-food chains Americans love most.

DON'T MISS: The 25 best fast-food chains in America

AND: 15 of the healthiest fast-food menu items

14. Jamba Juice

Headquarters: Emeryville, California

US sales: $539 million

Number of US locations:818

Financial performance rank: 72

Customer satisfaction rank: 14

Value rank: 5

Founded in 1990 in a California beach town, Jamba Juice was years ahead of today’s ubiquitous green smoothie and healthy living trends. Despite slow growth, the smoothie stop has remained a favorite for loyal customers over the years.

The chain’s menu has expanded to offer Greek yogurt energy bowls and plenty of new fruit and vegetable smoothies. But perhaps Jamba Juice’s most infamous item is the Wheatgrass shot— a liquefied chunk of grass cut right off the in-store grass garden that’s packed with vitamin K.



13. Schlotzsky's

Headquarters: Atlanta, Georgia

US sales: $320 million

Number of US locations:350

Financial performance rank: 55

Customer satisfaction rank: 13

Value rank: 43

The average customer order totals just over $11 at Schlotzsky's, according to Technomic. That's pricey for a sandwich shop, but the higher-quality offerings keep customers satisfied. Schlotzky's serves up more than a dozen classic sandwiches, as well as oven-baked pastas, flatbreads, soups, salads, gourmet pizzas, and Cinnabon desserts.

After more than 40 years of operation, Schlotzsky's has begun remodeling its locations to install electronic charging stations for phones and laptops, called “Juice Bars,”and plans to include them in all new locations.



12. Jason's Deli

Headquarters: Beaumont, Texas

US sales: $654 million

Number of US restaurants: 262

Financial performance rank: 34

Customer satisfaction rank: 12

Value rank: 15

Nutrition is a priority at Jason’s Deli, which has eliminated artificial trans fat, most artificial MSG, and all artificial colors, dyes, and flavors from its food over the past 10 years. In addition, the chain serves fresh produce — delivered to its locations six days a week — as well as more than a dozen USDA-certified organic ingredients.

The family-owned chain has set up shop in 30 states in the South and Midwest over 40 years of operation.



See the rest of the story at Business Insider

10 movies you can buy for incredibly cheap on Amazon Prime Day

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Tuesday is Amazon's one-day global shopping event, Prime Day, when prices on items across the site drop to a huge discount for the site's Prime members.

And some great movie titles are included.

From recent hits like "Deadpool" and "Mad Max: Fury Road" to box sets from classic directors Stanley Kubrick and Quentin Tarantino, we have come up with 10 titles you should nab right away.

Amazon Prime Day ends at 11:59 pm PST.

Note: All prices below are to own, not rent.

DON'T MISS: We went through all of Amazon's Prime Day deals, and these are the ones you should care about

SEE ALSO: Marc Maron says that he's ending his IFC TV show: "It's done"

1. "Deadpool" (Digital HD) $6.99 / Originally $14.99

Get one of the biggest hits of 2016, which stars Ryan Reynolds as one of the most crude characters Marvel has ever thought up.

Buy now



2. "Fast and Furious" seven-movie collection (Blu-ray and Digital HD) $34.99 / Originally $99.98

The true "Fast and Furious" fan can now spend hours watching the high-octane adventures of Brian, Toretto, and the rest of their street-racing "family."

Buy now



3. "Ghostbusters" (1984) (Digital HD) $6.99 / Originally $9.99

With the female-led version about to hit theaters, this is a perfect time to get your hands on the original comedy classic.

Buy now



See the rest of the story at Business Insider

I'm a financial planner, and here's what I tell my 30-something clients

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wealthy friends walking new york city

When you’re first getting your financial act together, the advice you’ll get pretty much boils down to:

  • Create a budget
  • Build up emergency savings
  • Pay down debt
  • Contribute enough to your 401(k) to get a company match, and fund a Roth IRA as well if you can

You built up a solid career, got out of debt, started saving for retirement…in short, you’re doing everything right.

Congratulations! You’ve just graduated from Adulthood 101: Surviving the Cereal-For-Dinner Years.

Welcome to Adulthood 201: More money, more problems

Your life is more complicated than it was when you were 22. Now you’re 32, and you might own real estate — or you might be married (or plan to get hitched soon). Perhaps you even have a child (or plan to add to your family in the next few years). And your parents are getting a little older, so you’re preparing to help with their care one day.

Just yesterday, it seems, you were chasing the best happy hour deals. Now, you and your friends chat about the best local school districts. Are you just one bad decision away from wearing Mom Jeans?

Never! (Listen, there’s no excuse for Mom Jeans.) I’d be happy to guide you into the next phase of keeping your financial life healthy. Now that you have some assets, there are many ways to make your money work harder. You have the power to build serious wealth in your 30s and beyond.

