Quantcast
Channel: Business Insider
Browsing All 49095 Browse Latest View Live
Mark channel Not-Safe-For-Work? cancel confirm NSFW Votes: (0 votes)
Are you the publisher? Claim or contact us about this channel.
0

15 photos that show how yoga has spread all over the world

0
0

International Yoga Day

From India, to China, to Canada, yoga enthusiasts around the world are celebrating International Yoga Day on June 21. Practicing yoga has been shown to have significant health benefits, such as helping to maintain a balanced metabolism, relieve stress, and improve cardio and circulatory health.

Yoga's origins date back to more than 10,000 years ago, but in recent years it has become such a popular fad that it has slowly spread all over the world. In both 2014 and 2015, yoga was named one of the top 10 growing fitness trends in a survey conducted for the American College of Sports Medicine.

International Yoga Day is celebrated annually on June 21. Below, see how people around the world are celebrating. 

SEE ALSO: 13 exercises to keep your legs strong at any age

Yoga originated in Rishikesh, India more than 10,000 years ago.

Instagram Embed:
http://instagram.com/p/BG7Cy7NhUcv/embed/
Width: 658px

 

 India.



In 1920, the practice of yoga was introduced to the western world by influential guru Paramahansa Yogananda, who founded the Self-Realization Fellowship in Los Angeles, California.

Instagram Embed:
http://instagram.com/p/BG7SdUiH1xg/embed/
Width: 658px

 

Morrison, Colorado.

Source: Huffington Post



Practicers claim that it helps people heal mentally, physically, and emotionally.

Instagram Embed:
http://instagram.com/p/BG7BILMIMmX/embed/
Width: 658px

 

Halifax, Canada.

Source: Huffington Post



See the rest of the story at Business Insider

This text-message hotline can predict your risk of depression or stress

0
0

girl-bullied-texting

When counselors are helping someone in the midst of an emotional crisis, they must not only know how to talk — they also must be willing to text.

Crisis Text Line, a non-profit text-message–based counseling service, operates a hotline for people who find it safer or easier to text about their problems than make a phone call or send an instant message. Over 1,500 volunteers are on hand 24/7 to lend support about problems including bullying, isolation, suicidal thoughts, bereavement, self-harm, or even just stress.

But in addition to providing a new outlet for those who prefer to communicate by text, the service is gathering a wellspring of anonymized data.

"We look for patterns in historical conversations that end up being higher risk for self harm and suicide attempts," Liz Eddy, a Crisis Text Line spokesperson, tells Tech Insider. "By grounding in historical data, we can predict the risk of new texters coming in."crisis-text-line-sms

According to Fortune, the organization is using machine learning to prioritize higher-risk individuals for quicker and more effective responses. But Crisis Text Line is also wielding the data it gathers in other ways — the company has published a page of trends that tells the public which hours or days people are more likely to be affected by certain issues, as well as which US states are most affected by specific crises or psychological states.

According to the data, residents of Alaska reach out to the Text Line for LGBTQ issues more than those in other states, and Maine is one of the most stressed out states. Physical abuse is most commonly reported in North Dakota and Wyoming, while depression is more prevalent in texters from Kentucky and West Virginia.

 

The research comes at an especially critical time. According to studies from the National Center for Health Statistics, US suicide rates have surged to a 30-year high. The study noted a rise in suicide rates for all demographics except black men over the age of 75. Alarmingly, the suicide rate among 10- to 14-year-old girls has tripled since 1999.crisis-text-line

Crisis Text Line's goal to use data in order to tackle these challenges made headlines in 2014, and the attention brought a wave of investment. Shripriya Mahesh, a partner at the philanthropic investment firm Omidyar Network (which was started by eBay founder Pierre Omidyar), says the firm has given the service two grants. Last week, Crisis Text Line received $23.8 million in grants from a squadron of Silicon Valley investors, including Melinda Gates, Steve Ballmer of Microsoft fame, and many more. This round brings its total up to $35 million in funding.

Mahesh says the Line has been raising money the same way a startup does, and this current wave of grants can be thought of as a "Series B" — a secondary funding round in which investors are confident the company is going in the right direction.

"[Crisis Text Line] not only does good but it's really efficiently and is conscious of how effective they are," she said.

