Big Brother’s Swaggy C, Bayleigh Plan to Move in Together

Big Brother’s Swaggy C and Bayleigh Dayton will soon be roommates once more. The couple — who began a showmance on the CBS show — also plan to live under the same roof in real-life.

“It’s crazy but we talked about moving in with each other after the show ends,” the day trader exclusively tells Us Weekly. “When you confide in someone and can put 100 percent trust in them it grows fast. You see them at their worst, you sleep with them every night, you see them at their best.”

Swaggy and Bayleigh
Swaggy and Bayleigh Sonja Flemming/CBS (2)

Swaggy C (real name: Chris Williams) says that the pair had a four-hour conversation about their future the night before he was evicted. His backdoor was orchestrated by Head of Household Kaitlyn Herman and he lost to Winston Hines by a 8-4 vote.

It didn’t take long for Swaggy C, 23, and Bayleigh, 25, to align. In fact, the Bridgeport, Connecticut, native says they’ve used the “boyfriend and girlfriend” labels since day 10 in the house.

Swaggy and Bayleigh
Swaggy and Bayleigh CBS

“It’s her personality,” he tells Us on what he loves most about the Atlanta-based flight attendant. “How much she actually cares for me, aside from the game, in terms of me bettering myself. She’s genuinely concerned about that and not so much her physical attraction, so that’s the main thing that attracted me to her.”

It’s way too early to discuss marriage, though. He adds: “That is obviously way far down the road.”

For more, read the rest of his Q&A below:

BIG BROTHER
BIG BROTHER Sonja FlemmingCBS

Us Weekly: What was going on in your head when Tyler Crispen used the Power of Veto on Scottie Salton?

Swaggy C: I’m looking at Fessy [Shafaat] and I see him pissed off and I’m looking across from me and I see Rockstar’s [Lantry] head’s down. Looking to my right and I see Kaitlyn is crying. I knew it was going to be me for some reason. I knew it before she ever said my name.

Us: Do you wish you had said something to Kaitlyn during the ceremony?

SC: No because I knew she could have broke the tie and I felt like if I flipped out on her then at the end of the day she probably wouldn’t have broke in my favor. So that’s why you saw me playing to her emotional side and her heart. If I knew the votes were going to be 8-4 and lopsided like that, I would have flipped out on every single person in that house before I left.

Us: Do you think she has too much blood on her hands now after nominating you?

SC: It’s going to backfire on her … I always said that I was going after Brett [Robinson], Winston, Angela [Rummans], and Rachel [Swindler] if I won HOH. They could have waited until I did that and then got me out but they did it too early. Now my side doesn’t like them as opposed to playing both sides and me keeping them safe and then letting me take the heat and be the threat and they could fly under the radar. But now their game is shown.

Us: How many personalized shirts did you bring into the house?

SC: I only brought seven in the house — or eight — and I left four in the house. Threw three in the crowd. I only got one on right now. I have a lot more at home but those are the one’s I brought to the show.

Us: When did you start making them?

SC: Literally a month ago I made them because I wanted this summer for me to only wear stuff that has my name on it. And then I did that and I got the call that said I was on Big Brother so I was like, you know what, let me just bring the shirts since I’m on the show. I didn’t make the shirts for the show. People think I made it for the show to sell it. No, I literally made it for myself.

 

Host Julie Chen interviews Chris Williams
Host Julie Chen interviews Chris Williams Monty Brinton/CBS

Us: Did you know far in advance you were going to throw the shirts into the crowd before speaking with Julie Chen?

SC: I actually thought of it days before. I was like, alright if I ever get evicted I’ll just throw them out in the crowd. But my speech — I didn’t think of that until an hour beforehand. … I was literally thinking about it for maybe 5-10 minutes and then ran off with it.

Us: Do you usually give yourself pep talks the way you did on the show?

SC: Not pep talks but I do talk to myself from time to time, when I analyze things. Instead of thinking in my mind I kind of say it out loud.

Us: Where does your confidence come from?

SC: I always say that whether people love me or hate me, at the end of the day when they see me, their face makes a reaction. Whether it’s a good reaction or a bad reaction I’m not going to walk into a room and you’re just going to ignore me. I thrive off of that, which is why literally my high school yearbook quote was, “Whether you hate me or love me you’ll always remember me.” I live by that every day.

Us: What are three words to describe your BB experience?

SC: Greatest summer ever. Even though it was only 23 days it’s still great to be in that house.

Season 20 of Big Brother airs on CBS on Sundays and Wednesdays at 8 p.m. ET and Thursdays at 9 p.m. ET.

Us Weekly

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God’s Plan? Drake Makes History With 7 Of The Top Ten Songs On Billboard

(Photo by Jonathan Short/Invision/AP)

NEW YORK (AP) — Drake officially owns the Billboard charts, where seven of his songs currently sit in the Top 10.

All 25 tracks from Drake’s ultra-popular “Scorpion” album, released on June 29, are on the Billboard Hot 100 chart.

His former No. 1 hit, “Nice for What,” returns to the top of the chart, while “Nonstop” debuts at No. 2. Drake’s other songs in the Top 10 are “God’s Plan,” ”In My Feelings,” ”I’m Upset,” ”Emotionless” and “Don’t Matter to Me,” which includes previously recorded vocals from Michael Jackson.

Drake’s new feat breaks the Beatles’ 1964 record, when five of their songs reached the Top 10 in the same week.

Overall, Drake has 31 Top 10 hits, tied with Rihanna. They only trail behind The Beatles (34) and Madonna (38).

“Scorpion” sold 732,171 equivalent albums — based off album sales and streams — to debut at No. 1 on Billboard’s 200 albums chart. The album earned a record-setting 745.9 million on-demand audio streams and is his eighth No. 1 album on the chart.

Since 2009 Drake has launched 186 songs on the Hot 100 chart. He is second to the cast of “Glee,” which has had 207 songs enter the chart.

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YouTube’s $25 million plan to fight fake news includes article links, more global support

YouTube will start adding previews and links to written news articles in its search results in order to combat fake news around current events and hot-button topics. It will also provide more global support to news organizations. 
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GE CEO Flannery – The Man With A Plan

A 30-year GE veteran, top man Flannery is no run-of-the-mill guy. When he assumed leadership of the struggling GE Healthcare business in 2014, the general consensus was he would spin-off or sell the segment, but he did neither. Today, Healthcare is one of the strongest arms of GE, and a notable player in the production of cell therapies and biologics – the cutting-edge of biomedical research.
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Kaiser Permanente Receives Women’s Choice Award as California’s Most Recommended Health Insurance Plan and America’s Best Hospital Awards

PASADENA, Calif. Kaiser Permanente Southern California has received the Women’s Choice Award® designation, “California’s Most Recommended Health Insurance Plan,” as well as its medical centers throughout the region receiving multiple “America’s Best Hospitals” awards that include: Best Patient Safety, Best Hospital for Obstetrics, Best Stroke Care, America’s 100 Best Hospital, Best Bariatric Surgery, and Best Breast Center.

The Women’s Choice Award® identified “America’s Best Hospitals” across the nation to help women make smart healthcare choices. The Women’s Choice Award® methodology is based on surveys of tens of thousands of women, as well as research conducted in partnership with the Wharton School of Business on what drives the consumer experience for women vs. men.

In addition, the organization distributed a statewide survey to more than 10,000 women who reside in California, these women were asked to identify which health insurance plan they would highly recommend to their friends and family. Kaiser Permanente received its evidence-based designation, “California’s Most Recommended Health Insurance Plan” from these results.

“We pride ourselves on our patient-centered, integrated approach that creates high quality care,” said Julie Miller-Phipps, president of Kaiser Foundation Health Plan and Hospitals, Inc., for the Southern California Region. “It’s gratifying when data supports our approach and show us that our members choose Kaiser Permanente with confidence, knowing that we put their health and safety first.”

According to the Women’s Choice Award®, market research shows that women influence more than 90 percent of family healthcare decisions; and a national survey conducted by the Women’s Choice Award® determined which hospitals and services women would highly recommend in today’s marketplace. These hospitals had to meet exceptionally high standards regarding women’s unique needs and preferences.

The following Kaiser Permanente Medical Centers received one or more designated Women’s Choice Awards®, to view the detailed list please click here:

Kaiser Permanente Orange County Medical Center, Kaiser Permanente Baldwin Park Medical Center, Kaiser Permanente Downey Medical Center, Kaiser Permanente Panorama City Medical Center, Kaiser Permanente South Bay Medical Center, Kaiser Permanente Woodland Hills Medical Center, Kaiser Permanente Los Angeles Medical Center, Kaiser Permanente West Los Angeles Medical Center, Kaiser Permanente Fontana Medical Center, and Kaiser Permanente Moreno Valley Medical Center.

About Kaiser Permanente
Kaiser Permanente is committed to helping shape the future of health care. We are recognized as one of America’s leading health care providers and not-for-profit health plans. Founded in 1945, Kaiser Permanente has a mission to provide high-quality, affordable health care services and to improve the health of our members and the communities we serve. We currently serve more than 12.2 million members in eight states and the District of Columbia. Care for members and patients is focused on their total health and guided by their personal Permanente Medical Group physicians, specialists and team of caregivers. Our expert and caring medical teams are empowered and supported by industry-leading technology advances and tools for health promotion, disease prevention, state-of-the-art care delivery and world-class chronic disease management. Kaiser Permanente is dedicated to care innovations, clinical research, health education and the support of community health. For more information, go to: www.kp.org/share.

The post Kaiser Permanente Receives Women’s Choice Award as California’s Most Recommended Health Insurance Plan and America’s Best Hospital Awards appeared first on Kaiser Permanente Share.

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15 Keto Diet Plan Dinners You’ll Want to Cook Up ASAP

Almost any recipe can be altered to become a keto diet plan dinner favorite. A little less carbs and a little more fat make these dinners right on point. Best of all, they’re totally delicious, which will help you stay on track.

The post 15 Keto Diet Plan Dinners You’ll Want to Cook Up ASAP appeared first on Reader's Digest.

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Netflix tests new price increase strategy for ‘Ultra’ subscription plan

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Netflix price changes are always controversial. But luckily, it looks like the streaming company’s latest strategy for getting more money out of users won’t affect most of us (for now).

The streaming giant confirmed to CNET that it has been testing out a new tier for its pricing models for select users in Europe: a €16.99 per month “Ultra” subscription plan, which would provide exclusive access to HDR (high dynamic range) content.

“We continuously test new things at Netflix and these tests typically vary in length of time,” Netflix spokeswoman Smita Saran told CNET. “In this case, we are testing slightly different price points and features to better understand how consumers value Netflix.” Read more…

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Experts cast doubt on plan to have trapped soccer team scuba dive out of cave

Experts in cave diving say a plan floated to extract 12 boys and their soccer coach from a cave in Thailand by teaching them to scuba dive may not be the best option.
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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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This Simple 7-Day Plan Will Help You Conquer Your Money This Week


One week. Just seven days. When you think about it, it’s amazing what you can accomplish over the course of one week when you dig in your heels and go for it.

You’ve devoted that much time to the gym and the salad bar so you could fit into that outfit before next weekend’s wedding, right?

Now it’s time to give the same attention to your finances. I know it’s not fun, but you’re adulting now, right? Here’s the good news: By tackling just one thing each day for one week, you can boost your financial life now and for years down the road.

Let’s take it one day at a time.

Sunday: Make Money While You Watch TV

Young woman relaxing in the living room, drinking wine and watching tv
freemixer/Getty Images

Rise and shine! It’s time to get your seven day financial fix up moving!