SEE ALSO: I'm a financial planner, and here's what I tell high-earning clients who want to enjoy their money while still building wealth

Up the retirement ante

If you’ve been contributing just enough to your 401(k) to get the company match, and fully funding your Roth IRA each year, you are awesome. But I’m going to challenge you to contribute beyond the minimum to get company match.

Look at your take-home pay and subtract necessary monthly expenses. If you have money left over, use some of that to up your 401(k) contributions even more.

Why focus on this account? Boosting contributions works for you in two ways. First, money you contribute to your 401(k) is pre-tax, so the more you contribute, the less you pay in taxes. Second, more money + time + compound interest = your retirement savings growing exponentially faster whenever you contribute more.



Save more aggressively

If you’re right in the sweet spot of earning a good salary and not having too many financial responsibilities yet, now is the time to save aggressively toward your short-term goals. If you know you’re just a few years away from homeownership, wedding planning, and having kids, save more than just the recommended 10% of your salary.

10% of your gross income should serve as a baseline to get you started with saving. But you’re ready to move up to the next level — which means it’s time to up your savings game, too. Now is the time to consider 15% to 20% of your gross income as your new minimum.

If you plan to use this money in the next five years, keep it in a savings account that earns you some interest, but allows you quick access to your cash.



Take stock

If you have money available that you don’t plan to spend for at least five years, consider investing it. If you’ve never bought stocks or funds beyond your retirement accounts before, this can be intimidating. But there are some easy entries into the world of investing.

Start with low-cost index funds or Exchange-traded funds (commonly called ETFs). Funds are a great way to diversify your investments quickly — and not putting all your eggs in one basket is a great strategy for minimizing overall risk.

But don’t go into investing blindly. Keep an eye on fees when you’re picking investments. Look at a fund’s expense ratio, which is a percentage that indicates what fee you’ll pay per $10,000 you invest. There are options out there that will cost you less than $10 per $10,000 invested.

Also look for no-load funds, which don’t charge you a commission when you invest. By sticking to low-fee investments, you can grow your investments without spending a lot to do so.



See the rest of the story at Business Insider

The world's 25 most popular theme parks

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DisneylandA recent report by the Themed Entertainment Association has ranked the top 25 theme parks in the world, with destinations ranging from Florida to Tokyo.

Last year alone, these theme parks were visited by over 235.6 million combined guests, and attendance just keeps increasing

Take a look at the top 25 most popular theme parks across the globe.

25. Songcheng Lijiang Romance Park — Lijiang, China

Songcheng Lijiang Romance Park only launched in 2014, and already boasted 4.6 million visitors in 2015. It’s home to rides and shows, of course, but also life-size recreations of ancient Chinese cities and Tibetan villages.



24. De Efteling — Kaatsheuvel, Netherlands

A world of fantasy awaits at De Efteling in the Netherlands. The park, which opened in 1952, takes visitors back to a simpler time with frill-free rides and simple animatronics.



23. Tivoli Gardens — Copenhagen, Denmark

Tivoli Gardens is the second-oldest operating theme park in the world, having been approved for construction in 1843, by King Christian VIII of Denmark. It was intended as a way to distract people from politics, and to this day gets peoples' minds off their troubles.



See the rest of the story at Business Insider

MORGAN STANLEY: Here are 16 stocks that should thrive no matter what

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algae fuel petri dish

Putting your money in the stock market can be risky. But some stocks are going to thrive, no matter what happens to the economy. The trick, then, is finding those stocks.

Morgan Stanley might be able to help.

On Tuesday, Morgan Stanley released its list of "vintage values" stocks for 2017 — 16 stocks that researchers expect to do well over the next year.

To compile this list, the researchers focused on stocks that were rated "overweight" by analysts, and also had a favorable risk/reward profile. "Put simply, we believe these 16 ideas represent our highest-conviction stock ideas for outperformance over the next 12 months," the report states. "Each of these stocks is an attractive one-year buy-and-hold investment opportunity."

We've summarized Morgan Stanley's list here, including projected earnings per share, or EPS, in 2017 and the projected 2017 price-to-earnings, or P/E, ratio, as well as a comment from Morgan Stanley about the stock. Growth stocks with lower price/earnings to growth ratios are generally considered cheaper.

Amgen Inc.

Ticker: AMGN

Projected 2017 EPS: $12.98

Projected 2017 P/E: 12.0

Comment: "We are OW Amgen as we believe the upside from AMGN's pipeline and key near-term data readouts (particularly from the PCSK9 inhibitor outcomes studies) help reduce the long-term risk the company's current base business faces from biosimilars."



Bristol-Myers Squibb

Ticker: BMY

Projected 2017 EPS: $3.37

Projected 2017 P/E: 21.9

Comment: "We rate BMY shares Overweight on very strong growth prospects from a low 2015 earnings base (5-yr EPS CAGR of 25%) ... Consensus appears to underappreciate the margin expansion potential of Bristol."



