Dominic Monaghan Shares The Advice He Got On His First Job, Hetty Wainthropp Investigates | PeopleTV

PeopleTV

SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

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

A Therapist’s Advice for Dealing With ‘Founders’ Depression’

As a psychotherapist and owner of a private counseling practice, Asha Tarry has counseled adults, children, and families for 18 years. With a passion for helping people of color, we caught up with Tarry to get some insight into how business owners can deal with depression—the dark side of entrepreneurship that people rarely talk about.

According to a study by Dr. Michael Freeman, a clinical professor at the University of California, San Francisco, 32% or more of entrepreneurs struggle with depression. What do you believe makes entrepreneurs even more vulnerable to mental health challenges?

Entrepreneurs are more vulnerable to mental health challenges because of the overwhelming time and resources they invest in businesses that don’t pay off initially as fast as we’d like and as much as we require to live. Some people are isolated and don’t have professional networks that they can go to for business advice or mentorship. This is due to how much everyone is working and competing to stay on top, while others are simply not available or interested in offering support for other entrepreneurs. Many of us risk our own healthy lifestyle habits such as adequate sleep and proper diet for the necessity of making money and getting exposure.

There’s a term called ‘Founders’ Depression,’ which applies to the roller coaster of emotions and pressures entrepreneurs face trying to grow a business.” Do you think there’s a way to avoid founder’s depression?

If every entrepreneur when they filed their L.L.C. were linked to an adviser, I believe that would at least minimize the stressors and some of the costs associated with making so many mishaps in the business right from the start. If there were incentives for more seasoned business owners to audit or advise newer business owners on developing effective structural systems, hiring staff, IP protection, marketing, budgeting and scaling a business I truly believe a lot fewer businesses would go into debt, owners would lose less of their stakes, and more companies would profit longer.

depression

Asha Tarry

What tips can you share for entrepreneurs dealing with Founders’ Depression?

Don’t wait until it’s too late in your business to seek counsel. Seek your local small business administration’s resources for what you need. Advance your knowledge every chance you get including outside your specialty area, that way you can have a better chance at sustaining a viable entity in a competitive free enterprising society.

Depression doesn’t discriminate but unfortunately, the stigma around mental health struggles is real especially in the black community. If you are a family member or friend of an entrepreneur, what are the signs and symptoms of depression should you look for?

Look for signs that reflect disconnections; such as avoiding any pleasurable activities, persistent irritability, isolation, not taking care of oneself—from not showering to not eating properly, to not taking care of important things like paying bills or taking care of their health.

How should someone approach a friend if they believe they are suffering from depression?

Friends and family should avoid using diagnostic terms when they express concern. If you’re not a therapist or a doctor, don’t use clinical terms to describe what you see. Say it plain. If they appear frustrated a lot, say that. If they don’t have any desire to have fun anymore, you can point that out or just ask when they last enjoyed something outside of their work. Speaking from your own perspective and not from one that is authoritative or presumptuous can be easier to engage than someone who comes across as all-knowing or as a fixer.

The post A Therapist’s Advice for Dealing With ‘Founders’ Depression’ appeared first on Black Enterprise.

Lifestyle | Black Enterprise

EMPLOYMENT SEARCH UPDATE:

The Advice Rihanna’s Grandmother Gave Her About Love | Oprah’s Next Chapter | Oprah Winfrey Network

OWN

SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

The Basics of Independent Legal Advice

Trying to use one lawyer to review all the documents for everyone involved in a legal matter (or not seeking any legal advice at all) can seem like a decent way to save money and lower expensive fees.

In truth, skipping an independent review is not good practice as it can result in you signing your agreement without fully understanding your rights and obligations. What’s more, in some situations, one lawyer is not allowed to provide advice to everyone involved.

With complex situations, like matters that result in complicated prenups or separation agreements, we sometimes lack the legal understanding required to do a review of our document ourselves to ensure it not only fits our needs but isn’t unfair.

In this post, we lightly unpack independent legal advice and explore what it is, why it is important, and how it protects us.

What is Independent Legal Advice?

Independent legal advice is when you get advice from a lawyer separate from the other people involved in the matter. Typically, a certificate of independent legal advice is signed and included with your agreement. Without independent legal advice, your document may not be enforceable in court.

For instance, let’s say you are preparing a Prenuptial Agreement. To ensure your document is valid and enforceable in the event of a dispute, your future husband or wife would get their agreement reviewed by one lawyer, and you would get yours reviewed by another.

Whether independent legal advice should be sought or not can depend on:

  • The document you are creating (certain documents, especially potentially contentious ones that have a large impact on your present and future rights and obligations, often require a higher degree of scrutiny to ensure equality is maintained in the contract)
  • Your situation (if there is a conflict of interest, joint retainer, or the attorney is acting as a mediator, independent legal advice may be needed)

How Does Independent Legal Advice Protect Me?

On the surface, independent legal advice can seem like just another fee for lawyers to charge. In reality, it is crucial to maintaining fairness in contracts.

The purpose of independent legal advice is to:

  • Provide an objective review of a legal document
  • Confirm a client understands the document properly
  • Verify a client has not been pressured into signing their document (i.e. duress or undue influence)

Finalizing Your Documents

For some documents, like a Prenuptial Agreement or a Separation Agreement, independent legal advice is an essential step to creating a valid, fair document.

It can be a pain to pay the extra cost for separate legal advice, but it is worthwhile in ensuring your legal needs are met and you have not been taken advantage of.

The post The Basics of Independent Legal Advice appeared first on LawDepot Blog.

LawDepot Blog

BEST DEAL UPDATE:

Entrepreneur and Celebrity Hairstylist of Zendaya Offers Career Advice

Chances are if you’ve ever swooned over Zendaya’s edgy and wavy chopped cut, Laverne Cox’s chic wavy tresses, or Rihanna’s iconic bob, Ursula Stephen was the visionary celebrity hairstylist behind the look. Beyond her celebrated hair work on red carpets, fashion editorial shoots, and concert stages, she’s a Unilever global haircare brand ambassador, and the owner of “Ursula Stephen The Salon” in Brooklyn, New York. And believe it or not, Stephen had her cosmetology license before she had a high school diploma. We caught up with her to get some career advice on leveling up in the industry.

Very early on you knew what you wanted to do in your career. However, did you envision this level of success? And what decisions have enabled you to succeed as a business owner and go-to hair expert?

I never thought that far ahead. Career was a really big word for me. It wasn’t until I got into cosmetology school and started working in salons that I started to see the possibilities. My teachers were very instrumental in this. They opened my eyes to stylists like John Atchinson, who reached levels I didn’t know existed. Saying “yes” is one of the top three ingredients. I always said yes, even when I was unsure of what was to come.

Can you share any traditional career advice you heard as a young adult, but are glad you didn’t follow?

I’ve never really listened to the “you’re young, you have time” advice. I believe the younger, the better. Take opportunities when they are presented to you—it shouldn’t be based on age or statistics. Once seeds are planted, they take time to grow. Find your calling early on and go hard so you can enjoy life.

You work with a lot of celebrities and major brands. What if a client is adamant about a new look but you think it’s a bad idea. How do you say no to a client?

We never say no. The client is always right. There is always a way to marry what they want with what will work, and that’s what makes me #UrsieOnHair.

 

celebrity hairstylist

(Image: Ursula Stephen)

You have an amazing portfolio, which includes your work with diverse hair textures and styles. What are some of the things you’ve done in your career to help you understand the needs of different textured hair types?

I owe that to my teachers. While in school, I was fortunate enough to learn from a diverse group of teachers and that taught me that at the core, it was all about hair. I learned to cut fine hair textures and took those skills and techniques and practiced with friends with textured hair in my mom’s basement. The rest is history.

celebrity hairstylist

Zendaya Met Gala (Image: Ursula Stephen)

What are some of your favorite celebrity hairstyling moments that you’ve recently experienced? I’m still on a high from the Met Gala. I love working with clients that I can push the bar with and that is Zendaya! Her Met Gala look was inspired by the power of Joan of Arc and opulence of Versace, who dressed her that evening. The gown looked like armor and chainmail, so we knew we needed a strong beauty look as well.

When it comes to growing your career, what do you think is the most overlooked skill you need to succeed?

People skills. You should make your clients feel comfortable and want to be around you. You can be one of the best artists, but if you don’t give off positive energy, it’ll be hard to keep the momentum going.

 

The post Entrepreneur and Celebrity Hairstylist of Zendaya Offers Career Advice appeared first on Black Enterprise.

Lifestyle | Black Enterprise

FASHION DEALS UPDATE:

Leslie Jones offers Kelly Marie Tran some advice for dealing with internet trolls

TwitterFacebook

Actress Leslie Jones is basically a pro at dealing with internet trolls. 

Back in 2016, Jones was viciously attacked on the internet in connection with the release of the Ghostbusters rebootHer website was hacked, alleged nude photos of her were leaked, and outspoken alt-righters like Milo Yiannopoulos started a hate brigade directed at the comedian. 

Two years later, she’s had some time to reflect, and has offered up some advice to Star Wars: The Last Jedi star Kelly Marie Tran in a recent interview in The Hollywood Reporter. Read more…

More about Entertainment, Leslie Jones, Trolls, Kelly Marie Tran, and Entertainment


Entertainment

BEST ENTERTAINMENT DEALS UPDATE:

Mika Brzezinski’s Advice To Recent College Graduates | NBC News

NBC News

SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

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

Donald Glover Reveals The Advice He Got From Billy Dee Williams To Play Lando In Solo | PeopleTV

PeopleTV

SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

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

She’s a Whisk-Taker: Advice From a Homebaker Who Turned Passion Into Profit


Last year, Jennifer Jacobs churned out more than 1,000 cupcakes, 2,000 macarons, 1,300 cookies and too many cakes to count.

At that production rate, you know baking isn’t just her weekend hobby or an evening stress-reliever, though that’s how it started. It’s now her business: Wandering Whisk Bakeshop.

The 30-year-old resident of St. Petersburg, Florida, earns a substantial income through her homegrown business — not enough to count as a full-time salary but definitely enough to help her buy her first home.

In addition to whisking up a storm, Jacobs also works a 9-to-5 shift as an associate producer at Home Shopping Network. After she packs up her bag for the day, she spends the next five hours filling orders.

So how did she build a full-fledged business while maintaining a full-time career and not lose her mind?

Admittedly, there were a few late-nighters where she found herself crumpled on her kitchen floor with tears in her eyes, but since striking up her business in 2014, Jacobs has pocketed a number of lessons to help propel her venture forward.

In hopes of inspiring others to turn their hobbies and passion projects into a profit, Jacobs shares her top tips for creative self-starters.

1. Learn How To Manage Your Time

Jacobs prioritizes her time so she can get a minimum of seven hours of sleep each night. Chris Zuppa/The Penny Hoarder

These days, Jacobs works her 9-to-5 job at HSN. When she gets off work, she busies herself in the kitchen until about 11 p.m. — midnight tops. Sleep is important to her, and she promises herself at least seven hours a night.

But when Jacobs first started out, she pulled a number of late-nighters.

Why? She waited until the last minute to start filling orders, which isn’t ideal when a wedding cake takes a least 15 hours from ideation to completion.

Jacobs has overcome this challenge by prioritizing — and scribbling a ton of to-do lists. In fact, her grandmother recently gave her some cute Post-it Notes, which Jacobs sticks around her kitchen.

These notes help her figure out what needs to be done tonight and what can wait. She also makes an effort to work ahead, perhaps prepping the icing or finessing a design before the baking process begins.

2. Know It Will Be Slow At First (But Use That Time Wisely)

Jacobs used her down time to build her business. Chris Zuppa/The Penny Hoarder

Jacobs’ business didn’t take off overnight. She’s been doing this for more than three years, and, while she’s constantly busy now, that wasn’t always the case.

“Don’t expect you’re going to announce you’ve started a business and that people are going to flock,” Jacobs warns.

The key is to be realistic and to remain patient. She laughs now at the idea of free time and encourages those who are just starting out to enjoy it.

Jacobs urges fledglings to use this extra time to hone their skills — to take classes, read books and learn new techniques.

Once business ramps up, you’ll be longing for that free time, she says.

3. When Business Booms, Learn to Say No

A detail of a cake is pictured.
Jacobs takes orders that fit her brand and that she enjoys filling. Chris Zuppa/The Penny Hoarder

In early 2017, Jacobs had one of those moments that landed her in tears on the kitchen floor. She’d taken on too many orders to manage.

Since that night, she’s been careful not to repeat her mistake.

Through trial and error, she’s learned what’s doable. It’s taken time, she admits, but now she says “no” to orders she simply can’t fit into her schedule.

Jacobs also doesn’t hesitate to turn down orders that aren’t in her wheelhouse. For example, if someone requests a giant fondant-covered dinosaur for a children’s birthday party, she knows that’s not something she specializes in — or even enjoys. She resolves the issue by referring the customer to another local baker.

“You have to do what you enjoy,” Jacobs emphasizes. Otherwise, it could lead to burnout, which leads to her next tip…

4. Don’t Let Your Business Consume You

A woman poses in front of the New York City
Jacobs poses during a visit to New York City. Photo courtesy of Jennifer Jacobs

Living and breathing sweets sounds like a dream to most of us, but Jacobs has to be careful not to exhaust herself.

“It becomes your every thought,” she says of baking. “I mean, I wake up, and I think about cake. I go to bed, and I think about it. I’m on Instagram, and I’m looking at cake…”

Passion is key, but Jacobs encourages self-starters to strike a balance. If you don’t, you risk losing your passion — and your business.

The keys for her are  saying no to what she can’t handle (see tip No. 3) and spending time outside the kitchen.

Jacobs admits it’s easy to forget her friends and family and charge forward with her head down, but she needs those people and her “me time” — that time to breathe in something other than cake.

5. Know Your Worth

Cookie sandwiches sit on a countertop
Confetti cookie sandwiches are on Jacobs’ menu. Chris Zuppa/The Penny Hoarder

Putting a price tag on your goods is hard. You know how much time and effort went into something, but do they? Will they pay that much for these cupcakes?

