Cardi B Gets Real About Motherhood – ‘You’ll Never Be Ready For Mommy Mode!’

The rapper is now a mom and is realizing what that really means. But while it’s definitely not easy and nothing can really prepare you for it beforehand, Cardi B wouldn’t have it any other way.

Cardi has been sacrificing her precious sleep ever since welcoming baby daughter Kulture, but that hasn’t dragged her down.

Today, she took to her social media to share a video with her followers in which she addressed her 10 MTV Video Music Awards nominations, something she was obviously really happy and grateful for.

She also went on to open up about motherhood, using a doll to talk to the fans as she apparently did not look a hundred percent at the time and did not want to show her face.

‘Thank you to everybody. I cannot believe that I got nominated for 10 VMA Awards. I’m just been so busy, so tired. Like, I’m in a different world, a different dimension. Now, let me get back to this mommy thing. Let me tell you something. No matter how many books you read or advice I get, y’all will never be ready for mommy mode,’ she said in the clip.

Before that post, she shared a pic that showed only half of her makeup-free face and wrote that she absolutely needed some sleep.

cardiSource: instagram.com

Yesterday, Cardi also posted a pic featuring her and hubby Offset at the doctor with their newborn for a routine checkup and she was not wearing any makeup in that one either.

Ain’t nobody got time for that when they have a bundle of joy to take care of!

As you may remember, Kulture was born on July 10 and the rapper couple is yet to post a pic of her.

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Jerry O’Connell to host ‘Real Men Watch Bravo’ late-night show

Real men watch “Vanderpump Rules” and other catty reality TV shows too.

That’s the message Bravo is trying to get across with its upcoming late show that will be hosted by actor and “Real Housewives” franchise superfan Jerry O’Connell.

“An avid Bravo viewer, Jerry has proven he’s not shy when it…

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10 Real Estate Negotiation Tactics That Can Really Backfire

On the lookout for a new home? First, peruse our list of negotiation dos and don’ts, culled from the advice of industry professionals. The bottom line? As you embark on the process, be your own advocate, but make sure you also respect the sellers’ time and heed their emotional cues. By avoiding these all-too-common behaviors, you can ensure a win-win deal.
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Facebook has a real problem with disturbing content

Dear John: I reported a profile to Facebook through their proper channel because it contained nudity and pornography. This was the Facebook reply: “Thank you for letting us know about this. We’ve looked at the photo, and although it doesn’t go against any of our specific Community Standards, you did the right thing by letting…
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Game of Thrones filming locations you can visit in real life

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HBO’s fantasy drama Game of Thrones is a massive hit with fans. It has become one of the most watched TV shows in history, and is the most pirated TV show ever. The drama is intense, and many of the scenes are incredibly violent. That all makes for great TV, but it is all set to some amazing real-life backdrops that help to set the scene and transport the characters and viewers to the fictional world of Westeros and beyond. If you want to get closer to the show check out some of the real-life Game of Thrones locations you can actually visit.

Dubrovnik, Croatia – King’s Landing

King’s Landing is an incredibly important location in Game of Thrones. It is where the ruling monarch will sit on the Iron Throne, and it is the closest thing Westeros has to a sprawling metropolis. Filming for King’s Landing was done in the Croatian city of Dubrovnik. King’s Landing is where Cersei had to do her walk of shame, as well as the fighting arena where Prince Oberyn Martell met his demise fighting The Mountain in the most bloody of fights. As well as being the location for King’s Landing, fans of Daenerys Targaryen will be familiar with the city as it is where The House of the Undying was shot.

Northern Ireland – Various

Northern Ireland has been the location for many of the scenes in the seven seasons so far of the show. Ballintoy Harbor is where Theon Greyjoy returned to his birthplace of The Iron Islands. The Dark Hedges is the iconic setting of the Kingsroad where many of the cast are spotted entering or exiting King’s Landing. The home of the Stark family, Winterfell, was shot primarily at Castle Ward and fans can head to the historic site and utter the famous words “Winter is coming” if they really want to feel like a Stark.

Iceland – Beyond The Wall

Many of the scenes shot beyond The Wall were actually filmed in Iceland. Fans of snow (both the weather and Jon) can head to this Nordic country to take in some of the most beautiful scenery found in the world. Famous locations from the show include Jon and Ygritte’s love cave, the wilding camps, as well as the location where Brienne bests the Hound in hand-to-hand combat. Fans should head to Lake Myvatn for scenes beyond the wall. Tours are available from the capital city of Reykjavik that will take you to where Drogon attacks a herd of goats and many of the scenes used as backdrops for the white walkers.

Spain – Dragonstone

In season seven few could hardly believe that the location used for Dragonstone was real. The perfect sand and the crazy rock formations looked almost too unnatural to be real, but they are and can be found beside the small town of Zumaia. That long winding pathway Jon Snow meets Daenerys Targaryen on is also very real and is a short trip to the west of Zumaia at San Juan de Gaztelugatxe.

Those were some of the most incredible filming locations Game of Thrones used that people can go and visit. While other locations may have used a large amount of green screen and special effects, these places are true to their depiction on the hit fantasy series.

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The post Game of Thrones filming locations you can visit in real life appeared first on Worldation.

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Nurse Alice: Suicide in Real Life and On TV

Kate Spade and Anthony Bourdain, both loved and widely admired, were both lost to suicide in the same week. They now join the millions of Americans lost to suicide. Every year, 9 million people think about it, 1 million attempt it, and in 2016 alone 45,000 Americans committed suicide.

Suicide is one of the top 10 causes of death in the US. Men have 3 -5 times higher rates of committing suicide than women. And the highest rate of suicide occurs in adults ages 45-65.

Why do people contemplate suicide?

Many people believe that having a mental condition is the cause of suicide. However, there is no one cause for suicide and just because you have a mental condition doesn’t mean you will commit suicide. Fifty-four percent (54%) of those who commit suicide don’t have a diagnosed mental condition. Most people who died by suicide had experienced one or more risk factors that may have contributed, including a relationship problem (e.g., the unwanted end of a relationship), a recent crisis (e.g., death of a loved one) or substance misuse (e.g., increased alcohol intake), job, financial or legal stress. For many, that sounds like “adulting.” And because of that, there’s no better time than the present to check in with our loved ones, friends, co-workers, neighbors and family.

But not only are we seeing this in real life but its happening more in our entertainment as well. After a long day of work this week I decided I would do a solo night of Netflix and chill. When I logged into my account I noticed that my kids had been watching a show called 13 Reasons Why. I was unfamiliar with the show so I began to watch. And my jaw dropped!

I know TV and movies are exploring more sensitive life issues in attempts to depict real-life stories, however, this is not a show that children should be watching alone. In fact, there are probably many shows they shouldn’t be watching but I just so happen to catch this one and became overly concerned. If you’re a parent with kids this is a show you should be aware of. Its already in season 2 and kids (mine and others—probably yours too) are watching it. I polled my nieces, nephews, the neighbor’s kids, kids at church, and several middle and high school kids—many familiar with the show. With what can be mistaken as a glorification of celebrity suicide, and all of the bullying, sexual misconduct, school shootings, and social injustices happening today, kids are experiencing more depression, mood, and behavior disorders that are going under the radar. The last thing you want is for your child who may be remotely experiencing any of these feelings is to watch this show unguided and without support to discuss what they’re watching or feeling.

What is 13 Reasons Why about?

The show starts and ends each episode with actors sharing resources for where one can go for help, however, that’s not enough. Someone who is experiencing suicidal thoughts or ideations may not be in a state or too ashamed to ask for help.

Season 1 of the show opened with the aftermath of high school student Hannah Baker’s suicide. Clay Jensen, Hannah’s classmate and co-worker, then received 13 cassette tapes detailing the reasons Hannah killed herself. Hannah was bullied, assaulted, and ignored while she was alive, but her death and the tapes she left behind changed that. She gained power through suicide, and that’s a dangerous message to send to impressionable minds. Season 1 also includes a failed suicide attempt by another character named Alex who felt guilty about Hannah’s death. And let’s just say, the storyline suggests/shows rape, drinking, bullying, shaming, and other inappropriate behavior and by high school students.

But let’s fast forward to Season 2. The show attempts to address other mental health conditions and their rehabilitation. A character named Skye tries to explain to her boyfriend Clay that she has overwhelming feelings that make her cut herself. She is hospitalized and then sent to a psychiatric facility after a serious self-harm attempt. She’s later diagnosed with bipolar disorder and started on medications. 

What the expert says

I consulted with Dr. Nicole Bernard Washington, a board-certified psychiatrist and chief medical officer and founder of Elocin Psychiatric Services for her professional opinion on the impact a show like this can have on impressionable kids and what parents should do or say if their children are watching this show. 

According to Dr. Nicole, “multiple studies indicate that roughly 40% of children and adolescents with depressive disorders are not treated. Many parents are not able to recognize depression in their kiddos, possibly due to denial and others simply from lack of education.” She also went on to say that parents should be on the lookout for low mood or tearfulness. It is also not uncommon for kids to present as irritable with depression. If a kid starts to isolate from friends or withdraw from activities they love, depression should be considered. Changes in performance in school should be investigated since impaired concentration can be a symptom of depression. Other symptoms include changes in sleep pattern, changes in appetite or weight, energy changes. Lastly, if parents suspect depression in their kids they need to inquire about hopeless feelings or thoughts of suicide.

So why am I writing about this? Because the sad truth is suicide among our youth ages 10–24 is the third leading cause of death according to the Centers for Disease Control and Prevention. We as adults need to do everything we can to create healthy environments for our children. That includes being more engaged and attentive to them, getting them the help they need, involving them in dialogue, and understanding that sometimes what is viewed as entertainment may actually encourage or provoke the behavior being observed as entertainment. 

The post Nurse Alice: Suicide in Real Life and On TV appeared first on Black Enterprise.

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The real reason Queen Elizabeth has been rocking sunglasses

20/20 vision never looked so good.

queen elizabeth cataract sugery
Rupert Hartley/REX/ShutterstockDay, Epsom Downs Racecourse, UK – 02 Jun 2018

We’ve always known Queen Elizabeth is one tough lady, whether she was greasing elbows as a mechanic and truck driver during World War 2 or taking up the mantle of Queen at a young age. Well, it turns out that she actually underwent a cataract operation recently – but you probably wouldn’t have noticed, since she bounced straight back to work afterwards.

It’s just been revealed that the Queen had a cataract treated at King Edward VII Hospital last month, amidst a busy schedule that included hosting the President of Turkey and his wife, throwing a garden party as well as Prince Harry and Meghan Markle’s wedding.

queen elizabeth cataract surgery

DAVID HARTLEY/REX/Shutterstock

A royal spokesperson said, ‘I can confirm that the Queen successfully underwent a short planned procedure to treat a cataract last month.’

