The Trump administration’s compassion gap

You care, but does the President?


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Leading indicators up in May, still short of expectations

The Leading Economic Index was expected to rise 0.4 percent in May for its seventh straight month of gains.

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This News Will Make You Hopeful About the Future of Your Avocado Toast


You know what’s the worst?

When you go to buy avocados and discover them in a pitiful bin, all brown and shriveled together like they took a vow en masse to spoil and ruin your Taco Tuesday plans.

What upsets me more than their dive to the dark side is the fact that they’ll never get used, only discarded in the trash.

What if there were something we could do about the avocado-ripening travesty that constantly plagues us?

Enter the folks over at a startup called Apeel Sciences who are actually doing something about the shelf life of avocados and their produce aisle friends.

For six years, Apeel Sciences has been working to make all of our wildest avocado-preserving dreams a reality.

But truth be told, avocados are only the beginning of this magnificent sorcery.

The company has engineered a plant-based coating that extends the shelf life of produce. The coating is applied to the exterior of produce via dunking or rinsing.

The coating keeps fruits and vegetables fresh for up to three times longer.

It’s like pressing the slo-mo button on your phone, but for ripening produce.

Is Apeel Safe to Eat?

The Food and Drug Administration (FDA) classified it as GRAS, or generally recognized as safe, which means yes.

The special coating is made out of lipids and glycerolipids, which are found in peels, seeds and pulps of produce, according to Apeel’s website.

It’s not like the wax on apples. Apeel’s coating keeps moisture in and oxygen out instead of using wax or refrigeration to extend life. You won’t be able to taste, smell or see the coating.

Plus, it’s allergen-free, so have no fear, friends.

Apeel avocados are already on the shelves at Costco and Harps Food stores across the Midwest. Just look for the Apeel section, and get ready to wait a week — or three — for your avocados to spoil.

The startup’s CEO, James Rogers, told The Washington Post that customers don’t pay more for the service because grocers save money due to reduced spoilage.

Why We Should All Care About the Shelf Life of Produce

Reducing food waste has become a global concern, but despite our best intentions, food just spoils on its own internal clock.

How many fruits and veggies have gone bad under your watch this year? Too many, I’m sure. Me, too. (Please forgive me, strawberries. If I only had a few more days with you.)

But we’re not alone. An expert we spoke with recently estimates that the average household wastes $ 1,800 every year on food they never eat.

Reducing food waste could create a chain reaction of savings for consumers, retailers, farmers and keep food out of landfills.

In turn, transportation costs, packaging waste, wastewater, fertilizer and food spoilage would all be reduced. That’s huge.

Apeel says it has successfully delayed ripening processes on apples, artichokes, asparagus, bananas, bell peppers, blueberries, cherries, green beans, lemons, mangos, radishes, strawberries and tomatoes.

Avocados could be the first step in what could be a breakthrough in the sustainable future of food.

I just have one more question: Does it work on human skin? Asking for a friend.

Stephanie Bolling is a staff writer at The Penny Hoarder. Today she learned that “alligator pear” is another name for an avocado.

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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Streaming TV comparison: Which service has the best channel lineup?

Are you tired of overpaying for more than 100 TV channels with your cable or satellite provider when you only watch a handful of them on a regular basis?

You may be able to lower your monthly bill to $ 40 or less by switching to a live TV streaming service.

RELATED: This new tool negotiates with your cable and internet provider to lower your bill

Streaming TV: DirecTV Now, YouTube TV, PlayStation Vue, Hulu, Sling TV, Philo, AT&T WatchTV

These cable and satellite alternatives offer smaller bundles, so it’s important that you compare the channel lineups to make sure that your favorite networks are included.

We’ve highlighted plans in the $ 15 to $ 40 per month range below, but most providers offer packages at other price points.

Keep in mind that you’ll need a high-speed internet connection to take advantage of any live TV streaming service, so that’s another monthly cost to factor in as you’re reviewing the various plans and prices.

Here are the channel lineups for DirecTV Now, YouTube TV, PlayStation Vue, Hulu with Live TVSling TV, Philo and AT&T WatchTV:

DirecTV Now “Live a Little” plan: $ 35/month YouTube TV: $ 40/month PlayStation Vue “Access” plan: $ 39.99/month Hulu with Live TV: $ 39.99/month Sling TV “Orange + Blue” plan: $ 40/month Philo: $ 16/month AT&T WatchTV: $ 15/month; free for unlimited wireless subscribers (COMING SOON)
A&E A&E A&E A&E A&E
ABC ABC ABC ABC ABC (select markets)
ACC Network Extra
AMC AMC AMC AMC AMC AMC
Animal Planet Animal Planet Animal Planet Animal Planet
Audience Audience
AXS TV AXS TV AXS TV
Baby First
BBC America BBC America BBC America BBC America BBC America BBC America
BBC World News BBC World News BBC World News
BET BET BET
Big Ten Network Big Ten Network
Bloomberg Bloomberg
Boomerang Boomerang
Bravo Bravo Bravo Bravo Bravo
C-SPAN
C-SPAN 2
Cartoon Network Cartoon Network Cartoon Network Cartoon Network Cartoon Network Cartoon Network
CBS CBS CBS CBS
CBS Sports Network CBS Sports Network
Cheddar Cheddar Cheddar Cheddar
Cheddar Big News Cheddar Big News Cheddar Big News
CMT CMT
CNBC CNBC CNBC CNBC
CNN CNN CNN CNN CNN CNN
CNN International
Comedy Central Comedy Central Comedy Central
Comet
CW CW
Decades Decades
Destination America
Discovery Discovery Discovery Discovery
Disney Channel Disney Channel Disney Channel Disney Channel Disney Channel
Disney Junior Disney Junior Disney Junior Disney Junior
Disney XD Disney XD Disney XD Disney XD
DIY Network
E! E! E! E!
El Rey
EPIX Drive-In
ESPN ESPN ESPN ESPN ESPN
ESPN 2 ESPN2 ESPN 2 ESPN 2 ESPN 2
ESPN 3
ESPN Goal Line
ESPNews ESPNews
ESPNU ESPNU
Flama
Food Network Food Network Food Network Food Network Food Network Food Network
FOX FOX FOX FOX FOX (select markets)
Fox Business Network Fox Business Network Fox Business Network Fox Business Network
Fox News Channel Fox News Channel Fox News Channel Fox News Channel
Fox Sports 1 Fox Sports 1 Fox Sports 1 Fox Sports 1 Fox Sports 1
Fox Sports 2 Fox Sports 2 Fox Sports 2 Fox Sports 2
Freeform Freeform Freeform Freeform Freeform
FX FX FX FX FX
FXM FXM
FXX FXX FXX FXX FXX
FYI FYI FYI
Galavision Galavision
Game Show Network
Golf Channel  Golf Channel
Hallmark Channel Hallmark Channel
Hallmark Movies & Mysteries Hallmark Movies & Mysteries
HGTV HGTV HGTV HGTV HGTV HGTV
History Channel History Channel History Channel History Channel History Channel
HLN HLN HLN HLN HLN
IFC IFC IFC IFC
Investigation Discovery Investigation Discovery Investigation Discovery Investigation Discovery
Lifetime Lifetime Lifetime Lifetime Lifetime
Lifetime Movies Lifetime Movies Lifetime Movies
Local Now
MLB Network
MSNBC MSNBC MSNBC MSNBC
MTV MTV
MTV2 MTV2
National Geographic National Geographic National Geographic National Geographic National Geographic
Nat Geo Wild Nat Geo Wild Nat Geo Wild
NBA TV
NBC NBC NBC NBC NBC (select markets)
NBCSN NBCSN NBCSN NBCSN NBCSN
Newsy Newsy
Nick Jr. Nick Jr. Nick Jr.
Nickelodeon Nickelodeon
NFL Network
Olympic Channel Olympic Channel
One America News
OWN OWN OWN
Oxygen Oxygen Oxygen
Paramount Network Paramount Network
PeopleTV
Pop Pop Pop
REELZ
RFD-TV
Science Science
SEC Network SEC Network
Smithsonian Smithsonian
Sundance TV Sundance TV Sundance TV
SYFY SYFY SYFY SYFY SYFY
Tastemade
TeenNick
TBS TBS TBS TBS TBS TBS
TCM TCM TCM TCM
TeenNick
Telemundo Telemundo  Telemundo
Tennis Channel
TLC TLC TLC TLC
TNT TNT TNT TNT TNT TNT
Travel Travel Travel Travel
Tribeca Shortlist
truTV truTV truTV truTV truTV truTV
TV Land TV Land
Unimas
Univision Univision
Universal Kids Universal Kids
Universo
USA USA USA USA USA
Velocity Velocity Velocity
VH1 VH1
Viceland Viceland Viceland Viceland Viceland
WE tv WE tv WE tv WE tv WE tv
WeatherNation

Editor’s note: Some of these plans may also include regional sports networks.

Don’t know if any of these plans will work for you? Call a family meeting and have everyone write down the channels that are most important to them, then see which bundle is the best fit for your household.

Again, most of these providers have other bundles or add-ons, but that’s going to increase your monthly rate.

RELATED: Best live TV streaming plans and deals in 2018

More Clark.com stories you may like: 

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Supreme Court lets states force online retailers to collect sales tax

WASHINGTON (Reuters) – States may force online retailers to collect potentially billions of dollars in sales taxes, the U.S. Supreme Court said in a major ruling on Thursday that undercut an advantage many e-commerce companies have enjoyed over brick-and-mortar rivals.


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Melania Trump Wears Jacket Saying ‘I Really Don’t Care’ During Child Detention Center Trip

First Lady Melania Trump visited a Texas detention center Thursday to check in on immigrant children who have been separated from their parents at the U.S.-Mexico border.

After the White House announced its “zero-tolerance” policy in April, over 2,000 children have been separated from their parents. Trump decided to make the trip a day after the president signed an executive order to stop the separation of families, but it’s not her timing people are questioning–it’s her fashion choice.

When boarding the plane in Maryland, Trump was spotted wearing a khaki green jacket with the words “I really don’t care, do you?” scrawled in white graffiti-style writing on the back. Trump removed the jacket before deplaning, but the internet had already latched onto this paradoxical clothing choice, some finding it hard to believe.

Others compared the event to the 2014 incident when then-President Barack Obama was bashed for wearing a tan suit, or the time in 2009 when conservatives criticized Michelle Obama for wearing a dress than exposed her bare arms.

“It’s a jacket. There was no hidden message,” said Melania Trump’s publicist, insisting reporters instead focus on the First Lady’s detention center visit.

Trump toured the facilities of the Upbring New Hope Children’s Center in McAllen, Tex. and participated in a roundtable discussion with staff members. She inquired about the children’s physical and mental care. When she asked how often children are allowed to speak to their families, she was told children with verified families get a 10-minute phone conversation twice a week.

“We all know they are here without their families and I want to thank you for your hard work, your compassion, and your kindness you are giving to them in these difficult times,” Trump told the staff members.

This visit was an attempt to lend support to those caring for the immigrant children, although Trump did not make a public statement about the plight of separated families until this past Sunday. While the visit shows Trump is making an effort to be involved with the care of the children, her jacket choice sent a confusing message.

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Trump continues to mislead over border crisis, says facilities are ‘the nicest’

President Donald Trump continued to mislead about the origin of the humanitarian crisis on the US border, saying Democrats refuse to approve new funds for detention facilities for children.


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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 video animation software is on sale for a whopping 96% off

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Last weekend, Incredibles 2 earned the title of having the most successful animated film opening of all time, raking in an impressive $ 180 million and surpassing the previous record-breaker, Finding Dory. Even after more than a decade since the release of its precursor, the film was still able to command legions of fans to come to the theaters, which only means one thing: animation is here to stay.

In case you haven’t noticed, companies big and small are willing to pay top dollar to be able to churn out video content like attention-grabbing animations and promotional slideshows. But if you can’t pony up thousands of dollars for fancy production tools to create your own, there’s a better alternative — Videobolt Pro. Read more…

More about Software, Apps And Software, Mashable Shopping, Shopping Solo, and Mashable Stackcommerce


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How This Man Made $60K in 2 Months as an Independent Claims Adjuster


As August turned into September in 2017, the eyes of the nation were glued to their tablets, phones and TV screens. Hurricane Harvey had just slammed Texas with record rainfall and catastrophic flooding, and Hurricane Irma was tearing through the Caribbean with its sights set on Florida.

It seemed like The Weather Channel was on wherever you went.

Brett Brown’s eyes were fixed on his computer screen too, but for different reasons: He was hunting for a job.

Fresh out of grad school with a degree in plant pathology, Brown was back in his hometown of Mobile, Alabama, and looking to put his education to good use. But as we all know, landing a job is easier said than done.

So when Brown got a phone call from an old family friend about a temporary job opportunity, he was intrigued. Would he be willing to do some work in Florida for a few weeks after Irma passed? The friend told Brown that he could make enough to pay off most of his student loans, if not all of them.

Naturally, Brown was skeptical. Usually when you get a call out of the blue about a job that pays thousands of dollars and requires no previous experience, it’s too good to be true. But for independent insurance adjusters in the aftermath of a natural disaster, those kind of earnings are very real.

So Brown loaded up his truck and headed to Florida.

Becoming an Independent Catastrophe Claims Adjuster

A pitch gauge is an important part of Brown's tool kit.
A pitch gauge is an important part of Brown’s tool kit. Jeff Haller for The Penny Hoarder

Independent adjusters work as a contractor for an adjusting firm. Earnings vary, depending on the amount of work put in and the adjusting firm’s fee schedule, but skilled independent adjusters can make upwards of six figures a year.

Like staff adjusters, who work for one company, or public adjusters, who represent policy holders, independents can handle daily claims, catastrophe claims or a mix of both. Daily work consists of routine claims that happen all the time, like water damage from a busted pipe.  Catastrophe claims are the result of a natural or man-made disasters, such as a hurricane or an oil spill.

Brown hadn’t abandoned his goal of working in horticulture, but when an opportunity to make good money comes a-knockin’ (or, in this case, calling) he took it.

Adjusters Needed — Badly

Because Harvey and Irma happened in such quick succession, Florida faced a monumental problem: a shortage of insurance adjusters. Staff and independent adjusters from all over the country had already made their way to Texas by the time Irma barreled through the Sunshine State.

With two of the country’s largest and most populated states hit hard by hurricanes that caused over $ 290 billion in damages, independent catastrophe adjusters were in high demand, and firms were willing to take on people with little to no experience.

So on Sept. 12, 2017, Brown found himself at the Quality Inn & Suites in Gulf Breeze, Florida, to start training as an independent claims adjuster for the Canada-based company Catastrophe Response Unit. He had zero experience and wasn’t quite sure what he’d had signed up for.

The Training Process

Brett Brown poses with his truck
While working as a claims adjuster, Brown would spend up to 16 hours a day working using a ladder, pitch gauge, tape measure and his phone to photograph roofs and other damaged property. Jeff Haller for The Penny Hoarder

Brown and about 70 other people in his group spent the next five days filling out paperwork, watching training videos, taking tests and listening to presentations on proper procedures for inspecting and processing claims. Since the need for adjusters was so high, the training process was streamlined.

“They were just trying to get people out in the field and get clients seen and properties inspected as soon as they possibly could,” Brown says.

He had to learn the industry’s standard software for property claims estimation. And he had to buy it — for $ 150. Independent claims adjusters cover their expenses — lodging, gas, food, the whole nine yards — out of pocket. Fortunately for Brown, he already had a laptop, a ladder and a truck.

