AT&T’s merger problem is sparking worries in Silicon Valley

Fears are growing that the Justice Department’s suit to block AT&T’s proposed takeover of Time Warner could upend business-as-usual in an unexpected place — Silicon Valley. AT&T CEO Randall Stephenson has repeatedly stressed that his company’s objective in gobbling up Time Warner and its DirecTV subsidiary is to build an advertising platform that can compete…
Business | New York Post

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These are the 10 fastest growing jobs in the U.S.

These occupations are projected to grow as much as 105 percent in the next decade.
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Reports: Uber paid hackers to keep data breach affecting 57 million customers quiet

Uber reportedly paid hackers $ 100,000 to remove the data of 57 million customers they stole in a massive 2016 data breach, according to Bloomberg.

RELATED: 13 Dos and Don’ts for protecting your identity during the holidays

Uber executives concealed the hack for over a year

Names, phone numbers and email address were among the data stolen. Around 600,000 driver’s license numbers belonging to Uber drivers were also compromised in the October 2016 breach.

Social security numbers appear not to have been stolen in the breach.

Uber executives reportedly concealed the hack for over a year and have been terminated, according to BuzzFeed.

Uber’s current CEO, Dara Khosrowshahi, criticized the company’s handling of the data theft in a blog postthat said there’s no evidence the stolen information has been misused.

The company released a statement Tuesday on the 2016 attack.

https://platform.twitter.com/widgets.js

The San Francisco company ousted Travis Kalanick as CEO in June after an internal investigation concluded he had built a culture that allowed female workers to be sexually harassed and encouraged employees to push legal limits.

Read more at Bloomberg.

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Donald Trump just did Roy Moore a massive favor

President Donald Trump broke his silence Tuesday afternoon on allegations of sexual abuse facing Roy Moore, the Republican Party’s Senate nominee in Alabama.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Don’t Go Shopping: 12 Better Ways to Spend Your Time on Black Friday

What are you planning to do on Black Friday? Will you wake up at 4 a.m. to fight your way through crowds? Stand in line for hours only to discover that this year’s hottest toys are sold out?

That doesn’t exactly sound like fun. And no, leaving Thanksgiving dinner to visit the mall on Thursday night isn’t the answer, either.

Instead of battling the crowds as suggested by this tongue-in-cheek post, put your time to better use. Erin Burt shared 10 great ideas for Black Friday on Kiplinger, which inspired me to add to her list.

Here are 12 more smart strategies to make the most of your time on Black Friday — and most will leave you with extra money in your pocket.

1. Sign Up for Free Money

Yes, you read that right. Take advantage of bank account promotions to earn free money from several banks. While chasing sign-up bonuses isn’t always worth your time, these ones could earn you a pretty penny:

Chase

Go to this Chase Total Checking page and enter your email to get a coupon. Take this coupon to a Chase branch and use it to open a Total Checking account. Set up direct deposit, and you’ll get a $ 200 bonus!

You’ll need to use the coupon by Jan. 18, 2018, and set up direct deposit within 60 days of opening your account.

TD Bank

You’ve got two options here:

1. Open a new Premier Checking Account by visiting this page and entering your city and state (this account isn’t available in every state). Click the “open account” button and follow the instructions. (You have to open the account online through this page to get the bonus.)

Set up direct deposits of $ 2,500 or more within 60 days of opening the account, and you’ll get a $ 300 bonus. If you keep at least $ 2,500 in the account, TD Bank will waive the $ 25 monthly fee.

2. Open a new Convenience Checking account and get a $ 150 bonus. Scroll down to the “online offer only” box, click the “open account” button and follow the instructions. (If you don’t see an online offer box, the account’s not available in your state.)

Set up direct deposits to add $ 500 or more to the account within 60 days, and you’ll get a $ 150 bonus. If you keep a daily balance of $ 100 in the account, TD Bank will waive the $ 15 monthly fee.

2. Sell Your Stuff

Instead of going out and waiting in line to buy new stuff, why not make some money off the stuff you already have.

Start shuffling through your old movies or CDs because Decluttr will pay you for them.

Decluttr buys your old CDs, DVDs, Blu-rays and video games, plus hardware like cell phones, tablets, game consoles and iPods.

One user, Gil Flores, sold about 100 DVDs and 75 CDs and made $ 275 — an average of $ 1.57 each.

Just download the app, and start scanning the barcodes on your media to get immediate quotes. It’s completely free to use: There are no listing or seller fees.

Payment is pretty fast — it’ll take a day or two — but shipping is free.

Right now, when you send in your trades, Decluttr grants you a $ 5 bonus when you enter BLACK5 at checkout.

3. Find a Seasonal Job

While many people think it’s too late, there’s still time to pick up a seasonal job for the holidays. Some businesses will have finished their hiring already, but you might luck out — especially if you hustle early this week.

Try Snagajob, which specializes in hourly work, as well as good old-fashioned walk-ins — though you probably don’t want to try those on Black Friday itself.

4. Get Your Kids a Job

No, not at the mall. Signing your kids up to be toy testers is a fun way to help Santa save a little cash on presents.

Companies like Fisher-Price and Step 2 need feedback on new toys, such as whether they’re engaging and how they hold up to the wear and tear of playing, and the best people to share their feedback are kids and their parents.

Curious? Learn more about how to land toy-testing jobs in this post.

5. Strengthen Your Online Presence

Your social media accounts are great for sharing your professional accomplishments, your comments on polarizing issues or your photo of that amazing steak you grilled last night.

But did you know your posts can also earn you free stuff — and put cash in your pocket?

Spend a few hours beefing up your Facebook profile, Twitter stream, LinkedIn network and other channels, and you could create new opportunities for yourself.

To learn more about Facebook and Twitter contests and earning opportunities, check out this post. And all of your sharing and tweeting helps build “influence,” which Klout measures and rewards with free Perks.

Bonus? Your new, improved social media presence could also help you and your kids land those coveted toy-testing jobs.

6. Plan a New Small Business

Whether you’re ready to hit the ground running or you’re researching your options for the new year, start planning a way to earn money on the side. Figure out a way your skills and experience could help people, and then capitalize on it.

Good with words? Try making money as a writer. Work in tech? Do a little freelance web development.

Love dogs? Think about leading dog adventures or planning pet parties. Handy with tools? Consider building catios (yes, they’re a thing) or repair and resell used appliances.

Need a few more ideas? Try some of these low-cost business options. Here’s what you’ll need to know to set up your business.

7. Get Creative

Let your inner artist run wild while everyone else is still in their turkey coma. Create something cool, like jewelry, walking sticks or other crafts, that you can give to friends and family for the holidays.

My biggest hit last year was a wine-tasting kit: I simply sewed four bottle-shaped fabric covers and painted a number on each, to make it more fun to blind taste-test different bottles.

Want to earn some cash with your crafts? Consider setting up shop on Etsy or another online marketplace.

8. Write an Ebook

Have you been talking about writing a book forever? Put your money where your mouth is and write it already.

Not sure what to write about? Steve Scott, who has published more than 60 Kindle ebooks, recommends picking a niche market and then offering value by solving a problem for readers.

Once you’re ready to share your work with the world, here’s how to self-publish it online.

9. Go for a Walk or Hit the Gym

While you might not feel like being active after stuffing yourself with turkey (and stuffing), perhaps a little financial incentive would motivate you to get off the couch. What if you could earn money for your workout — or even a walk around the block?

That’s right, these sites and apps will pay you to exercise:

  • Pact (formerly Gympact): Set a goal for your workouts, including hitting the gym, visiting a yoga studio or walking outside, and earn cash by sticking to your pact.
  • Diet Bet: Bet on yourself losing a certain amount of weight in a given time period, and earn up to $ 100 if you’re successful.
  • Healthy Wage: Similar to Diet Bet, but competing with a team could earn you payouts up to $ 10,000.

10. Sell Your Blood Plasma

It takes about two hours and yes, it involves a needle, but selling your plasma could earn you about $ 25 for your first visit. The process is simple, and you’re free to read or watch TV while a machine draws your blood and separates the plasma.

Interested? Search “plasma center + [your city]” for options, and ask your friends for referrals — many centers offer referral sign-up bonuses.

If you prefer just to donate blood — which the American Red Cross says is especially necessary between Thanksgiving and New Year’s Day — look for a blood drive near you on its website or download its Blood App.

11. Plan to Give to Charity

If you’re going to make any charitable donations, you’ll want to make them before the end of the year so you can deduct them on your 2016 taxes.

Make sure to read the the IRS guidelines first — you’re only allowed to deduct donations to qualified organizations, not individuals or political campaigns, and donations of property or goods are treated differently than cash.

12. Shop Online, Strategically

If you really need to get started on your holiday shopping, do it from the comfort of your own home and use these tricks to save extra cash and earn rewards.

For example, signing up for Ebates earns you cash back on purchases you’re going to make anyway — like 8% on TOMS shoes, 8% on Backcountry.com and 8% at Saks Fifth Avenue.

And when you buy your gifts, always use your rewards credit card to earn cash back or travel points. Your holiday gifts might as well give you something in return!

BONUS: Spend Time With Family and Friends

OK, so this option won’t earn you any extra money.

But whether you’re traveling for Thanksgiving or enjoying a day off at home, take a little time to relax this week. After all, what’s the use in earning cash and rewards if you never enjoy them?

*Chase Fine print:

Checking offer is not available to existing Chase checking customers, those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance. To receive the $ 150 checking bonus: 1) Open a new Chase Total Checking account, which is subject to approval; 2) Deposit $ 25 or more at account opening; AND 3) Have your direct deposit made to this account within 60 days of account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. After you have completed all the above requirements, we’ll deposit the bonus in your new account within 10 business days. You can only receive one new checking account-related bonus per calendar year. Bonus is considered interest and will be reported on IRS Form 1099-INT.

**Account Closing: If your checking account is closed within six months after opening, we will deduct the bonus amount at closing.

Editorial Disclosure
This content is not provided by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

Heather van der Hoop is senior editor of The Penny Hoarder. When she’s not reading, you can usually find her playing along with Jeopardy! or climbing rocks, mountains and trees.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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UPDATE 1-Campbell Soup’s revenue misses estimates; cuts FY’18 profit view

Nov 21 (Reuters) – Campbell Soup Co reported on
Tuesday first-quarter revenue that missed Wall Street estimates
on lower demand for soups and V8 vegetable juices, leading the
company to cut its 2018 adjusted profit forecast.


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Trump administration to end protected status for Haiti

The Trump administration has announced it will end the Temporary Protected Status designation for Haiti by July 2019.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Backpackers and visiting workers face exploitation in this country

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It’s no surprise Australia is a drawcard for workers.

The country has one of the highest minimum wages in the world (A$ 18.29/US$ 13.96 per hour) and an attractive quality of life. But for many backpackers and migrants, exploitation by employers is rife.

One in three international students and backpackers are being underpaid, earning less than A$ 12 an hour, according to a comprehensive report called Wage Theft in Australia, which surveyed 4,322 people on temporary migrant visas.

While underpayment was widespread across many industries, the worst offenders were in food service — specifically in fruit and vegetable picking.  Read more…

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These 20 States Can Revoke Your License for Failure to Pay Student Loans

The pursuit of education — and a satisfying career — can be costly. That’s why over 44 million Americans are saddled with student loan debt.

After graduating, many rely on their jobs to pay off those loans. But some who struggle to pay the money back could wind up losing the very careers they went into debt for.

No Payments, No Licenses

In 20 states, the government can suspend state-issued professional licenses or driver’s licenses if a borrower defaults on their student loan debt, according to The New York Times.

