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Save 40% on Ralph Lauren, Madewell, and The North Face — plus 5 other sales and deals happening now

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We rounded up the eight best sales and deals happening online today, with savings at Ralph Lauren, Best Buy, Madewell, and Casper. For even more deals and savings across the web, check out Business Insider Coupons.

Ralph Lauren

1. Save an extra 40% on sale styles at Ralph Lauren

Ralph Lauren is having a huge summer sale now through August 1 with an extra 40% on already reduced sale styles — just use the promo code "SUMMER" at checkout. In addition to clothes, shoes, and accessories for the entire family, the sale also includes select home goods. Visit Business Insider Coupons for the most up-to-date sales and deals at Ralph Lauren.

Shop the Ralph Lauren sale now

Best Buy

2. Get huge savings on TVs, computers, and other tech at Best Buy

As part of Best Buy's Black Friday in July sale, you can save big on tech across all categories — from computers and TVs to smart home devices, cameras, and appliances. The sale runs until tomorrow, July 27, so don't wait too long to check out the deals. Visit Business Insider Coupons for the latest sales and deals at Best Buy

Shop the Best Buy sale now

amazon magazine subscriptions

3. Get digital magazine subscriptions from $3.75 a year on Amazon

With digital magazine subscriptions, you can read all of your favorite publications from your Kindle or smartphone while on the go. Today only, you can get select subscriptions on publications like Reader's Digest for $3.75 a year on Amazon. To put that into perspective, that's just $0.37 per issue.

Shop digital magazine subscriptions on Amazon now

Greats

4. Save up to $70 on select sneakers at Greats

Founded in Brooklyn and manufactured in Italy, Greats is a premium yet affordable sneaker startup that makes classic footwear. A part of the brand's summer clearance sale, you can save up to $70 on select sneakers for men and women. With most sneakers originally priced at $179, the sale brings them down to $109.

Shop the Greats sale now

The North Face

5. Save up to 40% on The North Face at Backcountry

For a limited time, you can save up to 40% on select styles from The North Face at Backcountry. From hoodies and fleeces to swimming trunks and hiking shoes, the sale has a solid range of styles that you can wear now and others that'll be good to have on hand as the weather cools down.

Shop the Backcountry sale now

Madewell

6. Save an extra 40% on sale styles at Madewell

J.Crew's popular sister site Madewell is a dependable place to find stylish women's apparel, from workwear basics to more casual pieces like jeans, T-shirts, hoodies, and dresses. Now through July 29, you can save an extra 40% on sale styles by using the promo code "VERYRARE" at checkout. Usually Madewell's sale-on-sale discounts max out at 30% off, so it may be a while until you see another discount this significant. Visit Business Insider Coupons for sale and deals at Madewell.

Shop the Madewell sale now

Boxed_Kitchen.0

7. Save 20% on your order at Boxed

Boxed is a new startup that's changing the way people buy in bulk. Unlike other wholesale stores, there's no membership fee and you won't need to go to store to shop, but you will have to sign up with your email address. Right now, you can use the promo code "LUNCHBOX20" to save 20% on your order. Whether you're shopping for your home pantry or a busy office with a lot of employees, you'll find Boxed to be very useful. For more deals and savings at Boxed, visit Business Insider Coupons here.

Shop the Boxed sale now.

Casper

8. Save 10% on any order with a mattress at Casper

Leading mattress startup Casper is having a big sitewide sale. Until July 29, you can save 10% on any order with a mattress by using the promo code "SLEEPCOOL" at checkout. Casper also makes sheets, pillows, bed frames, and even nightstands, so it's possible to save on all the essentials for your bedroom at once. Visit Business Insider Coupons for the latest promotions at Casper

Shop the Casper sale now

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31 great Netflix shows you might have missed but should definitely watch

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Emma Stone Maniac Annie Netflix show

Even if you love Netflix, you probably haven't seen some of its best shows. There are a bunch of other shows that might have slipped under your radar, and INSIDER collected 31 of our favorites.

Keep reading to see all the best Netflix original shows you might have overlooked. We've included the Rotten Tomatoes critics' score for each show, as well as the year they debuted.

Carrie Wittmer contributed to a previous version of this article.

SEE ALSO: INSIDER Entertainment is on Facebook

"The End of the F***ing World" (2018)

Critic score: 98%

Netflix description: "A budding teen psychopath and a rebel hungry for adventure embark on a star-crossed road trip in this darkly comic series based on a graphic novel."

Why you should watch it: It makes a psychopath sympathetic in a new way that doesn't feel desperate. It's nihilistic, but still remains charming and romantic. Plus, the episodes are really short. 



"Santa Clarita Diet" (2017)

Critic score: 75%

Netflix description: "They're ordinary husband and wife Realtors until she undergoes a dramatic change that sends them down a road of death and destruction. In a good way."

Why you should watch it: Drew Barrymore eats people, and her chemistry with Timothy Olyphant ("Deadwood," "Justified") is sparkling. It's also a clever satire of suburban life. 



"Bloodline" (2014)

Critic score: 57%

Netflix description: "When the black sheep son of a respected family threatens to expose dark secrets from their past, sibling loyalties are put to the test."

Why you should watch it: The cast, from Kyle Chandler to Linda Cardellini to Ben Mendelsohn, brings life to the otherwise predictable family drama. 



"Ozark" (2017)

Critic score: 64%

Netflix description: "A financial adviser drags his family from Chicago to the Missouri Ozarks, where he must launder $500 million in five years to appease a drug boss."

Why you should watch it: The premise is similar to "Breaking Bad" and Jason Bateman delivers a great performance as a guy who launders money for a drug dealer. 



"Everything Sucks!" (2018)

Critic score: 70%

Netflix description: "It's 1996 in a town called Boring, where high school misfits in the AV and drama clubs brave the ups and downs of teenage life in the VHS era."

Why you should watch it: Most of the episodes are only 20 minutes, and it brings a compelling emotional story into the 90s nostalgia.

Read more: The 16 best '90s songs featured on Netflix's 'Everything Sucks!'



"Dark" (2017)

Critic score: 84%

Netflix description: "A missing child sets four families on a frantic hunt for answers as they unearth a mind-bending mystery that spans three generations."

Why you should watch it: It's a slow burn, but it's worth sticking to because it expertly weaves tension into the sci-fi noir world. 



"One Day at a Time" (2017)

Critic score: 98%

Netflix description:"In a reimagining of the TV classic, a newly single Latina mother raises her teen daughter and tween son with the 'help' of her old-school mom."

Why you should watch it: It's positive, funny, smart, culturally relevant, and isn't afraid to take on dramatic material.

Read more:All the TV shows that are ending or have been canceled in 2019



"Big Mouth" (2017)

Critic score: 100%

Netflix description: "Teenage friends find their lives upended by the wonders and horrors of puberty in this edgy comedy from real-life pals Nick Kroll and Andrew Goldberg."

Why you should watch it: It's as vulgar as it is adorable, and will remind you of your experience with puberty, but not in a bad way. It will make you feel less alone knowing that a lot of people had the same experiences. 



"Collateral" (2018)

Critic score: 71%

Netflix description: "Investigating the murder of a pizza delivery man, a London detective uncovers a tangled conspiracy involving drug dealers, smugglers and spies."

Why you should watch it: It is a thriller combined with biting political commentary, and a stunning performance from Carey Mulligan. 



"Seven Seconds" (2018)

Critic score: 76%

Netflix description: "The death of a 15-year-old African American boy in Jersey City sets off a police cover-up and a search for the truth."

Why you should watch it: It's a brutal watch, but an important reflection on race and the flawed justice system. 



"Atypical" (2017)

Critic score: 76%

Netflix description: "When a teen on the autism spectrum decides to get a girlfriend, his bid for more independence puts his whole family on a path of self-discovery."

Why you should watch it: It has great performances and a realistic representation of autism, which is not an easy feat.



"Salt Fat Acid Heat" (2018)

Critic score: 100%

Netflix description: "Master these four elements, master the kitchen. Based on Samin Nosrat's best-selling book, Salt, Fat, Acid, Heat is the essential guide to the basic elements of good cooking."

Why you should watch it: Samin Nosrat takes the well-tread premise of a food documentary and breathes new life into it with her contagiously joyful personality and educational approach.



"Mindhunter" (2017)

Critic score: 96%

Netflix description: "In the late 1970s two FBI agents expand criminal science by delving into the psychology of murder and getting uneasily close to all-too-real monsters."

Why you should watch it: It's a slow-paced but thrilling psychological drama and crime procedural that completely reinvents what a procedural can be.



"Sense8" (2015)

Critic score: 81%

Netflix description: "From the creators of 'The Matrix' and 'Babylon 5' comes this tense series in which eight people can telepathically experience each other's lives."

Why you should watch it: It's visually stunning and focuses on diverse characters from many different backgrounds. 



"3%" (2016)

Critic score: 83%

Netflix description: "In a future where the elite inhabit an island paradise far from the crowded slums, you get one chance to join the 3% saved from squalor."

Why you should watch it: It's a skillful character study in a dystopian setting, which is good because most dystopian stories focus on the setting over the characters. 



"Castlevania" (2017)

Critic score: 85%

Netflix description: "A vampire hunter fights to save a besieged city from an army of otherworldly beasts controlled by Dracula himself. Inspired by the classic video games."

Why you should watch it: The animation is exquisite, and the season is really short. 



"On My Block" (2018)

Critic score: 100%

Netflix description: "In a rough inner-city Los Angeles neighborhood, four smart, funny and streetwise teens find their lifelong friendship tested as they begin high school."

Why you should watch it: Both funny and heartbreaking, it focuses on an underrepresented community (especially when it comes to shows for teenagers). 



"Russian Doll" (2019)

Critic score: 96%

Netflix description: "Nadia keeps dying and reliving her 36th birthday party. She's trapped in a surreal time loop — and staring down the barrel of her own mortality."

Why you should watch it: "Russian Doll" is bleak and hilarious, melancholy and silly, and all fantastically brought to life by Natasha Lyonne.



"Maniac" (2018)

Critic score: 84%

Netflix description: "Two struggling strangers connect during a mind-bending pharmaceutical trial involving a doctor with mother issues and an emotionally complex computer."

Why you should watch it: With an incredible ensemble cast and a gorgeously unique imagining of an alternate future, "Maniac" is one of the most fun and poignant sci-fi shows ever made.



"She's Gotta Have It" (2017)

Critic score: 88%

Netflix description: "Nola Darling struggles to stay true to herself and her dreams while juggling three lovers in this Spike Lee series based on his breakout film."

Why you should watch it: It's a fun, feminist reinvention of Spike Lee's first big movie. 



"Godless" (2017)

Critic score: 88%

Netflix description: "A ruthless outlaw terrorizes the West in search of a former member of his gang, who's found a new life in a quiet town populated only by women."

Why you should watch it: It was made to binge, and embraces every Western cliche in a good way.



"Anne with an E" (2017)

Critic score: 88%

Netflix description: "A plucky orphan whose passions run deep finds an unlikely home with a spinster and her soft-spoken bachelor brother. Based on 'Anne of Green Gables.'"

Why you should watch it: It's a sophisticated modern twist on a classic character.



"Love" (2016)

Critic score: 94%

Netflix description: "Rebellious Mickey and good-natured Gus navigate the thrills and agonies of modern relationships in this bold comedy co-created by Judd Apatow."

Why you should watch it: It's a love story that every millennial can relate to in some way, and Judd Apatow's presence is felt in its gross humor and sentimentality. 


"Glow" (2017)

Critic score: 95%

Netflix description: "In 1980s LA, a crew of misfits reinvent themselves as the Gorgeous Ladies of Wrestling. A comedy by the team behind 'Orange Is the New Black.'"

Why you should watch it: It's hilarious, inspiring (but not in a cheesy way), and filled with complicated women as well as references to the 80s, in a less on-the-nose way than "Stranger Things."



"The OA" (2016)

Critic score: 84%

Netflix description: "From Brit Marling and Zal Batmanglij, the visionary filmmakers behind 'Sound of My Voice' and 'The East,' comes a powerful, mind-bending tale about identity, human connection and the borders between life and death."

Why you should watch it: "The OA" is one of the most unique and compelling shows on Netflix right now. You'll need to sink into a world of interdimensional travel and outcasts, but the sometimes-uncomfortable journey is well worth it.

Read more: 'The OA' went to incredible lengths to find one of its most memorable characters



"Easy" (2016)

Critic score: 97%

Netflix description: "Features eight vignettes that follow the complicated, loosely connected lives of young Chicagoans in their twenties and thirties as they tackle love, sex and self-improvement."

Why you should watch it: It explores relationships from a modern lens in a truly unique but very realistic way.