Cataracts are an eye condition where cloudy patches develop on your lens, impairing vision. The usual treatment is to have surgery and have your lens replaced with a fake one.

Instead of taking it easy post-surgery however, the Queen carried on with her demanding schedule and didn’t cancel a single engagement. However if you look at recent photographs, you’ll notice that she’s been wearing sunglasses in quite a few of them.

queen elizabeth cataract surgery

REX/Shutterstock

We thought initially it might be a bold fashion statement on the Queen’s part (who can forget her Instagrammable loafers?), but now we think it’s probably because she needed to protect her healing eyes.

The Queen isn’t the first person to have cataracts in the family, as the condition tends to be passed down through generations. The Queen Mother also had cataracts and underwent surgery at the age of 95.

The post The real reason Queen Elizabeth has been rocking sunglasses appeared first on Marie Claire.

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Drake Can’t be Black in His Music but Mixed in the Real World [Opinion]

In a recent rap battle with fellow rapper Pusha T, Drake was exposed for wearing blackface in photos that he took in 2008. The Canadian-born rapper’s reasoning for these photos was that he was trying to shed light on the lack of opportunities that black actors faced when trying to get roles in movies and television. I understand his message and what he was trying to say, I just believe this wasn’t the right way to go about it.

Blackface, predominantly used during the 19th century, represented a time when black people were portrayed as the butlers, the maids, the drivers, and the servants. It also contributed to many racial stereotypes that still exist today, so it baffles me that Drake can take these pictures thinking it was a good idea. As I stated, I understand his interpretation/idea, but when you are a public figure (which he was at the time as an actor on Degrassi: The Next Generation) you have a responsibility to not be insensitive about how people perceive your actions and words.

Drake’s claim was that he was an advocate for black actors 10 years ago, but why hasn’t he been an advocate for black people in the last 10 years? Why have we never seen Drake at any rallies for issues affecting African Americans? Why has he never spoken on police brutality, racism, prison reform, etc.? Drake is arguably the biggest rapper that we have in the genre, which means he has one of the biggest platforms, and you mean to tell me he can’t even retweet topics concerning blacks? In a nutshell, Drake wants to be accepted by black culture and be able to say the n-word in his lyrics, but when it is time to speak for us he is silent. He is not above reproach just because he’s one of the biggest-selling artists of all time; we must hold him accountable for his actions or lack thereof.

Rappers like J.Cole, T.I., Jay-Z, and Nipsey Hussle, just to name a few, have all at one point been advocates for black social issues. They don’t think that just because they are millionaires they no longer have a responsibility to their culture and community. Why has Drake never used his voice in the past?

Drake has this clean-cut image that would be affected if he said anything controversial or made people nervous.  He has to protect his sponsorship from companies like Apple, Sprite and Adidas.  Drake can’t be black in his music but mixed in the real world. That is not how it works.

 

The post Drake Can’t be Black in His Music but Mixed in the Real World [Opinion] appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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Turning 21? Here’s How to Manage Your Money Like a Real Adult


Turning 21 is a pretty big milestone.

Aside from the ability to legally drink alcohol and all the responsibility that comes with that, your 21st birthday serves as the final stepping stone into adulthood and all the responsibilities that come with that.

I mean, sure, for some people, 21 is liberating — the beginning of the rest of their lives.

But for others, 21 simply means financial independence.

And while it’s all rosé-colored glasses for the first few months, you quickly realize just how much a good bottle of your favorite Cab Sav costs and that things like, oh, y’know, cooling and heating your living space to temperatures that don’t make you want to tear your skin off or burrow into the earth, respectively, means dropping the big bucks.

Yeah, there’s a reason that internet joke about dads and thermostats makes the rounds, and I’m betting you can finally relate.

Add in student loan payments that are about to kick in, heading into your first adult job and your parents letting you know you’re on your own for car insurance, and it’s enough to make your head spin more than it did the night you went out to celebrate your first night as a legal consumer of alcohol.

Yikes.

If you’re freshly 21 — or getting close to it — we’ve got some tips and tricks for making, saving and managing your money so you don’t end up blowing this whole adulthood thing on your first try.

Financial Tips and Tricks Every 21-Year-Old Should Know

Whether you’re worried about budgets, bills or booze money, here are some things a 21-year-old should know about managing money.

1. Make a Little Wiggle Room in Your Bar Budget

hand holding glass of beer on table
Carmen Mandato/The Penny Hoarder

Look, I understand. You’re finally legal. You’re ready to hit the very bars that have been turning you away for years. (Just remember to drink like a responsible adult!)

But if you’re not careful, it’s easy to blow your entire beer budget in one weekend — after which you’ll be stuck drinking $ 3 wine at home by yourself while your coworkers hit up happy hour.

Luckily, there’s a way to earn cash back on alcohol.

Yeah, seriously.

Ibotta is an easy-to-use cash-back app that’s partnered with more than 50 retailers offering deals on many of your favorite brands.

The app features both liquor store deals and cash back on drinks from any restaurant or bar.

We’ve seen deals like $ 5 back on 750-milliliter or 1-liter bottles of Absolut vodka, $ 3 back on any pitcher or bucket of Budweiser or Bud Light and $ 3 back on any mixed drink or cocktail featuring 1800 Tequila.

Those are some pretty sweet deals.

2. Know Your Credit Score

credit score on chalkboard
Carmen Mandato/The Penny Hoarder

If you’re just starting out in the adult world, you’ll quickly learn your credit score is the key that opens nearly every door. (Sometimes frustrating, but true.)

Want to rent an apartment? They’re going to check your credit.

Ready to buy a car? Credit check.

Need to refinance your student loan? They’ll be checking. That. Credit.

The first step to having a good (or great!) credit score is knowing what you’re dealing with.

Your credit report will give you this information.

You can get your credit score and “credit report card” for free from Credit Sesame. The website breaks down exactly what’s on your credit report in layman’s terms, how it affects your score and how you might address it.

Jerry Morgan was able to increase his credit score 120 points after signing up with Credit Sesame, thanks to the platform’s suggestions and resources.

He’s also learned a lot about what elements go into a credit score and how to keep his score as high and healthy as possible.

If there’s one thing you learned at college, it’s to never pass up free stuff, right?

3. Cut Your Debt Interest Rates

Credit card being cut with scissors
Elenathewise/Getty Images

Like so many other young people these days, if you grew up in a home where debt wasn’t discussed, you probably weren’t aware of just how easily you could get sucked into the quicksand pit of credit card debt.

And you probably didn’t understand the impact it would have on your young life, either.

If you’re sitting on an account showing a few too many zeros (and not the positive kind), but find yourself unable to dig yourself out because of sky-high interest rates, it might be time to look into refinancing or consolidating your credit card debt.

A good resource is consumer financial technology platform Even Financial, which can help match you with the right refinancing loan to meet your needs.

Even searches the top online lenders to match you with a personalized loan offer in less than 60 seconds. Its platform can help you borrow up to $ 100,000 (no collateral needed) with fixed rates starting at 4.99% and terms from 24 to 84 months.

All it takes is three easy steps to know what kind of loan you qualify for.

4. Wow Your Friends by Becoming a Real Estate Investor

house for sale in st. petersburg
Tina Russell/The Penny Hoarder

Listen, it’s not every day a 21-year-old can say they invest in real estate.

But this one isn’t just for the street cred — it’s also a smart way to dip your toes into the world of real estate investing without handing over thousands (or even hundreds of thousands) of dollars.

Twenty-one-year-old Katie Smith, who recently graduated from Georgetown University in Washington, D.C., had some money sitting in a regular, low-interest savings account.

She knew her money could be making more money and liked the idea of investing in real estate, she didn’t really have “buy a house” kind of money.

Then she heard about Fundrise.

You can start investing in real estate with a minimum investment of just $ 500, and Fundrise does all the heavy lifting for you.

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

This isn’t an obscure investment, though. You can see exactly which properties are included in your portfolios.

“I can go into my Fundrise account and see what I actually own,” Smith says. “I own a piece of an apartment complex in Ann Arbor, Michigan. Property on the West Coast. Bits and pi

5. Set Your 401(k) — and Yourself — up for Success

Kelsey Buxton walks through the downtown area of St Petersburg
Carmen Mandato/The Penny Hoarder

If you’re just getting started with a real adult job (or will be soon), you’ve probably been hearing a lot of talk about 401(k)s.

If you have a 401(k), you’re on the right track.

Now, though, you need to make sure it’s doing the absolute most to get you ready for retirement.

We know: Understanding, managing and optimizing your 401(k) account takes up more time and brain-power than most of us are willing to commit.

When Kelsey Buxton opened her 401(k) account in November 2016, she had big plans to get the most out of it with some smart investing.

“But that’s a full-time job,” she says. “That’s what a financial adviser is for.”

Luckily, she found a robo-adviser for that. Blooom, an SEC-registered investment advisory firm, will optimize and monitor your 401(k) for you.

It gives you an initial 401(k) checkup for free, and you’ll get to know your account a little more intimately. Find out whether you’re paying too many hidden fees, have the appropriate amount invested in stocks versus bonds, that kind of fun stuff.

After that, the tool is $ 10 a month to use to continue to monitor your retirement account. Let Blooom know your target retirement age, and it can help you get there by investing more and less aggressively.

6. Save for a Rainy Day

Rainy Day Outdoor silhouette
Xesai/Getty Images

Remember all that adult responsibility we were talking about earlier? Yeah, that comes with a lot of surprise expenses.

From emergency vet visits or medical bills to pricy repairs when your car starts making that thudding noise one random morning, unplanned expenses crop up everywhere.

The adult thing to do? Save up an emergency fund to fall back on.

If you’ve tried (and failed) in the past to beef up your savings account, you’re probably wondering how this time will be any different.

Not to worry: Chime has your back.

Chime is an online-only bank account that offers some unique features other banks haven’t caught on to yet.

Along with not charging overdraft fees, monthly maintenance fees, foreign transaction fees or minimum balance fees, Chime gives you access to thousands of fee-free MoneyPass ATMs around the country and even has a “Pay Friends” feature, so you don’t have to mess with cash, math or other apps to split the bar tab.

But that’s not even the best part.

Chime also has this awesome feature called “the round-up tool,” which will round up your transactions to the nearest dollar and dump the change into savings.

Recently, Samuel Demeny switched from Wells Fargo to Chime to get away from those unnecessary fees and restrictive daily spending limits.