Though not all enforce those laws, here are the states where it’s possible to lose your license over debt:

Alaska

Arkansas

California

Florida

Georgia

Hawaii

Illinois

Iowa

Kentucky

Louisiana

Massachusetts

Minnesota

Mississippi

New Mexico

North Dakota

South Dakota

Tennessee

Texas

Virginia

Washington

Putting Workers in a Difficult Situation

Revoking a professional license needed for employment or a driver’s license needed to get to a job puts workers in a tough spot.

It’s a Catch-22: You need to work to pay off loans but, in some cases, you have to be paying off the loans in order to work.

The New York Times found at least 8,700 cases where professionals — including nurses, teachers, lawyers and psychologists — have had their licenses taken away or threatened with suspensions in recent years because of failure to pay back student loans.

Because, as The New York Times said, “many state agencies and licensing boards don’t track the information,” that 8,700 figure likely underestimates of the true number of people affected by this policy.

The publication described the tactic of taking away professional licenses as being “especially punitive.”

To read more about this, check out The New York Times article.

Tips on Getting Out of Student Loan Debt

Though student loan debt can be a monster, there are ways to break through.

Try these seven tips to paying off student loans. Many of these eight creative ways to pay off credit card debt can also be applied to paying down student loan debt.

Consider consolidating loans to make monthly payments more affordable. Or boost your income and have more to put towards paying off your loans with these 32 ways to make money from home.

And sometimes it’s just helpful to know there are people out there who have been in your shoes and have made it through to the other side. Take notes from this couple who paid off $ 20,000 in two years or this freelance writer and event planner who paid off $ 68,000 of debt in four-and-a-half years.

Nicole Dow is a staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Regulators Approve Keystone XL Pipeline in a Big Win for President Trump

Nebraska regulators voted on Monday to approve a route for TransCanada Corp’s Keystone XL pipeline through the state, lifting the last big regulatory obstacle for the long-delayed project that U.S. President Donald Trump wants built.

The 3-2 decision by the Nebraska Public Service Commission helps clear the way for the pipeline linking Canada’s Alberta oil sands to refineries in the United States, but is likely to be challenged in court by opponents who say the project is an environmental risk.

The commission’s approval was not for TransCanada’s preferred route, but for a slightly longer alternative that could prove more difficult and costly to build. It was unclear whether the company will decide to pursue the project as it considers the commercial viability.

TransCanada did not immediately respond to a request for comment on the commission’s vote.

TransCanda stock rose as much as 2 percent to the session’s high of C$ 63.80 after the decision, while the broader Canada stock index was up 0.2 percent.

Trump, a Republican, has made Keystone XL’s success a plank in his effort to boost the U.S. energy industry. Environmentalists, meanwhile, have made the project a symbol of their broader fight against fossil fuels and global warming.

The proposed line has been a lightning rod of controversy since it was first advocated nearly a decade ago. The administration of former President Barack Obama, a Democrat, considered the project for years before rejecting it in 2015 on environmental grounds, under pressure from activist groups.

Trump swiftly reversed that decision after coming into office this year, handing TransCanada a federal permit for the pipeline in March and arguing the project will lower fuel prices, boost national security, and bring jobs.

Nationwide, Trump has said Keystone XL would create 28,000 jobs. But a 2014 State Department study predicted just 3,900 construction jobs and 35 permanent jobs.

Trump’s decision placed the pipeline‘s fate into the hands of the obscure regulatory body in Nebraska, the only state that had yet to approve the pipeline‘s route. Permits along Keystone XL’s proposed 1,179-miles (1,897-km) path have been approved in Canada, Montana and South Dakota.

Opposition to the line in Nebraska has been driven mainly by a group of around 90 landowners whose farms lie along the proposed route. They have said they are worried spills could pollute water critical for grazing cattle, and that tax revenue will be short-lived and jobs will be temporary.

A lawyer for the landowners, Dave Domina, said the commission’s decision was a partial victory, because it denied TransCanada its preferred route. But he added: “We will carefully evaluate the Order and meet with our clients.”

Billionaire environmental activist Tom Steyer denounced the commission’s decision. “We will not stop making our voices heard until this project is dead,” he said in a statement.

Just days ago, TransCanada’s existing Keystone system spilled 5,000 barrels in South Dakota and pipeline opponents said the spill highlighted the risks posed by the proposed XL expansion.

The project could be a boon for Canada, which has struggled to bring its vast oil reserves to market. But there are questions about demand for the pipeline after a surge in drilling activity in the United States.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Woman says Franken inappropriately touched her in 2010

A woman says Sen. Al Franken inappropriately touched her in 2010, telling CNN that he grabbed her buttocks while taking a photo at the Minnesota State Fair.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Mnuchin says only ‘million dollar’ earners will pay higher taxes—Tax Policy Center and others show otherwise

The GOP tax plan will place a higher burden on those who earn $ 1 million but provide a break to all others, Mnuchin says.
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These 3 Surprising Tips Can Help You Invest in Real Estate — For Under $500

The job title “real estate tycoon” has weaseled its way into popular conversation in the last couple of years… no need to delve into why.

It makes you wonder about buying property to rent out or sell for profit. Judging by how much we all pay for rent and how little our landlords seem to do, it looks like a pretty sweet gig, right?

(That’s a joke, my dear landlord. Please don’t change my locks.)

This kind of investment comes with one little, er, major obstacle, though: You need a lot of money to get started. Houses or land can costs thousands — or hundreds of thousands — of dollars.

Unless you get creative.

Here are three unusual ways we’ve discovered to get started in real estate investing when you only have a few hundred bucks to spare.

1. Invest in Real Estate Around the Country for Just $ 500

Want to try real-estate investing without playing landlord? We found a company that helps you do just that.

Oh, and you don’t have to have hundreds of thousands of dollars, either. You can get started with a minimum investment of just $ 500. A company called Fundrise does all the heavy lifting for you.

Through the Fundrise Starter Portfolio, your money will be split into two portfolios that support private real estate around the United States.

This isn’t an obscure investment, though. You can see exactly which properties are included in your portfolios — like a set of townhomes in Snoqualmie, Washington, or an apartment building in Charlotte, North Carolina.

You can earn money through quarterly dividend payments and potential appreciation in the value of your shares, just like a stock. Cash flow typically comes from interest payments and property income (e.g. rent).

(But remember: Investments come with risk. While Fundrise has paid distributions every quarter since at least Q2 2016, dividend and principal payments are never guaranteed.)

You’ll pay a 0.85% annual asset management fee and a 0.15% annual investment advisory fee — but the latter is being waived through Dec. 31.

Interested? Get started with Fundrise here.

2. Buy Land on eBay for $ 100

Ebay has long been a place for people to sell their weird and outlandish goods, so we’re not surprised to see users selling land for mere pennies.

Most of these thrifty plots probably aren’t worth much — now. But if you choose wisely and hang onto it long enough, a new mall or Walmart might move into town one day and need that little vacant strip.

Set your budget and search on eBay for something like “vacant residential lot” or “vacant commercial lot” to find your next investment.

Don’t forget to factor in additional costs, like title-transfer fees and annual property taxes when you’re thinking about how much this land could be worth over time.

3. Try Virtual Real Estate Investing for Free

Have you heard of the online world, Second Life? It’s a virtual world (not a game, the company asserts) that lets you have a virtual family, own a virtual home, buy virtual goods and even get a virtual job.

It became massively popular at the turn of the century, and — even if you haven’t heard about it in a while — it’s still a thing.

The world runs on Linden Dollars, which you can earn through virtual jobs or by selling your virtual possessions and creations. Or you can buy them directly with your real money.

You can also purchase virtual real estate to sell or rent out.

Ailin Graef (known by her SL avatar Anshe Chung) became the virtual world’s first millionaire flipping real estate. She’d invest real money — which goes a lot further in the virtual world than the real one — and earn real money in return when other users bought or rented her properties.

The world is free to join, and you start with a free starter pack of clothing and useful items. If you want to earn money through a virtual business, you’ll need to build up your Linden Dollars and start investing.

It’d be tough, but if you work hard in the virtual world, you could even build your riches without spending any real money upfront!

The publicly filed offering circulars of the issuers sponsored by Rise Companies Corp., not all of which may be currently qualified by the Securities and Exchange Commission, may be found at www.fundrise.com/oc.

Dana Sitar (dana@thepennyhoarder.com) is a senior writer/newsletter editor at The Penny Hoarder. Say hi and tell her a good joke on Twitter @danasitar.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Trump to LaVar Ball: ‘I should have left them in jail!’

President Donald Trump on Sunday shot back at Lavar Ball, the father of one of the UCLA basketball players arrested in China, for belittling the President’s role in the students’ release.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Has my rent renewal application been approved?

Dear John: I’m an elderly widow living in a rent-controlled apartment. My only income is Social Security. About 18 years ago, I went to the Department of Aging, and it froze my rent at $ 378.26 a month. Every two years since, I went to the library and asked for a special re-application form and I…
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‘No fireworks’ at NAFTA talks, but few signs of progress

MEXICO CITY (Reuters) – Negotiations in Mexico to update NAFTA have not made much progress on tough U.S. demands that could sink the 1994 trade pact, but the current round of talks are progressing with civility, some participants said on Saturday.


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Y Combinator cuts ties with Peter Thiel

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Silicon Valley startup accelerator Y Combinator has cut ties with Peter Thiel, BuzzFeed reported

The billionaire PayPal founder joined the accelerator as a part-time partner in 2015. Since then, he’s become better-known outside the tech world for funding the lawsuit that took down Gawker and for his support of Donald Trump. 

Back in 2015, Y Combinator president Sam Altman said he was “delighted” to welcome Thiel and that he was “confident that Peter joining will be great for YC.” The blog post announcing Thiel’s start at Y Combinator now bears an editor’s note that says, “Peter Thiel is no longer affiliated with Y Combinator.”  Read more…

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Franken, Moore assault allegations dredge up accusations against Trump


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Behind on Your Retirement Savings? These Experts Explain How to Catch Up

Life comes at you fast.

One day, you’re 20 years old with a bright future ahead of you.

Next thing you know, you’re 50 and realize you’re not saving enough for retirement.

Hey, don’t be embarrassed — tt happens to a lot of us. Only about 60% of Americans are confident they’re saving enough to retire comfortably, according to a recent Capital One survey. And that figure has gone down 10% in just two years.

It’s never too late to boost your retirement savings. But you shouldn’t put it off any longer.

“Fifty is a pivotal age,” says Ryan McPherson, founder of Intelligent Worth, a financial planning firm in Atlanta. “You’re 10 to 15 years away from retirement and still have enough time to make major changes if needed.”

So what should you do if you’re in your 50s and your 401(k) account isn’t up to par? We asked a bunch of professional financial planners.

Here’s what they told us:

1. Sock Away More, Get Free Money

For starters, you absolutely, definitely need to take full advantage of your employer’s matching contribution to your 401(k) plan.

“Take advantage of your full company match,” says Jeff Dixson, a financial adviser in Vancouver, Washington, who hosts a radio show called the Retirement Coach. “If they match 3%, contribute 3%. If they match 6%, try to get to 6%. That’s free money. There’s nowhere else you’re going to get free money.

2. Catch Up After 50

Individuals who are age 50 or over at the end of the calendar year can make annual catch-up contributions,” says David McCormick-Goodhart, a financial adviser with Savant Capital Management in McLean, Virginia.