Charter Communications

Ticker: CHTR

Projected 2017 EPS: $2.98

Projected 2017 P/E: NM

Comment: "Following its acquisition of Time Warner Cable/Bright House, we expect Charter to successfully implement the strategy it has proven out over the last four years on this now larger footprint, driving meaningful OpFCF growth."



See the rest of the story at Business Insider

25 things you should never say in a a job interview

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office space bobs

It's no secret that job interviews are stressful.

Most of the time, they involve you sitting down and basically pitching yourself to a total stranger.

Still, it's important not to let your nerves get to you. That means avoiding certain conversational landmines.

These gems won't just derail your interview, they'll make you seem dumb, lazy, and unprepared.

Here are 25 words and phrases to avoid during job interviews.

SEE ALSO: 11 ways unsuccessful people mismanage their time

DON'T MISS: 12 habits of unsuccessful people

'What does your company do?'

Questions like this will make you look unprepared. To avoid that, never ask anything that can easily be answered with a Google search.



'What will my salary be?'

Asking about money too early in the process sends the message that you're arrogant and rude.



'Will I have to work long hours?'

This says, "I'm lazy."



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The most stunning drone photos of the last year

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3rd Prize Winner category Nature_Wildlife Piton de la fournaise, Volcano by Jonathan PayetDronestagram, a drone photography sharing website, recently announced the winners of its annual contest, and the photos are incredible.

Contest categories included nature, sports, and travel, with the winners of each category awarded the opportunity to have their photographs featured in National Geographic. They also received a new drone or drone gear, depending on which place they won.

The photographs were judged by a National Geographic editor, a National Geographic photographer, and Dronestagram's co-founders, Eric Dupin and Guillaume Jarret. This was the international contest's third year.

Check out the first, second, and third place winners from each category below:

SEE ALSO: Amazon's largest outdoor drone testing site is a field somewhere in the UK — but it won't say where

3rd Prize, Travel: "Summer camp of Gran Canaria" by Karolis Janulis



3rd Prize, Sports/Adventure: "Chugach Mountain Range, Alaska" by High Angle Shot



3rd Prize, Nature/Wildlife: "Piton de la fournaise, Volcano" by Jonathan Payet



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Celebrities are having the best summer ever on this Hollywood producer's luxury yacht

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David Geffen boat

Billionaire Hollywood producer, David Geffen, is winning summer.

The 73-year-old mogul is currently cruising the high seas on his $590 million luxury yacht, Rising Sun, and he's taking tons of celebrities with him.

Karlie Kloss, Leonardo DiCaprio, Oprah, and Mariah Carey are just a few of the famous names who have recently stayed on the 454-foot mega yacht. 

This is David Geffen. He's a founder of DreamWorks SKG, Asylum Records, Geffen Records, and DGC Records. He's worth a reported $6.5 billion.

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Source: Forbes



The 73-year-old recently joined Instagram and it's the best account ever.



This summer, Geffen is documenting all of his celebrity friends who stay on his mega yacht, the Rising Sun.

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The 25 most high-tech cities in the world

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high-tech cities

Cities are the way of the future.

In less than 35 years, the World Health Organization estimates that two-thirds of the world population will be living in urban areas. That's an additional 2.5 billion people. The cities that will flourish the most are those that rely on cutting-edge technologies and create opportunities for people to develop new ones.

To get a sense of which cities do that the best, Tech Insider consulted 2thinknow, a research firm that specializes in analyzing innovative cities, to rank the most high-tech cities in the world. The firm chose nine factors related to technological advancement — including the number of patents filed and number of venture capitalists invested in a city's technology — weighted them, and ranked a list of 85 cities accordingly. (Check out the full methodology here.)

If you want to know what the future will look like, these are the cities to keep an eye on.

25. Washington, DC

The US capital has been rapidly expanding its tech scene over the last decade, growing its overall number of tech-related jobs by 50%.

In addition, more than 1,000 startups call DC home. The proximity to the federal government mixed with the deep pockets of nearby venture-capital firms makes starting a world-changing company an appealing prospect in the city.



24. Copenhagen, Denmark

What Copenhagen lacks in startup culture and venture capital, it makes up for with innovative urban planning and a strong contingent of industrial designers — factors that 2thinknow praises as signs the city prioritizes smart manufacturing.

By 2025, the city plans to sever its dependence on fossil fuel, due in large part to harnessed wind energy. Its robust bike culture and fleet of architecture firms allow Copenhagen to be a city that's not just green, but beautiful.



23. Shenzhen, China

Patents are flying out of Shenzhen, a city in southern China that boasts a population of 11 million. 

As part of the country's push toward manufacturing, Shenzhen has grown significantly over the last several years as a hub for factories and robotics. Multiple telecom and electronics giants have found a home base in the city.



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