After opening his account, Demeny decided to try out Chime’s automatic savings tools. Within nine months, he managed to save up $ 800 — money that will help him with last-minute moving expenses when he and his boyfriend make the move from Texas to the Pacific Northwest.

7. Start Investing Like an Adult

Derek Mateo handles cash in Orlando Florida
Carmen Mandato/The Penny Hoarder

As you venture further into adulthood, you’ll hear more and more people at more and more social functions talking about things like investing.

If you want to get ahead of the financial game (the small-talk-at-adult-dinner-parties potential is an added perk), try investing with Stash.

Stash lets you start investing with as little as $ 5 and for just a $ 1 monthly fee for balances under $ 5,000.

The app curates investments from professional fund managers and investors and lets you choose where to put your money — but it leaves the complicated investment terms out of it.

You just choose from a set of simple portfolios reflecting your beliefs, interests and goals.

Plus, right now, The Penny Hoarder is teaming up with Stash to fund your first investment — so you’ll get a $ 5 bonus to get started!

8. Stay on Top of Your Student Loans

Graduating class
LawrenceSawyer/Getty Images

If you recently graduated or will soon be graduating from college, you probably have student loans looming ominously on the horizon.

The best thing you could possibly do for yourself? Learn everything you can about paying them off, and make a plan to stay on top of them when repayment time hits you like a ton of bricks.

First, you’ll need to know your loans inside and out.

Then, set your student loan repayment journey up for success: Know what you owe, understand what “deferment” means, figure out how to lower your interest rate and learn how to make a little extra money so you can pay down your loans quicker.

And when you hit that point that we all hit — that “will this be the rest of my life?!” point — here’s a little inspiration that just might get you through it.

9. Let This Financial Assistant Negotiate Your Bills Down

man sitting at a desk by a window at home, paying bills.
kali9/Getty Images

Somebody’s gotta keep the Wi-Fi on.

I mean, how else would you Tweet your very valid opinions on the latest episode of “Drag Race” or post that fire selfie on Instagram? (You’ve got your priorities; no shame in that game.)

While you’ve probably heard you can call your cable company to negotiate your cable and internet prices down, if you’ve actually tried it, you know how long you can sit on hold.

That’s why it’s time to call in a robot. The personal finance bot Trim will negotiate your cable or internet bills down for you.

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

You can sign up simply with Facebook or your email address. Then, upload a PDF of your most recent bill, and Trim’s magic gets to work. If at first it doesn’t succeed, it’ll keep negotiating until it can save you some money.

Trim takes 25% of the savings tab, and you get the rest.

A robot that will work to save you money? That’s some of that “living in 3018” business.

10. Learn How to Budget

Margo Macys is the trusty mascot of a home office in Tampa Florida
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A 21-year-old needs a budget — no ifs, ands or buts about it.

If you’re making money, paying bills and still hoping to have a little spending money to live that (sort of) carefree lifestyle of the young and untethered (you’ve got big plans to travel, right?!), you need to be allocating every dollar to, well, something.

Yeah, now that you’re 21, it’s time to create a budget for yourself.

It’s not as easy as just spitting out some guesstimates of what you spend (or want to be able to spend) on the daily, but it also doesn’t have to be a totally intimidating process. We’ve got some tips that will help you create a budget that works for you — meaning you’ll still be able to funnel some money into your travel fund.

The most basic budgeting rule is the 50/20/30 rule. It’s not a science, but it’s a great starting point that will help you understand how much of your paycheck you should allocate to different areas of your life.

Once you’ve got the basics down, follow these seven steps to creating a budget that fits into your life — not one you have to fit your life into.

eces of apartment complexes in Texas and Denver, a construction loan, a mixed-use property.”

11. See Whether You’re Paying Too Much for Car Insurance

General View of the city of Chicago
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For most people, car insurance rates will begin to drop dramatically once you hit 25. But even at 21, you might be overpaying for car insurance and not even know it.

While there’s no way to completely avoid paying for car insurance if you own a car, one way you could save money is by shopping around and comparing rates at least once a year.

If you’re a smart shopper, you already compare prices, right? So just like you compare the prices of flights, shoes and laptops before purchasing, why not compare car insurance?

The Zebra, an online car insurance search engine that offers “insurance in black and white,” compares your options from 204 providers in just a few minutes.

Artie Januario was paying $ 95 a month for car insurance, and because one of his best friends was his insurance agent, Januario didn’t question it. (Question everything, guys.)

After a cross-country move from Boston to Austin, Texas, he decided to try out The Zebra’s services. Within half an hour of starting his search, Januario had new insurance, and his monthly payment was just $ 65 — a pretty big deal, because car insurance rates in Texas are generally higher than those in Massachusetts, where he’d been living before.

A Real Adult With Real Adult Finances

Yeah, that’s you — the real adult.

And whether your plans involve grad school, a life of travel and adventure, or getting a jumpstart on your career goals, you’ll need to keep a close eye on your finances to ensure they’re going to get you where you want to go.

In the meantime, though, feel free to pop a few bottles to celebrate the last birthday people will actually get excited about.  

Grace Schweizer is a junior writer at The Penny Hoarder.

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

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What is Owner Financing in Real Estate?

Buying a home can be a stressful experience, especially when you are trying to come up with the funds to purchase it. Fortunately, there are many different options for financing.

You may have heard of mortgages, or third-party financing, where a bank or other lending institution provides a loan to the buyer that the buyer pays back over time. But when a buyer cannot get financing through a lender (or just decides not to), sometimes the seller will provide financing to the buyer.

This is called owner financing or seller financing and similar to a mortgage, the buyer pays the seller a pre-determined amount of money in regular intervals until the loan amount is payed off.

This post explores owner financing, which situations it’s most commonly used in, and the pros and cons for both the buyer and seller.

When Would You Use Owner Financing?

Although there are many reasons why both a buyer and seller might agree to owner financing, two of the most common circumstances where owner financing work in a home purchase are:

  • The buyer is having problems qualifying for a bank loan. If the buyer has poor credit, too little credit history, or otherwise has issues getting a standard mortgage, owner financing offers the buyer another option for purchasing the home. They might even have an easier time negotiating the home price, interest rate, or other details with the homeowner rather than a bank, lender, or real estate agent.
  • The home seller is having trouble finding a buyer. If the home has been on the market for a long time and the seller decides to offer owner financing, they immediately have access to a whole new group of potential buyers that may have otherwise been discouraged from looking at the property.

How Does Owner Financing Work?

Owner financing works exactly how it sounds – the homeowner provides financing in the form of a loan to the person who buys their property.

The basic process usually starts with the buyer and seller agreeing to the details of the sale by signing a Real Estate Purchase Agreement.

Once that is done, a Promissory Note is used to outline the details of the loan (including an interest rate and repayment schedule) and enforces the buyer’s promise to pay back the loan within the amount of time indicated in the note.

Combining a Real Estate Purchase Agreement and Promissory Note is a common way to provide owner financing in a real estate transaction.

LawDepot’s Contract for Deed can also be used for owner financing, but the seller needs to completely own the property (meaning the property is entirely paid off). Using a Contract for Deed may be simpler, as a Promissory Note is not needed if this document is used, but it may pose greater risk for the seller.

Whichever option you choose, it’s important to do research to determine which financing method works best for your situation.

What Are the Pros and Cons of Owner Financing for Buyers?

As you can probably imagine, owner financing in a real estate purchase has different advantages and disadvantages for both buyers and sellers.

For buyers, seller financing has the following advantages:

  • Closing a home sale can be quicker with seller financing. Since the loan doesn’t have to go through a number of financial and legal departments that typically would be associated with a lending institution or bank, the buyer can take possession of their new home faster.
  • The overall costs associated with selling the home can be lower. Without having to pay things like bank fees or appraisal costs, the cost to the buyer is lower than it would be if they went through a third-party. Also, the down payment amount required for the home tends to be more flexible.
  • Buyers have a financing option if the bank turns them down. If a buyer is unable to get a loan through a third-party like a bank, owner financing provides them with an alternative financing option.

For buyers, seller financing also has the following disadvantages:

  • The buyer can end up paying a higher interest rate than they would to a bank. Since the seller determines the interest rate, it is possible that they would want to ensure the highest possible return by charging the buyer a high interest rate.
  • The buyer still needs to provide proof that they will pay back the loan. If the buyer was turned down at the bank, chances are the seller will need to be convinced that the buyer is still worthy of the loan.
  • Buyers need to beware of the “due on sale” clause. A due on sale clause is typically included in a mortgage to prevent the homeowner from selling their home before it is paid off. However, if the original homeowner (seller) does sell without the lender’s consent, it could mean that the new homeowner (buyer) is at risk of losing their new home if the lender decides to foreclose on the property.

What are the Pros and Cons of Owner Financing for Sellers?

For sellers, owner financing has the following advantages:

  • It’s a great opportunity for a gain on investment. It’s possible that the seller will earn more money from financing the home to a buyer, since they can choose to charge a higher interest rate than a lending institution or bank.
  • The homeowner can sell the home “as is”. The seller can possibly avoid having to make costly repairs that they may have been obligated to make if they sell the home in a way other than owner financing.
  • The home may sell faster. Because owner financing means that more people potentially have access to financing the home, it means that the home will likely sell faster than it would without the owner financing option available.

For sellers, owner financing may present the following disadvantages:

  • The seller would be responsible for taking action if the buyer defaulted on loan payments. Since the seller is financing the loan, they would ultimately be responsible for taking legal action if the buyer stopped making payments.
  • The seller would be responsible for any repairs if they take back the property. If the seller ends up taking back the property for whatever reason, they may be responsible for any repairs or maintenance before attempting to sell the property again.
  • The seller may face unexpected legal costs. If the buyer defaults on paying back the loan or another problem with the seller occurs, the seller might be responsible for any legal costs associated with dealing with the problem.

Choosing to Go with Owner Financing

Whether you are a buyer or seller, owner financing is a viable option to purchase or sell a home. While there are many different considerations to weigh before choosing owner financing, knowing the basics is helpful so that you can make the best decision for your own situation.

 

Would you consider owner financing? Let us know in the comments!

The post What is Owner Financing in Real Estate? appeared first on LawDepot Blog.

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Olivia Munn Gets Real About Aaron Rodgers’ Estrangement From His Family

Olivia Munn may have moved on from Aaron Rodgers in many ways, but that doesn’t mean she’s not able to get honest about certain aspects of their relationship. More specifically, she’s letting people in on the real reason Rodgers has a strained relationship with his family and how that affected his relationship with Munn.

More: Aaron Rodgers Blames Olivia Munn Split Partly on “Inappropriate Connections”

During her appearance on Watch What Happens earlier this week, Munn discussed just how tough things were with Rodgers and his family right from the start of their relationship.