“I felt like at the beginning I was practically giving stuff away because I was worried,” Jacobs says. She’d find herself thinking: “This isn’t as good as what they may see on Pinterest or Instagram.”

But, over time, she was able to stop comparing herself to others. “Remember, they may have been doing this for 20 years or have gone to school for this,” she says.

Plus, she reminded herself that people aren’t just paying for her product and for the ingredients going into it. They’re also paying for her time (remember, it takes at least 15 hours to craft a wedding cake) and her talent.

And she’s found people are willing to pay. Jacobs now starts her pricing at $ 160 for tiered cakes that serve 32 people, $ 42 for a dozen cookie sandwiches, $ 35 for a dozen macarons and $ 22 for a dozen cookies.

6. Seek Mentors — Chances Are, They’re Willing To Help

Two women pose for a picture
Jacobs found a mentor in Angela Garbacz, who is a pastry chef, food stylist and owner of Goldenrod Pastries. Photo courtesy of Jennifer Jacobs

This past September, Jacobs hopped on a flight to Lincoln, Nebraska.

Why? She was spending the day with Angela Garbacz, the pastry chef, food stylist and owner of Goldenrod Pastries.

Jacobs had connected with Garbacz through Instagram, and Garbacz had invited Jacobs out for a tour of her brick-and-mortar bakeshop.

There, Jacobs shadowed the owner, poking her with questions and observing her art. At the end of it all, Garbacz even offered Jacobs access to her business plan.

“You think just because she’s some big baker, she wouldn’t want to help, but you’d be surprised,” Jacobs says.

Jacobs is now starting to pay it forward. People will reach out to her about certain baking techniques or with inquiries about starting their own businesses. Jacobs is more than happy to answer those questions and to help others along the way — just as her mentors did for her.

“Just reach out,” she says. “There are so many people willing to help you — for free.”

7. Accept That Not Everyone Is Your Customer…

Two women bake cakes.
Jacobs relies on her mother, Barbara Jacobs, for help. Chris Zuppa/The Penny Hoarder

…but they can help you in other ways.

Jacobs remembers hearing this tidbit of advice somewhere, and it’s stuck with her:

People can support your business — even if they don’t buy or can’t afford a cake. Maybe they’ll tell someone about the awesome cake they saw on Instagram. Or that a birthday party they recently attended boasted beautiful succulent (like the plant) cupcakes.

“Word of mouth is the most important thing for any business,” Jacobs says.

It can also be that someone’s there to lend a hand — like her mom.

There was a night not too long ago where she started feeling overwhelmed. Her mom offered to stop by to help wash dishes, and Jacobs embraced her help and her warm company.

“Just surround yourself with supportive people,” Jacobs says. “Everyone has a different purpose.”

8. Leverage Yourself on (Free!) Social Media Platforms

A woman holds up cupcakes
Jacobs regularly uses social media to promote her business. Chris Zuppa/The Penny Hoarder

Jacobs hasn’t paid a single penny to advertise.

Instead, she’s been smart about using free social media platforms to her advantage.

Her favorite, of course, is Instagram, which does justice to her artful creations. Jacobs invested in a refurbished camera and takes all her own photos. She’s able to connect with people near and far (as far as Australia).

She’s also been big on soliciting Facebook reviews.

Recently, Jacobs began following up with customers and encouraging those who were satisfied with her work to write a quick review for Wandering Whisk on Facebook.

“Almost everyone leaves a review,” she says.

Reading positive reviews might help new customers take a chance on Jacobs, even if they’ve never see her product in person or haven’t yet tried her banana Nutella cupcakes.

9. Build Genuine Relationships With Your Customers

People pose for a picture
Jacobs uses competitions and networking opportunities to promote her business. Photo courtesy of Jennifer Jacobs

Jacobs makes an effort to join her local alumni groups, attend meetups and to regularly put herself in situations where she can connect with new people.

And it’s not so she can shove her business card in people’s faces. She enjoys having genuine conversations with others. If Wandering Whisk comes up, great. If not, that’s OK, too.

In addition to networking, she makes an effort to build relationships with her customers. “You shouldn’t look at them as if they’re buying one product and giving you money,” she says.

Wandering Whisk gets a ton of repeat customers. In fact, one woman just placed her third order with Jacobs in two months.

“It’s really important to just be a real person and build a relationship and ask questions and to get to know them as a person,” she emphasizes. “That’s the reason I do this. I love getting to know people and hearing their feedback.”

10. Don’t Corner Yourself

Jacobs offers a range of desserts on her menu, including macarons. Chris Zuppa/The Penny Hoarder

Although Jacobs has mastered the technical art of the macaron, she refuses to open a macaron shop.

Why? That’s just a phase — just like cupcakes and doughnuts and everything else considered “craft” and “trendy” at any point.

Instead, she wants to remain Wandering Whisk Bakeshop, with an emphasis on bakeshop. She encourages others to enter their own industries with the same type focused flexibility in mind.

“Keep it broad and flexible and nimble,” she says.

And keep learning!

Read more about the start of Wandering Whisk here.

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder. She’s more of a “wanderer” than a “whisker.”

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.

The Penny Hoarder

BEST DEAL UPDATE:

Sam's Club Membership Offer

Mum’s Best Style Advice

Once a year I pay tribute to my late Mum, who taught me more about style than anyone else. She sowed my style seed, and was a fabulous shopping buddy. She wholeheartedly supported my extreme career change at age 21 when I moved away from psychology to study fashion, one of the best decisions of my life. I wish I could tell my Mum how instrumental she was in giving me the confidence and drive to switch my career focus and start again. Since I can’t do that, I’m sharing her fashion wisdom with you instead, and hope that she can feel my enormous gratitude on her big fluffy cloud in the sky. 

I’m taking you back to 1984 after we just moved to Cape Town, and I was fourteen years old. We were new to the country, learning our way around, and I was an impressionable teen who loved fashion. I wore a school uniform, which made wearing regular clothes all the more important and a rare event. What you wore and where you bought your clothes did not go unnoticed, especially as the new kid at school. I felt I had a lot to prove, and being perceived as having good fashion sense was important to me. 

On a beautifully sunny and warm Cape Town day during school vacation, I went grocery shopping with my Mum at a mini mall where there were a few fashion stores. Mum asked if I wanted to browse the stores after the groceries were done, to which I enthusiastically said yes please. Our first stop was a shop called Scotts. Initially I refused to enter and Mum asked why? I replied that my new friends told me that Scotts was uncool and old-fashioned. Cheap and nasty. I wanted to shop at the hip stores like Foschini, Truworths, Edgars, Smiley Blue, and LA Clothing, because then I’d look and feel fabulous too. 

At first Mama looked at me with a puzzled expression, and then she laughed gently. She said: “It’s not about where you shop, and how much money you spend — but about what you find and how you wear it. Let’s just have a quick look.”

So we went into Scotts, but my heart wasn’t in it. I adored my Mum, but my friends obviously knew better than she did about where to shop in this new city. At least, that’s what I thought. It wasn’t long before I spotted an amazing pair of high-waisted baggy white pants with light blue insets on the sale rack. Mum took the pants, gave them a once over with her discerning eye, approved, and told me to try them on. They were absolutely perfect.

Mum helped me match the pants with a cropped light blue and white striped top, and oversized white jacket with gigantic collar, the same light blue insets, and shoulder pads. I LOVED this look and forgot I was in the oh-so-forbidden Scotts. After we got the clothes, we went next door to get white perforated flat oxfords and white clip-on plastic earrings that put the finishing touch on the outfit. I was thrilled and very excited about this look.

I wore this outfit over and over, with great confidence and happiness. It garnered many a compliment from the very same friends who were dead set against shopping at Scotts. A few friends asked me where I got the outfit, and I said, Scotts! They gasped and didn’t believe me, and some tuned up their noses. That was fine because I felt like a million bucks. As Mum so rightly told me back then, it doesn’t matter where you buy your clothes. It’s about how well you assess the quality, colour, silhouette and fit, how well you put together the look, and how confident you are wearing it. Lesson learned at age 14 and I’ve been grateful ever since.

Unfortunately, I don’t have a photo of my magical Scotts outfit. Instead I’m sharing a pic of Mum and infant me back when I was born in Hong Kong in 1970. My mum was glam, graceful, classic and polished despite the setting, task or activity. Crying babies, a postpartum body, a husband who worked long hours, and no sleep wasn’t going to prevent her from wearing earrings, make-up, styling her hair, and sporting elegant sleepwear.

Mama
 
Mama, it’s been 18 years since your passing, and words can’t express how much I love and miss you. You will forever be my stylish role model because you always knew best. In addition to your fabulous style sense, you had inner strength, a fiery persona, unconditional love for your family, immense love for animals, fearless courage, and sheer grit.

We at YLF wish you, your Mums, including Mums who are no longer with us, a happy and peaceful Mother’s Day.


YouLookFab

BEST DEAL UPDATE:

A 93-Year-Old Grandmother With An Instagram Following Shares Mother’s Day Advice

Portrait of a Black Woman stretching

Source: adamkaz / Getty

Mother’s Day is right around the corner and for those who might be missing that motherly wisdom in their life, Grandma Daisy is here to give it.

From dealing with the haters to staying thankful, Grandma Daisy’s got you covered!

As a 93-year-old survivor of dementia, she’s still sharp as a knife and will come for you if you’re bringing negative energy. Peep her talk below!

Instagram Photo

 

Yes lawd!

Swipe through for some more Grandma Daisy love just in time for the momma’s holiday!

Life & Style – Black America Web

BEST DEAL UPDATE:

5 Pieces of Money Advice for Young Adults About to Face the Real World

Spring is in sight, and right about now, you’ll see that anxious look on the faces of college seniors and other young adults about to face the real world for the first time. Even if they’re fortunate enough to have a job lined up, they are far from secure financially, and often have no idea how to handle their finances.

If this is you or someone you know, adopting these financial habits now will take the stress out of newly independent adulthood and pay off big in the long run.

 

5 Pieces of Money Advice for Young Adults

 

1. Create a Spending Plan: A.K.A. Your Budget

 

It doesn’t have to be complicated–it’s just about listing and keeping track of all your expenses and income on a weekly or monthly basis. It may not be pretty, but it’s better than the stress of not knowing your financial status. Also, there are plenty of great budgeting tools that are easy to learn and use. A budget is key to gaining control of your spending, and a sense of control as you face the real world on your own for the first time will really reduce your anxiety.

 

2. Follow the First Rule of Personal Finance: Pay Yourself First

 

Begin building up your emergency savings right away, even if it’s only 20 or 30 dollars a month. Save at least 10% of every dollar you get from any source. This money should go into a fund for emergencies–i.e. job loss–only, and should be separate from all other savings and other accounts you have. Click here for dos and don’ts of creating and maintaining your emergency fund.

The earlier you get into the habit of paying yourself first, the easier it becomes, and the more secure you’ll be in the long run. Build these savings into your budget. It’s only smart to face the real world with a financial cushion, should you have to deal with an unexpected setback.

 3. Attack Your Student Loans–or, at Least, Don’t Ignore Them

 

If you have student loans, explore your repayment options, and exercise them, if you have to buy yourself time or reduce your payments. Whatever you do, don’t just ignore them. Not only are they not going to go away, they will just become bigger, thanks to interest and penalties, and even more intimidating over time. Besides, ignore them for too long, and your lenders may just take action and garnish payments from your paycheck, anyway.

Staying on top of your student loans is also important for another reason: protecting your credit, which can impact everything from employment consideration, to renting an apartment. It is much tougher to face the real world with poor credit.

 

4. Pay Your Bills–and Don’t Abuse Credit

 

Yes, paying your bills when they are due matters, as much as it matters to you that you actually get paid on pay day. In addition to avoiding late fees and other penalties you can’t really afford, 35% of your credit score is based on your payment history. (Click here to learn the other components of your credit score.)

Also, don’t abuse credit by using it to pay for things you don’t have the cash for. Keep credit card balances to no more than about 30% of the credit you have access to. That means if you have a credit card limit of $ 1,000, do your best to limit your balance owed to under $ 350.

 

5. Don’t Pass Up Job Benefits

 

If and when you get a job, don’t skip the employee benefits, including health insurance and making contributions toward a retirement savings account. Sure, your take home pay will be smaller, but the benefits are more valuable over time–especially if you get sick or injured.

 

The Bottom Line on Money Advice for Young Adults

 

The longer you put these off, the more costly it will be to you over time, and the more you will regret it. Bite the bullet and adopt good money habits early. You’ll get used to doing it sooner, and they’ll pay off in the long run. Best of all, you’ll be able to face the real world with optimism, not fear.

Editor’s Note: This article originally published February, 2017

 

 

 

The post 5 Pieces of Money Advice for Young Adults About to Face the Real World appeared first on Black Enterprise.

Money | Black Enterprise

FASHION DEAL UPDATE:

Shop select Free People sale and clearance items at Bloomingdales.com!

The Best Career Advice from Coaches for Lawyers and Other Professionals

We recently contacted several top career coaches (many recommended by Corporette® readers!) to ask them to share their best career advice for professional women in BigLaw, BigFour, and other Big jobs. They shared their thoughts on growing your network and building your reputation, communicating with colleagues and making your expectations clear, keeping an open mind regarding your future career path, and deciding whether or not it’s time to leave a job. Readers, have you ever used a career coach? What’s your best career advice to share with young lawyers, accountants, or other professionals?

Psst: we’ve talked about how to find career coaches before, as well as offered other tips on how to succeed in your career.

Here’s what they shared with Corporette® readers as far as their best career advice:

 Elizabeth H. Munnell, J.D.EHMunnell: 

Some baseline advice for young women starting practice in large law firms: Do not listen to anyone who, in your first few years as a lawyer, warns against spending otherwise billable hours building your network and reputation in the community. Time spent developing a broad and coherent business network, and learning the basics of client development and business generation, is a direct investment in your future and a path to a self-sustaining practice. That it may be non-billable is irrelevant.