Start out your week by earning a little extra money without turning off the TV or even taking your feet off the coffee table. Luckily, you can do all of this on your computer or phone.

Surveys aren’t the quickest way to make money, but they’re a great way to cash in on your down time. Fill them out while you’re watching TV, riding the bus or waiting in line.

One survey site we love is called InboxDollars. It offers several short daily surveys you can take. If you take all of them each day, you could earn an extra $ 730 a year — not too bad.

Monday: Get Your Bills in Sync

phone and money on desk
Carmen Mandato/The Penny Hoarder

OK, you’ve recovered from the weekend. Let’s not hit snooze on our financial game plan. It’s Monday, and it’s time to get to work. There’s no time to get a case of the Mondays.

Think about all your bills. Rent, utilities, your cell phone. Ugh.

Keeping up with all these bills is tough. It’d be nice to just sync them all and receive automatic reminders for them each month, right?

Rather than manually penciling bills into your calendar, download Prism. The app lets you connect all your accounts — and even pay all your bills — in one spot. Once you’re connected, it’ll automatically sync your bill info and set up reminders for you.

Turn on notifications to get payday reminders and notices when your water bill is due, for example. This will help you plan your month and avoid any late fees. And because you’re making these payments on time, it could even boost your credit score.

The app is free for consumers. (Prism makes its money from the bill provider.)

Download the app, and effortlessly keep close tabs on all your bills from here on out.

Tuesday: Put This App to Work on Your Savings

woman holding phone outside
Chris Zuppa/The Penny Hoarder

Did you know that Tuesday is the most productive day of the week, according to one survey reported by Business News Daily? It’s time to bear down and take a hard look at your finances and what’s lacking.

Saving money is tough. So what if you could do it in a way where you wouldn’t even notice?

Digit makes that possible.

This innovative app automates saving for you. Simply link it to your checking account, and its algorithms will determine small (and safe!) amounts of money to withdraw into a separate, FDIC-insured savings account.

Bonus: Penny Hoarders will get an extra $ 5 just for signing up!

Using this set-it-and-forget-it strategy, Matt Wiley saved $ 4,300 without noticing — read his Digit review.

Digit is free to use for the first 100 days, then it’s $ 2.99 per month afterward.

Wednesday: Get Over the Hump With This Free Check up

mature woman relaxing in hammock
PamelaJoeMcFarlane/Getty Images

Happy Hump Day! Just four days in, and you’ve already made great strides toward a better financial life.

If you’re saving for your retirement with a 401(k), awesome.

But when’s the last time you truly checked in on your account, adjusted your allocations, addressed any fees and all that other fun stuff?

Try using a robo-adviser to make sure your 401(k) is on track with your retirement goals. Blooom is an SEC-registered investment advisory firm that’ll optimize and monitor your 401(k) for you.

Your initial account check up is free, and you can do it online in less than five minutes. This will help you get to know your account a little more intimately. Find out whether you’re paying too much in investment fees, have the appropriate amount of money invested in stocks versus bonds, that kind of stuff.

If you’re satisfied with the outcome of your initial check up, great! If not, you can enroll in Blooom for $ 10 a month. (Penny Hoarders get one month free.) It’ll automatically adjust your 401(k) to best fit your needs all the way up to retirement.

Thursday: Crush Your Debt

Stack of multicolored credit cards
Kwun Kau Tam/Getty Images

Did you know Thursday is named in honor of the Norse god Thor? It’s only appropriate, because now it’s time to hammer away at your debt. See what I did there? Thursday, Thor, hammer?

Have you ever considered consolidating your debt? It could substantially lower payments you’re already making and help you save more money each month.

A lot of us are being crushed by credit card interest rates north of 20%. If you’re in that boat, consolidation and refinancing might be worth a look.

A good resource is online lending platform Upstart, which can help you find a loan without relying on only your conventional credit score.

Unlike traditional underwriting models that use only the common FICO scoring model, Upstart’s technology looks at factors like your education and employment history to determine your creditworthiness.

It can help you borrow up to $ 50,000, potentially with better terms (e.g. lower interest or lower monthly payments) than traditional lenders. If managing many different bills and credit lines is a hassle, you can also use an Upstart loan to streamline all of your loans into one.

Friday: Sit Back, Relax — and Get a Free $ 5

man checking phone on couch with dog
Chris Zuppa/The Penny Hoarder

Yes! Stay with me. You’re doing great. Today’s tip lets you take a load off.

If you’re like most of us and wish your money would just take care of itself, consider starting an investment account through Acorns.

Acorns is an app that automatically rounds up your credit or debit card purchases to the nearest dollar and invests the spare change.

That means if you spend $ 10.23 at the grocery store, 77 cents gets dropped into your Acorns account. Once you hit $ 5, Acorns will automatically invest it.

The idea is you won’t miss the digital pocket change, and the automatic savings stack up faster than you’d think. For example, we reviewed how Penny Hoarder Dana Sitar was able to save at a rate of $ 420 a year!

Acorns will give Penny Hoarders a $ 5 bonus for signing up, and average interest earning is around 7%.

Passive income!

Saturday: Play the Slots — and Boost Your Savings

two friends looking at phone
Chris Zuppa/The Penny Hoarder

You made it! It’s Saturday, and it’s day seven of your seven day financial fix up. You’ve done amazing things! Time for a little fun.

Are you more of the “sit at home and play video games” type of person but you’re making yourself read this because you’re determined to get this adulting thing down?

The folks who created Long Game have you covered with a game that’s fun and helps you achieve your financial goals.  

As you save and accomplish missions you’ll earn coins to play mini games for cash prizes! We’re talking the classics, like slot machines, scratch-offs and spin-to-win wheels.

Penny Hoarder Carson Kohler uses Long Game to save money. Every two weeks, it sneaks $ 5 out of her bank account and rewards her with coins.

In two months, she’s saved $ 35.70, just by playing games on her phone. Plus, her winnings amount to a gain of about 2% — way higher than interest on any other savings account she has.

Once you link your bank account, you’ll earn 300 points, so you can start playing while you wait for payday.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. He’s declared that Mondays are the new Saturday. Catch him on Twitter at @Tyomoth.

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

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Expert Tips for Selecting the Right House Plan

The Winchester plan offers a great open
concept kitchen and family room for informal
entertaining and a separate dining room for
more formal events!

It can be a little overwhelming to decide between so many fantastic options so we asked Diego Rizzardo of SanDiego Homes to share some of the tips he uses to help homeowners pick the best home plan for their lot at their Lakeside Living community in Innisfil!

LIFESTYLE Consider the daily needs, activities and hobbies of those who will live there. If you love to cook, a kitchen with plenty of pantry and workspace is a must. If you are a fitness buff, choose a plan that allows space for a gym. If you work from home, you will need space for a home office. Another important aspect is your entertaining style. “If you often have a large number of guests, a flexible, open concept space is a must,” says Diego. “If you prefer a more intimate setting, you may want a plan like The Winchester that has a separate, formal dining space.” You will also want to consider bedroom space if guests often stay overnight.

The Strathmore plan offers bungalow style living
with plenty of space for guests, perfect for
those who love to entertain and want a home
that will allow them to age in place.

CURRENT AND FUTURE NEEDS It is important to consider how your needs may change over the next 5-10 years. A newlywed couple may feel that a two bedroom plan is perfect for them but if they plan to have children in a few years, they will outgrow that plan quite quickly. For older homeowners, it is important to consider future health and mobility needs. “We offer a variety of bungalow style plans that will allow homeowners to age in place without costly renovations down the road,” says Diego. “Wide hallways are also standard in all models to ensure ease of mobility.” A main floor laundry, master bedroom and bathroom may not seem like a necessity right now but may greatly affect your ability to live independently in the home later in life!

PROPERTY AND LOCATION The lot you are building on and the surrounding area may also affect your decision. How will the position of the sun and wind direction affect the home? What is located on each side of the property? Large windows that take in a beautiful view of the sunset are great but those same windows facing the side of the neighbor’s home are much less enjoyable. “Choose a plan that will take advantage of the best aspects of your property.” says Diego, “But also consider available outdoor space and choose a plan that leaves space for outdoor entertaining, gardening or other outdoor activities you enjoy.”

The post Expert Tips for Selecting the Right House Plan appeared first on Home Trends Magazine.

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‘Breaking Bad’ Star Aaron Paul On The Original Plan To Kill Off His Character In Season 1 | PeopleTV

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

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The plan to overturn Roe v. Wade at the Supreme Court is already in motion

Now that President Donald Trump has the opportunity to appoint a new justice to the Supreme Court, some abortion opponents hope that Roe v. Wade will end up overturned or gutted — and they have already been working towards that moment.


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Trump privately floats plan to make a deal with Putin on Syria

President Donald Trump once again raised the idea of pulling the US out of Syria this week — this time privately during a meeting with King Abdullah II of Jordan at the White House, according to two diplomatic sources familiar with the sit-down.


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

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Scouted: This App Will Help You Develop Your Business Plan

You can have all the good ideas in the world, but disorganization can derail them from actually coming to life. Upmetrics is a software that helps you map out your entrepreneurial concept from inception to launch. This versatile app helps compile your thoughts, financial summaries, and forecasts — and it can even generate reports for cash flow, accounts payable, and operating expenses. You can put together multiple projects and easily collaborate with a team across each one. The business plan editor also allows you to incorporate your finances from XERO and Quickbooks. Usually, this lifetime subscription to Upmetrics is $ 900, but you can get it now for $ 29.99.

Scouted is here to surface products that you might like. Follow us on Flipboard. Please note that if you buy something featured in one of our posts, The Daily Beast may collect a share of sales.

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

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NASA’s Bold New Plan To Keep The ISS In Orbit | Mach | NBC News

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

CHARITY UPDATE:

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

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Nearly half of San Francisco Bay Area voters plan to leave in the next few years

Lack of housing and egregious commutes are forcing San Francisco Bay residents out of their homes and seeking states with lower taxes, according to the San Francisco Business Times.
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How to Complete Your Estate Plan with a New Document

One of the biggest things that keeps people from creating an estate plan is a fear of death and an aversion to discussing mortality.

Talking about death isn’t easy for a lot of people, which might explain why only 44% of Americans have created a Last Will. However, the discourse around memorial or funeral services in recent years is changing with 46% of Americans over the age of 40 having discussed memorialization and funeral wishes with their families and 69% of Americans over 40 expressing a desire to pre-plan their own services.

While it is important to specify your medical wishes with a Health Care Directive, appoint someone to make decisions on your behalf with a Power of Attorney, and divide your assets with a Last Will and Testament, an End-of-Life plan is a great way to ease yourself into estate planning.

In this post, we’ll discuss what an End-of-Life Plan is, why you should make one, and how it differs from a Last Will and Testament.

What is an End-of-Life Plan?

An End-of-Life Plan is a document that can help you round out your estate plan by addressing things that a Last Will and Health Care Directive don’t.

An End-of-Life Plan allows you to:

  • Appoint someone to fulfill the wishes outlined in your plan
  • Express if you’d like an obituary or death notice, including which details you’d like it to comprise and where you’d like the notices published
  • Make known your wishes for burial or cremation and what you’d like done with your remains
  • Communicate what kind of memorial service you’d like (if any) to commemorate your life
  • Indicate how you’d like your funeral expenses paid (e.g. with funds you’ve set aside or from your estate)

You can also choose to write meaningful final thoughts to your family and loved ones (which can be general or for specific people) in hopes of offering some comfort for them after you’ve passed on.

