‘Empire’ star and singer Serayah dropped by ‘TRL’ with host Sway Calloway for the premiere of her “So Good” music video.
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‘Empire’ star and singer Serayah dropped by ‘TRL’ with host Sway Calloway for the premiere of her “So Good” music video.
TICKET DISCOUNT UPDATE:
Our forum members practically begged Isabel Marant to switch up her casting last season after Anna Ewers appeared in her third consecutive campaign for the quintessential French fashion label. Marant must have heard our cries, adding model Vittoria Ceretti to star alongside Ewers for the Fall 2018 campaign (praise the fashion gods above). Welcoming back photographer Juergen Teller, the blonde and brunette twosome were photographed on location at the conceptual Centre Georges Pompidou in Paris and styled by French Vogue‘s Geraldine Saglio.
Did the change in casting manage to impress our forum members, though? “Very simple and cool. It doesn’t look too Photoshopped. The models are cool, I like Anna and they look natural. I approve of this campaign,” shared Perickles upon checking out the images.
“It’s really nothing special but I appreciate the simplicity and it will look nice in magazines,” Valentine27 added.
“I like it just because it’s so Isabel Marant that it hurts! The girls and even the choice of location are totally Isabel Marant! This is exactly the type of place where you can imagine seeing an IM woman,” pointed out Lola701.
[ Not a tFS forum member yet? Click here to join! ]
Not everyone was so forthcoming. “Great shots, boring cast,” snapped forum member anlabe32.
“The only shot I like is Vittoria’s. The rest are very dull,” disapproved bluebanter.
“For me, it’s the opposite, the only one I like is the second shot of Anna but I second you its pretty dull,” replied badgalcrush.
Zacatecas570 wasn’t exactly thrilled either. “I’ve never been the biggest Juergen Teller fan,” he said.
“Can’t stand Juergen’s photos anymore,” echoed thatsfierce.
Maybe a change of photographer is required for next season? See more of Isabel Marant’s latest campaign and join the conversation here.
The post Isabel Marant’s Fall 2018 Campaign Is ‘So Isabel Marant It Hurts’ appeared first on theFashionSpot.
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Do you know your credit score?
Better question: Are you sick of hearing us tell you over and over how important it is to check your credit report and know your credit score?
It may seem like we’re beating a dead horse, but the truth is, you can’t ball on a 450 credit score, and we’re committed to putting more money in your pocket so that you can be the baller you’re meant to be.
A survey released by the Consumer Federation of America and VantageScore suggests the advice is working. The percentage of respondents who said they’ve obtained their credit scores in the past year rose from 49% in 2014 to 57% in 2018.
Credit expert Farnoosh Torabi, who hosts the “So Money” podcast, says she isn’t surprised.
“There’s been momentum building ever since the recession,” she told The Penny Hoarder.
News coverage of rising interest rates impacts lending, which trickles down into people’s credit lives and wallets.
Another aspect fueling the rise is easy access to credit scores.
“I’ve been covering personal finance for all of my career, and back in the late ’90s and early 2000s, there was no go-to place to get your credit score as a consumer,” Torabi said. “But now, there are more ways to access it.”
Knowing your credit score is nice and all, but it means very little if you don’t do anything about it.
But you all are doing something about it.
The number of people who’ve checked their credit score has increased, and so has the number of people taking steps to increase their scores, according to year-over-year findings from Chase Slate’s 2017 credit outlook survey.
These steps include paying off debt, keeping credit usage low and making an effort to pay down credit statements in full.
We can all agree it’s easier to take the initial steps to improve your finances when you know what’s going on and exactly what you need to do.
The Consumer Federation study showed large majorities could correctly identify three key factors used to calculate credit scores:
But significant minorities incorrectly thought that age (41%) and marital status (38%) are used in this calculation.
“Some people think the older they are, the better their credit score will be,” Torabi said. “I think they confuse that with the length of their credit history.”
A lot of people also incorrectly believed tax liens (64%), medical collection accounts less than 6 months old (62%) and civil judgments (63%) are used to compute credit scores.
Most people knew steps to take to improve your credit score, but little more than half (56%) knew all of them.