“[Catastrophe Response Unit] stressed that you don’t think about the money that you’re spending now,” Brown says. “Just think about the investment that you’re making for yourself in the next month or two.”

Claims adjusters, even temporary ones, must be licensed, and each state has its own rules and regulations. After completing the five days of training and certification, Brown earned an emergency license. Several states — Florida being one of them — make these available during catastrophe situations.

How Payment Is Made

Independent adjusters work on a contract basis, with their pay based on a fee schedule rather than a salary or hourly wage. An insurance company pays the independent adjusting firm a certain fee per every claim closed; the percentage paid is based on the final claim settlement. Once the company receives its fee, it pays the adjuster a portion, which generally ranges from 55% to 70%. (With CRU, Brown’s was around 60%.)

To break it down a little further: When Brown processed a claim of up to $ 20,000, he made $ 600. For claims between $ 20,000 and $ 50,000, he took home $ 900; over $ 50,000, his fee was $ 1,200.

In other words, the more difficult and costly the claim, the higher the payout.

A Day in the Life

Brown shows a typical photo he would take using his phone as a claims adjuster.
Brown shows a typical photo he would take using his phone as a claims adjuster. Jeff Haller for The Penny Hoarder

After completing the speedy training process, Brown headed south to set up base in Tampa, Florida. With no previous experience in claims adjusting, the learning curve was steep. His first week was pretty rough.

Brown started with 50 claims. He had to contact each policyholder to schedule a time to view the damage before he could get out in the field. He booked visits to homes near one another in order to maximize the amount of visits he could make in a day.

Once he had some inspections scheduled, the hard, physical work really kicked in.

Brown set his alarm for 6 a.m., with his first inspection starting as early as 7:30. Although he was based in Tampa, his appointments took him all over central Florida.

Inspections averaged about an hour, depending on the amount of damage. While he only took on one or two inspections a day in the beginning, Brown added more as he grew comfortable. By his second week, he was logging four or five claims a day. At his busiest times, Brown handled up to 10 in a single day.

Once he found his groove, he was earning between $ 600 and $ 6,000 a day.

Whether the property was missing a few shingles or had lost an entire wall, each one required extensive inspection. Hauling around a ladder and climbing up on roofs was part of the job — and don’t forget this was all in Florida, where autumn is an urban legend and 90-degree days are standard.

It was on one of those roofs, about a week in, that Brown realized his worn-out New Balances were not proper footwear. He found himself trapped on a particularly steep roof, in danger of sliding off. Brown avoided his own catastrophe, but invested in some sturdy, non-slip work boots.

After a long day of inspections, with maybe a 30-minute lunch break squeezed in, Brown would head back to the rental house he shared with other CRU adjusters he met during training. But his work was far from over. In order to get the claim processed, paperwork for each inspection was required. He’d stay up until about midnight entering damages into his software and drawing up paperwork, then set his alarm and wake up at 6 to do it all over again.

Brown’s insanely long hours are an industry norm during a catastrophe. “They stay in a fleabag hotel and work 16 hours a day, six to seven days a week,” says Peter Crosa, who owns Peter J. Crosa & Co. and has been in the adjusting business for over 40 years. “They end up making a lot of money… but it’s tough duty.”

In addition to being away from home, driving to properties scattered across several counties and working 16-hour days, Brown had to meet with people who were dealing with the nightmare of a damaged or destroyed home. That part was challenging and emotionally draining.

In all, though, Brown found the job quite rewarding. He was, after all, helping people in times of dire need.

The Net Result

Brett Brown poses at the water front in Fairhope, Ala.,
Brown has decided to maintain his skills as a claims adjuster as an option for a way to make extra money in the future. Jeff Haller for The Penny Hoarder

On Nov. 1, Brown packed his bags and headed home to Alabama. Less than two months of working 16-hour days, seven days a week had grossed him over $ 60,000.

After deducting taxes, which as an independent contractor he had to handle on his own, Brown netted about $ 40,000. He decided to put a little bit away for rainy days and investments. The rest went toward his student loans, and he was able to pay off the majority. Brown still has some debt left, but imagine the relief of paying off $ 40,000 worth of loans in one sitting.

So was it all worth it?

“Oh, absolutely,” Brown says. “The first couple of weeks, I was doubting myself and the opportunity as a whole, but after that second week it really became clear that this was not just blowing smoke.”

Brown still plans to pursue a career in horticulture. But he says he won’t totally rule out doing some short-term claims adjusting in the future — especially now that he knows what he’d be getting himself into.

After all, he’s still got more student loans to pay.

Kaitlyn Blount is a junior 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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GOP House member unloads on Paul Ryan in explosive floor exchange

On the eve of two major immigration votes, weeks of hard-fought negotiations took a turn with a heated blowup on the House floor between two lead negotiators.


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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!

Here Are 8 Ways to Make a Drive-In Theater Your Ticket to Summer Fun


It’s officially summer. Wahoo!

That means it’s time to start planning affordable family nights, now that the kiddos are home and don’t have homework to worry about. But that seems to be getting harder and harder these days.

That’s why you should consider the closest drive-in movie theater.

Drive-ins aren’t merely a relic of the past — you might even have one in your backyard. A family of four can see a movie with snacks and drinks for around $ 25, at most.

Check out this database from DriveInMovie.com to see if there is a drive-in in your county. Next, here are some hacks to make sure you get the most out of your drive-in theater experience.

Tips to Help You Have a Blast At Your Local Drive-In Movie Theater

I know what you’re thinking: “What could be so difficult about putting a car in park and watching a dang screen?”

Well, it’s not difficult. But if you want to be comfortable and have as much fun as possible, here are eight tips for your first drive-in experience, courtesy of patrons and staff at the Lakeland, Florida-based Silver Moon Drive-In Theater.

1. Get There Early and Grab a Spot Near the Exit

Another bonus of some drive-ins: You can bring the furry members of your family. Chris Zuppa/The Penny Hoarder

It can get packed at the drive-in, and Silver Moon’s website specifically asks you try to get there early.

One, you won’t have to sit in a long line of cars and burn that precious gas. And two, you can snag a parking space close to the exit so you avoid the slow-moving caravan after the double feature.

2. Bring Your Own Radio and Extra Batteries

Bring a portable radio to avoid using the car stereo and running down your car battery. Chris Zuppa/The Penny Hoarder

Here’s the scene: You’re out with the guy of your dreams, who is totally impressed with your choice of a classic date night. But when the movie’s over, you turn the key to start your car and hear that dreaded clicking noise. Your battery is dead.

Don’t let this happen to you; bring a portable radio with extra batteries. You have to stream the movie’s audio through a radio, and using your car radio will drain the battery.

Also, if you plan to set up chairs in your pickup bed or behind your vehicle, you’ll need a portable radio to hear the movie anyway.

Alternatively, you can recharge your car battery by turning on your car every half hour or so and letting it run for a few minutes.

3. Bring Bug Spray

A woman watches a movie from her car.
Danielle Torres watches a movie at Silver Moon on Friday, 4/6/2018. Chris Zuppa/The Penny Hoarder

Bugs are an annoying part of life in the summertime.

You’ll be outside for a few hours, so pack that bug spray so you don’t feel like you’re actually in the jungle while watching “Jumanji: Welcome to the Jungle.”

4. Pack Dinner, Snacks and Drinks

Silver Moon allows people to bring their own food, but check before you go because not all drive-ins do. Chris Zuppa/The Penny Hoarder

One of the best parts of the drive-in is that you can bring your own food. Why spend $ 12 on movie-theater nachos when you can bring some chips and dip for less than half that?

Not all drive-ins allow outside food, so check the rules before you arrive. Silver Moon does allow you to bring in food, but its patrons rave about the food. I recommend glass-bottle Cokes, some popcorn and a Silver Moon pizza.

5. Talk to Your Neighbor

Women participate in a 1950s costume contest
Ginnalee Dabrowski (left) and Alice Plumlee (right) show off their costumes for Silver Moon’s 70th anniversary celebration on Saturday, April 14, 2018. Plumlee’s granddaughter, Elli Coleman (center), dressed as a pink lady from the movie “Grease.” Dabrowski’s poodle skirt once belonged to her mom, who worked as a car hop. Chris Zuppa/The Penny Hoarder

When my wife and I saw “A Quiet Place” recently at an indoor theater, a group of unruly teens ruined it by yapping the whole time. Silence is golden at indoor theaters, but at the drive-in, feel free to chat away.

Along with packing your own snacks, another advantage to drive-ins is the ability to analyze the movie in real time. And what better way to meet people than mutually complaining about all the plot holes?

6. Bring Chairs — Lawn, Pop-up or Beanbag

A toddler stands in a pack and play
Akira Millard and her mother, Tara, brought their own furniture so they could sit outside. Chris Zuppa/The Penny Hoarder

There is something magical about watching a movie from the back seat of a convertible.

But, for those of us with car roofs, sitting in chairs you brought from home makes more sense.

7. Wear Comfy Clothes

Destiny Farrior eats pizza and plays soccer at Silver Moon on Friday, April 6, 2018 Chris Zuppa/The Penny Hoarder

Here’s another drive-in advantage: Nobody will judge what you’re wearing.

Break out your pajamas for an extra comfy drive-in experience. Or dress up like one of the Avengers.

8. Bring Cash, Just in Case

People purchase tickets
Ticket prices are generally much lower at drive-ins than at indoor theaters. Chris Zuppa/The Penny Hoarder

Remember when people actually paid for stuff with those green paper thingies?

Drive-ins dredge up feelings of nostalgia for much simpler times. That might mean simpler times for your wallet as well. Bring some cash just in case.

Now that you’re a drive-in expert, all you need is a cherry red 1950s convertible and you’re ready to hit the theater. Just kidding.

Alex Mahadevan is a data journalist 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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People stroll amid flowers blooming in the Huasco region on the…

People stroll amid flowers blooming in the Huasco region on the Atacama
desert, some 600 km north of Santiago, on August 26,2017. A gigantic
mantle of multicolored flowers covers the Atacama Desert, the driest in
the world. In years of very heavy seasonal rains a natural phenomenon
known as the Desert in Bloom occurs, making the seeds of some 200 desert
plants to germinate suddenly some two months after the precipitations.
MARTIN BERNETTI / AFP

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Trump loses top operations official

Joe Hagin, the White House official who orchestrated logistics for the summit between President Donald Trump and North Korean leader Kim Jong Un, will depart the administration next month, according to officials.


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South Korean crypto exchange loses $31 million in hack

SEOUL, South Korea — A leading South Korean cryptocurrency exchange says $ 31 million worth of virtual currencies have been stolen by hackers. Bithumb, South Korea’s second-largest exchange, said cyberattacks from late Tuesday night to Wednesday morning led to the loss of 35 billion won worth of cryptocurrencies. Bithumb said it has suspended trading and exchanging…
Business | New York Post

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China has a limited number of weapons to use in a trade war with the US

As China and the U.S. near a trade war, both nations bring different weapons to the table.
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WRAPUP 6-White House piles pressure on China after Trump tariff threat

WASHINGTON/BEIJING, June 19 (Reuters) – China has
underestimated U.S. President Donald Trump’s resolve to impose
more tariffs unless it changes its “predatory” trade practices,
a White House trade adviser said on Tuesday, as Trump greatly
expanded the amount of Chinese imports possibly facing new
duties.


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Trump ramps up rhetoric: Dems want ‘illegal immigrants’ to ‘infest our country’

President Donald Trump amplified his heated immigration rhetoric on Tuesday, accusing Democrats of wanting “illegal immigrants … to pour into and infest our country,” language evoking images of pests, not human beings.


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This Startup Is Hiring an Art Lover to Work From Home for $15 per Hour


Say goodbye to being a starving artist.

We just found a way you can work for a creative and artsy company — from the comfort of your own home.

Museum Hack, a startup that runs quirky private museum tours, is hiring a sales representative.

How to Get an Artsy Job With Museum Hack

As you can read in our interview with the founder, Museum Hack is turning the traditional museum tour on its head. It offers “highly interactive, subversive, fun, non-traditional” tours of museums in major cities such as New York, Washington, D.C. and San Francisco.

Right now, it’s hiring a remote sales representative whose duties will include meeting monthly sales goals by communicating with potential corporate clients via phone and email, as well as putting together proposals as necessary.

The full-time position requires at least one year of experience in B2B sales and customer service. You must also have a home office with a personal computer and reliable Wi-Fi.   

Previous experience with web-based services (Google Docs, Gmail, Google Calendar, Slack, Xero, PandaDoc, Base CRM) is also desired; if you’re familiar with them, be sure to mention it in your cover letter.

You must be based in the U.S. and able to work scheduled shifts Monday through Friday, between 9 a.m. and 8 p.m. EST. Applicants must also be available to work at least one weekend per month.

The job pays $ 15 per hour plus a monthly commission, with occasional “performance-based rewards and incentives.”

Want in on the action? Click here to apply.

Susan Shain is always seeking adventure on a budget. Visit her blog at susanshain.com, or say hi on Twitter @susan_shain.

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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Wall Street tumbles, Dow erases 2018 gains as trade worries worsen

(Reuters) – U.S. stocks slumped and the Dow Jones Industrial Average erased its gains for the year on Tuesday, as a sharp escalation in U.S.-China trade dispute jolted the markets and triggered a rush to safer assets.


Reuters: Business News

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We hitched a ride on Potlandia, a dispensary touring ‘cannabus’

TwitterFacebook

Potlandia is a tour bus that visits various cannabis dispensaries around Portland, Oregon. It’s almost too good to be true.  Read more…

More about Business, Highlights, Mashable Video, Marijuana, and Tourist


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Google May Be Looking To Do More Than Crack China Market With JD Deal

This article first appeared in Data Sheet, Fortune’s daily newsletter on the top tech news. To get it delivered daily to your in-box, sign up here.

In the political world long-held alliances are fraying, at least those among the United States and many countries it once called friends.

In the business world, especially in technology, fascinating alliances are forming. Witness the tie-up announced Monday by Google and JD.com, the No. 2 Chinese e-commerce player. U.S. media predictably played the move as a bid by Google, which invested $ 550 million in NYSE-listed JD, to inch its way into a China market that has blocked it for nearly a decade. JD will join Google’s shopping platform, and Google will have done a solid for a Chinese company, presumably pleasing Beijing.

But look closer, and the deal speaks volumes to important alliances. JD’s major corporate shareholders include Tencent, which counts JD as an extension of its retail-technology strategy, and Walmart


wmt



. The U.S. retailer, in turn, has been noodling on alliances with Google for the better part of a year.

The alliances at play are worthy of a 21st century Bismarck of global commerce. Google and Walmart are allied against the arch-foe of Western businesses everywhere, Amazon


amzn



. Tencent and JD


jd



are allied against China’s dominant e-commerce player, Alibaba


baba



.

Could Google


googl



, prevented from selling ads in China, view Tencent as its entr?e into the Chinese search market? Tencent operated a search engine for years but sold it to Sogou, a small competitor to Chinese search leader Baidu. Does this create an opening for Google?

It’s a tangled web. And an interesting one too–especially given the state of the political world, including the tenuous conditions of U.S.-China relations

Fortune

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DHS Secretary Nielsen denies separation amounts to ‘child abuse’

Department of Homeland Security Secretary Kirstjen Nielsen insisted conditions at the detention facilities are up to par, when asked by reporters if the Trump administration’s policy of separating children from their parents at the border amounts to “child abuse.”