Although an End-of-Life Plan is not a legal document, it helps to lay out your final thoughts in a personal and easy-to-understand way, which is important because your loved ones will likely be using it to navigate the difficult period after you have passed away.

Last Will vs. End-of-Life Plan

If you already have a Last Will, you may ask if you even need a document like an End-of-Life Plan. The answer is yes. A common misconception about a Last Will and Testament is that it includes your wishes for how you want to be laid to rest.

Although some people include their wishes for funeral arrangements in their Last Will, it’s not recommended. Including them doesn’t affect the validity of your Will, but it’s not ideal to have your preferences for memorial services in a document that people don’t tend to read until after your funeral.

Even if your appointee does read your Last Will before they plan your funeral, it’s more effective to provide your appointee with a comprehensive document devoted solely to your end-of-life wishes. The End-of-Life Plan is easy to follow and doesn’t require any deciphering because it’s written in plain language and allows you to include more specific instructions for the person or people planning your memorial.

Cover All Your Bases in Your Estate Plan

We created the End-of-Life Plan to allow our users to address things that their other estate planning documents wouldn’t, such as their obituary details, funeral wishes, memorial specifics, and so on. If you have particular desires for how you want your life to be celebrated and remembered, you should be able to express those desires in a concrete way like with a written document.

Just make sure once you’ve created your planning document, you let your appointee know where they can find it. You may even want to go over the End-of-Life Plan in person with your appointee so you can be sure they understand everything and they can have an opportunity to ask questions if they need to.

The End-of-Life plan can offer peace of mind for you because your memorial wishes will be written out for your loved ones to follow, and your loved ones can also be relieved of some of the stress of funeral planning because you’ll have already made major decisions for your memorial.

Have you done any pre-planning for your own memorial service?

The post How to Complete Your Estate Plan with a New Document appeared first on LawDepot Blog.

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Sheryl Sandberg Lays Out the Plan to Fix Facebook

Facebook’s apology tour continued Tuesday at the Code Conference as two of its most senior execs laid out their plans to fix the platform in the wake of huge controversies from fake news to misappropriation of user data. COO Sheryl Sandberg and CTO Mike Schroepfer covered much of the same ground their boss, CEO Mark […]

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Scientists plan DNA hunt for Loch Ness monster next month

LONDON (Reuters) – A global team of scientists plans to scour the icy depths of Loch Ness next month using environmental DNA (eDNA) in an experiment that may discover whether Scotland’s fabled monster really does, or did, exist.


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Star Wars land revealed: Here’s when you can plan your visit

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It’s the moment Star Wars fans have been dreaming of ever since they caught their first glimpse of that galaxy far, far away: their opportunity to visit it in person.

Now Disney has revealed when that auspicious date will be — or at least, the season.

The company just announced that its new theme park Star Wars: Galaxy’s Edge will open in summer 2019 at Disneyland Resort in Anaheim, and fall 2019 at Walt Disney World Resort in Orlando. 

In other words, mark your calendars and start saving up those credits. Something tells us you’re gonna burn through a lot of ’em on this trip. Read more…

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Black Congressional Caucus Reveals ‘Marshall Plan for Black America’ Amid Racial Strife

Being deemed the “Marshall Plan for Black America,” the 1,334-page Jobs and Justice Act, introduced by the Congressional Black Caucus last Thursday, addresses a wide range of issues—from massive investments in infrastructure and workforce development training to promotion of economic empowerment, to comprehensive reform of the nation’s criminal justice system.

The legislation is a compilation of sorts of free-standing bills proposed by the 48-member caucus, and although it is highly unlikely to be passed in a Republican-controlled Congress, they told USA Today that they wanted to “lay out a blueprint of their priorities” for now in the hopes that Democrats win the majority in November.


DETAILS OF THE BILL:

The omnibus legislation is two-pronged: jobs and justice. Division A—the jobs division of the bill includes several provisions to advance economic opportunity in underserved communities including infrastructure investment, workforce development, and poverty alleviation measures. It also includes support for small businesses and economic development, housing and asset building provision, as well as investments in education.

2018 marks the 50th anniversary of the assassination of Reverend Dr. Martin Luther King Jr. While Dr. King is well known for his efforts to champion social justice issues, he and many other civil rights activists of the day fought for economic justice as well. In addition to voting rights and equal protections under the law, every man, woman, and child deserves equal access to economic opportunities. Sadly, Dr. King’s Dream was never fully realized. Major social justice advancements in the passage of the Civil Rights Act of 1964 and Voting Rights Act of 1965 were followed by massive disinvestment in Black communities and a war on drugs that led to the mass incarceration of Black men and women — Cedric L. Richmond (LA-02), Chairman of the Congressional Black Caucus.

The bill’s Division B includes comprehensive criminal justice reform, from policing reform, marijuana decriminalization, sentencing reform, prison reform, and provisions to remove  the collateral consequences that make it difficult for the formerly incarcerated “to become productive members of society.” It also includes measures to protect access to the ballot.

Additionally, African Americans continue to seek equal protections under the law. In the wake of the gutting of the Voting Rights Act, Black voters have been targeted by voter suppression efforts with “almost surgical precision.” Moreover, Black families have been devastated by America’s scourge of mass incarceration. African Americans are incarcerated at more than five times the rate of Whites. In addition, although African Americans make up 13 percent of the national population, they make up 40 percent of the prison population. The criminal justice system traps low-income and minority families in a cycle of devastation, from broken bonds between police and the communities they serve, to overwhelming obstacles for those who have paid their debts to society — Cedric L. Richmond (LA-02).

“A lot of folks talk the talk when it comes to African American communities, but few walk the walk,” said Richmond. “This bill will give them the chance to walk that walk.”

The bill is a take on the original Marshall Plan—an aid package the United States provided to Western Europe after those countries’ economies were devastated by World War II. The plan was named after George C, Marshall, the Secretary of State at the time.

The post Black Congressional Caucus Reveals ‘Marshall Plan for Black America’ Amid Racial Strife appeared first on Black Enterprise.

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Trump’s drug plan isn’t as tough as his talk—but the real risk could come later

President Donald Trump unveiled his blueprint to lower drug prices in a highly anticipated speech on Friday.
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Cuban artists plan to stage alternative Havana biennial

HAVANA (Reuters) – A group of Cuban artists plans on Saturday to launch a biennial independent of state institutions on the Communist-run island, despite fierce opposition from the government, which has called it a “provocative maneuver.”


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Groups plan to sue over Iowa’s ‘Heartbeat Bill’

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Study: 6 in 10 Homeowners Don’t Plan On Moving Anytime Soon

The most recent S&P/Case-Shiller home-price index shows that home values have increased by 6.3% over the past year. Wages have increased 2.7% in the past year, and the unemployment rate is at the lowest its ever been post-recession, which is why most homeowners say they don’t plan on moving anytime soon.

A new Bankrate.com report found that over 6 in 10 homeowners (62%) say they do not ever plan to move while the remainder anticipates that they’ll be staying in their current home for at least another five years.

“Americans are essentially staying put in their homes for the foreseeable future, either by choice, or by necessity or some combination,” said Bankrate.com senior economic analyst, Mark Hamrick. “Because of this, prospective homebuyers are finding a real lack of quality, affordable inventory, which can lead to bidding wars and risky overspending.”

Source: Bankrate.com

While the majority of homeowners (79%) don’t plan on moving in the next half-decade, 35% say they are more likely to remodel, upgrade, or add to their current home during that time. Over the next five years, the likelihood of making improvements to their current home exceeds the likelihood of moving to a new home across all age and income brackets.

Statistics:

  • More than 1 in 5 Americans (21%) own their primary home without a mortgage.
  • Another 32% are currently paying off their mortgage.
  • The median reported mortgage rate is 3.95%
  • Nearly 3 in 10 mortgage holders (29%) either don’t know or won’t say what their mortgage rate is.
  • For groups who could benefit from a good refinancing opportunity like millennials, the statistic is higher at 37% and Gen Xers at 35%.
  • Thirty-nine percent of both Gen Xers and Baby Boomers (ages 54–72) say they have a mortgage on their primary home.
  • Twenty-seven percent of younger Boomers (ages 54–63), 38% of older Boomers (ages 64–72), and 51% of The Silent Generation (ages 73+) own a home without a mortgage.
  • Sixty-one percent of those ages 18–30 say they do not own their main home. However, older millennials (ages 31–37) are equally as likely to own a home than not (43%).

For those unaware of their mortgage rate, Hamrick urges them to “immediately take time to learn that rate as well as whether they have an adjustable or fixed-rate mortgage.” To find the answers, it might require logging onto a website, calling a mortgage service, or digging through paperwork.

At issue is whether one should consider refinancing, including  going into a fixed-rate mortgage, before rates and monthly payments head higher from here,” Hamrick said.

The post Study: 6 in 10 Homeowners Don’t Plan On Moving Anytime Soon appeared first on Black Enterprise.

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Kourtney Kardashian Reveals ‘Exactly’ What She Eats Every Day On A Meal Plan That’s Surprisingly Doable

Happy Monday! What better way to start your week than to follow Kourtney Kardashian’s 3-day meal plan. Find out everything she eats for breakfast, lunch, and dinner here!

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Migrants in the caravan, who have traveled north through Mexico for the last month, plan to request asylum in the US this afternoon

A caravan of hundreds of migrants is expected to reach the US-Mexico border on Sunday afternoon after a monthlong trip from Central America that has sparked the ire of President Donald Trump.


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For a Syria plan, listen to Mike Flynn

A week after President Trump’s second strike on Syria, US policy is back to Square One. Trump still wants to exit as soon as possible, and his advisers are still trying to convince him that would be a disaster. Trump’s first national security adviser, Michael Flynn, had a flawed but useful plan to bridge that…
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The best way to plan a trip

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Are you going on a trip soon? Are you going on a post college/army trip to Southeast Asia or South America or Europe? Maybe you are just travelling around the United States with some buds. But no matter what you are doing, the difference between a fun and exciting trip versus one which falls on its face and is a drag lies in the planning. Here are five important steps to planning out your next great adventure.

Deciding what your trip will be

So you’ve decided to go on an international adventure. Congratulations! So now you have to make some decisions. What type of trip are you looking for? Are you looking to go on safari in the serengeti in Africa, lay on the beach all day in Koh Phangan, go hiking in the Himalayas? Maybe you just want to live it up in Europe and see the art and architecture and history that brought you Western Civilization?

With all of these choices, it’s hard to find out what will fit best for you. But once you decide where you want to go and what you want out of your trip, the next most important thing to consider is the length of your trip. One week? A month? A year?

Get an idea of your budget

So you’ve decided where you want to go and more or less what type of a trip you want along with approximately what time of year you want to go. Now is the time to start looking into what flights and lodging will cost. Do you want direct flights or are you fine with layovers? Do you want a five star hotel or do you want to backpack and live in hostels? Additionally, how much does a meal typically cost? What about taxis or renting a car in this country? By figuring all of this out you can get a good idea of how much money you need to save up. It is best to do this stage at least two months before your flight.

Pro tip: always assume things will be a bit more expensive than they really are. It’s better to bring money and not need it than need it and not have it!

Things to do

You don’t want to arrive at your destination and after a day say to yourself “ok, now what?” It’s important to have an idea of the sights and sounds of the city so that you can know what to go see and what things are. You will know where the good restaurants are, where the big shopping streets are, and the awesome cultural aspects of the place you are in.