To further that effectiveness, Crisis Text Line is partnering with other services to move beyond text messages. The company now provides counseling to users of Kik, Facebook Messenger, and After School, a safe discussion space for students. And Liz Eddy says company is still expanding.

"We're working with social media apps, search engines, messaging apps and other tech companies to help them provide support and resources to their users who are in crisis," Eddy says. 

She declined to name any specific apps the service plans to partner with going forward, but it wouldn't be a stretch to imagine contacting the Crisis Text Line through Twitter, WhatsApp or Gmail in the near future.

SEE ALSO: Science says parents of unsuccessful kids could have these 9 things in common

Join the conversation about this story »

NOW WATCH: A psychologist reveals the easiest ways to get out of a funk

The 10 US cities with the largest share of upper-class residents

0
0

georgetown washington dc 2

The American middle class is shrinking, and consequently, the lower- and upper-income tiers are gaining share.

In a May 2016 report, the Pew Research Center found that between 2000 and 2014, the share of upper-income adults increased in 172 of the 229 US metro areas it analyzed.

The report also highlighted the 10 areas with the largest upper-income populations, which were mostly in the northeast region or on the California coast.

"Midland, Texas, the exception to this rule, leads the metropolitan ranking of upper-income areas," Pew reported. "Some 37% of the adult population in Midland was upper income in 2014, thanks to a prospering oil economy."

Pew defined upper-income households as those with an income that is more than double the US median household income. Incomes are adjusted for household size and for the cost of living in the area relative to the national average cost of living. "That means the incomes of households in relatively expensive areas, such as New York-Newark-Jersey City, NY-NJ-PA, are adjusted downward," Pew explained in its methodology.

Note that New York City didn't crack the top 10. In addition to Pew adjusting incomes for the cost of living, it's important to recognize that New York City, with a population of about 8.5 million, makes up less than half of the New York-Newark-Jersey City metro area, which has a population of about 19.8 million.

Read on to see which other metro areas joined Midland in the top 10. We included the share of the population that qualifies as upper-income in each metro, along with the median household income of the upper class (also from Pew).

SEE ALSO: The 13 best big US cities to live in if you want to get rich

Trenton

Residents who are upper-income: 28%

Median household income of upper class: $180,110



San Francisco-Oakland-Hayward

Share of upper class: 28%

Median household income of upper class: $185,290



Norwich-New London

Share of upper class: 29%

Median household income of upper class: $164,030



See the rest of the story at Business Insider

7 ways to look like a millionaire, even if you're not

0
0

Regardless of how much you make, it's easy to project an air of power and confidence commonly associated with the wealthy — as long as you focus on the right things. Sylvie di Giusto worked in human resources for more than 20 years before becoming an image consultant in 2009.

Her company, Executive Image Consulting, has worked with executives looking to improve how they present themselves and professionals looking to rise in the corporate hierarchy. She also gives dress-code consulting to corporations, which have included McKinsey, BMW, and Thomas Cook, according to her website.

With inspiration from Vicky Oliver's book, "The Millionaire's Handbook: How to Look and Act Like a Millionaire, Even If You're Not," we asked Di Giusto how anyone could look like a millionaire, regardless of their net worth.

Here's what she said, with some of Oliver's advice:

BI_Graphics_How to look like a millionaire, even if you're not_2016

SEE ALSO: A woman who studied nearly 200 self-made millionaires found 6 positive attitudes they have toward work and life

Join the conversation about this story »

NOW WATCH: Jennifer Lawrence has one thing in common with the self-made millionaire she plays in her new movie

People who drive these cars get ticketed the most

The 'Keurig for cocktails' is finally here

0
0

Bartesian

Cocktail culture is huge right now.

But cocktails — with their bitters, syrups, and fancy sugars — are complex. 

Enter Bartesian, the 'Keurig for Cocktails.' Founded by entrepreneurs Bryan Fedorak, Ryan Close, and Jason Neevel, the $299 device will make you a margarita in a matter of seconds.

In July 2015, Bartesian garnered over 6,500 preorders on Kickstarter. As of June 2016, the team has raised $650,000 in venture capital funding, with hope to reach a $1.1 million goal, the founders tell Tech Insider. In spring 2017, Bartesian will launch in three high-end retailers in the US.