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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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How to make easy money on your work commute with Wrapify

Our radio producer Joel has turned his commute into cash with the Wrapify app! Wrapify is a company that pays you to wrap your car in advertising for their clients.

Make money while you drive with Wrapify

The Wrapify app matches you to ad campaigns based on your driving patterns. Joel explained the steps:

Watch the video

  1. Download the Wrapify app and set up your account
  2. Wrapify will track your driving for a period of time
  3. They will let you know if you are eligible for a campaign — it may take a few weeks for them to determine your campaign
  4. They’ll set you up with an appointment to get the ad placed on your car — you’ll have to leave it at a body shop for a day while it’s applied
  5. You pick up your car and drive your normal routes — you can track how much cash you’re making in the app

It may be slightly inconvenient to leave your car all day to get wrapped, but Wrapify will reimburse you for a Lyft or Uber to and back from the facility.

Another thing you’ll want to keep in mind: You’ll have to be connected to your car via Bluetooth for them to track your driving. If you don’t have this capability, you may not be eligible.

If you try this, let us know how it works out for you!

More Clark.com stories you may like: 
clark.com

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Celebrate Summer With a Free Milkshake at Wayback Burgers on June 21


If there’s one thing we love, it’s deals — especially when those deals are freebies.

Well boys, get ready to be brought to this yard, because we found the perfect summer deal: free milkshakes.

Wayback Burgers is celebrating the first day of summer on Thursday, June 21, by giving away one free 12-ounce black-and-white milkshake per person at participating locations while supplies last.

But don’t worry about supplies too much.

Wayback is loading up for the event with 3,400 gallons of ice cream, 300 gallons of Hershey’s chocolate syrup, 300 gallons of Monin French vanilla syrup and 30,000 cups, lids and straws, according to this release.

There’s no purchase necessary either. Don’t you love a good freebie with no strings attached?

Jen Smith is a staff writer at The Penny Hoarder. She gives money-saving and debt payoff tips on Instagram at @savingwithspunk.

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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Melania Trump ‘hates to see’ children separated from their families at borders

In a rare statement on a policy issue, first lady Melania Trump weighed in through her spokeswoman on the immigration crisis taking place at America’s borders.


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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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‘It feels like I never left’: Workers laid off in Atlantic City are getting their jobs back at ‘new’ casinos

The Taj Mahal is reopening as the Hard Rock casino, and Revel will open its doors as the Ocean Resort Casino. Together, they are restoring more than 6,000 jobs lost after a brutal two-year stretch when five casinos closed.
Business

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This Woman Taught Herself to Code — And Earned $137,000 in One Year


Coding might be a computer language, but it’s behind almost everything we do in the digital age. This woman taught herself to code at age 11 and started her own business. She made over $ 137,000 last year — from home.

Kelly Vaughn has never taken a class in web development.

She’s never attended a coding bootcamp.

Amidst a sea of dudes and CompSci majors, she’s rare: a self-taught female developer.

At the age of 24, she quit her job to freelance full time — and in her first year, she earned $ 137,000. Here’s how she did it.

An Early Intro to Coding

Vaughn first started experimenting with programming when she was just 11.

She wanted to create her own community for the website Neopets, so her dad bought her an “HTML for Dummies” book.

Today, she says, there are many more resources for people who’d like to learn to code — including coding bootcamps and sites like Treehouse and Codecademy — but with her drive and curiosity, the book proved enough.

She continued to practice, and got her first paying gig at age 14, making a hunting supplies website for a friend of her father’s.

Her pay? One T-shirt.

Soon after, she began selling custom-designed MySpace themes for $ 15 each.

Taking a Different Path

Yet, when it came time for college, Vaughn chose not to major in computer science — she assumed working in the field would take the fun out of it.

Instead, she graduated with her bachelor’s in psychology and then pursued master’s degrees in social work and public health.

To help pay for tuition, she kept doing freelance work on the side — a move that eventually led to an aha moment.

“Halfway through grad school, I’m still coding, and I’m getting paid,” she says. “So it’s a job, and I don’t hate it. Maybe it’s something I could enjoy doing full time.”

Not wanting to be a quitter, she finished grad school, and accepted a job with the Centers for Disease Control. But after just nine months, she decided to take the leap to self-employment.

It was October 2015, and she was 24 years old.

Making It On Her Own

Despite her young age, Vaughn was prepared to leave her full-time job: She had an emergency fund, a husband with health insurance and a reliable income, as well as a contract for ongoing work with one company.

She focused her web development services around launching online stores for small and medium businesses — mostly using the Shopify platform.

During her first month as a freelancer, she tripled her income. During her first three months, she earned $ 28,000.

The following year, she grossed $ 137,000, with just $ 9,000 of overhead.

In Vaughn’s second full year, she began to scale: She built a team of contractors to help with design, search engine optimization, social media marketing and copywriting, and decided to rebrand as more than just a freelancer.

“If you want to grow, you need to separate yourself from the brand,” she says. “I could no longer be Kelly Vaughn Creative; I had to have a more established agency name.”

She launched The Taproom Agency in October 2017, and now has seven contractors working for her — all women, all remote.

“It’s a really special thing to be part of an all-female digital agency in a male-dominated industry,” says Gemma Haylett, a developer at The Taproom. “I think we are unique in that everyone is very supportive of each other… The only low is that I don’t get to hang out with my awesome coworkers since we live all over the world!”

How Her Biz Grew So Quickly

A person types on a keyboard.
Chris Zuppa/The Penny Hoarder

It may seem like Vaughn’s success came out of nowhere, but the truth is she’s been working toward this moment for more than a decade.

“I spent a lot of time building up my customer base and my marketing — getting my name out there before I went full time” she says.

For years beforehand, she used social media to share her portfolio and interact with other people in her field. She also joined Facebook groups like Freelance to Freedom Project and Unstoppable ($ 97/year), and has seen a lot of people get their first clients that way.

“Someone will say ‘Send over your portfolio and I’ll pass on the names to my client,’” she explains. “It’s a really great resource for people who are just getting started.”

Another factor in her success was her highly-focused niche. Not only did branding herself as a Shopify expert amplify referrals, it also helped her portfolio stand out in search engines and among other developers in her community.

“The local component was very important,” she says. “Even today, a lot of the clients prefer to work with someone who’s local. Even if we never actually meet face-to-face, the option is there.”

On Imposter Syndrome and Success

More than 90% of developers are male, which has led to some difficult situations for Vaughn.

“When I was younger — 19, 20 — I would occasionally receive emails on my personal portfolio saying ‘You’re really cute for a developer,” she says. “I was like ‘Cool, how about my work?’”

A few years later, one potential customer even asked her: “How do I know you’re not going to run away with my money and have a baby?”

Luckily, as Vaughn grew more experienced, she faced less and less negativity about her gender — but still, she worries about her age.

“I don’t like telling [clients] how old I am, because there’s a level of judgment that comes with being so young,” she explains. “Imposter syndrome is almost an everyday battle — how am I qualified to be giving you advice on how to run your business?”

But, with the support of her family and friends, and the success of the sites and stores she’s launched, she’s been able to continually build her confidence.

“It’s the overall feeling of accomplishment that matters,” she says. “That people trust the Taproom; that we’re able to help businesses actually grow.”

Susan Shain is a freelance writer and digital nomad. She covers travel, food and personal finance (basically, how to save money so you can travel more and eat more). Visit her blog at susanshain.com, or say hi on Twitter @susan_shain.

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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Just the fear of a trade war is straining the global economy

President Donald Trump announced fresh tariffs on $ 50 billion in Chinese goods, The New York Times reports.
Economy

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This hedge funder is actually making the world a better place

While Wall Street takes its lumps for being too profit-driven, people on the Street are some of the most dedicated and generous do-gooders around. For every Bernie Madoff, there’s a Paul Tudor Jones. Jones, who runs the Tudor Investment Corp. hedge fund, created the Robin Hood Foundation in 1988, which is now New York’s largest…
Business | New York Post

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CORRECTED-UPDATE 1-Chevron names Brazil chief to lead Venezuela operations after arrests

RIO DE JANEIRO/HOUSTON, June 8 (Reuters) – U.S. oil producer
Chevron Corp has permanently assigned its Brazil country
chief to run its Venezuelan operations after the months-long
detention of two executives escalated tensions between the
OPEC-member nation and foreign oil firms.


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Democratic lawmakers to visit immigration centers in Texas

Oregon Sen. Jeff Merkley is returning to the South Texas border on Sunday with a group of Democratic colleagues to tour the Customs and Border Protection processing centers in the Rio Grande Valley.


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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Trump sets tariffs on $50 billion in Chinese goods; Beijing strikes back

WASHINGTON/BEIJING (Reuters) – U.S. President Donald Trump said he was pushing ahead with hefty tariffs on $ 50 billion of Chinese imports on Friday, and the smoldering trade war between the world’s two largest economies showed signs of igniting as Beijing immediately vowed to respond in kind.


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Cyber Saturday—When Ireland Rebooted Civilization

Happy Bloomsday, Cyber Saturday readers.

I had the pleasure of spending the week in Dublin, where Bloomsday festivities–the annual celebration of Ulysses, that modernist masterstroke of a novel by 20th century literary luminary James Joyce–are taking place. While I did not stay through the weekend, I did explore the city, retrace some of Bloom’s fictional footsteps, and generally ponder the Irish literary tradition–including the peculiarly essential role the Celtic island played in stewarding and disseminating a body of scholarship that would eventually serve as a foundation for western civilization.

Ireland’s importance to the world of letters extends well before Joyce. Look no further than the Book of Kells. This national treasure is stored a floor beneath the Long Hall library at Trinity College, where the illuminated, bound-vellum pages lay splayed under a glass-capped dais in a darkly-lit room. The relic exemplifies the extraordinary monastic movement that in ages past swept Ireland and kept alive texts, classical and otherwise, in the face of the Roman Empire’s collapse.

Were it not for the Irish, many Latin texts might have been lost to time–or burned in barbaric bonfires. In a sense, Ireland served as a restore point, a reboot for the inherited wisdom and writings of the ancient world. One Thomas Cahill, in fact, argued just this in his two-decade-old bestseller, How the Irish Saved Civilization. (It’s an engaging read, though it admittedly lacks nuance.)

In Dublin, I could not help but consider the country’s heritage in the context of information security. What is cybersecurity but the preservation and protection of data? The safeguarding of valuable info assets? Long before computer servers and machines, there were monks and monasteries. Before hackers there were Vikings and Visigoths. Ireland and its scribes were a rare beacon at the onset of the Dark Ages.

Today devices do much of the rote work for us–replicating and reproducing our silicon-inscribed knowledge–but the ever-present threat of data loss and corruption is no less real. Raiders swarm the wires.

On this Bloomsday, we can learn a valuable lesson by Ireland’s example: Always have a backup plan.

Robert Hackett

@rhhackett

robert.hackett@fortune.com

Welcome to the Cyber Saturday edition of Data Sheet, Fortune’sdaily tech newsletter. Fortune reporter Robert Hackett here. You may reach Robert Hackett via Twitter, Cryptocat, Jabber (see OTR fingerprint on my about.me), PGP encrypted email (see public key on my Keybase.io), Wickr, Signal, or however you (securely) prefer. Feedback welcome.

THREATS

We need another way in. Apple is closing a loophole that allowed law enforcement officers to retrieve data from iPhones. The tech giant is planning a software update that will force people to enter a passcode before data can be transferred to or from the phone an hour after the device has been locked–thereby cutting off a popular means of investigator access. Some cops believe Grayshift, one of the most popular iPhone-cracking startups, already has a workaround for Apple’s software fix.

If you build it they will no longer come. Palmer Luckey, the 25-year-old entrepreneur who sold his virtual reality startup Oculus Rift to Facebook and then departed amid political controversy, is back at it with a new firm, Anduril Industries. The company has been lobbying the U.S. government to revise its plans for a physical border wall with Mexico. Stephen Levy at Wired details the new firm’s plans in a feature: “It merges VR with surveillance tools to create a digital wall that is not a barrier so much as a web of all-seeing eyes, with intelligence to know what it sees.”

You down with PGP? Security researchers disclosed a flaw in email encryption software tools that allowed just about anyone to spoof the digital signature on a message. Usually, such signatures provide assurances about the provenance of an encrypted note, since “signing” must generally be done with a person’s secret, private key. The researchers found a way to fake signatures using people’s public keys. Encrypted email clients GnuPG, Enigmail, GPGTools, and python-gnupg have all patched against the critical vulnerability.

Privacy lost. How shall we balance peoples’ right to privacy with the obligations of law enforcement? The courts have been engaged in figuring out the boundaries between the two sides for decades. This expansive and timely review in the New Yorker discusses the recent history of the law in depth. What’s at stake is nothing less than liberty.

“Hacking” is over.

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ACCESS GRANTED

Into the mist. “The cloud” is a pernicious computing metaphor that obscures the inner workings of the technologies that increasingly dominate our lives, argues artist James Bridle in this dazzling essay for The Guardian. Bridle draws the curtain on the world’s techno wizardry, and he urges people to scrutinize and grasp the mechanisms of power that undergird society. “We cannot unthink the network; we can only think through and within it,” he writes.

Something strange has happened to our way of thinking–and as a result, even stranger things are happening to the world. We have come to believe that everything is computable and can be resolved by the application of new technologies. But these technologies are not neutral facilitators: they embody our politics and biases, they extend beyond the boundaries of nations and legal jurisdictions and increasingly exceed the understanding of even their creators. As a result, we understand less and less about the world as these powerful technologies assume more control over our everyday lives.

ONE MORE THING

Into the mushroom cloud. What might a nuclear attack on New York City look like? That’s the question New York Magazine contemplates in this powerful, chilling thought experiment that appears in its latest magazine issue. “If nuclear war is considered ‘unthinkable,’ that is in no small part because of our refusal to think about it with any clarity or specificity,” the author writes. “In the long run, the best deterrent to nuclear war may be to understand what a single nuclear bomb is capable of doing to, say, a city like New York–and to accept that the reality would be even worse than our fears.”

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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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5 Summer Movie Deals for Bored Kids and Parents Longing for Labor Day


It’s that time of year again: The kids are out of school, and parents are trying to figure out how to get them out of the house, because apparently summer camp costs $ 11,000.

Well, frugal parents who are sick of hearing “I’m bored” 19,009 times a day can rejoice!

Movie theaters around the country are offering free and discounted kids movies all summer long.

5 Theaters With Sweet Summer Movie Ticket Deals

Here are five theater chains offering movie ticket deals this summer. Remember, individual theater schedules vary, so check the website of the location nearest you for the latest details.

$ 1 Movies at Regal Cinemas’ Summer Movie Express

You can see a different movie every Tuesday and Wednesday through Aug. 15 at participating Regal Cinemas on the Summer Movie Express. All movies are $ 1 and typically start at 10 a.m. Check the Regal website for details.

10 Films for $ 5 at the Cinemark Summer Movie Clubhouse

Through Aug. 23, you can see a different PG-rated movie each week for $ 1 per movie or pay $ 5 to see all 10. Showtimes are at 10 a.m., and days vary by location at participating Cinemark Theatres.

And make sure to print the schedule for your location to get a $ 2-off coupon for any large popcorn or fountain drink.

Free Summer Movies at Bow Tie Cinemas

Bow Tie Cinemas is showing free movies during its Summer Kids Series. Get in on the fun at participating locations every Tuesday and Wednesday at 10 a.m. from June 19 to Aug. 15.