“Largely we think of credit scores and their ties to qualifying for homes, loans and credit cards, but there’s other stuff, too,” Torabi said. “I think if [people] knew the extent to which [their] credit score actually makes an impact, it would make people more interested to see what their credit score is, and learn how to improve it.”
When you sign up for cable plans or insurance, providers will often do a credit check to make sure you’re paying your other bills on time. And if you’re renting, landlords and property managers will also run a credit check and review your credit score.
But the biggest reason to know your score has nothing to do with what you want to do in the future. It’s all about what you’ve done — or rather, haven’t done — in the past.
Credit reporting mistakes and identity theft are common occurrences, and they’re not going away anytime soon.
So even if you’re not planning on buying a house, financing a car, or opening a credit card in the near future, it’s still super important to know your credit score and monitor your credit report.
At The Penny Hoarder, we publish no shortage of articles telling you why you should check your credit score, how to improve your credit score and how amazing life has gotten since so-and-so raised their credit score.
Maintaining healthy credit is just like maintaining a healthy body.
“If you’re trying to stay healthy in your physical life, you should get on that scale and face that number, as hard as it can be,” Torabi said. “Numbers don’t lie. [Your credit score] will give you the honest truth, and from there, you can improve.”
Jen Smith is a staff writer at The Penny Hoarder. She gives money saving and debt payoff tips on Instagram at @savingwithspunk.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
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SPECIAL NEWS BULLETIN:
http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News
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Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!
NASCAR on FOX’s Mike Joy, Darrell Waltrip and Jeff Gordon discuss Daniel Suárez’s great third-place finish at Dover.
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Our Instagram followers are stylish people, so once a week, we like to bring you some highlights from our feed. Some great sunny casual looks today. Zoltan takes his field jacket for a smoke, Benton strolls down by the bay, Alex mixes casual and tailoring with a denim jacket and trousers mix, and Clive keeps it tough in some simple but strong workwear.
Our Instagram followers are stylish people, so once a week, we like to bring you some highlights from our feed. Jerrod steps out in a great winter/spring transitional look while Jeffrey goes hard into summer with some shorts, Michail dons what is probably our first featured velvet robe on this blog, and Armando keeps it classic in the unimpeachable blue jacket/grey trousers/brown shoes look.
Our Instagram followers are stylish people, so once a week, we like to bring you some highlights from our feed. Whether it’s spring breaking through or Easter festivities this week brought out some colorful tailoring. Check out the strong jackets from Miyahara, Carlo, and Buzz.
Our Instagram followers are stylish people, so once a week, we like to bring you some highlights from our feed. Thomas takes to the streets in one hell of a polo coat, Harry shows a nice muted look for muted weather, and Anthony takes a sockless snack.
posted in Life
I remember precisely when it happened: Ten weeks into being a mother.
My new moms support group met once a week every week, and we had been meeting this way since our children were born.
We all had boys, and all those boys were generally the same length (taller than a bowling pin), the same shape (a squishy eggplant), and the same weight (an adult Maltese). They also had the same needs and displayed the same cues.
But ten weeks along, my group had gathered again, and I realized our boys were changing.
We were still doing the same things, raising these boys in similar ways. But the boys were changing despite our efforts.
I remember thinking it wasn’t fair as I compared my son with the other little guys. (Like, “We’re all doing the same stuff! How come mine isn’t sleeping in five-hour intervals?”) Some of the boys grew taller than the others, some got stockier. Mine developed a big head before the rest of his body caught up with it.
As my group continued — we still meet now, three years later — our boys hit milestones at different times. They have varied strengths and weaknesses, and they go through phases. Their personalities are so different.
It’s almost like it didn’t have anything to do with us as mothers at all.
I felt slightly vindicated and more than a little relieved to read this article from Slate, “Parenting doesn’t matter.”
“Twenty years ago, a panic over parenting swept across the media when developmental psychologist Judith Rich Harris put out a book, The Nurture Assumption, that claimed the links between parents’ actions and the outcomes of their kids were based on flimsy science,” writes the article’s author, Daniel Engber. “… for Harris, the evidence seemed pretty clear: Parents changed; their kids did not.”
Saint Louis University behavioral geneticist Brian Boutwell recently affirmed these findings and said there’s little reason to believe our parenting affects our kids’ intelligence, personality, or mental health.
