Goldman Sachs model now points to 4% second-quarter GDP growth

The U.S. economy is likely to grow faster than expected, according to a Goldman Sachs tracker model.
Economy

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Pompeo points to potential security assurances for Kim

WASHINGTON (AP) — The United States is offering assurances to North Korea’s Kim Jong Un as it seeks to put in motion the potential for a sweeping nuclear deal ahead of President Donald Trump’s upcoming summit with the North Korean leader.
Politics Headlines

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Fossil finger points to early humans entering Saudi Arabia

NEW YORK (AP) — An ancient human finger bone found in Saudi Arabia provides a new clue about when and how our species migrated out of Africa.
Science Headlines

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Joshua calls out Wilder after beating Parker on points

CARDIFF (Reuters) – Britain’s Anthony Joshua moved a step closer to becoming undisputed heavyweight champion of the world on Saturday after beating New Zealander Joseph Parker on a unanimous points decision in their title unification bout.


Reuters: Sports News

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Data points to further economic expansion in Japan

Japan's industrial production rebounded in February from a large decline in the previous month.
Economy

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Dow sheds 400 points as tech stocks crash on Facebook news

US stocks sank about 2 percent on Monday, with the Dow Jones Industrial Average shedding nearly 400 points, as Facebook led a selloff in technology stocks on reports that the social media company’s user information was misused. Facebook shares tumbled 7.1 percent on reports that a political consultancy that worked on President Donald Trump’s campaign…
Business | New York Post

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Britain points at Putin in poisoning attack as gulf widens

MOSCOW (AP) — The gulf between Russia and Britain widened on Friday as they cranked up pressure over a nerve agent attack and a suspected murder in Britain that have deepened Western worries about alleged Russian meddling abroad.
World Headlines

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Dow tumbles as much as 140 points on new Fed chair’s comments

Markets got spooked Tuesday on fears that Jerome Powell, the newly appointed chair of the Federal Reserve, may be poised to hike interest rates more aggressively than his predecessor Janet Yellen. The Dow Jones industrial average briefly plunged more than 140 points in midday trading to 25,560.34 as Powell spoke of an economy that has…
Business | New York Post

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Buyers rush in after Dow dropped 567 points at opening bell and sent stocks briefly into correction territory


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Dow Jones closes down nearly 1,200 points | ABC News Special Report

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LeBron James the youngest player to reach 30,000 points

LeBron James just made more history. James became the seventh player to enter the 30,000 point club Tuesday night during the Cavaliers’ game against the Spurs in San Antonio. He is the youngest player to hit that mark. James’ jumper with 1.1 seconds remaining in the first quarter gave him eight points for the game…
Sports | New York Post

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BRAZIL: Ibovespa Surpasses 79,000 Points, Pulled By Global Risk Appetite

The Ibovespa reversed an initial decline to end up 0.54% Friday at 79,071.46 points – a new record closing level. The index had a weekly gain of 3.5%, amid rising global risk appetite after disappointing employment data in the U.S. increased bets that interest rates in the country would grow more slowly.
RTT – Economic News

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The Point’s best candidate of 2017


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Weight Watchers Just Added Hundreds of Foods to Its Zero Points List

It’s part of a complete program overhaul.

Health – Good Housekeeping

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The Polarization of Retail Price Points

Retail has changed so much over the last twenty years. Department stores are disappearing and online shopping has taken over the industry. Consignment and thrift stores are gaining momentum. Personalized shopping packages are fashionable, and it’s possible to rent your wardrobe instead of owning it. The new reality is pretty mind-blowing.

It’s not just the way we shop that’s different, the price point structure is changing too. The market seems to be polarizing to two extremes: fast fashion and designer wear.

Fast Fashion is relatively inexpensive and affordable to most. Quality ranges from fair to poor, and is inconsistent from item to item. Some items are sold so incredibly cheaply that I can’t get my head around how they can possible be making a profit.