Your friends and classmates in the business community are already on message — and they are already ahead. MBAs receive sophisticated training in network building and business generation, and are not at all embarrassed, nor prohibitively intimidated, by the task. Keep in mind, also, that many of the men with whom you are competing start out with broader networks, and a better shot (yes — because they are men) of attracting the partner sponsors essential to advancement.

Rachael Bosch, Managing Director, Fringe Professional Development: 

My biggest piece of advice is to avoid the expectation void! Try your best not to make assumptions about other people and be as clear as possible with your own expectations. That may mean outlining your plans for a big vacation within your first year when you start or clearly outlining what behaviors you want to see from folks you manage. We live in a culture where the common reaction to tough conversations is “it’s just not worth it to say anything,” [and] my advice is that the price is too high to not clearly articulate your expectations. After all, if you set expectations that people don’t achieve, that’s on them. But, if you never set the expectation in the first place, that’s on you!

Kate Neville, President & Executive Coach, Neville Consulting Services: 

Before [leaving your employer], it can be worth the effort to think about how you might improve your daily experience within the organization. In conducting that cost-benefit analysis for any position, it’s important to:

1. Recognize that any job is going to have its pros and cons
2. Understand that the grass often looks greener from the other side
3. Prioritize what factors are most important to you
4. Make a distinction between what you can control and what you can’t
5. Identify which trade-offs you’re willing to accept, and
6. Develop strategies to effectively exert influence in areas that work to your advantage.

Linda Raynier CPA, CA, Career Strategist, Speaker, and Intuitive Purpose Coach: 

My advice would be to learn and absorb as much as you can on the job and keep an open perspective for your career. For some people, a corporate position is THE ideal career for them. But for others, you may one day realize that your corporate job served a specific purpose at a certain time in your life, but you may eventually want to move into something different. So make sure you have a plan on how you can leverage the skills and experience you gained from your corporate career to get you moving forward in your new profession.

Do you agree — is this the best career advice from coaches that you’ve heard? If you’ve been in your field a while, what is the career advice you most often pass on to younger colleagues? If you’re relatively new, what is the best advice you have received so far? Have you ever used a career coach, and if so, why? 

The post The Best Career Advice from Coaches for Lawyers and Other Professionals appeared first on Corporette.com.

Corporette.com

BEST DEAL UPDATE:

Dear Abby’s Advice to Aspiring Journalists: Apply for This $5k Scholarship


Dear College Student,

If you’re looking for help paying for college, here’s a scholarship opportunity you might be interested in.

Jeanne Phillips, the writer behind the well-known advice column “Dear Abby” and the daughter of the original Dear Abby, wants to award a $ 5,000 scholarship to an aspiring writer or journalist.

And because this scholarship is offered by the queen of columnists, this contest is open only to students who write bylined general-interest, editorial or specialized columns that appear in either print or online editions of college publications.

Basically, if you’re a columnist for your college’s newspaper, you could win $ 5,000 to help pay for your tuition, fees or textbooks.

And if you’re on the hunt for other scholarship opportunities, be sure to like The Penny Hoarder College page on Facebook. We post awesome new scholarship opportunities there whenever we find them!

Win $ 5,000 in the 2018 Dear Abby College Columnist Scholarship Contest

Here’s how to enter to win $ 5,000 from the 2018 Dear Abby College Columnist Scholarship Contest and the National Society of Newspaper Columnists Education Foundation.

Amount awarded: $ 5,000

Number of scholarships awarded: One

To qualify for this scholarship, you must:

  • Be an undergraduate student (seniors included).
  • Write bylined general-interest, editorial or specialized columns for a college publication.

To apply, applicants must:

  • Fill out the entry form located here.
  • Submit copies and links to three bylined columns published between August 15, 2017 and June 15, 2018.

Scholarship deadline: June 29, 2018.

You can read the rest of the official rules and guidelines here.

If you’re looking for even more scholarships to apply for, be sure to check out our list of 100 scholarships that will help you pay for college.

Grace Schweizer is a junior 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.

The Penny Hoarder

BEST DEAL UPDATE:

Sam's Club Membership Offer

Pastor John Gray’s Advice for Unexpected Hardship: “Keep Breathing” | Book of John Gray | OWN

OWN

SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

Expert Advice: Consider All Your Options Before Buying!

What is the biggest mistake you see buyers make when considering a home purchase?

FAILING TO CONSIDER ALL OF THEIR OPTIONS!

Homeowners will sacrifice their dream location because they can’t find a house that suits their needs or leave a neighborhood they love because they have outgrown their home. There is no need to compromise! In both situations, an addition provides the perfect solution. For homeowners who love their neighborhood, an addition can drastically increase available living space and may also be more cost efficient that moving would be!

When looking to buy, if there are no available properties in your desired neighborhood that offer the space you need, an addition can turn a smaller home into your dream home! While we all love the idea of a “move in ready” home, a little extra effort and the help of an expert team can result in the perfect home in the perfect neighborhood with no regrets! – Bole Cirovic, www.Modular.ca

The post Expert Advice: Consider All Your Options Before Buying! appeared first on Home Trends Magazine.

Home Trends Magazine

BEST DEAL UPDATE:

Expert Advice: Know BEFORE You Buy!

What is the biggest mistake you see buyers make when considering a home purchase?

FAILING TO OBTAIN A HOME PERFORMANCE DIAGNOSTICS REPORT!

This report provides valuable information about the current condition of a home and possible future issues. Essentially, it provides a detailed checkup of the home.

Unlike a typical home inspection, the home is tested under dynamic conditions in order to show how it breathes (are there leaks) and the condition of it’s heart (furnace/AC systems), arteries (ducts), and coat (insulation). The tests also show how effective and efficient air filtration is in the home, ensures all gas and combustion appliances are leak free, checks quality of building materials and effectiveness of the exhaust ventilation.

In case of any indoor air quality concerns, a separate assessment is performed. Samples for mold, bacteria or any other contaminant are processed by a registered lab. The report also includes a list of improvements recommended to rectify deficiencies found and a post renovation/ improvements test can be performed to verify the results. – Andrej Bagar, www.FluxAir.ca

The post Expert Advice: Know BEFORE You Buy! appeared first on Home Trends Magazine.

Home Trends Magazine

BEST DEAL UPDATE:

Advice For Trump on North Korea, From A Veteran of Nuclear Diplomacy

Photo Illustration by The Daily Beast

Every U.S. president faces some of the toughest challenges in the world. And while Donald Trump manufactures a number of these crises for himself, the issue that may define his foreign policy is one that he inherited — and has exacerbated — with irresponsible rhetoric and a cavalier attitude toward nuclear weapons: a nuclear armed North Korea.

Thus far we have had little reason for optimism that the current administration could address  this threat peacefully. President Trump has had a dismissive attitude toward diplomacy in general, as shown in his unmitigated hostility to the Iran nuclear deal — an historic nonproliferation agreement achieved under his predecessor. He has provoked the North Korean government in macho tweets and cringeworthy statements. Meanwhile, North Korea has refined its payload and delivery capabilities, bringing the first new nuclear threat to the US mainland since the Cold War.

There were baby steps toward diplomacy during the Pyeongchang Olympics, particularly between the two Koreas, and then this past week representatives of the Republic of Korea announced that President Trump had agreed to meet with Leader Kim.

Read more at The Daily Beast.

The Daily Beast Latest Articles

SPECIAL NEWS BULLETIN:

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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

SPECIAL DONATION REQUEST UPDATE:

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

Jaden Smith, Ronnie Fieg Offer Advice to Apparel Industry

LAS VEGAS — This season, Agenda, Capsule and Liberty partnered to present Assembly, a series of workshops, talks and keynotes that addressed various topics or issues plaguing the apparel industry.
On Monday night, Jeff Staple moderated a keynote session with Kith’s Ronnie Fieg and Jaden Smith, the son of Will and Jada Smith, who recently released an album “Syre” and has an animated Netflix series, “Neo Yokio,” a clothing line called Msfts and Just Water, an eco-friendly water company that sells its water in a paper-based bottle.
The talk was sprinkled with a few fun facts and surprise appearances. Smith revealed that the dreadlocks he cut off and took to an award show are now encased in a clear box at his parents’ house, and rapper Fat Joe stood up at one point to thank Fieg for the free Kith product and congratulate Smith on his work. But they also offered some insight for retailers, brands and designers attempting to navigate the changing industry. Here are highlights from the talk:
On deciding which brands to work with:
Ronnie Fieg: “It’s really on a case-by-case basis. Some projects have been more appropriate because of nostalgic purposes like Iceberg. Iceberg in the U.S. is not as

Follow WWD on Twitter or become a fan on Facebook.

Read More…
WWDWWD

BEST DISCOUNT UPDATE:

Dating Open Thread: What’s Your Best Dating Advice for Career-Driven Women?

dating advice for career-driven womenHappy Valentine’s Day, ladies! If you’re happily partnered, what are you up to tonight (or this weekend)? If you’re still on the hunt for a partner, though, let’s have an open thread to talk about dating. What are your favorite online services or apps? Have you joined any IRL activities to try to meet someone? Are you open to dating at the office (and how does that look in 2018)? Whether you’re partnered or not, what is the best dating advice for career-driven women you’ve ever heard?best dating advice for career-driven women - image of heart marshmallow in cocoa

For my $ .02, I’ve said it before, I’ll say it again: I’ve always been of the view that I’d rather be alone than with the wrong person — and knew it was time to break it off with guys as soon as I rolled my eyes at them. As a Type-A, career-driven woman, the best dating advice I got back in the day was to treat dating like a project, with measurable goals (update profiles on 2 sites this week, message 4 prospective guys, go on 2 dates). It gives you some feeling of control over what is essentially an uncontrollable process — and it helps you understand better what you do and don’t want, as well as appreciate when there is a spark or connection. Personally, this last part was really important for me — I went into dating like I might a hire, with a wish list of schools, careers, extracurriculars. Looking back, I’m glad I ditched the list and focused instead on spark, connection, and shared values and expectations about what our lives would look like, including things like how much you want your extended family in your life, what the “default weekend” looks like (together? apart? partying? with our kids? football widow?), and even generally being on the same wavelength on things like dirty dishes and toys taking over your living room. That said, I wound up meeting my husband at a friend’s party a few months after I’d decided to take a break from dating like a project… and both of us nearly hadn’t gone to the party. So luck (obviously) plays a huge role… but as the quote goes, chance favors the prepared mind.

Here are some of our previous discussions on point regarding dating advice for career-driven women:dating advice for career driven women - image of pink heart in hot cocoa mug

We rounded up our best dating advice for career-driven women -- including how to treat dating like a project, how to ditch the list, and what's really important.

The post Dating Open Thread: What’s Your Best Dating Advice for Career-Driven Women? appeared first on Corporette.com.

posts – Corporette.com

BEST DEAL UPDATE:

We asked, you answered: The very best parenting advice from our fans

by

Sara McGinnis

posted in Parenting

What one bit of advice would you give to a new parent? That’s the question BabyCenter recently posed to our Facebook fans, and you all had plenty to say.

From taking a moment for yourself to having baby two, take a peek at what others walking in the same shoes as you had to share

Erin Menchaca DiCecco: People will romanticize having a newborn and say “enjoy every moment” and how magical it is… but it’s impossible to enjoy EVERY moment, most moments are hard, and parts of parenthood just plain suck. It’s okay to not feel a glowing, magical love 24/7. It’s the hardest work, and it’s okay to ask for help!

Cassondra Rogers: Don’t believe anyone that says holding a baby too much will spoil them.

Caitie Marie Rappelli: Take the shower! You’ll feel so much more refreshed and ready to handle the day if you take 10 minutes for yourself to wash your hair, throw on some fresh yoga pants, and a little mascara. The baby may fuss for a few minutes but that short amount of time is so necessary for your sanity.

Nicol Stephenson: Do the research, form your own opinions, don’t listen to what everyone says even if they are older, and if it doesn’t feel right, you’re probably right. Relax, breathe, you’ve got this.

laundromat woman

Annie Elizabeth Reynolds: Sleep when baby sleeps. If the house is a mess, who cares, get your rest. Everyone will understand if you have visitors when baby is born they may even help you. My sister came and cleaned my house, cooked dinner, and helped me with my son so I can rest the first 2 weeks of his life. So helpful!

Bianca Villarreal: Take as many pictures as you can because they grow so fast. And hold them as long as you can/want because one day they’ll be running around your house and you have to beg for a cuddle.

Chace Sands: All moms are expected to be excited and happy with a newborn but that is not true at all. Hormones are way out of balance and you get very little sleep. It’s completely normal and okay to call your doctor and ask for help if you are feeling sad.

Kristin Zimmerman: It’s okay to walk away when the baby is crying. There will be a moment when it is so overwhelming and you are at the end of your rope and walking away will be hard, but the absolute right choice.

Tina Stry: Regarding a second child: No two siblings are the same. One might sleep through the night since they are born the other may have colic until they are in college. One might latch right away and the second might not. Go into the second pregnancy/child with no expectations. They are all different no matter how much you feel prepared or like a seasoned veteran. Don’t be too cocky because that second baby will knock you down a few pegs!

breastfeeding outdoors

Jennifer Reinhold-Foss: Breastfeeding is not always easy. Sometimes it is difficult. Do not feel like a failure if it doesn’t work out, or if you need to supplement with formula.

Ralph Trentacosta: I give this advice to all new parents… listen to all advice but take none of it, your kid is not the same as mine. What works for me may not work for you don’t beat yourself up over someone’s else’s advice!

Charity H. Robinson: Everything is truly a phase. From the sleepless nights to the refusing to eat anything—it’s just a phase and this too shall pass.

Courtney Faust: Even when you feel like you’re doing everything wrong, you’re a good mom. The fact that you worry about screwing up or lose sleep over what happened that specific day… proves you’re a good mom. Bad moms tend not to care if they’re bad moms.