Back when the company hit its Kickstarter goal last year, Bryan came by the TI office to show us how it works. We demoed the Bartesian prototype, but the final version with additional features will be available starting October 2016. Here's our experience with the prototype.

Drake Baer contributed to an earlier version of this story.

Bryan stopped by our office while he was in New York in the summer of 2015.



He brought the first prototype of the Bartesian. The idea came when a friend suggested — "Hey, you guys should make a Keurig for cocktails."



Like the super popular Keurig coffeemaker, the Bartesian relies on pods to make drinks. Each 12-pack of pods will cost $20.



See the rest of the story at Business Insider

Tour the luxurious suite where you can go 'glamping' for $2,000 a night in New York City

0
0

WHotel 224

If you're looking for a camping experience without the uncomfortable sleeping situation and lack of indoor plumbing, "glamping" may be the answer.

For $2,000 a night, you and your "glamour camping" squad can spend the night at the Extreme Wow Outdoor Glamping Suite at the W Hotel in midtown Manhattan. The suite was fully designed and furnished by the interior-design startup Laurel & Wolf and aims to reflect a modern and glamorous style of camping. 

The stunning outdoor space debuted July 12 and will continue hosting guests until November, weather permitting. 

SEE ALSO: Matt Lauer just put this gorgeous Hamptons mansion on the market for $18 million

DON'T FORGET: Follow Business Insider's Lifestyle page on Facebook!

Take in the Manhattan skyline from the 17th floor's rooftop terrace.



The suite's design is a nod to the dreamy elements of camping. You'll find plenty of rich fabrics and unique textures throughout.



The yurt stands as the central element of the glamping campsite. Above, strings of twinkling café lights brighten the Manhattan sky.



See the rest of the story at Business Insider

'It's not easy': Packers quarterback Aaron Rodgers reveals how he's able to stay so calm during high-pressure plays

0
0

aaron rodgers

Since earning a starting job in 2008, Green Bay Packers quarterback Aaron Rodgers has flummoxed defenses and earned two MVP awards and a Super Bowl ring on his way to becoming one of the top players in the NFL.

Part of the Rodgers mystique is just how calm he looks doing it — even during the most high-pressure situations

In an extended interview with Bill Simmons for the HBO show "Any Given Wednesday," Rodgers acknowledged that he's well aware of the reputation he's earned for "making things look easy" — but he disagrees with the assessment. The reality, he says, is far less glamorous.

"At times people have said — and, you know, it's a compliment — that I make it look easy or it looks too easy out there," Rodgers said. "And I just try to remind them: It's not easy. It's tough to do what we do; it takes a lot of preparation."

Rodgers' ability to stay cool may seem like an innate or preternatural gift — and to some extent a genetic predisposition for composure likely plays a role — but what really inoculates him to nerves is the confidence in knowing that he's prepared so well for every situation that nothing will catch him off guard. 

"I've always said we win games between Monday and Saturday. The way you prepare allows you to play with that confidence on the field," Rodgers continued. "'Why are you so calm on the field or confident?' It's because I've played out every scenario from Monday to Saturday. So when I get out there, I'm not surprised a lot." 

No amount of preparation will give you Aaron Rodgers' abilities on the football field. But the upshot is that his secret for staying calm and confident amid intense situations is replicable by anyone. Whether you're giving a presentation, leading a seminar, firing an employee, or asking for a raise, it's reassuring to know that by thoroughly preparing and game-planning for different scenarios, you're implementing the same tactics that help one of the greatest quarterbacks succeed when everything is on the line

See more of Rodgers' interview with Simmons below. 

 

Join the conversation about this story »

Mark Cuban shares his top 5 tips for professionals in their 20s

0
0

mark cuban

After he received his bachelor's degree from Indiana University in 1981, 22-year-old Mark Cuban followed some friends to Dallas.

He remembers that when he first moved into their apartment, things were so cramped that he'd come in at night after bartending and have to sleep on the couch — or, if that was occupied, the floor. He kept his belongings in a heap.

Cuban didn't have much of a technology background, but landed a job selling PC software. He performed well, but his boss fired him for disobeying an order. Left with no savings but a strong clientele and an interest in the business, Cuban founded his own software-distribution company, MicroSolutions. He and his business partner faced some difficulty along the way — including when a receptionist embezzled and ran away with $83,000 — but they outperformed the competition.

