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Here's how insanely competitive Oracle billionaire Larry Ellison really is

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larry ellison champagne

Larry Ellison, Oracle's billionaire cofounder and current CTO, is famous for his brash personality.

He's shown time and time again that he's willing to go to great lengths to win, both in business and in his extracurricular activities. 

In honor of The America's Cup — one of Ellison's favorite hobbies, which begins Saturday in New York City — we've rounded up the stories that best show how competitive Ellison really is. 

SEE ALSO: The rise of Bill Gates, from Harvard dropout to richest man in the world

Ellison wants to be dominant in everything he does. On Oracle's competing with Microsoft to be the No. 1 software company, Ellison told 60 Minutes in 2004, "We're in second place. We're trying to catch them. They're not making it easy ... They have a monopoly. We don't. Darn it."

Source: 60 Minutes

 



Ellison obsessed over beating Microsoft's Bill Gates for years. Former Microsoft CTO Nathan Myhrvold told Vanity Fair in 1997: "I mean, the guy’s got six billion bucks. You'd think he wouldn’t be so dramatically obsessed that one guy in the Northwest is more successful. [With Larry] it’s just a mania."

Source: Vanity Fair



He led huge changes in the America's Cup sailing competition, moving away from standard catamarans to expensive, futuristic AC72s. The boats are 13 stories tall and reach speeds of up to 50 mph.

Source: Business Insider

 



See the rest of the story at Business Insider

5 things to do in your last semester of college that will prepare you for the real world

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College Graduation

'Tis the season for caps and gowns — and for many college seniors this can only mean one thing: It's officially time to panic.

While some students finish out their final semester with a job offer and a plan in hand, most don't. A 2015 study from AfterCollege.com found that 84% of college students who were actively looking for a job didn't have one lined up before graduation. 

But luckily, most college graduations take place in mid or late May, so there's still a little time ... and a few things you can do to make the most of these next few weeks.

Here are five things students can do to increase their chances of donning a cap and gown with a job offer in hand:

This is an update of an article originally written by Lydia Dallett.

SEE ALSO: The 15 best entry-level jobs in 2016

1. Forget landing your dream job. Focus on what can get you there in the future

While your first job can serve as a springboard for your professional future, it's not going to make or break your career, and it certainly won't be your last. "There is a fear in deciding what to pursue, and a fear that the choice will be right or wrong," says Lori Balantic, a senior associate director in Connecticut College's career counseling program. But choosing a first job isn't an indictment on your future, she says. Rather, it's a chance to explore a new field, build a network, and gain skills and insight that will serve you regardless of where your career path goes.

For most millennials, that path will be long and winding. "These days, college graduates are staying in their first job for 18 to 30 months and then moving on," notes Diana Gruverman, a campus recruiting lead at AIG. Instead of searching for your dream job, "find something that will position you for your career goals," she advises. "Pick something interesting that will present you with challenges that will make you more marketable for your next job."



2. Map out each week of the rest of the semester, so you can visualize how you'll achieve your goal

If there are a few weeks left before graduation, figure out what your goals are — be it a job offer, grad school, or a summer internship — and then make a week-by-week plan for achieving that goal.

A sample plan may look something like this:

• Set up an appointment at Career Services.
• Make a list of your interests, skills, and desires for your first job (check out this article for good questions to ask yourself).
• Create or update your LinkedIn account, and check your social media profiles to make sure you aren't sending the wrong message to a potential employer.
• Update your résumé.
• Join your college's alumni network and plan on attending a few upcoming events or panels.
• Talk to everyone you know about what you're thinking about, especially professors, parents or mentors who know you well.
• Reach out to three alumni in your field of interest and ask if you can take them out to coffee or set up a 30-minute phone call where they talk about their experience.
• Set aside a few hours each week to peruse job listings through your college's career services homepage, and make a list of everything that interests you, even if you're not qualified.
• Apply, apply, apply!

Jumping headfirst into hundreds of job listings can be incredibly overwhelming and demotivating, so it's important to first think about who you are, what you're interested in, and what you're qualified for, so that you can tailor your job strategy to meet your unique goals and deadlines.



3. Make an appointment with Career Services ASAP

For student job seekers, a visit to career services should be top priority. "College career centers are a wealth of information for students," says Gruverman. Some of the dozens of resources they provide include internal job boards, lists of alumni you can contact in a variety of fields, self-assessment tests, sample resumes and cover letters, and information about applying to grad school.

The most valuable services they provide, however, are one-on-one meetings with career experts who can review your resume, conduct mock interviews, connect you to alumni, and help you practice your 90-second pitch.

"Students should be able to talk about their experiences and skills, and why they would make a great candidate for a job in 90 seconds or less," says Gruverman. Whether you practice with a friend, a career counselor, or the mirror, the important thing is make sure you don't sound too robotic or rehearsed. "Practice will make networking feel a lot less awkward," she adds.



See the rest of the story at Business Insider

IBM's Watson has been sending me weird but wonderful personalized fitness tips (IBM)

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IBM Watson exercise bike

When Under Armor released a new, free fitness app, Record, last January, which uses IBM Watson to send you personalized fitness tips, I was pretty excited about it.