“We aren’t really ‘puppet masters’ of our kids’ development, (Boutwell) argued, but rather something more important—their guardians and friends,” Engber writes.
This, of course, exists with many caveats. For instance, it assumes that the child’s basic needs are being met and that the household is not abusive.
(Or that you haven’t placed your baby in a basket and left her outdoors for the woodland creatures to claim.)
“Boutwell does concede — as do all adherents to this theory — that parents can be cruel or kind, and that there are obviously many ways to screw up a little person’s life,” Engber says. “If a child ends up inside a Romanian orphanage, for example, studies say that will change her for the worse. So might any approach to ‘parenting’ that could be classified as physical, sexual, or emotional abuse.”
Privilege and environmental factors also play a role, of course. A child’s development will definitely be affected by pollution, tainted drinking water, or being part of a marginalized community that faces any number of stressors.
What the research does show is that deviation between ordinary family environments will not impact your child’s development. So good news: your parenting style doesn’t matter. (Bad news: all the anxiety, stress, and mom guilt were for nothing.)
So go ahead. Wear a purple carrier if you want.
Whether you choose to nurse or give your baby formula, whether you are a proponent of extended breastfeeding or stop after 6 months, whether you potty train by 2 or by 3, whether you babywear, co-sleep, no-sleep, bed-on-the-floor sleep, what have you — you’re not going to screw up your child.
You’re simply guiding your child into who they were meant to be anyway.
Do you believe that parenting styles don’t matter?
BABY CARE UPDATE:
Our Instagram followers are stylish people, so once a week, we like to bring you some highlights from our feed. Matt handles the umpteenth snowfall of the season with a burly peacoat while Szymon takes the rain in stride, Shawn spruces up a classic look with patterned trousers, Quentin can’t not take a photo in the Crockett & Jones store, and @therevdmr makes the occasion for a lovely bespoke suit.
Our Instagram followers are stylish people, so once a week, we like to bring you some highlights from our feed. Max gets the last use of his heavyweight fabrics before spring, Thomas takes Rome in a classic banker style, Andy shows off the rare and amazing tan three piece suit, and Edwin looks pretty good considering he’s a walking junk drawer.
For those of you who don’t know your Cosby Show history, Lisa Bonet, who played Denise Huxtable, had a contentious relationship with Bill Cosby in real life. Cosby was also allegedly upset Bonet became pregnant by Lenny Kravitz and did a nude scene in the 1987 movie Angel Heart. She was reportedly fired from the sitcom in April of 1991, due to “creative differences.” Bonet has never appeared at any of the multiple Cosby Show reunions and she has barely spoken about her former boss — until now.
In an interview with Net-a-Porter, Bonet didn’t hold back when discussing the 80-year-old who has been accused of sexual misconduct by countless women. When asked if the Cosby allegations “tainted” her memories of The Cosby Show, she said, “No, it’s exactly as I remember it.” She also made it clear she was not aware of him being an alleged sexual predator, but she did sense a “sinister, shadow energy.”
“There was no knowledge on my part about his specific actions, but… There was just energy. And that type of sinister, shadow energy cannot be concealed.” You sensed a darkness? “Always. And if I had anything more to reveal then it would have happened a long time ago. That’s my nature. The truth will set you free.”
She also added, “I don’t need to say, ‘I told you so.’ I just leave all that to karma and justice and what will be.”
Well, damn. You can’t be any clearer than that. We will see if Cosby or anyone else from the sitcom responds. However, Bonet clearly has nothing to lose by saying exactly what is on her mind.
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Our Instagram followers are stylish people, so once a week, we like to bring you some highlights from our feed. Sosa leads off with a class in how to do sport coats and denim, Max has a nice casual cocktail attire look, Ian goes rugged ivy for a cold snap, and Thomas and David each do the blue jacket/grey trouser combo for very different weather, showing just how versatile the classics can be.
Our Instagram followers are stylish people, so once a week, we like to bring you some highlights from our feed. Peter looks incredible in his new Eidos Grizzly jacket, Jesse makes the tried and true blue jacket, grey trousers combo all his own, Jeffrey is probably the best dressed lab researcher out there, Armando enjoys New Suit Day, and we can’t help but give a round of applause to PTOman fav Gerry for his new cat-themed shirt.