In 2018, the federal government will raise the personal 401(k) contribution max from $ 18,000 to $ 18,500 annually. People in their 50s and 60s can contribute an extra $ 6,000 per year — if they’re able to.

3. Make a Plan, Man

Sit down with someone who specializes in retirement income planning, suggests Dixson, the financial adviser in Vancouver, Washington.

“The whole point of saving for retirement in the first place is to build a nest egg that you can eventually turn into consistent monthly income,” he says. “Wouldn’t it make sense to figure out how much you actually need to save rather than winging it?”

4. Reevaluate Your Spending

Write down everything you spend money on — and how much you spend.

“Circle the discretionary items that bring you the most joy,” says McPherson, the Atlanta financial planner. “Next, circle the ones you could do without. Holding your income constant, something must be cut for you to save more.”

5. Don’t Be Too Conservative

People tend to get more conservative with their 401(k) as they age, putting more of their savings in bonds instead of stocks. And that makes sense. Stocks will generally give you a higher return than bonds, but they’re also more volatile and can suddenly drop in value.

Don’t get too conservative, though.

Robert Johnson, president of the American College of Financial Services in Bryn Mawr, Pennsylvania, recommends embracing the risk of the stock market well into your 50s.

Since 1926, the average annual return is 10% for stocks, 6% for bonds and 3% for cash, he says.

“Investors in their 50s may not feel that their time horizon is long enough to invest in stocks, and that is a mistake,” Johnson says. “Having a significant allocation to stocks is advisable for most individuals in their 50s.”

6. Don’t Get Too Risky, Either

Don’t go crazy, though. Don’t get overly aggressive with stocks.

“One of the biggest mistakes I see people in their 50s who are behind on their retirement savings making is trying to play catch-up by taking on additional risk to make up for lost time,” says Desmond Henry, founder of Afflora Financial Life Planning in Topeka, Kansas. “Sure, the potential for higher returns is there, but so is the potential for loss.”

7. Get a Side Gig

“You’ll want to consider developing a second stream of income,” says Nathan Garcia, a financial planner with Strategic Wealth Partners in Fulton, Maryland.

“This income could be as little as $ 1,000 per month. However, that surplus could be beneficial for replacing income that is now being diverted into your 401(k). There are also significant tax advantages available to business owners, allowing them to write off ordinary expenses such as a cell phone, internet, transportation, etc.”

Need some ideas? Here are Penny Hoarder articles on “14 Leisurely Ways for Retirees to Make Extra Money in Their Spare Time” and “Awesome Ways Retirees Can Work From Home and Make Extra Cash.”

8. Watch Out For Hidden 401(k) Fees

Sadly, very few investors ever understand how much hidden fees are eroding their retirement nest egg,” says Chris Costello, CEO and Co-Founder of Blooom. The app will sniff out your hidden fees for you.

“An easy way to combat this is to use as many of the index fund offerings that might be available within your 401(k) plan,” Costello says. “These tend to have hidden fees that are a fraction of what actively managed funds are charging.”

Blooom will optimize and monitor your 401(k) for you. It’s a great way to find out if you’re overpaying on fees and have the appropriate amount invested in stocks versus bonds.

9. Be Prepared for Hard Choices

“Most people don’t start seriously saving until their kids are out college. Until then, retirement doesn’t seem real,” says Garcia, the Maryland financial planner.

“If your kids are still in college, consider allowing them to pay for their education with student loans so you can divert savings to your retirement. There are loans for college. There are none for retirement.”

Frightened yet?

It’s OK. It’ll be OK.

You still have time to turn things around if you set your mind to it.

Remember the bottom line:

“If you’re not willing to save more or decrease your desired standard of living in retirement,” says Dixson, “you’ll be forced to work longer.”

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He does not have enough saved for retirement.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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8 major retailers who suspend price matching around Black Friday

If you’re a fan of saving money on retail items, you’re probably a fan of price matching.

Price matching is a great way to use your smartphone to get a lower price on an item at participating stores. And the best part of it is that you don’t have to run all over town chasing a deal!

Using the power of technology that’s already in the palm of their hands, most price-matchers simply pull up a competitor’s website on their phone when they’re in store.

What they’re looking for is the identical item to what they’re purchasing, but with a lower price.

If they can find it cheaper somewhere else — it usually has to be at a brick-and-mortar retailer, though some stores now match Amazon, too — bingo!

With price matching, they can get whatever it is they’re buying at a cheaper price by asking the store to match a competitor’s price.

Not all retailers price match, but most of the major ones do.

It’s also possible to price match using sales circulars from the Sunday newspaper if you’re not smartphone savvy.

RELATED: The best Black Friday deals so far!

Epic fail at retail: Black Friday price matching bans!

Price matching sounds great, right?

But there’s a dirty little secret here: A lot of the big guys suspend their price matching policies from around Thanksgiving until Cyber Monday or beyond.

They’re trying to avoid matching rock-bottom prices from competitors during the highly promotional Black Friday weekend.

Here are some retailers we’ve found with fine print that will temporarily kill your deal-finding mojo in this way.

So be careful out there when you’re shopping!

Walmart

The nation’s largest retailer is shutting down price matching for the opening salvo of the holiday season.

Wal-Mart’s policy reads, “No price matches to other retailers for prices shown from Thanksgiving Day through Cyber-Monday.”

Target

The Red Retailer’s website notes that, “Price matches and adjustments to competitors will not be allowed for prices from Thanksgiving Day through the entire week after Thanksgiving (11/23/2017 – 12/2/2017).”

Toys R Us

The ailing toy store won’t match “any competitor’s advertised store or online pricing for Thanksgiving through Cyber Monday,” according to its own website.

Best Buy

The electronics retailer’s Price Match Guarantee won’t cover any “items for sale Thanksgiving Day through the Monday after Thanksgiving, whether offered by Best Buy or a competitor.”

Office Depot

Office Depot exterior
Office Depot exterior

“Holiday sales offers including during Black Friday and Cyber Monday (Office Depot, OfficeMax or any eligible retailer) are also excluded” from the office-supply store’s usual price matching policy.

Sears

Sears is now selling Kenmore appliances on Amazon

“Sears will not price match items offered for sale Thanksgiving Day through the Wednesday after Thanksgiving,” according to the struggling retailer’s website.

Fry’s Electronics

Fry's Electronics storefront

The regional electronics chain’s price-matching policy “excludes items for sale Thanksgiving Day through the Monday after Thanksgiving, whether offered by Fry’s or a competitor.”

Staples

Interestingly, the office-supply store seems to only squelch price matching for two days a year, according to its website.

But the unfortunate news is that they’re two of the most important days on the calendar for deep-discount bargain hunters!

“We don’t price match competitors’ or our own local or special events (e.g., grand opening, anniversary, clearance, timed sales or liquidation sales, ‘Black Friday’ or ‘Cyber Monday’ sales).

RELATED: The best days to shop between now and Christmas, according to Clark Howard

Check out the best Black Friday deals so far!


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Kushner testified he did not recall any campaign WikiLeaks contact

White House senior adviser Jared Kushner told congressional Russia investigators that he did not communicate with WikiLeaks and did not recall anyone on the Trump campaign who had, a source with knowledge of his testimony told CNN.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Tesla’s Unfettered Ambition Will Drain Finances, Analysts Say

Tesla may have to ask creditors and shareholders for more capital to fund development of an electric semi truck, a new roadster and accelerated production of a high-volume electric sedan, analysts said on Friday.

Musk unveiled one flashy strategy for generating cash during the launch event Thursday for the Semi truck, surprising the audience with a prototype of a new generation of the Tesla Roadster. Musk promised the Roadster will be the fastest production car available. The first 1,000 cars will cost $ 250,000 each, paid in full upfront, with later models starting at $ 200,000.

Those deposits would put $ 250 million into Tesla‘s cash drawer today for a car that is likely to go into production in 2020.

Musk did not offer details about how Tesla would generate additional funds to deliver the semi truck and the roadster, and overcome production problems that have hobbled production of the company’s high-volume sedan, the Model 3.

Tesla spent $ 1.1 billion on its auto business in the third quarter, and expects expenses of $ 1 billion in the current one. It had about $ 3.5 billion in cash and cash equivalents as of Sept. 30.

At the current cash-burn rate, it would likely be down to about $ 1 billion in cash by the end of the first quarter.

“In essence, all last night’s event did was add to Elon Musk’s shopping list of things he needs to spend money on at a time when the company is having difficulty making its base vehicle (Model 3),” said Cowen analyst Jeffrey Osborne.

Despite such concerns, Tesla shares


tsla



were up about 1.4% at mid-day. While the shares are up more than 40% this year, they have fallen 20% from record highs in mid-September.

Shares in heavy truck diesel engine maker Cummins fell 4.7%, and shares in Class-8 truck makers Paccar and Navistar International also fell.

Tesla this month pushed back its target for volume production on the Model 3 sedan – widely seen as crucial to the company’s long-term future – by about three months to fix production bottlenecks.

Osborne said Tesla‘s cumulative capex announcements now exceed $ 15 billion to $ 20 billion over the next few years.

Some analysts fear the trucks will be an expensive distraction for the company, which has never posted an annual profit and is in self-described “manufacturing hell” related to the $ 35,000 Model 3 sedan.

Jefferies analyst Philippe Houchois estimated that Tesla would need to raise $ 2.5 billion to $ 3 billion to keep production running smoothly.

“Longer term, we continue to think the capital intensity of the business model will keep returns below best-in-class auto(makers),” Houchois said in a research note.

Tesla‘s last debt sale in August was well-received in a hot bond market, allowing the company to increase the offering to $ 1.8 billion from $ 1.5 billion. But the bond has underperformed in the secondary market, suggesting it could be more challenging for Tesla to tap the high-yield debt market again so soon.

“They are losing $ 1.5 billion a quarter and the bond is unsecured so it is not of interest to me,” said Jim Brilliant, chief investment officer at Century Management.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Forget Turkey: Here’s How to Get Half-Priced Sonic Cheeseburgers on Nov. 21

You know turkey day is coming up next week.

And while many of us look forward to the giant meal that is the cornerstone of Thanksgiving, not all of us love turkey. Let’s face it, that bird can get pretty dry, pretty quick.

Sometimes what you want isn’t a glorious bird with all of the trimmings while surrounded by family.

Sometimes what you want is a cheeseburger. Alone. In the peace and comfort of your car.

Sonic feels your pain and is stepping to the plate to help you out.

Half-Priced Sonic Cheeseburgers for National Un-Turkey Day

Sonic is declaring Tuesday, Nov. 21 National Un-Turkey Day. And what’s the most un-turkey thing you can think of?

A  cheeseburger, of course.

So, for those of you craving that delicious concoction that Jimmy Buffett sang about so passionately, Tuesday is your day.

On Nov. 21, all Sonic locations will offer half-priced single-patty cheeseburgers all day, while supplies last.

The best part is It’s not a buy one, get one half off; it’s just half-priced burgers all day. Limit? Nope. There’s no catch here. Just head to Sonic and grab as many as you like at half price.

You may want to mention the deal when you order, though, just so there’s no mix-up. Otherwise, go ahead and load up like this guy (remember him?).

Before you settle in for Thanksgiving, give your body the beef frenzy it really craves with some half-priced burgers from Sonic on National Un-Turkey Day. All the joy, half the coin.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. He’d take a cheeseburger over roasted turkey any day. Catch him on Twitter at @Tyomoth.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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US housing starts surge to one-year high; permits up

U.S. home building jumped to a one-year high in October likely as disruptions caused by recent hurricanes in the South faded.
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Trump blasts Franken but stays silent on Moore

President Donald Trump, who has largely stayed mum on the allegations of sexual misconduct against Alabama Senate Republican candidate Roy Moore, blasted Democratic Sen. Al Franken Thursday night after a woman said he groped and kissed her without her consent.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

This is Why Internet Prices Keep Rising — And How to Cut Your Bill Down

If you haven’t had the pleasure of signing up for internet service lately, let me tell you about it.