Under Armor owns some of my favorite fitness-tracking apps, especially MyFitnessPal.

I use MyFitnessPal to track my diet. That means I use it to verify that half of the time I'm eating fewer calories than I'm burning.

MyFitnessPal syncs with all the wearable fitness devices on the market and passes the data to the Record service. Record takes all the info from millions of users and compares how you are doing to other people like you.

Before I started using Record, for few months, I carefully logged all of my food and workouts in MyFitnessPal to give Record plenty of data about me. You don't have to do that. I just wanted to.

For the past month I've been using Record daily to log stuff.

And now, I get a daily "insight" about myself from IBM Watson. Some of them are hilarious. Some of them are baffling. And a few of them are useful.

Take a look ...

SEE ALSO: How to find out everything Google knows about you

SEE ALSO: This hacker makes an extra $100,000 a year as a 'bug bounty hunter’

This was the the very first insight I got from Watson. I was mostly baffled by it. I didn't see a correlation between my workout duration and other women's workouts. And it felt like Watson was implying that maybe I was working out because I was depressed?



When I clicked on the "learn more" it just took me to two random studies about exercise and depression. It is true that exercise boosts my mood. Endorphins are great. That's why they call it "runners high."



This "tip" seemed a bit like a marketing pitch, but then again, I actually haven't used the app to meet other fitness people.



See the rest of the story at Business Insider

A man decided to turn himself into a goat so he could take a break from being human — here's what it was like

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Goat Life Mountain

When life gets unbearably stressful, most of us opt for a vacation that relieves us of the worries of day-to-day life.

Thomas Thwaites, a UK-based designer, decided to take that a step further and take a break from being a human entirely. He became a goat.

Seriously. With the help of a team of researchers and the financial support of London-based biomedical research group Wellcome Trust, Thwaites built himself a suit to achieve goat status and cross the Alps, all of which he chronicles in his upcoming book.

For Thwaites, the project wasn't just a physical adventure. It was a psychological one, too.

"I started thinking of the project as kind of this investigation into what present-day science and technology could do to help me achieve what I think is this ancient human desire of becoming more like an animal," Thwaites told Business Insider.

Here's what the experiment was like:

SEE ALSO: Archaeologists may have discovered a Viking settlement in North America — here's what it looks like

DON'T MISS: Here's the biggest obstacle to wiping out one of the deadliest mosquito-borne diseases

This is Thomas Thwaites. He's a designer. You might know him from his TED Talk about building a toaster from scratch. Last year, he decided that he wanted to take a break from being a human.

Watch that TED talk here.



At first, Thwaites wanted to try being an elephant. Its size, he thought, would make it easier to transition from a two-legged person to a four-legged animal. But he changed his plan after speaking with a shaman who said that he'd connect better to his environment if he chose to become a goat.



Next, Thwaites went about discovering how to be a goat. He spoke to goat behavioral experts to find out how and what goats think. After finding out that activity in several parts of his brain distinguish him from a goat, he met with a neuroscientist at University College London to try and hack a system for temporarily shutting those parts off, particularly the Broca's area, which is related to speech. To Thwaites' dismay, the technology to turn off a person's ability to understand language isn't there yet. So, Thwaites decided to focus on the physical aspects of becoming a goat.



See the rest of the story at Business Insider

19 companies that offer some of the best parental leave policies in America

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babyIn August 2015, Netflix made a huge announcement — the company's new moms and dads can take off as much time as they want during the first year after their child's birth or adoption.

By announcing this policy, Netflix not only joined the ranks of several major companies, but it also led the way for many more that have instituted radical parental leave policies at odds with the country's lack of mandatory paid parental leave.

While US policymakers have been slow to acknowledge the benefits of guaranteeing paid time spent with a new child, companies like Netflix say they want their employees to be able to balance the needs of their growing families without worrying about work or finances.

"Experience shows people perform better at work when they're not worrying about home," Tawni Cranz, Netflix's chief talent officer, wrote on Netflix's blog. "This new policy, combined with our unlimited time off, allows employees to be supported during the changes in their lives and return to work more focused and dedicated." 

Here are some companies that are making life for new parents that much better with generous parental leave policies:

SEE ALSO: The science behind why paid parental leave is good for everyone

DON'T MISS: 9 scientific ways having a child influences your success

Netflix

New parents at Netflix take as much paid parental leave as needed for up to one year after the birth or adoption of a new child, and they can choose to return full-time, part-time, and take additional time off as needed.

 



The Bill & Melinda Gates Foundation

Employees at the largest private foundation in the world can enjoy up to one year of paid time with their newborns during the child's first year after birth or adoption.

"This will enable parents to participate more fully in their children’s lives, while also allowing them the flexibility and financial certainty to meet the needs of their growing families," Steven Rice, the foundation's chief human resources officer, writes in a statement posted on LinkedIn.



Etsy

Regardless of gender, birthing means, or country of residence, all employees are eligible for 26 weeks of fully paid leave that can be taken over the two years following the birth or adoption of a child.