$ 4 Movies and a KidsPack at AMC Theaters’ Summer Movie Camp

AMC knows kids can only sit so long without fiddling, so it’s offering a combo. Every Wednesday — excluding July 4 — at 10 a.m. through Aug. 1, your $ 4 ticket gets you a movie and a KidsPack, which includes a popcorn, drink and FrootiTooti fruit snacks.

The Summer Movie Camp is only at participating AMCs, so check the website before loading up the kids. And for big kids, don’t forget you can always snag $ 5 movies on Tuesdays with an AMC Stubs membership.

10 Films for $ 7 at Harkins Summer Movie Fun

For $ 7, you can buy a season pass to Harkins Theatres’ Summer Movie Fun series. Through Aug. 3, you can see a different movie every week at 9:45 a.m. Monday through Friday. If you don’t want to spring for the pass, single movie tickets are $ 2 each.

And sorry adults, there’s no admittance unless you bring a child with you. But Harkins also has a Summer Series for guests 14 and older at 10:15 a.m. every week. It’s limited to select locations and by request only, so call 480-627-7777 for more information.  

Jen Smith is a staff writer at The Penny Hoarder. She gives money-saving and debt payoff tips on Instagram at @savingwithspunk.

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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What life is like for Paul Manafort in jail

Just before dusk on Friday, a white van pulled into Northern Neck Regional Jail, a green-roofed, low-slung building about three miles from the bank of the Rappahannock River in Virginia.


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This is Why SPF 100 Sunscreen Isn’t Worth It (and What to Buy Instead)


Wear. Sunscreen.

This sound advice is the one thing Australian director Baz Luhrmann may be better known for than his Leonardo DiCaprio-inclusive interpretation of of “Romeo and Juliet” …nevermind the fact it was actually penned by Chicago Tribune columnist Mary Schmich.

Alas, fame may be a fickle beast — but ultraviolet radiation isn’t.

And now that summer is finally here, many of us are beginning to bare our winter-pale skin to the sun’s powerful rays.

We won’t even acknowledge the possibility that you’re not wearing sunscreen; who doesn’t take a classic ‘90s earworm to heart?

But still, your wise dedication to sun protection will require some decision-making, and the sunscreen aisle will be stocked full of SPFs ranging from 15 to 100, with price tags ranging right along with them.

Is it worth it to buy upgraded, super-high-SPF sunscreen? Does it actually offer that much more protection?

Aileen Perilla/The Penny Hoarder

Is SPF 100 Worth It? What Does SPF Even Mean?

The quick answer to the SPF-100 question is “no.”

What’s more, no sunscreen on the market offers total skin protection. But to see why, let’s dig into what that sunscreen label actually means.

SPF stands for “sun protection factor,” which “refers to the ability of a sunscreen to block ultraviolet B (UVB) rays,” according to WebMD. These rays — the UVBs — are the ones that cause sunburns, but their UVA cousins can also hurt you. In fact, although both types contribute to the risk of skin cancer, UVA rays are “more closely linked to deeper skin damage.”

Fortunately, you can buy sunscreen that protects you from both kinds of radiation; it’ll say “broad spectrum” or “full spectrum” on the label.

But let’s go back to SPF itself for a moment, which refers only to UVB protection, even if your sunscreen offers both kinds. What does that number mean in the first place?

Although it seems as if SPF should align neatly with protection factor — (an SPF 30 sunscreen should offer double the protection than one labeled SPF 15, right?) — that’s apparently not the way it works. At all.

In fact, SPF 45 blocks only 1% more UV rays than SPF 30, which in turn only offers 3% more protection than bottom-of-the-barrel SPF 15. In other words, spending the extra cash on high-SPF sunscreen is a total waste of money.

Repeat: High-SPF sunscreen is not worth it.

Aileen Perilla/The Penny Hoarder

So, Which Sunscreen Should You Buy to Get the Best Deal?

Even one glance at the sunscreen end-caps popping up at Walmart and Target will tell you there’s more to this decision than SPF.

From facial lotions promising to ward off breakouts to sporty, spray-on versions that allegedly render their wearers sand-resistant beach ninjas, there are all sorts of sun protection options out there — and they come at every price point on the spectrum. (No pun intended.)

As with any other personal care product decision, your mileage may vary; maybe you decide the clear-face lotion is worth the upgrade.

But the one attribute you definitely want to look for — and pay extra for, if it comes to it — is full-spectrum protection. Water resistance is a pretty good feature, too. Whether you’re planning to swim or not, that hot sun can make you sweat, as well as burn.

As far as SPF, a fairly low figure will do it. Florida dermatologist James M. Spencer, M.D., recommends SPF 30 to his patients… with the caveat that they apply early (half an hour before you hit the beach), liberally and often.

“You just can’t put it on in the morning and forget about it,” he told WebMD. “I don’t care if it’s SPF 800,” he says: “after a few hours, it’s gone.”

That’s especially true if you’re getting wet, active, or both while you’re enjoying your day in the sunshine. Even water-resistant sunscreens should be re-applied every two hours.

If your skin and summer schedule are anything like mine, you’re probably going to be purchasing several bottles. Good thing we’ve already covered some easy sunscreen savings tips to keep both your skin and savings account safe from the sun.

Jamie Cattanach (@jamiecattanach) is a Russian-Scottish Floridian whose skin is essentially fluorescent. She buys a lot of sunscreen.

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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DHS: 2,000 children separated at border

The US government has separated at least 2,000 children from parents at the border since implementing a policy that results in such family separations, the Department of Homeland Security confirmed Friday.


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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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Fighters of the Hashed Al-Shaabi (Popular Mobilization units)…

Fighters of the Hashed Al-Shaabi (Popular Mobilization units) advance
through a street in the town of Tal Afar, west of Mosul, after the Iraqi
government announced the launch of the operation to retake it from
Islamic State (IS) group control, on August 26, 2017.
AHMAD AL-RUBAYE / AFP

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The U.S. economy is likely to grow faster than expected, according to a Goldman Sachs tracker model.
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10 cities with the highest student loan balances

College tuition costs are rising at unprecedented rates these days. In the United States, student loan debt eclipsed $ 1.3 trillion at the end of 2017, according to the Federal Reserve.

When we think about student loans, rarely does where a person lives figure into the picture. But a new study from loan site Lending Tree shows that among regions in the United States, the South is bearing the brunt of student debt compared to other places.

Is your locale on the list? These cities have the most student loan debt

To arrive at the figures, Lending Tree analysts looked at anonymized LendingTree.com users in the first quarter of 2018 and tallied their student loans, locale and other data. Information from the U.S. Census Bureau’s 2012-2016 American Community Survey 5-Year Estimates was also used.

Here are the cities with the most student loan debt:

  • 1 – Washington, D.C.: Median Balance: $ 22,803
  • 2 – Atlanta, Georgia: Median Balance: $ 22,232
  • 3 – Richmond, Virginia: Median Balance: $ 21,915
  • 4 – Raleigh, North Carolina: Median Balance: $ 21,357
  • 5 – Akron, Ohio:  Median Balance: $ 21,037
  • 6 – Little Rock, Arkansas: Median Balance: $ 21,031
  • 7 – Birmingham, Alabama: Median Balance: $ 20,679
  • 8 – Jackson, Mississippi: Median Balance: $ 20,650
  • 9 – Columbia, South Carolina: Median Balance: $ 20,560
  • 10 – Charleston, South Carolina: Median Balance: $ 20,469

RELATED: Student loan scam: A cautionary tale

Here are the cities with the least student loan debt

  • 100 – McAllen, Texas: Median Balance: $ 13,017
  • 99 – Fresno, California: Median Balance: $ 13,808
  • 98 – Springfield, Massachusetts: Median Balance: $ 14,615
  • 97 Bakersfield, California: Median Balance: $ 14,656
  • 96 Providence, Rhode Island: Median Balance: $ 15,025
  • 95 Harrisburg, Pennsylvania: Median Balance: $ 15,056
  • 94 Salt Lake City, Utah: Median Balance: $ 15,165
  • 93 Provo, Utah: Median Balance: $ 15,244
  • 92 Ogden, Utah: Median Balance: $ 15,244
  • 91 San Jose, California: Median Balance: $ 15,273
  • 90 Albuquerque, New Mexico: Median Balance: $ 15,549

The average college student who graduated in 2015 owed $ 29,411, according to USnews.com. One year later that figure dropped 2% to $ 28,773.

If you’re contemplating college, you may be wondering how to further educate yourself about student loans and find out what’s available. Check out Clark Howard’s Student Loan Guide, which has tips on borrowing and how to pay them off.

RELATED: Here’s how much you can expect to make with your college major

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Bank of America picks ex Macron adviser Mourad to run investment banking for France – sources

LONDON/PARIS, June 15 (Reuters) – Bank of America
has hired Morgan Stanley veteran Bernard Mourad, who recently
worked as an adviser to French President Emmanuel Macron, as its
new head of corporate and investment banking for France, three
sources familiar with the matter told Reuters.


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I Feel Like I’m Screwing Up by Holding Out for Student Loan Forgiveness


Lucky,

Congratulations on your degree! What an accomplishment.

But oh, student loan guilt. It’ll take the shine off your new diploma in an instant.

Even when you have a repayment plan to follow, and even when you know you’ll be saddled with this debt for much of the rest of your mortal life, there’s still the guilt factor. The feeling that you should be doing more.

Have you ever grabbed a calculator to fiddle with the numbers and see if you have any hope of paying off your student loan debt quicker? I’ve done that. It usually ends in the fetal position on the couch. A high balance makes it difficult to make headway unless you come into some cash, like lottery or long-lost aunt cash. Otherwise, every month when the bill is due, you get a reminder of just how long you have to go.

But you’re doing it right, even if your income-based repayment (IBR) amount seems trivial. Interest rates for federal student loans are lower than for other consumer debt, such as credit cards. Long-term student loans are gross, but they’re just a third wheel in your relationship with your money. Everyone’s got a third wheel.

To knock out some of that guilt, stop thinking about your student loan balance as debt, and start thinking of it as just another bill. Instead of focusing on the total balance, take it month by month and focus on what’s due now. Then, free up some mental space to think about your other financial goals, like paying off your credit card debt or saving for retirement.

Don’t feel bad about the loophole — seriously. From you to me to the rest of the United States, we collectively have more than a trillion dollars of student loan debt. Take the way out.

Now, for a few words of caution about that way out.

I asked two experts about your situation: attorney Adam Minsky, whose Boston-based law firm specializes in student loans, and student loan consultant Heather Jarvis.

If you don’t already have proof of your forgiveness date in writing, make sure you get it and triple-check it. Minsky explained that since IBR wasn’t created until 2008, the earliest someone could get their loans forgiven with the 25-year payment plan would be 2033 — 15 years from now. If you had income-contingent repayment before IBR came into play, your situation may be different. It would behoove you to have a conversation with the federal Student Loan Support Center to verify your status and ask for proof. Always get proof, especially when you think there’s a loophole in play.

As for your income, remember that income-based repayment. “Your currently low payments are likely based on last year’s lower income, and so [they] won’t last,” Jarvis warned.

You’re smart to also be thinking about the tax obligation for the forgiven loan balance.

Jarvis explained that Public Service Loan Forgiveness, for those who work in government or nonprofits, is not taxable as income. But income-driven repayment plans of 20 or 25 years, depending on the plan, require forgiveness be taxed as income.

Minsky suggests working with a tax adviser or accountant if you haven’t done so already. “They would have a better handle on potential tax consequences of loan forgiveness,” he said in an email. “Any tax resulting from cancellation of debt typically must be paid either all at once, or over a relatively short installment period with interest and penalties added, and the IRS has powerful collections tools if the borrower cannot pay.”

Changes to federal law could impact your situation, too, Minsky warned. “We don’t know what the tax legal landscape will look like 10 to 15 years from now,” he said.

The inbox is open. Send your worries to dearpenny@thepennyhoarder.com, and I’ll see what I can do to help.

Disclaimer: Chosen questions and featured answers will appear in The Penny Hoarder’s “Dear Penny” column. I won’t be able to answer every single letter (I can only type so fast!). We reserve the right to edit and publish your questions. Don’t worry — your identity will remain anonymous. I don’t have a psychology, accounting, finance or legal degree, so my advice is for general informational purposes only. I do, however, promise to give you honest advice based on my own insights and real-life experiences.

Lisa Rowan is a senior 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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Report on FBI brings the 2016 campaign roaring back

This long national nightmare may never be over.


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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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Fitbit employees charged with stealing trade secrets from rival

SAN JOSE, Calif. — U.S. prosecutors have charged six current and former employees of San Francisco-based Fitbit, Inc. with possessing trade secrets stolen from rival company Jawbone. An indictment filed Thursday in federal court in Northern California says the employees received the stolen trade secrets after leaving Jawbone and knew they were not supposed to…
Business | New York Post

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William Shatner Promotes Solar-Powered Cryptocoin Mining

Ever the showman and pitchman, William Shatner isn’t shy when he’s passionate about something. So onlookers may have expected something more from Star Trek’s original Capt. Kirk when he announced that Solar Alliance Energy, a company for which he’s the spokesperson, had purchased a 165,000 square foot warehouse in Murphysboro, Ill. as the first of many solar-powered facilities it plans to lease to cryptocurrency miners. Maybe a full-voiced, head-titled-back, “COOOOOOINNNNNNNNN!” as a camera pulled up and away? Alas, no, not today.

Instead Shatner made anodyne statements about the future of currencies that existed solely as bits. “I am proud to be a part of the group that is powering the digital currency revolution,” he said in a statement. “Blockchain technologies, and cryptocurrencies specifically, are at the cutting edge of a new distributed technology infrastructure.”

Shatner’s connection to tech is tenuous — and always has been, from Priceline to LottoGopher — but it highlights a significant and rapidly increasing problem associated with Bitcoin and other cryptocurrencies: they require vast amounts of electrical power. The distributed worldwide Bitcoin network employs specialized server hardware that performs over 80 million trillion operations a second worldwide to find a mathematical needle in a haystack that allows them to collect a hefty reward and add transactions to a global ledger, called a blockchain. By comparison, the world’s fastest supercomputer performs 200,000 trillion operations a second.

The need for that much calculation comes with accompanying needs for power. A recent peer-reviewed paper that performed a rigorous analysis of the likely energy consumed by Bitcoin alone said the currency consumes nearly as much energy as all of Ireland, with a current annualized rate of 22.3 trillion watts of power (TWh) a year at minimum, compared to Ireland’s consumption of 25 TWh. Bitcoin’s electrical use could power roughly 2 billion average American homes. The paper’s author believes this could triple by the end of 2018.

Solar Alliance Energy’s Murphysboro facility will get a 3-megawatt solar panel array, which at a theoretical peak capacity could generate about one-tenth of 1% of power consumed by Bitcoin globally. But because solar only works during daylight hours and only at peak efficiency for part of the day, actual production will likely be far less.

While cryptocurrency advocates have promoted the idea of green power stoking the Bitcoin furnaces–especially off-the-grid sources devoted exclusively to mining–the scale and location of large-scale mining operations make any dramatic shift to solar unlikely.

Murphysboro has just 8,000 residents, which is typical of cities in which cryptocurrency mining operations locate. Small towns with cheap hydroelectric or other forms of power around the United States have increasingly wrestled with miners who come into town and start asking for tens of megawatts of power, the equivalent of large-scale industrial operations. Some public utility districts have imposed advance payment requirements for infrastructure upgrades, frozen new mining operations, or created new tiers of service to charge miners more.