In 1990, when Cuban was 31, he sold MicroSolutions to H&R Block for $6 million and made about $2 million for himself after taxes. It was the first big win of his career, which would eventually see him become a billionaire investor, entrepreneur, and owner of the Dallas Mavericks basketball team.

Cuban wrote a blog post in June 2009 — also included in his book "How to Win at the Sport of Business" — that was meant to inspire young people trying to establish their careers in a world that had been ravaged by the economic crisis.

The economy has significantly improved since then, but the lessons Cuban drew from his own experiences are just as valid. We've summarized them below.

SEE ALSO: 4 lessons Mark Cuban taught his 16-year-old 'Mini Me' about business

1. Live cheaply.

You don't need to sleep on the floor of a gross apartment with a bunch of your buddies, but don't let a focus on your outward appearance distract you from your financial obligations.

"It doesn't matter where you live," Cuban writes. "It doesn't matter how you live. It doesn't matter what car you drive. It doesn't matter what kind of clothes you wear."

When you're starting out, prioritize building a financial cushion. Use your 20s to pay off student loan debt, not accumulate credit-card debt. Learn how to ignore the attraction of some unnecessary luxury and instead build savings you can fall back on. You'll thank yourself later.

"The more you stress over bills, the more difficult it is to focus on your goals," he writes. "The cheaper you can live, the greater your options."



2. Take chances.

You shouldn't expect to land your dream job straight out of college, Cuban says. Be open, and if it takes you awhile to find a decent job, don't let your ego keep you from a low-skilled gig in the meantime. If you need to run a cash register or wait tables to pay your bills for a few months, that's fine.

Once you land your first job, you may find that after a few months that it's not a good fit, Cuban says. That's fine, too. Look for something else.

"Finding the right job is a lot like dating," he writes. "It's hard until you start; then when you start, it's great until it's not. Then it's frustrating as hell until you get it right. But when you do, it all comes together."



3. Find a job you love.

Cuban says that there's an easy way to tell if you've found a job that can help you build a career.

"If it matters how much you get paid, you are not in a job you really love," he writes.

This doesn't mean that you should not strive to make as much money as possible, but you need to prioritize your passion over your paycheck if you want to put yourself on a rewarding career path that allows you to thrive.

"If you love what you do so much that you are willing to continue to live like a student in order to be able to stay in the job, you have found your calling," Cuban writes.



See the rest of the story at Business Insider

I spent a month doing as many free things as I could in New York City — and I barely made a dent

0
0

BK

I'm no stranger to money-saving challenges.

I've ditched my credit cards and tried the "cash-only diet," completed the food-stamp challenge, and even taken the "Elon Musk Challenge," which entailed a $2-a-day food budget.

When I set out to do free things in New York City for the month of February, the "challenge" seemed simple enough.

Not quite.

The issue wasn't finding free things to do (ironically, the most expensive US city offers an abundance of free things to do). It was actually going out and doing them. Part of it was the February weather; part of it was not wanting to break up my day-to-day routine; and part of it was laziness. I will say that every time I did motivate myself to trade in my warm apartment for an adventure, it was 100% worth it. 

I made the goal of checking off 14 freebies — one every other day — and I fell short by three activities. Here's what I did, what I wished I did, and what I'm saving for sunny spring days. 

Keep in mind that this is far from a comprehensive list and only scratches the surface. If you put in a bit of effort, you can easily experience this glamorous city on the cheap many times over.

SEE ALSO: I've lived in New York City for 22 years, and here are my favorite places to eat for less than $20

1. I did a gallery crawl through Chelsea.

I started in my neighborhood of Chelsea, where there is a maze of free art galleries of all shapes and sizes. I wandered in and out of about 10 of them, but there are hundreds to choose from and you can easily fill a morning or afternoon gallery hopping.

I've also heard that if you plan your gallery crawl for a Thursday night, you may stumble upon free wine and cheese.

Check out the Chelsea gallery map.



2. I strolled through the Museum at FIT (Fashion Institute of Technology).

I spent an evening at the Museum at FIT — also in Chelsea — which is the only museum in New York City dedicated exclusively to the art of fashion. There's a permanent collection of garments and accessories dating from the 18th century to today, as well as rotating exhibitions. Admission is free to all.

Learn more about the Museum at FIT.