"Many traditional parental leave policies don't treat people equally, including single parents, adoptive parents, and parents who use surrogates," the company's director of culture and engagement, Juliet Gorman, says. "While we recognize the unique toll of giving birth, we believe that all members of a family benefit from generous, inclusive leave."



See the rest of the story at Business Insider

The most expensive homes in every state

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tr. hawaii

What do a Nantucket home on the harbor, a Scottsdale mega-mansion, and a plantation in Mississippi have in common? They’re all the most expensive homes for sale on Trulia in their state (as of April 11, 2016) — and many of them do a superb job showcasing a unique real estate style that’s specific to each locale. 

From rustic 2,000-square-foot lodges in Alaska and Oregon to an uber-modern 10-bedroom spread on 2 acres in Los Angeles, CA, all you need is a generous mortgage lender (or a hefty bank account) to stake your claim on one of these stunners.

SEE ALSO: What the median rent in New York City buys you in 25 big US cities

Beachside beauty:29416 Canal Road, Orange Beach, AL 36561

$2.9 million, 7 bedrooms, 8 bathrooms, 10,580 square feet



Hidden Bay hideaway:Hidden Bay, Juneau, AK 99801

$4.75 million, 3 bedrooms, 3 bathrooms, 2,382 square feet



Sunset paradise:10696 E. Wingspan Way, Scottsdale, AZ 85255

$32 million, 8 bedrooms, 10 bathrooms, 29,700 square feet



See the rest of the story at Business Insider

These are all the planes in the US Air Force

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f22 yall

The US Air Force is the world's premier aerial power. 

With 39 distinct types of aircraft, and many more subvarieties of each airframe, it is easy to understand why the US Air Force has no peers. Each airframe is custom-made to carry out a select mission effectively, and each pilot knows their aircraft perfectly. 

Below are the 39 distinct types of aircraft that the US Air Force fields, according to the Air Force Fact Sheets

SEE ALSO: This chart shows the incredible cost of operating the US Air Force's most expensive planes

SEE ALSO: These are the most incredible photos of the US Air Force in 2015

A-10 Thunderbolt II

Mission: The A-10 is specifically designed to carry out close-air support at low altitude and low speed. The A-10 is built to be highly survivable and can takeoff and land in locations near to the front lines.

Source: US Air Force



AC-130

Variants: AC-130U "Spooky" and AC-130W Stinger II 

Mission: Both AC-130 variants are highly modified versions of the original C-130 airframe. The variants are both tasked with close-air-support missions, convoy escort, and point air defense.

Source: US Air Force



B-1B Lancer

Mission: The B-1B Lancer is the Air Force's bomber backbone. It has the largest payload capacity of any aircraft in the fleet, is multi-mission capable, and can carry and deliver huge quantities of both precision and nonprecision weaponry. 

Source: US Air Force



See the rest of the story at Business Insider

Ivana Trump shares her secrets to success

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Ivana and Ivanka trump

Ivanka may have officially coined the phrase #WomenWhoWork, but it’s her mother, Ivana, who first defined it.

In the 1980s, as a hands-on parent and highly successful professional, Ivana Trump defied the rules of the socialite scene by insisting on pursuing a demanding career, instead of filling her time with ladies' luncheons and shopping sprees.

“The 80s were the golden years,” Ivana recalls. “As a beautiful, very wealthy woman, there was a stigma that I was supposed to be home, to dress up for visitors, go to lunches, support charities here and there — but that was not all I was about.”

Ivana had three children in seven years, while simultaneously serving as President and CEO of Trump Castle Hotel & Casino in Atlantic City and later President of the Plaza Hotel in New York City. The Czechoslovakian native was a competitive skier with a master’s degree from Charles University in Prague.

Unlike many of the society wives in her social circle, Ivana was devoted to her career, working long hours with great energy and enthusiasm. “She has more energy in her pinky than most people have in their entire body,” Ivanka laughs.

Now fittingly known to her grandchildren as Glamma, Ivana owns two companies and is a best-selling author and international public speaker. She was in New York with Ivanka following the birth of baby Theodore, and shared her enduring advice on business, parenting and pulling it all together to make it work (really, really well).

SEE ALSO: What Donald Trump taught his daughter Ivanka about being an inspiring leader

1. Organization is the most important thing

I know what I’m doing months from now, besides my day to day appointments. As a mother and a professional, you have to be very organized. You have to have a schedule.

When my children were young, they’d wake up, we’d have breakfast together, I’d send them to their father’s office — 10 floors below my apartment — to say good morning to him; then, when they’d go to school and did not need me, I worked and did my own appointments.



2. To keep your children out of trouble, keep them busy

I was working during the day, so after school my kids did lots of activities. Ivanka studied ballet, Eric had painting lessons, they practiced all kinds of sports. In the evenings, we had dinner together and home school, then they’d go to sleep and I’d go off to different social and charity events.



3. Define success on your own terms

It’s about what you want to achieve. Set your goals, then have the discipline to achieve them. You must be competitive and try hard. If you do this, you can accomplish anything you want.



See the rest of the story at Business Insider

7 crazy video game controllers we can't believe people once thought were a good idea

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Steel Battalion

The video game controller, the main way we interact with games, hasn't changed much since the mid 1980's.