I recently moved (out of my parents’ home). And although I’ve paid my fair share of utility bills in the past, I was shocked when I found out how much internet and a simple cable package would cost.

It would be about $ 140 per month, the nice representative told me.

*Insert my audible gasp and an “Are you serious?” here.*

I asked about just internet. I’d been talking about joining the horde of other households that have cut the cord anyways. After all, I have Netflix and Amazon Prime, and I’ve been wanting to sign up for Hulu. Those streaming services total about $ 27 per month.

“Just internet?” the nice representative repeats, likely rolling her eyes, because she’s already heard this question 100 times today. That’ll be  $ 69.99 a month.

Still? I breathed into the phone.

Why is Internet So Dang Expensive?

I need internet like I need electricity and water. I work from home once a week, and even if I’m going to cut the cord and opt for streaming services, well, I still need internet. I could opt to spend all my free time reading, but what about “The Real Housewives”?

I asked folks around the office, my friends, my family: Has internet always been this expensive? Because I don’t remember ever paying that much. Or maybe it’s because I always split the bill with roomies.

No one seemed super shocked. But I received one sign of validation when Consumerist recently reported that, yes, internet prices are increasing.

The Consumerist article cited a Morgan Stanley survey, which found that cable companies have increased internet prices by an average of 12% this past year.

For some concrete context, internet-only customers now pay an average of $ 66 per month for the service, whereas those who have a broadband and cable package pay $ 49 per month for internet.

What’s up, guys?

Well, like I’d considered, more and more of us are cutting the cord, which is leaving cable providers with no choice but to hike prices to make up for lost revenue.

And prices will keep on keepin’ on, analysts predict.

“Despite the double-digit cost increases, analysts believe the new prices might not be enough,” Consumerist writes. “Instead, companies would need to set their broadband-only prices to $ 80/month in order to offset the lost revenue from cord-cutters.”

What’s one to do?

How to Lower Your Internet Bill

Honestly, I felt defeated when I heard the innocent representative give me those price points.

I decided to go with the whole bundle — internet and cable and, yes, even a landline, because apparently not getting one increases your bill by about $ 30.

Now I’m going to pay an initial bill of $ 162 (install fees, of course) and subsequent bills of $ 140.

But there are a few options that’ll help you cut down (or attempt to) your monthly bill.

1. Straight Up, Ask For a Discount

Anyone who knows me knows I’m perhaps the most passive person ever, so the thought of this intimidates me a little.
But it’s worth a shot.
Plus, Penny Hoarder contributor Chris Ronzio outlined five easy steps to get the job done. And, no, none of them include yelling at — or crying to — your provider.

2. Get a Chatbot to Haggle For You

Ah, this sounds less stressful. Also, at this point, I’ve spent half my life on hold with my internet provider, and I’m so over it.

That’s why I’m going to follow my fellow Penny Hoarder’s lead and try using Trim. It’s a little bot that lives in Facebook Messenger or your text messages, and it’ll negotiate your cable or internet bills down for you.

It works with Comcast, Time Warner, Charter and other providers.

You can sign up simply with Facebook. Then, upload a PDF of your most recent bill, and Trim’s AI-powered system gets to work.

If at first it doesn’t succeed, it’ll keep negotiating until it can save you some money.

Also, if you have any outages, Trim believes you deserve a credit, and it’ll handle that for you.
Trim takes 25% of the savings tab.
This past weekend, I submitted my first bill. Trim is haggling with Spectrum at the moment. But I wanted evidence it works, so like all things I want proven, I turned to Twitter to see what people were saying. Here’s what I found:

 

 

 


I’m kind of pumped see what Trim can do for me!

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. While waiting for her first internet bill, she’s started using Trim to patrol her Amazon purchases. When an item’s price drops, she receives the difference!

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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AT&T, DOJ agree to extended review of Time Warner merger

AT&T and the Department of Justice have agreed to extend the review of its merger past Friday, two sources close to the situation said on Thursday. The agreement provides some glimmer of hope that the two sides can come to an agreement on terms to gain approval of the telecom’s $ 85 billion acquisition of Time…
Business | New York Post

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Your next taxi driver might be a robot

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Waymo is bringing autonomous taxis to the Phoenix metropolitan area and Navya will be soon to follow. Read more…

More about Mashable Video, Uber, Autonomous Cars, Self Driving Cars, and Lyft


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Can Al Franken survive?

Minnesota Democratic Sen. Al Franken’s political future is decidedly dicey in the wake of reports that he forcibly kissed and groped a woman named Leeann Tweeden during a 2006 USO tour of the Middle East.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Comcast, Verizon approached Twenty-First Century Fox to buy some assets: sources

(Reuters) – Comcast Corp and Verizon Communications Inc have both expressed interest in acquiring a significant part of Twenty-First Century Fox Inc’s assets, two people familiar with the situation told Reuters on Thursday.


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This is Why ETFs are a Simple Starting Point for Beginning Investors

In the world of investing, you’ll stumble across a number of seemingly nonsensical acronyms.

You’ve got ROE, ROA, ROIC, PEG, EPS, ETF… WTF?

The bad news is these are only a handful of many you’ll likely encounter.

The good news?

There are plenty of apps on the market these days making investing easy — and don’t require you to be versed in the ABCs of investing lingo.

You’ve likely heard of micro-investing apps, such as Stash.

They’re wonderful tools for those too timid — or who don’t have the funds — to go all Warren Buffett on the stock market. Each app basically holds your hand through the investing process and explains acronyms and concepts in ways that don’t induce panic.

But we do think it’s worth calling out one term in particular because, well, don’t you want to know where you’re investing your money when you use these apps?

You’re putting it into ETFs, or exchange-traded funds.

Where Your Money is Going…

Stash explains the concept fairly clearly: “An exchange-traded fund is a basket of investments bundled into a fund that is traded on an exchange. That fund owns the underlying assets (i.e. stocks and bonds) and usually tracks an index — or group of companies or securities with something in common.”

Paring it down even more, an ETF contains a group of stocks that have something in common.

Let me offer up an example, because examples always help.

Stash breaks ETFs into easy-to-understand names, such as its Clean and Green ETF. Like the name suggests, it contains a grouping of 29 renewable energy companies. (Really, it’s just a less-intimidating, more fun name for the iShares Global Clean Energy ETF.)

You could also choose to invest in a tech-centric ETF, which might include some big names, such as Apple and Amazon. Compare that to buying one share of Amazon, which goes for something like $ 1,000 these days. Sure, your returns might not be as high, but you’re not having to siphon $ 1,000 from your savings.

Another draw to ETFs is they typically have lower fees than traditional index funds. They might also cost shareholders less in taxes, according to the Wall Street Journal.

Stash offers more than 30 ETF options on its app, including more broad funds, such as “Conservative,” “Moderate” and “Aggressive” — depending on how frisky you’re feeling (and your age. Experts suggest being more aggressive if you’re younger, but that’s a different story).

If you’re interested in exploring the world of ETFs, check out a variety of offerings from Stash.

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. She’s a millennial, which apparently means she’s too nervous to invest.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Roy Moore’s lawyer casts doubt on accuser’s story, yearbook inscription

Former Judge Roy Moore continues to deny allegations of sexual abuse against him, his attorney Phillip L. Jauregui said at a news conference Wednesday, during which he attempted to cast doubt on the story of one of Moore’s accusers.


CNN.com – RSS Channel – Politics

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Mark Cuban Says Tax Rates Have Almost No Impact on His Investments

Billionaire entrepreneur and potential presidential candidate Mark Cuban said on Wednesday that a cut in the U.S. corporate tax rate would have little to no effect on his investment decisions.

Bills before both the U.S. Senate and the House of Representatives would cut the corporate rate from the current 35% to 20%.

President Donald Trump and other supporters of the tax cut bills say reducing corporate and other taxes would boost the U.S. economy by freeing up capital that would be invested in job-creating industries.

But Cuban said the tax rate had zero impact on decisions whether to invest in small businesses, as he does through the reality show “Shark Tank,” and almost no effect on decisions for his own lineup of tech and entertainment companies.

“Competition drives what I do in my businesses a whole lot more than tax rates,” Cuban told a Reuters Newsmaker forum entitled “The Trump Budget Debate” and moderated by Reuters Editor-at-Large Harry Evans.

“Amazon


amzn



is going to affect a whole lot more companies and futures, as will Microsoft


msft



and Facebook


fb



and Google


goog



and other big companies, a lot more than a marginal tax rate,” Cuban said.

Economists who joined Cuban on the panel also disputed the traditional conservative or supply-side argument behind tax cuts.

For more on Mark Cuban, watch Fortune’s video:

Alan Blinder, a Democrat and former vice chair of the Federal Reserve’s board of governors, said data going back decades have failed to show a correlation between tax rates and subsequent growth.

Mark Zandi, a Democrat and chief economist at Moody’s Analytics, said “taxes matter” and that well-constructed tax policy can improve long-term growth but not nearly as much as the assumptions made by the Trump administration. In any case, Zandi said, the House and Senate proposals were “very bad tax policy.”

Dambisa Moyo, a Zambian-born global economist, said technology, demographic shifts such as immigration, and debt have far more impact than do taxes on growth.

Cuban argued that the best tax cut to spur growth would be employment tax reduction such as the 2-percentage-point payroll tax reduction that former President Barack Obama signed in 2010.

Employment taxes are paid both by workers, via withholdings from their wages, and by employers.

Cuban, 59, a onetime supporter of Trump who later endorsed Democrat Hillary Clinton in the 2016 presidential campaign, has told interviewers since early October that he is considering his own presidential run in 2020.

Asked about it by a member of the audience on Wednesday, he responded, “I don’t know yet.

“It’s a serious decision and it’s not one I have to make today,” Cuban said.


Fortune

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Roy Moore writes open letter to Sean Hannity after Fox News host’s ultimatum

U.S. Senate candidate Roy Moore published an open letter to Sean Hannity on Wednesday night pushing back against allegations of sexual abuse that have placed his campaign at the center of a national firestorm and prompted prominent members of the Republican Party to call on Moore to withdraw from the race.
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Is Black Friday Dead? Here’s How to Save Shopping Online (Just in Case)

It’s with a heavy heart that we inform you: Some news outlets are reporting the death of Black Friday.

But we can’t seem to dig up its official death certificate over here at Penny Hoarder HQ.

Maybe because the retail holiday isn’t totally dead; it’s just not as sparkly and exciting as it used to be.

Not as many folks are finding the appeal in camping out in the Best Buy parking lot or tackling some unsuspecting stranger to the ground for that snazzy TV.

This has to do with folks wanting, in part, to shop online while eating leftover turkey on their couch, sans pants. And yes, the digital deals are just as good these days, anyway.

Shopping Black Friday Online Deals? 4 Ways to Save More

That scene I described above… the one with the leftover turkey, the couch and the no pants thing… that’s me.

And, apparently, millions of other Americans, too. The National Retail Federation found that 3 million fewer folks shopped in stores on Thanksgiving weekend last year. Rather, 5 million more people shopped online.

Here are four ways I’m planning to save even more money this Black Friday weekend.