"Lady Dynamite" (2016)

Critic score: 97%

Netflix description: "Comedian Maria Bamford stars in a series inspired by her own life. It's the sometimes surreal story of a woman who loses — and then finds — her s**t.

Why you should watch it: It sweetly showcases Maria Bamford's talent. Her strange but brilliant perspective is a perfect foil for her comedic style. 



"Alias Grace" (2017)

Critic score: 99%

Netflix description: "In 19th-century Canada, a psychiatrist weighs whether a murderess should be pardoned due to insanity. Based on Margaret Atwood's award-winning novel."

Why you should watch it: It dives deep into how gender, social status, and mental illness were treated in the past, and how it can affect people to this day.



"Dear White People" (2017)

Critic score: 100%

Netflix description: "Students of color navigate the daily slights and slippery politics of life at an Ivy League college that's not nearly as 'post-racial' as it thinks."

Why you should watch it: It's sharp social commentary that will make you think just as often as it will make you laugh. 



"American Vandal" (2017)

Critic score: 97%

Netflix description: "A high school is rocked by an act of vandalism, but the top suspect pleads innocence and finds an ally in a filmmaker. A satirical true crime mystery."

Why you should watch it: It's a poignant and funny reflection on true-crime entertainment, social media, and teen culture.



"Sex Education" (2019)

Critic score: 90%

Netflix description: "Channeling his sex therapist mother, inexperienced teen Otis decides to set up a sex therapy clinic at school for the hopeless students of Moordale High. Get ready for love, laughs, lube, and the best time of their lives." 

Why you should watch it: Heartfelt, raunchy, sex-positive, and just overall enjoyable, "Sex Education" is a must-see Netflix show.



This insulated travel mug is completely leak-proof so your coffee will never spill in your bag — and it's under $20

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contigo

  • Travel mugs are great in theory, but many are prone to spilling, leaking, or not actually keeping things hot, or cold, enough. 
  • The Contigo Autoseal West Loop Travel Mug ($15-$25 at Amazon, price varies by color and size) automatically closes, is spill-proof and leak-proof, and keeps drinks hot for up to five hours, making it an affordable and convenient buy that also provides some peace of mind.
  • It is our top pick for the best travel mug in our buying guide, and after using it myself, I couldn't agree more. 

I love a warm beverage in the morning. Whether it's a freshly brewed coffee, steeped tea, or just some hot water with lemon, sitting down and enjoying a warm drink has become somewhat of a morning ritual — even in the heat of summer. The problem is, most mornings I don't have time to actually sit down and sip, so I'm forced to choose — relinquish the ritual or take it on the go. 

In the past, I would just pour my drinks into any old travel mug and hope for the best; my wishful thinking was often met with leaks, spills, and hot coffee that went cold too soon. I quickly realized not all travel mugs are created equal.

With so many options out there, it's a good idea to consider factors other than just aesthetics. Think about your lifestyle. Do you want to just throw your mug in your backpack for later? Will you need something with a handle to grip onto while you're commuting on the subway? Do you want something to keep in your cupholder for road trips and morning rides to work? 

Whatever your needs, there is definitely a travel mug to fit them. But, if you want just one mug that can do it all — and for a great price — you need the Contigo Autoseal West Loop Travel Mug

The details of the Contigo Autoseal West Loop Travel Mug

The Contigo Autoseal West Loop may look like your average stainless steel travel cup, but its smart features make it a superior, albeit affordable, option.

As the name suggests, the main draw to this mug is its Autoseal technology. Simply press the Autoseal button to take a sip and let it go when you're done; it'll reseal automatically. A spill-proof and leak-proof seal ensures you'll never have to deal with the frustration of spilling hot coffee on your clean pants while driving to work or finding dribbles on your homework after tossing your mug in your backpack. There's also a lock right above the Autoseal button, so you can lock the bottle and make sure it's never accidentally popped open. You can even add accoutrements, like a tea infuser accessory, to make your bottle even more suited to your needs. 

Insulated stainless steel will keep your hot beverages hot for up to five hours, and your cold beverages cold for up to 12. The cup is pretty low-maintenance — you can throw the lid in the dishwasher for easy cleaning, but the body needs to be hand washed.

With 16-, 20-, and 24-ounce options in a variety of colors, there is something for everyone.

contigo autoseal west loop

My experience

While I like to sit down on quiet mornings with a mug of hot tea or coffee, on busy mornings all bets are off. I rush, throw my things haphazardly into a bag, and run off to wherever I'm going. I've used other travel mugs that say they'll stay sealed, and trusting these promises I've put them in my bag just to find coffee stains on my notebook once I got to work. I almost gave up on travel mugs until I came across this one from Contigo at my childhood home. Hidden in the back of a cabinet filled with water bottles, was this glimmer of hope that I could have a hot cup of coffee to wake me up on my way to my summer internship. 

After it sustained a long car ride, potholes included, without leaking even a drop of coffee, I knew this mug was a keeper. The Autoseal is legit; it really provides a tight seal and I haven't dealt with any leaks or spills. I typically will lock it if it's getting thrown in a bag, just so none of my other items accidentally press the Autoseal button. I appreciate the peace of mind I get from knowing I don't have to constantly look into my backpack to make sure my mug isn't toppled over and leaking all over my belongings. The automatic aspect means you'll never forget to close the lid; it's already done for you. I haven't had any problems with my things staying hot or cold. In my opinion, you can't beat the peace of mind, convenience, and affordability of this product. 

The bottom line

The Contigo Autoseal West Loop is our team pick for the best travel mug you can buy, and for good reason. It checks off just about every must-have. It keeps drinks hot — or cold — for hours. It doesn't leak or spill, even when carelessly thrown into a bag. It fits in most car cupholders and you only need one hand to operate it and get a sip. You can even add a compatible infuser for making freshly brewed teas. It may not be perfect but for just $25 or less, it's a great purchase.

Get the Contigo Autoseal West Loop Travel Mug for around $15-$25 at Amazon; price varies by color and size. 

Join the conversation about this story »

5 steps you can take now to avoid going broke in retirement

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social security retirement

Retirement is filled with uncertainty. Some retired people have costly unforeseen health issues, while others outlive their financial benefits completely. 

Specifically, there's a lot that can go wrong with your financial standing while in retirement. Business Insider spoke with financial experts who specialize in retirement to learn what you can do now to avoid a financial crisis in your retirement. 

Consider taking the following five steps to avoid going broke later in life. 

Firstly, create a realistic retirement income plan. 

Poor planning and overspending are the fastest ways to go broke in retirement. Dana Anspach, founder and CEO of Sensible Money, said you must create a retirement income plan so that you're financially prepared. To create this plan, you must ask yourself a few questions.

"How much will you get from Social Security, pensions, annuities, or rental income?" Anspach told Business Insider. "How will you supplement that with withdrawals from your savings and investment accounts? How will you monitor your plan, so you know you aren't withdrawing so much that you are running the risk of coming up short later?"

While these questions may be hard to answer for most 20 and 30-year-olds, it's important to at least consider them early in your career. On the other hand, people closer to retirement must know the answers to the questions before making the lifestyle change. 

If you can answer these questions before retirement, you'll be better off financially later in life. 

Next, start saving 10% of your income immediately. 

Anspach goes on to say that everyone should save at least 10% of their income. The younger you start this practice, the more financially sound you'll be in retirement. She said she understands that most people don't start saving for retirement until later in life, so many should consider saving a higher percentage. 

"A 30-year-old making $40,000 a year and planning to work until age 66 may only need to save 10% of their income to maintain a $40,000 a year lifestyle into retirement," Anspach told Business Insider. But on the other hand, "A 45-year-old making $200,000 a year may need to save 30% or more of their income each year if they want a reasonable chance at maintaining their same standard of living in retirement."

Read more: How much Social Security will I get? Find out with a free tool that only takes seconds to find

You should consider delaying your Social Security benefits. 

The retirement age to receive your full social security benefits is 66, but some retire before that age and opt for early retirement benefits. Ben Storey, the director of Retirement & Personal Wealth Solutions Office of Thought Leadership at Bank of America, told Merrill that people should consider delaying their benefits instead.

"As most people know, the longer you wait to begin taking benefits, the greater the monthly amount you receive," Storey said. "That's especially significant should you live a very long life. And because market interest rates are still quite low today, allowing the government to keep your money longer could potentially provide a higher return than you could get from most fixed-income investments."

Invest your time in a side hustle. 

Another way to increase your income in retirement is to take up a side hustle in your 30s and 40s. Some people who have taken on a part-time job increased their annual income by $1,000 to $30,000.Ken Steiner, a fellow of Society of Actuaries who runs How Much Can I Afford to Spend in Retirement, told Business Insider this extra cash can go straight into your retirement fund, but he does have a warning.

"The best approach is to stay fully employed if that is not too painful because you can continue to save and you will defer commencement of your Social Security benefit," Steiner said.

Finally, meet with a financial advisor. 

Meeting with a financial advisor early in your career can pay off later in retirement. 

"The most important issue to discuss with a planner earlier in one's career would be how to save for retirement. There are a number of important decisions that can be made," Dirk Cotton, financial expert and Retirement Cafe blogger, told Business Insider. "A planner can explain the time value of money, the power of compounding interest and the notion of human capital. These are critical to finding the right path to funding retirement."

Join the conversation about this story »

NOW WATCH: 7 lesser-known benefits of Amazon Prime

More couples are taking on debt to have Instagram-worthy weddings. Here's how much it costs to get married in the US

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married wedding

Weddings don't come cheap.

In fact, weddings are so expensive that 28% of couples around the world go into debt to pay for them, reported Business Insider's Erin McDowell, citing WeddingWire's 2019 Global Wedding report.

In the US, the average cost to get married is $38,700, according to WeddingWire's 2019 Newlywed report, which looked at data from more than 18,000 US-based newlyweds who got married in 2018. The ceremony and reception takes up a huge chunk of that, at $29,200.

Here's a brief look at how that total breaks down:

    • Officiant: $300
    • Cake and desserts: $550
    • Invitations/stationery: $550
    • Lighting and décor: $1,400
    • Dress: $1,700
    • Flowers: $1,800
    • Photography: $2,400
    • Band: $3,900
    • Catering: $6,700
    • Venue: $9,000

And that's not even all of it — that's just looking at ten of the most popular ceremony and reception staples.

Another factor to keep in mind is that your wedding cost is likely to vary depending on your location — in the New York City metro area, the average wedding cost is $50,000, but in Cleveland, Ohio, it's $22,000, according to WeddingWire.

The costs don't end there

The breakdown above doesn't count two other common, wedding-related costs: the engagement ring and the honeymoon, which, according to WeddingWire, clock in at an average of $5,000 and $4,500 respectively.

Read more: 7 ways millennials are changing marriage, from signing prenups to staying together longer than past generations

Jeffra Trumpower, creative director of WeddingWire, previously told Business Insider that the honeymoon is about 11.6% of the average couple's total budget in the US. Likewise, wedding planner Tyler Speier told Business Insider he recommends that couples set aside anywhere from 10% to 15% of their wedding budget for their honeymoon.

Regardless of what you spend on your wedding from beginning to end, it can always get more expensive if you fall victim to the pressure of having an "Instagram-worthy" wedding. Online lenders told The Washington Post they're issuing up to four times as many wedding loans as they did a year ago as millennial couples try to have their dream wedding, reported Business Insider's Mary Hanbury.

You might also end up paying more if you're one of the growing number of couples having multiple wedding ceremonies, which can exceed $100,000 when all the costs are added up.

And if you're thinking about getting married and buying a house in the same year— two life milestones that have traditionally gone hand in hand — be prepared to spend upwards of $50,000 in most major US metro areas.

See the full wedding cost breakdown at WeddingWire »

SEE ALSO: A recent survey found that a third of wedding party members go into debt for their friends' weddings

DON'T MISS: Couples are dropping up to $100,000 on multiple wedding ceremonies — and that's just one way they're breaking marriage traditions

Join the conversation about this story »

NOW WATCH: 7 lesser-known benefits of Amazon Prime

The incredible life of Roger Federer, the highest-paid tennis player in the world

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Roger Federer of Switzerland poses for a photo on the black court at La Rotonde ahead of The Laver Cup Press Conference on February 08, 2019 in Geneva, Switzerland. (Photo by Christopher Lee/Getty Images for The Laver Cup)

  • Roger Federer, now 37, is still winning trophies.
  • The tennis star won his first Grand Slam at Wimbledon in 2003 — his first of a record 20 Grand Slam singles titles.
  • He's also the highest-paid tennis player in the world, with an estimated net worth of $450 million.
  • While Federer's competition winnings are significant, the majority of his earnings come from lucrative sponsorship deals with the likes of Rolex, Mercedes, and Uniqlo.
  • Read on to find out how he spends his enormous wealth.
  • Visit Business Insider's home page for more stories.