This is the trip of a lifetime, and you don’t want to waste all of it staying in bed. This is the stage where you buy guidebooks or look online to understand what there is to do in a certain place. Also, this is the part which make you super excited for the trip.

Start planning out the actual logistics

This is where your trip really starts and where it starts to feel real. This is when you buy the tickets, reserve the rental car, or just start figuring out how to get around. As opposed to winging it and wasting a half a day hitchhiking, it’s a better idea to see how the busses in the country you are going to work. Where the train station or airport is and how to get to where you need to go (keep in mind that airports are usually MILES away from the actual city).

This is also the point when you decided where exactly you will be going, for how long, and how exactly you will get there. Make sure all of your documents are in order.

Can’t travel without documents

Remember, make sure you have everything you need. Some countries require a visa before entering them (you don’t want to be turned around at the airport). Make sure your passport is up to date, and make sure you have some sort of ID.
Good luck on your trip.

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The post The best way to plan a trip appeared first on Worldation.

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Inside the GOP plan to discredit Comey

President Donald Trump’s allies are preparing an extensive campaign to fight back against James Comey’s publicity tour, trying to undermine the credibility of the former FBI director by reviving the blistering Democratic criticism of him before he was fired nearly a year ago.


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Frick Collection, With Fourth Expansion Plan, Crosses Its Fingers Again

The new design by Annabelle Selldorf highlights its controversial garden, and brings visitors up into former living quarters for an intimate experience with art.
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The Marshall Plan Was Trumpism in Reverse

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Provided his confirmation hearings to be the new secretary of state go smoothly, Mike Pompeo will have the start of the Marshall Plan to celebrate during his first month in office. Seventy years ago on April 14, 1948, grain elevators in Galveston, Texas, began pouring wheat into the John H. Quick, the first of six ships that formed the vanguard fleet carrying food to Europe as part of the Marshall Plan.

The most successful foreign aid program in American history was underway just 11 days after being signed into law by President Harry Truman. The speed and efficiency with which the Marshall Plan began foreshadowed its history. Today, the Marshall Plan remains a measuring rod for America’s ability to balance toughness in foreign policy with the cultivation of alliances.

How Mike Pompeo, best known during his tenure as CIA director for his disapproval of the Iran nuclear deal and his support for America’s prison at Guantanamo, treats the legacy of the Marshall Plan should provide an early indication of what kind of secretary of state he intends to be and whether he will provide a counterweight to the president’s new national security advisor, John Bolton, who has declared “talking to the North Koreans is a waste of time.”  It will be important for Pompeo to show, as Marshall did, that he is more than a product of his military background.

Read more at The Daily Beast.

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‘The Walking Dead’: Jadis’ Plan For Negan Revealed

SPOILER ALERT: This post contains spoilers from the Season 8, Episode 14 of The Walking Dead entitled “Still Gotta Mean Something.” Proceed with caution.

Fans finally learned Jadis’ plan for Negan Sunday night.

The leader (and sole survivor) of the Scavengers captured the Savior leader after his scuffle with Rick. She took his clothes and his barb wire-wrapped bat, Lucille.

A flashback revealed how Jadis survived the massacre orchestrated by Simon, Negan’s top lieutenant. As the Saviors were mowing down the Scavengers, Jadis fled. She found a body and covered herself with blood, playing possum. After the massacre, she mourned and cleaned herself up.


Jadis
Jadis took Negan prisoner and his bat, Lucille.

Negan — who didn’t know about the massacre or that Simon ordered it — pleaded with Jadis. “That was the work of someone not following the program,” Negan said. “I’ll own this. I am sorry for this.”

Jadis chained Negan to a trolley, and then wheeled out another trolley with a walker tied to it. It appeared to give Negan a chance to fight for his life gladiator-style, as she did Rick earlier in the season.

A still tied-up Negan was able to get a gun and flare, as well as some of Jadis’ personal photos. He threatened to burn the photos with the flare. Jadis tried to wrestle the flare away, not only to save the photos, but signal a helicopter flying overhead.


Jadis
Jadis had a timer set for the helicopter pick-up.

The flare went out, and by the time she retrieved another one, the helicopter flew away. She threatened to burn Lucille as revenge, but Negan begged her not to (revealing Lucille was the name of his dead wife).


Jadis
Who is piloting the mystery helicopter?

She decided to spare both Lucille and Negan. Negan offered to join forces with her again, but she refused, retreating back into the heaps of garbage.

Meanwhile, Morgan continued to lose his sanity, setting up his departure from the show. He and Rick went after the Saviors that escaped Hilltop, brutally killing them all.

Both Rick and Carol told Morgan he was someone who saves, and not kills, but to no avail. When Rick asked why Negan saved him all the way back in Episode 1, Morgan said, “because my son was there.”

Later, after discovering Henry (whom he considers his son) was still alive, Morgan wept.

It was also revealed that the arrow that struck Tara was not tainted, so she will not turn.

How Morgan Crosses Over to ‘Fear the Walking Dead’

The post ‘The Walking Dead’: Jadis’ Plan For Negan Revealed appeared first on FANDOM.

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This is how lawmakers plan to end the opioid crisis

Fresh on the heels of President Donald Trump’s plan to tackle the opioid crisis, House lawmakers this week plan to introduce more than two dozen bills aimed at ending the epidemic, ranging from better access to treatment programs to exploring opioid alternatives for pain.


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Lyft is beta testing an all-access monthly subscription plan

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If you use Lyft to get around town on a regular basis, you might be able to take advantage of a new pilot program that lets heavy users of the service sign up for a monthly subscription service. Put simply, imagine Netflix for ridesharing.

According to The Verge, Lyft’s subscription service began popping up as an option for some users late last week. As far as the details go surrounding payment, users willing to pay $ 200 per month can receive upwards of 30 rides, an offer which breaks down to about $ 6.66 per ride. All in all, that’s a pretty good deal assuming that you’re not prone to using Lyft Line which can sometimes be as cheap as $ 3.50 per ride. Other riders, meanwhile, are being offered 7 rides in exchange for an upfront payment of $ 50.

Continue reading…

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Lyft is beta testing an all-access monthly subscription plan originally appeared on BGR.com on Sun, 18 Mar 2018 at 23:28:09 EDT. Please see our terms for use of feeds.


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Death penalty for drug traffickers part of Trump opioid plan

WASHINGTON (AP) — President Donald Trump’s plan to combat opioid drug addiction nationwide calls for stiffer penalties for drug traffickers, including the death penalty where appropriate under current law, a top administration official said Sunday. It’s a fate for drug dealers that Trump, who aims to be seen as tough on crime, has been highlighting publicly in recent weeks.
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Trump’s Tax Plan Could Slow Home Value Growth In the Next 3 Years

In recent months, several blue-chip U.S. corporations have pledged to give workers hefty bonuses or pay raises because of the new Republican tax-reform plan. But don’t count housing experts among those glorifying the $ 1.5 trillion tax overhaul package President Trump signed into law in December 2017.

In fact, new changes to U.S. tax laws prompted 41% of survey respondents to lower their long-term expectations for the nation’s housing market. The findings are from the latest Zillow Home Price Expectations Survey. Over 100 housing experts and economists were questioned on their expectations for home price growth, and if tax reform influenced the predictions.

Home values in the U.S. totaled $ 31.8 trillion in 2017, up 6% from $ 29.9 trillion in 2016, Zillow reports.

But housing experts project appreciation to slow to below 3% by 2021, according to the Zillow survey. A possible reason for the decline is fear that cutting taxes when the American economy is already running at full capacity increases the risk of a downturn in the next five or so years. The drop could push the Federal Reserve to increase interest rates faster than had been expected, says Zillow Senior Economist Aaron Terrazas.

Slower appreciation, of course, would be bad news for people who rely on homeownership to help build wealth, including millions of African Americans. One of the biggest benefits of home appreciation is it allows homeowners to sell for a higher price and boost their net worth.

Efforts to get a comment from the Trump administration were unsuccessful.

Forty-one of those surveyed reported their overall housing outlook is now more pessimistic after being asked how the new tax law impacted their five-year forecast for home values in the U.S. Some 31% had a more optimistic view, while 28% said that tax reform did not change their outlook.

The Tax Cuts and Jobs Act, enacted in December 2017, limited many itemized deductions such as the mortgage interest deduction while expanding the standard deduction. Most taxpayers take the standard deduction and will see take-home incomes increase as a result of tax reform, providing a boost to spending, savings, and investment this year.

“By expanding the standard deduction, tax reform will put more money into the typical American’s pocket in 2018, which will boost spending and could help renters save faster for a down payment,”  Terrazas says. “But the longer-term outlook is less rosy. There is some concern that tax cuts at this point in the business cycle may be throwing fuel on an already ranging fire and could lead the economy to overheat. Most economists we surveyed see a stronger outlook for the housing market over the next year or two but a more pessimistic outlook on the longer horizon.”

In the near future, experts raised their predictions from previous surveys for home values as limited inventory and high demand keep prices moving higher.

Homes today are less valuable than they would be if the last recession had not happened. If the housing bubble and bust had not occurred, and home values had instead appreciated at a steady pace, the median home value would be about $ 214,500, 4% higher than its current value of $ 206,300.

The post Trump’s Tax Plan Could Slow Home Value Growth In the Next 3 Years appeared first on Black Enterprise.

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Here’s What Samuel L. Jackson Thinks About Trump’s Plan To Arm Teachers

Considering the chorus of critics against Trump’s ill-received plan to arm teachers after the Parkland shooting tragedy, Samuel L. Jackson may become one of the loudest voices. The “Pulp Fiction” star kept it all-the-way real again and shredded Trump on Twitter on Friday.

“Can someone that’s been in a Gunfight tell that Muthafukka that’s Never been in a Gunfight, the flaws of his Arm The Teachers plan??!!” Jackson asked.

We gotta thank Jackson for his unapologetic tweet, which received more than 300,000 likes. Jackson is known for his whip-smart commentary, and he just canceled Trump with the quickness.

Trump first touted his controversial idea of arming 20 percent of teachers at schools during a meeting last week at the White House that included students and parents personally impacted by the February 14 mass shooting at the Marjory Stoneman Douglas High School in Parkland, Florida, The Huffington Post reported.

He doubled down on that proposal and praised the NRA during his Conservative Political Action Conference (CPAC) speech on Friday morning.

The president’s proposal has beyond outraged folks, especially teachers, who have taken to social media to speak out against it. Lily Eskelsen García, the president of the National Education Association, publicly denounced Trump’s proposal.

Solutions are needed to “keep guns out of the hands of those who want to use them to massacre innocent children and educators,” García said to Education WeekArming teachers does nothing to prevent that.”

Teachers in Utah believe gun training is an ‘absurd idea,” they recently told the Salt Lake Tribune.

“I don’t feel like that’s in our job description,” Jessica Reynolds, a music teacher at Draper Elementary School in Draper, Utah, a city in Salt Lake, said. “Now you need to be a teacher and a counselor and a parent and all of the things that we really do and also you need to be a police officer? It’s not fair.”

 

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How to Plan a Wedding While Working Full Time

how to plan a wedding while working full timeI feel like I’ve seen a bunch of fun threadjacks on this recently(ish), so let’s discuss this today: what are your best tips on how to plan a wedding while working full time (or, as many of you do, well more than 40 hours a week)? What are the best things to outsource as far as wedding planning goes — and what are the best ways to simplify wedding planning? And a corollary question: what wedding planning tasks can you do at the office? We’ve talked about homing from work, making personal calls on the clock, and a bunch of aspects of wedding and business etiquette (including whether you should invite colleagues to your wedding) — as well as wedding finances — but I don’t think we’ve ever had a post rounding up everyone’s tips on how to plan a wedding.