Designer Wear ranges from pricey to extremely pricey. Quality ranges from good to impeccable. Designs are fairly unique, fabrics and workmanship are superior, and you’re paying a lot extra for the exclusivity and status of the brand. The prices of designer wear also seem to be getting more expensive season after season.

The product that lies between these price points is disappearing. These items are very well made and use gorgeous fabrics. Some thought and precision has gone into their design, and they last over time. They are pricey compared to fast fashion, but not nearly as expensive as designer wear.

A lot of chain store merchandise is getting more like fast fashion, especially since retailers discount the goods regularly and still have to make a profit. They are continuously finding ways to reduce item costs, which takes a toll on the workmanship and fabric integrity.

Brands like Karen Millen and Boden are examples of this disappearing price point. More expensive than fast fashion, but for the price you get a quality item. Years ago, many house brands from Nordstrom fit the bill too, but that is no longer the case.

As a retail buyer I worked closely with clothing manufacturers and learned that superior fabric and workmanship comes at a price. Personally, I will happily pay extra for a wardrobe item that is made of luxe fabric, has all sorts of quality details, is flawlessly stitched together, and handles well in the laundry. But I’m not necessarily looking for designer wear where I have to pay a premium for the prestige of the label. These quality, non-designer items are harder and harder to find and that’s just the way the market is going. Things are fast, faster, or slow, with very little in between.

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The $2 Charge That Dropped My Credit Score 169 Points

Credit Score

So, my personal credit score dropped a whopping 169 points the other day. I’m almost embarrassed to admit it. After all, I co-founded a company passionately devoted to teaching entrepreneurs how to avoid that kind of headache.

 

Credit Score (Image: iStock/AndreyPopov)

 

How did it happen? I’m glad you asked. A credit card of mine—which I hadn’t used in three years—was charged a $ 2 dollar late fee. Yes, you heard me correctly. $ 2 dollars.

The fee resulted from a missed $ 10 dollar payment for an insurance policy I forgot I purchased. Until then, the payments had been coming automatically from a checking account I forgot to close. The account ran out of funds, I was dinged for a measly two bucks, and my credit score plummeted in consequence.

The good news is that I got things straightened out, but it was a pain in the neck to do so and a complete waste of time. The bad news is that if it can happen to me, someone who has spent nearly 20 years navigating the ins and outs of the credit and financing labyrinth, it can happen to anyone.

 

Takeaways:

 

  • Thank heaven for free credit alerts. The minute my credit score started flatlining, I was informed of it.
  • A banking error led to that $ 2 late fee being reported to the credit bureaus, as the bank in question had an internal policy that they didn’t report late payments under $ 10. All of that headache stemmed from one little mishap. Check your report for mistakes regularly.
  • It sucks to forget stuff. Get your accounts in order. Close ones you don’t use. Small details, overlooked, can bite you big later on, so don’t make financial housekeeping a New Year’s resolution—do it now. Today. Five minutes ago. A massive weight will be lifted from your shoulders.
  • When it comes to late payments, credit scoring models care more about the fact that you were late than the dollar amount. Whether it’s $ 2 or $ 2,000 dollars, the impact on your credit score is negative. Set up auto-pay for all your accounts, if you haven’t already.
  • I should have logged in and checked on the credit card every month, if for no other reason than the possibility of identity theft. I would have saved myself a lot of trouble.

There you have it. The confession of a sheepish CEO. May it serve as a warning to check your credit often and keep an eye on your financials.

 

This article was written by guest author Levi King and originally appeared on Nav.com.

Money – Black Enterprise

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Your 5 threenager pain points, solved for good

by

Laura Falin

posted in Life

Those of us who have parented a preschooler have been there at some point. You’re at the playground, it’s time to go, you give them the five-minute warning, and when you actually try to leave…there is wailing and crying and gnashing of teeth. They may throw themselves prostrate on the ground. You may end up hauling a child to the car while they alternate between going limp and thrashing violently and you may swear to them that the next time you take them to the park will be when they’re 23.