Analog sticks and triggers were added in the mid 1990's to accommodate the shift from 2D to 3D games, but that didn't replace the basic controller layout that came before, comprised of face buttons and a directional pad.

In a few cases, like with the popular "Dance Dance Revolution" or "Guitar Hero" franchises, peripheral controllers were created to better suit those games. 

History is littered with many more examples of companies conceiving of the next great way for us to play games — and then failing.

Here are eight examples: seven crazy designs trying to impact how we play, with an eighth controller attempting to give us a new place to play.

The Atari Mindlink

The Atari Mindlink never came out, but at the time of its development Atari promised that it would let you play video games with your mind. In reality, the Mindlink would translate movements made on your forehead into on-screen commands. Only six working prototypes were ever made, and they were demonstrated at the annual Consumer Electronics Show. Unfortunately those who used the Mindlink would get headaches, so it was scrapped before ever reaching the market.

 



The Fragmaster

RAW Embed

The Fragmaster is a great example of trying to combine two things that work perfectly well on their own — in this case a keyboard and mouse — and failing.  Instead of using a mouse, aiming required moving the entire Fragmaster around. Shooting or any other action was handled by pressing any of The Fragmasters buttons and triggers. In reality, mice offered greater precision, making the Fragmaster a poor choice for players of first person shooters, the demographic it was trying to appeal to in the first place.



The Resident Evil Chainsaw Controller

Like many peripherals, the Resident Evil chainsaw controller was a developed as a tie-in with a specific game, in this case "Resident Evil 4." While that game is regarded as one of the greatest of all time, the controller is an ergonomic nightmare. The two chainsaw handles are farther apart than the ends of a typical game controller, and the buttons are configured in an awkward position. Ultimately this controller works better as a prop than functional device.



See the rest of the story at Business Insider

6 tips for writing a cold email that actually gets opened

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laptopWhether you're job-hunting, launching a business or steadily employed, cold emailing — for better or worse — is a must-know skill.

A few smart entrepreneurs weigh in on how to write cold emails that people actually open.

SEE ALSO: Millionaire Ivanka Trump says following these 6 negotiation rules can get you anything you want

1. Simplify subject lines

Your subject line should both pique the reader's curiosity and provide practical information. "When people aren't busy, they're drawn in by subject lines that intrigue them," says Entrepreneur in Residence and Wharton professor Adam Grant. "But when they are busy, curiosity fades in importance; the emails that get read are the ones with practical subject lines."

For example, rather than saying "Amazing opportunity" (purely intriguing) or "Let's set up a meeting" (purely practical), say something like "Quick question to help us refocus our efforts," which incorporates a little bit of both.



2. Personalize it

"The kiss of death is a generic email where my name is in a different font and size than the following paragraphs," says Ivanka. "This happens more than you'd think — often for requests where someone is emailing their personal database and trying to personalize the message by adding my name and salutation of some sort. If a message has obviously been copied and pasted, it makes me want to delete it immediately." Add specific personal details, triple-check the spelling of the recipient's name — create an authentic connection with the person you're reaching out to.



3. Be upfront about your ask

"We emailed a handful of brands that we felt were really exciting to consumers," says Katia Beauchamp of her experience launching Birchbox. "We kept the ask super simple — we told them our idea and asked them to spend five minutes with us on the phone to hear about how we were going to re-imagine the beauty industry online." People are more inclined to answer your email if they know how much of their time and resources you're asking for right off the bat.



See the rest of the story at Business Insider

How to convince your boss that you should work from home

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laptop couch

It's happening. One friend after another is remarking on how he or she "worked from home" yesterday or is going to be "working remotely" on Wednesdays this summer.

They claim they get so much done, and it's a great way to mix up the office routine. Making calls is easier, and so is zoning out on tasks that require a ton of focus and not a lot of distraction.

Suddenly you wonder why you're not doing this on occasion or even regularly. Wouldn't your boss be all for it if she knew how much you'd accomplish? How insanely productive you'd be?

But how can you convince someone who thinks this is a foreign concept, best left for contract employees who don't actually live in the same state as the company? It may not be easy, but with a little finesse and a proven track record, you can make it happen.

Depending on the type of person you're dealing with and what his or her hesitations are, here are four ways to approach the often tricky subject.

SEE ALSO: How flexible work can help close the gender wage gap

If your boss really, really likes face-time

You have your twice-weekly one-on-ones, and aside from that, your boss prefers striking up a face-to-face conversation to chatting over Slack or on Gchat. He even ignores your headphones when he's got something to ask you. He values in-office time above all else, liking all team members present when they're on the office clock. Working remotely isn't something he cares to do, and so he can't understand why you'd want to do it either. This type of manager is going to take some convincing, but it's not a lost cause.

Because he likes in-person communication best, avoid emailing your request and instead initiate a face-to-face discussion. Say, "I wanted to run something by you. I wanted to see if you'd mind if I worked from home on occasion. Maybe every other Thursday to start and then if that goes well, on a weekly basis? I really value our chats about work projects throughout the day the day, so I'd make sure I'm still completely available — email, chat, phone. Let me know how that sounds and if we can test it out."