Shatner was once a cryptocoin skeptic, but told the Chicago Tribune he’s now a convert. While he lives in California, he has a home in Kentucky, and expects he might visit the facility, which Solar Alliance Energy plans to start leasing out to mining clients by the end of 2018.

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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Email investigation ‘cast a cloud’ over the FBI, report says

The Justice Department’s internal watchdog found that former FBI Director James Comey’s actions in the Hillary Clinton email investigation deviated from the department’s norms but that Comey was not motivated by political bias, according to two sources familiar with the report.


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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 Blame Gamers for Falling Labor Force Participation. Here’s Why


Right now, the economy is humming.

The labor market just hit a major milestone when job openings surpassed the number of people looking for work. And the embattled retail sector seems to be on an upswing.

Then why have so many people dropped out of the labor force since the turn of the 21st century?

Like many modern problems, some academics have been quick to blame gamers for the phenomenon — at least when it comes to young men. The thinking goes: Millennial dudes might be more inclined to dab on haters all day in Fortnite than get out of their gaming chair and hunt for work.

But a working paper published this week by Federal Housing Finance Agency economist Gray Kimbrough effectively frags that theory.

It’s not quite a fatality, since the paper will likely be revised before final publication. But Kimbrough used data about men between the ages of 20 and 30 from the U.S. Bureau of Labor Statistics to find that, while some classic tropes about gamers — like most live with their parents — are true, young men haven’t been leaving the workforce to pursue a life of no-scoping n00bs and casuals.

“Moreover, an examination of men who recently left employment suggests that they do not prefer to spend significantly more time gaming than currently employed men, contrary to the hypothesis that preferences for gaming could be enticing men to leave the labor force,” he wrote in the paper.

A far more striking trend is the fact that an aging U.S. population is moving out of the labor market. Also, women appear to be foregoing work due to lack of advancement opportunities, childcare costs and the lack of parental leave.

Of course, with the rise of Twitch and monetized streaming, gamers can more easily make gaming their full-time job.

But for the rest of us, who struggle not to get murked by 12-year-olds on summer break, you can find a real job at The Penny Hoarder Jobs page on Facebook.

Alex Mahadevan is a data journalist 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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President Trump’s legal team plots next move following the North Korea summit

As he flew back from the historic North Korea summit, a euphoric President Donald Trump worked the phones, calling key lawmakers to tell them what happened inside his meeting with Kim Jong Un — which Trump deemed a success.


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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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Lyft and United Way Are Giving Free Rides to 2-1-1 Callers in 12 Cities


Not having access to a set of wheels is the worst — especially if you live in a transportation desert or when you don’t have the financial means to hail a ride from an app.

No one wants to cancel a doctor’s appointment or job interview due to lack of transportation.

To help solve the problem, Lyft has partnered with United Way to provide free rides to residents in need in 12 cities. Transportation seekers just need to contact 2-1-1, a free, confidential help line operated by United Way that gives referrals and information 24/7 to people needing essential services.

The free Lyft rides are now available to residents in Atlanta, Austin, Boston, Cleveland, Denver, Houston, Milwaukee, Nashville, Orlando, Philadelphia, San Diego and San Francisco.

The service is made possible through the ride-hailing company’s Lyft Relief Rides program, which provides free rides to people in crisis. Free transportation will be available on a one-time basis to get people to and from nonemergency medical appointments, veterans services, job interviews and other employment-related stops.

Mary Sellers, the U.S. president for United Way Worldwide, told The Penny Hoarder 2-1-1 would do its best to accommodate those who need transportation on repeated occasions. However, the free Lyft ride service is not designed for those who need transportation on a regular or everyday basis.

Sellers said transportation assistance is among the top unmet needs for the help line. Last year, 20% of the more than 250,000 transportation requests 2-1-1 received could not be met with existing resources.

“By partnering with Lyft, we’re better able to meet community needs by helping individuals get the services they require,” Sellers said in a news release.

Lyft recently committed $ 1.5 million to its Lyft Relief Rides program.

According to United Way, the partnership with Lyft may expand to additional cities if the program is successful in the 12 pilot cities.

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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May producer prices jump in the biggest annual increase in nearly 6 1/2 years

U.S. producer prices increased more than expected in May, leading to the biggest annual increase in nearly 6-1/2 years.
Economy

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A Nepali boy whose body is covered with mud looks on in his…

A Nepali boy whose body is covered with mud looks on in his village on
the outskirts of Biratnagar after the area was hit by flood, some 240
kms from Nepal’s capital Kathmandu, on August 16, 2017.  At least 221
people have died and more than 1.5 million have been displaced by
monsoon flooding across India, Nepal and Bangladesh, officials said on
August 15, as rescuers scoured submerged villages for the missing. In
Nepal, severe flooding has left tens of thousands of homes totally
underwater in the populous southern lowlands, with nearly 20 percent of
the population affected.

PRAKASH MATHEMA / AFP

AFP Photo

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McCabe sues Justice, FBI for materials related to his firing

Former FBI Deputy Director Andrew McCabe is suing the Department of Justice, the department’s inspector general and the FBI for materials related to his firing.


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Discover Is Offering Employees a Free College Education. Here Are the Rules


If imitation is the sincerest form of flattery, Walmart should be pretty flattered right now.

Why? Because Discover, the financial-services company, just announced a similar plan to the retail giant’s for sending employees to college (minus the whole $ 1 a day thing) — right down to two of the schools involved.

The gist of the new benefit is pretty much the same: Discover will now give all U.S.-based employees the opportunity to earn a bachelor’s degree for free.

The Discover College Commitment  

The new benefit, called the Discover College Commitment, will be available to all U.S.-based full-time or flex part-time employees who want to receive their first bachelor’s degree. According to the company, nearly 90% of its employees who do not have a postsecondary degree work in the customer care centers, which are all U.S.-based.

After any grants have been applied, the company will cover any remaining tuition, fees, books and supplies. Tuition will be paid directly to the employee’s school of choice, while spending on qualified books, supplies and fees will be reimbursed.

Eligible employees can enroll in online degree programs at three universities — Wilmington University in Delaware, Brandman University in California or the University of Florida — and can choose from one of a few select degree paths.

Through Brandman University and the University of Florida, employees can earn a bachelor’s degree in business administration, while employees who choose Wilmington University can earn a bachelor’s degree in organizational management, business management, software design and development or computer and network security.

The new program is in partnership with Guild Education, which will provide academic counseling to employees to help them find the right program for their educational and personal development.

There is no tenure period involved (meaning qualifying employees can take advantage of the Discover College Commitment as soon as they choose). However, employees must be in active status and in good standing within the company. They also must meet certain expectations within their role and maintain at least a 2.0 grade-point average or higher.

Employees should note one important thing, though: If a Discover employee is terminated, all tuition, fees and reimbursements that the employee received within the 24 months prior must be paid back.

Education Assistance Through Discover

Before offering fully paid bachelor’s degree programs through the College Commitment program, Discover already had a few education assistance opportunities in place for employees.

The In-Network Degree Assistance program provides employees with as much as 90% of the tuition costs, or up to $ 5,250 for an associate’s or bachelor’s degree or $ 10,000 for a graduate degree annually, for accredited, in-network colleges that are outside of the College Commitment program.

The company’s Out-of-Network Degree Assistance program will cover up to $ 2,500 for an associate’s, $ 5,250 for a bachelor’s or $ 10,000 for graduate degree annually at an accredited university outside the Guild Education university network.

The company also offers employees a leadership-education program, an on-site MBA program and an internal professional-development program — so while the College Commitment Program may be new, the company’s assistance for employees advancing their education and careers is not.

“Investing in our employees and their futures will not only make us a stronger company, but have a lasting positive impact on those who might otherwise never get the chance to attend college,” said Jon Kaplan, vice president of training and development at Discover, in a news release.

Grace Schweizer 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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Lands’ End shares soar as more Sears stores close

Lands’ End can’t run out of Sears stores fast enough. Shares of the preppy clothing brand soared on Tuesday — closing up 27 percent to $ 29.90 — after the company said it continues to close shops in the failing department store and opening its own stores. Lands’ End same-store sales fell 18.9 percent in the…
Business | New York Post

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How Much Bitcoin Would You Spend on a Warhol?

When Andy’s Warhol’s Fourteen Small Electric Chairs goes up for auction on June 20, the painting won’t just entice fine art dealers and collectors. Bitcoin billionaires will no doubt tune in to watch–and maybe buy into–the world’s first-ever public auction in which winners will pay with cryptocurrency.

Would-be buyers will bid on digital certificates using cryptocurrencies including Bitcoin and Ethereum. The auction will also allow for another first: bidders can buy only a fraction of the painting. The auction will be held on blockchain platform Maecenas in partnership with Mayfair-based cryptocurrency broker Dadiani Syndicate.

“This event marks the first-ever artwork to be tokenised and to be sold using blockchain technology,” Maecenas CEO Marcelo Garcia Casil told The Independent, explaining the process through which collectors can now own only a fraction of a piece of art. “We’re making history.”

Technically, art has already been purchased outright with Bitcoin, though this may in fact be the first auction to accept cryptocurrency. In January, four paintings were bought with cryptocurrency at Art Stage Singapore.

Tokenization may not appeal to every collector. But ownership placed on blockchain, or digital ledgers that keep track of every transaction, will enable easy transfer of ownership, and of tracking blue-chip pieces on a market often littered with replicas.

Ahead of the auction, it’s an interesting moment at the intersection of fine art and high-tech financial trading. In a business plagued by counterfeits and all manner of tax evasion and fraud, blockchain digital ledgers may be the best way to track ownership and authenticity across a fragmented market, according to a new report described in the Financial Times.

Fourteen Small Electric Chairs, a 1980 painting from Warhol’s Reversal series, is currently valued by auction house Bonhams at $ 5.3 million, or ?4 million…or about 815 Bitcoin.

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Trump says accused human rights abuser Kim Jong Un ‘loves his people’

President Donald Trump praised North Korean dictator Kim Jong Un — a man who leads a government that outside observers say brutalizes and starves its own citizens — as someone who “loves his people.”


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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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Chase is eliminating these big credit card benefits as of August 26

Credit card companies are taking a hatchet to their benefits for customers — and there’s no end in sight, with the latest announcement from one of the nation’s biggest issuers.

RELATED: Discover is eliminating these 5 credit card benefits in 2018

Chase gets ready to eliminate Price Protection and Return Protection

Effective August 26, Chase will no longer offer Price Protection or Return Protection to its customers. Some customers were informed of the change over the weekend.

Price Protection is a beloved benefit that’s available across several card networks. In general, it promises to refund the difference in price between an item you buy and an advertised sale price that may pop up on that same item anytime between 60 and 90 days down the road.

Chase’s competitor Citi announced just days ago that they’d be paring down their proprietary price protection program called Citi Price Rewind.

But Chase is going one step further than Citi did and axing its version of price protection completely.

Also being shut down at Chase is Return Protection, which makes it up to customers if they buy something they’re unhappy with and the merchant refuses to take it back and refund their money. Chase currently offers up to $ 250 for each eligible item with a $ 1,000 annual maximum as part of its current return protection policy — but all you’ll get is a big, fat goose egg come August 26!

Yet as Chase taketh away, the card issuer also giveth. Cardholders of select products such as the Chase Freedom Visa Platinum will have Trip Cancellation/Interruption Insurance added to their card on August 26.

Beginning on that date, the added coverage will provide reimbursement of up to $ 1,500 per person and $ 6,000 per trip for pre-paid, non-refundable passenger fares. To meet the criteria to get the money, your trip must be canceled or cut short by sickness, severe weather or other covered situations.

Money expert Clark Howard has long recommended trip insurance for cruises and for when you’re going to be touring or traveling on a trip that requires prepayment of thousands of dollars.

So on the plus side, Chase’s addition of cancellation/interruption insurance for some customers could negate the need for them to buy third-party trip insurance. Just be sure you read through Chase’s policy carefully to see what it covers and what it excludes before deciding to forego traditional trip insurance you might buy elsewhere.

More credit card stories on Clark.com:

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Getting Older Doesn’t Have to Mean Feeling Old. Here’s How to Stay Vibrant


As much as I’d like to say otherwise, we all get older whether we want to or not.

The good news is, reaching middle age can be liberating and fun.

Sure, we have to think more carefully about things like retirement and long-term investments. But middle age also means we may have a bit more disposable income to spend on things like sports cars or travel adventures.

The key to getting the most out of middle age and beyond, however, is staying healthy enough to enjoy it.

Most of us know to get regular checkups at the doctor and a smattering of yearly medical tests. But learning the nuances of taking care of ourselves as we age is a little more difficult because there’s a lot more to remember.

Fortunately, the New York Times put together a list of just about everything people 30 years and older should keep in mind to stay healthy and active well into their senior years.

The Well Midlife Tuneup offers tips on everything from nutrition and exercise to the importance of staying connected with friends and family as we age.

The list also addresses health issues that we assume are a normal part of aging but that could actually be mitigated or avoided altogether by actively managing our health and fitness.

For example, our hearing naturally decreases as we get older, but a midlife hearing test could catch noise-induced hearing loss before it becomes irreversible.

The tuneup tip sheet also reminds us that Medicare doesn’t cover dental procedures, so being mindful of our dental health can save us money on expensive corrective procedures down the road.

For more midlife health and wellness tips, be sure to check out the entire list on the New York Times website.

I recommend bookmarking it for reference and printing out a copy to keep on hand at home.

Lisa McGreevy is a staff writer at The Penny Hoarder. She enjoys telling readers about affordable ways to stay healthy, so look her up on Twitter (@lisah) if you’ve got a tip to share.

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 admin drops asylum protections for domestic violence victims

Attorney General Jeff Sessions will announce a major decision that could impact thousands of asylum seekers from Central America on Monday — his latest move to use his unique authority to single-handedly reshape immigration law.


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UPDATE 1-Audi CEO targeted in German prosecutor’s emissions probe

FRANKFURT, June 11 (Reuters) – German prosecutors on Monday
said they have widened an emissions cheating probe against
Volkswagen’s luxury car brand Audi to
include Chief Executive Rupert Stadler among the suspects
accused of fraud and false advertising.


Reuters: Company News

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Upvote This: Ranker Is Filling a Remote Copy Editor Position — Apply Today


Hey copy editors, here’s a gig you might want to upvote.

Ranker, the entertainment website, is looking to fill a remote copy editor position. The website publishes list articles that readers can upvote and downvote items as they see fit.

As a copy editor, you’ll be in charge of making sure images receive proper attribution and the articles are factually and grammatically correct before they get published on the website. Your duties will include verifying facts and sources, giving images proper attribution, spot-checking for plagiarism and using Ranker’s voice and style guide to ensure articles meet set standards.

Hours for this remote contract position sync with the copy desk at Ranker’s Los Angeles Headquarters, 9 a.m. to 6 p.m. PST.

Not interested in being a copy editor? Don’t forget to check out our Jobs page on Facebook. We post new opportunities there all the time.