For what it’s worth, I couldn’t agree more with Tina’s words about baby two may be entirely different — and I had to learn it the hard way.

As a first-time mom I felt pretty proud to have a baby who slept through the night at six weeks and only cried when he really needed something. I looked at the moms in my post-birth group and vaguely wondered what I was doing right (or they were doing wrong)…but it turns out I had very little to do with the whole thing. My firstborn just happened to be an easy baby.

Baby two arrived with a large slice of humble pie on the side. He’s now 11, and I’m somehow still not over those 15 months of sleep I lost!

Which bit of advice resonates with you? What would you add?

Images via UnSplash/Steven LeghornVictoria PalaciosDave Clubb

BabyCenter Blog

BABY CARE SPECIAL DEAL UPDATE:

Aden & Anais Logo

Best Merchant Cash Advance for Small Business Advice: Should Black Entrepreneurs Use This Option?

Traditionally, African American business owners have always had a tough time obtaining financing to grow, develop, and sustain their businesses. When business owners cannot obtain the capital they need from traditional financial institutions, they usually turn to alternative ones.

One of the growing sources of alternative business capital since the Great Recession, has been that of the Merchant Cash Advance (MCA), along with its sister product, the Alternative Business Loan. A company by the name of AdvanceMe (today the company is known as Can Capital) brought the MCA concept to the marketplace in the very early 2000s and even tried to patent the concept, but wasn’t successful.

But it wasn’t until the credit crunch of the 2008 recession that business owners began turning to the MCA product in high numbers, leading to an explosion of said industry. You have to be cautious using these alternative means of capital, so I am going to present the best merchant cash advance advice to you.

 

The Best Merchant Cash Advance for Small Business Info

Here’s how the MCA works: A business is doing $ 60,000 a month in credit card processing volume, for example. That business could be approved for about $ 60,000 in terms of the advance amount, which can be used for any business purpose, such as covering payroll.

The lender might set up the business with what is known as a  “factor rate,” which translates into a total payback amount of $ 72,000. To pay back the advance, the lender might hold 20% of the daily credit card processing volume of the business (which, in this example, comes to around $ 400) and apply this amount to the total outstanding payback balance.

As long as the business maintains the same level of monthly credit card processing volume, then the entire payback amount would be satisfied in six months. An MCA offer based on the above example would look like the following:

  • Advance amount: $ 60,000
  • Factor rate: 1.20
  • Total payback or purchase amount: $ 72,000
  • Holdback percentage: 20%

Note that the MCA is not considered a traditional loan with fixed terms, so if the monthly credit card processing volume of the business in this example drops to $ 50,000, then instead of six months to pay off the total payback amount, it might take just over seven months to complete. As a result, this product works best for businesses that are seasonal.

 

The Alternative Business Loan

Unlike the MCA, an Alternative Business Loan is structured as a real business loan with origination fees and fixed terms. Approval is based on 5% to 10% of the annual gross sales of a business, so if a business is doing $ 2 million a year in gross sales, it might get approved for $ 150,000. To pay back the loan, the lender will set up a fixed payment that comes out of the business owner’s bank account every business day. For the terms, let’s say the lender offers the business owner a 15-month option with a 28% interest rate. Here’s how the complete offer would look:

  • Loan amount: $ 150,000
  • Origination fee: $ 4,500 (based on 3% of loan amount)
  • Final disbursement amount: $ 145,500
  • Cost expense (interest): $ 42,000
  • Total repayment amount: $ 192,000
  • Daily business day payment: $ 508 (represents 378 business day payments over the next 15 months)
  • Term: 15 months

Should You Use One Of These Products?

Many experts believe business owners should never use the MCA or Alternative Business Loan, calling the products “payday loans for small businesses,” due to the fact that, at times, the annual percentage rates (APR) of the products can get up to 350%.

Having offered both of these products to numerous small business owners across the country, I believe the products can work for certain business owners in certain situations. For example, I have normally recommended the products as a form of bridge financing, which is just a tool to help get a business owner over a short-term/temporary “hump,” but with a focus on eventually getting them back into a position where they are able to take advantage of traditional (and more cost-effective) business financing options.

As a business owner, you would have to determine whether or not the MCA or Alternative Business Loan product might work for your current financing needs. As a financial professional, I recommend using the products for short-term/temporary financing issues rather than as a long-term, business financing strategy.

The post Best Merchant Cash Advance for Small Business Advice: Should Black Entrepreneurs Use This Option? appeared first on Black Enterprise.

Money | Black Enterprise

FASHION DEAL UPDATE:

Shop select Free People sale and clearance items at Bloomingdales.com!

Michelle Obama Has Advice For People Who Feel ‘Fear’ Under Trump

If you missed it, former first lady Michelle Obama sat down with Ellen DeGeneres for her first TV interview since leaving the White House and they dished about the “very scary” world under Donald Trump.

Mrs. Obama admitted that while there are many people who are concerned about the future of this nation, others don’t see fear.

“People are afraid,” she said. “But then there are people who feel good about the direction of the country. So that’s what makes this country complicated because it’s made up of so many different people from different backgrounds. We are this mosh pit of society and sometimes there’s a rub, Mrs. Obama explained.

“But the thing that we have to remember, the thing I learned in the eight years that I was in the White House, was that what we do every day in our lives, the good things that we do every day — and we know we do it — we show empathy, we care for each other. We do have a lot in common,” she said. “That’s what it means to lead with hope and not fear. And that’s all we have, is hope.”

She went on to say that no matter how hard it can be, you need to “love each other, to take care of each other, to show empathy.”

“You can’t do that only when people make you feel good or safe. We’ve got to do it all across the board. We have to be an open-hearted nation — and that’s who we are,” she said. “And that’s the truth of who we are, so you can’t lose sight of that. So let’s just keep living our lives like that every single day and forget what they’re saying in Washington. That’s not necessarily who we are. We know who we are and I know who this country is.”

To preview the “Ellen” episode, Obama took to her Snapchat to share some behind the scenes moments during the show’s taping.

During their conversation, she also told Ellen what was in that Tiffany’s gift that Melania Trump gave her on Donald Trump’s Inauguration.

“There’s all this protocol,” she explains. “This is like a state visit, so they tell you that you’re going to do this, they’re going to stand here. Never before do you get this gift, so I’m sort of like, ‘OK, what am I supposed to do with this gift?’” Obama says, narrating as a clip of the exchange playing on a large screen behind her and Ellen.

“Everyone cleared out and no one would come and take the box, and I’m thinking, ‘Do we take the picture with (it)?’ And then my husband saved the day — see he grabbed the box and took it back inside. But everybody cleared out — no staff, no one. I was like, ‘What do you do with the box?’”

Obama told DeGeneres that Mrs. Trump gave her “a lovely frame.”

Her appearance on the “Ellen Show” also happened to be for Ellen’s 60th birthday celebration.

 

READ MORE STORIES ON BLACKAMERICAWEB.COM:

GET THE HOTTEST STORIES STRAIGHT TO YOUR INBOX: 

(AP Photo/Carolyn Kaster, File)

Black America Web

ENTERTAINMENT UPDATE:

Patrick Swayze’s Profound Advice for Getting into Character | The Oprah Winfrey Show | OWN

OWN

SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

Work Zen of The Week: Why Follow Your Passion is Overrated Career Advice

While “follow your passion” is a popular career catchphrase, take note. If you’re looking to advance at your job or make money in your business—people don’t pay for your passion they pay you to solve their problems. Another thing to understand is your passion doesn’t always feel good. There will be days when you’ll feel frustrated, tired, and overwhelmed simply because every career comes with its own series of headaches. So, how bad do you want it? If you want to excel in pursuing your passion, you’ll need to understand a few things:

Define your passion 

What’s the industry that your passion falls under? What’s the lifestyle, expectations, and work standards? Find a few people who work in the industry and ask them about a typical day, challenges, and outlook for the field. What strengths are required? How do you want to feel every day? Who are the ideal people that you’d like to surround yourself with? Answering these questions can help you develop realistic expectations for your career journey? If your passion is not tied to a specific role within a career, focus on surrounding yourself with like-minded people who are fearlessly creating their own opportunities or trying out new things.

Focus on a problem or underserved need

To convince people that they should hire you for your “passion,” you’ll have to sell your passion in such a way that people think you’re the perfect person to delight them, alleviate stress, or save them time and money.

Focus on being of service and putting people at the core of what you do

Sure, it’s your career, but it’s really not about you. Someone once said the fastest way to achieve success is to first help others succeed. These are true words to live by as success is often measured by how you’ve contributed to other people’s lives—whether it’s business or personal.

Commit to a daily process and master it

Nowadays social media makes success look way too easy. But if you’ve followed Black Enterprise for some time, you’d know that behind every successful professional is one incredible story of determination and grit. So keep your eyes more on the process instead of the results.

 

The post Work Zen of The Week: Why Follow Your Passion is Overrated Career Advice appeared first on Black Enterprise.

Career | Black Enterprise

EMPLOYMENT UPDATE:

Free advice: Turn your phone’s damn battery percentage off

TwitterFacebook

Attention is a kind of love. 

Except when it’s directed toward your iPhone and its unending series of notifications, at which point, if you’re anything like me, is nothing more than a specific kind of anxiety unto itself: “Why am I staring at this thing so much, and why’s it making me feel awful?”

To really fix this, you’d need a psychiatrist. But! One modest, simple change could help put a stop to this: 

Stop your phone from displaying the percentage of battery life it has left.

That’s it.

That little number, affixed to the top-right of your screen if you’ve enabled it*, is a countdown clock of disaster and doom, kept minutes away from midnight only by the repeated jamming of a power cord into your device’s greedy little maw. Seeing this percentage may invite obsessive charging; I find that stress starts creeping in around 64 percent.  Read more…

More about Iphone, Charging, Battery Life, Tech, and Iphone


Tech

ENTERTAINMENT DEAL UPDATE:

Andi Dorfman Reveals Advice for Arie Luyendyk Jr. Before ‘The Bachelor’

Bachelor season is officially here! Fans were shocked that Arie Luyendyk Jr. was named the next suitor in September, but one member of Bachelor Nation is thrilled – Andi Dorfman!

“I’m excited that they’re bringing him back. I think we’ve gotten a little off track,” the season 10 Bachelorette tells Us Weekly exclusively. “I think that bringing him back is bringing back what I felt, which was being there to find love and actually wanting to get engaged. I think they kind of went away from that a little bit on some of the previous Bachelors, so I’m excited they’re bringing a familiar face back.”

Dorfman, 30 – whose second book, Single State of Mind, is about to hit shelves – adds that she doesn’t think Arie needs many tips when it comes to the show – she just hopes he has fun!

Arie Luyendyk Jr.
Arie Luyendyk Jr. is seen on September 28, 2017 in Los Angeles, California. SMXRF/Star Max/GC Images

“It’s so easy to get wrapped up in all of the production and the tiredness and the time and everyone’s feelings that you kind of forget that you are having this incredible time and experience that you’re never going to get to do again,” she tells Us. “Just take a moment, take a deep breath and smile because it’s a pretty cool experience that not a lot of people are fortunate to do.”

Arie, 36, recently revealed during a press conference that he actually fell in love with two people during his season. “The toughest part about being the Bachelor would probably be the end, making tough decisions toward the end. I mean, that’s the hardest decision of your life, really,” he said on the call last month. ”It’s a forever decision, so it’s not taken lightly. I think that was probably the hardest thing.”

Single State of Mind is out on January 9, 2018. Read an exclusive excerpt in the issue Us Weekly on stands now.

Us Weekly

BEST DEAL UPDATE:

Dr. Jackie’s Advice for Managing a Demanding Career and Stressful Family Life 

Fans of Bravo’s hit TV show Married to Medicine know Dr. Jackie (Dr. Jacqueline Walters) as the soft-spoken yet ambitious OB/GYN who keeps the peace amongst a cast of seven women who aren’t afraid to say exactly what’s on their mind. You’d also be surprised to know that she declined the offer to become a cast member not once but twice, and even tried to back out of a signed contract after her first drama-filled taping. And for five seasons, Dr. Jackie, a medical practice managing partner, two-time breast cancer survivor, and founder of The 50 Shades of Pink Foundation, has avoided the typical catfights that come with reality TV—until recently when she was caught off guard by her husband’s highly publicized affair.

Here is an ugly truth in life, when it comes to maintaining a successful career—at some point on our journey we’ll face a battle at home that most people won’t know about. So we caught up with Dr. Jackie for some advice on how to manage a demanding career while trying to maintain healthy family relationships.

 

When you initially considered appearing on the show, what were your expectations?

I’m thinking I’m going on a reality TV show where I’m going to be a mentor for women who were doctors to help them understand how to navigate the lifestyle of medicine, right? Wrong. 

 

What are two things that you want women to take away from your role on the show?

I want everybody in the world to know, especially women, everybody is balancing something. There can be struggles in your marriage, hard times at work, girlfriends, breast cancer, infertility, you know, mental disorders in the African American community is another thing we hide. So before we respond, learn how to process. Being a doctor who sees all women, I notice women react and many times they react off of misinformation. We assume that this is what the person meant and this is how they said it. A lot of times they could be fighting about a text message. I always add up the cost. For instance, if I say this or do this, what is it going to cost me or what will I gain? There is a difference between responding and reacting.

Secondly, you can take all your pain and create a purpose, and take all that misery and create a ministry and let your struggles give you strength.

 

 

While dealing with stress, how do you walk into your office every day with a smile and successfully perform at work?

When I close that door from my car and walk into the building it really isn’t about me. I made a commitment and I took a vow that I would do no harm and I would take care of women even if it meant sacrificing sometimes my own good pay. Even on the day when my nurse used an iPad to show me that my husband was having  an affair I took a breath and I promise you, I wanted to fall on the floor and cry and roll. But I’m like, okay, I’ve got my next patient at 2:00 and it’s 1:57 p.m. I paused and said well, we’ve got to see patients, and oddly enough, three women that afternoon came in because their husbands were having affairs and I had to help them process it; God probably sent them to help me heal myself. I asked my husband to give me time and space to figure out what was best for me. I live by the fact that I can either have the courage to forgive or the freedom to not.