A friend of mine just got married, so I asked her how she fit wedding planning in with her BigLaw job — here were her tips on how to plan a wedding while working full time:

Be very organized. Split tasks with your spouse. Consider a wedding planner (though we didn’t have one). Most things can be done well in advance so don’t save everything for the end.

For me, the two really busy times were the first month we got engaged, looking at venues and vendors and then the last month before. I brought a personal laptop into work and dedicated a half hour each day during lunch to just dealing with emails.

We had a full service place- I don’t know how people do it if they have to separately rent all the chairs and tables and glasses etc
We also did things when we could–we made a big playlist of both our phones and then listened to it in car rides, winnowing it down.

Great tips! I’ve also heard a lot of people who’ve advised to set up a “family” email for the wedding (I’m also a big fan of the family email once kids come along), and I could see either Slack or Trello as being a great way to keep everyone on the same page, which makes it much easier to hand off tasks to your partner as needed. (Slack is particularly great when you’ve having 15 different conversations with the same person at once so emails get totally lost and I find it easy to move among the conversations — Trello is more visually appealing if you prefer to see everything in separate buckets. Here’s a post on how to use Trello to plan a wedding.)

All right, ladies, what are your best tips on how to plan a wedding when you work long hours? 

Stock photo via Stencil.

We asked our readers for their BEST TIPS on how to plan a wedding while working full time, whether you've got 40 hours a week or crazy hours like 60-80 hour weeks like for BigLaw lawyers. Some great tips on how to share wedding planning tasks with your fiance, what wedding tasks you can do at work, and more.

The post How to Plan a Wedding While Working Full Time appeared first on Corporette.com.

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Trump plan: Less health insurance for lower premiums

Latest Trump administration health care idea: less insurance for lower premiums
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President Trump Proposes Budget, Infrastructure Plan to Democrats’ Rebuke

Democrats in Congress have issued strong reactions to President Donald Trump’s $ 200 billion infrastructure plans and proposed $ 4 trillion budget released on Monday.

Vanita Gupta, president and CEO of the Leadership Conference on Civil and Human Rights, called the president’s budget proposal and infrastructure plans a “double dose of bad policy.”

The proposed plan will offer up to $ 200 billion in federal funding over 10 years to repair roads, build bridges, airports, seaports, energy projects, and water systems. If the numbers aren’t adding up, it’s because states, local governments, and private investors will shoulder much of the financial obligations in the president’s plan.

 

 

Critics say leaving key decisions of what needs to be built or repaired, like the water pipes in Flint, Michigan, will leave states and under-served communities in a difficult place since private investors are most likely to fund projects that will pay financial dividends.

“There is bipartisan agreement on the need to rebuild our nation’s crumbling infrastructure and put Americans back to work, and President Trump was elected upon a promise to work with Democrats to do just that,” said Rep. Brendan Boyle, who represents Pennsylvania’s 13th congressional district.

“The president claims that his plan invests $ 1.5 trillion. In reality, the proposal includes only $ 200 billion in federal investment after robbing other critical investments, and leaves toll-paying families and state and local governments—already hurt by the Trump Tax Scam—to pick up the tab,” said Boyle, who is a part of the 35-member Blue Collar Caucus.

“Meanwhile, the proposal lets private investors dictate which projects receive funding, and doesn’t say a word about Buy America purchasing requirements. This is not the ‘big league’ bipartisan infrastructure we were promised,” he said.

Gupta said the president’s plans would “leave behind too many American communities and those most in need” and that Congress should ignore the “unacceptable proposals” and craft new legislation.

“His budget would deny critical health care to those most in need simply to bankroll his wall through border communities, while his infrastructure scam would reward the rich and special interests at the expense of low-income communities and communities of color,” Gupta said.

The president also requested $ 23 billion for border security, including $ 18 billion for his border wall and money for more detention beds for detained immigrants.

In order to avoid a government shutdown, President Trump suggested in a tweet that a bipartisan immigration deal he labeled a “bill of love” will give young undocumented immigrants a path to legally stay in the United States and grant him the funds to build his wall.

 


 

He has also requested $ 25 billion to go toward border security, a skills-based visa program to replace the diversity lottery system, and an end to “chain migration,” in return for a pathway to citizenship for 1.8 million illegal immigrants, including up to 800,000 DACA recipients. But Democrats have balked at some of these demands, and the two parties don’t appear to be close to an agreement.

Democrats, however have proposed an alternative infrastructure plan to President Trump’s.

Last week, House Democrats unveiled “A Better Deal to Rebuild America” plan, an alternative to the GOP’s, which includes $ 1 trillion in direct federal investment that would generate 16 million new jobs.

“In addition, the infrastructure plan will invest in American iron and steel to support good-paying jobs, and ensure opportunities for small business owners,” Boyle said.

He said the plan is “another broken promise and missed opportunity for bipartisan problem-solving by the president.”

The proposed $ 4 trillion-plus budget for the 2019 fiscal year projects a $ 1 trillion federal deficit with big spending increases for the Pentagon. There would, however, be massive spending cuts from the Department of Transportation and the Environmental Protection Agency, among other agencies. 

The post President Trump Proposes Budget, Infrastructure Plan to Democrats’ Rebuke appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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SpaceX gets U.S. regulator to back satellite internet plan

WASHINGTON (Reuters) – Elon Musk’s SpaceX, fresh off the successful launch this month of the world’s most powerful rocket, won an endorsement on Wednesday from the top U.S. communications regulator to build a broadband network using satellites.


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Trump infrastructure plan would speed up pipelines, cut environmental reviews

WASHINGTON (Reuters) – The Trump administration’s infrastructure proposal released on Monday would speed up the permitting of U.S. natural gas pipelines, including by cutting Congress out of the process for allowing them to cross national parks.


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Trump says ‘up to’ Congress to act on plan to rebuild roads

WASHINGTON (AP) — President Donald Trump sent Congress a sweeping plan Monday to rebuild the nation’s depleted roads and bridges — then immediately raised doubts about how committed he was to delivering on that campaign promise.
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12 Last-Minute Valentine’s Day Gift Ideas for People Who Just Can’t Plan Ahead

A quick handmade Valentine is cute and all, but sometimes there’s not even time for that! These sweet ideas include something for your work wife, your kids’ classmates, your bestie, moms and more. Best of all: They ship in two days or less.

Holidays – Good Housekeeping

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How to roll over a 529 plan, and why it may be a good idea

When my 10-year-old son was born, his grandmother generously put $ 1,000 into a Franklin Temple 529 plan for him. A 529 is a tax-advantaged savings plan for educational expenses. This IRA-like vehicle is a great way to help fund a child’s schooling.

For the better part of a decade, I, too, have been funding a 529 for my son. But my account is with Georgia’s Path2College program.

You can set up a 529 account and use it for qualified educational expenses in any state, no matter where you reside. If you live in Georgia, for instance, and you find a 529 plan offered, say, in Florida, with better investment options or lower fees, you could put your money there. But, there is usually a modest tax benefit to having your children’s 529 plans in your state of residence. For Georgia, that deduction is $ 4,000 per beneficiary.

My son’s original 529 plan had been set up by his grandmother’s long-time broker. Because it was an out-of-state account, we hadn’t been getting a Georgia tax deduction for it. And in reviewing the account details, I noticed it held higher cost investments. With these points in mind, I decided to transfer the Franklin Temple account into my Path2College 529.

Making such a transfer was new to me. Let’s talk about what I learned.

What happens when you roll over a 529 from one plan to another

The IRS allows for one tax-free rollover, per 529 beneficiary in a 12-month period. If you violate this rule, you get hit with federal income taxes and a 10% penalty on the accumulated earnings. Ouch!

The basic method for rolling over one account into another is to fill out a rollover contribution form with the 529 plan servicer you are transferring the money into. From there, the administrator of your preferred 529 plan will coordinate moving the money from the old fund into their fund.

Another method is to request a distribution of funds from the old servicer, and then, within 60 days, deposit the full amount into your preferred 529 plan. If you choose this approach, be sure to let your servicer know that the money is a rollover and give them a breakdown of how much is principal and how much is earnings.

There are a few circumstances where it may make sense to move your 529 plan funds into a different account. One scenario is the one I outlined with my son’s accounts – to make the most of the state tax deduction and to get lower cost investments. You might also want to move if your plan has performed poorly compared to other 529s and you expect the trend continue. Of course, we all know that past performance is no guarantee of future returns, but if most other plans are outpacing yours, you may consider a transfer.

You may also find that a plan is too restrictive. While federal regulations govern all plans, some plans choose to have other specific rules for their plans. One example is the provision that you cannot change the owner of the plan unless the original owner dies or becomes incapacitated. For a grandparent who sets up a 529 account with this provision and later chooses to let a parent manage the account, this can lead to frustration. But, a way to circumvent this provision would be to roll the account over to a new 529 plan that accepts owner changes.

While the 529 program was created specifically to help families save for college, the plans can now be used to pay for private school. The recently enacted GOP tax reform allows beneficiaries to use up to $ 10,000 in annual distributions from a 529 plan during grades K-12 for things like school tuition and books, in addition to later college expenses.

Before tax reform, 529 plans were a great tool. Now they’re even better. If you’re not taking advantage of this financial planning tool, it’s worth considering.

Disclosure: This information is provided to you as a resource for informational purposes only. It is being presented without consideration of the investment objectives, risk tolerance or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. Investing involves risk including the possible loss of principal. This information is not intended to, and should not, form a primary basis for any investment decision that you may make. Always consult your own legal, tax or investment advisor before making any investment/tax/estate/financial planning considerations or decisions.

clark.com

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Trump requests Pentagon plan big military parade

Trump requests Pentagon plan big military parade
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Drake’s ‘God’s Plan’ to Debut at No. 1 on the Billboard Hot 100

After breaking Apple Music’s record for most streams in its first week, Drake’s new song “God’s Plan” is set to debut at no. 1 on the Billboard Hot 100.

via Billboard:

The song arrived late on Jan. 19, along with fellow new track “Diplomatic Immunity,” which could launch in the top 20 or higher on the tally. (The songs are paired on Drake’s new “Scary Hours” two-track single.)

Let’s run some projections. Highlights of next week’s Hot 100, which blends streaming, airplay and sales data, according to Nielsen Music, will post on Billboard.com Monday (Jan. 29), with all charts posting the following day (Jan. 30).

Based on preliminary data projecting the tracking period feeding next week’s Hot 100, “God’s Plan” could draw over 55 million U.S. streams, easily enough to soar in at No. 1 on the Streaming Songs chart. It should also sell over 110,000 downloads and bow atop the Digital Song Sales chart. With radio promotion just beginning, the song is also likely to draw over 20 million in radio audience in the tracking week.

Meanwhile, “Diplomatic Immunity” should start with over 20 million first-week U.S. streams.

Drake is seeking his fourth Hot 100 No. 1 and second as a lead artist. He first led as featured on Rihanna‘s “What’s My Name?,” which topped the Nov. 20, 2010-dated chart , and then as featured on her “Work,” which began a nine-week reign on March 5, 2016. He followed with his own “One Dance,” featuring WizKid and Kyla, which ruled for 10 weeks beginning May 21, 2016.

“God’s Plan” would mark Drake’s first debut at No. 1 on the Hot 100 and the chart’s first since DJ Khaled‘s “I’m the One,” featuring Justin Bieber, Quavo, Chance the Rapper and Lil Wayne, which roared in on top last May 20.