“He hadn’t spoken to the parents and one brother [Jordan], for, like, eight months before we started dating,” Munn explained to Cohen as a way of explaining away complaints that she was the source of trouble.

Munn also explained that she tried to help patch things up between Rodgers and his family a couple of times. “They had a nice conversation and then they started coming out my first year when I was in Green Bay in 2014. […] I just think it’s really important to try to mend things in a family and I encouraged that. But at the end of the day, I mean, um…”

“It was out of your control,” Cohen filled in for her.

More: Aaron Who? Olivia Munn Found Herself a Spanish Hunk

And while Munn states that she played peacemaker with Rodgers and his family as well as maintained a friendly relationship with his brother, Jordan Rodgers, it all seems to have been for naught. She hinted that the strained relationship between Aaron Rodgers and his family may have come from his fame as a major NFL star.

“I do believe that family and fame and success can be really complicated if their dreams are connected to your success,” she told Cohen, going on to explain, “[His family is] all in sports, and Aaron is one of the best if not the best quarterback to ever play the game. Their work has a direct connection to what he does. At the end of the day, there’s a lot of complications. I don’t think either side of the road is clean, but I do think it’s not OK when you try to stand on someone’s shoulders and then throw dirt in their face, which is what they did for him.”

More: Olivia Munn’s Quitting Aaron Rodgers Cold Turkey

The couple, who were together for three years, certainly went through some highs and lows. And while we always knew they were on a rocky journey as a couple, those private details came to the surface in bits and pieces back then; we never really had a clear picture of who was or wasn’t in the wrong in that situation. With Munn’s input, it sounds like Rodgers and his family have always had issues because of the way they’ve treated their very famous son.

Munn and Rodgers may have moved on from their relationship, but it’s kinda nice to see that Munn is still in his corner defending him.

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The 15 Cities Where You Get the Most Bang for Your Real Estate Buck

While homeownership is an exciting prospect, potential buyers face a number of perils, including the possible devaluing of a newly acquired property. The secret to avoiding pitfalls while snagging a solid investment? Purchase a home in the right location—for instance, in one of these 15 cities, which are considered the best places to buy a home today, based on extensive market research into home prices, quality of life, trends, average home size, and more.
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Real Money and Real Opportunity: The Impact of the Cryptocurrency Gender Gap

If you have been treating Bitcoin, cryptocurrency and block chain as background noise, it may be time to pay attention. This new form of financing is changing the way everyone lives, works, plays and donates—and a gender gap has already formed in who is benefitting from its rise.

2015’s Coinbase study showed that 90 percent of investors in Cryptocurrency were men. Forbes reported, for the first time ever, the richest people in cryptocurrency in February—a list that included 20 men and no women with at least $ 350 million in net worth. Coin Dance, which tracked Bitcoin Community Engagement by Gender, reported that engagement was 95 percent male as of this month. The upcoming BlockShow Europe 2018 in Berlin later this month, which boasts more than 3,000 participants, has 73 experts listed as speaking online; only 13 are women.

Still, notable innovative women are thriving in the cryptocurrency space. Tina Hui, CEO and founder at Follow The Coin and Brit Morin, a Silicon Valley entrepreneur in block chain, recently hosted a cryptocurrency event for 500 women attendees and live-streamed to another 16,000. A group in New York City called Women in Blockchain boasts more than 1,900 members. Coinreveiws listed 24 women in blockchain/crypto to follow in 2018. A 2017 survey by Myetherwaller showed that women make up 16 percent of traders on their site.

Women’s participation appears to be growing, but still a long way off from parity—and as possibilities in this realm grow, that means they’re missing out on myriad economic opportunities. The block chain backbone is changing the way we use global currency.

A new movie, “Lamborghini,” starring Antonio Banderas as car designer Ferruccio Lamborghini and Alec Baldwin as rival Enzo Ferrari for the first time will be financed by crypto currency. It will be co-produced through a blockchain based social entertainment platform that rewards viewers.

Two recent philanthropic gifts generated by cryptocurrency wealth also manifested into real cash. The Pineapple Fund, which plans to donate $ 86 million worth of Bitcoin, was launched by an anonymous donor who claims to be one of the 250 largest holders of the currency worldwide; a $ 1 million dollar gift was made to BitGive Foundation, which accepts donations in Bitcoin and uses block chain technology to trace transactions on a public platform in real time to show donors how funds are spent and ensure they reach their final destination. And the Chronicle of Philanthropy recently reported that a sole donor—Ripple, a cryptocurrency company—had fulfilled over 35,000 requests on DonorsChose, totaling $ 29 million in the cryptocurrency XRP, from teachers who needed money to cover expenses for their classrooms, marking the largest gift in the 18-year history of the platform with an impact that will be felt at one in six public schools nationwide.

Currency is the first application at the start of the economic transformation to disrupt how we use and manage ownership of assets, identity and much more—and gender diversity in cryptocurrency could result in more overall investments in causes affecting women and girls.

A more equitable cryptocurrency space and gender parity in block chain can drive solutions to  benefit women as part of the greatest wealth generator in the next decade. You can bet on it.

Cynthia Yung is Executive Director of The Boone Family Foundation and a Public Voices Fellow through The OpEd Project.

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The post Real Money and Real Opportunity: The Impact of the Cryptocurrency Gender Gap appeared first on Ms. Magazine Blog.

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The Real History Behind Book Burning and Fahrenheit 451

When the HBO adaptation of Ray Bradbury’s Fahrenheit 451 premieres on Saturday, the movie will introduce a contemporary twist to the centuries-long history of burning books — one in which Bradbury’s story plays a significant role.

References to book burning date back far into history: The Chinese Emperor Shih Huang Ti “thought that if he burned all the documents in his kingdom, history would begin with him” in 213 BCE, TIME previously noted. And when “the Mongols sacked Baghdad in 1258, the waters of the Tigris were said to have run black with ink from all the destroyed books.” But, experts say, book burning as we know it today is a relatively recent development.

“In the modern sense, it’s very much a mid-20th century idea, very much a propaganda thing that happens during World War II,” says Matthew Fishburn, author of Burning Books.

The defining moment for that modern history came in 1933, with one of history’s most infamous book-burnings — the one that prompted TIME to coin the word “bibliocaust.” It was that year, in Berlin and elsewhere, that Nazi forces led the burning of tens of thousands of books, from the works of Sigmund Freud to those of Jack London. Along with the Nazi ideology that there existed a superior race of people came the idea that there was one true cultural and ideological canon; that which didn’t fit was consigned to the fire.

“The old goes up in flames, the new shall be fashioned from the flame in our hearts,” Nazi propaganda minister Joseph Goebbels told the crowd then, as TIME reported.

As the scholar Rebecca Knuth explained to Smithsonian.com last year, the path to that moment in 1933 in some ways starts with the printing press and the subsequent spread of mass media. Whereas hand-written manuscripts that predated movable type were more valuable for their scarcity, relatively few people had access to them and not everyone understood just how much the distribution of knowledge could change world events. Although books had always been (and still are) incidentally destroyed or stolen in times of conflict, it was only later that their destruction gained greater symbolism, even as they became easier to replace. (What TIME called a “bibliocaust” Knuth has called “libricide,” which she uses to describe the 20th-century phenomenon of “large-scale, regime-sanctioned destruction of books and libraries” within “a framework of genocide and ethnocide.”)

As the U.S. Holocaust Memorial Museum points out in its record of that moment in 1933, Germany’s history of burning books didn’t start with the Nazis. In 1817, for the 300th anniversary of Martin Luther’s launching of Protestantism, students held a major burning of “Un-German” books. According to Fishburn, by the time of the Nazi book-burning, in some ways the practice would have seemed “weirdly anachronistic,” a holdover from an earlier time when burning a book could have actually made a difference in what people knew.

“Books were in such multiples, thanks to industrial book production,” Fishburn explains, “the idea that you could get rid of the books you didn’t like seemed impossible.”

That is perhaps, he says, why it took a little while for the wider world to understand what the Nazis were up to. Some authors initially felt pride to have been included in such a bonfire, and Fishburn says that some book lovers in English-speaking countries expressed a certain wistfulness that in Germany books were thought to hold such power. But the Nazi authorities really were out to close off society to certain ideas, and they were unfortunately far more successful at it than many expected.

When that truth became clear, the modern power of book-burning was reinforced — as was the idea that to be the one burning the books was a sure sign of villainy.

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In 1945, after the Allies defeated the Nazis, Berlin saw another round of what was described as a “literary cleanup” — this time an anti-Nazi one — that TIME noted was “not quite like Goebbels’ book-burning; but yet it was quite like it.” In general, though the U.S. government participated in this effort, it did so with a consciousness that it was better to quietly pulp the undesirable books than to burn them publicly.

“It becomes very bad to be labeled a book burner, but it’s not necessarily considered bad to just clear out whole shelves of books from a public institution,” Fishburn says.

The taboo against book-burning was highlighted when, not long after, the United States experienced its own period of fear about books that didn’t fit in. In the 1940s and ’50s, as the Cold War took seed, the country saw its share of book-burnings. In 1940, members of the Binghamton, N.Y., Board of Education, for example, proposed a public burning of textbooks thought to be subversive. (In a crucial distinction from the Nazi book-burning, most American incidents took place on the local level; the federal government was well aware of the backlash that would come with publicly burning books, says Fishburn.)

In 1953, at the height of the American book-burning debate, the American Library Association and American Book Publishers Council issued a statement defending “the freedom to read.” It was that same year that President Eisenhower delivered a commencement address at Dartmouth imploring students, “Don’t join the book burners.” As Fishburn notes in his book, Bradbury’s Fahrenheit 451 came out in 1953, having been written in the context of this national conversation. Fishburn posits that “the iconic role of book burning in the popular imagination took hold, and an orthodox position on book burning was forged” in this period between 1933 and 1953.

Book-burning by then had become a sort of shorthand: if you are on the side of book-burners, you’ve already lost the argument.

The release of Fahrenheit 451 in many ways marks the end, or at least the culmination, of the modern era of book-burning. The Nazis had reintroduced the idea to society and the U.S. had learned the hard way that, due in large part to that association, the practice was taboo. By the time Bradbury wrote his book, the symbolism of the idea would have been clear to all of his readers — and it still holds today.

As Knuth notes in Burning Books and Leveling Libraries, the 20th-century phenomenon of mass regime-sponsored destruction of books has been accompanied, especially more recently, by more scattershot small-scale destruction, such as a Koran-burning planned by a small Florida church in 2010. This works on the same theory as mass book burning does: books represent ideas, and destroying them is also a surefire way to get attention, even if it doesn’t entirely accomplish what the book-burners wanted.