3. I ventured across the Brooklyn Bridge.

I'd been told that the views from the Brooklyn Bridge, which links the two boroughs of Manhattan and Brooklyn, are one-of-a-kind. I wasn't disappointed.

A perk of crossing the Brooklyn Bridge on a winter evening is that you have the entire place to yourself, a rare luxury at the popular tourist attraction. We made a night out of it, walking over the bridge into Dumbo, Brooklyn for a view of the Manhattan skyline, and returning via the Manhattan Bridge. If you're doing the round-trip on foot, I would suggest skipping the Manhattan Bridge and crossing the Brooklyn Bridge twice. Its views and architecture are unmatched.

If you're crossing the bridge during the day, learn more about the Brooklyn Bridge Park.



See the rest of the story at Business Insider

People are slamming Facebook for blaming its diversity problem on a lack of talent (FB)

0
0

German tourists, Facebook headquarters

The tech world is slamming Facebook for blaming its poor workforce diversity stats on a lack of available talent.

The backlash comes after the social media giant revealed on Thursday that it still mainly employs white men. Its diversity chief, Maxine Williams, attributed part of the issue to a pipeline problem:

"It has become clear that at the most fundamental level, appropriate representation in technology or any other industry will depend upon more people having the opportunity to gain necessary skills through the public education system," she wrote, noting that few US high schools teach computer science and that women and minorities taking those classes are even fewer.

But that statement misses the point.

There are more black and Hispanic students with engineering degrees from top universities than there are tech jobs, according to a USA Today study from late 2014. The problem isn't that there needs to be more people, Joelle Emerson, the CEO of a diversity consultancy, tells The Wall Street Journal. Facebook just needs to try harder to recruit and hire them.

"Many, like me, are very disappointed with Facebook's lack of research and effort on the issue of recruiting underrepresented talent," Kaya Thomas, a black woman studying computer science at Dartmouth College, told Business Insider via email.

Thomas, who is also a fellow at Code2040, which supports black and Latino people in tech, wrote a moving Medium piece about her reaction to Williams' statement:

"I wish that tech leaders would just be honest and admit that they've made tech culture so exclusive and toxic," she writes. "Ignoring the fact that underrepresented talent exists shows me that they don't care about diversity and they don't want us working in tech."

Facebook is far from the only tech company that has dismal diversity stats — they show up pretty much across the board in the tech industry. 

Thomas hasn't heard from Facebook regarding her blog post but has been amazed by the response so far from other people in the industry.

The hashtag #FBNoExcuses has been gaining steam on Twitter, with people pointing out that unconscious bias, recruitment habits, and "culture fit" are more of a hindrance to diversity than a lack of talent.

 

 

 

 

 

In another thread, a former Facebook hiring manager highlights what she saw as some of Facebook's issues:

 

 

 

 

SEE ALSO: It's official: Google's new emoji of powerful women are on their way

Join the conversation about this story »

NOW WATCH: This scientist thinks Elon Musk is wrong about the threat of artificial intelligence

Vice CEO Shane Smith just bought a second Los Angeles home for $3.8 million

0
0

shane smith house

Vice CEO Shane Smith has a new Los Angeles crib. 

An LLC apparently controlled by Smith recently purchased a home in the Pacific Palisades neighborhood of Los Angeles, property records on OpenHouse Realty show. The purchase price was $3.825 million.

It's quite the property, with five bedrooms, four bathrooms, and 2,615 square feet of living space. 

The house is only about a mile away from Smith's $23 million mansion in Santa Monica, which he purchased last year

The LLCs that purchased both of these houses have the same mailing address as Smith's Manhattan property. Smith did not immediately return a request for comment about his new house.

Smith's net worth has been estimated to be as much as $400 million. Vice Media, the company he runs, could be worth billions. 

The Pacific Palisades house isn't as massive as Smith's other LA property, but the modern-design-inspired house looks like quite a nice place to spend a weekend.

SEE ALSO: Matt Lauer just put this gorgeous Hamptons mansion on the market for $18 million

The 1950s-era house is located in Santa Monica Canyon.



The property has three bedrooms and a fourth room that can be used as a guest room. The bedrooms have excellent views of the canyon, with floor-to-ceiling windows.



The 2,615-square-foot house would be perfect for a family. Smith and his wife, Tamyka, have two daughters.