If you haven’t already, give “God’s Plan” a spin below.

The post Drake’s ‘God’s Plan’ to Debut at No. 1 on the Billboard Hot 100 appeared first on B. Scott – Celebrity Gossip and Entertainment News.

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Trump plan offers citizenship path to 1.8 million immigrants

WASHINGTON (AP) — The White House unveiled a proposal Thursday that provides a pathway to citizenship for 1.8 million young immigrants living in the country illegally, in exchange for new restrictions on legal immigration and $ 25 billion in border security. The plan was applauded by some in Congress, but blasted by conservative activists as “amnesty” and slammed by a slew of Democrats, who accused President Donald Trump of holding “Dreamers” hostage to his hard-line immigration agenda.
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White House to release immigration policy plan Monday

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

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Music companies plan parties for Grammy week

The music world is about to descend on Gotham for The 60th annual Grammy Awards, but not everybody is in the party spirit. Industry hands are pooh-poohing the location of the event — Madison Square Garden — along with the frigid temperatures and the sprawl of New York City, as opposed to fire-ravaged, mudslide suffering…
Business | New York Post

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Anti-Smoking Plan May Kill Cigarettes & Save Big Tobacco

WASHINGTON (AP) — Imagine if cigarettes were no longer addictive and smoking itself became almost obsolete; only a tiny segment of Americans still lit up. That’s the goal of an unprecedented anti-smoking plan being carefully fashioned by U.S. health officials.

But the proposal from the Food and Drug Administration could have another unexpected effect: opening the door for companies to sell a new generation of alternative tobacco products, allowing the industry to survive — even thrive — for generations to come.

The plan puts the FDA at the center of a long-standing debate over so-called “reduced-risk” products, such as e-cigarettes, and whether they should have a role in anti-smoking efforts, which have long focused exclusively on getting smokers to quit.

“This is the single most controversial — and frankly, divisive — issue I’ve seen in my 40 years studying tobacco control policy,” said Kenneth Warner, professor emeritus at University of Michigan’s school of public health.

The FDA plan is two-fold: drastically cut nicotine levels in cigarettes so that they are essentially non-addictive. For those who can’t or won’t quit, allow lower-risk products that deliver nicotine without the deadly effects of traditional cigarettes.

This month the government effort is poised to take off. The FDA is expected to soon begin what will likely be a years-long process to control nicotine in cigarettes. And next week, the agency will hold a public meeting on a closely watched cigarette alternative from Philip Morris International, which, if granted FDA clearance, could launch as early as February.

The product, called iQOS (pronounced EYE-kose), is a penlike device that heats Marlboro-branded tobacco but stops short of burning it, an approach that Philip Morris says reduces exposure to tar and other toxic byproducts of burning cigarettes. This is different from e-cigarettes, which don’t use tobacco at all but instead vaporize liquid usually containing nicotine.

For anti-smoking activists these new products may mean surrendering hopes of a knockout blow to the industry. They say there is no safe tobacco product and the focus should be on getting people to quit. But others are more open to the idea of alternatives to get people away from cigarettes, the deadliest form of tobacco.

Tobacco companies have made claims about “safer” cigarettes since the 1950s, all later proven false. In some cases the introduction of these products, such as filtered and “low tar” cigarettes, propped up cigarette sales and kept millions of Americans smoking. Although the adult smoking rate has fallen to an all-time low of 15 percent, smoking remains the nation’s leading preventable cause of death and illness, responsible for about one in five U.S. deaths.

Anti-smoking groups also point to Big Tobacco’s history of manipulating public opinion and government efforts against smoking: In 2006, a federal judge ruled that Big Tobacco had lied and deceived the American public about the effects of smoking for more than 50 years. The industry defeated a 2010 proposal by the FDA to add graphic warning labels to cigarette packs. And FDA scrutiny of menthol-flavored cigarettes — used disproportionately by young people and minorities — has been bogged down since 2011, due to legal challenges.

“We’re not talking about an industry that is legitimately interested in saving lives here,” said Erika Sward of the American Lung Association.

But some industry observers say this time will be different.

“The environment has changed, the technology has changed, the companies have changed — that is the reality,” said Scott Ballin, a health policy consultant who previously worked for the American Heart Association.

Under a 2009 law, the FDA gained authority to regulate certain parts of the tobacco industry, including nicotine in cigarettes, though it cannot remove the ingredient completely. The same law allows the agency to scientifically review and permit sales of new tobacco products, including e-cigarettes. Little has happened so far. Last year, the agency said it would delay the deadline for manufacturers to submit their vapor-emitting products for review until 2022.

The FDA says it wants to continue to help people quit by supporting a variety of approaches, including new quit-smoking aids and opening opportunities for a variety of companies, including drugmakers, to help attack the problem. As part of this, the FDA sees an important role for alternative products — but in a world where cigarettes contain such a small amount of nicotine that they become unappealing even to lifelong smokers.

“We still have to provide an opportunity for adults who want to get access to satisfying levels of nicotine,” but without the hazards of burning tobacco, said FDA Commissioner Dr. Scott Gottlieb. He estimates the FDA plan could eventually prevent 8 million smoking-related deaths.

“SMOKE-FREE FUTURE”

Philip Morris International and its U.S. partner Altria will try to navigate the first steps of the new regulatory path next week.

At a two-day meeting before the FDA, company scientists will try and convince government experts that iQOS is less-harmful than cigarettes. If successful, iQOS could be advertised by Altria to U.S. consumers as a “reduced-risk” tobacco product, the first ever sanctioned by the FDA.

Because iQOS works with real tobacco the company believes it will be more effective than e-cigarettes in getting smokers to switch.

Philip Morris already sells the product in about 30 countries, including Canada, Japan and the United Kingdom.
iQOS is part of an elaborate corporate makeover for Philip Morris, which last year rebranded its website with the slogan: “Designing a smoke-free future.” The cigarette giant says it has invested over $ 3 billion in iQOS and eventually plans to stop selling cigarettes worldwide — though it resists setting a deadline.

Philip Morris executives say they are offering millions of smokers a better, less-harmful product.

Matthew Myers of the Campaign for Tobacco-Free Kids still sees danger. He says FDA must strictly limit marketing of products like iQOS to adult smokers who are unable or unwilling to quit. Otherwise they may be used in combination with cigarettes or even picked up by nonsmokers or young people who might see the new devices as harmless enough to try.

“As a growing percentage of the world makes the decision that smoking is too dangerous and too risky, iQOS provides an alternative to quitting that keeps them in the market,” Myers says.

It’s unclear whether existing alternatives to cigarettes help smokers quit, a claim often made by e-cigarette supporters. Research from the Centers for Disease Control and Prevention suggests about 60 percent of adult e-cigarette users also smoke regular cigarettes.

THE CASE FOR LOWER NICOTINE

Experts who study nicotine addiction say the FDA plan is grounded in the latest science.

Several recent studies have shown that when smokers switch to very low-nicotine cigarettes they smoke less and are more likely to try quitting. But they also seek nicotine from other sources, underscoring the need for alternatives. Without new options, smokers would likely seek regular-strength cigarettes on the black market.

Crucial to the FDA proposal is a simple fact: nicotine is highly addictive, but not deadly. It’s the burning tobacco and other substances inhaled through smoking that cause cancer, heart disease and bronchitis.

“It’s hard to imagine that using nicotine and tobacco in a way that isn’t burned, in a non-combustible form, isn’t going to be much safer,” said Eric Donny, an addiction researcher at the University of Pittsburgh.

A study of 800 smokers by Donny and other researchers showed that when nicotine was limited to less than 1 milligram per gram of tobacco, users smoked fewer cigarettes. The study, funded by the FDA, was pivotal to showing that smokers won’t compensate by smoking more if nicotine intake is reduced enough. That was the case with “light” and “low-tar” cigarettes introduced in the 1960s and 1970s, when some smokers actually began smoking more cigarettes per day.

Still, many in the anti-smoking community say larger, longer studies are needed to predict how low-nicotine cigarettes would work in the real world.

LEGAL RISKS

Key to the FDA plan is the assumption that the two actions will happen at the same time: as regulators cut nicotine in conventional cigarettes, manufacturers will provide alternative products.

But that presumes that tobacco companies will willingly part with their flagship product, which remains enormously profitable.
Kenneth Warner, the public policy professor, said he would be “astonished” if industry cooperates on reducing nicotine levels.

“I don’t think they will. I think they will bring out all of their political guns against it and I’m quite certain they will sue to prevent it,” he said.

In that scenario, the FDA plan to make cigarettes less addictive could be stalled in court for years while companies begin launching FDA-sanctioned alternative products. Tobacco critics say that scenario would be the most profitable for industry.

“It’s like Coke, you can have regular Coke, Diet Coke, Coke Zero, we’ll sell you any Coke you like,” said Robin Koval, president of the Truth Initiative, which runs educational anti-tobacco campaigns.

But the FDA’s Gottlieb says the two parts of the plan must go together. “I’m not going to advance this in a piecemeal fashion,” he said.

When pressed about whether industry will sue FDA over mandatory nicotine reductions, tobacco executives for Altria and other companies instead emphasized the long, complicated nature of the regulatory process.

“I’m not going to speculate about what may happen at the end of a multiyear process,” said Jose Murillo, an Altria vice president. “It will be science and evidence-based and we will be engaged at every step of the way.”

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(AP Photo/Bobby Caina Calvan & AP Photo/J. Scott Applewhite & Philip Morris via AP)

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2 New Drake Songs Dropped, “God’s Plan” & “Diplomatic Immunity”

Word is there will be 2 new Drake songs dropping at midnight (Jan. 20). And they are here

As Drake noted on his Instagram, the songs are called “God’s Plan” and “Diplomatic Immunity.” The songs are from a 2-track EP titled Scary Hours.

Drake being Drizzy on both of these joints. “God’s Plan” has a bouncier groove while “Diplomatic Immunity” is a string-heavy number.

Listen below.

Instagram Photo

The Latest Hip-Hop News, Music and Media | Hip-Hop Wired

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Anti-smoking plan may kill cigarettes–and save Big Tobacco

WASHINGTON (AP) — Imagine if cigarettes were no longer addictive and smoking itself became almost obsolete; only a tiny segment of Americans still lit up. That’s the goal of an unprecedented anti-smoking plan being carefully fashioned by U.S. health officials.
Health Headlines

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

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

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7 Morbid Money Questions to Ask Yourself (Even if You Plan to Live Forever)

Money is one of those topics we’re not encouraged to discuss openly. Death? That’s high up on the list, too.

But the inevitable is truly inevitable. And whether your departure is unexpected or comes at the end of a long illness, it can leave behind a considerable financial burden.

If you’ve cared for an aging parent or someone with a long-term illness, you know the kinds of expenses that accumulate. But if you’re young or in good health, you may not have thought about your own mortality. And if you die unexpectedly, someone will have to put together the puzzle you leave behind.

This to-do list is brief and doesn’t take into consideration each person’s individual circumstances, but if you haven’t done any end-of-life planning, it’s a good place to start. Not only will it help sort out the money stuff, but it’ll give you some peace of mind, too.

1. Do I Need a Will?

A will isn’t just a thing that people with money or assets make. Do you have a car? A job with a 401(k)? A dog? Then you probably need a will.

“Everyone needs a living will,” said Amy Pickard, whose firm, Good to Go, seeks to remove the stigma from end-of-life planning. “If you’re 18 and live away from home, you need the paperwork. It’s just leaving behind instructions.”