By stating your availability and flexibility (starting out slow and then establishing a regular pattern once he sees how well it's working out), you address his desire to get in touch with you at random and not just over email. It's unlikely that he'll start calling you every hour of every day that you work remotely, but giving him the options to get in touch however he prefers should at least put his mind at ease.



If your boss is suspicious

True story: I once had a colleague (not my boss, fortunately) who bluntly told me that she wouldn't allow her reports to work from home because she didn't "trust them." She didn't think they'd actually work. I shook my head and tried to convince her otherwise; they were adults, after all. Whatever assignments they had to complete, they'd get done — or face the consequences. How could she not realize this?

Unfortunately, I know she's not the only person to harbor suspicions about what her employees might do should they be given a little freedom every now and again. If this sounds like your boss, you're probably going to have to be explicit about what you intend to do while you're at home. Assume that there'll be lots of regrouping on the subject if it goes into effect. Send an email along these lines:

Hi [Name of Boss],

In the past when the subject of working for home has come up, I know you've expressed doubts about it working for your team. I want to do what I can to show you that working from home on occasion would actually enable me to be quite productive, in some ways, more so than being in the office. It's not something I'd want to do often — I genuinely enjoy being in house — but it is an option that I'd like to take advantage of sometimes.

Would you be open to me giving it a try? I'd be happy to have a couple of check-in calls throughout the day if that'd help. And, since it is a big adjustment, I could also be sure to let you know when I'm going offline, even if it's for 10 minutes to take the dog for a walk. Let me know what you think.

Thanks,
[Your Name]



If your boss micromanages

He likes knowing what you're doing when, and even though you don't share your computer screen with him (can you imagine!), since you work nearly side by side, he's got a good idea of your day-to-day. He knows that when he throws a new, urgent task your way, you're going to get it done ASAP. And then he figures he can expect you to complete the less timely project, sending it his way for approval as you've been doing since you started working together more than a year ago.

If he's not asking you for daily email updates, then he's sending you a list of what he wants you to get done before the EOD. You've gotten used to it and really like the job, so you've just accepted the fact that your boss is a micromanager, but you know it means your chances of WFH are slim to none. And yet, you're positive that having even one day a month away from the hectic office — and out of his laser gaze — would make you get your work done faster. How could anyone have a hard time accepting that?

Try starting with just one specific day so you don't scare him — the email looks like this:

Hi [Name of Boss],

I was hoping to speak to you about the possibility of working from home on Friday. I've got family coming into town that night, and if I can save myself the commute and get work done during that 90 minutes, I'm confident that would lead to a more productive day. Ideally, I'll even get an early start on [name of project].

Since we typically work so closely together and we wouldn't be able to physically do that on Friday, I thought the next best option would be to email at the end of the day with a list of my works in progress and what I plan to accomplish the following week? That way, if there are any loose ends or anything you want me to tackle first thing on Monday, you can be sure to let me know.

Best,
[Your Name]



See the rest of the story at Business Insider

This German company is that much closer to having air taxis

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Air taxis could be just a couple years away.

Germany company e-Volo created a multicopter called the Volocopter, and it could be the future of urban mobility. 

Volocopter

Scroll down for a closer look at the Volocopter.

SEE ALSO: 38 of the most hilariously awful texts people have gotten from their crazy neighbors

The electric Volocopter comes with 18 rotors and flies through the air extremely quietly. It can fit two people.



It's powered by six batteries that allow for 20 minutes of flight, but e-Volo is working to get that flight time up to an hour. It can take off and land vertically using a simple joystick.

Source: Gizmag



The Volocopter recently got a permit to fly in Germany to fly as an ultralight aircraft, allowing e-Volo to begin manned flight testing.



See the rest of the story at Business Insider

24 tricky job-interview questions the best companies in America are asking

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Mark Zuckerberg question mark

With excellent perks, great pay and benefits, and high job satisfaction, employees at this year's 50 best companies to work for in America seem to have a good thing going for them.

But before you start seething with envy, you should see some of the questions they had to answer to get there.

To find these difficult and sometimes odd queries, Business Insider sifted through hundreds of reviews on Glassdoor submitted by people who recently interviewed at the top companies.

If you're thinking of tossing your hat in the ring, be sure to prepare yourself for some real head-scratchers:

SEE ALSO: The 19 toughest interview questions you may have to answer if you want to work at Google, the best company in America

DON'T MISS: 5 reasons Google is the best place to work in America, and no other company can touch it

'If you could only choose one song to play every time you walked into a room for the rest of your life, what would it be?' —Google associate account-strategist candidate



'How many Big Macs does McDonald's sell each year in the US?' —Facebook data-scientist candidate



'If this wall was a brick wall, and you were a brick, where would you be in the wall? What impact does this have on the wall as a whole?' —Expedia market-associate candidate



See the rest of the story at Business Insider

Meet the all-woman team disrupting an antiquated financial industry

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Betterment for Business team

It's not often you come across an all-woman management team in business — or in tech. 

It's even less likely you'll find one that came together organically.