Our Instagram followers are stylish people, so once a week, we like to bring you some highlights from our feed. Atte and Edwin looked great on their Valentine’s Day dates, Andy pairs a soft shouldered sport coat with some penny loafers, Tim strums his guitar in a classic American ensemble, Jordan shows how to do a jacket-less look right, and Kenneth wears a cozy Southwestern-styled cardigan (along with a ring from our shop),
Our Instagram followers are stylish people, so once a week, we like to bring you some highlights from our feed. Andrew leads off with some #squadgoals, Max tosses on a light winter look while Jesse goes heavy in a brilliant coat, Colin keeps his basic strong and adds a couple nice details, and Anthony hits the mountains in the all the best countryside wear.
Our Instagram followers are stylish people, so once a week, we like to bring you some highlights from our feed. Alex pairs a casual jacket with shaggy hair, Jared and his cat both wear some fur for the cold, Sosa is all business in pinstripes, Conor backs up the bow tie by actually professing things, and Jeffrey dons an indestructible-looking denim jacket.
Our Instagram followers are stylish people, so once a week, we like to bring you some highlights from our feed. Jake and his lovely bride look incredible at their wedding (congrats!), Jesse wears a double breasted coat, Niko pairs a turtleneck with a suit, Joe rocks an Engineered Garments floral print bomber, and Cody keeps things simply a well-cut soft shouldered sport coat.
“It’s not a day off. It’s a day on.” Every year on Martin Luther King Jr. Day, I think of those words that my elementary school teachers used to say before we packed up our backpacks for the three-day weekend. They urged us to remember Martin Luther King Jr.’s historic contributions to the Civil Rights Movement, honor his legacy by giving back, and reflect on his life as a leader.
Years later, that sentiment still rings true. In fact, it’s a call to action that’s more important than ever. Sure, we can take a day off from work or school. But with everything going on in the world right now, there’s no rest from fighting the good fight for justice and equality. So, how can you do that today, this week, and every day? We often turn to books to reflect, educate ourselves, and help us make sense of the world.
Fittingly, the books coming out this week are full of reflection on important topics like race, tolerance, women’s rights, and mental health, to name a few. Here are 14 books coming out this week that you don’t want to miss!
In a world where abortion is illegal, in-vitro fertilization is banned, and every embryo has the right to life, liberty, and property, what exactly is a woman for? That’s the question that Red Clocks, a feminist dystopian novel, asks. It tells the stories of five women in a distant future that, the more you read, might not feel as far off as you think.
Ijeoma Oluo’s book of essays answers the questions about race that many don’t dare ask. Each chapter tackles a different one, with chapter titles including “What is cultural appropriation?” and “I just got called racist, what do I do now?” So You Want to Talk About Race offers a straightforward, accessible, and empowering discussion about race. Everybody needs to read this book.
What do you do when you want to help somebody, but it’s never enough? Mira T. Lee’s novel about two sisters takes a unique approach to talking about and portraying mental illness. Everything Here is Beautiful explores what it’s like to love someone who is mentally ill and struggling to find a diagnosis. It’s a truly stunning and emotional debut. More books about mental health, please.
We never tire of reading psychological thrillers, and C.J. Cooke’s I Know My Name is next on our list. It’s about a woman who wakes up shipwrecked on an island in Greece without a clue as to how she got there. The only thing she remembers? Her name. It’s a layered story that you won’t soon forget.
This is one of the most important books coming out this week, this month, this year, this decade, and this century. Patrisse Khan-Cullors is one of the co-founders of the Black Lives Matter movement. And When They Call You a Terrorist: A Black Lives Matter Memoir tells the story of her life and experiences, both leading up to and after, the movement.
Denis Johnson passed away in May of 2017. His final collection of short stories, The Largesse of the Sea Maiden: Stories, will be published posthumously. Many of the characters in his five stories are dangerously close to death themselves. “It’s plain to you that at the time I write this, I’m not dead,” Johnson wrote at the end of “Triumph.” “But maybe by the time you read it.” Chills.
Raise your hand if you took to the streets for the Women’s March in January of last year. Now, raise your hand if you did so wearing a pink pussyhat. Well, you have Krista Suh to thank for that. The creator of the Pussyhat Project’s book, DIY Rules for a WTF World: How to Speak Up, Get Creative, and Change the World will inspire you to affect change from the ground up. It’s the perfect way to commemorate the one-year anniversary of the Women’s March and renew your commitment to the fight for women’s rights in 2018.
