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The 20 best places to live overseas

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Expat Explorer 2015 map

Tired of your old job? Looking for a new environment? There are many reasons to leave your home country in search of greener pastures, but picking where to go can be an overwhelming decision. Job opportunities, salary, quality of life, safety, and childcare are just a few of the factors to consider.

For those looking to make the move, HSBC's annual Expat Explorer survey is an excellent resource. The survey ranks the top countries based on experience, economics, and raising children abroad, with subcategories for each group — and a lot can change in a year.

Last year's number one, Switzerland, dropped to 10, India jumped way back from nine to 17, and new countries entered the top 20 ranking.

Keep scrolling to see which countries stole the top spots, and maybe find a place to make a fresh start.

Harrison Jacobs contributed to an earlier version of this post. 

SEE ALSO: Singapore's public housing buildings are colorful optical illusions

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20. Malaysia

Adventurous and social expats are likely to head to Malaysia. Sixty-three percent say their greater disposable income and better work/life balance give them time and money for a social life.

Those who make the move seem to love it, with expats in Malaysia scoring highly for making friends. 

The country is only middle of the pack, however, in economic measures and raising children abroad. The quality of childcare is not good, but 60% of parents do feel the overall quality of life is better for their children. 



19. Mexico

According to one expat, "If you love color, noise, laughter, history, culture, you'll love Mexico." Those who moved to Mexico acclimated themselves with the culture and lifestyle quicker than other countries. 

After only two years, 76% of expats claim the country feels like home, compared to the 62% global average. No surprise: 82% enjoy the Mexican cuisine.

However, the country ranked below average for career progression and financial benefits, despite its high ranking for overall experience. 

 



18. Czech Republic

Although expats found family integration here to be difficult, the cost of raising children is ranked fourth out of all the countries. 

According to HSBC, Czech Republic is one of Central Europe's most industrialized economies, making it a prime spot for international foreign investment. The country also ranks high in work-life balance. 

The country's high standard of healthcare puts it in the top 10 compared to other countries.  

 

 



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17 tech toys and gadgets from the 90s that we want back

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friends nbc

The '90s was a decade that was famously rough for the tech industry as a whole.

But it did bring us tons of gadgets and innovative gadgets.

In honor of that nostalgic feeling, we're taking a look back at our favorite gadgets from the 1990s, the decade when the World Wide Web first started to change our lives.

Back then, our flannel was loose, our jeans were high-wasted, and our tech gadgets were cool.

 

SEE ALSO: 16 Tech Gadgets From The 1980s That We Want Back Right Now

After watching "Home Alone 2," everyone wanted a Talkboy. This little gadget let you record and playback whatever you wanted, plus speed up or slow down recordings to make yourself sound ridiculous.

Check out this old Talkboy commercial



The Sega Genesis, which came bundled with Sonic the Hedgehog, was technically released in the U.S. in 1988 but didn't start really winning our hearts until the '90s.



It didn't matter that your Sony Discman would skip despite its anti-shock protection, you loved it all the same.



See the rest of the story at Business Insider








15 incredible places to pitch a tent this fall

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arches national park

The weather may be warmer in the summer, but camping in the fall often means escaping crowds and exploring stunning natural sites in peace. 

We've put together a collection of destinations that offer everything from beautiful foliage to clear skies you can enjoy year-round. 

From the dramatic landscape of Utah's Arches National Park to star-filled skies in Africa's Sahara Desert, here are 15 unique destinations for camping this fall. 

SEE ALSO: 14 gyms to work out at in your lifetime

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Milford Sound is a fjord located on the west coast of New Zealand's South Island. Described by Rudyard Kipling as the "eighth wonder of the world," the fjord is home to breathtaking mountain peaks and cascading waterfalls. Campervan spots can be arranged through the Milford Sound Lodge.

Click here to learn more about Milford Sound Lodge »



Bothe-Napa Valley State Park is located at the edge of Napa wine country in Calistoga, California. It features a 1,900-acre park with 10 miles of trails and 50 campsites spread out among redwoods and firs.

