Snapchat can make you a millioniare-see how.

Working at startups is always a gamble. But if you get your foot in the door early enough at the right company, you could end up a millionaire.

Inspired by a 2012 Quora thread, we came up with our own list of companies you should join if you want to make some serious cash in four years, assuming you’re able to negotiate a bunch of stock options when you join.

We’ve included employee count for each company. For startups whose employee headcounts we didn’t have access to from our own reporting, we consulted Pitchbook, a private equity and venture capital database that tracks information about companies.

The companies on this list are blowing up — some are early-stage, some are more mature, but they’re all highly valued and fast-growing. You’ll want to get hired before they take off further.

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Here are the four things Google CFO Ruth Porat wants investors to keep in mind

Google just delivered blockbuster Q3 earnings, beating analyst estimates on both the top and bottom lines and announcing an enormous stock buyback program.

The stock went wild, zooming up about 11%.

Besides the stock rocketship, this was a particularly significant earnings report because it’s the last one before the company starts breaking out Google’s business as separate from the other subsidiaries created under new parent company Alphabet.

In her prepared remarks, CFO Ruth Porat highlighted four key themes to set the tone for the company moving forward.

Porat, who joined Google from Morgan Stanley last quarter, has been a hit with Wall Street so far.

Here are the four key themes she talked about:

1. Google is growing thanks to mobile search, while small businesses like Nest and moonshot projects like self-driving cars will make money some day. “First, in terms of revenues, our strong revenue growth in Q3 reflects the ongoing momentum in Google, with acceleration in mobile search complemented by the strength of YouTube and Programmatic. The Other Bets are earlier stage businesses, which we believe have significant longer term revenue potential. In the near term the focus there is on optimizing our investments.”

2. You’ll soon be able to see how strong Google is. “Second, with respect to profitability we remain focused on managing expenses within our control, while investing to support the growth areas we have in Google and Other Bets. Segment reporting, by definition, provides greater insight into the profit dynamics within Alphabet.”

3. We’re going to continue to spend more money on our exciting projects like super-fast internet initiative Google Fiber.
“Third, as to capex [capital expenditures] the vast majority to-date of course has been to support Google, where we will continue to invest given to our exciting opportunities globally. As the same time, capex in Other Bets is expected to increase through next year as we continue to execute in the growth agenda there, in particular in Access and Energy, which contains our Fiber business, among other efforts.”

4. We have a lot of cash, so if we see a really important opportunity we’ll take it.

 “Fourth, our growing cash balance remains a powerful tool, giving us the flexibility to invest in the breadth of opportunity we have in Google and Other Bets as well as selectively pursue compelling new bets.” Google has almost $73 billion in cash and marketable securities.

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Here are Some Deadly Sins of investing

Here are the Seven Deadly Sins of investing
Mike Turner, the head of multi-asset investment solutions at the $480 billion fund manager, took to the web on Wednesday to caution investors against seven critical mistakes they can make while investing.

Turner drove the point home by pairing each lesson with a fun, 30-second cartoon snippet framed around the seven deadly sins: greed, envy, lust, gluttony, sloth, wrath, and pride. 

The videos feature the mellow voice of Joanna Lumley, who played Aunt Emma in “The Wolf of Wall Street.”

In the video for “Sloth,” animators played on Aesop’s fable “The Tortoise and the Hare,” encouraging investors to do their diligence while researching potential investments, rather than rushing to the finish line.

In another video titled “Envy,” the narrator says that “imitating the index is the poorest form of flattery … instead of investing in assets that have just done well in the past, you should invest in those that offer the best potential for future returns.”

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McDonald’s US sales just rose for the first time in 2 years

On Thursday morning, the company reported third-quarter earnings results that topped analysts’ forecasts.

Same-store sales — at locations open for at least one year — rose 0.9% in the US; analysts had expected a decline. Worldwide same-store sales increased 4%. 

McDonald’s is coming out of at least seven straight quarters of same-store-sales declines in the US. It implemented a turnaround strategy that included customizable burgers and all-day breakfast. The company said the new crispy buttermilk chicken sandwich and breakfast lifted US sales.

“I am encouraged by our operating performance for the quarter, with positive comparable sales across all segments, including the U.S., as well as sales recovery in China following the prior year supplier issue,” said CEO Steve Easterbrook in the statement. 

The company beat on adjusted earnings per share by $0.12, posting $1.40 for the third quarter. It took a $0.17 hit from the strong dollar, which diminished its overseas earnings when translated. Revenues fell 9% to $6.6 billion.

Shares rose by as much as 6% to an all-time high in pre-market trading. They have rallied 12% over the past year. 

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simple ways to improve your finances in an hour or less

You can start getting better with money in just an hour.

Managing your money successfully to start accumulating wealth doesn’t require a financial planner or MBA.

In fact, there are several actions you can take today to set yourself up for future financial success — and many of them aren’t even time intensive.

We rounded up 13 simple strategies that won’t take more than 60 minutes to implement, but will significantly better your finances:

Make your finances automatic.
Automating your finances will let you focus on the fun parts of life, rather than constantly worrying about paying the bills on time.
Most bills today can be paid online, and you often have the option of setting up automatic payments. Try automating consistent payments for fixed costs — cable, internet, Netflix, and insurance — so that you don’t have to think about them every month, and never miss a bill. You can do the same for variable costs such as credit card bills, although you’ll want to check in on your account regularly to make sure things are going smoothly.