At 37 years of age, Roger Federer is still playing some of the best tennis of his career, and turning it into tournament trophies.

The former world number one is one of the most successful players of all time. He has won the men's singles tournament at Wimbledon alone eight times since 2003, as well as 20 Grand Slam singles titles all over the world.

Federer is not only one of the most talented athletes on the planet, but also the most profitable. Forbes named him the world's highest-paid tennis player in 2018, earning $77.2 million (£58.3 million) from professional wins and sponsorship deals with companies from Rolex to Credit Suisse.

Read more:The most expensive watches worn by 21 of the world's most elite athletes

That figure is only likely to go up, as the Swiss star signed a $300 million sponsorship deal with Japanese clothing brand Uniqlo last July.

From tailored tennis rackets to Swiss mansions, here's how Federer makes and spends his fortune.

SEE ALSO: Everything tennis icon Roger Federer eats and drinks for breakfast, lunch, and dinner

This is 37-year-old Roger Federer, the highest-paid tennis player in the world. He has an estimated net worth of $450 million.

Source: Celebrity Net Worth.

 



Federer has been a force to be reckoned with on the hard courts this year, winning the Dubai Championships, the Miami Open, and reaching the final of Indian Wells. He's risen from seventh in February back up to third in the ATP world rankings.

Source: ATP.



He's not too interested in his current ranking, though. "For me, the ranking, at 37 years old, is no longer really the priority," Federer said at a media event earlier this year. Instead, he's focusing on his health and winning the big tournaments, which might mean skipping smaller events here and there.

Read more:Roger Federer is sliding down the world tennis rankings, but there's a very good reason why he won't care



His success trails back to the age of eight, when he started playing tennis. Born in Basel, Switzerland, on August 8, 1981, his Swiss father, Robert Federer, and South African mother, Lynette Du Rand, encouraged him to play from an early age.

His parents both worked for the same pharmaceutical company.



At 14, Federer became the national junior champion in Switzerland. He joined the junior tennis circuit in 1996, and won the junior Wimbledon title in 1998. In this photo, from Wimbledon 2000, he is 19 years old.

Source: Biography.com



Federer's big break came in 2003, when he won his first Grand Slam title at Wimbledon against runner-up Mark Philippousis. He was just 21 at the time. He received £575,000 ($714,460) for his victory.

Source: British Tennis.



One year later, he signed a sponsorship deal with watchmaker Maurice Lacroix. Later, Rolex struck an endorsement deal with Federer worth a reported $15 million. Here he is wearing an impossible-to-find, $14,000 Rolex Sky-Dweller back in 2018. Perks of being an ambassador.

Roger Federer is one of Rolex's best-known ambassadors, and you won't see him lifting a trophy without one of the luxury watches on his wrist, each of them hand-picked to match the tournament.

Read more:The most expensive watches worn by 21 of the world's most elite athletes

Source: Bob's Watches.



The majority of his $77 million income is thanks to endorsement deals and partnerships, which he is known for across the globe. He's won $3 million in prize money from tennis tournaments in 2019, bringing his career total prize winnings to more than $123 million.

Sources: Forbes, ATP.



In 2007, he was signed by Gillette, starring in a number of adverts for the company.



In 2008, Federer signed a 10-year sponsorship deal with Nike worth almost $120 million. The partnership ended in March 2018.

Source: Forbes.



Last summer, Federer made headlines when he swapped Nike for lesser-known Uniqlo in a 10-year deal estimated to be worth $300 million. The deal with the Japanese brand had been "a long time coming," Federer said at Wimbledon 2018.

Read more:Roger Federer's new sponsorship deal is reportedly worth $300 million as he replaces Nike with a lesser-known brand



In a recent Uniqlo ad, Federer tried his hand at the piano, and said he'd like to practice more so he can surprise his wife.

Watch the video here.



In 2009, Federer signed another 10-year contract, this time with Credit Suisse. The firm declined to comment on the contract's value at the time, but it's thought to be worth around $20 million.

Source: The Telegraph.



The player is also known for his charity work. He founded the Roger Federer Foundation in 2003, which has since raised $40 million and recently hit its goal of educating one million children in Africa by the end of 2018. He still finds time to visit children who benefit from his charity.

Source: Forbes, Tennis World USA.



As a dedicated athlete, he spends a lot of money on his equipment. He has his rackets made by P1, a company which also counts Novak Djokovic and Andy Murray as clients.

Source: The New Yorker.



He likes the finer things in life, too. In 2014, Federer completed the construction of a modern-looking mansion on Lake Zurich worth around $8.1 million.

As well as owning other properties in Switzerland, he also keeps a penthouse in Dubai, where he spends much of the year training.

Source: Basel Shows.



Thanks to his role as a brand ambassador for Mercedes-Benz, Federer also has a large car collection. He partnered with the German auto-maker in 2008, and renewed the deal in 2018. The multiyear partnership is estimated to earn the tennis star $5 million a year.

Source: Tennis World USA.



When he's not on the court, Federer is a keen hiker. Last year, he appeared on "Running Wild with Bear Grylls." "Just slightly upset that he beat me at mini ping-pong on the top of the cliff face," Grylls said.

Source: Tennis World USA.



That's not to say the athlete doesn't like to party in his downtime. He's an ambassador for Moet & Chandon champagne, which recently released a limited-edition bottle to mark his 20th year in professional tennis. The 20 bottles sold for $23,000 a pop — but all the proceeds went to the Roger Federer Foundation.

Source: Adweek.



After winning his eighth Wimbledon title in 2017, Federer complained of a "head-ringing" hangover the day after. "[I] got to bed at 5 a.m., then woke up, and just didn’t feel good. The last hour or so I’m somewhat okay again. I'm happy with that."

Source: Business Insider.



When Federer goes out for dinner, variety is clearly the spice of life. "I am a lover of Italian, Japanese, and Indian restaurants," he said recently.

Source: International Business Times.



Some of his fortune also went on his wedding to former professional tennis player Mirka Vavrinec in Basel, Switzerland. They had their first kiss at the Sydney Olympics in 2000, and got married in 2009.

Source: Telegraph, MailOnline.



They have two sets of twins together. Daughters Charleyne Riva and Myla Rose are nine, while sons Lenny and Leo are five.



His wife is his source of fashion advice. "I used to wear jogging shoes, jeans and a practice shirt, then when Mirka met me, she would look and go, 'Errr, are you sure about this look?'"

Source: GQ.



Federer's worst fashion mistake came when he won Wimbledon in 2007. "I went to receive the trophy, and as I walk down I'm a bit nervous, and as I put my hands in my pockets I realise that the pockets are going backwards. "I was like: 'It's too late! I can't change them anymore!' I lifted the trophy, and the pants were on backwards." If you look closely in this picture you can see that his trousers are on back-to-front.

Source: Business Insider.



With his 38th birthday closing in, Federer has taken some time to consider his retirement. He recently told a Swiss newspaper that he has bought "an old bus from the 60s," which he plans to drive around Europe once he has some spare time.

Read more:Roger Federer says he bought an old bus and plans to drive it around Europe when he retires from tennis

This is an updated version of a post originally written by Edith Hancock published on January 31, 2017.



'How much is Windows 10?': A cost breakdown of all three versions of Windows 10

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windows 10 microsoft surface laptop

Windows 10 is the latest version of the Windows operating system. Like its predecessor, Windows 8, it was designed with tablets and touchscreen laptops in mind. 

Microsoft has pared down the Windows 10 product selection to just two main versions, Home and Pro, along with the more advanced Pro for Workstations

Simplifying the product offering can mean an easier choice for you, the consumer. Windows 10 Home and Windows 10 Pro have many features in common, although there are  some key differences.

Check out the products mentioned in this article:

Windows 10 Home (From $139 at Best Buy)

Windows 10 Pro (From $199.99 at Best Buy)

Windows 10 Pro for Workstations (From $309 at Microsoft)

Windows 10 Home 

Windows 10 Home is well-suited for everyday tasks you might need a home computer to perform, as well as being a solid option for gaming. Standard communications apps such as Mail, Calendar, Photos, and Videos are included. 

Windows 10 Home costs $139. Here's what it offers. 

  • Windows 10 supports a digital pen and touch support on enabled devices.
  • Cortana is the Windows digital assistant. Use it to request information about weather, schedule appointments, search your computer files, and more.
  • Android and iPhone devices are supported, so you can access supported mobile content from your PC. 
  • Device encryption is available on most modern devices. 
  • Firewall and network protection is built-in to help protect against malware threats, including ransomware.
  • Windows Defender SmartScreen scans apps and internet content for a safer experience. 
  • Secure Boot prevents malware and other unauthorized programs from loading when Windows starts.
  • Windows Defender Antivirus and parental controls are also available. 

Windows 10 Pro 

Windows 10 Pro includes all the features listed above, along with some that may be better suited for business and large enterprises. It also includes additional security and networking features. 

Windows 10 Pro costs $199.99. Here's what else it offers. 

  • Dynamic provisioning allows you to easily customize a device to meet your organization's needs.
  • Windows Update for Business offers greater control over Windows Update deployment.
  • Group Policy support allows specific security and networking rules to be applied based on a user's access group.
  • A Kiosk Mode can be set up quickly and easily for kiosk use.
  • Assigned Access allows network administrators to designate specific applications to run based on a user's assigned permissions. 
  • Active Directory support allows IT staff to manage access to resources like files and shared printers for network users.

Windows 10 Pro for Workstations 

Windows 10 Pro for Workstations is a more advanced version of Windows 10 Pro, with faster data handling, more storage, and a new file system that finds and repairs faults. 

Windows 10 Pro for Workstations costs $309.

This operating system is more suitable if your business or enterprise is dealing with large amounts of data and needs to store and process it quickly. 

SEE ALSO: The best budget laptops you can buy

Join the conversation about this story »

NOW WATCH: 5 things wrong with Apple's lightning cable

This money-saving hack has changed the way I buy Nike shoes — I shop for the exact-same pair I want in big kids' sizes

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Nike react presto

  • Nike offers a wide range of sizes online, but popular colorways sell out quickly, especially in small sizes.
  • Men's and kids' colorways often overlap, offering those with small feet an extra chance to snag their favorite style in their size.
  • Youth sizes are available up to a 7Y, which is equivalent to a men's 7 or a women's 8.5.
  • As a bonus, kids' sneakers tend to be a bit cheaper than the adult versions.
  • Styles such as React Presto, Huarache E.D.G.E. TXT, and Air Max 720 are all available in both men's and kids' in identical colorways.

I'm not a sneakerhead by any means, but when I see something I like, I tend to get a little bit obsessive until I own it.

So when I saw a certain colorway of Nike Air Max 97's, I knew I had to have them, but Nike was sold out in my size. I wear a women's 8, which is equivalent to a size 6.5 in men's. In my experience, Nikes run a half-size small, so I always end up with a men's 7. I tend to shop in the men's department because the women's colorways are just never as cool. Why Nike doesn't offer the same colorways in both departments has always baffled me.

Online, Nike offers men's sizes all the way down to a size 3.5 (equivalent to a women's 5) and all the way up to a size 15 (equivalent to a women's 16.5). But the extreme sizes sell out quickly because they make so few pairs, which is what happened in the case of my Air Max 97's. I was distraught that I'd missed out on this colorway, so I spent days Googling, hoping to find them on Footlocker or Zappos or some resale site at a price that wasn't ridiculous.

What I wound up discovering was a hack that changed the way I buy sneakers.

Nike doesn't always make the men's colorways in women's sizes, but they will occasionally make them in "Big Kids'" sizes. And adults purchasing kids' shoes is not something Nike discourages. In fact, they have a size chart available that helps you convert kids' sizes to men's and women's sizes. This is great for people with small feet who miss out on their size in the adult version. It's often the exact same shoe with maybe a minor variation in detailing here and there.

As a bonus, you'll often wind up saving at least $20 by switching from men's to kids'. You're essentially getting a discount on the near-exact same shoe, which more than makes up for the extra effort you've made to grab them in the best colors. As an example, right now the React Presto's are available in both men's ($120) and big kids' ($100) in two overlapping colorways, as are the Huarache E.D.G.E. TXT's (men's and big kids') and the Air Max 720's (men's and big kids'). These are just a few examples, but there are tons of instances of this on the Nike website, so if your favorite colorway is sold out in your size and you happen to have small feet, do your due diligence and check the kids' section.

Check out all the sneakers Nike currently has in big kids' sizes here.