Click here to learn more about Bothe-Napa Valley State Park »



At Arches National Park in southeast Utah, visitors will discover an otherworldly landscape of contrasting colors, 2,000 natural stone arches, hundreds of soaring pinnacles, and massive fins. Going in the fall allows you to miss the craziness of the park’s busiest season, which goes from May to October. The Devils Garden Campground is open year-round for campers.

Click here to learn more about Arches National Park »​



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There's a hidden wire stretched above American cities — and very few people know what it's actually for

13 animals that have no idea how they got here right now

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animals

The great thing about animals, domestic and wild, is that they don't ask for invitations. They just wander around poking their cute faces wherever.

And sometimes humans put animals in places they really shouldn't be. Like in the sling of a hang glider. Or the front seat of a motorcycle. Keep scrolling to see some very amusing photos of all of the above — and then some.

This alpaca is not happy with the neck room in his economy car.



This eagle doesn't want you to sit next to him.



This sloth is going to be in big trouble if he doesn't get down now.



See the rest of the story at Business Insider

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22 photos that show the grit and the glamour of Studio 54, New York City's most infamous club

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studio54 elton john pulling up his pantsOn April 16, 1977, crowds of hip revelers cheered as nightclub Studio 54 first opened its doors at a building on 54th Street in New York City. 

It would only be open in its original form for 33 months, but it soon became known as one of the hottest and most exclusive clubs in town, making a whopping $7 million in its first year alone.

The space would later be adapted into a theater, but Studio 54's party scene in the '70s and early '80s will forever be remembered for its wild nights, high-profile guests, and massive crowds. 

We've put together a collection of photos that will take you back more than thirty years into the club. 

SEE ALSO: 21 beautiful old buildings that no longer exist

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Studio 54 officially opened its doors on April 16, 1977, in a building that previously housed a theater. The club quickly became popular, with regular crowds lingering outside in the hopes of getting in.



Steve Rubell (pictured in the short satin jacket in the center) was the co-owner of Studio 54 and often the one to determine who was cool enough to enter. The club became notorious for its exclusivity thanks in part to Rubell's motto: "The key to a good party is filling a room with guests more interesting than you."



Still, the dance floor was consistently packed with people dancing to disco beats. Among the guests were an array of high-profile influencers and celebrities.



See the rest of the story at Business Insider

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UNDER 35 AND CRUSHING IT: Meet the most ambitious young founders in New York who are building the next giant companies

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harry's founders

The New York tech scene is exploding with talent, from serial entrepreneurs and investors who have been buildling companies for years to a crop of young founders who are embarking on their first startups.  

In fact, some of the coolest new companies on the east coast are being built by people who are in their 20s and 30s. 

Culled from our list of the 2015 Silicon Alley 100, here are dozens of startup founders and CEOs doing amazing things in New York tech and beyond — and they're all under 35.

SEE ALSO: THE SILICON ALLEY 100: Meet the most inspiring and influential people in New York tech right now

SEE ALSO: These are the 65 hottest startups in New York City

AND ALSO: Meet 23 of the most innovative and inspiring women in New York City tech

Alfred founder Marcela Sapone is 29

Cofounder and CEO, Alfred

Marcela Sapone, 29, and Jessica Beck met at Harvard Business School, fresh out of stints in the finance world. To keep their lives in order and their apartments clean, they had hired someone from Craigslist to buy their groceries and do their laundry. The woman they hired, Jenny, came to their apartments to take care of errands that would otherwise pile up. This was the earliest iteration of what would become their company, Alfred.

Today, Alfred is a startup that hires employees — Alfred Client Managers, or just "Alfreds" — to run weekly errands: things like buying your groceries, sorting your mail, dropping off packages, and taking care of your laundry for you. You pay $99 a month for the service, plus the cost of things like your groceries.

In May, Alfred raised a $10.5 million Series A round of funding from New Enterprise Associates, Spark Capital, CrunchFund, and Sherpa Capital. In total, Alfred has raised $12.5 million since it was founded in 2013.



Dan Teran, 26, and Saman Rahmanian, 33, cofounded Managed by Q

Cofounders, Managed By Q

Named for the "Star Trek" character and James Bond's Q Branch, Managed By Q is a mobile platform that helps companies book cleaning services, making it easier than it traditionally has been for companies to schedule, manage, and pay the people who clean their offices.