Copy Editor at Ranker

Pay: Not specified

Responsibilities include:

  • Proofreading and copy-editing material to ensure content is grammatically correct, fact-checked, free of plagiarism and maintains the website’s voice and style
  • Using best practices to make sure images are properly sourced and receive proper attribution
  • Be the final set of eyes on content before it gets published
  • Reporting to and working with the home office in Los Angeles (hours fall between 9 a.m. and 6 p.m. PST)

Applicants for this position must:

  • Have at least two years experience in a copy-editing position for a high-profile entertainment, celebrity, movie or television publication (online outlets preferred)
  • Have a minimum of two years experience in digital media
  • Have a bachelor’s degree in English, journalism, communications, film or related major  
  • Have experience using a voice and style guide to make sure copy is clean, fact-checked, bias-free and legally low-risk
  • Have experience doing large-scale cleanup projects to bring older content up to current editorial standards (preferred)
  • Be comfortable working in a fast-paced environment for a data-driven publisher
  • Have experience using various content management systems
  • Have experience working with search engine optimization (preferred)
  • Be a problem-solver and great communicator
  • Have a love of pop culture

Apply here for the copy editor position at Ranker.

Matt Reinstetle 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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New Italian economy minister vows to stay in euro, cut debt level

Italy's government has no intention of leaving the euro, the country's new economy minister said.
Economy

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From real estate to diplomacy, Trump chases the ultimate deal in Singapore

Donald Trump had made up his mind.


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US President Donald Trump gestures to photographers as he…

US President Donald Trump gestures to photographers as he prepares to
board the Air Force one plane to fly to Washington DC from Morristown,
New Jersey, on August 14, 2017. US President Donald Trump will meet
later with his attorney general and new FBI director as criticism mounts
over his failure to specifically condemn a rally by white supremacists
which ended in bloodshed.
JIM WATSON / AFP

AFP Photo

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Is Working from Home Right for You? These Do’s and Don’ts Are Here to Help


I work a traditional 8-to-5 office job, and it is taxing in many ways. I have to get up early, make myself presentable and start my commute early enough to reach the office on time. What starts as an eight- or nine-hour workday easily morphs into 10 or 11 hours once I take preparation and commute times into account.

The average commute for an American worker is up to 26.4 minutes according to 2015 U.S. Census data — and that time increases if you live in a metro area. It’s no wonder more employees are asking to work remotely, either on a full-time basis or as needed. Working from home, or WFH, offers numerous benefits to employees — but, as it turns out, offering WFH options also benefits the employer.

Employer Benefits

Global Workplace Analytics evaluated thousands of studies focused on companies who offered work-from-home flexibility. While they found too many to list in this article, the main benefits included an increase in productivity among employees, fewer people calling in sick (and therefore less lost time) and a reduction in burnt-out employees.

Steve Pritchard, HR manager at Cuuver, brings up some additional benefits for employers. “Giving employees the opportunity to work from home if they wish is great for helping to retain staff, especially those who have quite a long commute to work,” he explains. “You can list it on your job advertisements as one of your company benefits, which will help to attract a high caliber of applicants.”

Another perk for employers concerns sick-day usage. “If a member of staff doesn’t feel up to coming into the office but they can get work done from home, this means you aren’t a man down – this makes for a massive perk for both the business and the employee,” says Pritchard.

As far as managing remote employees, Pritchard thinks it’s doable. “Naturally, it can be harder to manage remote workers, so the best way to do this is to implement a progression tool,” he says. “Whether it’s a Google Calendar or specialist software like Zoho or Trello, remote workers can feed into the system what work they are doing, how long it is going to take them and when it will be completed by. Phone calls also help everyone to stay connected when working from home.”

Employee Benefits

The benefits of working from home for employees are probably pretty obvious. You save time (and money) on your commute, you don’t have to adhere to a dress code (though some clothes are preferable) and you can hang out with your dog (or cat, no judgement here).

But there are hidden benefits to working from home that you might not have considered.

As The Muse points out, working from home doesn’t mean you’re stuck in your office all the time. It’s actually a great and flexible way to still get work done when you’re traveling. You can also take your laptop outside and get some work done when the weather is nice, instead of being stuck inside a stuffy office.

I spoke with Dahna Heineman, senior security program manager at DXC Technologies, to learn more about the benefits of working from home for employees. Heineman has been working from home full time for five years and loves the benefits it provides her.

Heineman has no commute and spends less than ever on things like makeup, hair products and dry cleaning. She’s also found that working from home has allowed her to become more attuned to changes in tone of voice.

Heineman also appreciates the ability to work uninterrupted from home. “No one randomly pops up at your desk to interrupt your train of thought while you are working on a security product workflow for multiple services and regions,” she says. “No office noise around or people chatting in the background make it easier to concentrate.”

Drawbacks

Of course, just because working from home can be beneficial for workers and their employers doesn’t mean everyone can (or should) do it. While Heineman generally likes working from home, she acknowledges that there is also a downside.

No commute might sound heavenly to many workers, but it could actually be detrimental. “You have zero time from when you stop working to decompress,” explains Heineman. Rather, you go straight from work life to family life without stopping to take a break.

And while working from home gives you the peace to concentrate on the task at hand, it can also be lonely. “No one ever pops up to give you a break, a laugh or interact with you,” says Heineman. If you’re a social person this can be extremely demoralizing.

Working from home could also mean you take fewer breaks throughout the day. For lunch, Heineman says, “You tend to grab your food, eat it alone and not take a full hour as your break.” Additionally, you could end up “schedul[ing] back to back calls and never even stand[ing] up for six hours.”

This can lead to issues with your health — both mental and physical.

Do’s and Don’ts

If you’re lucky enough to have an employer that supports working from home, you need to be aware of some do’s and don’ts to make sure you don’t take advantage of the policy and potentially ruin it for your co-workers.

Do get ready for work in the morning.

Diane Gottsman writes in an article for HuffPost that getting dressed, brushing your hair and washing your face can help you get in the right mindset for the workday. It might be tempting to work in your pajamas, but putting on pants and a shirt will tell your brain that it’s time to work rather than lounge.

Do make sure you are available during regular business hours.

“Your availability to colleagues should be no different when working remotely than it would be if you were in the office,” Barry Chignell writes in an article for CIPHR.

Don’t skip your lunch break.

“You have the luxury of being more flexible with your day,” writes Gottsman, “but sticking to a routine, which includes planning for healthy meals, will enable you to work more resourcefully than wandering around the house for a cup of noodle soup or a few handfuls of chips.” You’ll enjoy the mental break and will return to work ready to conquer your busy afternoon.

Do create a home office.

“Preferably, you need natural light and a door, so that you can separate your work from your home life when the workday is done,” writes Bill Murphy Jr. in an article for Inc. It might be tempting to work from your couch, but having a designated office space in your home will help you focus on the task at hand.

Don’t get distracted.

Sure, it’s easy enough to do a few chores throughout the day when you’re working from home, but make sure you’re still putting in your hours. “Whether you work in a brick-and-mortar building, local coffee shop or your personal domain, it’s up to you to control your personal disturbances,” explains Gottsman.

That means turning off the TV, staying off social media and scheduling breaks if necessary to take care of things around the house.

Working from home isn’t for everyone, but if you have the right mindset it can be a very rewarding experience. Whether your employer allows the occasional remote day or lets you telecommute full time, make sure you stay productive and switched on when working away from the office.

Catherine Hiles works from home very occasionally in her day job, and as a freelance writer. She prefers the social aspect of an office environment, but appreciates flexibility when she needs to focus on important tasks.

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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The Point: Trump held a press conference at the G7 — here are the 38 wildest things he said

President Donald Trump didn’t spend much time at the G7 meeting in Quebec over the last 48 hours, but he managed to make plenty of news. As he was leaving for the conference, Trump told reporters he’d support re-adding Russia into the group. (Russia was removed from the group after it annexed Crimea in 2014.)


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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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Former FCC Chairman Claims Ajit Pai Lied About DDoS Attack on Net Neutrality Forum

Federal Communications Commission Chairman Ajit Pai lied when he claimed a distributed denial-of-service (DDoS) attack brought down the agency’s comments system in 2014, his predecessor says.

It’s the latest salvo in the controversy over why the FCC’s public comment forum crashed in the middle of the debate over net neutrality rules last year. Pai claimed it was attacked by hackers who deliberately overloaded the servers (a DDoS attack). He doubled down on his claim by saying that the FCC was the victim of a similar attack the last time net neutrality was considered in 2014. And, Pai claimed, the FCC covered it up.

Supporters of net neutrality rules, which Pai opposes, say the FCC is not coming clean about the real reason behind the crash. They argue it was likely a flood of comments supporting net neutrality, or even a simply technical glitch, that brought down the FCC system.

Earlier this week, former FCC Chairman Tom Wheeler said Pai’s statements about 2014 FCC site outage were false, Ars Technica reported. No attack was officially reported and there’s a good reason for that, according to Wheeler.

“FCC officials who were there at the time said it didn’t happen,” Wheeler said during a taping of the C-SPAN show, The Communicators, according to Axios. He added, “The independent IT contractors that were hired said it didn’t happen. So if it didn’t happen, it’s hard to have a coverup for something that didn’t happen.”

Adding fuel to the fire was a report from Gizmodo on Tuesday that internal emails confirmed that the FCC did not tell the truth about any alleged DDoS attack. The emails show that FCC officials made false claims of an attack to explain the problems with the comment system.

Since Wheeler’s allegation on Wednesday, the FCC has refused to take questions from reporters, and has prevented the release of records related to the issue through FOIA requests, citing the Trade Secrets Act.

Fortune

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Trump is doing the people’s business

Last week Brooklyn-born billionaire barista Howard Schultz hung up his apron and stepped away as executive chairman of Starbucks to contemplate a potential presidential run in 2020. I think it’s very clear from his statements that America needs more “dignity” out of Washington that he is indeed serious about a run. The problem is, President…
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Trump torpedoes G7 effort to ease trade spat, threatens auto tariffs

LA MALBAIE, Quebec (Reuters) – U.S. President Donald Trump on Saturday threw the G7’s efforts to show a united front into disarray after he became angry with Canadian Prime Minister Justin Trudeau, and said he might double down on import tariffs by hitting the sensitive auto industry.


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The West is in crisis, despite Trump’s glowing assessment

President Donald Trump said Saturday that his relationships with other Western leaders are perfect, but the truth is the transatlantic alliance has never been so split.


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Save On Pet Guinea Pig Supplies With DIY Know-How and Smart Shopping


I’ve had two guinea pigs, Chocolate and Vanilla, for almost five years, and they make wonderful pets. They’re low- maintenance and cute as anything.

But like any pet, a guinea pig has needs that can dent your bank account. Through trial and error, I figured out what to buy and what to skip.

Habitat

The first thing you need when you adopt a guinea pig is a cage. But not all small pet cages are suited for guinea pigs. Guinea pigs cannot live in a wire-bottom cage like rabbits can. They must have some kind of flooring to protect their feet, which are small and sensitive.

I found the cages at pet stores woefully lacking. They were too expensive and too small. The Humane Society of the United States recommends housing a maximum of two guinea pigs in a cage that’s at least 7.5 square feet. Most cages advertised for guinea pigs are much smaller.

I purchased an uncovered MidWest guinea pig cage for about $ 35 on Amazon. Not only was it cheaper than pet-store cages, it was roomy enough for my two guinea pigs to claim their own territory and get some exercise. (Males, especially, need room to avoid each other when they’re grouchy.)

Lots of guinea pig owners prefer to build their own cage. The supplies are available at most big-box and office-supply stores and allow owners to customize their cages at a low cost. Alexandria’s Animals on YouTube has a video on how to build a C & C (cubes and corrugated plastic) cage.

Bedding

Bedding is where I spend most of my guinea-pig dollars because we clean our cage at least once a week.

The easiest bedding option is natural paper bedding. You can buy it in pet stores, big-box stores and even some grocery stores.

However, I found that the cheapest place to get bedding is Amazon. I search for guinea-pig bedding, then I scroll through the list to see which one is the cheapest per liter. Generally, I can get a 60L package of paper bedding for approximately $ 15. Sometimes I score one on sale for about $ 13. One package of bedding lasts almost a week in our house.

The trick is not to become loyal to a particular kind. I’ve even ordered confetti-colored paper bedding because it was the cheapest choice.

An even cheaper option, in the long run, is to use fleece. Lots of guinea-pig owners prefer to use fleece to line their cages because it’s reusable and they feel it’s more comfortable for their guinea pigs.

However, you have to have the right kind of fleece, which wicks urine down to an absorbent layer underneath. Look for 100% polyester anti-pill fleece. Then prepare the fleece by washing and drying it three to five times in hot water with detergent, without fabric softener or dryer sheets. Washing the fleece over and over removes the protective barrier from the fleece and allows liquids to pass through.

Once the fleece is prepared, place it in the cage on top of an absorbent layer, like paper bedding, puppy pads or newspaper. Jessica’s Nerd Life has a YouTube video on how to prepare fleece for guinea pig cages.

I’ll be honest; I tried the fleece method and I couldn’t hack it. I didn’t like sweeping up poop and hay every day. Plus, you have to have at least two prepared fleeces: one to use and one to wash. On top of that, I couldn’t get it to work properly. The smell was awful. I decided to stick with paper bedding.

You may be thinking that newspaper would be a cheap alternative to paper bedding, but I don’t recommend it. Newspaper tends to soak up urine, leaving your poor piggy in sopping wet, smelly bedding after only a day.

Please do not use pine or cedar shavings for guinea-pig bedding. Although it’s still sold in stores, the oil and resin can be harmful to small pets. The aromatic oils from pine and cedar can irritate a guinea pig’s skin, eyes and respiratory tract.

Food

guinea pig eating a carrot
Vanilla chowing down on a carrot. Photo courtesy of Nancy Basile.

Guinea pigs need hay, preferably Timothy hay. Not only do they get nutrition from hay, it keeps their teeth from growing too long. Guinea pigs, like rabbits, have teeth that will continue to grow to unhealthy lengths if they don’t have something hard to chew on. Hay takes a lot of chewing.

Guinea pigs also need pellet food, preferably made from Timothy hay. Pellets that have alfalfa hay as a base are high in calcium, which may lead to bladder stones.

I buy pellet food and Timothy hay from Amazon. Again, I’m not loyal to a brand, so I’m able to buy the cheapest options. I generally buy a five-pound bag of Kaytee pellet food for about $ 6. It lasts for several months.

Don’t be tempted to buy guinea-pig pellet food with extras — those colorful nuggets of non-nutritious food that’s added to the pellets. According to VetBabble, it’s like adding candy to their healthy food.

Guinea pigs must also have fresh produce. They can’t produce vitamin C, so they need to get it from their food. I feed our guinea pigs carrots, kale and, for a treat, strawberries. I occasionally give them a bit of apple.

The good news is that they’re not super picky. Check your grocery store for a produce clearance section. My store has a shelf with bruised, broken and spotted fruit and vegetables that I can buy at about a third of the full price. My little guys don’t care if their carrots are starting to brown. (But I would never feed them rotten food.)

Chews

As mentioned above, guinea pigs need to chew on stuff to keep their teeth a healthy length. Stores sell all kinds of wooden blocks and hay cubes, but they’re expensive and unnecessary.

Guinea pigs can chew on cardboard, which is probably as plentiful in your house as it is in mine. Remember all my Amazon orders? I use the boxes to build “additions” to my guinea pigs’ cage. They usually chew on the cardboard flaps.

You can also give your guinea pig a paper towel or toilet-paper tube to chew on. Try shoving lettuce or other foods inside to give your guinea pig a boredom buster.

What Not to Buy

There are a lot of products out there for guinea pigs that are a waste of money. Here are things you don’t need to buy.