No? Just me?

There’s a reason we call preschoolers “threenagers” — they’re going through some of the same stuff at both points in their life. They’re trying to figure out how to be independent and do what they want to do…while still needing you to set boundaries and help them. I like to think of it as the “Go away and leave me alone, Mom…wait, where are you going? Come back! I need youuuuu!!” phase.

So. To help you survive without losing your own mind, here are a few tips — starting, of course, with the playground.

1. How to leave the playground without a meltdown.

I love this suggestion from Mama Instincts for getting your child ready to leave the park (or the library, or the zoo, or anywhere else). Preschoolers don’t really have a concept of time. Heck, without my cell phone, I don’t either. So instead of giving them a warning based on how much time they have left, give them one based on how many things they get to do. “We need to go soon. What is the one thing you’d like to do most before we leave?” They get a sense of control, and they know when it’s time to leave.

2. How to go shopping without a meltdown.

Well, a very specific meltdown, that is. I’m afraid I can’t help you with all of them…but I can help with the very particular meltdown that comes when your threenager wants you to buy toys you don’t plan on buying. Give them your cell phone, let them take a picture, and then “text” it to Santa. The kids feel better knowing that a “no” today might not be a “no” forever…and you have a resource at Christmas when you can’t remember which LEGO set it was they were losing their minds over. You can also send the pictures to family members who might need gift ideas.

3. How to eat out without a meltdown.

This BabyCenter article has some great information on how to take your kids out to eat. I think it’s important to do. Kids need to know how to behave at a restaurant, but at the same time, you don’t want everyone else who’s spending their hard-earned money on a nice dinner to have to listen to twenty minutes of shrieking. I like the suggestion in the BabyCenter article to go early. You’ll be seated and served quicker, and since restaurants are usually less crowded then, you won’t feel as stressed if your child does make noise or gets down and wanders around.

4. How to leave the house without a meltdown.

Preschoolers have a sixth sense that tells them when you’re in a hurry. And then, of course, they insist on tying their own shoes which everyone knows takes 45 minutes and they begin by putting them on backward and…well, you know the drill. As much as you can, have everything ready to go ahead of time. If you’re going to school, have backpacks and lunches loaded up and at the ready. Lay out clothes. Find shoes (oh, goodness…the shoes…!) ahead of time if you can. I know. This doesn’t always work because life gets in the way. But it really helps when you are able to do it.

5.) How to avoid having your OWN meltdown.

So far, we’ve dealt with how to help your preschooler avoid meltdowns. But if I’m being honest, sometimes I’m the one melting down. The Rubber Band Method has been around for a while now, and it’s a great way to use visual cues to help you stop, take a breath, and reset. If you don’t catch yourself in time, there are also ways to make up and repair the damage after you yell at the kids. The Reformed Idealist Mom has a post detailing how to use the Rubber Band Method to help you connect with your kids…and to help you when you slip up. There’s also an effective mindfulness technique where you deconstruct your overwhelm into smaller, manageable parts.

Preschoolers are one of my favorite ages so far. They’re funny and curious and so full of energy…but they’re also maddening and stubborn and easily frustrated. I promise — you got this.

Do you have any advice for parenting preschoolers?

Images by iStock

BabyCenter Blog

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Dow drops 100 points on North Korea jitters

The Dow fell more than 100 points at the open on Tuesday as North Korea’s missile test over Japan prompted President Donald Trump to warn that “all options are on the table”, triggering a flight to safety among investors. The missile, tested early on Tuesday, flew over Japan and landed in the Pacific about 735…
Business | New York Post

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Amazon’s Instant Pickup points could be ideal for grabbing meds, says pharmacy expert

This pharmacy expert says Amazon could serve those who urgently need meds.
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Dow loses more than 100 points amid North Korea tensions