Samira Ahmed’s debut, Love, Hate & Other Filters, balances a sweet YA romance with heavier topics like racism. It tells the story of Maya, an Indian-American Muslim teenager torn between the life she wants and the life her traditional parents want for her. Maya faces Islamophobia, hate crimes, and fear — all while just trying to figure out where she fits in the world. It’s an extremely captivating and timely debut.
What is the meaning of life? What happens when you die? Is God real? These are the kinds of questions that Anjali Kumar set out to answer after her daughter was born. In Stalking God: My Unorthodox Search for Something to Believe In, she tries everything from meditation to speaking with a medium. It’s a moving account of her quest to find enlightenment in one form or another.
These days, it seems like every single one of your Facebook friends is engaged, married, or starting a family. If you’re still single, sometimes it can feel isolating or disappointing that you haven’t found “the one” yet. If you identify with that, pick up How to Be Single and Happy: Science-Based Strategies for Keeping Your Sanity While Looking for a Soul Mate. Make no mistake: Jennifer L. Taitz’s book is not a pity party for single girls. It’s an empowering guide to taking control of your single status while you look (or don’t look!) for a partner.
In 1901, at age 16, Evelyn Nesbit was raped by Stanford White. She was a chorus girl and he was a famous architect. Years later, she confided in Harry Thaw, the man she would one day marry. To get revenge, Thaw publicly shot White at Madison Square Garden. The Girl on the Velvet Swing: Sex, Murder, and Madness at the Dawn of the Twentieth Century tells the true story of the murder case and the struggles that Nesbit and Thaw faced in the years after.
Speaking of true crime, don’t miss Truly Devious. Yep, there’s not one but books coming out this week with a true crime theme. It’s the first book in a new YA series about Stevie Bell, a young detective and true crime lover. When she starts at Ellingham Academy, a prestigious boarding school in New England, she makes it her mission to solve the old case of the founder’s missing wife and daughter. As Stevie digs in, twists and turns abound. We won’t spoil anything, but we will say that a huge cliffhanger sets the stage for the next book in the series.
2018 is your year. (You got this!) But any time you need a little inspiration or reminder, pick up Find Your Goddess: How to Manifest the Power and Wisdom of the Ancient Goddesses in Your Everyday Life. You’ll learn about goddesses like Aphrodite and Kuan Yin, and be inspired to channel their virtues to help you live your best life.
The Winter in Anna is one of those books that starts at the end — with Eric reading an obituary about Anna, a former love. From there, we travel backward to learn about their short but meaningful time together and the lasting impact Anna had on Eric’s life. It’s a beautifully written love story that will leave you reflecting on those who briefly but deeply impacted your own life.
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sometimes taught to not dream as big as men. I’m so glad I had a daughter. I
want to teach her that there are no limits.” February
cover star Serena Williams discusses motherhood, marriage, and just how many
more Grand Slams she intends to win before retirement.
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Lots of explosions, throwing bad guys against walls and through windows, heavy drinking, and photography. You know what all this means? Jessica Jones Season 2 is coming — and Netflix just dropped the first teaser for it, along with the premiere date!!
If Season 1 of the series was all about Jessica beating up and taking down bad guys…Season 2 is basically the same thing. And that’s a good thing! But this time around, Jessica is now dealing with some pretty heavy stuff, namely one named Kilgrave. Yes, Kilgrave again. If you remember correctly, in order to save herself (and her best friend, Trish, and also all of New York City) Jessica snapped his neck at the end of Season 1. That decision is still weighing heavy on her when we pick up for Season 2. Even though she’s starting to put her life back together, she can’t shake the choices she’s made in the past.
Oh yeah, and also the ghost of Kilgrave is following her around. Normal stuff.
And, on top of that, Trish is urging Jessica to look into her past because, “knowing what was done to you might help you.” Jessica doesn’t think that’s a good idea, or even a reasonable one, and as she replies, “what if facing it makes it worse?” Knowing how bad it’s already gotten for Jessica, can it get much worse? You know what, probably. At least her
three two other super friends aren’t along for the ride this time.