1. Drop It, Drop It Low (The Prices, Duh)

Where will you be shopping online this Black Friday? Think about it for a second.

For me, it’ll likely be Amazon, Nordstrom and Zappos.

OK, now download Drop, an app that automatically grants you points on all qualifying purchases. Let me walk you through how I signed up:

  1. Enter your phone number here. Drop will “drop” you a link via text.
  2. Download the app.
  3. Link your most-used debit or credit cards. This is what will trigger your accumulation of points, so you don’t even have to think about it.
  4. Select your five favorite retailers.

Done. Now say I shop Target online during Black Friday. Drop will automatically give me eight points per dollar spent.

Once I hit 10,000 points, I’ll be able to cash out for a $ 10 gift card.

2. Earn(y) Cash Back When Prices Fluctuate

Black Friday is supposed to be the day of lowest prices EVER, but we all know that’s a half-truth.

Say I’m planning to try to find some heavily discounted boots. Well, I buy them for $ 39.99. But a week after Black Friday, I find the price dropped another $ 5.

Instead of kicking myself, I’ve signed up for Earny. He’ll (err, the robot) will comb my receipts in my inbox and keep an eye on price drops. If… and when… that happens, Earny will contact the retailer and claim the difference for me. So if what I said above happens, I’ll snag $ 5.

It can find price drops with some big-name retailers like Walmart, Target, Nordstrom, Jet and, yes, Zappos.

3. Hunt Down Promo Codes

You might not have to do a ton of hunting for promo codes on Black Friday. Hopefully your favorite retailers promote those on their homepages.

If not, poke around and see if you can find something.

Try finding “Hot Deals” over at Ebates.

For example, at the time of this writing, I could snag 30% off anything from The Popcorn Factory. Or 10% off $ 35 at Barnes & Noble. Or try 25% off skincare products at Philosophy.

I prefer to search by store to make it easy (and so I don’t get roped in by other “ooooh shiny” deals).

4. Pocket Cash When Shopping Through Ibotta

At this point, I’ve done all the prep I’m going to do. Now, it’s time to shop.

If I’m buying anything from Amazon, Overstock, Target or Walmart, for example, I open my Ibotta app and shop through it.

Sure, it can be slightly annoying to shop through my mobile phone, but I usually find what I’m looking for on my laptop, then find it again after opening Ibotta.

Recently, I earned $ 1.14 on a one-item order from Amazon, $ 3.21 from Target.com and $ 1.49 at Overstock.

Since signing up in May, I’ve earned nearly $ 85 back on items I’d normally buy. So you betcha I’ll stack even more savings this upcoming Black Friday weekend. (Also because I’m in a race with co-workers to see who can save the most.)

Anyway, those are four of my favorite easy tips to help you save more money while shopping online during Black Friday. If you want even more, check out this post on saving (and making) money while shopping online.

Perhaps next year we’ll be eulogizing Black Friday. But for now, it’s still kickin’.

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. You can find her powering through a turkey coma to find the best online deals this Black Friday.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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CEOs raise doubts about Gary Cohn’s top argument for cutting corporate taxes right in front of him

Business leaders called into question one of Cohn's top arguments for slashing the corporate tax rate to 20 percent.
Economy

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By combining Obamacare with taxes, GOP goes for it all

Despite nearly a year’s worth of heartache, Republicans can’t quit trying to repeal Obamacare.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Target’s newest store is a preview of the chain’s future

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Targets everywhere are about to get a radical makeover.

The retailer opened the first of a new model of store this week in the Houston suburb of Richmond, Texas, kicking off what the company claims will be its most ambitious redesign to date. 

Target has said it plans to pour billions of dollars into remodeling hundreds of its existing locations in the Richmond store’s image over the next few years.

As the chain faces more competition than ever from online retailers, the new blueprint puts customer convenience above all else.  Read more…

More about Target, Business, and Other


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Individual mandate repeal to be included in Senate’s tax bill

Sen. Rand Paul announced Tuesday he plans to offer an amendment to the Senate tax bill to repeal Obamacare’s individual mandate that requires individuals to have health insurance or face a fine.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

NutriBullet users claim exploding blenders caused horrific burns

At least 14 people are suing the makers of “NutriBullet” over claims that the product burst during use, leaving them with severe lacerations and burns. The alleged victims claim the speed of the blade causes heat and pressure to build in the sealed vessel, which causes the container to burst from the rest of the…
Business | New York Post

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Bipartisan analysis: Senate bill would hike taxes for 13.8M

WASHINGTON (AP) — Promoted as needed relief for the middle class, the Senate Republican tax overhaul actually would increase taxes for some 13.8 million moderate-income American households, a bipartisan analysis showed Monday.
Business Headlines

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Sprint to Give Unlimited Customers Free Hulu Access, Analyst Says

Sprint is planning to give customers on its unlimited data plans free subscriptions to the Hulu streaming video service.

The move will help Sprint match T-Mobile’s


tmus



free Netflix give away and AT&T’s


t



free HBO bundle for its unlimited customers, according to Jeff Moore, Principal of Wave7 Research, which uncovered the upcoming Sprint offer. Sprint declined to comment.

After almost a year of fierce competition over wireless service prices, the carriers have lately engaged a war over freebies and discounts on phones. Sprint’s


s



Hulu deal would follow the carrier’s trade-in offer giving away free iPhones as well as a promotion charging just $ 90 for five lines of unlimited data service.

“Sprint is planning to include TV shows from Hulu with its unlimited plans,” Wave7 said in a research report. “Dealers have been told that this is ‘coming soon.’ There will be one subscription per account and it will be described as a $ 7.99 value.”

Hulu is the third-largest subscription Internet video service after Netflix


nflx



and Amazon’s


amzn



Prime Video, analysts say. It is owned by major TV producers Disney


dis



, 21st Century Fox


fox



, Comcast


cmcsa



, and Time Warner


twx



.

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Once Sprint starts the Hulu deal, Verizon


vz



will be the only major carrier that doesn’t offer its unlimited subscribers a free video service. In mid-September, Verizon CEO Lowell McAdam said that he’d have a major content deal to announce by month-end for both wireless and Fios wired Internet customers. But weeks later, the carrier has not announced anything yet.

Sprint


s



already offers customers six months of free access to the Tidal streaming music service.


Fortune

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

CHARITY UPDATE:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

White House says Trump, Duterte ‘briefly’ discussed human rights but Philippine spokesman says they didn’t

President Donald Trump and Philippine President Rodrigo Duterte, who lavished pleasantries on each other during public appearances in Manila Monday, “briefly” discussed human rights and the Philippine’s bloody war on drugs during their closed-door conversation, the White House said.


CNN.com – RSS Channel – Politics

SPECIAL NEWS BULLETIN:

http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Hundreds of millionaires are banding together to tell Congress: Raise our taxes

Over 400 wealthy Americans are reportedly sending a letter to Congress asking for a tax hike on the rich.
Economy

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Chinese shoppers spent $25 *billion* on Alibaba’s Singles Day

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Singles Day is like if Amazon Prime Day was a real national holiday. And this year, shoppers in China spent $ 25 billion in 24 hours. 

The 8-year-old e-commerce holiday promoted by Alibaba—Amazon’s biggest competitor and an e-commerce force in China—started as an anti-Valentine’s Day encouraging single people to buy gifts for themselves every Nov. 11. Now, it comes with crazy deals and nationally televised concerts. This year, Nicole Kidman and Pharrell Williams made appearances. 

Shoppers spent $ 25.3 billion, or 168.2 billion yuan, this year—a 40 percent jump from last year’s $ 17.8 billion. That’s 1.48 billion transactions, or 256,000 transactions per second at the day’s peak.  Read more…

More about Amazon, China, Asia, Alibaba, and Jack Ma


Business

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GLOBAL MARKETS-Asia shares down on caution over US tax reform plan, sterling falls

TOKYO, Nov 13 (Reuters) – Asian shares stepped back in
cautious early trade on Monday as investors look to see whether
U.S. Republicans can hammer a tax reform deal quickly, while the
British pound fell on growing doubts over Prime Minister Theresa
May’s leadership.


Reuters: Company News

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Trump complicates his effort to build warmer Russia ties

President Donald Trump tore up his diplomatic script this weekend in favor of an angrier, more familiar role after his conversations with Russian President Vladimir Putin at an economic summit were limited to hallway conversations lasting little more than five minutes.


CNN.com – RSS Channel – Politics

SPECIAL NEWS BULLETIN:

http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

7 free or cheap ways to celebrate Veterans Day (Plus 70+ deals for vets & their families today!)

In honor of Veterans Day, now is the perfect time to talk about some ways to honor the brave men and women who wear the uniform of our nation.

WAYS TO SAVE TODAY: Veterans Day deals & freebies: 70+ great ways to save!

7 affordable ways to celebrate Veterans Day

1. Send expired coupons to the troops – Military families can use expired coupons in overseas commissaries for up to six months after the expiration date. Here’s a way to mail your expired coupons to make sure they get overseas to a base. Meanwhile, here are some more great tips for getting involved, and how you can make sure you’re sending the right kinds of coupons.

2. Tell a vet about the SBA initiativeThe Veterans Pledge Initiative can help veterans with obtaining loans to start or expand a small business. Potential lending to veterans may result in as much as $ 475 million in new funding over the next five years, which will be 5% above the existing lending baseline to veterans.

3. Tell them about discounted vacation options – Military members have special ways to save on Disney vacations. ShadesofGreen.org is a special program offered for military personnel and families in partnership with Disney. Discounted lodging at parks starts at $ 95 a night. Armed Forces Vacation Club is a similar service.

RELATED: State Defense Force sign up

4. Let them know about active duty alerts on their credit files – Military personnel can put a “military fraud alert” on their credit reports. The alerts ensure that credit reporting companies are taking additional steps to verify a person’s identity when applying for credit. The idea is to protect deployed persons from becoming victims of identity theft. The FTC has compiled a helpful guide that details the process of putting an active duty alert on your credit records.

5. Connect them with free financial advice – The certified military counselors at Clearpoint ReConnect can help our fighting men and women create a family budget, start a debt management plan, become a homeowner, avoid foreclosure or just get their finances in order. This service is free and confidential.

6. Let them know how to get their real credit score for free – Active duty personnel and their spouses can see their real FICO score for free online by visiting SaveandInvest.org/military.

7. Tell a vet how they can get an 11% discount on November 11. To celebrate Veterans Day, Dollar General is offering an 11% discount that’s good on all purchases made both in store and online.

RELATED: Military Guide — Getting your finances and affairs in order


How to avoid military scams


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Celebs turn out for Tina Brown’s book launch

It was a star-studded night at Michael’s to celebrate the launch of Tina Brown’s latest book, “The Vanity Fair Diaries” — and they were partying like it was 1989. “It was a great moment when Alec Baldwin, Anna Wintour and Tom Wolfe all arrived at once, like an old issue of VF in its ’80s…
Business | New York Post

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Asia-Pacific leaders say to fight ‘unfair trade’ in nod to Trump

DANANG, Vietnam (Reuters) – Asia-Pacific leaders agreed on Saturday to address “unfair trade practices” and “market distorting subsidies” in a statement that bore the imprint of U.S. President Donald Trump’s efforts to reshape the global trade landscape.


Reuters: Business News

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The 29 most eye-popping lines from Trump’s press gaggle in Vietnam

Flying between Da Nang and Hanoi, Vietnam, on Saturday, President Donald Trump decided to talk to the press corps. And man did he talk.


CNN.com – RSS Channel – Politics

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

IPhone X Deal Caps Off Busy Week for Apple

With holiday shopping kicking off and the iPhone X finally on store shelves, the Apple universe is heating up.