And large-scale book burning does continue: In 2013, al-Qaeda-affiliated militants in Mali burned the library in Timbuktu and in 2015 ISIS burned books from Mosul’s library, as a show of both ideological and territorial conquest.

So, though the prime era of book-burning has passed, and with it the atmosphere that created Fahrenheit 451, the symbolism is baked into the world’s memory, and words on fire are still a tragically powerful image. As TIME’s Lance Morrow wrote in 1988, after a fire at the main library of the Soviet National Academy of Sciences in Leningrad, “whenever books burn, one is haunted by a sense of mourning.”


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Bestselling Author Jessica Knoll Is Back with a Real Housewives-Inspired Page-Turner,The Favorite Sister

Fans of Real Housewives in need of a summer beach read, rejoice — Jessica Knoll has got you covered. The New York Times bestselling author’s debut novel, Luckiest Girl Alive, was the breakout hit of 2015, instantly topping the bestseller list for months and garnering praise from celebs such as Jessica Alba, Sarah Michelle Gellar and Reese Witherspoon, the last of whom even optioned the film rights.

Now Knoll is back with a second page-turner, stomach-churner of a book, The Favorite Sister. The smart and sharply written thriller is sure to be the beach read you’ll hear everyone raving about this summer, and it’s already on the radar of celebs like UnREAL star Shiri Appleby and former 2 Broke Girls star Beth Behrs.

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The plot centers around two fiercely competitive sisters who are cast on Goal Diggers, a Real Housewives of New York-esque reality TV show about ambitious, entrepreneurial women who will do anything to succeed — even commit murder.

After one of the sisters ends up dead, the plot unfolds through the eyes of the show’s stars to reveal who killed her, how and why. Reading this book is as addictive as scrolling through your Instagram or Twitter feed, and certainly as binge-worthy as any reality TV marathon.

Knoll admitted to NPR that she’s spent a fair amount of time indulging in the “guilty pleasure” of binging reality TV herself, which certainly shows in her extraordinarily familiar — yet still surprising — RHONY-inspired characters. “It’s an homage to them. I love these women. I really do,” she told NPR’s Lulu Garcia-Navarro.

“For whatever you have to say about them, they are dynamic women. They have strong personalities. They’re loud. And we don’t get to see women act like that very often in our culture, so I think it’s something worth celebrating.”

The novel, out May 15, is already popping up on summer reading lists — you can pick up a copy at your local bookstore or order it online here.


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Black-ish’s Real Life ‘Bow’ Tells Her Story, Her Way

Fans of ABC’s Black-ish had a group meltdown on Twitter the other night during an episode titled, “Blue Valentime,” in which the show’s endearing main characters, Dre (Anthony Anderson) and Bow (Tracee Ellis Ross), confronted a marital split.

“Nope….nope….as a child of divorce, I am not about to have Dre and Bow break up our family a week after Cosby is convicted and the same day Kanye is saying slavery was a choice,” tweeted Brittani Jaccaro, aka Binge Watch Bestie.

Perhaps fans take the show so personally because they know that Dre and Bow and their brood of five children sprung less from the imagination of show creator Kenya Barris than they did from his actual life.

Award-winning writer Barris has six children with his wife of almost 20 years. Like the character Ellis Ross plays, she is a physician who works hard, laughs easily, and doesn’t ever take herself too seriously. She also happens to be smart, loving, opinionated, bi-racial, and is nicknamed Bow, for Rainbow—just like her counterpart on TV.

(Rainbow Barris)

She met Kenya in high school, although they didn’t start dating right away. And while the couple is living large now (not merely because of the size of their brood, ages 18 to 1), they each worked long and hard for their success.

In fact, Dr. Barris, the middle of five children in a blended family, was the first in her family to attend college. Although she was gifted in science and math, she had few professional role models and no thought of being a physician until a professor suggested it at the end of her sophomore year.

“I didn’t have a vision,” she says, looking back on her and Kenya’s early years of struggle. “I had a lot of nights of tears, and times when I wanted to give up. People think things happen overnight and you’re so driven. I just knew I had to keep going because there was nothing to fall back on.”

While her husband spent the last four seasons presenting his celebrated fictional version of their family life on TV, Dr. Barris quietly decided to pen her own version of the real thing. Drawn from notes she began recording on their family life several years before the show was even a thought, her new book, “Keeping Up With the Johnsons: Bow’s Guide to Black-ish Parenting,” is being released on May 8.

(Rainbow Barris)

In an interview hours before last night’s unsettling episode aired, she made it clear that her and Kenya’s real-life marriage is on solid ground, and she’s pleased to finally be having her own say.

 

What’s the difference between your telling of your family’s story and Kenya’s?

Mine is the truth and it’s right! [she laughs] Black-ish tells so much of our life, but it’s told from a male perspective. The situations are the same, but the narrator really does control how that situation is received. In my telling of the story, I probably focus more on the kids and things around me, not as much on myself—which is what we do, as women.

 

The book opens with a story that is hilarious but shocking. It’s hard not to give too much away, but it involves a fitting room, a nursing baby, a screaming toddler and a serious bathroom emergency—yours.

I had conversations about that with the publisher. What were we going to do with this story about my pooping in my baby’s diaper? I said, let’s open with it. I led with the most humiliating story because I wanted it to be clear that I’m sharing things I’m not comfortable with. If I’m only sharing things I’m comfortable with, I’m not really being authentic. It was hard, but I wanted to be vulnerable. That I kept it in there—I’m proud of that.

 

Your book is not full of tips or advice or resources, it’s really a book of your experiences. Why call it a guide?

I was very deliberate in calling it a guide, but it’s meant almost as a play on words. Most guides are written by experts who give us a plan, and we always want a plan. As an anesthesiologist, women come in and present their birthing plans to me all the time, and then nothing goes the way they expected. That’s how parenting is. Life is about the lessons you learn when nothing goes according to plan. My experiences have been my guide.

 

Who is your parenting hero?

It would have to be my mom. She trained me to look up to her, to respect her, and she also prepared me for therapy [more laughter]. We were raised with a lot of chaos and a lot of love. I’m doing the same thing with my kids. It is my job to try to help them be the best human beings they can be but I’m ready for all of my kids to blame me for therapy.

 

What’s the most important thing you try to impart as a mother?

Your family is your family. You have ups and downs and disagreements but no matter how upset you get, you always have to come back to each other.

 

You have children ages 1 to 18. What do you know now that you wish you’d known 18 years ago?

And this too shall pass. If it’s a good day, it passes. If it’s a bad day, it passes.

 

What do you hope readers take from this book?

I know how important it is to let even one other person in the world know that someone else has gone through what they’re going through and understands. I want that person to know, you’re not in this alone.

The post Black-ish’s Real Life ‘Bow’ Tells Her Story, Her Way 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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Real Housewives of New York City’s Carole Radziwill Defends Her Alleged Lack of Interest in Puerto Rico and Her Egg Order

Real Housewives of New York, CaroleCarole Radziwill is setting the record straight.
After last night’s episode of The Real Housewives of New York City, fans have been left wondering two things about ol’ Cool…

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The Real Housewives of New York City and the Weirdest Breakfast Ever With Carole and Tinsley

Real Housewives of New York, CaroleRemind us to never eat eggs or order cheese with Carole Radziwill.
She joined Tinsley Mortimer for a breakfast date and it was just weird from beginning to end, in a way that’s made…

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

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

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

 

5 Pieces of Money Advice for Young Adults

 

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

 

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

 

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

 

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

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

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

 

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

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

 

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

 

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

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

 

5. Don’t Pass Up Job Benefits

 

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

 

The Bottom Line on Money Advice for Young Adults

 

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

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

 

 

 

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

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Top attractions for real water lovers

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Water is one of those things that you either love or you hate. Thankfully, we love it, and we try to find any excuse to get into the water. Whether it’s going to a water park, having a go at kayaking, white water rafting, tubing through the rainforest in a rubber ring or attempting a water obstacle course – we’ll try anything. But if you’re at a loose end of where to go next, check out these attractions that are perfect for water lovers.

Water tubing along the Rio Azul in Costa Rica

If you’ve ever been tubing in a water park – you’ll know it’s incredibly fun, but this activity takes the idea of tubing to the next level. When you go water tubing along the Rio Azul in Costa Rica, you’re taken through dense rainforest; round the twists and turns of the river, over calm water, and through rapid white water. It is one of the most peaceful, yet also one of the most adrenalin-fuelled water activities you could ever do. The monkeys and birds keep you company and the views are awesome.


Siam Park Waterpark, Tenerife

If you ever find yourself in the Canary Islands, then you have to visit the best waterpark in the world (three years in a row). Siam Park has everything a water lover could possibly want – from lazy rivers to an almost vertical drop through a shark tank, to a giant wave machine. The whole park is decked out in traditional Thai architecture and is chock-a-block filled with every kind of waterslide imaginable. When you need a little break, there’s even a man-made beach for you to chill out on.


White Water Rafting through the Grand Canyon

The Grand Canyon is a sight to behold, and many people choose to see it from the air in a helicopter tour, or above on its glass walkway. But there is another way to see it – up close and personal. White water rafting through the Grand Canyon is for the thrill seekers and the water lovers who love an adrenaline rush. From calm waters to white rapids and waterfalls, we can guarantee that you won’t come off the boat with dry clothing. Which is what every water lover wants.


Disney’s Typhoon Lagoon, Orlando Florida

The Walt Disney World resort is famous for its waterparks, and Disney’s Typhoon Lagoon is one of the most popular among its tourists. The park boasts rides for water lovers of all ages – so is the perfect location if you have little water babies! With kids rides, adult raft rides and it’s 6ft wave Surf Pool; you won’t run out of things to do. There’s even a shark tank for you to snorkel in if you’re feeling really brave.

Aqua Fun Inflatable Water Park, Dubai

If you’ve ever fancied yourself as a Ninja Warrior, then you have to visit the Aqua Fun Inflatable Water Park in Dubai. This inflatable obstacle course is the largest one in the world. Spanning 2,700 square feet, the course boasts slides, ramps, wiggle bridges, climbing walls and more. And the best part is – it doesn’t matter if you fall!

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‘SNL’ asks: What if Kanye West was the real monster in ‘A Quiet Place’?

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A Quiet Place is sensational. For anyone who hasn’t seen it, the whole schtick is there are these monsters with hyper-acute hearing. Make too much noise and you’re dead. Most of the movies plays out in whispers and held breath.