SEE ALSO: The Nordstrom Anniversary Sale is back now through August 4 — here are the 72 best deals to shop before they sell out

Join the conversation about this story »


How to change your Twitter password on desktop or mobile to protect your account's security

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FILE PHOTO: People holding mobile phones are silhouetted against a backdrop projected with the Twitter logo in this illustration picture taken September 27, 2013. REUTERS/Kacper Pempel/Illustration/File Photo/File Photo

  • You can change your Twitter password from the mobile app on your iPhone or Android, or in a web browser on your computer. 
  • To change your Twitter password, you'll need to supply your existing password. 
  • If you've forgotten your password, you can select "Forgot password?" on the password page and reset your password via email or text message. 
  • Visit Business Insider's homepage for more stories.

If you feel it's time to change your Twitter password, you can change it from the mobile app on your phone or from a web browser on your computer.

Check out the products mentioned in this article:

iPhone Xs (From $999.99 at Best Buy)

Google Pixel 3a (From $399.99 at Best Buy)

How to change your Twitter password in a web browser

1. Navigate to Twitter in your web browser.

2. Click the 3 dots and then, in the pop-up menu, click "Security and privacy."

password 1

3. Under Settings on the left, click "Account."

password 2

4. On the right, click "Password."

5. Enter your current password and then type the new password in the New password and Confirm password fields. 

password 3

6. Click "Save" to change the password. 

How to change your Twitter password on your phone

1. Start the Twitter app on your iPhone or Android.

2. Tap your profile picture at the top of the screen.

3. In the sidebar, tap "Settings and privacy."

password 4

4. On the Settings and privacy page, tap "Account."

password 5

5. Tap "Password."

6. Enter your current password and then type the new password in the New password and Confirm password fields. 

7. Click "Done" to change the password. 

How to change your Twitter password if you've forgotten your existing password

No matter where you try to change your password – on the Twitter web page or in a mobile app – you need to enter your current password first for security reasons. 

If you no longer know that password, fear not. When the app or web page asks for the password, you should see a "Forgot password?" link. Choose it and Twitter will help you reset your password by sending you an email (or, if you have two factor authentication turned on, a text message). 

password 6

Related coverage from How To Do Everything: Tech:

SEE ALSO: The best iPhone for every type of person and budget

Join the conversation about this story »

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Your guide to Target's in-house clothing and accessory brands for kids, tweens, and teens

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target back to school9

  • Target is always at the top of our list of where to shop for back-to-school necessities like desk supplies, clothing, and dorm room essentials. 
  • It's home to dozens of in-house brands, a number of which have affordable, quality supplies and clothing. 
  • They include Cat & Jack for everyday kids' basics, Simply Balanced for healthy snacks, and Heyday for tech accessories. 
  • Save even more shopping at Target by visiting our Coupons site.

More than any other store, Target was the place I shopped for back-to-school supplies and clothing while growing up. From elementary school through college, I weaved through the aisles to pick up new backpacks and shoes, academic planners and pencil cases, and laundry hampers and bathroom caddies. 

While you can shop top school and kids brands like Yoobi for desk supplies and Annie's for healthy snacks, you should also be on the lookout for Target's in-house, private label brands, which offer quality supplies and clothing at low prices. 

There are more than 30 of these private label brands scattered throughout Target's home, clothing, and household essential departments, but you should really focus on the eight below if you're shopping with back-to-school in mind. Read on for a brief overview of what each brand specializes in and what you should buy from it. 

Chances are, you live near a Target store. Instead of parking, going in, and shopping among the crowds of parents and kids also checking off their supply lists, you can shop everything online and take advantage of Target's Drive Up pick up service. Or, enjoy free two-day shipping on any order over $35. 

Here's your cheat sheet to the Target in-house brands that will save you money on back-to-school shopping this year: 

For trendy kids ages 4 through 12: Art Class

Shop Art Class clothing at Target

Elementary and middle schoolers who don Art Class pieces look infinitely cooler than I ever did at their age. This collection focuses on trends and of-the-moment looks and also features limited-edition capsules on an ongoing basis to keep your kid's closet fresh. Our only wish is that some of these pieces were available in adult sizes. 

What to buy: 



For college freshmen: Room Essentials

Shop Room Essentials home goods at Target

The costs of outfitting an entire dorm room or apartment from scratch can add up. Everything at Room Essentials is very affordable and highly rated by satisfied students who are able to funnel the money saved to other school essentials. You can shop everything from storage bins to bed and bath goods to plastic dinnerware. The styles are pretty basic, but if you're planning to move around a lot throughout college, this brand provides great value. 

What to buy: 



For young teens: More Than Magic

Shop More Than Magic clothing and accessories at Target

More Than Magic is a brand-new collection launched in June 2019 that is more than generous with its application of glittery designs and embellishments. The fun and sparkly brand includes clothing, but also anything you might expect to find in a locker or at a sleepover: bath bombs, nail decals, notebooks, and magnets. 

What to buy: 

 



For lunchbox and after-school snacks: Simply Balanced

Shop Simply Balanced snacks at Target

Keep the kids fueled throughout the day, without the artificial flavors, colors, or preservatives. More than half of Simply Balanced offerings are organic, too. You'll feel good that the milk they drink in the morning and the chips they snack on as they do homework is doing their body more good than harm. 

What to buy: 



For stylish everyday essentials: Cat & Jack

Shop Cat & Jack clothing at Target

Play dates, recess, and after-school sports take a toll on your kids' clothing, so it's never a bad idea to stock up on everyday basics. Cat & Jack is cute and affordable, with graphic tees starting at $5, jeans at $8, and dresses at $8. You can also shop clothing with adaptive design and school uniforms here. 

What to buy: 

 



For kids' rooms: Pillowfort

Shop Pillowfort home goods at Target

As kids develop their personalities and personal styles, they'll want a say in how they decorate their rooms. Show them the fun options from Pillowfort, which include furniture shaped like animals and graphic bath mats. If you need help, you can shop by pre-curated room themes and use the AR tool to visualize furniture and decor in the room. 

What to buy: 



For tech accessories: Heyday

Shop Heyday tech accessories at Target

Heyday is like the AmazonBasics of Target, but with more eye-catching colors and prints available. These are the basic tech accessories your teen always needs and never seems to be able to find. If you're on a budget, Heyday is an excellent place to find USB cables, phone cases, and power banks for less.

What to buy:



For school supplies and dorm room supplies: Up&Up

Shop Up&Up school supplies at Target

You can't get around it — students will need paper, pens, and pencils for the classroom and toilet paper and paper towels for their room. Pick up all these supplies and more through "unbranded brand"  Up&Up. Stock up online because these essentials are prone to selling out at your local Target store as the first day of school inches closer. 

What to buy:



The best way to teach yourself to code and land a six-figure job, from 5 people who've done it

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Man coding

  • Many people are keen to teach themselves to code because it's a career path that can quickly pay off — to the tune of $100K a year or more after just a few years of experience. 
  • We spoke to an impressive panel of self-taught, successful coders who shared the following guidance for others who would like to follow in their footsteps.
  • One tip? Start as soon as possible — perhaps with a free online course — and stay connected with other programmers in the course to remain updated on the latest technology.
  • Pay attention to the challenges presented in situations you're confronted with, and try to imagine solutions for them.
  • Click here for more BI Prime stories.

Around two-thirds of software developers are actually self-taught. Research from Stack Overflow on more than 56,000 coders also found that less than half have a computer science degree. 

One reason that people are so keen to teach themselves how to create and engineer software is that it's a career path that can quickly pay off — to the tune of $100K or more after just a few years of experience. While coding itself may be considered an entry-level tech skill, it's a basic building block that can open the door to a wide range of higher-paying positions, from tech lead or software architect all the way up to CTO.

If you want to join the ranks of six-figure tech stars who taught themselves to code, take a page from the playbooks of people who have done it. Business Insider spoke with an impressive panel of self-taught coders who leveraged their hard-won knowledge into enviable salaries and shared the following guidance for others who would like to follow in their footsteps.

Read more: Here's exactly what it takes to get accepted into Harvard Business School, according to 5 grads and the managing director of admissions

Start by doing — and do it online

Damien Martin, who works at Shufti Pro, became inspired about AI and machine learning at age 11 by the futuristic products envisioned in movies like Back to the Future. As a result, he started cracking the books to master coding. Having gone the longer route of book learning, Martin doesn't advise it, instead recommending the avenues of YouTube and self-learning websites for a quicker, less painful path. 

"Start as soon as possible," said Martin. "And you must start by doing. Enroll in an online course — some of these have the leading coders and programmers to teach you." He added that it's also important to stay connected with other programmers as part of your marching orders. "You need to constantly remain updated on the latest technology, as well as job offers."

Don't get overwhelmed

Bharat Nain headshot

Software implementation consultant Bharat Nain grew up taking apart toys to learn how they worked, so his parents took the hint and enrolled him in a C Language programming course when he was 12. This skill would prove invaluable not just in helping him champion the code for the robot on his high school's first robotics team (which placed second in the world out of 3,000 teams), but later in paving the way to a lucrative career in technology.

This didn't happen overnight, and Nain acknowledged that the path can seem intimidating when you're first starting to get your feet wet as a coder — particularly if you're serving as your own teacher. 

"Learning to code can sometimes be equated to climbing a mountain," explained Nain. "If you look at the peak, you might shy away. It's best to take one step at a time." To do this, he advises finding a starting point by building software that truly interests you. "Have faith in yourself and don't give up for at least a year of persistent effort," said Nain. "And if it helps, enroll in an online learning program where you are surrounded with a support system of other learners and instructors." 

Leverage free resources

Will Manuel — who as president and CEO of Core Mobile Apps has well-exceeded the $100K mark — recalled how difficult it was to learn coding when he was first starting out. "Ever try talking to a Martian in his own vernacular? Yep, basically the same as that," he joked. But like the other self-taught coders we spoke with, Manuel found the challenge of the learning curve to be well worth the effort. While in college, he took a job in the computer lab, which helped create a foundation for teaching himself Photoshop and HTML. He then used these skills to begin publishing his own basic websites, which led to his first job in the industry as a web design director.

From his current vantage point of running his own successful agency, Manuel suggests that would-be coders take advantage of today's low or no-cost opportunities, many of which weren't available when he started out two decades ago.

"The pathway to becoming a successful programmer, specifically in web development, is a lot clearer today," said Manuel. "There are so many free resources out there that anyone with the desire to learn can teach themselves how to code and make six figures within a very short period of time." He added that his key take-away from over 20 years of coding is: "Start with who you want to bring value to and why. These are the underlying questions that will put you on the correct path to earning six figures and beyond in the space."

Read more: A freelancer who has pulled in a 6-figure income every year since 2010 shares the exact process he used to quit his job and become successfully self-employed

Try video tutorials

Being a self-taught coder doesn't mean you can't learn from others. Web designer and blogger Becky Beach used Lynda.com courses to teach herself advanced JavaScript and CSS, then building her own projects to showcase on job interviews. Beach now has been making websites for 17 years and got into contracting four years ago, the latter of which she reports "pays much more." Today she makes over $130,000 a year by coding. "I was able to make $70 hourly doing front-end development for companies like Verizon and 7-Eleven," said Beach. 

When going the route of video learning via sites such as Lynda.com and Udemy.com, Beach suggests going above and beyond. "Make your own projects to cement those skills in your mind," she advised. "If you just watch the videos, it isn't enough. The projects also help you get interviews if you put them on a website." To make a quick responsive website, she suggests using WrapBootStrap.com, a site with Bootstrap templates. "Bootstrap is a great CSS framework to learn to make websites faster," she explained. "You can make a website with WordPress easily too."

Solve a problem

Jim Joyce headshot

Coder today, chief technology officer tomorrow? That was the path that Jim Joyce, CTO of Finxact, took. His road first to teach himself to code and then to the C-suite began back at age 10, when he had an important problem to solve with a video game that he loved. Armed with a beloved Atari 400 that came with Atari BASIC but no storage device, Joyce had to rewrite the program any time he wanted to play one of the sample games documented in the product manual. "It was amazing that these simple instructions could produce a video game," said Joyce. "Playing the game, I would imagine what part of the program was running. I loved writing and tweaking the code more than actually playing the games."

Today in his leadership role, Joyce still believes in the value of approaching coding with a problem-solving mentality. He recommends developing an understanding of specific benefits and challenges presented in situations you're confronted with, seeing what things make a job easy and imagining solutions for the things that don't. "Write code to solve a problem that you understand intimately," said Joyce. "Writing code to solve problems keeps you engaged and gets you past the challenges that seem to trip you up every day. But, eventually, you get over those humps, you get better and faster — and that's a very rewarding way to to make a living."