But that's the case for the robo-adviser Betterment's new 401(k) business line, Betterment for Business, which was built from the ground up by a group of five women.

"What I think is so cool about this is that this wasn't intentional," Jaime Strollo, the team's product design manager, told Business Insider.

Instead, she said, it was the result of a concerted effort by the company a couple of years ago to hire for diversity. Betterment launched an internal club for women, Women of Betterment, and an even more niche group for women within the technology division.

The fact that the company made that a priority a few years ago ultimately enabled the all-female Betterment for Business, or B4B, team to come together naturally, according to Strollo.

"Someone told me a long time ago, if you're at a company... and there's no one there that you want to be, it's time to move on," B4B's general manager, Cynthia Loh, said.

"So hopefully now we're working in a much more diverse environment where there are women you can aspire to be."

Betterment for Business launched in January to complement the company's existing retail and institutional business lines. The 401(k) platform offers automated advice and low fees.

After announcing the new line in September, Loh said, they were overwhelmed by interested clients and had to stop taking on new plans by November.

Their clients span everything from doctors' and lawyers' offices to other fintech startups. Boxed, Estimize, and Stocktwits were among B4B's first customers.

The majority of clients already had existing plans and have switched to B4B's platform. With Betterment's RetireGuide platform, individual customers can integrate their retail accounts with their 401(k)s and receive broader tailored advice.

"We're incorporating your taxable accounts, we're incorporating your external accounts, we have social security income, where you're going to live, your spouse's assets, your kids' — it's all in one place," Loh said. "So you're really getting advice from the whole picture."

Meet the women behind the push for innovation in the antiquated 401(k) business.

Cynthia Loh — General Manager

Loh is the general manager for Betterment for Business, which means she oversees everything from business strategy to sales and distribution models to product prioritization.

Before being hired in July to launch the new business line, Loh was the director of sales and business development at the healthcare tech startup ZocDoc. Prior to that, she worked for the investment management firm Pimco in New York.

"I think it's been really nice to be apart of a team where you see women helping women, which you don't necessarily see a lot of in tech or finance because there's not that many women," Loh told Business Insider. "Having come primarily from a finance background, it was primarily male-dominated, and I felt that much more."

Now that the B4B platform has launched, Loh said her main priority is managing expectations and dealing with customer demand.

"I think it's just ... making sure that the plan sponsors, the participants, everyone has a delightful experience with us," she said.



Alix Fitzgerald — Senior Product Manager

Fitzgerald started at Betterment as an intern on the operations team in 2012. She was later tasked with setting up Betterment's own 401(k) plan for employees.

"I saw how painful it was and how difficult it was to run, and so really had a sympathetic ear for it," she told Business Insider.

She joined the product team a year ago to help launch the B4B business line.

Now senior product manager for that team, Fitzgerald works with the engineering, design, business success, and customer experience teams to determine.

"What's the next most important thing that we can be building? How do we take feedback from employers and employees and incorporate that into our product? And really what does that product need to look like?" she explained to Business Insider.

As a former 401(k) customer on behalf of Betterment, Fitzgerald remembered other providers' websites as "explosions of information on a page."

She said it's crucial to keep a focus on the plan managers and what's most important to them — that is, "What they need to do to get the job done and then get out of there and go do the rest of their job. Because managing a 401(k) — that's not what you want to be doing all day," she said.



Amy Ouellette — Senior Business Success Executive

Ouellette joined Betterment for Businesses' team as senior business success executive in September.

A Wharton graduate, she's worked in the 401(k) and pension space for about 10 years, including at Multnomah Group and DWC ERISA Consultants.

At B4B, Ouellette primarily works with clients on compliance. Essentially, every 401(k) plan must go through some 25-30 regulatory tests to determine elements like whether employees or owners have over-contributed to plans.

Ouellette's team is bringing automation to that process to help reduce costs.

"Trying to avoid surprises is one of the biggest things," she told Business Insider.



See the rest of the story at Business Insider

Don't be fooled: Hulu and Amazon aren't a threat to Netflix

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The Netflix logo is shown in this illustration photograph in Encinitas, California October 14, 2014.   REUTERS/Mike Blake/File Photo

In the past five years, Netflix has established itself as the No. 1 streaming video service in the US — and around the world. In the domestic market, Amazon.com and Hulu are its biggest competitors.

Amazon and Hulu are both tweaking their business models to draw in more streaming video subscribers. However, their efforts aren't likely to put a dent in Netflix's leadership position.

Amazon creates a stand-alone video option

Five years ago, Amazon.com launched Prime Instant Video as an additional benefit for its Prime subscribers. Since then, it has rapidly grown its streaming video catalog and used it to sign up more people for Prime.

Indeed, streaming video has been just one of many ancillary services that Amazon has added to the Prime program above and beyond the core free shipping benefit. This has been good for the company, because Prime members tend to spend a lot more money on Amazon.com than non-members. At the same time, subscribers get a ton of value from their Prime subscriptions.