See the rest of the story at Business Insider

19 Silicon Valley landmarks you must visit on your next trip

0
0

Pong

Before Silicon Valley brought us the iPod and the HP printer, the area nestled between San Francisco and San Jose was a fruit orchard.

That past is mostly gone now, and the next generation of computer companies has already filled the valley faster than you can say Moore's Law.

If you want to take a trip into Silicon Valley, here's how to get a good mix of its past and present.

Note: Several of these include visits to garages and office campuses. Always be respectful.

SEE ALSO: 14 words you understand only if you work at Google

Intel Museum

If you didn't understand that Moore's Law reference in the intro, then your first stop should be at the Intel Museum. The museum covers topics like Moore's Law, Intel's first microprocessor and how silicon chips (those things that gave Silicon Valley its name) are manufactured. It's not as big as the Computer History Museum, but it does give visitors a solid foundation in the history of both Intel and Silicon Valley.

Address: 2200 Mission College Boulevard, Santa Clara, CA 95054

Website: http://www.intel.com/content/www/us/en/company-overview/intel-museum.html



Facebook campus

You can't visit Facebook's campus unless you have a friend on the inside, but you'll like your visit anyway. Tourists visit the Menlo Park campus to pose in front of its "like" sign all year long. Unfortunately, the Facebook swag shop is inside its offices so you can't pick up anything else related to the social network.

Address: 1 Hacker Way, Menlo Park, CA 94025

 



And while you're there, make sure to take a look at the back of the sign.

Facebook took over Sun Microsystem's old campus, but left a little bit of legacy behind. It's a good reminder of the cycle of tech companies in Silicon Valley. And if you were a huge fan of Sun, you can always pose with that sign too.



See the rest of the story at Business Insider

These luxury vacations in the arctic circle let you sleep and snowmobile under the Northern Lights

0
0

arctic safari

Exploring the Arctic wilderness sounds daunting, but add a seasoned guide and an action-packed itinerary into the mix and the northern-most area of the world becomes an enviable vacation destination.

Many travel companies now specialize in adventure vacations in various Nordic countries.

Often called 'arctic safaris,' these expeditions allow travelers to combine a number of activities, such as dog sledding, whale watching, and viewing the Northern Lights, giving them a chance to map out their ideal guided excursion.

"Luxury travel in the Nordic is growing rapidly and we're here to tell the story of nature in the area," says Janne Honkanen, founder and CEO of the Finland-based Luxury Action travel company.

The arctic safaris cost roughly $4,500 to $111,170 depending on the activities participants choose and the amount of time the stay in the area.

See some of the coolest parts of the arctic excursions offered by Luxury Action below:

SEE ALSO: There's one place in the world that's getting colder instead of warmer

Welcome to the arctic circle, the area that consists of the five most northern latitude circles on earth. In January, temperatures can reach -40 degrees Fahrenheit.



But the beautiful views, like the Northern Lights, make the weather worthwhile. Travel companies take advantage of the Nordic's extraordinary features and host arctic safari travel expeditions.



In Finland, travel company Luxury Action uses its private terminal at the Rovaniemi Airport to pick up travelers in a fleet of black SUVs.



See the rest of the story at Business Insider

18 tips that will help you stay safe when you travel

0
0

touristsWith terrorist attacks and hotel security issues having become a very real concern around the world, it's crucial you do what you can to ensure your safety while traveling in a foreign country.

We've put together a list of tips for doing just that, consulting Anthony Melchiorri, host of Travel Channel's "Hotel Impossible"; John Rose, an aviation and terrorism expert and COO of travel risk management companyiJETDaniel Durazo, the director of communications for Allianz Global Assistance USA; and Daniel Smith, a security researcher at Radware

From what to do if you get arrested abroad to mistakes you shouldn't be making at a hotel, here's how to make sure you stay safe on your next trip. 

SEE ALSO: The top 20 hottest markets for vacation home buyers

DON'T FORGET: Follow Business Insider's lifestyle page on Facebook!

Grab an extra business card from the front desk of your hotel.

The information on a business card will come in handy if you're ever lost or need to contact someone. 

If you're in a place where you don't speak the local language, you can at least ensure that you have your hotel's address and phone number.



Consider travel insurance for cruises.