The post Dr. Jackie’s Advice for Managing a Demanding Career and Stressful Family Life  appeared first on Black Enterprise.

Career | Black Enterprise

EMPLOYMENT UPDATE:

Serena Williams is crowdsourcing motherhood advice from Instagram

And we LOVE her for it…

Serena Williams' baby

From the editors of InStyle US
Words by Alexandra Whittaker

Serena Williams welcomed her beautiful daughter Alexis Olympia earlier this year, and she’s been Instagramming up a storm of adorable photos of her. But that doesn’t mean first-time motherhood is a piece of cake for Williams.

The tennis champ took to Instagram on Sunday to talk about one of the things that stresses her out the most about being a mum to Alexis Olympia, and she’s asking for help.

‘Teething—aka the devil—is so hard,’ she wrote. ‘Poor Alexis Olympia has been so uncomfortable. She cried so much (she never cries) I had to hold her until she fell asleep. I’ve tried amber beads… cold towels…. chew on mummies fingers…. homeopathic water (lol on that one) but nothing is working. It’s breaking my heart. I almost need my mum to come and hold me to sleep cause I’m so stressed. Help? Anyone??’

Thankfully, many Instagram users are heeding her call, offering soothing words and advice to Williams in the comments section.

‘Teething is always hard on baby and Mum. The best thing to do is use a teething ring. Put it in freezer and let it get cold, then let her chew on it. Refreeze after it get warm and use baby Tylenol. Be patient, it’s a process, but Alexis will be fine in time. Welcome to motherhood,’ one user wrote.

‘If all else fails try baby orajel to rub on her gums,’ another said. ‘It will get better once this phase is over.’

We wish both Serena and baby Alexis the best of luck with this tough phase.

The post Serena Williams is crowdsourcing motherhood advice from Instagram appeared first on Marie Claire.

Marie Claire

BEST DEAL UPDATE:

Style Your Home’s Outdoors with All the Perfect Additions from MacKenzie-Childs! Save on Tables, House Letters & Chairs. Shop Now!

[WATCH] Game-Changing Career Advice From Most Powerful Exec Ann-Marie Campbell

She’s one of Black Enterprise’s Most Powerful Executives in Corporate America, and she’s sharing the career advice that got her there.

Ann-Marie Campbell, the executive vice president of U.S. stores for The Home Depot, leads the three U.S. operating divisions of the world’s largest home improvement retailer, including around 400,000 associates and 2,000 stores.

Campbell knows firsthand that the corporate climb is not an easy one, so she’s doing what she can to pay it forward. “We have to stretch our hand out and help someone,” she says, “pull someone up.”

Sharing the wisdom she’s learned over her more than 30 years at The Home Depot, Campbell encourages the next generation to be confident:

“Believe that you can. The dream is real. It can happen,” she says. “It will happen if you keep yourself focused on performing. The ticket to the game is performing.”

For more of Campbell’s career advice, watch for her five game-changing strategies for young professionals:

The post [WATCH] Game-Changing Career Advice From Most Powerful Exec Ann-Marie Campbell appeared first on Black Enterprise.

Career | Black Enterprise

EMPLOYMENT UPDATE:

Too Funny: Will Smith Offers Justin Timberlake Some Super Bowl Advice [Video]

Have you heard? Will Smith has joined Instagram.

His good friend Justin Timberlake offered some ‘welcome’ advice on how #ThrowbackThursday works…

…and Will responded with some advice of his own.

Haha! Welcome to IG, Will!

The post Too Funny: Will Smith Offers Justin Timberlake Some Super Bowl Advice [Video] appeared first on B. Scott | lovebscott.com.

B. Scott | lovebscott.com

BEST DEAL UPDATE:

Kobe Bryant’s urgent advice for Lonzo Ball

Kobe Bryant will long be remembered as one of the NBA’s best players and also one of the league’s biggest competitors. The former Lakers star is famous for his Mamba mentality that constantly kept him in the conversation of the best players each and every season. Bryant debuted in the NBA in 1996, almost a…
Sports | New York Post

EMPLOYMENT SEARCH UPDATE:

Jake Paul Shares Advice On How To Handle Bullying, Talks Vine’s Potential Return & More | PeopleTV

PeopleTV

SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

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

5 Pieces of Advice for Dealing with Toxic People | Digital Original | Oprah Winfrey Network

OWN

SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

GOP pollster’s advice to Republicans in 2018: ‘Be aggressive’

One Republican pollster has figured out the only way his party can win next fall: Destroy every Democratic candidate in sight.


CNN.com – RSS Channel – Politics

SPECIAL NEWS BULLETIN:

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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

SPECIAL DONATION REQUEST UPDATE:

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

The Best Car Cleaning Advice — Plus, 11 Mistakes You Might Be Making

Find out where you should pay extra close attention when disinfecting.

Home Ideas – Good Housekeeping

BEST DEAL UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

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

How to Deal with Not Making Partner: Reader Advice

how to deal with not making partnerReaders who have been there: What’s your advice to other attorneys on how to deal with not making partner? Reader E recently asked:

I was wondering if you could do a post on not making partner. I’m a sixth year at a large firm, and while I’m not being pushed out the door, my understanding is that partnership is not in the cards, either. On the one hand, this is okay. I never really wanted to make partner, and I can’t say I’m passionate about my job. On the other, ouch! I’ve seen posts about this in the comments, and I thought it might be nice to round them up in one place.

Great idea, Reader E. We haven’t devoted a post to the situation of not making partner, so let’s talk about it today. Here’s one way to look at a situation like this: When this happens to you, you may feel like you’re hanging by a thread — without anyone out there ready to catch you — but really, it can be the beginning of a great new adventure (and in fact it’s part of the adventure … just not the one you had anticipated or hoped for). As one Corporette reader once wrote in response to a young attorney who was worried about her low hours, “The firm that didn’t like me just wasn’t a good personality fit for me. At the time it was really demoralizing, but being pushed out of that firm was the best thing for my career because I found my wheelhouse at the next place.”

We’ve searched our comment threads and have found a good number of discussions about not making partner, deciding whether you even want to be partner, feeling like you’re getting pushed out at your firm, and regretting related career decisions you’ve made (or currently making decisions that may affect your chances to make partner). Do you remember, or have you bookmarked, other helpful comment threads along these lines? If this has happened to you, what advice did you receive from friends and colleagues on how to deal with not making partner? 

Here are some of the best reader discussions and advice:

  • I’ve just been told that I’m not making partner and that I need to find a new job by the middle of next year.” [threadjack] 
  • “It’s hard to see that peers made partner when I didn’t. They are getting to do the work I want and making millions and I’m … not. [threadjack]
  • “I did all the things I was supposed to do and didn’t make partner and couldn’t get in anywhere else. All I can think about my prior life is that it was a waste of time that got me a dead-end job.” [threadjack]
  • How do you know when it is time to leave your biglaw firm for another firm? Is it OK to lateral as a 5th or 6th year?” [threadjack]
  • “I didn’t make partner and got pushed out. Anyone know a recruiter that would work with me to find a smaller/boutique/growing firm?[threadjack] (Here’s an answer from another reader.)
  • I have a good shot at making partner. Would it ruin my chances if I have another kid in my 8th year?[threadjack]
  • “Experience-wise, I qualify as Counsel at my new potential firm. But my title at the current firm is Senior Associate. Any hope that I can negotiate to come in as Counsel instead of SA?[threadjack]
  • “I’m a fourth-year litigator and my firm wants me to do a secondment at a client that is located in the suburbs. My gut instinct was, they’re trying to push me out.” [threadjack]
  • “Can you think of any female lawyers at your firms who are grandmothers? Or who have kids in college? Or who have kids in high school?[threadjack]
  • “Seeing other people with dream homes upsets me and made me regret my decision to go in-house.” [threadjack]
  • “I am a very junior corporate biglaw associate. What’s the longest they’ll let me stay here if I keep doing good work but never make my hours, or even really come close? While I like the work, I’d like to have more children and would then probably stay at home.” [threadjack] 
  • “I’m having a really hard time envisioning a job post-biglaw, but I want to get out in the next year. I feel like I’m just treading water, waiting to be pushed out so that I’m forced to make a decision. I really want to leave before it gets to that point, and I’ve heard that once you’re a 6th year you become less marketable.[threadjack]
  • “I’ve been told I will make partner next year. I’m not sure it’s what I want, and I’m not sure what to say when colleagues ask me if I want to make partner. Should I just suck it up and lie until I am less conflicted about what I want to do with my career?” [threadjack]

If you were passed over for partnership (or pushed out at an earlier stage because it was clear you wouldn’t make partner), how did you feel about it THEN, and how do you feel about it now? If you could go back and do it all over, what would you do the same vs. differently? If you could go back in time, what would you tell yourself?

The post How to Deal with Not Making Partner: Reader Advice appeared first on Corporette.com.

posts – Corporette.com

BEST DEAL UPDATE:

Eckhart Tolle’s Advice that Oprah Says “Eliminated All Stress in Her Life” | SuperSoul Sunday | OWN

OWN

SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

Iyanla Vanzant’s Best Advice for Coping with Infidelity | Digital Original | Oprah Winfrey Network

OWN

SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

Successful serial entrepreneurs share their most valuable advice

TwitterFacebook

In 2017, the “entrepreneurial bug” is prolific. For those bitten by it, there is nothing more invigorating than the seed of a successful business idea.

But in our startup-saturated society, with an abundance of businesses that promise to disrupt everything from the daily commute to dental floss, the truth is that only a small percentage of companies ultimately make the cut. When it comes down to it, entrepreneurship is hard — and reaching the upper echelons of success requires a serendipitous cocktail of dedication, passion, people, and sometimes, a little bit of plain luck.

The right advice is key, too. There’s no better source of wisdom than those who have navigated the stormy seas of entrepreneurship and emerged victorious on the other side — especially if they’ve managed to do it not just once, but repeatedly. We spoke to several such serial entrepreneurs on the Sunday Times Hiscox Tech Track 100 list (read their success stories here) to get their top tips. Below are the key takeaways for budding entrepreneurs. Read more…

More about Startups, Supported, Entrepreneurship, Startup Culture, and Sponsored


Business

BREAKING NEWS:

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!

Millennial Accountant Offers Advice on Leaving Your Corporate Job and Starting a Business

His vision couldn’t be confined to a cubicle. So he submitted his resignation letter and created his own canvas. At the age of 23, Jeff Wilson II grabbed two mentors and followed their lead to create a small tax practice.

He started out just doing tax returns just like his mentors. Five years later, Wilson has his own accounting practice, The WII Group L.L.C. He shares his experience of launching a business as a young millennial accountant:

 

Photo Credit: Courtesy of AICPA Edge Conference

 

 

 

There have been many surveys and reports that reveal why over 50% of small businesses fail within 5 years. Your company has been standing strong since 2009. What has been key to your success?

Jeff Wilson: First, I would say a professional services firm is much easier to own or operate than a product or manufacturing firm because the overhead is low.

The keys to our success at The WII Group L.L.C. have been a balanced approach, a dedication to excellence, and a well-capitalized financial foundation to withstand a few bad days.

The businesses I see failing today are undercapitalized. Someone has an idea, maybe even a really good one, but they don’t understand how much money is needed to run the company and keep things going until a return on their initial investment is made.

Did you face any challenges, opposition, or doubts from others as a young black entrepreneur? How did you establish your credibility in the industry?

Wilson: As a minority in a predominantly white profession from a small HBCU, there is lot of headwinds. No question. I faced a lot of opposition.

I started a financial services organization when I was 23. Who takes advice from a 23-year- old with no born privilege? That’s a tough [sell] to anyone. However, you can’t focus on that, and I never did. I was told your reputation will make it there before you will. As a result, I made sure my name was a gold standard. I did my homework when meeting clients to assure them I was competent, I was on time, and I dressed like a professional is supposed to—black, blues, and grays only. That alone, at least, got me a conversation with decision makers.

Then, I had to explain why they should take my advice. It helped that I was a CPA at 23 who could explain finances simply and in a believable manner. It probably didn’t hurt that I mentioned my positive net worth, which I knew most people over 40 couldn’t say, so they listened and as a result I am still here.

What does it take to build a successful niche practice?

A niche provides a good size moat to protect [a] business—and most importantly, margins away from competitors. To do a niche business, you have to understand who your client is exactly.

Second, understand your competitors. How many people are selling the same product? If a lot of competitors have the same product to sell, it’s not going to hold a lot of value.

Lastly, develop and continue to enhance your skill set. Pick a skill or product that is unique and continue developing it so you’re out in the forefront when people think of this skill or product in need.

What advice do you have for other individuals who want to leave their corporate job and start their own firm?

My advice is this: Don’t quit your day job if you can’t go a year or more without a paycheck. Starting a business is hard and sometimes the reward comes much later than you think. It’s a journey to create lasting wealth for you and your family. It will take a while for the return to show but if you’re skilled and focused on your business 24/7, I am confident the rewards will come.

 

Small Business – Black Enterprise

FASHION DEALS UPDATE:

Reese Witherspoon still turns to her grandma for fashion advice

‘She filled with my heart with so many rules.’

Golden Globes

Words – Brandi Fowler

From the editors of Instyle US

Reese Witherspoon may be a 41-year-old entrepreneur with three children, mega success and the ability to successfully bend-and-snap, but sometimes she just needs Grandma.

The Big Little Lies star stopped by Nordstrom in Costa Mesa, California, on Wednesday to celebrate her Draper James autumn collection with the department store and also dished on the fashion rules she lives by. During a question-and-answer session with a VIP crowd, we learned Witherspoon’s grandmother knows best.

‘There are all these little rules my grandma would teach me about things that you don’t wear to a wedding, like you don’t wear white to a wedding, you don’t wear red to a wedding, and you don’t wear black to a wedding. It’s not a funeral. It’s really done a number on me. No one shoulder to a wedding. It’s not appropriate,’ she said.