SEE ALSO: A 34-year-old freelancer who quit the job she hated and now makes $200K a year debunks 3 of the biggest myths she's encountered about becoming your own boss

Join the conversation about this story »

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A 3-day trip to Jackson Hole during what I thought would be the low season ended up being a valuable lesson in writing off ski towns as winter-only destinations

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jackson hole

Jackson is a ski town of about 10,429 people in Wyoming. It's the center of the Jackson Hole, a valley nestled between two mountain ranges that's become a ritzy ski destination for celebrities and the ultrawealthy.

Growing up in neighboring Montana, I had always heard of Jackson as a winter town, known for its world-class skiing at Jackson Hole Mountain Resort. USA Today recently ranked Jackson Hole's ski resort as the second best in the US. So when I planned a weekend trip there in July, I resigned myself to experiencing the area in its low season.

But when I arrived in Jackson, I was shocked at how bustling the town was on a Friday summer evening. The streets were milling with tourists sightseeing, shopping, eating, and drinking. Traffic through the center of town at times rivaled that of New York City, where I live. 

"Summertime is very busy in Jackson as we are the gateway to two national parks," Kate Sollitt, the executive director of the Jackson Hole Travel and Tourism Board, told me in an email.

jackson hole

While the tourism board doesn't have actual visitor numbers to Jackson Hole, Sollitt said that Grand Teton National Park, which is less than a 10-minute drive from the town of Jackson, averaged about 700,000 visitors per month, or about 2.1 million people in the summer months. And Yellowstone National Park, about a 40-minute drive away, gets about 2.4 million visitors in June, July, and August.

"We don't have great winter numbers but we estimate that winter visitation is around 200,000 for the [entire] winter, so the difference is pretty noticeable," Sollitt said.

Jackson is the kickoff point for endless excursions to nearby Yellowstone and Grand Teton national parks, as well as activities like hiking, whitewater rafting, mountain biking, and wildlife safaris.

I spent one afternoon at the acclaimed Jackson Hole Mountain Resort. I knew there was an aerial tram that takes guests to the top of a mountain, but apart from that, I figured the place would be a bit boring since it was wasn't ski season.

jackson hole mountain resort

But far from a sleepy off-season ski area, the famous Jackson Hole Mountain Resort was milling with tourists riding the ski lifts and trams, bouncing on bungee trampolines, and traversing a ropes course at the adventure park.

One evening, I went for a drink at the Million Dollar Cowboy Bar, a cowboy bar in the center of town that has real saddles for bar stools. I paid a $5 cover charge and my cocktail was about $10, which seemed a bit pricey for Wyoming but not at all outrageous compared with New York City prices.

Since its establishment in 1937, it's become something of a Jackson institution. Sandra Bullock has celebrated her birthday there, and Kanye West popped in last summer with some friends after his album-listening party at a nearby ranch.

jackson hole cowboy bar

The bar was busy, the drinks were strong, and I even ran into two women I had met earlier that day who work at a nearby dude ranch, which I took as confirmation that it's not just a tourist spot. 

After my summer weekend in Jackson, it was clear that while the area might be famous for its skiing, it's certainly not a destination to miss in the summertime. 

Summer tourists, be warned

Jackson's surprising popularity as a summer destination meant that finding an affordable place to stay was nearly impossible. I scoured Airbnb but found nothing at all available in the town of Jackson. To be fair, I was booking only about 10 days before I arrived. The closest thing I found was a room in someone's house in Driggs, Idaho, more than a 45-minute drive away, for $100 per night. 

Even the two-star hotels in Jackson were astonishingly pricey. A room at the Motel 6 on the outskirts of town cost more than $200 per night, and it was completely booked. I ended up at the second-cheapest option, the Super 8, for $245 per night. It had no elevator and unbearably slow WiFi.

On the other end of the spectrum, a room at the luxurious Amangani resort just outside town will run you between $975 and $2,100 a night.

So, while Jackson strikes me as a beautiful, lively place to visit, even in midsummer, it's not exactly the kind of place you can show up to without planned accommodations. Book ahead!

SEE ALSO: I toured a $975-a-night luxury resort outside of Jackson Hole, and I found that it delivers on 2 of the top desires of wealthy travelers: privacy and experience

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How to change your Twitter display name on desktop or mobile, and give yourself a new name that's up to 50 characters long

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FILE - This July 9, 2019, file photo shows a sign outside of the Twitter office building in San Francisco. Twitter reports financial earnings on Friday, July 26. (AP Photo/Jeff Chiu, File)

There are two ways people can identify you on Twitter— using your handle (or user name), which starts with the iconic "@" symbol, and your display name. 

Your display name appears at the top of your profile and is generally your real name or the "plain English" name you want people to associate with your Twitter account. 

You can change your display name at any time, and your followers will automatically see the new name. 

If you want to change your Twitter handle (the one that starts with "@"), see our article, "How to change your Twitter username on a computer or mobile device."

Check out the products mentioned in this article:

iPhone Xs (From $999 at Best Buy)

Google Pixel 3 (From $699.99 at Best Buy)

How to change your Twitter name in a web browser

1. Navigate to Twitter in a web browser. 

2. Click your profile picture on the left side of the screen. 

3. On your profile page, click "Edit profile."

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4. In the Edit profile window, type a new name in the Name field. This can be up to 50 characters long, and there's no requirement for it to be unique. 

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5. When you're done, click "Save."

How to change your Twitter name on your phone

1. Open the Twitter app on your Android or iOS phone.

2. If the app doesn't open directly to your profile page, click your small profile picture at the top of the screen.

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3. In the sidebar that appears, tap the profile picture again.

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4. On your profile page, tap "Edit profile."

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5. In the Edit profile window, tap your name and change it to whatever you like. The new name can be up to 50 characters long, and there's no requirement for it to be unique. 

6. When you're done, tap "Save."

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7 delicious low-carb snacks you can take on the go

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dang bar

  • If you follow a low-carb diet, or even if you're just trying to cut back on carbs a little, finding snacks while you're out and about can be difficult.
  • To help you out, we rounded up a list of the most delicious low-carb snacks you can buy to take on the go — ones that won't make you miss the carbs at all.

Carbohydrates, especially the refined kind, can cause blood sugar to temporarily spike, which explains why you feel that midday slump after enjoying a hefty serving of pasta for lunch. Whether you're trying to avoid that energy crash or have other personal reasons why you'd like to lower your intake of carbs, a good place to start is with the snacks you carry around every day. 

It's generally easy to eat low-carb when you're cooking meals for yourself or out at a restaurant. Natural, whole foods are always a reliable and healthy option. But when you're traveling or just need some easy snacks to throw in your backpack before a long day, things can get a little trickier. 

Luckily, there are plenty of delicious, portable low-carb snacks that don't require an ounce of work on your part to prep. Whether you're looking for some snacks that will stop the dreaded midday slump, or bites that comply with your lifestyle and dietary preferences, there are plenty of low-carb, packaged snack options out there. The best part is, these all actually taste good, so you'll love them even if you love carbs, too.  

 You can find most of these snacks on Amazon or Thrive Market. Thrive Market is an online grocery with a selection of over 6,000 products from sustainable and organic brands. Most prices at Thrive Market are cheaper than you'll find at other grocery stores, but you have to pay an annual membership fee of $59.95 to access these prices. New members can sign up for a free 30-day trial to see if Thrive Market is right for your lifestyle. 

Keep reading for 7 of the best low-carb snacks that anyone will love:

SEE ALSO: The best air fryers you can buy

Whisps

Get for $3.49 at Thrive Market or a 3-pack for $10.98 at Amazon

Imagine biting into a cheese cracker that is made with just one ingredient — cheese. These cheesy crisps, which are made of only cheese (though some flavors include other ingredients), are as good as they sound and cater to all cheese-lovers, low-carb or not. Eat straight out of the bag or use these as replacements for croutons, crackers, and chips. They're a great gluten-free snack, and have a solid amount of protein and calcium too. 

Nutrition info:

  • 150 calories 
  • 1 gram carbs
  • 11 grams fat
  • 12 grams protein
  • 0 grams fiber


Oloves

Get a 10-pack, $19.70, at Amazon

If you're not a fan of the fruit (yes, technically an olive is a fruit) keep scrolling. If you are an olive appreciator, you'll love these snack packs of delicious, natural pitted olives. It's like picking up a jar of olives at your local market, minus all the liquid, so you can actually take these on the go and enjoy them without making a mess. Seasoning combinations like basil and garlic, lemon and rosemary, and chili and oregano make these a flavorful snack on their own, or a yummy addition to a cheese board or salad. 

Nutrition info:

  • 53 calories
  • 0.3 grams carbs
  • 5.5 grams fat
  • 0.4 grams protein
  • 0.6 grams fiber


Dang Keto Bar

Get a 12-bar variety pack for $22.99 at Thrive Market or $33.19 at Amazon

When it comes to on-the-go snacks, protein bars are always a solid option, though many are carb-heavy. These bars from Dang are made with nuts and plant-based protein, made to fit keto and vegan diets alike. If the fun packaging doesn't draw you to these bars, maybe the fun flavors — almond vanilla, lemon matcha, chocolate sea salt, and more — will entice you to give them a try. 

Nutrition info: 

  • 210 calories
  • 11 grams carbs
  • 15 grams fat
  • 9 grams protein
  • 6 grams fiber

* Based off almond vanilla flavor, nutrition info for other flavors may vary slightly



Chomps

Buy a 10-pack for $18.99 at Thrive Market or $22.49 at Amazon

Chomps meat sticks are about as far from the gas-station staple as you can get. The ingredient list is clean and filled with natural ingredients you can actually pronounce, made with grass-fed beef, without nitrates, sugar, and GMOs. Each meat stick has 9 grams of protein to help fill you up between meals without loading up on carbs and sugar. Beef, turkey, and venison varieties are enough to satisfy all carnivores. 

Nutrition info: 

  • 100 calories
  • 0 grams carbs
  • 6 grams fat
  • 9 grams protein
  • 0 grams fiber

*based off original beef, nutrition info for other meats may vary slightly

 

 



Gimme Organic Roasted Seaweed

Get for $1.69 at Thrive Market or a 20-pack for $15.99 at Amazon

Salty, crispy, and crunchy, seaweed snacks are a lighter alternative to a bag of potato chips. Made with just three ingredients — seaweed, sunflower oil, and salt — these are gluten-free, non-GMO, vegan, and great for low-carb lifestyles. Add these sheets to salads, soups, or eat on their own for a nutrient-rich snack

Nutrition info: 

  • 25 calories
  • 1 gram carbs
  • 2 grams fat
  • 1 gram protein
  • 1 gram fiber


Brami Lupini Snack

Buy for $3.69 at Thrive Market or a 4-pack for $19.99 at Amazon

A healthy snack and something you've probably never tried before, Brami is bringing the lupini bean — a Mediterranean staple — to snack time in America. According to the brand, lupini is eaten often in Italy and is a legume most similar to edamame — except that it's free of soy and is typically enjoyed cold. Brami takes these protein-rich beans, lightly pickles them in flavorful brines, and packs them in single-serve packages for healthy snacking on the go. 

Nutrition info: 

  • 60 calories
  • 7 grams carbs
  • 1 grams fat
  • 7 grams protein
  • 7 grams fiber


4505 Meats Chicharrones

Get for $3.99 at Thrive Market or a 6-pack for $38.99 at Amazon

For an indulgent savory snack without the carbs, try the chicharrones from 4505 Meats. The meats used are humanely raised and sustainably sourced from small farms. Pork rinds are fried in batches so every bite has a light and crispy texture. Expect all the crunchiness of a chip, but with a lot more protein and no carbs at all. 

Nutrition info: 

  • 80 calories
  • 0 grams carbs
  • 6 grams fat
  • 7 grams protein
  • 0 grams fiber


I drove a $50,000 Chevy Colorado ZR2 Bison to see if a midsize pickup built for offroading could handle everyday life (GM)

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Chevy Colorado ZR2 Bison

  • The 2019 Chevy Colorado ZR2 Bison is the hardest of hardcore offroading pickups from the bowtie brand.
  • The Chevy Colorado ZR2 Bison has about $6,000 of upgrades from American Expedition Vehicles, all designed to improve the pickup's ability to go where no midsize pickup has gone before.
  • The offroading extras are probably too much for most weekend warriors — they'll do fine with the regular ZR2. But for a tough, tough truck, the ZR2 Bison is remarkably easy to live with day to day.
  • Visit Business Insider's homepage for more stories.

Once you get into offroading, you invariably start to look for bulletproof vehicles capable of handling any terrain. 

When it comes to midsize pickups, a versatile choice, few are more bulletproof than the Chevy Colorado ZR2 Bison, an upgraded version of Chevy's already robust Zr2. The Bison trim went on sale in early 2019.