This year, the office-cleaning startup – founded by 26-year-old Dan Teran and 33-year-old Saman Rahmanian – expanded out of New York City for the first time, launching its operations in Chicago and San Francisco.

In June, the startup closed a $15 million series A round of funding led by RRE Ventures with participation from Greycroft Partners, Homebrew, Sherpa Ventures, SV Angel and Steadfast Financial. Managed by Q’s clients include Uber, Everlane, and Angelist.



DWNLD cofounder and CEO Alexandra Keating is 29

Cofounder and CEO, DWNLD

These days it seems like everybody has an app in the App Store. And why not? It's a great way to make  extra money while putting out a product that you believe in. Alexandra Keating, 29, is capitalizing on that idea with DWNLD, a mobile app-creation platform that helps companies, brands, and other influencers easily and affordably turn their content, from social media to photos to videos to GIFs, into native mobile apps in minutes. DWNLD landed a $12 million investment from Greylock Partners in September,and works with clients like Nylon, xoJane, and a number of YouTube stars and bloggers.



See the rest of the story at Business Insider

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People have all sorts of conspiracy theories about Denver's airport — here's why

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Denver Airport MoonEven before the current Denver International Airport opened in 1995, even when it was a mere blueprint, it was the subject of countless conspiracy theories.

To this day, the notoriously bizarre airport is shrouded in secrecy, riddled with weird statues and creepy art, and abounding in myths.

There are some crazy conspiracy theories surrounding the airport's true purpose, many of which stem from the airport's confusing origins.

To start with, people don't understand why DEN airport was built in the first place, since there was a fully functioning one closer to downtown.

It's also enormous — the airport is twice the size of Manhattan— and was $2 billion over budget.

The airport also features a plethora of creepy art and strange décor that people don't understand.

Denver airport mustang statue

It's famous for its terrifying, 32-foot-tall statue of a giant horse with fiery, glowing eyes. Even creepier, the red-eyed statue, called Blue Mustang, killed its sculptor, Luis Jiménez. It fell on him and severed an artery.

Inside the airport, there are also murals of a devil jumping out of a suitcase, as well as a statue of Anubis, the ancient Egyptian god of death. Some of the most controversial murals have now been removed, but they featured a character that resembled a Nazi officer in a gas mask, children in front of a burning building, and kids gathered around a knife.

Some have interpreted one mural as America submitting to Germany, as it depicts a Boy Scout handing a boy in Bavarian clothing his weapons.

Many people believe that this much money and space must be hiding something sketchy. Here are some of the craziest conspiracy theories surrounding the airport.

It was built by Nazi-group the New World Order

Denver Airport DedicationSome conspiracists point to the fact that the airport was built by a mysterious group.

A dedication marker and plaques around the airport maintain that it was funded by "The New World Airport Commission," but a little digging shows that no such group seems to exist, which is why people believe it is in actuality the Nazi group the New World Order.

It's the Illuminati's headquarters

Other theories suggest that since the plaques depict the Masonic square and compass symbol, it must be an Illuminati group.

Adding fuel to that fire is the date of the airport's dedication: March 19, 1994. If you add those numbers together — 1+9+1+9+9+4 — you get 33, the highest level one can achieve in Freemasonry and which represents perfection.

Theories posit that the $2 billion the airport went over budget went into building the Illuminati's HQ beneath the airport. Allegedly, when the airport was first built, it somehow screwed up the first five buildings. Instead of removing them, they're said to have been buried … which sounds like a pretty swank underground lair.

Denver Airport

It's hiding fallout shelters

Other conspiracists claim that the airport is hiding underground tunnels and secret bunkers meant to house world leaders in case of some sort of disaster or apocalypse. Apparently, when the airport was first built, it housed a newfangled automated baggage system in its bowels, but the system never worked.

Despite its astronomic cost and the amount of space it takes up, it was never fixed, so many believe it was a way to cover up the existence of multiple tunnels leading to an underground bunker.

Denver airport aerial

Its runways resemble a swastika when viewed from above

If you squint really hard, you'll see it.

SEE ALSO: Here's why hotel stars are meaningless

FOLLOW US: BI Travel is on Twitter!