U.S. stocks fell sharply on Thursday, with the Dow slipping more than 100 points, as lackluster results from retailers Macy’s and Kohl’s added to investor nervousness over escalating tensions between the United States and North Korea. North Korea said it was completing plans to fire four intermediate-range missiles over Japan to land near the U.S….
Business | New York Post

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VENEZUELA: Vote-counting Company Points To Fraud In Constituent Election

The figures on voter participation in the election for Venezuela’s National Constituent Assembly, held on Sunday, were manipulated, claimed SmartMatic, the company in charge of counting the votes.
RTT – Economic News

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Rite Aid – Deal of The Week! Crest, Oral-B & 3D Oral Care Products $4 + $1 Off with Load2Card + Earn 300 Plenty Points (worth $3) at Rite Aid! Valid Though 7/15

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Early Study Points to Diabetes Drug Controlled by Light

In lab, exposure to blue light activated medication, but experts stress that much more research is needed
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Rigorous Reading: 5 Access Points for Comprehending Complex Texts

Rigorous Reading: 5 Access Points for Comprehending Complex Texts


What it really means to “read closely.” What could Fern Arable, Jay Gatsby, and Winston Churchill possibly have in common? They all need masterful teachers to help students revel in their complexity. And Nancy Frey and Doug Fisher are just the two mentors to help you make that happen. Call it close reading, call it deep reading, call it analytic reading-call it what you like. The point is, it’s a level of understanding that students of any age can achieve with the right kind of instruction. In Rigorous Reading, Nancy and Doug articulate an instructional plan so clearly, and so squarely built on research, that teachers, schools, and districts need look no further. The 5 Access Points Toward Proficiency 1.Purpose & Modeling: Teachers think aloud to demonstrate critical thinking and how good readers always know why they are reading. 2.Close & Scaffolded Reading Instruction: Teachers engage students in repeated readings and discussions, with text- dependent questions, prompts, and cues to help students delve into an author’s ideas. 3.Collaborative Conversations: Teachers orchestrate collaborative learning to get students in the habit of exercising their analytical thinking in the presence of their peers. 4.An Independent Reading Staircase: Teachers artfully steer students to more challenging books, with strategic bursts of instruction and peer conferences to foster metacognitive awareness. 5.Performance: Teachers offer feedback and assessments that help students demonstrate understanding of text in authentic ways and plan instruction based on student understanding. There’s more . . . Also included are illustrative classroom video clips available via QR codes along with an online Facilitator’s Guide with PowerPoints–making Rigorous Reading the only resource a teacher, school, or district needs to seriously stretch students’ capacity to read and comprehend text.

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Qualifying Times: Points of Change in U.s. Women’s Sport

Qualifying Times: Points of Change in U.s. Women’s Sport


This perceptive, lively study explores U.S. women’s sport through historical “points of change”: particular products or trends that dramatically influenced both women’s participation in sport and cultural responses to women athletes. Beginning with the seemingly innocent ponytail, the subject of the Introduction, scholar Jaime Schultz challenges the reader to look at the historical and sociological significance of now-common items such as sports bras and tampons and ideas such as sex testing and competitive cheerleading. Tennis wear, tampons, and sports bras all facilitated women’s participation in physical culture, while physical educators, the aesthetic fitness movement, and Title IX encouraged women to challenge (or confront) policy, financial, and cultural obstacles. While some of these points of change increased women’s physical freedom and sporting participation, they also posed challenges. Tampons encouraged menstrual shame, sex testing (a tool never used with male athletes) perpetuated narrowly-defined cultural norms of femininity, and the late-twentieth-century aesthetic fitness movement fed into an unrealistic beauty ideal. Ultimately, Schultz finds that U.S. women’s sport has progressed significantly but ambivalently. Although participation in sports is no longer uncommon for girls and women, Schultz argues that these “points of change” have contributed to a complex matrix of gender differentiation that marks the female athletic body as different than–as less than–the male body, despite the advantages it may confer.

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