Saturday Night Live used the horror hit to riff on Kanye West’s increasingly problematic adoration of Donald Trump. Even if the whole thing is an elaborate performance art piece, Kanye’s having a real moment (again) thanks to his enthusiasm for a president who is a thinly veiled racist and a proven, irrepressible liar.

The result is this sketch, “A Kanye Place.” It’s perfect. Read more…

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‘The Real’ Host Loni Love Responds to Copycat Claims from ‘The View’

The ladies of the daytime talk show The Real won their first Daytime Emmy Award for Outstanding Entertainment Talk Show Hosts. The show is currently hosted by comedian Loni Love, actress Tamera Howry, singer Adrienne Bailon and TV personality Jeannie Mai. After losing in the category, the hosts of The View discussed other shows modeled after them […]

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Bill Cosby Is Selling Off His Los Angeles Real Estate

 

Bill Cosby

Facing possible imprisonment at age 80, Bill Cosby is getting his affairs in order.

The comedian, found guilty last week of aggravated indecent assault, has been quietly selling off his Los Angeles real estate portfolio, including several top-tier commercial properties in downtown Santa Monica, according to The Hollywood Reporter.

Cosby currently owns two Santa Monica properties along Main Street listed for a combined $ 26
million, according to online property records.

One spot is a two-story, 8,668-square-foot brick building at the corner of Main and Hill that is zoned for retail and office space and now listed at $ 20 million. Its principal tenant is a Starbucks on the ground floor.

Cosby also owns a separate parcel of land up the street at 3016 Main St. That property is a parking lot at the corner of Marine Street and is on the market for $ 5.7 million. The lot is 6,024 square feet and has the potential for a 4,018-square-foot building.

According to THR, Cosby also sold a 9,500-square-foot building at 3008 Main St. for $ 11.8 million in September of 2015, when the sexual assault accusations against him from dozens of women began surfacing, and LAPD was conducting a criminal investigation into the comedian.

All three of the Main Street properties are tied to C.O.C. Real Estate LLC, which lists Cosby’s wife, Camille, as its principal. Cosby has made no comment on the reason for selling his portfolio.

Cosby faces up to 10 years for each of the three felonies he was convicted of. He is free on $ 1 million bail until sentencing, which is expected in the next two months. The judge in the trial confined Cosby to his Pennsylvania home until he is sentenced.

Cosby’s legal team has vowed to appeal the conviction, a process that could take years. At least 10 women have pending civil suits against Cosby accusing him of sexual assault or defamation.

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Magical UK travel destinations for real Harry Potter lovers

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Let’s be honest, who doesn’t love Harry Potter? Being a Muggle is boring. Whether you want to be a witch, wizard, or House Elf (there might be someone out there), there’s nothing like seeing the Harry Potter magic right before your very eyes. Unless you’ve just been given your Hogwarts acceptance letter, it’s not as easy as taking the Floo Network right to Diagon Alley. Nevertheless, there are some places that come pretty close. Check out these five spots in the UK that you need to visit if you’re a Harry Potter lover.

Warner Bros Studio Tour: The Making of Harry Potter

If you’ve always wanted to dine in the Great Hall, take a trip down to Diagon Alley, play Quidditch on a broomstick or have a bumpy ride on the Knight Bus, the Warner Bros Studio Tour has everything a Harry Potter lover could possibly want. The main studio was turned into this tour after filming ended and is now the ultimate museum for Potterheads. It includes everything from the sets, props, a replica of Privet Drive, making of the sets, costumes and so much more. And it’s just a short ride away from the center of London!

The Elephant House

We bet you’re wondering – The Elephant House? There were no Elephants in Harry Potter? You’re right there. Instead, this was the place where it all began. The Elephant House is a small coffee shop and tea room in Edinburgh, Scotland where J.K Rowling first got the inspiration for Harry Potter and the Wider Wizarding World. From looking up at Edinburgh Castle, Rowling brought to life some of our favorite characters, locations, and magical creatures. She wrote most of the outline of the first story on a train between Edinburgh and London, but wrote the majority of The Chamber of Secrets in this little hideaway.

Platform 9 ¾ at King’s Cross Station

You can try running through it, but we’re not sure it will work (if it does, we’ll be incredibly impressed). If you’re traveling into London, you’ll be passing through the major stations anyway, so it makes sense to take a trip to the station that Harry and his fellow Hogwarts schoolmates used to take them to the Hogwarts Express. The station has honored the story in the best way possible, by signposting a pillar in-between platforms 9 and 10 as ‘Platform 9 ¾’ and is complete with a half-concealed trolley and an owl cage.

Bodleian Library at the University of Oxford

If you’re a Harry Potter fan, you’re probably also a bit of a bookworm – so visiting this library is a treat for two reasons. The Bodleian Library was the location of many Harry Potter movie scenes – from the Hospital Wing to the ballroom that was used for the (slightly unfortunate) dancing lessons with Professor McGonagall in preparation for the Yule Ball. As you go further into the library, you’ll also notice huge bookcases, with books chained to the walls. Yep, you guessed it. The Restricted Section.

The Jacobite through West Coast Railways

If you really wanted to feel like you were aboard the Hogwarts Express on the way to Hogwarts, the Jacobite Steam Train is the closest you’ll get to the real thing. The train and the track were used for all the aerial shots of the Hogwarts Express (with the iconic bridge) and one of the carriages – Carriage D – was used as the interior of the train. Although we can’t guarantee the Trolley Witch will come along with some Bertie Botts Every Flavor Beans…

It’s every Harry Potter fan’s dream to ride on the Hogwarts Express, visit the Great Hall and see where J. K. Rowling first imagined their favorite characters in the movies and books – and now we can! We know where we’re going to do our ‘research’ – a.k.a dressing up in a cloak and carrying around a stick, swish-and-flicking while proclaiming Wingardium Leviosa.

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Want to See Real Florida? These Day Trips Are a Fun Break From Disney World


I’m about to say something that might make me a ton of enemies: At a certain point, Walt Disney World just isn’t that magical anymore.

Don’t get me wrong, I’m a born and bred Florida Man who can tell you the difference between the taste of the water in the Pirates of the Caribbean ride at the Magic Kingdom and the Gran Fiesta Tour Starring the Three Caballeros at Epcot. Don’t ask.

But here’s the thing: I live two hours away from Kissimmee, so I’m never subjected to weeklong tours of all the Orlando theme parks have to offer. But according to families that are, things can sort of drag the last few days.

Plus, everything in and around theme parks costs an arm and a (turkey) leg.

If my older brother brings his family from Chicago, I’d spend a day at Disney’s Animal Kingdom. I might even enjoy an overcooked steak at the kitschy Rainforest Cafe. (I say that with love; I’ve been a loyal and enthusiastic customer for decades.) But then I’m out of there.

Now, there are actually lots of fun things to do in the immediate vicinity of the big mouse-eared utility pole flanking Interstate 4.

There’s Cocoa Beach, where I once spent an extremely ill-advised spring break. There’s also Disney- and Universal Studios-adjacent stuff for adults, like Universal CityWalk or Disney’s Boardwalk.

But sometimes, if the kids seem to be able to handle a few hours in the car, it’s time to leave the magical grip of Orlando and hit the road — Florida style.

These 10 Day Trips From Orlando Will Save You From Another Disney Day

First off, when we say Orlando, we mean the region from Kissimmee north 20 miles on Interstate 4. Let’s call it theme-park central.

So, you don’t technically have to have spent the week touring Disney parks to enjoy these (sort of) short road trips.

1. Cedar Key

Cedar Key is on the opposite coast of Florida, an it’s just about as antithetical to Orlando’s theme park strip as possible.

Rolling over the bridges connecting the cluster of islands, you’ll see it’s as Old Florida as you can get. No giant water slides, towering Ferris wheels or massive roller coasters here. Just tens of thousands of birds, acres of winding mangroves and miles of waterways to explore via kayak or paddleboard.

It’s the perfect way to wind down a weeklong vacation of excessive expenditures and nonstop stimulation. Plus, you might even bring home some fresh-caught seafood to teach the kiddos that not everything in life is available at a themed cafeteria.

Drive Time: 2:38

2. Weeki Wachee

A mermaid swims at Weeki Wachee Springs State Park
Whitney Roberts drinks a Coke underwater during the Fish Tails show at Weeki Wachee Springs State Park. Sharon Steinmann/The Penny Hoarder

Ok, so you’ll start to see that I really dig Old Florida destinations. But this one even has real-life mermaids.

Yes, Weeki Wachee, with its population of 13, is certainly magical — and not in the animatronic way. You can swim, and even sort of bunk with majestic manatees in the river named after the town.

And if you need a little taste of theme park action, spend half that day at Buccaneer Bay, which is right in Weeki Wachee Springs State Park.

If you want a tasty snack to bring back home, try scalloping in the river. It might be the most Florida thing you can do.

Drive Time: 2:02

3. St. Augustine

A little bit of real history and a few tall tales are the bedrock of any historic Florida city (at least according to author Craig Pittman and his essential read, Oh, Florida).

St. Augustine, with its very fake Pirate Museum and very real Castillo de San Marcos fort, might be the quintessential example. But, this dichotomy also makes it perfect for a family trip.

Check out the baby albino alligators at the St. Augustine Alligator Farm Zoological Park, where you can zipline above all the critters for a quick thrill. And to recover from said thrill, parents, have a cocktail at the St. Augustine Distillery.

To give the kids a taste of culture after the traipse through Walt Disney World, you have to tour all the historical oddities at the Lightner Museum.

(Just a side note: I might be a little bit biased since St. Augustine, specifically the Lightner, is where I got married.)

Drive Time: 2:18

4. Cassadaga

As you already know, Florida is weird. And if you’re ready to ditch the conformity of Celebration to find out just how weird we can get, you’ll have to hit up Cassadaga.

Known as the psychic capital of the world, this little town is just up I-4 from where you’re probably staying, and promises just as much “magic” as the Kingdom. Channel the unknown with a workshop at the Cassadaga Spiritualist Camp.

Or, find out if the kids will behave in the car ride home with a reading from one of the hundreds of psychics in town. Listen, it’s not your average day trip, but it’s the best way to get your Florida Man or Florida Woman certification.

Drive Time: 1:12

5. Clearwater Beach

Three women bike at Clearwater Beach.
(Left to right) Christane Thomas, Brandy Fralin, and Sherenthea Barber bike at Clearwater Beach. The friends were visiting from Roanoke, Va. Chris Zuppa/The Penny Hoarder

Quite a departure from some of the previous destinations, Clearwater Beach is a booming, sand-soaked barrier island on the Gulf of Mexico.

You’ll hit some traffic, but the beach is as laid-back as any in Florida. In fact, it’s been voted the No.1 beach in the country.