According to Durazo, while cruise ships have an infirmary to take care of guests when they get seasick or have the flu, they don't have a full hospital that can treat more serious injuries like broken bones or heart attacks.

If one of those injuries does happen, the cruise ship will disembark at the closest port, but the type of hospital you end up in might not always be suited for your care.

Having a travel insurance provider helps alleviate costs and provides additional assistance for issues like language barriers or medical discrepancies. It'll especially come in handy if you end up requiring an evacuation back to the US. 



Use your phone to test the front desk when you get to your hotel room.

To see how safe hotels keep your information, Melchiorri recommends that you use your cell phone to call the front desk and ask if you can speak to yourself.

If the staff gives you your room number, that's a red flag. The response you want is: "Let me connect you."



See the rest of the story at Business Insider

The surprisingly frugal habits of 8 extremely wealthy people

0
0

Mark Zuckerberg

Frugality is a subjective term. To the average Joe it could mean eating meals at home or scouring the internet for cheap flights.

But to a billionaire it means showing up to work in a T-shirt and jeans, driving a Toyota or Volkswagen, and, in some instances, foregoing the purchase of a private jet or lavish vacation home.

Surprisingly, some of the richest people on earth are incredibly frugal, each one with their own penny-pinching habits.

From eating lunch in the office cafeteria with their employees to residing in homes worth a fraction of what they could afford, these eight self-made billionaires — many of whom are also generous philanthropists— know the secret to keeping their net worth high.

DON'T MISS: After studying rich people for 5 years, I realized there are 10 critical habits the wealthy learn from their parents

SEE ALSO: The 50 richest people on earth

Warren Buffett, chairman and CEO of Berkshire Hathaway, still lives in the same home he bought for $31,500 in 1958.

Net worth:$68.1 billion

The "Oracle of Omaha" is one of the wisest and most frugal billionaires around. Despite his status as one of the richest people on earth, he still lives in the same modest home he bought for $31,500 in 1958, doesn't carry a cellphone or have a computer at his desk, and once had a vanity license plate that read "THRIFTY," according to his 2009 biography. And when his friend of 25 years Bill Gates visits Omaha, Buffett picks Gates up from the airport himself.

Buffett also has a decidedly low-brow palate, known not just for investing in junk-food purveyors like Burger King, Dairy Queen, and Coca-Cola, but also for filling up on them as well. The Buffett diet includes five Cokes a day, as well as Cheetos and potato chips.

At his annual shareholder's meeting in 2014, Buffett explained that his quality of life isn't affected by the amount of money he has:

"My life couldn't be happier. In fact, it'd be worse if I had six or eight houses. So, I have everything I need to have, and I don't need any more because it doesn't make a difference after a point."



Mark Zuckerberg, founder and CEO of Facebook, drives a manual-transmission Volkswagen hatchback.

Net worth:$51.5 billion

Despite his status as one of the richest tech moguls on earth, Mark Zuckerberg leads a low-key lifestyle with his wife Priscilla Chan and their newborn daughter. The founder of Facebook has been unabashed about his simple T-shirt, hoodie, and jeans uniform.

"I really want to clear my life to make it so that I have to make as few decisions as possible about anything except how to best serve this community," Zuckerberg said.

The trappings of wealth have never impressed the 32-year-old, who in December 2015 announced he would donate 99% of his Facebook shares during his lifetime.

Zuckerberg chowed down on McDonald's shortly after marrying Chan in 2012 in the backyard of their $7 million Palo Alto home — a modest sum for such an expensive housing market and pocket change for a man worth more than $51 billion. In 2014, he traded in his $30,000 Acura for a manual-transmission Volkswagen hatchback.

 



Carlos Slim Helú, founder of Grupo Carso, has lived in the same six-bedroom house for more than 40 years.

Net worth:$31.6 billion

Rather than spending his fluctuating fortune, Carlos Slim funnels his billions back into the economy and his vast array of companies. He once mused to Reuters that wealth was like an orchard because "what you have to do is make it grow, reinvest to make it bigger, or diversify into other areas."

The 76-year-old is by far the richest man in Mexico, but he forgoes luxuries like private jets and yachts and reportedly still drives an old Mercedes-Benz. Slim runs his companies frugally, too, writing in staff handbooks that employees should always "maintain austerity in prosperous times (in times when the cow is fat with milk)."