Over the last several days, talk of potential new products and upgrades dominated Apple headlines. The reports suggest that Apple is considering bringing key iPhone X features, including its Face ID face scanner, to future iPads. The company is also rumored to be working on an augmented reality headset that would let users simultaneously interact with virtual objects, like apps, and the environment around the users.

And in a surprising move, one retailer has become the first to give away a gift card to people who buy a new iPhone X.

Get Data Sheet, Fortune‘s technology newsletter

So, let’s review the biggest headlines from Apple’s past week:

This is Fortune‘s latest weekly roundup of the biggest Apple news. Here’s last week’s roundup.

  1. Apple is working on an augmented reality headset, according to a Bloomberg report. The headset, which likely wouldn’t be released until 2020, would overlay virtual objects on the real world and allow users to interact with both worlds at the same time. In addition to the headset, Apple is also said to be building a new operating system that would power the headset.
  2. Another report this week said that Apple is considering bringing iPhone X design elements to next year’s updated iPad. If true, the tablet would come with the Face ID facial scanner featured in the iPhone X that verifies a person’s identity and gives him or her access to the smartphone’s software. The iPad might also get a design overhaul with a screen that nearly covers its face and leaves no room for the Touch ID fingerprint sensor. In a commentary this week, I argued that Face ID should be available on all Apple hardware, including iPads and Macs. Check it out.
  3. Interested in visiting Apple Park, the company’s new headquarters in Cuptertino, Calif.? Apple will open the its visitor center on Friday, which features an Apple Store, cafe, and a rooftop observation deck from which you can see the rest of Apple’s campus.
  4. In the three-month period ending Sept. 30, Apple shipped 13 million iPhone 7s worldwide, researcher Canalys announced based on its analysis of global smartphone shipments.Meanwhile, Apple shipped 6.3 million iPhone 8 Plus models and 5.4 million iPhone 8s. However, since the iPhone 8 line launched in mid-September, it was available for less than two weeks before the quarter ended.
  5. Apple acknowledged this week that some iPhone X displays may malfunction in cold temperatures. According to Apple, the iPhone X is designed to be used in temperatures between 32 degrees and 95 degrees. If the iPhone X is used outside of that range, its screen could turn off and its battery could lose some charge. When the iPhone X is returned to the standard temperature range, however, it resumes normal operation. Apple plans to release a software update at some point in the future to fix the problem.
  6. Apple this week released a software update to its mobile operating system iOS 11 to fix a bug that autocorrected the letter “i” with a symbol that appeared as “A[?].” Now when iPhone or iPad users type the letter i, the actual letter shows up.

One more thing…If you want to get some cash back on the iPhone X, Sam’s Club is offering a one-day sale today on Apple’s latest smartphone. If you buy the iPhone X at its full $ 999 price, Sam’s Club will give you a $ 250 in-store gift card and waive the $ 40 activation fee to get the smartphone running on your carrier network. The deal is available only in Sam’s Club locations and will expire after today.


Fortune

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

CHARITY UPDATE:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Roy Moore calls allegations against him ‘completely false’

Alabama Republican Senate candidate Roy Moore says the allegations of sexual misconduct against him are “completely false.”


CNN.com – RSS Channel – Politics

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Bill Gates, Jeff Bezos, Warren Buffett have more wealth than half the population of the US combined

A new report from the Institute for Policy Studies highlights the extreme inequality in America.
Economy

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An app where teenagers lip synch reportedly got bought for $1 billion

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$ 1 billion. That was the price tag for what’s cool, according to Justin Timberlake Sean Parker’s conversation with Facebook cofounder Mark Zuckerberg.

Apparently, it’s still true. 

Musical.ly just sold to Beijing Bytedance Technology, the companies announced Friday. The price tag was between $ 800 million to $ 1 billion, the Wall Street Journal reported. If you haven’t heard of Musical.ly, you may be old — or perhaps you just forgot about it. 

After launching three years ago, the smartphone app quickly became a viral sensation. The concept was simple: Create 15-second music videos. Tweens and teens became obsessed with lip-syncing to their favorite songs. By 2016, it had attracted 100 million users. It even launched some new social media stars like Jacob Sartorius.  Read more…

More about Facebook, China, Online Video, Creators, and Musical.Ly


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Senate Republicans are powerless to stop Moore

Senate Republicans face a dire reality in Alabama following sexual misconduct accusations about Roy Moore, their Senate nominee in Alabama: They want Moore gone from the race but are largely powerless to make that happen.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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China signs on to Alaska gas pipeline, but it’s far from set

ANCHORAGE, Alaska (AP) — The latest push in a decades-long effort to commercialize vast stores of Alaska’s natural gas got a boost when the state announced a deal with three Chinese companies. But the $ 43 billion project is far from reality.
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Trump’s CNN attacks may hobble legal case to block AT&T-Time Warner deal

WASHINGTON/NEW YORK (Reuters) – President Donald Trump’s broadsides against cable network CNN may complicate the U.S. government’s legal case if it decides to block AT&T’s deal to buy media company Time Warner, according to legal experts.


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Mueller interviews top White House aide

White House senior policy adviser Stephen Miller has been interviewed as part of special counsel Robert Mueller’s Russia probe, according to sources familiar with the investigation.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Kiwi, kidney beans and Kindles: Amazon to sell at Whole Foods

NEW YORK — You may see more of Amazon inside Whole Foods soon: The online retailer, which has been already been selling its voice-activated Echos at Whole Foods, will start to sell Kindles, Fire tablets and other Amazon devices at its grocery stores. The move gives Amazon, which bought Whole Foods this summer, another place…
Business | New York Post

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Warning: Do NOT buy these gift cards this holiday season

If you’re struggling to figure out what to get somebody on your Christmas list this year, money expert Clark Howard says there’s one thing you shouldn’t buy: gift cards.

The risk is just too high that the gift card will turn out to be worthless, according to Clark.

Why giving gift cards for Christmas is a bad idea!

RELATED: #1 secret to avoid overspending this holiday season

“There’s never been a year that it has been more dangerous to receive or to give gift cards for restaurants and retailers,” Clark said. “Both industries are having a terrible time right now.”

Major retailers closed more than 5,000 stores in 2017. Sears, J.C. Penney and Macy’s are among the companies that closed some locations amid increased competition from Amazon.

Meanwhile, several mall-based chains, including The Limited, Wet Seal and American Apparel, shut down all of their stores.

Restaurants haven’t fared much better. Applebee’s, Outback Steakhouse and Joe’s Crab Shack are a few of the chains that also closed some locations — often without notice to workers and guests.

If you give someone a gift card and they don’t use it right away, they could be out of luck if the store goes out of business.

“Someone who knows me well gave me gift cards for an ice cream parlor that I really liked — past tense. When I finally went, it was closed and the money was gone,” Clark said.

Keeping up with the wave of bankruptcies and store closures is a lot of work, so Clark recommends that you steer clear of gift cards altogether — even prepaid cards from Visa, Mastercard and American Express.

People tend to have a hard time using every penny on those cards, plus there are typically fees to buy them.

“I have a card somebody gave me that still has $ 2.50 on it. Everywhere I go and try to use it, I get declined because I can’t find anything that’s less than $ 2.50,” Clark said.

The better gift this holiday season? Cash. There’s no expiration date and you can use it just about anywhere!

RELATED: The best days to shop between now and Christmas


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Flynn worries about son in special counsel probe

Former White House national security adviser Michael Flynn has expressed concern about the potential legal exposure of his son, Michael Flynn Jr., who, like his father, is under scrutiny by special counsel Robert Mueller, multiple sources familiar with the matter tell CNN.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Trump Tells China He Believes in a Solution to the North Korea Nuclear Crisis

U.S. President Donald Trump told Chinese President Xi Jinping on Thursday that he believes, like Xi, that a solution can be found to the North Korean nuclear issue, a day after warning Pyongyang of the grave danger of developing nuclear weapons.

Speaking alongside Xi in the Chinese capital, Trump also said it was disappointing that his predecessors had let the bilateral trade balance get out of kilter.

“But we will make it fair and it will be tremendous for both of us,” Trump said, expressing respect for Xi.

Trump is pressing China to tighten the screws further on North Korea and its development of nuclear weapons. At least modest progress is hoped for, although there are no immediate signs of a major breakthrough, a U.S. official said earlier on Thursday.

Referring to Xi, Trump said: “I do believe there’s a solution to that, as do you.”

In a show of the importance China puts on Trump’s first official visit, Thursday’s welcoming ceremony outside Beijing’s Great Hall of the People overlooking Tiananmen Square was broadcast live on state television–unprecedented treatment for a visiting leader.

Xi said he had a deep exchange of views with Trump and reached consensus on numerous issues of mutual concern.

“For China, cooperation is the only real choice, only win-win can lead to an even better future,” he said.

Xi said China and the United States strengthened high-level dialogue on all fronts over the past year and increased coordination on major international issues, such as the Korean peninsula and Afghanistan.

“Relations between China and the United States are now on a new historical starting point,” Xi said

Trump and Xi hit it off at their first meeting in April at Trump’s Mar-a-Lago resort in Florida and continued their “bromance” on Wednesday with an afternoon of sightseeing together with their wives, followed by dinner. However, deep divisions persist over trade and North Korea.

And while Xi is riding high after consolidating power at a twice-a-decade Communist Party Congress last month, Trump comes to China saddled with low public approval ratings and dogged by investigations into Russian links to his election campaign.

‘HORRIBLE’ TRADE SURPLUS

Trump has ratcheted up his criticism of China’s massive trade surplus with the United States – calling it “embarrassing” and “horrible” last week – and has accused Beijing of unfair trade practices, fueling worries of increased tension between the world’s two largest trading countries.

For its part, China says U.S. restrictions on Chinese investments in the United States and on high-tech exports need to be addressed.

More than $ 250 billion in commercial deals between U.S. and Chinese firms were signed during the visit, China’s commerce minister said. Several corporate CEOs are in Beijing as part of a delegation led by U.S. Commerce Secretary Wilbur Ross.

Some in the U.S. business community have expressed worry that contract wins could come at the expense of resolving long-standing complaints over market access restrictions in China.

“This shows that we have a strong, vibrant bilateral economic relationship, and yet we still need to focus on leveling the playing field because U.S. companies continue to be disadvantaged doing business in China,” said William Zarit, chairman of the American Chamber of Commerce in China.

Trump railed against China’s trade practices during the 2016 U.S. presidential campaign and threatened to take action once in office. But he has since held back on any major trade penalties, making clear he was doing so to give Beijing time to make progress reining in North Korea.

‘IN SYNC’

A U.S. official said both sides are “in sync” about wanting to minimize friction during the visit and recreate the positive tone of the Mar-a-Lago summit.

Trump was not expected to put much emphasis in his talks with Xi on thorny issues like the disputed South China Sea and self-ruled Taiwan, claimed by China as its own, although the two presidents’ aides may deal with those matters privately, the official told Reuters, speaking on condition of anonymity.

China has repeatedly pushed back at suggestions it should be doing more to rein in North Korea, which does about 90 percent of its trade with China, saying it is fully enforcing U.N. sanctions and that everyone has a responsibility to lower tensions and get talks back on track.

Trump used some of his toughest language yet against North Korea in a wide-ranging address in Seoul on Wednesday that lodged specific accusations of chilling human rights abuses, although he offered no evidence to support the accusations.

He also called on countries around the world to isolate Pyongyang by denying it “any form of support, supply or acceptance”.