Litter. Guinea pigs are nearly impossible to litter train. Don’t bother.

Toys. Guinea pigs don’t play with toys. They’re happy with a cardboard box or tube. You can also create tunnels and mazes from cardboard to give them some exercise and fun.

Clear, plastic balls. Guinea pigs are not hamsters. They will not run around the house in a big, clear ball. They will just sit and wonder what’s happening.

Fancy houses. Guinea pigs like to have a cover over their heads, but they don’t need anything fancy. A plastic igloo or cardboard box works just fine.

Pillows. You might see videos of guinea pigs sleeping with their heads on pillows. It’s super cute, so I bought two on Etsy. My guinea pigs completely ignore them.

Nancy Basile is a freelance writer who didn’t expect to fall in love with her two guinea pigs, Chocolate and Vanilla. Follow her on Instagram @mediamedusa.

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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What in the world is growth hacking, and why you should learn how to do it

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Digital marketers have their work cut out for them these days. With the onslaught of content flowing in and out of everyone’s news feeds, it has become increasingly hard to capture the attention of users. Marketers need to find a way to make their content stand out amongst earth-shattering TV cancellation (and resurrection) news, royal wedding updates, and adorable puppy videos. And they need to do it fast.

They’re expected to explore non-traditional marketing methods and pin down surefire tactics to grow their user base at exponential rates. This is the essence of growth hacking. It revolves around coming up with a sustainable marketing game plan that looks drastically different than traditional marketing. Read more…

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UPDATE 2-Probe finds PG&E power lines sparked deadly 2017 California wildfires

LOS ANGELES, June 8 (Reuters) – A dozen of the wind-driven
blazes that swept northern California’s wine country last fall,
killing 46 people in the deadliest firestorm in state history,
were sparked by PG&E-owned power lines, state officials said on
Friday.


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Economic growth for second quarter is on track to double 2017’s full-year pace

In its most recent forecast, the Atlanta Fed said the three-month period is tracking at a 4.6 percent gain.
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New indictment filed against Manafort names ally with Russian intel ties

Prosecutors have filed a new indictment against former Trump campaign chairman Paul Manfort that also names Konstantin Kilimnik as a defendant, a close business colleague of Manafort’s who prosecutors have said has close ties to Russian intelligence.


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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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Got Busted Running a Rogue Lemonade Stand? Country Time’s Got Your Back


It’s a tale that’s more than a century old.

Kids want to earn some extra cash — to buy whatever it is kids buy these days (are yo-yos still cool?) — so they decide to sling some lemonade on their street.

They hit up their parents for supplies, whether it’s fresh lemons or that powdery stuff we all know and love, and slave away to make the best lemonade their cul-de-sac has ever seen.

If they’re serious lemonade sellers, they might have a fancy set-up, or they could be like 8-year-old me and drag the living room coffee table out to the sidewalk.

They go through all of this trouble, with dreams of dollar bills dancing through their heads, only to be shut down by The Man.

That’s right, kids across the country are getting hit with cease-and-desist orders and slapped with fines for running lemonade stands without proper permits.

In 2015, authorities closed down two sisters in Texas for selling lemonade without a peddler’s permit. Three girls in Georgia had their lemonade dreams squashed because they didn’t have a business license, peddler’s permit or a food permit. Yikes.

Country Time Lemonade is sick of it and ready to fight the good fight.

Country Time Takes a Stand

The popular lemonade brand known for its powdered mixes is standing up for budding entrepreneurs everywhere by offering “Legal-Ade.”

If city officials shut down or fine a lemonade stand this summer, Country Time Lemonade will provide the operators reimbursement of up to $ 300.

Not only will the company cover the costs of any fines incurred from 2017 through this summer, it will also reimburse lemon-preneurs who apply for proper permits before setting up shop.

To apply for reimbursement, a parent or legal guardian can head over to Country Time’s Legal-Ade website. Just upload a photo of the fine or permit and have the kiddos describe what their lemonade stand means to them.  

The site says that payments will be made throughout the summer, until hitting the limit of $ 60,000.

But that’s not all: Country Time posted a video on Twitter that vows to donate $ 1 for every retweet — up to $ 500,000 — to offer Legal-Ade to kids next summer and beyond.

Lemonade stands are not only a great way for kids to earn extra cash but also a learning experience. They can teach math, customer service, supply-and-demand and, our favorite, how to handle money.

So don’t let the fear of fines or a visit from the local police deter you or your kids from taking on this venture.

I think Country Time said it best on its site: “Life doesn’t always give you lemons, but when it does, you should be able to make and share lemonade with the neighborhood without legal implications.”

Kaitlyn Blount is a staff writer at The Penny Hoarder. Her mom hated it when she took the coffee table on the sidewalk.

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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Thousands of revellers try to navigate their hand-made rafts in…

Thousands of revellers try to navigate their hand-made rafts in the port
of the northen Spanish Basque city of San Sebastian during the
“Abordaje” (boarding) festive event, called by “Donostiako Piratak”
(Pirates of San Sebastian), on August 12, 2017. The “Abordaje” is an
alternative event celebrated during the San Sebastian’s Great Week
Festival, that runs from August 12 to 19.
GARI GARAIALDE / AFP

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Trump administration tells court it won’t defend key provisions of the Affordable Care Act

The Trump administration won’t defend central provisions of the Affordable Care Act, saying in a legal filing Thursday night that key provisions of the Affordable Care Act should be invalidated and that the individual mandate is unconstitutional.


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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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Help Wanted: Facebook Needs People for ‘News Credibility’

Facebook has famously had a problem with fake news. Now it’s looking for people to help it do better.

For the past couple of weeks, the social media company has been looking for at least two people (one fluent in Spanish) to help it with its “News Credibility Program.” The job postings, first reported by Business Insider, are looking for detail-oriented, self-starting contractors who “should be comfortable performing repetitive tasks.”

Similarly worded job postings also appear on LinkedIn, posted by a staffing company on behalf of an unnamed Menlo Park company. (The LinkedIn URLs include the phrase “world’s largest social network,” which is kind of a tipoff it’s Facebook.) Those posts mention that “you’ll be tasked with developing a deep expertise in News Credibility Program and evaluating news publishers for policy compliance.”

It’s not clear whether the News Credibility Specialists will work with a program that Facebook announced in January, in which Facebook users rank news sources that they see as the most credible and trustworthy. Or if, as Business Insider suggested, Facebook is backing away from CEO Mark Zuckerberg’s statements that the company wouldn’t be in the business of judging which news is trustworthy.

Either way, if you’ve ever grown weary of fake news and wanted to do something about it, here’s your chance.

Facebook didn’t return a call seeking comment.

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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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Bill Gates Loves This Book So Much That He’s Giving It Away to 2018 Grads


The world probably isn’t as bad as you think it is — and that’s exactly what Bill Gates wants you to understand.

That’s why Gates, the billionaire founder of Microsoft, is giving away a copy of Hans Rosling’s book, “Factfulness: Ten Reasons We’re Wrong About the World — and Why Things Are Better Than You Think,” for free to every spring 2018 college graduate.

The World Is a Better Place than You May Think

Gates has talked about his love of reading on multiple occasions. In fact, he even has a section devoted to his favorite reads on his blog.

A few months ago while answering questions on an Ask Me Anything thread on Reddit, Gates explained that while he loves to read, he doesn’t always have as much time to devote to the hobby as he’d like. However, when asked about the best book he’s read in 2018, Gates did have a couple of favorites to note.

“There are two amazing books,” Gates wrote in his reply. “They are both very readable and explain that the world is getting better.”

One of the books was “Enlightenment Now: The Case for Reason, Science, Humanism, and Progress” by Harvard psychologist Steven Pinker. The other was Rosling’s “Factfulness.”

Factfulness

The book wasn’t scheduled to be released until April 3, but Gates got ahold of an early copy.

Rosling, a Swedish statistician and doctor who was known for his TED Talks died last year of pancreatic cancer. In January of 2017, he described “Factfulness” as “my last battle in my lifelong mission to fight devastating ignorance.”

According to Gapminder, Rosling’s foundation, “Factfulness” is the “stress-reducing habit of only carrying opinions for which you have strong supporting facts.” The book offers an explanation for why our society is so insistent on presenting incorrect “facts” as truth and looks at the 10 instincts that distort our perspective on the world — including how we view progress, the way we consume media and our tendency to view the world with an “us vs. them” mentality.

On his blog, Gates posted a quote from the book, adding that he hopes students take Rosling’s advice to heart and earn to think and act “factfully.”

Then, he offered 2018 grads a gift.

How to Get Bill Gates’ Top Pick for Grads for Free

“If you’re getting a degree from a U.S. college this spring, I have a present for you,” Gates wrote on June 5.

(Spoiler alert: It’s a book.)

The book, Gates says, is “packed with advice about how to see the world clearly.”

“Although I think everyone should read it,” he continues, “it has especially useful insights for anyone who’s making the leap out of college and into the next phase of life.”

And that’s why, he explains, he’s gifting a copy to every person who’s receiving (or has received) a degree from a U.S. college or university in spring 2018.

If you are a spring 2018 recipient of an associate’s, bachelor’s or post-graduate degree, you can head to Gates’ site to download your free copy of the e-book.

(Because of international publishing rights, however, only students in the U.S. can receive the free e-book download.)

To get your copy, you’ll have to create a “Gates Notes” account using your Twitter, Facebook or email address. Then, you’ll put in your school’s name and hit the download e-book button.

Once your status as a 2018 graduate is confirmed, you’ll receive a downloadable copy of the e-book.

Then you can get to reading and start seeing the good in the world again. We promise, it’s not as scary out here as it seems.

Congrats, grad!

Grace Schweizer 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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Asian shares seen slipping as risk sentiment sours, euro buoyant

SYDNEY (Reuters) – Asian shares are set for a soft start on Friday as global risk appetite deteriorated on worries the European Central Bank was ready to start tapering its massive stimulus, although trade was expected to be cautious ahead of big diplomatic meetings.


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Walmart sues to block former exec from joining Amazon

WILMINGTON, Del. — Walmart has asked a court to block a former top tax executive from joining Amazon, saying the move would violate a non-compete agreement and “irreparably harm” Walmart’s business by potentially tipping off its rival to strategic plans including potential merger targets. Lisa Wadlin told Walmart in January she was considering resigning as…
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Trump flips US foreign policy upside down

It’s tough to be America’s friend right now — but life is good for US adversaries.


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Congressional Dems take Trump to court over foreign favors

WASHINGTON (AP) — Lawyers representing nearly 200 Democrats in Congress plan to argue in federal court Thursday that President Donald Trump is violating the Constitution by accepting foreign state favors without first seeking congressional approval.
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How to create a website without knowing a thing about coding

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What do Jeff Bezos, Mark Zuckerberg, and Arianna Huffington all have in common? They all started their multi-billion dollar empires with a simple website.

If you want to achieve even a quarter of their success, you should create one for yourself, too. It doesn’t even matter if you don’t have a business yet. You can use it as a digital business card for the time being, because in this tech-driven world, a website is a way of saying, “Hi, I exist!”

You don’t need coding skills to create a professional-looking website. A service like the Dragify WordPress Builder and Hosting Bundle will take care of the technicalities for you. This two-product bundle features an intuitive website editor that allows you to choose from over 200 pre-designed blocks, which you can then drag, drop, and edit according to your liking. The package also includes hosting with enterprise-grade security, so your website will be protected from hackers. Read more…

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Good News: Free Pizza. Bad News: It Requires a Trip to Chuck E. Cheese


I was allowed to have two birthday parties growing up.

And by two parties I mean, one when I turned 5 and one when I turned 16.

I vividly remember my fifth birthday party being at Chuck E. Cheese.

The intriguingly creepy animatronic rat, or Charles Entertainment Cheese, as I’m sure he prefers to be called, captivated a generation.

Now as I fondly remember playing Skee-Ball, whack-a-mole and fearing for my life in the ball pit, I wonder: What was that purple thing playing the keyboard in the band?

Really, what is he?

But to more pressing matters: free pizza.

You can get a free personal one-topping pizza on your next visit when you sign up for Chuck E. Cheese’s More Cheese Rewards program.

In addition to free pizza, you’ll get a $ 10 reward for every three visits when you spend over $ 20 and unspecified treats on your birthday and half-birthday.

Everyone forgets the half-birthday.

And after all that, if you can’t make it to the arcade restaurant, you can now get the pizza — and a goody bag — delivered to your door.

Jen Smith is a staff writer at The Penny Hoarder. She gives tips for saving money and paying off debt on Instagram at @savingwithspunk.

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 invokes War of 1812 in testy call with Trudeau over tariffs

President Donald Trump and Canadian Prime Minister Justin Trudeau had a testy phone call on May 25 over new tariffs imposed by the Trump administration targeting steel and aluminum imports coming from Canada, including one moment during the conversation in which Trump made an erroneous historical reference, sources familiar with the discussion 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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Companies have no choice now but to raise wages

Karen Firestone, chairman and CEO, Aureus Asset Management, looks at why wages have been stagnant the last few years and why that's about to change.
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This Discount Attractions Pass Could Save You Money on Your Next Vacation


Everybody loves a good travel deal.

Some bargains are obvious, like comparing airline ticket prices to see which is lowest.

Other deals take a little investigating to figure out whether they’re a bargain.

Discount travel package company CityPASS bundles admission fees to several popular tourist attractions in a city for a single, lower price.

The passes are currently available in 13 North American cities:

  • Atlanta, Georgia
  • Boston, Massachusetts  
  • Chicago, Illinois
  • Dallas, Texas
  • Denver, Colorado
  • Houston, Texas
  • New York, New York
  • Philadelphia, Pennsylvania
  • San Francisco, California
  • Seattle, Washington
  • Southern California
  • Tampa, Florida
  • Toronto, Canada

Travelers purchase a CityPASS filled with admission vouchers to each attraction. Simply show the pass at the attraction’s entrance for admittance.

CityPASSes are valid for nine consecutive days (14 days in California) beginning with the first day of use and don’t expire for at least one year from the date of purchase.

But are CityPASSes a bargain, or is it cheaper to buy tickets to attractions individually?

We crunched some numbers to find out.

Note: All prices are current as of April 2018 but are subject to change.

What You Get With a CityPASS

Empire State Building is pictured against a pretty sky.
The New York City CityPASS will get you into the Empire State building and several other destinations. ventdusud/Getty Images

Each destination’s booklet contains admission tickets to some of the most popular tourist attractions in the area. In some cities, you can choose one attraction over another to suit your taste.               

For instance, the New York City CityPASS includes tickets to:

  • The Empire State Building
  • The Metropolitan Museum of Art
  • The American Museum of Natural History

You can also choose tickets for:

  • The Statue of Liberty and Ellis Island or Circle Line Sightseeing Cruises
  • The 9/11 Memorial & Museum or the Intrepid Sea, Air & Space Museum
  • The Top of the Rock Observation Deck or the Guggenheim Museum

No matter which combination of admission tickets you choose, at the end of your trip you’ll have visited six popular New York City attractions for a single price.

Does CityPASS Save You Money?

To decide whether a CityPASS is a good value, you need to compare it to the cost of buying individual attraction tickets.

Here are comparisons for three CityPASS destinations, rounded to the nearest dollar.