Nevertheless, many pundits have argued that Amazon should offer Prime Instant Video as a stand-alone Netflix rival to target people who aren't interested in the other Prime benefits. Last month, Amazon did just this. Customers can now subscribe to Prime Instant Video for $8.99/month: $1 cheaper than Netflix's most popular plan.



Hulu moves into live TV

Meanwhile, Hulu appears to be wading into the streaming live TV market, joining Dish Network's Sling TV service and Sony's PlayStation Vue. Hulu hopes to launch a streaming "skinny bundle" of live TV channels by early 2017, according to The Wall Street Journal.

This would continue a trend at Hulu to tack on other offerings beyond its bread-and-butter streaming video-on-demand service. For example, last summer, Hulu began selling streaming access to the Showtime premium network as an add-on.



Netflix doesn't mind

It's possible that these new offerings from Amazon and Hulu will be successful on their own terms. Regardless, they have little chance of disrupting Netflix's success.

Amazon's stand-alone Prime Instant Video has a very limited target market: people who don't want to commit to a full year or are too strapped for cash to pay up front. That's because the video-only subscription actually costs more than the full Prime subscription over the course of a year ($107.88 compared to $99)!

Meanwhile, Hulu's live TV service isn't likely to offer much more than the streaming live TV services already available. It will mainly compete with Sling TV and PlayStation Vue as well as traditional cable and satellite TV. Netflix has always positioned itself as a complement to cable TV, not just as a substitute.

More broadly, Netflix believes that multiple streaming video platforms will succeed, as all TV will move to the Internet over time. Since different services offer different content, Netflix expects many people to subscribe to more than one.



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Our favorite photos so far from the Giro d'Italia, the world's most beautiful bike race

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Marcel Kittel wins stage 2 Giro.JPG

The 99th edition of the Giro d'Italia started in the Netherlands on May 6, and we're following the race as it makes its way around Italy to the finish in Torino on May 29.

The Tour of Italy is the most beautiful big bicycle race in the world. Here's how you can watch the Giro online.

Scroll on to see some of our favorite pictures from this epic grand tour— and check back daily for updates.

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

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

This is the route for the 2016 Giro d'Italia, the 99th edition of the race. The riders will pedal about 2,150 miles in total.



Here's what the route looks like from the side.



The 99th Giro started with a presentation of the teams in Apeldoorn, Netherlands. This was the American squad Cannondale Pro Cycling.



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Here's what 70 years of US air superiority looks like - CLONE

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On March 5, Airmen from all over the US converged on Davis-Monthan Air Force Base in Arizona for the 20th annual Heritage Flight, showcasing 70 years of US air superiority.

The P-38 Lightnings, P-40 Warhawks, P-47 Thunderbolts, and P-51 Mustangs, that ruled the skies during World War II flew alongside the F-16s, F-22s, and the F-35 in this moving tribute to the US's military aviation.

"The best thing about being a part of Heritage Flight is the impact that is has on people when they see us at an airshow,” said Dan Friedkin, the founder of the Air Force Heritage Flight Foundation and demonstration pilot, Airman Magazine reports.

“The music, the sound of the airplanes, and the visuals, inspire great feelings. It makes people proud to be an American, proud of the US Air Force and happy to see others inspired.”

See the highlights of the flights below:

SEE ALSO: Step inside the cockpit of the US's most iconic war planes

The aircraft, old and new, have to be meticulously maintained by the airmen.



Fred Roberts, a 93-year-old, a World War II P-51 Mustang pilot who took it to the Luftwaffe, was a hit at the event. “I love joking with young pilots and talking about our ventures,” Roberts said. “It truly puts a visual to the lineage of the aircraft.”



Here's a view from inside the Mustang's cockpit with the pilot who flew in the Heritage Flight.



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It's incredible how much 'Uncharted' has changed over 10 years

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uncharted 4

"Uncharted 4: A Thief's End" is undoubtedly going to be remembered as one of the most gorgeous games of this generation.

The thing is, the same thing was said about every other "Uncharted" game that preceded it.

Let's take a look at just how much the series has progressed:

SEE ALSO: 38 of the most hilariously awful texts people have gotten from their crazy neighbors

"Uncharted: Drake's Fortune" vs. "Uncharted 4: A Thief's End"

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Drag the image sliders left and right to compare the original "Uncharted" game to "Uncharted 4: A Thief's End"

At the time, "Uncharted: Drake's Fortune" was at the cutting edge of the system's graphical capabilities. In his original review for Game Informer, Matt Helgeson said "Uncharted: Drake's Fortune" was one of the most gorgeous games he had ever seen, calling the graphical quality "almost photorealistic."

Now, it almost looks cartoony and simplistic compared to "Uncharted 4: A Thief's End."



"Uncharted 2: Among Thieves" vs. "Uncharted 4: A Thief's End"

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Drag the image sliders left and right to compare the second "Uncharted" game to "Uncharted 4: A Thief's End"

Again, "Uncharted 2: Among Thieves" was universally praised by critics at the time of its 2009 initial release for its top-of-the-line graphics. Chris Roper's review in IGN said its visuals "rank amongst the best in gaming."

The big takeaway, in addition to just how much "Uncharted" has progressed in such a short amount of time, is that we always think the latest iteration of a game is the best it will ever look.