Chinese state media praised the tone of the initial get-together on Thursday, part of what China has promised will be a “state visit plus” for Trump.

“Trump seems to be pragmatic on his Beijing policy, and has no interest in ideological diplomacy.He hasn’t used the issue of human rights to make trouble for China so far, and this means theSino-US relationship can focus on substantive matters,” influential tabloid the Global Times said in an editorial.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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GOP tax cut plan would add $1.7 trillion to the deficit, CBO projects

Under the GOP tax plan, U.S. debt would rise to 97.1 percent of GDP, according to the CBO.
Economy

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On National STEM Day, there’s still a lot of work to do for women

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It’s National STEM day, and that means yet another reminder that women are underrepresented in science, technology, engineering, and math. 

As educators mark their field’s national holiday, LinkedIn isn’t letting us forget one of the core problems facing STEM students and professionals. 

The jobs site looked at gender representation across college degrees and across software and IT, healthcare, and finance—all STEM-heavy fields. 

“In honor of National STEM Day, we looked at how women around the globe are faring in STEM-heavy industries—software and IT, healthcare, and finance. This included looking over the past 10 years on what women studied in university to ultimately land them in their respective careers,” LinkedIn wrote in a blog post. “What we found was that the gap starts early. While women are pursuing degrees relevant to STEM fields, they are severely underrepresented amongst graduates with technical degrees, and there is a high demand for more women in STEM fields.”  Read more…

More about Linkedin, Stem, Women In Tech, Stem Gender Gap, and Stem Education


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UPDATE 2-Merged fertilizer firm Nutrien eyes U.S. farm suppliers as cash pile builds

WINNIPEG, Manitoba, Nov 8 (Reuters) – Nutrien, the company
to be formed from the merger of Agrium Inc and Potash
Corp of Saskatchewan, plans to expand its U.S. farm
supply network and return cash to shareholders, Agrium Chief
Executive Chuck Magro said on Wednesday, as it leverages
unusually flush coffers during an agriculture slump.


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The Virginia governor’s race is going to send Republicans into a total panic

Ed Gillespie’s resounding loss in Tuesday’s Virginia governor’s race will likely take what was bubbling concern among Republicans about their prospects in the 2018 midterms and transform it into a frothing cauldron of panic.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Tuesday’s elections test the nation’s political mood a year after Trump’s win

A year after President Donald Trump’s shocking victory, the state and local elections Tuesday will test whether Democrats can finally deliver big wins to their base — or Republicans have figured out how to run in the Trump era.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Oprah’s investment in Weight Watchers is paying off big time

Oprah may be slimming down, but her wallet’s getting fatter — a lot fatter. The media mogul has seen her investment in Weight Watchers soar 617 percent over the past 25 months — as her efforts as a pitchwoman for the weight loss company has attracted an uptick in subscribers. The last 8.8 percent of…
Business | New York Post

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Here are all the places Trump is losing support

A new CNN poll shows that just 36% of Americans approve of the job Donald Trump is doing, the lowest mark to date in his presidency. (That’s in keeping with a number of other polls of late.) 


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Apple built its tax home on an island you’ve probably never heard of

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A giant amount of Apple’s profits answer to the tax laws of no nation.

Jersey is an island floating in the English Channel, a bit closer to France than the United Kingdom, and, according to information obtained by the German media outlet Süddeutsche Zeitung, distributed by the International Consortium of Investigative Journalists, and published by The New York Times, it is the tax home to subsidiaries of Apple that help the giant corporation avoid paying taxes on billions of dollars.

Jersey is one of those places the average person isn’t likely to know much about unless they a) were born there, b) spend a lot of time coming up with offbeat vacation destinations, or c) are working with (or are a member of) a ginormous company that doesn’t like taxes.  Read more…

More about Tech, Business, Uk, Business, and Big Tech Companies


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Google and Salesforce Just Signed a Big Cloud Partnership

Google and Salesforce just become better friends.

The two tech giants said Monday that they had signed a deal in which the two companies would make their respective services work better with each other.

Customers of Google’s G Suite-branded business software will be able to more easily use Salesforce’s


crm



sales analytics tools with Google’s business services like its online word processing software and spreadsheets.

Although businesses could previously use the two companies’ products with each other, Salesforce executive vice president of business partnerships Ryan Aytay pitched the partnership as providing a deeper level of integration. One such feature will let companies move customer data stored in Salesforce into Google’s data crunching service for marketers, Google Analytics, Aytay said during a press conference.

Salesforce customers will also get a free year of Google’s


goog



G Suite service, Aytay added.

He also said that Google is now a Salesforce “preferred cloud partner,” a title that the search giant also shares with Amazon Web Services. Salesforce’s preferred cloud partners sell Salesforce access to computing resources and infrastructure that Salesforce can use to build and improve its own software services.

As part of the deal, Salesforce will now use Google’s overseas data centers when it wants to expand in other countries. Aytay said the deal with Google would not affect its deal with Amazon, and that Salesforce has a “great relationship with Amazon.”

Under the deal, Google will pitch Salesforce’s software services to its own business customers. Likewise, Salesforce employees will use Google’s G Suite software.

Technology analyst Rebecca Wettemann, of Nucleus Research, noted that the new deal seems similar to a Google-Salesforce partnership in 2008, when Google was pitching its older Google Apps business software. Google’s head of partnerships for its cloud business unit said the new deal is different, however, because of the amount of investment Google is now making in its burgeoning enterprise unit, which wasn’t the case nearly a decade ago.

Wettemann remains skeptical of the partnership saying that in the business of cloud computing, people frequently “hear these ‘I love you announcements.'”

“There’s a lot of speed dating in the cloud world,” Wettemann said about the frequency of partnership deals between big companies. For example, Salesforce partnered with IBM in March, and then last year, it also partnered with Amazon’s cloud computing unit.

Still, the fact that Google seems more focused on attracting business clients than in the past is worth noting, Wettemann explained. This wasn’t the case in the past, she said, and often Google would suddenly make changes to its workplace software. Although the sudden software changes may not bother consumers, they do upset businesses. With Google more focused on landing business clients, she expects the company to be more responsive to business’ needs.

“Google clearly wasn’t ready for business then,” Wettemann said.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Fed’s Dudley appeals to Congress to ‘do no harm’

The Federal Reserve's point-person on Wall Street appealed to Congress on Monday to "do no harm" as it considers slicing back regulations put in place to protect the U.S. economy in the wake of the financial crisis.
Economy

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UPDATE 2-CVS to start next-day delivery amid potential Amazon entry

Nov 6 (Reuters) – U.S. drugstore chain CVS Health Corp
said on Monday it would start next-day delivery from its
stores in 2018, a move some analysts said was in response to
Amazon.com’s potential entry into prescription drug
sales.


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Trump says Texas shooting result of ‘mental health problem’ not US gun laws

President Donald Trump on Monday morning decried the shooting in Texas as an “act of evil” and called it “horrific” in his first public remarks since a gunman killed 26 people in a Texas church.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Half of Americans think this credit card practice should be illegal

When you’re out shopping through the holiday season and get to the register, keep in mind that sales associates are under enormous pressure to get you to sign up for a store credit card.

They may offer incentives like “20% off your first purchase” or “0% special financing for 12 months.”

RELATED: New tool offers credit card perks without debit card dangers

Warning: Do NOT sign up for these credit cards 

These offers can be very tempting to people who are on a tight budget — especially around the holidays — but they come at a steep cost once the grace period is over.

It’s all because of deferred interest, which money expert Clark Howard refers to as “hideous retroactive interest.”

Here’s an example: 

Bonnie goes to the register and her total comes to $ 1,000. The cashier asks if she’d like to open a store card to receive no interest financing for six months.

She gets approved for instant credit and is grateful for the extra time to pay for the items.

At the end of the six months, Bonnie has paid off all but $ 50 of the balance and plans to send in the last $ 50 the following month.

But to her surprise, she receives a $ 250 interest charge on her very next bill!

Clark: Beware of ‘hideous retroactive interest’ 

How could this happen? With a normal 0% credit card offer, interest only applies to the balance remaining after the special financing period is up.

However, retailers that offer special financing with deferred interest don’t work the same way.

If you miss a monthly payment or don’t repay your full balance within the 0% period, interest is applied retroactively to the original purchase amount.

That’s how Bonnie from our example was charged $ 250 in interest for a $ 50 balance. It’s like the 0% rate never existed!

According to WalletHub’s 2017 Deferred Interest Study, 61% of people think retroactive interest is unfair and 50% believe it should be illegal.

Here’s a look at the retailers that use deferred interest: 

Store cards charge up to 30% interest 

Deferred interest isn’t the only problem with store-only credit cards. They’re known for having regular interest rates much higher than general-purpose cards — some as high as 30%.

The average retail card APR (annual percentage rate) is 24.99%, according to a study from CreditCards.com. 

“Instant credit should be called instant debt,” Clark said. “When people take instant credit here, there and everywhere, they end up in debt not to their eyeballs — but above.”

Clark says you’re better off using the regular credit card that’s already in your wallet or just pay with cash!

Recap of Clark’s take:

  • One-store-only credit cards are inferior to general-purpose cards
  • Always pay your balance in full every month
  • Read the fine print to avoid deferred or retroactive interest

RELATED: Clark’s #1 secret to avoid overspending this holiday season


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Trump arrives in Japan, first in five-country Asian tour

President Donald Trump touched down in Japan late Saturday ahead of a 13-day trek through Asia that he hopes will divert from a bruising political controversy back home.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Sprint, T-Mobile call off merger after months of talks

SAN FRANCISCO/NEW YORK (Reuters) – Sprint Corp and T-Mobile US Inc said on Saturday they have called off merger talks to create a stronger U.S. wireless company to rival market leaders, leaving No. 4 provider Sprint to engineer a turnaround on its own.


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Report: Brazile considered replacing Clinton with Biden as nominee

Donna Brazile, the former interim Democratic National Committee chair, wrote in her new memoir that she considered pushing for the removal of Hillary Clinton from the 2016 ticket and replacing her with then-Vice President Joe Biden, according to a report published Saturday.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Master the entire Microsoft Office Suite for less than $40

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Just to let you know, if you buy something featured here, Mashable might earn an affiliate commission.

Ok, let’s all just admit it. We’ve all had Microsoft Office under “skills” on our resumes for the last decade. And once we actually get an assignment that requires it, then the Googling starts. And the panicking. And the sweating.

If you want to actually learn Microsoft Office (and not in the sweaty, panicky, Googling way), take a gander at eLearnExcel + eLearnOffice from IACT. They’ve got a lifetime subscription available to both their Excel School and complete Office School, depending on what you need to brush up on. Read more…

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Sprint and T-Mobile call off merger after months of talks

SAN FRANCISCO/NEW YORK – Sprint Corp and T-Mobile US Inc said on Saturday they have called off merger talks to create a stronger U.S. wireless to rival to market leaders, leaving No. 4 provider Sprint to engineer a turnaround on its own. The announcement marks the latest failed attempt to combine the third- and fourth-largest…
Business | New York Post

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There’s still one thing missing from this booming economy: Fatter paychecks

As the unemployment rate drops and other aspects of the job market remain solid, one weakness continues to stand out.
Economy

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Facebook Admits at Least 12% of Accounts Are Fakes or Duplicates

Facebook’s excellent earnings report on Wednesday came with a significant caveat – the social media platform has far more fake and duplicate accounts than it had previously admitted.