Join the conversation about this story »

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These are the only 2 known photos of Chopin, one of the world's greatest composers

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Chopin, one of the world's greatest composers was born in Poland in 1810 and moved to Paris when he was 20 years old. After moving to France, Chopin sustained himself by teaching piano lessons and selling his works. 

Some of his most famous pieces are his nocturnes and more than 150 years after his death are still played regularly throughout the world.

The first picture of Chopin was taken in 1846 or 1847 according to British classical pianist and composer, Jack Gibbons. 

Here's the first image:

Frédéric Chopin, photographed in 1846 or 1847.

Here's the second and final image:

Frédéric Chopin by Bisson, 1849

The second picture was taken in 1849 by Louis-Auguste Bisson, a few months before Chopin died of what doctors thought was tuberculosis.

Chopin was 39 years old at the time of his death.

Here's one of Chopin's most famous works:

Join the conversation about this story »

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The 17 best icebreakers to use at awkward social events

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awkward

If you listen closely after someone asks, "So what do you do?" you can almost hear the other person's eyes roll as they recite their 30-second elevator pitch.

But talking to new people doesn't have to be such a drag.

There are ways to get the conversation going without resorting to irritating clichés.

Check out these 17 icebreakers that will help ease you into an engaging conversation with people you've never met before.

SEE ALSO: How to talk to anyone at a networking event

"What kind of volunteer work do you do?"

Asking people about their volunteer work will open up "a world of wonderful conversation," writes strategy consultant Alice Korngold on Fast Company

Korngold says she especially enjoys meeting people who work on nonprofit boards because she gets to learn about how an organization was founded, how the person got involved with it, and about the "fascinating group dynamics of boards." 



"Are you originally from [wherever the event is], or did your business bring you here?"

This question will help you jumpstart an engaging conversation with ease because "it doesn't feel like you are asking for a stiff elevator speech," Diane Gottsman, national etiquette expert and owner of The Protocol School of Texas, tells U.S. News & World Report

The conversation will allow both parties to talk about themselves, which is the ultimate goal of career-savvy people attending a networking event, Gottsman says.  



"Man, these networking events can be so crazy. Mind if I join you over here where it’s a little quieter?"

Find someone on the outskirts of the ongoing conversations and introduce yourself, says Ariella Coombs, content manager for Careerealism.com. 

Since they are alone and possibly looking miserable, they are probably uncomfortable with the social situation, Coombs says. By initiating the interaction, you can help to put them at ease and get them in the flow of a conversation. 



See the rest of the story at Business Insider

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Famous last words from history's most iconic men

These are the strangest conventions in America

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CW_MerFolk(Drooker)

Each year, there are approximately 1.8 million conventions, conferences, and trade shows in the United States. Conventions are a big business and, for many, an even bigger social event.

From clown conventions to BronyCon, conventions provide an outlet for niche communities to gather and celebrate their sometimes unusual interests with like-minded people.

For the last two years, photographer Arthur Drooker has been investigating the sometimes weird, always interesting world of conventions. Through them all, he's found one common theme.

“No matter what they’re about, where they’re held or who attends them, all conventions satisfy a basic human urge: the longing for belonging,” says Drooker.

Drooker shared some photos from the project with us here, but you can check out the rest on his website, Conventional Wisdom.

When choosing what conventions to attend, Drooker wanted to avoid oversaturated events like ComicCon or Star Trek. He was looking for those like the Association of Lincoln Presenters, the first convention he attended, that have a grassroots following.



At the Lincoln convention in Columbus, Ohio, 150 people dressed as Lincoln. The group's goal is to provide real-looking Lincolns to reenactments, parades, and schools.

 



Each convention was full of people that were "passionate and obsessive" about their interests. Drooker says the energy was infectious. The Vent Haven Convention in Cincinnati bills itself as "the oldest and largest annual gathering of ventriloquists." The convention has open mics, appearances by pros, and workshops on how to ventriloquize.



See the rest of the story at Business Insider








I compared Chipotle's food to another major Mexican-food competitor — and the winner shocked me

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Qdoba Chipotle 5America is wildly passionate about its Mexican food — even if that food is not all that authentic.