It's pretty difficult to imagine "Uncharted 4: A Thief's End" looking any better, but if there's one thing we've learned from the history of the franchise, progress is inevitable.



"Uncharted 3: Drake's Deception" vs "Uncharted 4: A Thief's End"

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Drag the image sliders left and right to compare the third "Uncharted" game to "Uncharted 4: A Thief's End"

Speaking about "Uncharted 3: Drake's Deception,"Justin Richmond, game director, said, “We were, at any given point, using 100% [of the PlayStation 3’s power]. We were using everything we possibly could."

If anything, the beauty of "Uncharted 4: A Thief's End" speaks as much to the added power of the PlayStation 4 relative to the PlayStation 3 as it does to Naughty Dog's ability to push the tech as far as it can possibly go.



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6 steps I took to get myself to go to the gym in the morning

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I’m not a morning person.

If I had my druthers, I would sleep in until 11 a.m. every day, but over the past month, I’ve been waking up at 6 a.m. to go to the gym before work.

Motivated by frustration with myself for skipping the gym to go to dinners and work happy hours, I decided I’d go to the gym in the morning so I'd have no more excuses.

How hard could it be?

Very, it turns out. But there were a few things I learned from trial and error that have kept me going again and again.

Here are six things to try if you want to go to the gym in the morning.

 

 

 

 

 

 

SEE ALSO: 10 morning habits the most well-balanced people share

1. Prepare everything the night before

Before I go to bed, I pack everything I want to wear the next day in my gym bag and lay out my exercise clothes and sneakers to wear the next morning.

Packing away my work outfit forces me to take the extra step of removing from my gym bag if I don’t make it to the gym. It’s a small step that’s just annoying enough to incentivize me to just throw on my workout gear and head to the gym.

Plus, if you already know what you’re going to wear the next day, it will save you time rummaging through your closet.



2. Set your alarm for earlier than you need to wake up

I’m convinced sleeping in and snoozing your alarm is one of life’s greatest pleasures. Because I know that it takes me about two tries before I actually get out of bed, I set my alarm even earlier than I need to so I still feel like I’m sleeping in.

Though I realize that it’s not technically sleeping in if you’re still waking up at the right time, I find I can lie to myself more easily when I’m drowsy in the morning and feel like I’m still getting some extra shut eye.



3. Find your motivation

Going to the gym every day is all about finding the right motivation. For some people, that might be trying to hit a goal weight, fit into a certain item of clothing, or look great naked.

For me, it’s avoiding New York City’s packed 6 train at 8:30 a.m., aka the time I would normally be trying to head in to the office.

Because the gym I go to is a few blocks away from my office building, I take an earlier train, which is mercifully free of people. I even get a seat!

Whenever I’m feeling really unmotivated, I picture crowds of commuters crammed into the 6 train and usually find the willpower to get out of bed.



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A timeless 6-step guide to getting rich, according to a 79-year-old personal finance classic

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wealthy

Nearly a century ago, journalist Napoleon Hill set out to uncover the key to wealth. He studied more than 500 self-made millionaires over a span of 20 years, and his research culminated in what would become a timeless personal finance classic: "Think and Grow Rich."

He boiled down 13 steps anyone can take to get rich, the first, most important step being desire. As Hill wrote, "All achievement, no matter what may be its nature or its purpose, must begin with an intense, burning desire for something definite." 

In one passage, he sums up six "definite, practical steps" to turning a desire for wealth into "its financial equivalent."

Lucky for you, "The steps call for no 'hard labor,'" Hill emphasizes. "But the successful application of these six steps does call for sufficient imagination to enable one to see and to understand that the accumulation of money cannot be left to chance, good fortune, and luck."

Here is Hill's 6-step guide, in his words and ours:

SEE ALSO: 78 years ago, a journalist studied 500 rich men and boiled down their success into 13 steps

Establish precise wealth goals 

"First. Fix in your mind the exact amount of money you desire," Hill writes. "It is not sufficient merely to say 'I want plenty of money.' Be definite as to the amount."

Action step: The first step to achieving anything is to figure out exactly what it is you're after. Visualize a savings goal with a specific price tag. It could be a vacation home, more wealth, graduate school, or being able to travel.



Commit to pursuing your goals relentlessly

"Second. Determine exactly what you intend to give in return for the money you desire," Hill writes. "There is no such reality as 'something for nothing.'"

Action step: As Hill emphasizes, "Wishing will not bring riches." You have to commit to attaining wealth, which takes precise goals, sacrifice, a lot of effort, and persistence in the face of failure.

"Thomas Edison dreamed of a lamp that could be operated by electricity," Hill points out. "And despite more than ten thousand failures, he stood by that dream until he made it a physical reality. Practical dreamers do not quit!"



Set a time frame to achieve your goals

"Third. Establish a definite date when you intend to possess the money you desire," Hill writes.

Action step: Come up with a finish line for your wealth and money goals. Be realistic when setting a time frame to attain these goals, but at the same time, think big and don't be afraid to challenge yourself, encourages self-made millionaire T. Harv Eker.



See the rest of the story at Business Insider
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