She works with clients and even hosts death-planning parties to get people thinking about their final wishes. Having a will drawn up can cost as little as $ 5 — yes, it’s really valid in many states — to about $ 2,500. Read our full guide on wills and estate planning to help reduce the stress of planning for the inevitable.

2. What Will Happen to My Bank Accounts?

If bills will still need to be paid in your absence, consider designating making a bank account payable on death to a beneficiary.

Pickard said it takes five minutes to go into your bank and ask to have someone added to your account as the payable on death beneficiary. You need to give their name and Social Security number. “It’s one thing that will take a lot of work and stress out of the death duties,” Pickard said.

Having a joint account with your spouse isn’t an easier solution, she warned. If you both die in an accident, a third party will still need to be able to access your accounts.

Gale Allison, an estate lawyer in Tulsa, Oklahoma, doesn’t advise people to designate a payable on death for their bank accounts unless they are sure they can keep up with the responsibility to keep that designation up to to date. Relationships may change over time, and when those changes settle, the paperwork needs to match the new reality.

3. Should I Have Life Insurance?

Grandparents and grandchildren play while resting on the living room couch

Geber86/Getty Images

You might see infomercials for life insurance when you’re home sick and catching up on “The Price Is Right.” But while the people in the ads may look, erm… elderly, life insurance isn’t just for seniors.

Even if you’re a young, healthy person with no dependents, life insurance can help keep your next of kin afloat while they settle your accounts.

Jesse Rozmarynowski, a licensed life and health insurance agent with Advantage Group in Madison, Wisconsin, offers some simple math to determine how much coverage you might want.

First, think about what it would cost to have the type of funeral you’d prefer. Then, consider your outstanding debts, from mortgages and car loans to private student loans and credit card debt. On top of that, add in your living expenses for a year — or longer, if you’d be leaving a spouse or child without your income. Add it all up, and you’ll have a good idea of how much coverage you’ll want.

If you’re on the younger side, Rozmarynowski recommends term life insurance because it can be considerably cheaper than whole life insurance, and it offers comparable coverage. With term life insurance, you pay a premium for a certain number of years, and you are covered in the event of your death within that term. Once it expires, you need to buy a new policy. Take out whole life insurance, and you’ll pay a premium each month for the rest of your life — the only expiration date to worry about is your own.

That’s just a basic rundown of life insurance options. We have more information about the different types of life insurance available.

Don’t write off employer-offered life insurance just because you don’t have kids or a spouse at home, Rozmarynowski said. “Those plans can be less expensive because they’re arranged for a group, and you may be able to skip any medical questions or health exams to be eligible for coverage.” Find out if your employer-offered coverage is portable, which means you can take that coverage with you if you change jobs.

At the very least, make sure there’s money set aside for immediate costs your loved ones will have to handle.

“Even if it’s $ 3,000, that should pretty much cover cremation and a burial,” Pickard said.

4. Does Someone Know Where My Important Documents Are Stored?

Whether it’s a three-ring binder on your bookshelf, a manila envelope on the top shelf of your closet, or what personal finance idol Dave Ramsey calls a Legacy Drawer, you need to set aside a place for your important documents and instructions.

Your funeral instructions, tax returns, your will and the dog’s vet records all need to be easy to find when you’re not there to show someone where your important documents are tucked away.

“It is imperative your next of kin know where you’ve chosen to store these important papers,” said Elizabeth Fournier of Cornerstone Funeral Services. “A safe deposit box is not a good place. These documents need to be accessed sooner than a trip to the bank.”

You can also leave instructions telling where to find these documents with a legal or financial professional you trust. The key is to tell at least two people you trust so they know where to go to find out what you want done and what will need to be taken care of, Rozmarynowski said. This helps ensure at least one of those people is available to help if the need arises.

5. Who Has Access to My Passwords?

A person searches for passwords on a laptop.

pattonmania/Getty Images

What about your digital life? There are online billing portals and account histories, sure. But what about your Facebook account or your cloud file storage?

“I don’t think we’re thinking about digital assets yet,” said Kevin Ruth, head of wealth planning and personal trust at Fidelity Investments. It’s not just a new area for estate planners to tackle — it’s new for lawmakers, too.

Ruth recommends keeping a hard copy list of your accounts and passwords, and keeping that list somewhere secure with your other emergency files. Then, if you have considerable digital assets, like music files, photos or ebooks that you’d like to pass on to someone, make sure you list that person in your legal documents.

6. Who Are My Beneficiaries?

Ruth recommends checking annually your beneficiary designations, those who get the funds from your accounts should you die.

“For younger people, company life insurance may be the biggest asset they may have, and their estate can be controlled by that beneficiary,” Ruth explained. “So make sure it’s going to the right people.”

7. Am I Ready to Talk About This (Out Loud)?!?!?!?

It’s really hard to talk about death, especially when it seems far off and hypothetical. But frank conversations now can make life easier later for the loved ones you leave behind.

Fournier urges people to think about their final wishes, even if they are healthy. And if you want a grand exit, you may want to do additional financial planning. With more than 25 years in the funeral industry, Fournier has learned that final wishes aren’t always reasonable.

“People say they want their ashes scattered off some volcano in Hawaii and they make their wishes known, but the family feels massive amounts of grief because they can’t afford to satisfy those wishes,” she said.

Talking about those wishes, no matter how awkward it feels now, can help you be realistic about what’s going to happen later. “It helps to give your family an out,” Fournier said.

Don’t expect to have a quick 20-minute chat with your sibling or cousin over Sunday dinner, but do expect this preparation process to take time and thought. By putting the financial pieces of the puzzle in place now, you’ll offer a clearer picture to those left behind if you depart unexpectedly.

Lisa Rowan is a senior writer and producer at The Penny Hoarder.

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

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Cramer’s game plan: JP Morgan set the benchmark. Now watch the banks

Jim Cramer laid out the stocks and events he'll be watching as earnings season kicks into high gear.
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Cramer’s game plan: Feeding the beast with a bank earnings kicker

Jim Cramer looked ahead to the stocks and events he'll watch next week, including two major conferences.
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2018 is Here! Do You Have a Plan for Your Career?

You’ve heard the expression that when you fail to plan, you plan to fail. Your career is not exempt from this message. This is why it should be no surprise that individuals who are intentional about setting their career goals and creating a plan of action to accomplish them tend to be more successful than those who don’t plan at all. Simply put, when you fail to make your career a priority, you limit your own opportunities for progression and advancement. To have the career of your choice, you must invest your time and effort. Career success requires careful planning, sacrifice, dedication and, most importantly, hard work.

So whether you’re just starting out in your career, at the midpoint of your career, or gearing up for the last few years before retirement, you need a plan.

Here are five proven tips to assist you with creating your 2018 Career Plan:

 

  1. First, take inventory of the knowledge, skills, and abilities you currently possess and identify what more you need to acquire in order to accomplish your career pursuits.
  2. Second, write down every career goal that you would like to accomplish in 2018, no matter how big or small.
  3. Define approximately how much time it will take for you to accomplish each career goal and take into consideration factors such as qualifications, requirements, etc., that you must meet in order to be successful.
  4. Next, organize your goals according to a timetable you wish to accomplish them. Be realistic with yourself based on the time and effort that you can commit.
  5. Finally, execute, execute, and execute. Work smart, consistently, and with the willingness to make appropriate sacrifices to accomplish the career plan you created for yourself. And when things don’t go the way you planned, assess the situation quickly and develop an alternative plan of action to execute.

The post 2018 is Here! Do You Have a Plan for Your Career? appeared first on Black Enterprise.

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Trump claims companies are ‘showering their workers with bonuses’ following tax plan passage

Giving bonuses "is the rage" after the GOP passed its tax plan, President Trump contends.
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Netflix execs to get big salary bumps with Trump tax plan

A few top execs at Netflix are poised for big salary increases thanks to President Trump’s tax plan. Next year, chief content officer Ted Sarandos will get a salary of $ 12 million, more than his expected salary and cash bonus combined this year, the company revealed in a securities filing late Thursday. Chief product officer…
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Black Woman CPA Breaks Down How The New Trump Tax Plan Affects Your Personal Finances

Kemberley “Kemcents” Washington, CPA is the co-founder of Washington CPA Services L.L.C. She is part of the  AICPA National Financial Literacy Commission and regularly appears on broadcast TV providing financial advice. Here is her take on what the GOP’s massive new tax bill means for your financial life: 

 

The GOP passed the most massive tax bill in more than 30 years. While the bill is known for helping large corporations, the plan will impact each taxpayer’s personal finance in significant ways.

First, to get an understanding of how the GOP tax bill will impact you, you have to understand the current tax laws and the expected changes.

Standard and Itemized Deductions

Currently, an individual can take the higher of the standard deduction or itemized deduction on their tax return. Both deductions reduce taxable income under the GOP tax plan The current standard deduction for filers is  $ 6,350 for single filers, $ 9,350 for head of household, and $ 12,700 for joint filers. Itemized deductions include amounts paid for charity, medical, mortgage interest, casualty losses, state and local taxes, and other expenses. An individual will still be able to take the higher of the standard deduction or itemized deduction on their tax return.

The standard deduction doubles for tax filers. The amounts will increase to single $ 12,000, head of households $ 18,000, and joint filers $ 24,000.Some itemized deductions will be eliminated or limited. Casualty losses will no longer be deductible unless it is a federally declared disaster. Mortgage interest will be limited to mortgage debt of $ 750,000. State and local taxes are limited to $ 10,000.

How will this impact me –  If you live in states with high state and local taxes, you may not benefit from the change. Also, if you experience a loss due to a casualty, it may not help unless it is a federally declared disaster.

Personal and Dependent Exemptions

The current tax law allows for persons to claim a deduction of $ 4,050 per person for each spouse and dependent. The personal exemption reduces taxable income and can be very advantageous to those who have a large family and a number of dependents. The deduction does not depend on your filing status but could be phased out if you are a high-income earner. The new tax law is expected to do away with the personal exemption.

How will this impact me – If you have a large family with many dependents, you may not benefit from this change.

Child Tax Credit

The current tax law allows a child tax credit of $ 1,000 per person and limits the credit to those with moderate-income (up to $ 110,000). The credit is available to those who have children under the age of 17 and meet certain tests. The bill is expected to increase the credit to $ 2,000 per child and extend the credit to higher-income tax earners (up to $ 400,000 joint).

How will this impact me – If you have dependent children, you can expect to benefit from the child tax credit.

According to the Tax Policy Center, high-income taxpayers will receive the largest tax savings under this bill.  The Center also estimates that the average middle-income taxpayer will pay about $ 900 less under this bill. The amount of tax savings will depend on your personal filing status, income, and the number of dependents. But overall, middle-income individuals can expect to see small to modest tax changes over the next 10 years.

 

The post Black Woman CPA Breaks Down How The New Trump Tax Plan Affects Your Personal Finances appeared first on Black Enterprise.

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4 questions for Democrats as Republicans celebrate their tax plan

Democrats suffered their first major legislative defeat of the Trump era on Wednesday, when congressional Republicans, snake-bitten by internal rifts for the first 11 months of Donald Trump’s presidency, delivered a massive tax overhaul to his desk.


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Senate approves GOP tax plan, House to revote Wednesday

When it comes to the GOP tax plan, Republicans have the votes. Period.


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GOP: Tax Plan is a ‘Promise Made, Promise Kept’

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Trump unveils US national security plan, blasts previous presidents

President Donald Trump on Monday framed his foreign policy as an extension of his populist economic message, lambasting past presidents and trumpeting his own achievements during a speech meant to outline the guiding principles of his national security strategy.