Although the Bison is brilliant, it does raise a question: "Can a pickup that's this ready for rock-busting deal with everyday life?"

I set out to answer that question when Chevy let me borrow the truck for a week. Proper offroad testing is somewhat outside our capabilities at Business Insider. But I have no difficulty dropping kids off at school and making weekend runs to rescue houseplants from relatives.

Here's how it went down:

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Say hello to the Bison! The 2019 Chevy ZR2 Bison, to be precise. In a "Red Hot" paint job — truth in advertising, by the way — this test truck stickered at $49,745.



The Bison wasn't our first ZR2. We tested the slightly less hardcore regular ZR2 last year.

Read the review.



We also spent some time with the performance-oriented Colorado Z71.

Read the review.



Our Chevy Colorado ZR2 Bison tester came with a crew cab and a short box.



It was nearly identical to the previous ZR2 I sampled, at least on the outside.



One major difference was the front grille treatment. The Bison carries the proud Chevrolet name, while ...



... The previous truck rocked a big ol' Chevy bowtie badge, chrome-edged gold.



So what makes a ZR2 Bison a member of a special herd of pickups? Basically, it comes down to a collaboration with American Expedition Vehicles, a Montana-headquartered company with close ties to Detroit.

"For maximum protection of key undercarriage elements while driving over rocky, jagged terrain, Bison features five skid plates covering the engine oil pan, fuel tank, transfer case and front and rear locking differentials," Chevy explained when the new ZR was launched.

"Designed by AEV, these skid plates are constructed of hard, durable hot-stamped Boron steel. AEV-designed stamped steel front and rear bumpers further shield the truck from obstacles. The front bumper contains winch provisions and standard fog lights, with recovery points integrated into the rear bumper."

The upshot here is that while the ZR2 is extremely capable, the ZR2 Bison is capable and then some. If you spend your spare time busting over rocks, climbing hills, and fording rivers — in other words, if you consider pavement something for the weak — then you'll be interested in what the Bison spec has to offer. 

Effectively, the ZR2 Bison is a Colorado ZR2 with an armor-plated underside. Hot-stamped Boron steel! That sounds pretty impressive.

The ZR2 also has locking front and rear differentials and some other offroad goodies; the Bison upgrade adds about $6,000 in extras, including some rather stout-looking floor mats.



The AEV shout-out is genuinely modest, given how robust the modifications to the ZR2 are.



The rear liftgate gets the Colorado V6 badging and the blacked-out bowtie from the Z71.



So, how about that bed? Well, it's as versatile as you'd expect, even if it's a short one (which actually helps with offroading, making the ZR2 Bison easier to handle). I made a long run from New Jersey to the East End of Long Island to fetch a pair of houseplants. As you can seem, I had plenty of room for a hammock, too.



These tires aren't messing around. They also aren't the best from highway cruising, but they weren't outrageously rough or noisy in my testing.



Look behind the rear wheels and you'll find Multimatic offroad-ready DSSV shocks, a leaf-spring suspension, and a full-size spare.



Getting into and out of the lifted ZR2 Bison is tricky. There's no step, but there is a steel tube, designed to provide some assistance without being a mud-magnet or a component that could get ripped off by a boulder.



Let's take a look at the engine!



The 3.6-liter V6 is all motor — no turbos. The engine makes 308 horsepower with 275 pound-feet of torque. A turbocharged four-cylinder, 2.8-liter mill is available, making 181 horsepower but a juicy 369 pound-feet of rock-crawling torque.



My tester sent the power through a stout eight-speed automatic. This combo yields less-than-great fuel economy: 16 mpg city/18 highway/17 combined. My jaunt to Long Island plus a week driving about town meant that I had to top off the tank at least once.



You want old school? How about an ignition key?



Like the ZR2, the ZR2 Bison has a nice — but not overly premium — interior. My tester's was "Jet Black." Front seats were heated, as was the steering wheel.



The infotainment system runs on an eight-inch touchscreen. It lacks map-based navigation features, but it can provide OnStar turn-by-turn directions. Apple CarPlay and Android Auto are available. Bluetooth connectivity is a snap, and there are USB/AUX ports for devices. The pickup has 4G LTE WiFi, too.



So what's the verdict?

In my review of the non-Bisonic ZR2, I wrote, "You can sort of think of the ZR2 as a less intense, junior-ized version of the Ford Raptor or the Chevy Silverado Z71."

And I added: "Not that it isn't intense on its own. I think the smaller size and sportier demeanor would quite a lot of fun to take to the desert, maybe more so than bigger and far more powerful high-test pickups."

The ZR2 Bison is the midsize equal of the Raptor — a sort of Raptor junior, with the most extreme offroad market for midsizes to itself until Ford brings out a Raptoradelic version of the new Ranger.

Obviously, I didn't rock-crawl or even get off the pavement in my tester pickup, so I have to give the folks at AEV the benefit of the doubt and suggest that their mods would serve ZR2 owners well. 

So how does the ZR2 Bison function for more mundane duty? 

Like the Raptor, it handles freeway cruising and errand-running quite well. Climbing in and out is a pain, and the MPGs are woeful, but you have excellent small pickup versatility to go along with the offroading cred — and the ZR2 comes with enough creature comforts to take the edge off the truck's rougher demeanor.

The Toyota Tacoma TRD Pro, a major ZR2 and ZR2 Bison rival, can't give you this. The Taco is a challenging truck to live with when you aren't busting through uncharted territory. Awesome, to be sure, but also uncompromising.

That's a good thing for ZR2 owners. But what about ZR2 Bison folks?

Well, comfort is an added perk. But then again, people who drop the $6,000 extra are likely to spend more time offroad in their ZR2 than on pavement. If you're trying to make a choice, be real: the ZR2 is plenty of truck for folks with day jobs that don't entail daily dirt and jagged rocks.

The bottom line is that right now, Chevy and Toyota offer the most comprehensive lineups of midsize pickups. And in Chevy's case, the brand has really taken the lead in reviving the segment. If you're a serious offroader and you thought Toyota was the only small pickup in town, I've got news for you: the bowtie brand can loosen up and take to the trails — and then some.

 




How to download files on an iPad, and where to find them once they've downloaded

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ipad pro.PNG

  • When you download a file onto your iPad, you need to specify where the file will go and note that location if you want to be able to retrieve it later.
  • Unlike a Mac computer or PC, there is no specific file storage system for downloads on an iPad.
  • Using a cloud storage app like Google Drive or Dropbox is the best way to store all of your file downloads in one place on an iPad.
  • Visit Business Insider's homepage for more stories.

Finding a file downloaded onto a computer couldn't be much easier: You just open up the Downloads folder, and there it is, waiting to be opened, and enjoyed.

When you want to download a file to an iPad, however, the experience is much less straightforward. iPads have no dedicated file storage system; instead, you have to specify where a file should be stored at the time of its download.

If you don't want to spend all your time assigning various download locations to different apps, the best thing to do is get the Google Drive or Dropbox app on your iPad and use these as catch-all spots for your downloads.

Check out the products mentioned in this article:

iPad Pro (For $774.99 at Best Buy)

How to download files on an iPad to specific apps, and where they go

First, identify the file you wish to download — be it an MP4, a PDF, an image, or some other type of file — and consider where you should store it.

1. Hold your finger down on the file to be downloaded until a pop-up window appears with the file title in gray, above a list of options to take.

2. Tap the word "Share…"

3. On the next window, tap the icon above the words "Save to Files."

4. Choose the "On My iPad" option.

ipad

5. From the list that drops down, choose the location that best suits the file (or put it into Google Drive or Dropbox) and hit the word "Add."

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To retrieve the files you downloaded, you'll have to open the app you saved the file to.

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'Who blocked me on Twitter?': How to find out if a Twitter account has blocked you

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FILE PHOTO - The Twitter logo is displayed on a screen on the floor of the New York Stock Exchange (NYSE) in New York City, U.S., September 28, 2016. REUTERS/Brendan McDermid/File Photo

  • If you've been blocked on Twitter, you won't receive a notification that this has happened, nor is there a way to find a list of all the people who might have blocked you.
  • To see if someone has blocked you on Twitter, you need to go to their profile page, and check if there's a message saying you've been blocked. 
  • Visit Business Insider's homepage for more stories.

Twitter gives you various tools to control what you see in your feed, and one of those is the ability to block people whom you don't want to engage with. 

If someone has blocked you, the bad news is that you don't get notified. Nor is there anywhere you can go to see a complete list of accounts that have blocked you. 

But here is how to figure out if you're being blocked on Twitter, and by whom. 

How to find out who blocked you on Twitter

Since there's no way to simply see a list of the people and accounts blocking you, you need to investigate specific accounts that you suspect might be blocking you.

1. Start Twitter in a web browser or using the app on your phone. 

2. Use the search box to go to the profile of an account you think might be blocking you.

3. If you are being blocked, you will not be able to see the profile. Instead, you'll see a message that says "You're blocked. You can't see or follow [the blocker's] Tweets." 

block 1 2

What being blocked on Twitter means for you

Being blocked is sort of like being put in a digital penalty box — Twitter makes it impossible to view content from that person, or communicate with them on Twitter through your account.  

Specifically, if you've been blocked, you can no longer follow that person or read their tweets. Their tweets won't appear in your search results, either. You also can't tag the person who has blocked you in photos. 

In addition, you can't exchange direct messages with the blocker or view any Moments that account has created.

Related coverage from How To Do Everything: Tech:

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The best stand-up paddle boards you can buy

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  • The 10'6" Adventure Paddleboarding All Rounder Stand Up Paddle Board is a solid, high-performance board from one of the most reputable vendors in the outdoor goods business.
  • If you're ready to make the transition to a harder surfboard that will perform and turn in the waves and track better in windy conditions, this is the board for you.
  • Likewise, beginners will appreciate that this board will continue to accommodate them even as their comfort and skill levels progress.

Over the last decade, stand-up paddle-boarding has exploded in popularity. What began as an oceanic pursuit for a handful of surfers that included Laird Hamilton, Oahu's aquatic stuntman Brian Keaulana, and a few old-school surf instructors from Waikiki, has today become globally ubiquitous from beach breaks to harbors to lakes and hidden angling spots.

Today's market has evolved into a dizzying array of boards for fishing, racing, river running, flat water, and yes, surfing. Constructions run the gamut, too, from exotic epoxies, carbon, and fiberglass to incredibly durable foam and inflatable models. For a beginner especially, the choices can be overwhelming, and that's' where this guide comes in.

Because of these different genres and construction types, we decided to break paddle boards down into four categories: inflatable, soft, hard (surfing), and fishing — taking the beginner and first-time buyer into account.  The picks that follow are the result of hours of time spent on screen and on lakes, tidal creeks, and of course, the open ocean.

Among the most important considerations for stand-up paddle boards (SUPs) are weight and durability — two factors that are not always mutually exclusive. In the case of the boards that follow, we've tried to ensure that you'll not only be able to hoist the board onto the roof of your car, but that it also won't ding at the slightest bump or snap in half on a waist-high wave.

We also took market factors into consideration. Currently, the stand-up paddle board marketplace is as fluid as the ocean. Manufacturers, vendors, and models come and go seemingly overnight. We've tried to recommend well-warrantied products from companies we know you'll be able to deal with at least a year or two from now.

A final important factor to note is that if you have children who will be playing around with a stand-up board in the ocean or on flat water, we strongly recommend either an inflatable or our completely soft foam model recommendation. The last thing you need is a 25- or 30-pound, ten-foot-long airplane wing banging off your child's head or a rigid fin digging into their skin.

Here are the best stand-up paddle boards you can buy:

Updated on 07/26/2019 by Owen Burke: Added the Bōte Rackham AeroBōte as the best fishing SUP. Updated pricing and formatting.

Keep scrolling to check out our top picks.

The best overall

Adventure Paddleboarding's All Rounder is a solid, high-performance board for everyone from beginners to seasoned pros.

The All Rounder has a number of features going for it. First off, its construction is super durable, with an extruded EPS foam core that won't soak up water should the board take a ding. That's unlikely though because lain over the foam is a carbon fiber, epoxy, and fiberglass cloth bonded in place beneath underneath a tough epoxy resin. The EPS/epoxy combination makes the board a nicely light 24 pounds while its deep, perfectly balanced grab handle enables fatigue-free carrying.  

The board was clearly shaped by a surfer. Though it's plenty stable with a nearly five-inch-thick and 32-inch-wide deck, its surf-friendly construction includes nicely transitioned rails whose squared off shape near the board's base allows the board to pivot quickly into turns. And while you may not care about the double concave shape on the hull, this mild hull curvature translates into lift and speed when going down the line and traveling parallel to a wave's face.