Tex-Mex and similar restaurants have exploded in the past decade, thanks in part to the impressive success of Chipotle, the ubiquitous burrito chain that has more or less positioned itself as the standard-bearer of the fast-casual industry.

We recently pitted two giants against each other, and some readers voiced concern that a major Chipotle competitor hadn't even been considered: Qdoba.

The Denver-based chain, having reached over 630 locations in 2014, began in 1995 two years after and four miles north of Chipotle's first restaurant in Colorado's capital.

So the debate has raged on for nearly two decades: Which Denver burrito giant does it best?

With a grand plan for Qdoba in the works, I took it upon myself to investigate, comparing each chain's three classic meal choices: the taco, the burrito bowl, and the beloved burrito.

So which will make it in this Mexican heavyweight match? Whose taco triumphs, whose bowl bests, and whose burrito brings home the gold? Keep scrolling to find out.

SEE ALSO: Chipotle has taken a major step toward becoming more like Starbucks

The contenders meet: Qdoba and Chipotle, equal orders of chicken burritos, tacos, burrito bowls, and guacamole to try. Chipotle is still pushing a litany of literary sources on their bags, while Qdoba displays more peculiar artwork.



First up burritos, with Qdoba on the left and Chipotle on the right. We all know and love the humble, delicious burrito, and unlike the last Business Insider Chipotle showdown, the sizes here are similar — no early edge.



Qdoba's offering is tightly packed, holding together despite being halved. There's a large amount of rice, and it could use more chicken. Upon tasting, Qdoba's advantage is clear: queso. Qdoba offers numerous types of quesos ranging from mild to very spicy, which adds a dense richness to the burrito. It's incredibly filling, and still tastes fresh. And at $7.80 with free guac — a complete game-changer — it's a great value.



See the rest of the story at Business Insider

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How much you should save to retire in New York City, San Francisco, and 8 other expensive US cities

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columbus circle nyc

If you want to retire under the lights of New York City, you'll need at least $2.25 million in savings.

That's according to SmartAsset's recent report, which determined the average savings needed to retire in the least affordable cities for retirees, assuming a 30-year retirement.

Using data from the Bureau of Labor Statistics and the Council for Community and Economic Research, SmartAsset calculated the spending required to maintain the average standard of living for seniors in each particular city. It also took into account annual Social Security income, using the national average of $17,189.

(Read the full methodology.)

If you're planning to fully retire in these 10 major cities without having to work part-time, here's how much it's estimated you would need in your retirement account in order to live off Social Security and savings alone:

SEE ALSO: How much money you need to save each day to become a millionaire by age 65

10. Los Angeles, California: $994,377

Read about the true cost of living in Los Angeles.



9. Boston, Massachusetts: $1,015,740



8. San Diego, California: $1,024,980

Read about the true cost of living in San Diego.



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This mundane Texas house has a secret room that makes it one in a million


A photographer trekked across 9 countries to capture these rarely seen Cold War relics

One of the most outspoken atheists explains why religion totally misses the mark on morality

A 23andMe genetic test revealed that this man's father was adopted — and it changed his life

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Until his daughter had her DNA sequenced for a college course, Bill Crede had no idea his father had been adopted.

"She came back 16% Ashkenazi Jew, and we didn't know of any Jewish people in our family, and that particular thing is what spurred me on to get tested or get the test done," he told Business Insider. "So I sent my saliva off."

People who use genetic tests, in this case from 23andMe, send in a sample of spit. Then, 23andMe's labs isolate the DNA in the sample and scan it for single genetic variations that are linked to specific traits like hair and eye color, susceptibility to certain diseases, and ancestry.

When Crede got his results back, he saw that he was about 33% Ashkenazi Jewish. That's when Crede's mother spilled the beans and let him know his father had been adopted, which forever changed the way he looked at his family history.

Crede, his daughter, and soon three other members of the family all took 23andMe's consumer genetics test to find out more about their genetic makeup.

Crede, his wife, Luz Vasquez, and their daughter all took the genetic test before 23andMe had to stop providing the health report section of their test in November 2013.

But, for Crede and Vasquez, the health portion was not nearly as important to them as the genealogy portion. Consumers such as them could be part of why two years later, 23andMe, which just announced they had raised $115 million in a recent funding round, is a thriving $1.1-billion company.