‘I’m like, she filled with my heart with so many rules. My girlfriend was trying to get dressed for a wedding, she was like, “Is there anything you can wear to a wedding?” Not much. Maybe your one colour,’ she jokingly continued.

reese witherspoon

Weddings aside, we caught up with the talent to talk all about the new collection for her lifestyle brand (which she named for her grandparents, Dorothea Draper and William James Witherspoon). ‘I’m a Nordstrom shopper,’ she told InStyle about teaming up with the store. ‘I use the online store a lot. They always have my size, which is really helpful, and they carry brands I really like. I can find stuff for all the family here, which makes my life much easier.’

As with the rest of her collections, her collaboration with Nordstrom is infused with her Southern heritage. Those ideologies are reflected in her ‘Totes Ya’ll’ totebags, graphic tops emblazoned with ‘Honey’ and ‘Keep on the Sunnyside,’ and pops of colour weaved throughout.

‘I think there’s just a lot of bad news in the world, and it’s great to put a little bit of positivity out there,’ she said. ‘When you look sort of happy and positive, it really radiates through your family and your community.’

Inspired by Witherspoon’s travels, models wore pieces from the fall collection like a staple black sweater dress topped with a white stripe, a top with a jewel-embellished collar, a black and white printed mini skirt, and more looks complete with whimsical prints and textures.

Reese Witherspoon

Credit: Eric Charbonneau/REX/Shutterstock

‘I like a lot of different jewel tones and things like that, but I’m not afraid of pink and prints,’ Witherspoon said as she dished on her inspiration for the pieces. ‘I think sometimes it’s nice to have fun with your clothes and have a sense of humor, so we always like to have a conversational print.’

In addition, the collection—which includes handbags, sunglasses, and home and gifting—also includes new tailgating products, like shirts emblazoned with ‘Tailgates and Touchdowns.’

‘Tailgating and football is religion in the south,’ Witherspoon told InStyle.

‘There’s just endless football in [my] house. I thought, why are the clothes so ugly for women? They’re just so ugly,’ she said with a laugh. ‘Can’t we make some cute tops, and some cute sweaters, and fun things so that you actually feel stylish when you go to games? We were kind of reinventing the tailgate fashion.’

Preach, Reese.

The post Reese Witherspoon still turns to her grandma for fashion advice appeared first on Marie Claire.

Marie Claire

BEST DEAL UPDATE:

Style Your Home’s Outdoors with All the Perfect Additions from MacKenzie-Childs! Save on Tables, House Letters & Chairs. Shop Now!

Cardi B Says Her ‘Heart Is Smiling’ After J. Cole Gives Her Advice on Twitter

Cardi B’s year keeps getting better.

On Sunday, J. Cole took to Twitter to speak out about the NFL players protesting in light of Donald Trump’s recent remarks directed at the league.

Ahead of his thread, he took time to shout out Cardi B after seeing her interview with ‘The Breakfast Club.’

Naturally, Cardi had a fan moment.

Could there be a Cardi / Cole collaboration in the future?

The post Cardi B Says Her ‘Heart Is Smiling’ After J. Cole Gives Her Advice on Twitter appeared first on B. Scott | lovebscott.com.

B. Scott | lovebscott.com

BEST DEAL UPDATE:

Barack Obama Gave Trump A Letter With Advice, Cheeto Clearly Paid No Attention

Barack Obama gave Donald Trump plenty of advice in the Inauguration Day Letter he gave the newly elected President. It should come as no surprise that Cheeto clearly paid no heed to the sterling advice.

The letter has recently become public, and it reads like a perfect outline on how not to f*ck up your epic new gig as POTUS.

Obama offered this particularly poignant passage:

Third, we are just temporary occupants of this office. That makes us guardians of those democratic institutions and traditions — like rule of law, separation of powers, equal protection and civil liberties — that our forebears fought and bled for. Regardless of the push and pull of daily politics, it’s up to us to leave those instruments of our democracy at least as strong as we found them.

Considering Trump fired James Comey for daring to investigate possible Russian collusion in our election and that he pardoned the racist ex-Sheriff Arpaio, he must have missed that part of the letter.

Read the full letter below. Obama, forever and always Presidential.

Dear Mr. President –

Congratulations on a remarkable run. Millions have placed their hopes in you, and all of us, regardless of party, should hope for expanded prosperity and security during your tenure.

This is a unique office, without a clear blueprint for success, so I don’t know that any advice from me will be particularly helpful. Still, let me offer a few reflections from the past 8 years.

First, we’ve both been blessed, in different ways, with great good fortune. Not everyone is so lucky. It’s up to us to do everything we can (to) build more ladders of success for every child and family that’s willing to work hard.

Second, American leadership in this world really is indispensable. It’s up to us, through action and example, to sustain the international order that’s expanded steadily since the end of the Cold War, and upon which our own wealth and safety depend.

Third, we are just temporary occupants of this office. That makes us guardians of those democratic institutions and traditions — like rule of law, separation of powers, equal protection and civil liberties — that our forebears fought and bled for. Regardless of the push and pull of daily politics, it’s up to us to leave those instruments of our democracy at least as strong as we found them.

And finally, take time, in the rush of events and responsibilities, for friends and family. They’ll get you through the inevitable rough patches.

Michelle and I wish you and Melania the very best as you embark on this great adventure, and know that we stand ready to help in any ways which we can.

Good luck and Godspeed,

BO

H/T CNN


Photo: Getty

The post Barack Obama Gave Trump A Letter With Advice, Cheeto Clearly Paid No Attention appeared first on Hip-Hop Wired.

Hip-Hop Wired

BEST DEAL UPDATE:

Meghan King Edmonds Reveals Her Beauty Advice for New Moms: Watch

She doesn't just wake up like that! The Real Housewives of Orange County star Meghan King Edmonds reveals to Us Weekly the best beauty advice she’s ever received, the makeup products she won’t leave home without, and her best beauty tips for new moms. Listen to what Edmonds, 32, had to say in our video series “Celebrity Beauty Secrets.” Watch the video above!

This article originally appeared on www.usmagazine.com: Meghan King Edmonds Reveals Her Beauty Advice for New Moms: Watch

Us Weekly Latest Celebrity Moms and Entertainment and Celebrity and Celebrity Body and Stylish News

BEST DEAL UPDATE:

5 Pieces of Money Advice for Young Adults About to Face the Real World

money advice

Spring is in sight, and right about now, you’ll see that anxious look on the faces of college seniors and other young adults about to face the real world for the first time. Even if they’re fortunate enough to have a job lined up, they are far from secure financially, and often have no idea how to handle their finances.

If this is you or someone you know, adopting these financial habits now will take the stress out of newly independent adulthood and pay off big in the long run.

 

1. Create a Spending Plan: A.K.A. Your Budget

 

It doesn’t have to be complicated—it’s just about listing and keeping track of all your expenses and income on a weekly or monthly basis. It may not be pretty, but it’s better than the stress of not knowing your financial status. Also, there are plenty of great budgeting tools that are easy to learn and use. A budget is key to gaining control of your spending, and a sense of control as you face the real world on your own for the first time will really reduce your anxiety.

 

2. Follow the First Rule of Personal Finance: Pay Yourself First

 

Begin building up your emergency savings right away, even if it’s only 20 or 30 dollars a month. Save at least 10% of every dollar you get from any source. This money should go into a fund for emergencies—i.e. job loss—only, and should be separate from all other savings and other accounts you have. Click here for dos and don’ts of creating and maintaining your emergency fund.

The earlier you get into the habit of paying yourself first, the easier it becomes, and the more secure you’ll be in the long run. Build these savings into your budget. It’s only smart to face the real world with a financial cushion, should you have to deal with an unexpected setback.

 

 3. Attack Your Student Loans—or, at Least, Don’t Ignore Them

 

If you have student loans, explore your repayment options, and exercise them, if you have to buy yourself time or reduce your payments. Whatever you do, don’t just ignore them. Not only are they not going to go away, they will just become bigger, thanks to interest and penalties, and even more intimidating over time. Besides, ignore them for too long, and your lenders may just take action and garnish payments from your paycheck, anyway.

Staying on top of your student loans is also important for another reason: protecting your credit, which can impact everything from employment consideration, to renting an apartment. It is much tougher to face the real world with poor credit.

 

4. Pay Your Bills—and Don’t Abuse Credit

 

Yes, paying your bills when they are due matters, as much as it matters to you that you actually get paid on pay day. In addition to avoiding late fees and other penalties you can’t really afford, 35% of your credit score is based on your payment history. (Click here to learn the other components of your credit score.)

Also, don’t abuse credit by using it to pay for things you don’t have the cash for. Keep credit card balances to no more than about 30% of the credit you have access to. That means if you have a credit card limit of $ 1,000, do your best to limit your balance owed to under $ 350.

 

5. Don’t Pass Up Job Benefits

 

If and when you get a job, don’t skip the employee benefits, including health insurance and making contributions toward a retirement savings account. Sure, your take home pay will be smaller, but the benefits are more valuable over time—especially if you get sick or injured.

 

The Bottom Line

 

The longer you put these off, the more costly it will be to you over time, and the more you will regret it. Bite the bullet and adopt good money habits early. You’ll get used to doing it sooner, and they’ll pay off in the long run. Best of all, you’ll be able to face the real world with optimism, not fear.

 

 


Black Enterprise Executive Editor-At-Large Alfred Edmond Jr. is an award-winning business and financial journalist, media executive, entrepreneurship expert, personal growth/relationship education coach, and co-founder of Grown Zone, a multimedia initiative focused on personal growth and healthy decision-making. This blog is dedicated to his thoughts about money, entrepreneurship, leadership and mentorship. Follow him on Twitter at @AlfredEdmondJr.

Money – Black Enterprise

FASHION DEAL UPDATE:

Shop select Free People sale and clearance items at Bloomingdales.com!

Career Advice from the Red Carpet at Black Girls Rock [Video]

Black Girls Rock! is a celebration that offers inspiration and hope to the next generation that they will close the wage gap and flourish against all opposition. Presented by BET and hosted by Taraji P. Hensonl Maxine Waters, Issa Rae, Black Enterprise BE 100s CEO Suzanne Shank, and more were honored for the work they do in their careers and in the community at the 2017 show.

 

 

We spoke with Antonique Smith, Mack Wilds, Bevy Smith, and more on their career advice to young black girls on the red carpet at Black Girls Rock 2017.

Grammy-nominated singer and actress Antonique Smith, whom we profiled when she hosted a successful Kickstarter campaign to launch her music career, shared her thoughts on what young women need to know to be successful in their careers. She said, “Know how incredible you are…Continue to focus on loving yourself and strengthening your inner-being so that nobody can say anything to you that makes you feel less than who you are.”

“You’re a queen. You are standing on the shoulders of other queens that have led the way for you. Anything you want to do is at your fingertips,” said Wilds. He also credited his early training in religion, education, and more to his growth.

Bevy Smith, who started out as a marketing executive before becoming one of fashion’s most celebrated TV hosts, gave a career gem to young women interested in a career in television. Smith said, “You have to find your passion. You have to find what you’re really good at because everything is not for everybody. There’s myriad ways to be on TV, so you have to find the one that works for you.”

Career – Black Enterprise

EMPLOYMENT UPDATE:

Bachelor in Paradise’s Carly Waddell and Evan Bass Share Their Advice For Making It As a Couple in the Bachelor Franchise

Evan Bass, Carly WaddellParadise is officially open!
Season four of Bachelor in Paradise begins tonight, with a new group of Bachelor nation singles descending upon a Mexican beach to try their hand at falling…

E! Online (US) – TV News

SPECIAL TIP UPDATE!

‘Dear Abby’ apologizes for advice about children and guns

Dear Abby is often thought to be an expert on all things etiquette, but she’s recently had to apologize for the advice she gave to a concerned mom. In a June edition of her advice column, Jeanne Phillips — who publishes Dear Abby under the pen name Abigail Van Buren, just like her mother before…
Media | New York Post

SPECIAL DISCOUNT DEAL:

Gold Medalist Simone Manuel Offers Advice on Swimming and Life

Simone Manuel

Two-time Olympic Gold Medalist Simone Manuel is only 20-years-old. However, her history-making win at the 2016 Summer Olympic Games—where she became the first African American swimmer to win an individual Olympic Gold medal—has allowed her to become a voice of expertise when it comes to matters of swimming and, to some extent, life.

 

Simone Manuel, the first African American swimmer to win an individual Olympic gold medal. (Photo courtesy of USA Swimming Foundation)

 

The Stanford University student is currently part of the USA Swimming Foundation’s “Make a Splash” initiative that, since 2007, has helped five million U.S. children learn to swim with free or low-cost swim lessons. The USA Swimming Foundation’s “Make a Splash” initiative partners with communities, learn-to-swim providers, and other national organizations to provide swimming lessons to children and families. Their goal is to reach one million children annually.

BLACK ENTERPRISE caught up with Manuel in a recent phone interview, where she discussed why she felt it necessary to participate in this initiative, as well as the importance of young people learning how to swim, aside from saving one’s life.

 

Insight From Simone Manuel

 

BLACK ENTERPRISE: Though an excellent skill to acquire, learning to swim can be a privilege for some, depending on where they live and what resources are available. However, you were able to learn how to swim by the time you turned age four. What can you say to parents and kids or teenagers about why swimming is a vital skill worth learning, especially at a young age?

Simone Manuel: I come from a very athletic family; my parents wanted their daughters to be engaged in sports.  It’s so vital to learn this sport; learning how to swim can save your life, and reduce the likelihood of you drowning by 88%. Swimming also allows kids to develop their social and communication skills and [teaches the value of] work hard and setting goals. I’ve learned a lot about myself and others [as a competitive swimmer]. Just being able to learn can make you a better swimmer, professional, or student.

 

BE: For even the most successful entrepreneur or professional, the potential for setbacks or failure will always be there. What advice do you have for readers on how to get back up to overcome challenges when things don’t go as planned?