Making your payments automatic should be an option on your provider’s website. If not, give them a call.

For payments that can’t be made online, such as rent, set up calendar reminders and get in the habit of paying them around the same time each month so that it becomes an ingrained routine.

Look into the benefits offered by your employer.
Oli Scarff/Getty Images
Many employees don’t fully understand the benefits offered to them.
Employee benefits are often not tapped into, mostly because people don’t fully understand what’s offered to them.

Most companies offer 401(k) plans — a type of retirement account that gives you large tax advantages and allows you to compound more money over time — and in many cases, employers will also offer a 401(k) match, which is essentially free money.

Another employee benefit to consider is a health savings account (HSA), into which you can put pre-tax money and use towards medical costs whenever you want. This option is particularly advantageous for those who are generally healthy and don’t have to go to the doctor’s office or hospital that often, such as 20- or 30-somes without children who are looking to save for future health care expenses. 

Also, if you have younger children, check to see if your company offers a dependent care flexible spending account (also known as FSAs), into which you can put pre-tax money and save significantly on childcare with the tax deduction. In some cases, you’ll receive a debit card from the company to use towards services such as daycare and summer camp. If you’re paying a nanny or babysitter, you can pay them with cash and then apply for a reimbursement from the FSA. 

Take some time to look into company benefits, or call your human resources department with any questions. You might find a useful benefit you’ve been overlooking.

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2 things successful people do in the first week of a new job

Be on your game from day one.

Thousands of workers will be heading to a new job this month, excited and nervous to prove they’ve got what it takes.

After the flurry of hiring that typically happens in the first quarter, the fall tends to be the second-biggest hiring period of the year, according to career coach Kathleen Brady, author of “Get a Job!” and the director of career services at Georgian Court University. Employers refocus on their top initiatives and capitalize on any remaining budget for new hires.

For all those newbs hanging their coats on a new office chair, that means it’s time to get to work. “The first three months of any new job are an extension of the interview process,” says career management expert Amanda Augustine. “From the first day, you need to be on your game.”

With a decade of experience advising high-level professionals, Augustine details what the most successful people do that first week in a new job.

1. Be a geek about introducing yourself.
Take the initiative to meet people. Say hello in the elevator, kitchen, or bathroom. It will pay off in the end. “It could be a fast-paced culture, and they don’t have time to come to you,” Augustine says. “Start with the group that’s closest to you, the people you’re directly working with.” It will be in their best interest to get you started on the right foot, because your work will directly affect theirs.

2. Befriend a veteran who can help you navigate politics (and find the pencils).
Learn who the players are, and who’s been at your company awhile, she advises. Find the seasoned veteran who has a good handle on what works and doesn’t and can show you around. “Companies have their own language and inside jokes,” she says. “Look for the one person to help you decode the acronyms and office politics.” Plus, you’ll need someone to go to for the silly things. Asking your boss where to find the pencils is a bit below their pay grade.

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5 Types of Business Opportunities

Deciding to become an entrepreneur certainly provides many with a liberating feeling. The emotions that are first felt, however, can quickly turn to amazement at how difficult it is to choose the one right business opportunity out there for you to get involved in.

There certainly are quite a few options to choose from, but they generally fall into one of a few different categories. Here is a brief summary of the most popular types of business opportunities available to prospective entrepreneurs today.

Buying a Franchise
While a franchise does involve considerable expenses to be paid up front in the form of a franchise fee, it comes with the benefit of brand establishment. Many franchises are well known and respected in the marketplace already. Buying a franchise enables you to make use of that name from day one. You can also take advantage of a business plan and structure that is already well established and in place. Some examples of common franchises would be fast food restaurants, such as McDonalds or Subway, home or business cleaning services, or fitness centers. There are many more types of franchises, so if any of these appeal to you, make sure that you conduct some in-depth Internet research.

Consider a Distributorship and Dealership
A distributor involves a person establishing an agreement with another company to sell their products or services on the open market. A dealer is similar to a distributor, but such an individual would focus on only selling one particular brand of product or service. Such an example would be a Toyota dealership, or establishing an insurance agency that only sells products offered by one particular company.

Network Marketing
Someone involved in a network marketing type of business agrees to distribute the products and services offered by the head company, but they also work to recruit other distributors into the business as well. This creates a residual income by establishing a network of distributors selling products, and then you getting a commission based on those sales. Some refer to this type of business as multilevel marketing.

Licensing
Licensing is another popular opportunity available today that enables entrepreneurs to be inventive and develop their product or service, license it and then retain the name brand or trademark to that business. You would then be entitled to a percentage of all sales from that point on in many cases.

Find Your Niche and Fulfill a Need
Another way to find a business that you are interested in starting is to first assess your strengths and abilities. What special product or service can you offer that others around you are in need of? You can begin your business by offering that service to others and fill that niche need that has developed. With the advent of the Internet, this is made even easier today as you can truly market yourself globally.

These and many other types of business opportunities await you. Begin by doing your research, find out what you are interested in, and then set the wheels in motion.

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