Chicago

Adler Planetarium is one of seven attractions available on The Chicago CityPASS. benkrut/Getty Images

A Chicago CityPASS includes admission to five of these seven attractions:

  • Shedd Aquarium Priority Entry (Including 4D Experience): $ 45 (adults) and $ 35 (children)
  • Skydeck Chicago Fast Pass: $ 49 (ages 3+)
  • The Field Museum All-Access Entry: $ 38 (adults) and $ 27 (children)
  • Museum of Science and Industry: $ 20 (adults) and $ 11 (children) when purchased online
    • Or 360 CHICAGO Observation Deck Express Entry: $ 44 (adult & child)
  • Adler Planetarium Anytime All Access Pass:  $ 35 (adults) and $ 30 (children)
    • Art Institute of Chicago Fast Pass $ 35 (adults) and $ 29 (ages 14-17). (Younger Children Are Free.)

Total ticket price for admission to Shedd Aquarium, Skydeck Chicago, The Field Museum,       Museum of Science and Industry and Adler Planetarium:

  • Adult: $ 187
  • Child: $ 152

Total ticket price for admission to Shedd Aquarium, Skydeck Chicago, The Field Museum,         360 CHICAGO Observation Deck and Art Institute of Chicago:

  • Adult: $ 211
  • Child: $ 184

Total price of a Chicago CityPASS:

  • Adult: $ 106
  • Child (3-11): $ 89

Southern California

The Southern California CityPASS includes admission to Disneyland. FrozenShutter/Getty Images

A Southern California CityPASS includes admission to these three attractions:

  • Disneyland & Disney California Adventure 3-day park hopper with Magic Morning: $ 330 (adults) and $ 314 (children)
  • SeaWorld San Diego: $ 70 (3+)
  • LEGOLAND California: Starts at $ 95 (adults) and $ 89 (children) when purchased online

Total ticket price for admission to Disneyland & Disney California Adventure, SeaWorld San Diego and LEGOLAND California:

  • Adult: $ 495
  • Child: $ 473

Total price of a Southern California CityPASS:

  • Adult: $ 367
  • Child (3-9): $ 337

Tampa

A woman explores the Florida Aquarium
Tampa CityPASS holders can visit the Florida Aquarium and four additional attractions. Sharon Steinmann/The Penny Hoarder

A Tampa CityPASS includes admission to five of these six attractions:

  • Busch Gardens: $ 90 (ages 3 and older)
  • Florida Aquarium: $ 29 (adults) and $ 24 (children)
  • ZooTampa at Lowry Park: $ 35 (adults) and $ 26 (children)
  • Clearwater Marine Aquarium: $ 23 (adults) and $ 18 (children)
  • Museum of Science and Industry: $ 13 (adults) and $ 8 (children) OR
    • Chihuly Collection: $ 20 (adults) and $ 13 (children)

Total ticket price for admission to Busch Gardens, Florida Aquarium, ZooTampa at Lowry Park, Clearwater Aquarium and Museum of Science and Industry:

  • Adult: $ 190
  • Child: $ 166

Total ticket price for admission to Busch Gardens, Florida Aquarium, ZooTampa at Lowry Park, Clearwater Aquarium and Chihuly Collection:

  • Adult: $ 197
  • Child: $ 171

Total price of a Tampa CityPASS:

  • Adult: $ 107
  • Child (3-9): $ 97

The Pros and Cons of CityPASS

In every instance, CityPASS provided a better value than purchasing each ticket individually.

However, there are other things to consider about CityPASSes than just whether they cost less than buying individual attraction tickets. Here are some pros and cons to keep in mind.

Pros:

There are definitely some upsides to buying a CityPASS.

  • Fixed costs help you stay within your budget.
  • A CityPASS allows you to skip the lines at many attractions.
  • Planning is easier because you already know what you’ll see and do on your trip.
  • A CityPASS is good for several days, giving you the freedom to change plans on the fly.
  • There’s only one ticket booklet to keep track of instead of several loose individual tickets.

Cons:

But there are also some downsides to buying a CityPASS.

  • Once you buy a CityPASS, you’ll waste money if you don’t visit the attractions as planned.
  • You may miss opportunities to spend time at other tourist draws, including free attractions like beaches or parks.
  • You may rush from attraction to attraction to get the most value for your money.
  • CityPASSes are nontransferable, so you lose your money if your travel plans change.
  • Prearranged commitments to certain attractions may take the spontaneity and fun out of travel.

CityPASSes can be a great deal for travelers who know exactly what they want to do on their trip, but others may find that type of commitment stifling.

Whether CityPASS is a good value on your next trip depends on your destination and how many attractions you want to visit. To find out if it’s right for you, roll up your sleeves, pull out a calculator and get ready to do some math if you choose one of the locations where we haven’t crunched the numbers.

Lisa McGreevy is a staff writer at The Penny Hoarder. She enjoys telling readers about affordable ways to travel, so look her up on Twitter (@lisah) if you’ve got a tip to share.

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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George H.W. Bush discharged from hospital after being treated for low blood pressure

Former President George H.W. Bush has been discharged from a Maine hospital after being admitted due to low blood pressure about a week ago, his spokesman said on Monday.


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Survey: These cities are home to the most ‘Bridezillas’

If you’ve ever gotten married or been involved in a big wedding, you know all about the nerves, jitters and general uptight-ness that can consume the bridal party and their families in the months and weeks leading up to the big day.

The term “Bridezilla” was coined to describe a too-be-married woman who gets a little too caught up (some might say obsessed) with making her big day perfect. According to a new survey, they are legion — and they may actually be thriving in the city where you live or one near you.

The survey, conducted by the WE TV network (conveniently home to a reality TV show called Bridezillas), revealed the top 15 media markets where Bridezilla behaviors are most prominent.

These cities have the highest concentration of ‘Bridezillas’

According to a WE TV blog post on the findings, the term “Bridezilla” is about empowerment and taking control of your wedding. So, if you happen to know a bride (or groom) who fits the bill, hopefully they’ll say “I do” to your assessment.

Here are the top 15 “Bridezilla” cities, according to WE TV.

  1. New York City
  2. San Francisco
  3. Detroit
  4. Houston
  5. Tampa
  6. Minneapolis
  7. Philadelphia
  8. Seattle
  9. Dallas
  10. Los Angeles
  11. Atlanta
  12. Chicago
  13. Boston
  14. Washington, D.C.
  15. Phoenix

Money expert Clark Howard’s daughter recently tied the knot herself and — far from a Bridezilla — here’s how she saved a ton of $ $ $ on her wedding.

RELATED: Clark’s guide to saving money on your wedding

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Kodak Teases Test Photos on New Ektachrome Film

Kodak has shared a few test photos of their upcoming, yet previously discontinued, Ektachrome film. The iconic photography company discontinued Ektachorme more than five years ago due to plunging sales and to the rise of digital. The other beloved color reversal film, Kodachrome, was discontinued in 2010.

The resurgence in popularity gave Kodak a reason to bring it back. The film, which launched in the 1940s, is known for its “extremely fine grain, clean colors, great tones and contrasts.” Kodak says it became iconic due to the “extensive use of slide film by the National Geographic Magazine over several decades.”

“Sales of professional photographic films have been steadily rising over the last few years,” said Kodak Alaris in a news release. “Professionals and enthusiasts rediscovering the artistic control offered by manual processes and the creative satisfaction of a physical end product.”

In an Instagram post, Kodak says they used their “pilot-scale equipment” to shoot these photos.

Instagram Photo

Kodak announced in January last year they would bring back Ektachrome 100 film in 2018.

So far, Kodak hasn’t given a specific date for the market release. “Our development team is still working hard on an update,” Kodak said in the Instagram post.

Kodak explains that the process is very complex. “Color reversal film is quite complicated as its recipe is concerned,” says Diane Carroll-Yacoby, Kodak’s worldwide portfolio manager for motion picture films.

The process has “over 80 ingredients,” and many of the ingredients are no longer able to be purchased.

“It’s very unique and quite different than a black-and-white film or a color negative film,” Carroll-Yacoby says. “We’re in the process right now of procuring the components that are needed for this special film and in addition to that we are setting up a color reversal processing capability again, which we have to have in order to test the film as we manufacture it.”

She adds: “It is a complicated project for us to bring it back but because our customers are telling us that they want it, we’re very excited to do this again. It’s kind of a really special time for us.”

Ektachrome is produced at its film factory in Rochester, N.Y., and will be available in the 35mm format. A production-scale test will take place in a couple of weeks.

See Fortune’s history with Kodachrome here.

 

Fortune

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Knowing This Secret About the ACT and SAT Can Save You Money and Stress


If you’ve taken the SAT or ACT before, you know the insta-anxiety induced by the essay portion that comes at the end of the test — and if you haven’t, you’re probably not looking forward to it.

But there’s good news for anyone who’s absolutely dreading test day for that very reason: It will probably be fine if you don’t even sign up for the essay portion, (which will save you money, too).

The Essay Portion of the SAT Doesn’t Really Matter

It’s true.

Most colleges and universities don’t care about your score on the essay portion of the SAT and ACT — or whether you’ve even taken that part of the test at all.

Last week, Yale University notified counselors who work with high school students that it will no longer require applicants to have completed the SAT or ACT essay sections.

Yale is the most recent university to make this decision.

Cornell and Columbia universities and the University of Pennsylvania also have said they will no longer rely on the essay portion of these standardized tests, either.

A few months ago, Harvard University announced the same decision, saying that while writing is still an incredibly important skill when it comes to considerations for college admissions, the SAT essay is a poor representation of an applicant’s mastery of the craft. The school will instead turn to an applicant’s admissions essay.

But it’s not just the Ivy Leaguers who don’t want to bother with your SAT or ACT essay score. The University of San Diego recently announced the same, and schools including the University of Florida and the University of Tennessee consider the essay portion of these tests optional.

The Princeton Review, which offers test prep, admissions advice and tutoring services, notes that “While over 70 percent of students taking the SAT and more than 50 percent taking the ACT opt in to the essay, not even 2 percent of colleges require an essay score.”

Save Money, Skip the Essay Portion of the SAT and ACT

The Princeton Review in June 2018 identified just 25 institutions that require scores from the essay portion of the SAT or ACT.

If your school of choice isn’t on that list, you’re probably safe to skip it.

And while you didn’t think the news could get any better than getting out of a 45- to 50-minute stretch of writing an essay by hand, the bonus is that you’ll actually save money, too.

For the 2018-2019 year, the fee to take the SAT with the essay portion is $ 64.50. The fee to take the SAT without the essay portion is $ 47.50.

The fee to take the ACT with the essay writing portion is $ 62.50, while the fee to take the ACT without the essay writing portion is $ 46.00. (If you’ve already signed up to take the ACT with the essay portion, you may be able to get a refund with a written request.)

Unfortunately, if your school of choice is on the list of schools that still require and care about a standardized test essay score, you’ll still want to sign up to take the essay portion of those tests.

Grace Schweizer 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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Supreme Court rules for Colorado baker in same-sex wedding cake case

The Supreme Court ruled narrowly in favor of a Colorado baker who refused to bake a cake to celebrate the marriage of a same sex couple because of a religious objections.


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Carvel, New York brewery team to create ‘Fudgie the Beer’

ELMSFORD, N.Y. — A brewing company in New York has teamed with Carvel to create “Fudgie the Whale” cake-themed beer. The stout beer is brewed with the ice cream cake maker’s signature chocolate and fudge and is 6 percent alcohol by volume. Captain Lawrence Brewing Company says the beer pairs well with smoked foods, and…
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How banks and finance firms are using AI to better engage with and understand you

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Against a global backdrop of emerging technologies and ever-changing relationships between businesses and consumers, one thing is clear: leaders in the finance and banking industries will increasingly look to artificial intelligence to understand and engage with their customers in new ways. 

According to a 2017 Forrester report, the widening gap between financial firms that embrace digital growth and business transformation powered by technology and those institutions that continue to do business in traditional ways will continue to widen. 

SEE ALSO: How this AI platform is taking over the business world Read more…

More about Business, Supported, Finance, Artificial Intelligence, and Banks


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UPDATE 4-Starbucks exec Schultz to step aside, mulling ‘range of options’

LOS ANGELES/NEW YORK, June 4 (Reuters) – Starbucks Corp
Executive Chairman Howard Schultz is stepping away from
the coffee chain he built into a global powerhouse, putting
management firmly into the hands of Chief Executive Kevin
Johnson, who had an office connected to the co-founder’s and
regularly turned to Schultz in times of crisis.


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Trump: ‘I have the absolute right to pardon myself’


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This Remote Proposal Writer Job With Freckle Education Pays $20/Hr


Interested in a work-from-home job in education that doesn’t require teaching?

Freckle Education is currently looking for a work-from-home proposal writer to join its business operations team.

The education company provides platforms for K-12 teachers that help them better instruct at varying levels without having to create multiple lessons for each day.

This is a part-time gig that pays $ 20 per hour.

The remote proposal writer will be responsible for finding and responding to requests for proposals (RFPs) that are applicable to Freckle Education.

Applicants should have strong writing skills, the ability to get work done independently and some familiarity with the education field.

If this job doesn’t really pique your interest, no worries. Check out our Jobs page on Facebook; we’re always posting new work-from-home opportunities there.

Remote Proposal Writer at Freckle Education

Pay: $ 20 per hour

Responsibilities include:

  • Monitoring and tracking RFPs
  • Developing and revising content for proposals
  • Designing, formatting, editing and proofreading all proposals
  • Understanding and developing current education initiatives at Freckle

Applicants for this position must have:

  • A bachelor’s degree in writing or a related field, or equivalent experience
  • Familiarity with the education field
  • Strong writing and editing skills
  • Superior  time management skills
  • Ability to work and meet goals independently

Benefits include:

  • Annual $ 1,000 stipend for professional development and learning

Apply here for the work-from-home Proposal Writer job at Freckle Education.

Kaitlyn Blount 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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American companies in China don’t care about the trade deficit — they want equal market access

Among G20 countries, China remains the most restrictive in terms of openness to direct investment.
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Giuliani says Trump shouldn’t testify because ‘our recollection keep changing’

President Donald Trump’s lawyer, Rudy Giuliani, said Sunday that the President should not testify before special counsel Robert Mueller because “our recollection keeps changing.”


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Find the Cheap (and Good) Restaurants By Using This Search Technique


I spent my first two days in Antigua, Guatemala, walking the cobblestone streets, taking in the old ruins and majestic Spanish colonial architecture. Finding my way through this new-to-me-place with my boyfriend, David, was the fun part.

What wasn’t fun: discovering that this city was significantly pricier than we anticipated.

We’d been in Antigua for less than 36 hours when the reality hit. Tired and hungry from a day of exploring our new surroundings, we wandered a few blocks away from our Airbnb to a pizza restaurant on the outskirts of the city center.

Dinner was good, but kind of basic. We shared a large cheese pizza and a house salad. I enjoyed a glass of red wine. Then the check arrived. Our meal came to $ 40.

What?!

We scanned the bill for errors, but aside from a 10% tip that was automatically included (pretty common here), nothing else was unexpected. Back in Chicago, the equivalent meal at Pequod’s Pizza, one of my favorite sit-down Chicago pizza spots, would have cost about $ 30.

Over the next few days, several experiences reinforced that Antigua isn’t a cheap spot. Local tour operators quoted us upward of $ 120 per person for a day hike to one of the nearby volcanoes. Weekend brunch cost us about $ 12 each.

It’s not that these prices are alarmingly high, but the research I did when planning our stay suggested that life in Antigua would cost less than what we’re accustomed to paying in Chicago.

According to major travel websites like Lonely Planet, you can “dine well and inexpensiv