SM: Remember the goal you had in the first place. You don’t always reach it the first time around, but that doesn’t mean you have to give up. I’m a firm believer in believing in the process; failure is part of success—if you don’t fail, you won’t [ever] know what success[truly] is.

 

Simone Manuel. (Photo courtesy of USA Swimming Foundation)

 

BE: What keeps you grounded and focused?

SM: I feel like I was born to do the sport of swimming. However, when I was growing up, my parents would stress how swimming wasn’t all that defined me; it wasn’t the only thing that made me, me. My friends and school have helped to keep me grounded. I have other responsibilities, too. There are other components of my life that allow me to do more than just sit back and think about what I’ve done—I also think about what’s next.

 

BE: What’s the best advice you’ve received that you’d like to share with those in your age group?

SM: Always believe in your dreams, and protect that. Don’t let anybody tell you that you can’t do or be something, because you can if you are willing to work hard and fight for what you want.

 

 

For more information about Make a Splash or to find swimming lessons near you,click here.

Lifestyle – Black Enterprise

EMPLOYMENT SEARCH UPDATE:

John Mayer Defends Justin Bieber in His Latest Piece of Advice on Twitter

John Mayer seems to have found more than just a new life calling. The artist who once told Rolling Stone he was looking for "the Joshua Tree of vaginas" seems to have found a

This article originally appeared on www.rollingstone.com: John Mayer Defends Justin Bieber in His Latest Piece of Advice on Twitter

Rolling Stone Latest Culture News

BEST DISCOUNT UPDATE:

Not Even Raven Saw Raven’s Home Coming–Plus, Find Out What Advice She’s Giving Her Young Costars

Raven's Home, Raven-SymoneShe has the power to see the future, but as the new Raven’s Home key art below tells you, Raven Baxter (and probably Raven-Symoné), did not see this spinoff coming. Raven posted the art…

E! Online (US) – TV News

SPECIAL TIP UPDATE!

Blacks May Receive Different Advice on Statin Therapy

statin therapy

We have a disproportionately high risk of cardiovascular disease, and statin treatment can be an effective tool in lowering the risk of plaque building up in the arteries. Statin guidelines from different organizations, however, can vary significantly, says a new paper published in JAMA Cardiology.

Guidelines released by the American College of Cardiology and American Heart Association in 2013 dramatically increased the number of people eligible for statins. But recent guidelines developed by the U.S. Preventive Services Task Force focus on a narrower population.

“We found one in four African Americans who would have been recommended for statin therapy under the ACC/AHA guidelines would not be recommended under new USPSTF guidelines,” said Venkatesh Murthy, M.D., co-senior author and cardiologist at Michigan Medicine. “We wanted to determine whether the right people were being identified for statin therapy.”

Dr. Murthy led a study of 2,812 African-American adults who participated in the Jackson Heart Study in Jackson, Mississippi, and were at risk for atherosclerotic cardiovascular disease. In 1,743 of the participants, researchers also analyzed the impact of calcification of the coronary arteries, which is associated with cardiovascular events, such as stroke or heart attack.

The study found the stricter USPSTF guidelines did not identify as many individuals with coronary calcification as the ACC/AHA guidelines.

“Because the USPSTF guidelines target those with the highest risk of atherosclerotic cardiovascular disease, they also may miss some African Americans with some vascular calcification and low or moderate risk,” said Ravi V. Shah, M.D., co-senior author from Massachusetts General Hospital and Harvard Medical School.

The results support further personalization of recommendations for statin therapy, including targeted imaging, said the researchers.

This is the latest work from the Jackson Heart Study, the largest single-site investigation of cardiovascular disease among African Americans. The full study includes more than 5,000 patients who live in rural and urban areas of three counties around Jackson, Mississippi. The subjects were examined three times over a period of nine years, beginning in 2000.

 

This piece originally appeared on BlackHealthMatters.com.

Lifestyle – Black Enterprise

BEAUTY DEAL UPDATE:

Steve Carell Finally Took Ryan Gosling’s ‘Crazy, Stupid, Love’ Advice IRL

Whose mans is this?

Style – Esquire

SHOPPING DEALS UPDATE:


Alec Baldwin Tweets Advice To Under-Fire Kathy Griffin

Actor Alec Baldwin has used Twitter to offer some words of comfort to under-fire comedian Kathy Griffin.

Griffin faced a backlash this week after she posed with a bloody mask depicting President Donald Trump’s decapitated head. At an emotional press conference on Friday, she slammed members of the Trump family for subsequently bullying her on social media.

Soon after, Baldwin tweeted Griffin his support:

“Kathy… fuck them. Fuck them all,” wrote Baldwin, who has also faced Trump’s repeated wrath over his potrayal of him on “Saturday Night Live.”

“No 1 believes u meant 2 threaten Trump,” he added. “Trump is such a senile idiot, all he has is Twitter fights.”

Baldwin also recalled a similar backlash he faced in 1998, when he sparked outrage for joking about killing the now late Rep. Henry Hyde (R-Il) on “Late Night With Conan O’Brien.”

Read all of Baldwin’s tweets here:

type=type=RelatedArticlesblockTitle=Related Coverage + articlesList=592e7edce4b055a197ce431e,590c19f5e4b0d5d9049b2c15,58036193e4b0162c043c7692

— This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

Comedy – The Huffington Post
ENTERTAINMENT NEWS-Visit Mobile Playboy today for the hottest adult entertainment online!

Don’t Bother Girls, and Other Life Advice from Bill O’Reilly’s New Book

How bout that.

Lifestyle – Esquire

SHOPPING DEALS UPDATE:


The Best Advice I Have for Coming Out to Your Family

It isn’t like ripping off a Band-Aid.

Lifestyle – Esquire

SHOPPING DEALS UPDATE:


The Advice I Follow: ‘Conquer by Continuing’

By James Smith
UCF Forum columnist

Even though they have the best of intentions, about this time of year many people start setting aside their New Year’s resolutions – if they haven’t already.

Do you have any left or have they all been abandoned for another try in 2018?

For me, there are the usual resolutions of losing weight, eating better, spending more time with the family, helping others more, cleaning out the garage, landscaping around the house, renovating the kitchen, etc.

To help me try to be successful and accomplish my goals, I keep in mind a simple quote by Scottish minister and hymnist George Matheson: “We conquer by continuing.” This direct approach by Matheson, who lived from 1842 to 1906, can be an encouragement for each of us.

This year, I decided to follow through with two resolutions that have eluded me for years.

On the health front, I want to lose weight and start eating better. To accomplish this, I have purchased a wearable device that tracks my activities and have started the logging process of exercise and daily life, including my food intake.

The other resolution is to learn a new language. The Hebrew and Greek languages have long fascinated me, so this year I am resolved to learn a Greek word every day with the help of a desktop calendar that focuses on Greek word studies. My goal is to learn enough Greek to start reading more of the original Greek texts from the early Christian church and expand my overall understanding of that particular period of time.

There are other benefits of keeping resolutions.

I hope to develop new habits for daily reading, study and other routines. Working on better time management can have a positive effect on other areas of your life that you may not realize. And eating better leads to exercise, which then leads to wanting to get more/better sleep.

If you feel better and have more energy, those long-lost “honey do” list projects seem achievable. Can I complete my “honey do” list in 2017? Only time will tell.

As we move deeper into 2017, I hope your resolutions are still intact and you are making progress on accomplishing the goals you have set for the year.

Keep George Matheson’s quote about perseverance in mind.

The Scotsman attended Glasgow Academy and the University of Glasgow, where he graduated first in classics, logic and philosophy. Then at age 20, he became blind, but persevered to enter the ministry. He dedicated the remainder of his life to theological and historical studies.

So, whatever you have resolved to accomplish, just like Matheson you can conquer by continuing.

Jim Smith is assistant director of the UCF Valencia Osceola Campus. He can be reached at Jim.Smith@ucf.edu.

— This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

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

The Bush Twins Have Advice for Sasha and Malia Obama

An open letter from the former First Daughters.

Lifestyle – Esquire

SHOPPING NEWS UPDATE:


The Best Advice Elle Fanning Ever Got Was From Nicole Kidman

The cover star of Elle UK’s February issue is none other than actress Elle Fanning, the star of movies like “Maleficent,” “Trumbo,” and the upcoming film “20th Century Women,” which will premiere Feb. 10.

As part of the magazine’s theme on finding happiness, the publication asked readers to send in their personal dilemmas and questions for Fanning to address, and the 18-year-old actress proved wise beyond her years. 

When asked about the best advice she’s ever received, Fanning said:

Nicole Kidman told me, “Find your tribe and they’ll always be behind you.” I like that.

Deep stuff, right?

Fanning also provided advice on how to move on from an ex when living in an age dominated by social media, cautioning, “ … between Snapchat and Instagram, you can see everything — especially them with a new partner. But it’s damaging so you have to stop.”

You can check out more of the interview here.

type=type=RelatedArticlesblockTitle=Related… + articlesList=5873f599e4b099cdb0feea52,5873c1d8e4b02b5f858a24d7,5873f1aee4b02b5f858a8d15

— This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

Entertainment – The Huffington Post
Entertainment News-Visit Adults Playland today for the hottest adult entertainment online!

Colorado Guide Flies: Patterns, Rigs and Advice From the State’s Best Anglers and Guides

Colorado Guide Flies: Patterns, Rigs and Advice From the State’s Best Anglers and Guides


Colorado Guide Flies: Patterns, Rigs and Advice From the State’s Best Anglers and GuidesPat DorseySTACKPOLE BOOKS, September 2015HardcoverISBN: 1-934753-33-5Our friend Pat Dorsey’s new book is awesome. What if you could peer into the fly boxes of the guides who make their living helping people catch fish, day in & day out? With this comprehensive guide to the best patterns for Colorado rivers & reservoirs, now you can. 600 color photos, 9×11 inches, 340 pgs. Scroll down for more details and availability
List Price: $ 29.95
Price: $ 29.95

Watch Megan Mullally’s Snarky Take On Old-Fashioned Sex Advice

Few things are as funny and cringeworthy as retro sex and marriage advice ― except maybe Megan Mullally reading the tips out loud.

In a delightful new video from Glamour magazine, the “Will and Grace” star gives a snarky reading of sex advice written as far back as 1680.

A 1917 book, for instance, suggests that an “excessive libido” on the part of either the husband or wife is grounds for divorce.

Mullally’s response?

“I knew a woman whose boyfriend had to have sex seven or eight times a day. That ― like, you’d be in the hospital,” she says. “But in 1917, probably just wanting to have sex, like, once a month was considered excessive.” 

Watch the video in its entirety above. 

type=type=RelatedArticlesblockTitle=Related Stories + articlesList=58499658e4b0905b34422b0d,57bc552fe4b03d51368aafe6,5813b60ae4b064e1b4b28ddc,577fc6c2e4b0344d514efb4c

— This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

Comedy – The Huffington Post
ENTERTAINMENT NEWS-Visit Mobile Playboy today for the hottest adult entertainment online!

Porn Stars Have a Vital Piece of Advice When It Comes to Dick Pics

Pay attention.

Lifestyle – Esquire

SHOPPING NEWS UPDATE:


Leslie Knope Responded to Trump’s Victory with Advice for Young Women

We needed this right now.

Lifestyle – Esquire

SHOPPING DEALS UPDATE:


Shopping Mommy Personalized Baby Shower Advice Card (Caucasian or African American)

Shopping Mommy Personalized Baby Shower Advice Card (Caucasian or African American)


All new moms-to-be love to shop for their little ones that will be here soon! They might even ask other mom’s for a little advice, so let’s help them out with our Personalized Advice cards. Give to each guest as she arrives, or pass them out during the shower as a fun game. Your guests will love giving them helpful hints! * Add personalization with the name of the Mommy-to-be and the event date on the front of the advice card * Each card measures 5″ x 4″ * The verse on the front reads:”Words of Advice for (your personalization here) If I could give you some advice on raising your new baby, it would be:” * This verse will automatically be printed on each card unless we are advised otherwise * Minimum order of 24 cards, must be ordered in multiples of 4 (ex. 24, 28, 32 etc.) * Advice Cards can be personalized with up to 2 lines; Depending on the amount of characters per line, the text on your favor may be smaller than what is shown. Our designers reserve the right to adjust the size of the font or graphic, if necessary.
List Price: $ 0.75
Price: $ 0.75

Fall Style Advice from the Designers of Want Les Essentiels

Plus, a tour of the brand’s new NYC boutique.

Style – Esquire

SHOPPING DEALS UPDATE:


What You Don’t Know and Your Boss Won’t Tell You: Advice from Senior Female Executives on What You Need to Succeed

What You Don’t Know and Your Boss Won’t Tell You: Advice from Senior Female Executives on What You Need to Succeed


To move ahead in your career you need to be concerned about many issues that are not taught in school or the company handbook. What You Don’t Know and Your Boss Won’t Tell You covers a wide range of topics explored candidly by experienced female executives who learned how to navigate the unspoken and often debilitating rules of corporate life. This book will show you how to actively manage your career, communicate in the language of business, find leadership opportunities and good mentors, and develop a personal style that projects confidence and competence. The book also shows how you can handle the nuances of dating, emotions, and office politics, how to understand the rigors and rules of business travel, and ways to balance work and family comfortably. Unlike other books geared toward women on how to succeed in corporate life, What You Don’t Know and Your Boss Won’t Tell You offers specific advice from a group of successful female executives that will help empower women to take char
List Price:
Price:

The Absolute Worst Beauty Advice on the Internet

The Internet is great. We’re big fans. Thank you, Al Gore! But that doesn’t mean it’s not a black hole of terrible beauty advice that ranges from tediously ineffective to flat-out dangerous. Here, we debunk the craziest tips on the World Wide Web.
The latest from allure.com
A summer ponytail essential; one do-it-all eye treatment; and fluttery lashes with no 5 o’clock shadow.
The latest from allure.com
MillionaireMatch.com - the best dating site for sexy, successful singles!
MillionaireMatch.com – the best dating site for sexy, successful singles!