On your way there, you can stop by the Clearwater Marine Aquarium and meet one of Florida’s most famous residents: Winter the Dolphin. But this day trip should probably best be spent soaking up the sun (don’t forget the sunblock!)

Drive Time: 1:54

6. Lake Wales

I came across this little Florida gem while trucking my wife to a horse show in Brooksville. It’s sort of in the middle of nowhere, but Lake Wales — and specifically Bok Tower Gardens — are totally worth a day trip.

The peaceful gardens will be music to your ears after a week in the crowded Orlando parks. Literally. The “singing tower” carillon is the highlight of the Central Florida attraction.

And, of course, to tie in Florida weirdness, you’ll have to roll up to Spook Hill, where an optical illusion involving the road will leave your jaw agape. Well, it’s sort of interesting, anyway.

Drive time: 1:04

7. Siesta Key

Home of another No. 1 beach, Siesta Key is another cheap option for relaxing after a week on the go.

The bleached-white, quartz sand is world-famous. And following a $ 21 million renovation a few years ago, the county park has plenty of food and fun for the family.

For a quieter locale and some awesome snorkeling, visit Point of Rocks or Turtle Beach at the south end of Siesta. And, after baking in the sun for a while, you can sip on a frozen drink at Daiquiri Deck Raw Bar in Siesta Key Village.

Drive Time: 2:15

8. Gainesville

I’m a Florida State University graduate, so it pains me to do this, but Tallahassee is just too far away for a nice day trip from Orlando. So, I have to send you to Gainesville.

Avoid the college area, and head out into some good old Florida wilderness to see Devil’s Millhopper Geological State Park, one of the most unusual geological features you’ll see in our wacky state — a mini rainforest. Plus, it’s where Tom Petty used to go to make out.

If that sounds too risque, take the family to the Butterfly Rainforest at the Florida Museum of Natural History. And if you’re into spookier winged creatures, then visit the University of Florida Bat Houses.

Drive Time: 2:05

9. Merritt Island

It’s borderline criminal to visit Florida without swinging by the heart of the Space Coast. I mean, did you check out that SpaceX launch?!

It’s pretty expensive — between $ 40 and $ 50 a person — to tour Kennedy Space Center, (which is why it’s so far down on this list), but if you’re from out of state, it’s a once-in-a-lifetime chance to take in everything NASA. And maybe you’ll even buy the kids some astronaut ice cream.

And the Merritt Island National Wildlife Refuge should supply you with enough alligator and manatee sightings to give you the Florida Woman or Florida Man certification we talked about earlier. But remember, please no riding the manatees.

Drive Time: 1:19

10. Plant City

If you flew into Tampa on your way to an Orlando theme park, you traveled through Plant City. And you most definitely saw Dinosaur World.

Yep, the giant brontosaurus peeking out over Interstate 4 will lead you to an archaeological theme park that costs a lot less than another day at Disney. Plus, it’s 100% Florida Weird-certified.

If you happen to be here in March, bring your sweet tooth to the Florida Strawberry Festival, a fair-like celebration of the year’s harvest — you might even get to meet the Florida Strawberry Festival queen. If not, antique shopping in downtown Plant City might yield cobwebbed treasures (I know, I know, the kids might get antsy. But they just had the time of their lives at Disney.)

Drive Time: 0:59

So when you’re over the magic of Disney, remember, there are tons of cool, weird and wild places that will give your family a real taste of Florida.

Alex Mahadevan is a data journalist at The Penny Hoarder. He’s trying to visit as many weird Florida places as possible this year.

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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$39 device adds a real head-up display (HUD) to any car without using your phone

HUD For Any Car

Plastic mounts that turn your smartphone into a makeshift head-up display (HUD) are very neat, but not everyone wants their iPhone or Android handset tied up when they drive. Also, the resulting display isn’t on your windshield like a real HUD. If you want the real deal without spending $ 50,000 on a luxury car with a built-in HUD, you’ve got to check out the Yonda Head Up Display on Amazon. It’s easy to install and it works great, plus it doesn’t require you to stick one of those ugly pieces of reflective film to your windshield in order to be visible.

Here’s what you need to know from the product page:

  • 【ENJOY DRIVING】We only do good HUD,Simple display,without all of the unnecessary info that would create distractions, make your driving more comfortable
  • 【DON’T NEED REFLECTION FILM】3″ screen HD display – nano-technology to eliminate double reflections,more clear and easier to read. Automatic and manual brightness adjustment mode,driving without glare.
  • 【EASY TO INSTALL】Available for 95% car with an OBD2/ EUOBD interface (NOT Compatible with Blade Electric Vehicle), easy to install, plug and play.
  • 【MULTIPLE DISPLAY FUNCTIONS】Vehicle Speed KM/h 、MPH,Engine Speed,Water temperature, Voltage. Four alarm functions – Overspeed alarm, High temperature alarm, Low voltage alarm,Fatigue driving warning (Please read the user manual)
  • 【PROTECTION OF VEHICLES】Normal Auto power on and off with vehicle started and shutdown, effective protection of the car battery

Car HUD Head Up Display 3inch Windshield Projector OBD II/EUOBD Interface Plug & Play Speedomet…: $ 38.99

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$ 39 device adds a real head-up display (HUD) to any car without using your phone originally appeared on BGR.com on Fri, 13 Apr 2018 at 21:01:45 EDT. Please see our terms for use of feeds.


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The Thirst for Vinny Guadagnino Was Very Real on Twitter During Jersey Shore Family Vacation Premiere

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This Time It’s Real: Tyrese And His Wife Expecting A Baby Girl

If you remember, during his full-fledged breakdown last year, Tyrese ranted about his wife being pregnant. Turns out, it wasn’t true. But now, Tyrese and his wife, Samantha Gibson, are expecting after a year of marriage. The couple told their story to People.com.

People.com reports:

“Both of our love and energy and magic and families are bonded forever because we’re going to have this child,” Gibson, 39, raved in a joint interview with his spouse. “It’s unbelievable.”

Instagram Photo

Samantha, a 29-year-old social worker, learned she was pregnant with their daughter in late January, not long after they began trying to conceive. Minutes after her positive first test — and before she could even plan out a surprise for her husband — Gibson arrived home, and they celebrated together.

“It was me screaming and just being overly excited and just fired up about the news,” he says.

Friends and family were equally enthusiastic. Samantha and Gibson spread the news with help from a faux movie trailer, which Tyrese narrated, that transitioned partway through into footage from Samantha’s ultrasound.

“There was no greater reaction than her mom’s reaction,” Gibson says of his wife. “Samantha is her only daughter, and this has been prayers for years and years, for her to get married and find the right one and start a family.”

 

Instagram Photo

Now in her second trimester, with their baby due in September, Samantha says she’s been in “full practicing mode” with 10-year-old stepdaughter Shayla, “[whom] I consider mine.”

And the spouses don’t expect any sibling rivalry. According to Samantha, Shayla’s “been asking for siblings since I’ve known her.”

Though Samantha plans to give birth in Los Angeles, where they also have a home, they will raise their new daughter primarily in Georgia, in the same house where they wed last February.

“We were able to conceive at the right time, I believe,” Samantha says. “There was a lot that happened last year — everyone is aware of that — and so to have the opportunity to … really start a new chapter in the way that has happened, I just look to God and I’m like, ‘Wow, I can’t believe that you would plan it this way and you do it so perfectly.’

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Adam Rippon Gets Real About His Dating Life & Reveals Why He’s Single | 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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Real Housewives of Atlanta’s Season 10 Reunion Trailer Is Here and NeNe Leakes and Kim Zolciak Are Going to War

The Real Housewives of Atlanta ReunionGet ready for a war because when the three-part Real Housewives of Atlanta reunion special kicks off on April 8, it’s everyone to their battle stations when NeNe Leakes and Kim…

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The real reason behind Sessions’ special counsel decision

Newspaper and television headlines are blunt instruments that leave little room for nuance. Throw in the ­anti-Trump bias and it’s no surprise that nearly all media followed the same simplistic thinking to describe Attorney General Jeff Sessions’ decision on whether to appoint a second special counsel. His answer was “no,” the chorus declared, case closed….
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Forget other ‘Star Wars’ Bluetooth speakers: These iHome ones are the real deal

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Star Wars fans are the luckiest fans in the world. I mean, that merchandise selection is seriously infinite. While we have seen numerous Star Wars-themed Bluetooth speakers already, it’s time that you forget those — because there’s a shiny, new line of merch in the galaxy.

Say goopa (that’s hello in Ewok) to the Star Wars Bluetooth Speakers by iHome

Remember how Darth Vader’s ship, the TIE Advanced x1, was the better and faster version of regular TIE fighters? Well, think of these iHome speakers as the TIE Advanced x1 of Bluetooth speakers.  Read more…

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The real reasons Congress can’t act on guns or immigration

Democratic Sen. Dick Durbin has spent the last six months attempting to do the impossible: find a solution inside the US Capitol to an immigration quagmire.


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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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Watch the Moment Kenya Moore’s Husband Marc Daly Makes His First Real Housewives of Atlanta Appearance

Kenya Moore, Real Housewives of Atlanta Season 10He’s been quite the topic of conversation this season of The Real Housewives of Atlanta, but we’ve yet to meet (or even see) Kenya Moore’s new husband, Marc Daly on the show. Until…

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The Real Housewives of New York City Sneak Peek: Luann Channels Marilyn Monroe for Bethenny’s Birthday

Luann de LessepsMove over, Marilyn Monroe! Luann de Lesseps is here.
In E! News’ exclusive sneak peek of The Real Housewives of New York City season 10 (below), Luann serenades Bethenny Frankel with…

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The tech talent gap is real. Increased diversity is the solution.

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This column is part of a series called “Voices of Women in Tech,” created in collaboration with AnitaB.org, a global enterprise that supports women in technical fields, as well as the organizations that employ them and the academic institutions training the next generation.

As a chief human resources officer in the tech industry, I know firsthand that the talent gap is real. In the cybersecurity segment alone, experts predict some 2 million roles will go unfilled by 2019. And in an ultracompetitive, fast-moving industry — where finding and securing top talent can feel akin to spotting a snow leopard in New York City — addressing diversity in the recruiting mix can be a real challenge for many hiring managers. Read more…

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LED lightbulbs that replace Wi-Fi networks are being tested in the real world

Li-Fi bulbs real world

Li-Fi is a curious technology that’s been on the cusp of real-world applications for years. The idea is to use visible and infrared light instead of radio signals to create a wireless internet network, creating a (theoretically) more stable alternative to crowded Wi-Fi channels.