The teaser is set to “Barracuda,” which is maybe the MOST Jessica Jones song ever. Just don’t throw any of this “with great power comes great responsibility” BS around with her, because she’s not having it. She’ll throw up on you (her words, not mine).
Mark your calendars and cancel your plans, Netflix has Jessica Jones Season 2 slated to drop on March 8th, 2018. Time to start stocking up on killer leather coats and well worn combat boots.
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It’s not just her music that Rihanna is receiving accolades for.
The “Love on the Brain” singer headed to the hallowed halls of Harvard University on Tuesday, where she received the prestigious honor of 2017 Humanitarian of the Year by the Harvard Foundation for Intercultural and Race Relations.
Dr. S. Allen Counter, director of the Harvard Foundation, introduced Rihanna, saying, “Rihanna has charitably built a state-of-the-art center for oncology and nuclear medicine to diagnose and treat breast cancer at the Queen Elizabeth Hospital in Bridgetown, Barbados… It is for these philanthropic initiatives, and other acts of compassionate sharing, that the students and faculty of the Harvard Foundation chose to honor Rihanna with the 2017 Humanitarian of the Year Award.”
“So I made it to Harvard!” the singer said as she took to the stage, where she spoke about the childhood that inspired her charitable work as an adult.
“I’m incredibly humbled to be acknowledged at this magnitude for something, in truth, I never wanted credit for,” Rihanna told the crowd. “I remember watching TV (as a child) and I would see commercials with children suffering in other parts of the world, the ones where you could give 25 cents and save a child’s life. I said, ‘When I grow up and get rich I’m gonna help kids all over the world.’ I just didn’t know I would be in the position to do that by the time I was a teenager.”
Looking chic in a gray, off-the-shoulder tweed dress and over-the-knee gray boots with her hair swept back, Rihanna challenged the crowd of students and fans to make a difference in their own lives.
“We’re all human, and we all just want a chance,” Rihanna said. “A chance at life, a chance at an education, a chance at a future, really. And at CLF , our mission is to impact as many lives as possible, but it starts with just one. Just one. As I stare out into his beautiful room, I see optimism, I see hope, I see the future. I know that each and every one of you has the opportunity to help someone else. All you need to do is help one person and expect nothing in return. To me, that is a humanitarian.”
Rihanna started CLF in 2012 in honor of her grandparents, Clara and Lionel Braithwaite. The organization funds education, health, and emergency response programs, and seeks to improve the life of young people around the world.
And while she didn’t attend college herself, Rihanna hinted that there’s always the possibility she’ll pursue further education.
“The truth the little girl watching those commercials didn’t know, was that you don’t have to be rich to be a humanitarian. You don’t have to be famous, or college-educated,” Rihanna laughed. “I wish I was, especially today. I might come back!”
Before the big event, Rihanna went on a tour of the university and had lunch at Henrietta’s Table in the Charles Hotel. And according to the University staff, the Barbadian singer blended in with the students quite well.
“I can’t tell you what a gracious person she’s been to our students all day,” said Dr. S. Allen Counter, executive director the Harvard Foundation.
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Kim Kardashian said “sayōnara” to some stretch marks Sunday.
The 36-year-old Keeping Up With the Kardashians star said on Snapchat that she had gotten some stretch marks…
E! Online (US) – Top Stories
Special Entertainment News Bulletin:
This down-to-earth look at the welfare system provides readers with stories from welfare recipients themselves and from those who recently left welfare for work: how they got onto welfare, what the reality of welfare (and welfare reform) is for them, issues in raising their families, their plans, hopes, and dreams are for the future, and some of the struggles they face as they try to leave the welfare system.Welfare recipients who were interviewed by the author in Florida and Oregon share their perspectives on work requirements, family caps, time limits, and other features of the new welfare reform (TANF) program. They discuss the importance of a livable wage and health insurance in providing the needed security to leave welfare for good. These qualitative interviews are theoretically grounded, and supplemented with up-to-date statewide and national data on welfare reform and its consequences.The author says, “Underneath the political rhetoric and welfare statistics are real live human beings who are trying to make sense out of their lives.” Their voices provide a crucial counterpoint to the politicians and policy “experts” who have shaped the policy reform initiative. They show us that the so-called welfare problem is related to the insecurity of low-tier work in the United States.