The businessman has lived in the same six-bedroom house in Mexico for more than 40 years and routinely enjoys sharing home-cooked meals with his children and grandchildren. He's got a couple of known indulgences, including fine art — in honor of his late wife — and Cuban cigars, as well as an $80 million mansion in Manhattan, which he was trying to sell last spring.



See the rest of the story at Business Insider

This stunning map of 80,000 old photographs is like a Google Street View for New York City in the 1800s

0
0

Screen Shot 2015 09 18 at 5.38.12 PM

New York City has a long and sprawling history, but looking at the city today, it's hard to tell what it looked like in the past. Luckily, an enterprising coder has solved that problem by creating a Google Street View map for New York City for the late 1800s and early 1900s.

Developer Dan Vanderkam collaborated with the New York Public Library to plot all the old photos from the Photographic Views of New York City, 1870s-1970s collection on an interactive map.

The project, called OldNYC, lets you browse 19th-century New York as easily as you would click around on Google Maps. The collection contains over 80,000 original photographs.

Visit the OldNYC site here, or look below for some of the best photos we saw from the late 1800s and early 1900s, marked with their locations in the city.

Fifth Avenue and 42nd Street, 1910

 

 



Queensboro Bridge Connection, 1917



Fifth Avenue and 42nd Street, 1912



See the rest of the story at Business Insider

The 30 best college towns in America

0
0

Fort Collins Colorado

When deciding where to go to college, location can matter just as much as academics. Factors like safety, job opportunities, and cultural vibrancy can elevate — or detract from — the college experience.

Niche, a company that researches and compiles information on cities, recently named the best college towns in America, focusing on the overall livability of places where undergraduates from a top-250 college make up at least 10% of the town's overall population.

To determine "livability," Niche narrowed in on each city's cost of living, public-school quality, the percentage of residents who hold at least a bachelor's degree, and the overall strength of the area's real-estate market. Niche also factored in things like diversity, crime rates, and access to amenities. You can read a detailed breakdown of the methodology here.

From the homes of big state schools to small towns housing tiny private schools, here are the 30 best places to live while you're earning that degree.

SEE ALSO: The best suburb in every state

DON'T MISS: 25 beautiful US cities to live in if you love spending time outdoors

30. Golden, Colorado — home to Colorado School of Mines

Population: 19,759

Cost of living: C-

Median rent: $947

Nightlife: A+

"The community is great, and it is growing quickly," one resident said. "Places are consistently looking to hire in town. It is also a relatively short drive in to Denver, so there are plenty of places to work."

Leisure activities are abundant as well. 

"There are block parties all summer long, you can tube on the river, the breweries are great, and people are friendly," another resident said. "What's not to love?"

 

 



29. Carlisle, Pennsylvania — home to Dickinson College

Population: 18,877

Cost of living: C+

Median rent: $776

Nightlife: A

"School is important to the people here, and because we live in a small community, it is easy to find someone you know in every store you walk in," one resident said. "Living in a small town is actually an adventure to me."



28. Northfield, Minnesota — home to Carleton College and St. Olaf College

Population: 20,303

Cost of living: B-

Median rent: $730

Nightlife: B+

"Northfield is repeatedly ranked as one of the best small cities in America, and between its two liberal arts colleges, politically active youth, and historic feel, it is a quirky and raw place to grow up," a lifelong resident shared



See the rest of the story at Business Insider

Here are the 12 best Greek islands for different types of travelers

The best type of sunglasses for every face shape — and how to figure out which one you are

0
0

Everyone wants to look cool in sunglasses, but not everyone knows exactly how.

There's lots of confusing information out there about face shapes and sunglasses, so we've distilled it down to the 6 most common face shapes you'll see on men. Almost every guy fits one of these shapes, so figuring out which one is most like yours should be easy with the help of this graphic.

You'll be well on your way to getting a pair of shades that fit your face and that you won't be embarrassed to wear. We recommend doing it before summer escapes.

BI GRAPHICS best sunglasses for your face shape

SEE ALSO: The absolute best men's haircut for summer, and how to get it

DON'T FORGET: Follow Business Insider's lifestyle page on Facebook!

Join the conversation about this story »

NOW WATCH: These sunglasses vibrate music directly into your skull and not your ears

Browsing All 49095 Browse Latest View Live