The technology has been in the concept stage for years, but Philips has announced that it’s conducting a real-world test in the office of a French architecture firm in Paris to see how it performs in the real world.

Continue reading…

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LED lightbulbs that replace Wi-Fi networks are being tested in the real world originally appeared on BGR.com on Tue, 20 Mar 2018 at 23:34:18 EDT. Please see our terms for use of feeds.


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Why This 98-Year-Old Nun Is Already the Real MVP of March Madness

The biggest college basketball fan during this year’s March Madness tournament is a 98-year-old nun by the name of Sister Jean Dolores Schmidt, Loyola-Chicago’s team chaplain.

Sister Jean Dolores, who was on hand to celebrate Loyola-Chicago’s buzzer beater victory over Miami, has been the basketball team’s chaplain since 1994, but has been a Ramblers fan for most of her life, witnessing the last time Loyola-Chicago won a tournament game, years ago.

While the nun provides spiritual support and openly prays for victories for the team often asking the Higher Power to do his part so the team can do theirs, she’s also a bonafide basketball expert. In fact, she created a full scouting report (complete with full run-downs of the strengths and weaknesses of each player) that she presented to Coach Porter Moser on his first day in his position.

According to the New York Times, she also sends individual emails to not only Moser, but his entire coaching staff and all of the players after every game.

The sister has become somewhat of a beloved figure for Loyola-Chicago basketball fans; she had her own bobble head night in 2011 and she can often be spotted at games in her own custom pair of maroon and gold Nike kicks that have been customized with the words “Sister” on one foot and “Jean” on the other.

See Sister Jean Dolores’ joy at Loyola-Chicago’s win below.

Sports – TIME

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New prosthetic hand moves and ‘feels’ like the real thing

Prosthetics have come a long way over the past half-century or so. Gone are the days where “dumb” artificial limbs are the only option and today new breakthroughs have resulted in incredibly lifelike prosthetics that can allow the wearer to control it with their mind. However, there are still a few ways in which even…
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Here’s *the* real dress that Donatella Versace wore during the latest episode of “American Crime Story”

Here’s *the* real dress that Donatella Versace wore during the latest episode of “American Crime Story”


Here’s *the* real dress that Donatella Versace wore during the latest episode of “American Crime Story”

If you’ve been secretly missing Penelope Cruz’s portrayal of Donatella Versace for the last few episodes of American Crime Story, here’s some good news for you: The latest episode of the series, “Ascent,” featured a whole lot of Cruz and her bleach blonde hair as the legendary designer. We’re now even further back in time, back when Gianni Versace was still very much alive, and the year is 1993.

The place? New York City. And as for the event? We’re at Vogue Magazine’s 100th anniversary party — an event that truly cemented Donatella as a face (and, behind-the-scenes, a voice) of the fashion house.

“Ascent” opens with a blow out fight between Donatella and her brother, because he is less than impressed with the designs that she is turning in. According to Gianni, they are not up to the regular caliber that their fashion house is used to putting out, so he strikes a deal with his sister — why don’t they design a dress together?

Donatella is eager to help her brother out, and he drapes fabric (and belts) all over her, creating a pretty iconic dress. Then, Gianni suggests that *she* be the one to wear it out, instead of it going to a model. At first, Donatella balks at the idea, but eventually she comes around. As we see in the episode, the second Donatella takes off her coat and the photographers on the red carpet see her, they are truly captivated. All it takes is her wearing one stunning dress to make a name for herself in the world of fashion.

What might be even more impressive is the fact that American Crime Story seems to have recreated the real dress Donatella wore, right down to the belt buckle. Here’s the real Donatella and Gianni back in 1993:

Ron Galella/WireImage/Getty Images
Ron Galella/WireImage/Getty Images

While the one in the show is by no means identical to the actual thing, it is pretty damn close. Real question, did Penelope Cruz get to keep it after ACS wrapped, or…?

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‘Real estate is a way out of the ‘hood’: A-Rod and J-Lo are teaching kids about realty and investing

"Real estate is a way out of the 'hood," said Alex Rodriguez, who is backing a Bronx project designed to help kids learn about real estate and investment.
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Draw real 3D objects in mid-air with this discounted 3D printing pen

3D Printer Pen

Once upon a time, people actually did creative things with their hands. We’re not talking about typing on a keyboard, pushing a mouse around a desk, or tapping and swiping on a touchscreen. They actually built things and created things in the real world instead of on a computer screen. If you’re a creative person who wants something reminiscent of the past but that’s still modern and fun, you’ve got to check out the 3Doodler Create 3D Pen. This awesome gadget lets you draw actual physical objects in 3D in mid-air, since it’s basically a handheld 3D printer. What will you make!?

Here are some bullet points from the product page:

  • WORLD’S FIRST AND NO. 1 BEST SELLING 3D PEN: 3Doodler Create is the newest model from the maker of the world’s first 3D printing pen. The slimmest, lightest, strongest 3Doodler yet. Enhanced design, easy to manage, and improved drive system for quieter and smoother operation, and endless creation. Latest features also include simplified and intuitive controls, and a new ambient light bar.
  • DOODLE IN 3D: Draw vertically. Draw horizontally. Lift your imagination off the page! The 3Doodler Create extrudes heated plastic, which instantly hardens, allowing you to literally draw in 3D, freehand or on paper. Change colors quickly and easily. The possibilities are endless.
  • 3D ART MADE EASY FOR ALL ADULTS: From hobbyists to crafters, artists and professionals, 3D creation has never been easier. It’s the perfect gift for all men and women. Precision crafting and art is easier than ever with the ultimate 3D craft pen.
  • MOST VERSATILE 3D PEN: 3Doodler offers the widest range of plastics, no mess, safe and non-toxic. It’s the only 3D Art tool with changeable nozzles and unique accessories. Plus, you’ll find hundreds of FREE 3Doodler stencils available online for family friendly inspiration. Draw in 3D for hours!
  • NO RISK PURCHASE, COMPLETE 3D SET: 360 days FREE replacement policy and unrivaled 24-hour global customer service. THE BOX INCLUDES: 3Doodler Create 3D Pen, 50 FREE Plastic Strands in a selection of multiple colors and materials, Power Adapter, Quick Start Guide, Tools & a ton of creative potential!

3Doodler Create 3D Pen With 50 Plastic Strands, No Mess, Non-Toxic – Smoky Blue: $ 50.40

The pen comes with 50 stands of filament, but don’t forget to order extra below you might go through it pretty quickly at first.

3Doodler Create ABS Plastic Bundle Set (Black, Blue, Green, Red, Yellow): $ 29.99

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Draw real 3D objects in mid-air with this discounted 3D printing pen originally appeared on BGR.com on Fri, 2 Mar 2018 at 23:34:59 EDT. Please see our terms for use of feeds.


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Will the Real ‘Gotham’ Joker Please Stand Up?

Since Season 1, Gotham has been setting up Jerome Valeska to become the Joker. He has displayed all the hallmarks of the character — from his laugh and manic persona to the ‘Hahaha’ graffiti that accompanies him. He’s been killed off, reanimated and had his face detached, leaving him with a grotesque, stretched and stitched visage, alongside a signature crimson slash of a grin associated with the most famous of Batman villains.

But has it all been a red herring? According to David Mazouz, who plays Bruce Wayne in the show, it is. He told ComicBook.com that “Jerome is not the Joker”.

However, he did apparently confirm that we will see the “true” Joker this season, and went on to talk about the matter in a very enigmatic way. He called the upcoming Joker reveal one of the show’s “biggest shocks”.

“We’ve been asking ourselves this question, ‘Is Jerome the Joker?’” said Mazouz. “He obviously is acting a lot like the Joker. Is he the Joker? This is a perfect way to answer that, because we don’t want to say yes, but we don’t want to say no. We don’t want to say no because Jerome is so much like the Joker, so what they end up doing is kind of a great balanced way to answer that question and to have Jerome maybe involved in the creation of the Joker but have him not be the Joker.”

He finished up by saying: “[Jerome] is not the man that will have green hair and a pale face. He’s not that man.”

Yes, But Is Jerome The Joker?


Gotham
Other characters have appeared as ‘false’ Jokers, like Lori Petty’s Jeri.

Back in October, Bryan Wynbrandt, executive producer on the show, told ScreenRant: “Obviously, Jerome is our homage, He’s obviously not the Joker himself, although [he] clearly seems to be the impetus that eventually creates the Joker. The more that we see him, the more he carves out his own path I’d say. I wouldn’t say he becomes more the Joker, but the Jerome character continues to evolve.”

This seems to tally with what David Mazouz said, but doesn’t make things any clearer for fans of the show.

If Jerome doesn’t directly become the Joker, and yet has a part to play in his creation, it could mean that others will also have a role. The team behind the show have made a point of introducing a bunch of Joker-esque types throughout the series, so one or several of these could also have a bearing on the Joker’s real identity.

Mark Hamill Wades In

Actor Mark Hamill, voice of the animated Joker, has thrown the whole issue into further confusion, however, with a tweet he sent to Jerome actor Cameron Monaghan.

Some fans have taken this as confirmation that Jerome will, in actual fact, become the Joker — on the basis that if Mark Hamill says it’s so, then it is so. However, others are debating how much Hamill would actually know.

One thing is clear, Gotham fans love Jerome and the notion of him as the Joker. The reveal is due to take place at some point during the second half of Season 4. And the Gotham team is going to have to pull something truly special out of the bag if Valeska doesn’t become Batman’s most famous adversary.

Gotham Season 4 is currently airing in the US. Viewers in the UK are still awaiting news of the Season 4 premiere date.

The post Will the Real ‘Gotham’ Joker Please Stand Up? appeared first on FANDOM.

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The Blue Wave Is Real, and It Looks Really Big—Provided Democrats Don’t Block It

Photo Illustration by The Daily Beast

Two more districts flipped. In New Hampshire, Democrat Philip Spagnuolo won a county legislative seat by 8 percentage points in a district Donald Trump had carried by 13 points. In Connecticut, Democrat Phil Young won a state legislative seat that Hillary Clinton narrowly carried but that had been held by a Republican for the last 44 years. They make the 38th and 39th districts since Donald Trump’s election that have gone from Republican to Democrat.

So: How confident should Democrats be about all this? I’d say pretty confident, for a bunch of reasons. But let’s stick to five:

1. The generic polling has the Democrats pretty comfortably ahead. It’s been bouncing around—while Democrats have always has the lead, it narrowed in January and February but seems to be opening back up a little now. A CNN poll released Monday had it at 54-38. I should say, though, that the fivethirtyeight average as of Wednesday morning is lower, at 47-39.

Read more at The Daily Beast.

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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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