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Trump unveils national security plan, blasts previous presidents

President Donald Trump on Monday unveiled in the most concrete terms to date his “America First” foreign policy, blasting the actions of previous administrations on immigration, the Iran nuclear deal and trade pacts, among others.


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Following Amtrak Derailment, Turmp Pushes For “Infrastructure Plan”

President Trump on Monday used an Amtrak train derailment to push his initiative to invest in America’s infrastructure. Multiple people were killed following the train crash during its first run…
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Trump defends tax plan as ‘great Christmas gifts’ to middle class

WASHINGTON (Reuters) – U.S. President Donald Trump on Saturday defended a Republican tax-cut plan against Democratic charges that it favors the rich, saying it will be “one of the great Christmas gifts” for the middle class with just days to go before Congress votes.


Reuters: Politics

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Trump defends tax plan as ‘great Christmas gifts’ to middle class

WASHINGTON (Reuters) – U.S. President Donald Trump on Saturday defended a Republican tax-cut plan against Democratic charges that it favors the rich, saying it will be “one of the great Christmas gifts” for the middle class with just days to go before Congress votes.


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GOP unveils sweeping tax plan

GOP poised to deliver Trump a tax bill, his ‘big, beautiful Christmas present’
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Eastenders Christmas spoilers: Max Branning plots to KILL Ian Beale and Phil Mitchell after his revenge plan goes wrong

MAX Branning isn’t done exacting his revenge on the residents of the Walford.

After his dealings with property developer Willmott-Brown are exposed, leading him to fall out with his family, Max decides he has nothing left to lose – so he comes to the conclusion that murder is the only option.

After his daughters disown him, Max decides he has nothing left to lose.
BBC DAN GOLDSMITH

Actor Jake Wood, who plays Max, has revealed the scenes will be particularly highly charged, in part thanks to the return of writer Simon Ashdown.

He told Inside Soap: “The build-up to Christmas is some of the most action-packed stuff I’ve ever seen.

“In terms of what I’ve read, these are maybe the best scripts since the Max and Stacey DVD reveal in 2007.”

Max is left a broken man when his daughters Lauren and Abi tell him they want nothing more to do with him.

Stacey takes pity on Max
BBC


He then identifies Phil Mitchell and Ian Beale as the people who have wronged him the most – and decides they need to be dealt with.

Jake added: “Max’s revenge was supposed to be a joyous moment for him – but he’s been cut loose by his co-conspirators, and slipped into a traumatic mental state.

“He has a lot of anger towards people, and doesn’t know how to go about dealing with it.”

Stacey takes pity on Max and invites him to live with her and husband Martin.

Will Max have gone to far by the time Stacey steps in?
BBC

But, at this point, Max has already taken action – and tried to kill Ian.

Jake added: “When Stacey takes Max in, he’s already tried to kill Ian and is on his way to murder Phil!

“I don’t know what the medical definition is, but it feels like he’s having a psychotic episode.”

EastEnders airs Monday, Tuesday, Thursday and Friday nights on BBC One.


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Kaiser Permanente Hawaii Medicare Plan Named Highest Performing in Nation on Key Quality Measure

HONOLULU — Kaiser Permanente Hawaii’s Medicare plan was named the highest performing in the nation in the prevention of potentially harmful drug disease interactions in the elderly, according to the 2017 National Committee for Quality Assurance Medicare Quality Compass® report.

The annual Medicare Quality Compass report assesses the performance of more than 300 Medicare health plans throughout the nation in 30 measures of effectiveness of care. Including NCQA ranking data from previous years, 2017 marks the 13th year in a row that Kaiser Permanente’s Medicare and Medicaid plans were recognized as the No. 1 health plan in Hawaii, and the 10th year its commercial plan has received top marks in the state.

“Medication management is extremely important for kupuna patients, who can experience serious adverse side effects that may lead to falls, hospitalization and other medical emergencies,” said Linda Puu, vice president of Quality, Safety and Service, Kaiser Permanente Hawaii. “Our providers and staff are committed to keeping seniors safe from dangerous drug interactions, aided by our integrated care delivery model and leading electronic health record system, which helps flag potential issues.”

Kaiser Permanente health plans were honored with a number of quality care accolades in 2017. Earlier in the year, Kaiser Permanente’s Medicare plan received the highest rating of 5 out of 5 from the Centers for Medicare and Medicaid Services. Kaiser Permanente’s commercial plan was also named the highest performing plan in the nation in three measures of quality care in the 2017 Quality Compass – Commercial report. Locally, Kaiser Permanente performed higher than any other Hawaii health plan in 26 of 42 measures, including prenatal care, comprehensive diabetes care and controlling high blood pressure.

The annual NCQA Quality Compass rankings are based on combined scores of Healthcare Effectiveness Data and Information Set (HEDIS®) and the Consumer Assessment of Healthcare Providers and Systems (CAHPS®). Complete results are available at www.ncqa.org.

About National Committee for Quality Assurance
NCQA is a private, non-profit organization dedicated to improving health care quality. NCQA accredits and certifies a wide range of health care organizations. It also recognizes clinicians and practices in key areas of performance. NCQA’s Healthcare Effectiveness Data and Information Set (HEDIS®) is the most widely used performance measurement tool in health care.

About Kaiser Permanente
Kaiser Permanente is committed to helping shape the future of health care. We are recognized as one of America’s leading health care providers and not-for-profit health plans. Founded in Hawaii in 1958, Kaiser Permanente Hawaii has a mission to provide high-quality, affordable health care services and to improve the health of our members and the communities we serve. Care for members and patients is focused on their total health and guided by their personal physicians, specialists and team of caregivers. Our expert and caring medical teams are empowered and supported by industry-leading technology advances and tools for health promotion, disease prevention, state-of-the-art care delivery and world-class chronic disease management. Kaiser Permanente Hawaii is dedicated to care innovations, clinical research, health education, community health, and providing patient-centered total health for the people and communities of Hawaii. For more information, go to: kp.org/share.

 

The post Kaiser Permanente Hawaii Medicare Plan Named Highest Performing in Nation on Key Quality Measure appeared first on Kaiser Permanente Share.

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Cramer’s game plan: Be ready to play this unstable market

Jim Cramer asked investors to be prepared for volatility going into a week with bitcoin and tech front and center.
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What does the Senate tax plan mean for you?

The Senate is entering the final stretch of its massive tax overhaul push.
ABC News: Top Stories

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GOP, Democratic Senators Spar Over Tax Plan

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Small Business Owners Plan to Hire More and Add New Products in 2018

Business Practices

Some 90% of small businesses intend to hire one to two people in 2018, a new survey shows.

Implementing a new marketing strategy among plans for next year

 

Simultaneously, 37.6% of small business owners are contemplating offering a new product or service, and 35.7% aim to apply a new marketing strategy. About 19% plan to partner with another small business.

 

Business Practices (Image: iStock.com/kali9)

 

The findings are based on a survey released by Microsoft Store and done by SurveyMonkey. Some 1,300 U.S. small-business owners with one and 200 employees were surveyed. The analysis pinpoints trends and gauges what challenges and opportunities the owners see in the oncoming year.

About half of the owners identified their biggest challenge as staying ahead of rapid changes in technology in 2018. Further, 23% reported budget constraints were a big concern in maintaining and growing their ventures. For brand new small businesses, budgeting was their top challenge, something expected for businesses opened less than a year.

Other findings from the survey:

  • Eighty percent of respondents say they now maintain enough freedom and flexibility to support their work-life balance. That finding came despite the challenge to keep pace with digital innovation that companies face today.

 

  • Those surveyed maintain a high level of mobility, working off-site and in multiple locations instead of at a fixed venue. The younger the business (less than one year old), the more likely it is to have employees who work mainly with mobile devices. As companies get larger, mobile use gives way to other devices and digital options for how work gets done.

 

  • In navigating the demands of both budget and technological readiness, over 30% of the respondents report they are likely to turn to familiar sources (a family or close friend) for technical guidance or help with computers, email or software.

 

  • In terms of cybersecurity threats, 50% reported they are not concerned about a data breach, while 25% are doing anything to protect themselves.

 

  • Twenty-six percent of respondents stated they have a formal relationship with a support or service establishment, small businesses said comfortable, human interaction was key in how they sought help.

Small Business – Black Enterprise

FASHION DEALS UPDATE:

How Do I Write an Executive Summary for a Business Plan?

write-executive-summary-for-business-plan

Creating a Business Plan is a fundamental step when starting a business of any size. When you’re looking for investors to help finance your business, it’s very likely that they’ll ask to see your proposal so they can determine whether they can trust you to provide them with a return on their investment.

Typically, the front page of your Business Plan should be an executive summary, which is essentially a detailed table of contents and elevator pitch for your plan. Investors tend to be busy professionals, so you need to hook them by describing the benefits of investing in your business as concisely as possible.

Below, we’ll discuss the main things you should include in the executive summary of your Business Plan and ask some questions to help get you started.

If you’re looking for advice on writing a full Business Plan, have a look at our Top Six Tips for Writing a Business Plan to help make yours the most captivating.

What Should Be Included in an Executive Summary?

You should break your executive summary into sections. Create succinct, easily understood headers that are relevant to each topic or section in your Business Plan and write three or four clear sentences with pertinent information.

A good strategy is to think like your investor. Consider a few questions that you’d want the answers to if you were the one investing and base the content in each section on those answers.

The headers should match up with the sections in your business proposal, which will likely include:

  1. Company goals: Think about what your company can realistically achieve. What do you want to accomplish in the next 12 months? In the next 5 years? What are your sales forecasts?
  2. Timeline for achieving those goals: Show you’re a visionary and a realist. When will planning be complete? When will you hire employees? When will your product or service be available for sale? If you’re a brick-and-mortar establishment, when will you open your doors?
  3. Personal information: Describe yourself as a business owner. Do you have experience in your industry? What are your qualifications? Why should you, and not someone else, run this business? What’s the company structure?
  4. Product and/or service information: Sell the investor on what you anticipate to be your bestseller(s). What separates this product/service from your competitors? If it’s a unique product/service, how will you garner interest and awareness? Do you have plans to develop new products/services to stay relevant a few years down the line?
  5. Your customers: Demonstrate you’ve conducted consumer research. Who is your target customer? How will you reach them? How will you advertise to them?
  6. SWOT analysis: Show that you’ve done a thorough competitor and market analysis. What are your company’s strengths, weaknesses, opportunities, and threats? What’s your competition like? How are you planning to out-perform your competitors?
  7. Capital requirements: Demonstrate financial competency. How much have you invested? How much do you need to borrow? Where is the money going? How will you pay it back?

Pitch the Positives of Your Plan

The aim of the executive summary in your Business Plan is to hook an investor. As long as you can highlight the best aspects of your plan and present them in a concise manner, it’s likely that your reader will take the time to evaluate your plan in full.

You don’t have to exaggerate or lie in your summary to overshadow any risks. Just whittle it down to the gems, and let your plan speak for itself.

Do you have any tips for writing a pithy pitch for a business proposal?

The post How Do I Write an Executive Summary for a Business Plan? appeared first on LawDepot Blog.

LawDepot Blog

BEST DEAL UPDATE:

Senators debate likely effects of GOP tax plan

While Congress continues to push for tax reform, senators from across the aisle debated Tuesday evening over the likely ramifications of the GOP tax bill.


CNN.com – RSS Channel – Politics

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