Yes You Can: Timeless Advice from Self-Help Experts

Yes You Can: Timeless Advice from Self-Help Experts


Be thinner, smarter, and sexier "now" with this irresistible collection of ready-to-use tips and tricks from the optimistic golden age of self-improvement, when a better you was never more than three steps, fifteen minutes, or a lie-down on the Magic Couch away. "Yes You Can" is a jaw-dropping, life-changing gallery of material from books, records, advertising, and gadget packaging from the 1920s-1970s–before the modern complex and endless recovery– when you could still "Solve Your Sex Problems with Self-Hypnosis" or "Raise Children in Your Spare Time." Author Jennifer McKnight-Trontz assembles over 200 color and black-and-white illustrations and real charts, tips, and advice. Mind-expanding and waist-reducing, "Yes You Can" is here to help.
List Price:
Price:

Guest Advice Columnist: Lorde!

Topical Magazine is delighted to have 18-year-old global pop music phenomenon Lorde joining us this week as our guest advice columnist! She’ll be taking your questions in this special edition issue and giving you her take on whatever you need advice on!

~

Dear Lorde,

I started a new job and one of my co-workers is this cute guy who recently graduated from NYU. He’s a total babe! I totally have a thing for him but I don’t want my romantic and professional life to clash, but I like him more and more everyday! My friends say I shouldn’t pursue it, but the more I ignore my crush, the more I like him! What should I do?!

-Allison Greenhalgh, 24, New York City

Allison,

Don’t let your friends be such a Gwyneth Paltrow. Oh, you should know I’ve replaced saying “buzz kill” with “Gwyneth Paltrow.” First, you need to find out more about him. Try to inconspicuously cut off a lock of his hair. Then try to inconspicuously get him to pee in a cup. Then inconspicuously show up at a protest he’s attending in Washington Square Park (he went to NYU, let’s be honest). Then inconspicuously corner him at his local bodega and ask him what he thinks about the possibility of you two getting romantically involved. This will determine the possibility of you two getting romantically involved.

Hope this helps!
-Lorde

~

Dear Lorde,

OMG!!! BIG fan here. HUGE fan, actually! I don’t even want to talk about my problem (I’m a 33-year-old nurse practitioner with a crippling addition to the lazy river at water parks). I just want to gush! I love your songs “Team” and “The Love Club.” How can I be just like you?!

-Cameron Lipkin, 33, Atlantic City

Cameron,

Everyone should honor their individuality, but if you want try some things that I sometimes do you can: amalgamate haute couture with fun sportswear. Google “DIY hexes.” Hang out by a creek. Walk into Ann Taylor Loft while burning sage. Make a mosaic of Sylvia Plath’s face out of baby teeth. Dip your hair in blood and whip it back and forth at a Lady Antebellum concert. Draw a pentagram in a highly concentrated area of body glitter on a sorority girl’s shoulder. Google “Is the Blair Witch lonely?” Have a hearty laugh at some popular teens at the mall.

Hope this helps!
-Lorde

~

Dear Lorde,

My friends and I started this new punk band called The Sexual Pen Pals. We were wondering if you’d consider us opening for you if we sent you some of our demos! Also, our question is: how do we combat any sort of creative ruts we may face along the way?

-Brian Dobson, 22, Brooklyn

Brian,

I accept this offer! I accept it with a passion of a thousand burning suns, the enthusiasm of a college freshman at their first extracurricular meeting, and the joy of finding out your favorite 90’s TV show has just been uploaded to Netflix. In regards to creative blocks: go rent a private room at a karaoke bar and scream yourself hoarse.

Hope this helps!
-Lorde

~

Dear Lorde,

My roller derby team, The Varicose Vein Vixens, is throwing our annual benefit BBQ and I feel like every year I’m always the one who is always doing everything. How do I tell my teammates I feel like I’m always picking up everyone’s slack without coming off as a Bitter Betsy?

-Sloan “Frosted Tip$ ” McEwen, 43, Pittsburgh

Sloan,

Smear the darkened, charred part of black forest ham underneath your eyes and take your frustration out on some interns by beating them with brooms. Once you’ve calmed down a bit, calmly express how you’ve been feeling to your teammates. Then go off on a 45 minute diatribe expressing how gross the watery discharge that comes out of a freshly opened bottle of ketchup is because, right?!?!

Hope that helps,
-Lorde

~

Dear Lorde,

I just had a really tough break-up. We have a close mutual friend who has a birthday coming up and my ex going to be there. I’m still heartbroken over him, what should I do when I inevitably bump into him?

-Jamie Richards, 19, Tampa

Jamie

Keep your head held high and when he asks how you’re doing keep repeatedly saying “I’m fine!” while building volume into a scream until he runs away.

Hope this helps!
-Lorde

— This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

Comedy – The Huffington Post
ENTERTAINMENT NEWS-Visit Mobile Playboy today for the hottest adult entertainment online!

3 Questionable Pieces Of Dating Advice From Aziz Ansari’s ‘Modern Romance’

modern romance

Aziz Ansari, known to many as the dapper Tom Haverford on “Parks and Recreation,” and known to still more as a brilliant, subversive comedian, wants you to find love. Yes, you. (Don’t worry about him, he’s already found it and it sounds pretty great.)

His new book, Modern Romance, features a zany cover and the opening line “Oh shit!”, but let there be no confusion: This is not exactly a humor book. Aziz explains in the introduction that he’s never had interest in writing a humor book because he “thought stand-up was the best medium for [him].” Instead, he developed an obsession with the modern dating landscape and decided to write a book about that, collaborating with a sociologist Eric Klinenberg to conduct an enormous amount of research on dating and relationships.

Modern Romance compiles numerous anecdotes from his stand-up, their focus groups, and a subreddit they set up, as well as studies and conversations with prominent psychologists and relationship experts. Want to know all about dating these days, plus occasional, weird Photoshopped graphics? This book has that total package.

Aziz doesn’t position this as an advice book, either, but there’s no avoiding a certain degree of prescriptivism when it comes to analyzing what does and doesn’t work in the dating sphere. He points out that research suggests having lengthy online interactions prior to meeting up isn’t helpful, and can waste your time and emotional energy — that seems to be true, and the underlying message is, well, don’t do that.

With that in mind, my skeptical, dating-averse brain began automatically scanning the book for awful advice. I’m hardly qualified to do so, considering the following: I am in a relationship that predated the rise of Tinder; I used OkCupid for roughly a week at a time at six-month intervals during my single years; I once told three guys I was shutting down my OkCupid account in large part because I couldn’t think of a more tactful way to avoid seeing them again (they were so nice!). And then I actually shut down my OkCupid account so I wouldn’t be a liar. I have never been on more than three dates with anyone but my boyfriend, and I never figured out how to get in on the booty-call game. Out of the two of us, Aziz must be more qualified to give relationship advice.

And yet … some of the dating advice in Modern Romance really does seem a bit questionable. Here are the three most ehhhh bits of romantic guidance he offers to the single reader:

aziz ansari

“Participating in novel and exciting activities increases our attraction to people … If I look back on my dating life, I wonder how much better I (and the other person) would have fared if I had done something exciting rather than just get a stupid drink at a local bar.”

Now, sure, being nervous or excited about something else can make you feel more attracted to the person you’re with; Aziz references a famous study involving a sturdy bridge, a rickety bridge and an attractive woman handing out her phone number to men at the end. The men who just faced near-certain death on the perilous rocks below were significantly more likely to give her a ring. “The Bachelor” also has this figured out, which is why every date involves free-falling off a skyscraper or playing with venomous serpents. Afterward, every woman is convinced she adores the man who free-fell with her. That, or her legs are just shaky with pure terror, but who can tell the difference?

Question: So why do all those “Bachelor” couples break up? Seriously though. If your attraction was just misfiring anxiety neurons, what happens when those neurons chill out? Do you have to spend your entire relationship going hang-gliding? He relays a couple anecdotes in which an exciting, unconventional date made an impression or led to a second, but doesn’t say any of them led to true love. Meanwhile, Aziz looks back regretfully on all those “stupid drink[s] at a local bar,” but his first date with the woman he loves was just plain old dinner. (My first date with my boyfriend, full disclosure, was a stupid drink at a local bar.) I bet Aziz’s first date was as thrilling and heart-pounding as my first date was, because sharing a conversation with the right person can be more than enough. Personally I’m kinda glad I filtered out the other people earlier on instead of tricking myself with adrenaline rushes.

You know, unless it has lasting effects. In which case I’m down to handle snakes with my gentleman friend, For Love. It’s worth noting, however, that these studies typically involve single individuals whose attraction to strangers is being observed or rated. In a 2003 study that examined sexual attraction after a roller-coaster ride (wheee!), single riders showed a notable uptick in their ratings of strangers’ photos after the ride, but coupled riders showed no increase in attraction either to photos or to each other. Whomp whomp.

tinder dating

“So based on these data, the answers are clear: If you are a woman, take a high-angle selfie, with cleavage, while you’re underwater near some buried treasure.”

To be clear, I know Aziz’s tongue is jammed so far up his cheek it’s basically in his ear. That said, he goes into a fair amount of detail about what photos get you more messages on dating sites, suggesting that using the right photos to get more messages is part of being “good” at online dating. For a woman, this means coyly smiling, high-angle selfies, which makes sense, on a basic level. She looks friendly but also a bit mysterious, and the angle tends to be flattering — it emphasizes your eyes and makes your chin seem to taper delicately, creating a more traditionally feminine visual.

Question: But if you’re looking for the right person, not just a person, is attracting higher numbers across the board necessarily the way to go? Women already tend to be flooded with generally distasteful attention on dating sites. Try pre-filtering the shallow dolts by using normal photos, or only using watercolors you’ve painted of your cat, or by mentioning in your profile that you’re a vocal feminist (only if true, of course). In my OkCupid experience, the latter cut down on gross come-ons and allowed me to easily find and meet up with a few really awesome dudes. If I hadn’t gotten tired and quit dating after about six tries, I probably would have met someone perfect!

Men, this may not be as much of a problem for you, but still — do you want all that additional attention from women who wouldn’t notice you if your photo wasn’t quite right? Maybe you do, in which case, take Aziz’s advice. You should really read his book, but here’s a hint: Do not look at the camera.

text message

“All the psychological principles seem to point to waiting being a strategy that works for singles who are trying to build attraction … When you are texting someone less frequently, you are, in effect, creating a scarcity of you and making yourself more attractive.”

Aziz pulls out a lot of psychological research to explain why people ignoring us makes us want them, and he’s not wrong. We spend time thinking about whether they’re actually into us or not. We wish we had more from them, because we can’t easily get a response from them, let alone time with them. Much like a cute dress we see in the window of a boutique, we obsess over it more when we feel like we can’t afford it — once we buy it, it just sits in our closet like all our other crap. Don’t you want potential romantic partners to obsess over you?

Question: But … all things in moderation, right? You don’t want to deluge a suitor with texts, love letters and DMs before the romance has had a chance to naturally ripen, leaving the poor guy or gal wishing they had the opportunity to miss you occasionally. On the other hand, that stomach-churning obsession over whether he hasn’t texted back because he’s really busy at work or because he met a supermodel in the last 12 hours and is already shopping for her engagement ring isn’t exactly healthy, especially once the romance has become established. It’s a sign of insecurity about your relationship.

So, okay, space out your texts so your message convo doesn’t feel like a frenzied textual Ping-Pong match. But don’t start your relationship off with a pattern of psychological antagonism! A 2013 study about the impact of texting on relationships suggested that while texting to express affection increased relationship quality, texting hurtful things or attempting to resolve issues over text decreased it. Moreover, the authors wrote, “even communication instigated through technology connections may help emerging adults feel that their romantic partners are accessible, responsive, and engaged, or vice-versa.”

Sensing this textual availability from one’s partner, they note, makes one more secure in the relationship and therefore more comfortable exploring beyond it. If your girlfriend is always good about texting you back when she can, then the occasional failure to do so may feel less threatening — your security in the relationship will allow you to assume that the delay isn’t malicious and that you’ll be fine until the response comes. So, make the other person feel secure that you’ll respond! Let them make you feel secure! Be vulnerable! Generally just, I don’t know, act like a sane, nonwithholding person.

So I wasn’t sold by every page of the book. Still, even my deeply cynical, introvert’s brain found most of the insights and tips in Modern Romance to be pretty solid. If you, or your highly eligible son or daughter, are navigating the treacherous waters of dating today, you’ll want to know which parts of people’s online dating profiles are helpful and which are simply leading you astray, for example, and this book has got you covered.

Plus, Aziz has a serious girlfriend now, so he must have figured something out.

So as a bonus, I’ll leave you with my favorite piece of non-questionable dating advice from Modern Romance:

“With so many romantic options, instead of trying to explore them all, make sure you properly invest in people and give them a fair chance before moving on to the next one.”

One date almost never gives us a real shot at getting to know a new person well enough to make a decision about a relationship, but if you feel like there’s another option around every corner, you might not want to “waste” time on a second date with someone who didn’t blow you away. Or, if you’re a socially anxious introvert like me, you might not want to “waste” time on a second date with someone when you could, instead, be at home enjoying a glass of wine and a book with your cat. Aziz points out, “A person may seem just okay, but if you really invest time in the relationship, maybe they’ll be greater than you assume.” Familiarity does tend to lead to warm feelings, and a nonstop merry-go-round of new strangers means no familiarity. Ever!

Aziz also remembers a time when he felt scared about committing to a relationship when he wasn’t yet totally head over heels in love — but he made the decision to dive in and give the budding romance its best shot. Dive into your relationships, treat them like a project shared by you and your partner, and you’re bound to get better results than if you sit back and wait for them to impress you. “Modern romance” notwithstanding, it’s true today as it was for our grandparents. Good call, Aziz.

aziz ansari

Aziz Ansari’s Modern Romance will be published June 16 by Penguin Press.

— This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

Weddings – The Huffington Post
FASHION NEWS-Visit Shoe Deals Online-Fashion News today for the hottest deals online!