At the tail, the board is gently rockered, which helps initiate turns. Though the board only ships with a large and rigid single fin, it features side plugs to add a pair of inexpensive FCS fins for extra bite in waves and straighter tracking in windy flatwater conditions.

We also liked the board's deck traction, which was very grippy but soft enough to keep your feet from going numb during a long paddle. Another thoughtful touch is a slight upturn at the back of the traction pad to keep your foot from slipping off the back of the board and giving a point of reference in turns.

The board is built with a series of plugs along the rails and deck for attaching a cargo net, or a nose-mounted GoPro — a great touring feature. For surfers above 195 pounds, REI also offers an 11'6" version of this board — and in typical REI fashion, a year-long warranty.

We'd love for this board to also ship with a paddle and leash, but for those items, you'll have to spend some extra money.

Pros: Lightweight, super strong, a real surfboard for real waves, REI customer service

Cons: More expensive than some other epoxy boards on the market, we'd love to see this sold as a package with a set of side bite fins, a leash, and a paddle

Buy Adventure Paddleboarding's 10'6" All Rounder at REI for $895

Buy a pair of BCS (FCS-style) side bite fins on Amazon for $14.67



The best soft board

Liquid Shredder's 10'6" standard soft board is incredibly durable and a lot of fun to paddle in when you're on open water or in small to medium surf.

In the decade and a half since founder Scott McClain began selling his "slick skin" surfboards from a Charleston garage, Liquid Shredder has refined its manufacturing process to a high degree. Liquid Shredder's 10'6" standard soft board is a feather-light 26 pounds and a very stable 32 inches wide and four inches thick.

Liquid Shredder uses a patented construction process. The company begins with a core of extruded polystyrene (EPS) foam that won't absorb water even if the board is punctured. The core is then reinforced with lightweight aluminum I-beam stringers to keep it from flexing or breaking amidst the waves. It is then literally shrinkwrapped inside a padded foam and seemingly bulletproof vinyl skin.

The rails (sides) of the board are then further wrapped all the way around in another protective layer of PVC. The board's ride is stabilized with a set of three soft, flexible fins with smaller 'sidebite' fins that help it track straight and stop it from sliding sideways in steeper waves.

We really liked thoughtful touches like an offset center hand grip which ensures that the short and long-armed can carry the board comfortably, a patch kit in case you should somehow manage to scrape a hole in the board's coating and a small Gore-Tex vent that purges air from inside the board in case you leave it out in the hot sun and the gasses inside it expand.

It also features a small plug near the tail to drain water should any ever intrude and a soft and grippy foot patch that extends over most of the deck.

I've owned my first Liquid Shredder for more than 10 years and it's still going strong. Treat this SUP with a little bit of TLC and it will last a very long time. The one-year warranty though, adds a nice peace of mind.

Pros: Lightweight, kid-friendly, durable, surfs well for a soft board, one-year warranty

Cons: Because the board is so lightweight, it can be a handful in windy conditions, which want to turn it sideways to the wind. We would also love to have some tie downs to secure gear to the deck.

Buy the 10'6" Liquid Shredder SUP from Amazon for $799 (also available in 10' and 11'6")



The best inflatable board

The Tower Adventurer inflatable is a durable, sturdy, and easy-to-use inflatable stand-up paddleboard.

Back in 2012, standup paddleboarder Stephen Aarstol appeared on NBC's Shark Tank and convinced billionaire Mark Cuban to take a $150,000 chance on his small paddleboard company. Since that time, Tower has exploded in sales from $100,000 to better than $25 million. The company's formula is quality gear at an affordable price coupled with solid customer service, and it sure works. That's why its inflatable SUP is our favorite.

For a lot of folks, an inflatable SUP makes perfect sense. They're easy to transport, safe for kids and beginners, and with modern composite materials — like military-grade outer skins — incredibly durable. So much so that inflatables are the board of choice for SUP'ers on rock-strewn rivers.

Boards like the Tower Adventurer are made rigid when blown up, thanks to a nifty bit of technology that uses tens of thousands of gossamer threads that join the upper and lower decks. When inflated, the threads act like a network of tiny support columns. At 6 inches, the Adventurer is thicker than many inexpensive inflatable boards, giving it the rigidity of a hard, epoxy-built board. Its seams are also glued with a super strong epoxy. You'd have a very, very hard time splitting it.

The Adventurer features a mildly flexible and easily removable center fin and a pair of permanently affixed 'side bite' fins to help keep the board straight in wind and waves. It comes with a hand pump and gauge and inflates to its full 11 PSI pressure in a few minutes. Note that you will exert yourself blowing it up, and you might be happier with one of the brand's 12-volt electric pumps.

Out on the water, the Adventurer tracks straight and surfs surprisingly well on even medium waves and its soft construction is a confidence booster for any beginner. At 24 pounds, it's also surprisingly light. We've even tested a Tower amidst the waves and sharp coral of Fiji. It glided across the waves and even took the occasional scrape across the reef without puncturing. The three-piece paddle is not as light as high-performance models, but proved durable and perfectly serviceable.

We also really like Tower's inclusion of a carrying strap and its two-year warranty. Some of the company's most oft-cited online praise cites its prompt and attentive customer service. If the board should lead you to spend more time on the water than you think you should, Tower also includes a copy of Stephen Aarstol's book, "The Five Hour Workday" as part of the package — to help you justify your newfound addiction.  

Amazon buyers are exceptionally pleased. More than 500 reviews earned the board a 4.5-star average, and 77% of reviewers gave it 5 stars.

If there are downsides to the board, it's in the fact that, like any other lightweight rounded nose board, it's pretty susceptible to being blown sideways in a stiff breeze. Like essentially every other inflatable, too, you can't really turn this board and hold it in line against the wave using its side edges, or 'rails'. They're simply too big and rounded.

When surfing, you have to turn this board by weighting the back. We would love to see D-Rings on this model to attach gear up front, but for just over $500, you can't have everything.

Pros: Lightweight, very stiff, tracks nicely on waves and even amidst mild chop

Cons: Flimsy pump, doesn't do very well in wind and could use D-rings up front. We'd like it even more if it came with a bag and leash.

Buy the Tower Adventurer Inflatable SUP from Amazon for $779

Buy the BPS Storm leash from Amazon for $14.97

Buy the Tower iSUP Backpack from Amazon for $59.95

Buy the Tower Premium iSUP 12-volt electric pump from Amazon for $139.00



The best for surfing

Naish has been making surfboards since the late 1970s, and the 9'5" Mana GTW may be far from the best paddler, but it's a great surfboard.

If you want a board that can perform in the surf, you'll want to be sure it incorporates something called rocker, which is the front-to-back concave of a board's hull that allows it to sit more comfortably on a wave's face, where a straighter, flatter board (which is great for touring and steady tracking) would be more difficult to maneuver. You'll also want a wider board — at least while you're starting out — for stability.

But whether you're a beginner or not, this is a great board for anyone, especially those planning to ride smaller waves (i.e., most of us). At 9-feet, 5-inches, it's still short enough for sportier spirits to surf a little more aggressively, thanks to the V-rocker and the rockered tail, which really lets you walk back and pivot into a turn with relative ease.

This board will also float most people with its 163-liter volume and 4.75-inch thickness, which grants it the ability to float 210 pounds of human and gear or dog, or pretty much whatever you're willing to strap or try to balance atop its deck.

But just because it can float a lot of weight does not mean it's stable. Maneuverability almost always comes at the cost of stability, and being only 10 feet long this board does not track well, so don't bother trying to take it touring, and if you want a more hybrid-style paddle board, consider our main pick, Adventure Paddleboarding's All Rounder instead.

Outdoor Gear Lab reviewed the previous model of the Naish Mana GTW (which was just seven inches longer and a half-inch thinner) calling it a "great choice for surfing" but complained about it being too slow to track and compete with their other boards, which were all tested for touring, and not so much surfing. Beginners complained that the board felt a little unstable, that is until they found their footing. Again, if you're really set on specifically surfing, this could be a good SUP for you. If not, look for something a little more hybridized.

Pros: Shaped ideally for small to moderate surf, solid construction, exceptionally buoyant

Cons: Too short to perform as a touring paddle board, somewhat unstable, requires deft footing (but this will teach you quickly where to stand and when)

Buy the 9'5" Naish Mana GTW from Liquid Surf and Sail for $1,669 (originally $1,849)



The best for fishing

The Bōte Rackham AeroBōte makes fishing from a SUP, which is otherwise designated for the most nimble and deft-footed, easy enough for just about anyone.

Fishing from a stand-up paddle board (or SUP) can be highly productive: You're stealthier, you don't draw nearly as much water as you would in a skiff or even most kayaks, which means you're able to work your way into skinnier water, and you're kept high and dry, as opposed to wading.

But then, it can also be something of a challenge: Wind and swell are often keeping your balance in check, anchoring or sitting still is a chore that either requires a lot of paddling or an actual anchor and something to fix it to, and then there's all your gear, which, at any moment, could end up in the drink.

I've always been cautious when heading out fishing on a SUP. I only bring one fishing rod, a small box of flies, a knife that I keep strapped to me, and maybe I'll bring a water bottle, but only if there's mesh or bungee netting to hold it in place. Otherwise, Keeping tabs on both a water bottle and a fly rod or balancing them while trying to paddle gets beyond cumbersome.

There are DIY/jury-rigging solutions to all of this. A pair of bungee cords linked together can make a strap or two, but you have to wrap them around the underside of the board, which creates drag and costs you speed. It's also not the sturdiest thing in the world. You could drill holes into your board, too, but that takes a degree of expertise (and a time commitment) that many of us don't have. It can also get messy and ugly.

But Bōte's Rackham AeroBōte is different.

First of all, at a lengthy 12 feet and 4 inches, this SUP really is bordering on a boat, and it's nearly as stable as one. The only way I fell off was by trying to navigate around the lean post, which was a stupid thing to do, frankly.

Accessorizing the Rackham ends only with your imagination. There are D-rings, bungees, and Velcro galore. Conveniently placed handles make portages and dragging it up the beach a breeze, while an airplane-ready storage bag cinches the whole thing down so you can take it just about anywhere.

The non-slip deck is a no-brainer, but I must add that it feels notably pleasant under bare feet, and the optional lean post makes for a surprisingly comfortable full day on the water. The Rackham is also cooler- or bucket-ready, so you can take a seat, too. I opted to leave mine on the beach for no good reason at all, other than that I thought I'd want the open deck space. In the end, there was plenty, and it would have not only been nice to have a seat but a place to stash and keep a few drinks and snacks chilled.

The lean post is also a nice addition to have underway. It stores fishing rods, and, again, helps you take a little load off while you're paddling or poling along.

The Rackham comes with an adjustable three-piece paddle, which is lightweight and quickly stores in a paddle sheath near the bow for getting your hands free quickly, which I loved when spotting a fish. I don't know how many times I've bent down or turned around to drop my paddle only to spook the fish I was stalking with the loud clank of it hitting the rails of a kayak or the deck of a SUP. This feature should not go overlooked.

Nor should the push pole, which boaters in shallow water use to push along in lieu of a paddle. The brand calls it a "Sandspear" (though keep in mind that it's not included). I'd never thought that a push pole would make all that much sense with a paddleboard, but cruising the sand and grass flats made it pretty clear that I could cover twice as much water with far more stealth than with a paddle, which makes a good deal more noise. You can also add on a little sheath for the push pole, which you can use to anchor in the shallows.

So much of the above rings up a cringe-worthy price tag, I know. But keep in mind that boats are still far more expensive, and if you want a functional, portable, and comfortable fishing SUP, it's going to cost you one way or another, especially if you're not building it yourself. The advantage here is that it's still the fraction of a flats boat, and you can kit it out as you go along, when and where your budget allows. Stripped down, it's still a fun and fishable board, and you'll enjoy the little improvements you make along the way all that much more.

Sure, a full-sized skiff can accommodate more than one person, and the Rackham AeroBōte isn't cheap, but if you like to fish, and you live anywhere near a good, calm fishing hole, fresh or salt, there's nothing better for your adventuring. And, if you want to step it up a bit further, Bōte also offers the Rover Aero Classic, a stouter, micro-skiff-stand-up-paddle-board hybrid that's outboard-engine-ready.

If I ever end up with my beach- or marsh-front dream house, the Rackham, if not the Rover Aero Classic will be my very first purchase. And, if I manage to scrape up some extra dough beforehand, it might just save me a small fortune on charter and rental boat fees every time I fly somewhere to fish.