As many as 10% of the accounts active each month on Facebook are duplicates, which Facebook CFO David M. Wehner defined as accounts “used by the same person [which] represent real activity and engagement on Facebook.” But Wehner also disclosed that another 2-3% of accounts are “inauthentic accounts” used “for spam and other policy violating reasons.”

Those levels are up from Facebook’s previous estimates of 6% for duplicate accounts and 1% for fake accounts, according to Business Insider. Wehner said the updates were made based on a new measurement methodology, suggesting Facebook had previously undercounted the duplicates and fakes.

With a total monthly userbase of 2.07 billion, the new numbers suggest as many as 60 million Facebook accounts could be entirely fake.

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Those numbers are central to Wall Street’s mixed reaction to the earnings report. Though revenue beat expectations, Facebook’s shares have fallen, in part because of stated plans to significantly increase spending in 2018.

Facebook CEO Mark Zuckerberg said some of that spending will be “focused on finding bad actors and bad behavior,” including removing false news stories and hate speech, much of which is hosted or amplified through fake or otherwise deceptive accounts. Zuckerberg said the efforts would “significantly impact our profitability going forward,” and that “protecting our community is more important than maximizing our profits.”

Of course, Facebook’s investment in security and screening is more accurately described as an effort to protect profits in the long term. The company, along with Google and Twitter, are currently facing tough questions from Congress over the role of social media in spreading Russian disinformation during the 2016 Presidential election. Failure to quash that phenomenon on its own terms could see Facebook eventually saddled with onerous regulations that could do even more damage to the bottom line.


Fortune

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Irish PM says future of $1 bln Apple data centre uncertain

DUBLIN, Nov 4 (Reuters) – A planned $ 1 billion Apple
data centre is in doubt after Irish Prime Minister Leo
Varadkar said the U.S. company’s Chief Executive Tim Cook would
no longer commit to it, adding that Dublin would do whatever
necessary to get it built.


Reuters: Company News

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Manafort trial proposed for May 2018

The trial of Paul Manafort and Rick Gates is set to begin May 7, 2018, Judge Amy Berman Jackson said Friday, meaning the case could push into the summer as midterm congressional election races heat up.


CNN.com – RSS Channel – Politics

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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This is the week Russia got very real for Trump

Up until this week, Donald Trump could say, with some veracity, that the special counsel investigation into Russia’s attempted meddling in the 2016 election and potential collusion with his campaign hadn’t produced a single tangible result.


CNN.com – RSS Channel – Politics

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Social Security’s full retirement age will rise by 2 months in 2018

If you’re planning to start collecting Social Security soon, you’ll have to wait a bit longer in 2018 to reach full retirement age (FRA).

RELATED: 14 things to know about Social Security in 2018

Full retirement age is going up

The arrival of 2018 will bring with it several changes on the Social Security front.

Among the new developments, you should plan on staying on the job an additional two months before you reach your FRA this year.

Since 2005, the FRA has been 66. But as of January 1, 2017, the FRA has been on a long, slow climb.

Beginning in 2018, people born in 1956 must wait until they are 66 years and 4 months old to receive 100% of their Social Security benefit.

That pushes the full retirement age later by two months versus this year.

Those who were born in 1955 only have to wait until they are 66 years and two months to claim full benefits in 2017.

So if workers who turn 62 in 2018 opt to take benefits as soon as they can next year, they’ll get a monthly benefit that’s reduced by about 30%.

The Social Security Administration Amendments of 1983 signed by President Reagan call for the FRA to “increase by two months a year for persons reaching age 62 in 2017-22,” further noting that it “will be fixed at age 67 for those reaching age 62 after 2022.”

Here’s a chart from the Social Security Administration that lays it all out:

Social Security: Full retirement age rising to 67

This slow increase in the full retirement age presents a challenge now that Americans are living longer and saving less.

Sadly, more than 56% of us have less than $ 1,000 saved, and half of us live paycheck to paycheck.

How to boost benefits checks before collecting Social Security

If you have some time left before you start claiming your Social Security benefits, consider the following:

Play the waiting game

In the past, it was very common to retire and take Social Security at 62. But every year you wait after 62, you have an imputed return of 8% per year on your lifetime benefit. So if you wait from 62 to 70, the amount that Social Security pays climbs dramatically. (Benefits no longer increase after 70.)

Use an online calculator to help!

AARP’s interactive calculator allows you to pop in your specifics and it will give you a decision tree to help you figure out the optimal time to take Social Security. Check it out to help yourself or a parent.

If you are looking for a more comprehensive approach to give you specifics on when it would be best to start drawing on your Social Security benefits, check out the Maximize my Social Security tool. There are different levels of analysis that you can choose, but $ 40 gives you access to sophisticated software that helps determine the best time to start receiving your checks. They also offer a money-back guarantee if you aren’t satisfied.

Boost your earnings today

What you get from Social Security has everything to do with your 35 highest earning years. So you might consider negotiating a raise or taking on a second job.

We can help you on the latter front. Our work from home guide has legitimate ways you can earn some extra money. None of the sites listed will make you rich, but they will help you supplement your existing income.

How can I play catch-up on my own retirement savings?

Know how much you’ll need to retire

By age 35, you should have two times your annual salary saved up for retirement, according to the latest numbers from Fidelity Investments.

Five years later, you should have three times your annual salary. And on and on, until you reach 67 when you should have 10 times your annual salary saved.

Laid out visually, the Fidelity guidelines for individuals look like this:

  • By 35, save two times your gross annual salary
  • By 40, save three times your gross annual salary
  • By 45, save four times your gross annual salary
  • By 50, save six times your gross annual salary
  • By 55, save seven times your gross annual salary
  • By 60, save eight times your gross annual salary
  • By 67, save 10 times your gross annual salary

Make extra contributions to retirement savings if you’re over 50

If you’re coming into the savings game kind of late, you can play catch-up. You have to be 50 or over to do this, but here’s how it works:

  • If you have a 401(k), 403(b), most 457 plans or the federal government’s Thrift Savings Plan, you can make an extra $ 6,000 contribution. (That’s on top of the existing $ 18,000 contribution limit for these plans.)
  • For those with IRAs, your can contribute an additional $ 1,000, for a grand total of $ 6,500 in annual contributions.

Be sure to work with fee-only financial planners

If you decide to enlist the services of an advisor, be sure he or she is what’s called ‘fee only.’ That means they earn their income on an hourly or ongoing basis, not on commissions from the investments they steer you towards.

Visit NAPFA.org (The National Association for Personal Financial Advisors) for ongoing fee-only help planning for retirement or GarrettPlanningNetwork.com for one-time advice on an hourly basis.

RELATED: Know the right questions to ask of a fee-only financial planner

Strive to reduce debt in your life

Being debt free buys you so much freedom. And today it’s easier to become debt free than at any time in recent memory because of dirt cheap interest rates. If you’re still paying high interest rates, like on a credit card, get a lower interest card if you can qualify and transfer the balance.

Look at that box on your monthly statement and see what you’d have to pay to be debt free in three years. Then resolve to pay that each and every month. You need to budget money to pay down your debt just as you would budget for rent or a mortgage or a car payment.

Beware of this Social Security phone scam!


clark.com

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Apple sees strong holiday sales, smooth sailing for iPhone X

SAN FRANCISCO (Reuters) – Apple Inc on Thursday reported better-than-expected earnings and offered a rosy forecast for the holiday shopping season, allaying investor concerns about production delays on the new iPhone X and demonstrating remarkable strength across its growing line of products and services.


Reuters: Business News

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Pandora tried to become more like Spotify and now it’s bleeding users

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Pandora is trying to reinvent itself as more than free internet radio. But subscriptions come with a price. 

Pandora has been losing users with each earnings report, at 73.7 million active listeners this quarter compared to 78.1 million this time two years ago. 

Pandora Q3 Users:
2015: 78.1M
2016: 77.9M
2017: 73.7M

— Lucas Shaw (@Lucas_Shaw) November 2, 2017

The 4.4 million dropoff in users comes as Pandora tries to make itself a player in the on-demand music streaming wars, up against Spotify, Apple Music, and the rest. 

This quarter, Pandora touted that its total paid subscribers were up 29 percent year-over-year to 5.19 million. For comparison, Spotify has 60 million subscribers and Apple Music has about 30 million. Pandora’s subscriptions brought in $ 84.4 million in revenue.  Read more…

More about Music, Spotify, Pandora, Music Streaming, and Business


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Kushner’s team turned over documents to special counsel in Russia investigation

Jared Kushner has turned over documents in recent weeks to special counsel Robert Mueller as investigators have begun asking in witness interviews about Kushner’s role in the firing of FBI Director James Comey, CNN has learned.


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SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Gah! The GOP is following the same strategy on taxes that doomed Obamacare repeal

The GOP is trying a secretive strategy once again—this time on tax reform, Vox's Tara Golshan says. Will it work this time?
Economy

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HSBC Has Been Accused of Ignoring Money Laundering in an Epic Corruption Scandal

The British banking giant HSBC


hsbc



chose to ignore money laundering by the Indian-South African Gupta family through its services, a British peer has claimed.

Peter Hain, who grew up in South Africa and was a high-profile anti-apartheid activist, on Tuesday sent the U.K. Treasury and Financial Conduct Authority (FCA) printouts of the Guptas’ money transfers from their South African HSBC bank accounts to accounts with the same bank in Dubai and Hong Kong. Some of the transactions were legitimate, but others weren’t, he said.

As Hain put it in a Wednesday speech in the House of Lords: “The latter illicit transactions were flagged internally in the bank concerned as suspicious, but I am reliably informed that it was told by the U.K. headquarters to ignore it. That is an iniquitous breach of legal banking practice in the U.K….and it is also an incitement to money laundering, which has self-evidently occurred in this case, sanctioned by a British bank, as part of the flagrant robbery from South African taxpayers of many millions of pounds and many billions of their local currency, the rand.”

The brothers Ajay, Atul, and Rajesh Gupta have very close ties to South African president Jacob Zuma and his family, and have been implicated in many allegations of severe corruption. Multiple politicians have said that the Guptas offered them senior political positions, along with wads of cash, in order to get them on-side. Email leaks and investigative journalism by outfits such as amaBhungane have also strongly indicated that the Guptas are in control of many lucrative state contracts, and that they demanded kickbacks from multinationals to facilitate these deals.

Since these allegations surfaced, a number of multinational companies have taken serious reputational damage for their parts in the scandals, including KPMG, McKinsey, SAP and the now-shuttered public relations agency Bell Pottinger, which orchestrated a racially divisive campaign on the Guptas’ behalf.

Now, it seems, the spotlight is turning to the international financial services industry–South African banks stopped serving the Guptas in mid-2016 due to money-laundering fears, and India’s Bank of Baroda has been trying to follow suit.

A couple of weeks ago, Hain informed the U.K. Financial Conduct Authority (FCA) that the Guptas may have siphoned off funds through their HSBC and Standard Chartered accounts in the United Arab Emirates and Hong Kong. The FCA subsequently launched an investigation, and Standard Chartered


scbff



said it had closed Gupta accounts in 2014 “after an internal investigation.”

Read This: SAP Is Being Investigated by the U.S. Over a Major International Kickback Scandal

The question now is whether, as Hain alleged this week, HSBC ignored the red flags raised by its own compliance unit. Not only could this be a criminal issue in the U.K.–it could also have an effect on HSBC’s deferred prosecution agreement with the U.S. authorities over its money laundering for clients including Mexican drug cartels, if the relevant transactions took place within the last five years and involved U.S. dollars.

When asked for comment on Hain’s latest allegations, HSBC referred only to his previous communications with the Treas