23andMe spokesperson Andy Kill told Business Insider that, based on a survey question, the company estimates that about 5-6% of everyone who takes their test are adoptees. (He doesn't know how many people find this out for the first time as a result of 23andMe's test.)

After seeing Crede and her daughter's results, Vasquez decided to try the test herself, mainly to figure out more about her ancestry. The test told her her background was a mix of Spanish, African and Mayan ancestry, which she had expected.

While Crede was pleased to learn more about his ancestry, Vasquez came away a little disappointed in the lack of specificity with her results.

She wanted to know more about her Puerto Rican identity, namely where in Africa her ancestors had originated before they arrived in Puerto Rico. Though, she said, "I found out I was related to half of Puerto Rico."

Katarzyna Bryc, a population geneticist with 23andMe told Business Insider in an email that it's still working to make its ancestry test more specific.

"We have several initiatives in place working on getting data that will help us more finely map ancestry," he/she said. "We are always exploring new statistical methods to leverage the data we do have."

Vasquez said the only thing she found surprising in her results is that people can contact you after, so fifth cousins started to reach out. Soon, she said, "My inbox was all of Puerto Rico." So far, she hasn't made any contact with the people who have reached out to her.

RELATED: I shipped my spit to a genetics company to have it tested, 23andMe style — here's what I found out

CHECK OUT: Virgin births really happen — here are the animals that prove it

Join the conversation about this story »

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50 places everyone should visit in Europe

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Cliffs of Moher, IrelandEurope is home to historic cities, world-famous museums, and phenomenal restaurants. But there are also gorgeous hidden beaches, phenomenal ski resorts, and stunning natural formations like canyons, waterfalls, and gorges.

We've come up with the ultimate bucket list of travel destinations in Europe.

From biking along the canals of Amsterdam to scuba diving in the clear Mediterranean waters off the coast of Cyprus, here are 50 things you need to do in Europe in your lifetime.

Eliza McKelvey and Megan Willett contributed to this story.

SEE ALSO: 16 incredible European destinations that haven't been discovered by tourists

SEE ALSO: 100 trips everyone should take in their lifetime

Lounge on the stunning beaches of Lagos, Portugal.



Bike alongside the canals of Amsterdam, Netherlands.



Hit the slopes at Innsbruck, a breathtaking ski resort in the mountains of Austria.



See the rest of the story at Business Insider








The 10 most important Ferraris of all time (RACE)

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Ferrari

With Ferrari's multi-billion dollar IPO just around the corner, fans of the prancing horse will finally have a chance to own their piece of the legendary sports car maker without having to pony up a few hundred thousand dollars. 

But for many, there's no substitute to the raw power and emotion of a living, breathing Ferrari. Since the company launched its road car business in 1947, it's reputation has grown from that of a respected racing team to a creator of automotive legends. 

In fact, the company has managed to maintain a waiting list for many of its models without engaging in any forms of traditional advertising. 

Ferrari's parent company, Fiat Chrysler Automobiles, is offering more than 17 million shares of stock with the value of the Maranello, Italy-based automaker expected to approach $10 billion. 

Other the years, Ferrari has been responsible for a long line of fast, powerful, and evocative sports cars and supercars. Anyone who has ever encountered a Ferrari has his or her personal favorite. However, there certain select group of cars from the company's past and present that hold a special place in Ferrari's history books. Which is why Business Insider compiled a list of the 10 most important Ferrari's in company history.

These are the Ferraris that made a difference.

SEE ALSO: The McLaren 650S is the high-tech supercar that you just can't stop looking at

Auto Avio Construzione 815: Although the 815 doesn't carry the Ferrari name, the road racer is the product of Auto Avio Construzione — a company Enzo Ferrari set up in 1939. Ferrari launched AAC just one week after leaving Alfa Romeo as its head of racing.



AAC built two 815 cars in 1940, which were prohibited from carrying the Ferrari name due to a non-compete agreement between the Enzo and his previous employers. The agreement prohibited Ferrari from using his name in relation to races or race cars for at least four years.



Ferrari 125S: Launched in 1947, the 125 was the first car to carry the Ferrari name.



See the rest of the story at Business Insider








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