There aren't many (if any) solid reviews of the Rackham AeroBōte around the world wide web, but you can watch people catching big fish (a kingfish, or king mackerel, outside the surf), bigger fish (a tarpon), and even very big fish (a five- or six-foot blacktip shark) atop similar models on YouTube. You can read my full review here. Owen Burke

Pros: Stable, maneuverable, and the most customizable, comfortable fishing SUP I've ever tried; comes in camo for hunting

Cons: Expensive; paddle, push pole, lean post, and all other accessories sold separately; not exactly fit for surfing

Buy the Bōte Rackham AeroBōte Inflatable Stand-Up Paddle Board on Amazon for $1,699

Buy the Bõte Sand Spear 8-foot Pole from West Marine for $120

Buy the Bōte Tackle Rac Paddleboard attachment from REI for $200

Shop all Bōte stand-up paddle boards and accessories at REI, Moosejaw, or Amazon



Check out our other outdoors-related buying guides

The best mineral sunscreens you can buy

Mineral sunscreens are highly effective, and far less toxic to small aquatic creatures that can metabolize chemical-based sunscreens, but they usually leave a streaky white mess. We'll never stop searching for the perfect solution, but Thinksport's SPF 50+ Sunscreen is the best trusty, eco-friendly, and almost-sheer option. For the face, Raw Elements' Tinted Facial Moisturizer with SPF 30 is on the greasier side, but it blends in better than any others we've tried. Here are all of our picks:


The best sun shirts you can buy

While sunscreen helps keep sunburn and cancerous skin cells from forming, the best prevention is to wear clothes. But even lightweight cotton and linen shirts still allow a good deal of the sun's harmful rays to pass through to your precious epidermis. Do yourself a favor and reach for sun protection clothing, even if you're already wearing sunscreen. Our favorite sun shirt is the Hurley Icon QuickDry Shirt because it's lightweight, protective, and fast to dry.


The best stylish women's sun protection clothing with UPF

Let's face it: sometimes sunscreen isn't enough, especially since dangerous UV rays can penetrate your clothing. Instead of risking it, avoid future sun damage by wearing stylish garments with UPF 50 protection.

To help you find the most stylish sun-smart offerings on the market, we've rounded up five fashionable brands that sell clothing with a minimum of UPF 50.

Here are the best sun protection clothing brands:


The best board shorts you can buy

We've tested nearly a dozen board shorts, and researched many more. After wearing them both in and out of the water, Patagonia's Stretch Planing Board Shorts win our praise for being lightweight, unrestrictive yet sleek, affordable, and the quickest drying pair we tested.


The best sunscreen you can buy

Daily use of a good sunscreen like the Coppertone Ultraguard SPF 70 or theGoddess Garden Organics' Everyday SPF 30 Natural Sunscreen will fend off sunburns today, and help prevent the skin damage that leads to aged, wrinkled, blotchy skin later on in life. Here are the Insider Picks:



Nordstrom is dropping a small selection of daily deals at special prices during its Anniversary Sale — here's where to find them

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What surprise deals will Nordstrom drop this week?

  • The Nordstrom Anniversary Sale is one of the summer's biggest saving events. Now through August 4, shoppers can find deep discounts on brand-new products from name brands in fashion, beauty, and home goods. 
  • Between July 22 and 29, Nordstrom is also dropping a new surprise deal each day, offering customers even better prices on select items. 
  • Check back here each day, or bookmark this page, as we'll be updating it with the daily deals as they are released.

With Amazon Prime Day, Target Deal Days, and the Nordstrom Anniversary Sale, Summer 2019 has been marked by days filled with deals and discounts. If you're on top of the sales events of the season, you surely know about the Nordstrom Anniversary Sale — the company's annual sitewide savings event, boasting some of the biggest discounts and best deals you'll see all year. 

This year, the Nordstrom Anniversary Sale is running from July 19 to August 4. At just over two whole weeks long, there is more than enough time for you to scour the site for great deals on brand name men's and women's fashion, home goods, and exclusive beauty launches.

Now through July 29, Nordstrom is giving you even more ways to save. Over the course of the next seven days, the site is dropping a deal on a brand-new item every day. We're not sure exactly what time the sales are launched each day, but from what we've seen so far, we think it's midday. We'll be keeping track of the daily deals right here, so you're always up to date. 

Check out the surprise daily deals from the Nordstrom Anniversary Sale:

July 26: B.P. High Rise Leggings

B.P. High Rise Leggings, $9.90

(After sale: $19) [You save $9.10]

A pair of comfortable black leggings is a closet staple that'll take you from lounging on the couch to running errands. Reviewers say this pair fits true to size, has a nice opaque color, and includes a stretchy, extra-high waistband that gives them a smooth-all-over look. At just under $10, you won't regret adding these to your cart. 

Shop all women's deals at the Nordstrom Anniversary Sale



July 25: Becca Cosmetics Becca Rose Glow Kit

Becca Cosmetics Becca Rose Glow Kit, $48

(Valued at: $90) [You save $42]

In my opinion, one of the coolest features of the Nordstrom Anniversary Sale is the number of beauty exclusives— makeup, skin-care, and hair-care sets that you can only get at the sale. Starting today, you can get your hands on four best-selling products from Becca Cosmetics, in an affordable, giftable set. A shimmery highlighter, luminous makeup primer, shiny lip gloss, and a cooling powder are all you need to achieve a summer glow. 

Shop all beauty exclusives at the Nordstrom Anniversary Sale



July 24: Blondo Vegas II Waterproof Bootie

Blondo Vegas II Waterproof Bootie, $69.90

(After sale: $149.95) [You save $80.05]

Don't let a rainy day sacrifice your style. Thanks to a waterproof finish, you can wear these booties no matter the weather forecast. A chunky wooden heel, soft leather upper, and simple silhouette make these a classic and highly versatile style. 

Shop all women's boot deals at the Nordstrom Anniversary Sale

 

 



July 23: Natori Feathers Underwire Contour Bra

Natori Feathers Underwire Contour Bra, $33.90

(After sale: $68) [You save $34.10]

Mesh covers that mold to your chest, a lace band that lays flat under clothing, and stretchy elastic work together for a just-right, flattering fit that makes the Natori Feathers bra a Nordstrom customer favorite. 

Shop all women's lingerie deals at the Nordstrom Anniversary Sale



July 22: Zella Resolve Racerback Tank

Zella Resolve Racerback Tank, $19.90

(After sale: $35) [You save $15.10]

Ring in the first deal of the day with this Zella workout top. This sleek racerback tank is made with a combination of polyester and spandex to keep up with you as you move. What makes this piece stand out, though, is an odor-defying finish that'll diffuse any funky post-workout smells — so you can leave the gym smelling fresh, even if you're not feeling it. 

Shop all women's activewear deals at the Nordstrom Anniversary Sale



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

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"In a free-market economy, anyone can make as much money as they want," emphasizes self-made millionaire Steve Siebold, who has also studied over 1,200 of the world's wealthiest people. That applies to 20-somethings.

To help you reach the seven-figure mark by 30, we rounded up 11 pieces of advice from people who became millionaires at a young age and people who have studied hundreds of self-made millionaires.

Read more: 2 men who studied millionaires for over 20 years developed a formula that classifies Americans in 3 different categories of wealth

We can't guarantee millionaire status, but following this advice won't hurt your odds.

SEE ALSO: I always wanted to be a millionaire. After Jeff Bezos took an interest in my company, I became one — and it was nothing like I expected.

DON'T MISS: 20 rags to riches stories that will blow your mind

1. Focus on earning

"You cannot save your way to millionaire status," writes Grant Cardone, who went from broke and in debt at 21 to self-made millionaire by 30. "The first step is to focus on increasing your income in increments and repeating that."

"My income was $3,000 a month and nine years later it was $20,000 a month. Start following the money, and it will force you to control revenue and see opportunities."

Earning more money is often easier said than done, but most people have options. Read about how to bring in additional income, some high-paying jobs you can do on the side, how you can earn passive income, and the first step to take before starting any business, from an entrepreneur who earns up to $170,000 a month.



2. Develop multiple streams of income

One way to earn more is to increase your streams of income.

In author Thomas C. Corley's five-year study of self-made millionaires, he found that many of them develop multiple streams of income: 65% had three streams, 45% had four streams, and 29% had five or more streams.

These additional streams include real-estate rentals, stock market investments, and part-ownership in a side business.

"Three streams of income seems to be the magic number for the self-made millionaires in my Rich Habits study, but the more income streams you can create in life, the more secure will your financial house be," he writes.



3. Save to invest, don't save to save

Writes Cardone:

"The only reason to save money is to invest it. Put your saved money into secured, sacred (untouchable) accounts. Never use these accounts for anything, not even an emergency. This will force you to continue to follow step one (increase income). To this day, at least twice a year, I am broke because I always invest my surpluses into ventures I cannot access."

Investing is not as complicated or daunting as we make it out to be. The simplest starting point is to contribute to your 401(k) if your employer offers one, and take full advantage of your company's 401(k) match program — which is essentially free money — if it has one.

Next, consider contributing money toward a Roth IRA or traditional IRA, individual retirement accounts with different contribution limits and tax structures — which one you can use depends on your income. If you still have money left over, you can research low-cost index funds, which Warren Buffett recommends, and look into the online-investment platforms known as "robo-advisers."

The key to consistently setting aside money is to make it automatic. That way, you'll never even see the money you're contributing and you'll learn to live without it.



4. Be disciplined and decisive

Rafael Badziag, an epert in the psychology of entrepreneurship, discusses the long-term habits of billionaires his book "The Billion Dollar Secret: 20 Principles of Billionaire Wealth and Success."

He spent five years interviewing 21 self-made billionaires and found that along with other things, they are all disciplined, Business Insider previously reported.

"The billionaires I interviewed are the most disciplined people I have ever met," Badziag wrote. "They put a high standard on themselves and on the people around them."

After studying over 500 millionaires, journalist and author Napoleon Hill found that they all shared one quality: decisiveness.

"Analysis of several hundred people who had accumulated fortunes well beyond the million dollar mark disclosed the fact that every one of them had the habit of reaching decisions promptly," Hill wrote in his 1937 personal-finance classic "Think and Grow Rich."



5. Don't show off — show up

"I didn't buy my first luxury watch or car until my businesses and investments were producing multiple secure flows of income," writes Cardone. "I was still driving a Toyota Camry when I had become a millionaire. Be known for your work ethic, not the trinkets that you buy."

Need inspiration to save more and spend less? Read up on tips and strategies from regular people who saved enough of their incomes to retire before 40.



6. Change your mindset about money

"Getting rich begins with the way you think and what you believe about making money," self-made millionaire Steve Siebold explains.

At the end of the day, "The secret has always been the same: thinking," he emphasizes. While the masses believe becoming wealthy is out of their control, rich people know that making money is really an inside job."



7. Invest in yourself

Many modern-day successful and wealthy people are voracious readers. Take Warren Buffett, for example, who estimates that 80% of his working day is dedicated to reading.

They also focus on healthy. Every billionaire Badziag interviewed had a strict exercise routine



8. Ditch the steady paycheck

Rich people are typically self-employed and determine the size of their own paycheck, Siebold writes: "It's not that there aren't world-class performers who punch a time clock for a paycheck, but for most this is the slowest path to prosperity, promoted as the safest. The great ones know self-employment is the fastest road to wealth."

While the world-class continue starting businesses and building fortunes, average people settle for steady paychecks and miss out on the opportunity to accumulate great wealth.

"The masses almost guarantee themselves a life of financial mediocrity by staying in a job with a modest salary and yearly pay raises," Siebold says.



9. Set goals and visualize achieving them

If you want to make more money, you have to have a clear goal and then a specific plan for how to achieve that goal. Money won't just appear — you have to work at it.

Rich people choose to commit to attaining wealth. It takes focus, courage, knowledge, and a lot of effort, self-made millionaire T. Harv Eker emphasizes, and it's possible if you have precise goals and a clear vision: "The number one reason most people don't get what they want is that they don't know what they want. Rich people are totally clear that they want wealth."



10. Start hanging out with people you admire

Andrew Carnegie, who started with nothing before becoming the richest man in the US, credits all of his riches to one principle: the Master Mind.

The idea is to surround yourself with talented people who share your vision, because the alignment of several smart and creative minds is exponentially more powerful than just one.

Plus, we become like the people we associate with, which is why the rich tend to associate with others who are rich.

"In most cases, your net worth mirrors the level of your closest friends," explains Siebold. "Exposure to people who are more successful than you are has the potential to expand your thinking and catapult your income. The reality is, millionaires think differently from the middle class about money, and there's much to be gained by being in their presence."



11. Shoot for $10 million, not $1 million

"The single biggest financial mistake I've made was not thinking big enough," writes Cardone. "I encourage you to go for more than a million. There is no shortage of money on this planet, only a shortage of people thinking big enough."



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