What a Cliche!: The 5 Most Overused Resume Phrases

Just because something sounds good, doesn’t mean you should put it on your resume. A million other people probably have used the same phrase time and time again in their cover letter and during their interview. In today’s competitive job market, your resume needs to be innovative, unique, and eye-catching. This can’t be accomplished by using the same tired phrases that recruiters and hiring managers see and hear just about every day. Career strategist Jodi Brockington, founder & president of Niara Consulting talks about the most overused resume phrases and how we can put them to rest for ultimate job seeking success.

5 Most Overused Resume Phrases

‘I’m a team player’

This phrase is used far too often because job seekers know that every employer wants a team player. However, it’s best to demonstrate how you’ve been a team player rather than just saying that you are one. “‘Team player’ can also be misleading because it can suggest that you are a follower rather than a leader,” Brockington says. Consider phrases like “played various roles,”  “worked with multiple departments,” “thrived in diverse work environments,” or “handled a variety of tasks.”

“The team player thing is kind of played out,” she adds.

 

‘I have extensive experience in…’

People love to use this phrase, whether they’ve been working for 10 days or 10 years. Extensive is a very vague word that doesn’t tell an employer much about the actual experience you have, Brockington says. “[Extensive experience] can imply that you’ve been stagnant or that you’re older.” There was a time when this phrase was more acceptable because employers sought out individuals who had been doing the same thing for a long time. “Nowadays people are looking to hire that ‘master of many,’” Brockington says. Employers are more impressed by job seekers who have advanced and have multiple areas of expertise.

More specific phrases such as “five years progressive experience in project management and staff leadership” are a better option.

‘I’m a multitasker’

The fact that you can surf the Web while talking on the phone doesn’t make you a multitasker. In addition, multi-tasking isn’t necessarily a good trait if it isn’t done effectively. Brockington says that if not used in the proper context, “multitasker” can lead employers to believe that you aren’t detail-oriented or able to pay adequate attention to specific tasks.

It may be better to include that you are “able to prioritize and efficiently manage multiple assignments” rather than just saying that you’re a multi-tasker.

‘I am entrepreneurial-minded’

This word can be particularly damaging if it’s not something that the position calls for. Most job seekers refer to themselves as “entrepreneurial” in order to show independence and leadership skills. However, the term often implies that you “lack work experience or want to do things your own way,” Brockington says.

She suggests that a better approach would be to highlight your skills in strategic planning, leadership, understanding corporate vision and culture, risk-taking, and out-of-the-box thinking.

‘I work well in a fast-paced environment’

 It’s not very likely that an employer will refer to their company as slow-paced. So, it really isn’t necessary to indicate that you can “work in a fast-paced environment.” The term is too general and doesn’t tell the employer about the specific settings in which you’re most experienced, Brockington says.

She suggests that you provide more valuable phrases that talk about competency and completion of tasks such as “implement key time-management skills in high-demand settings” or “able to exceed company expectations by prioritizing tasks and completing assignments ahead of schedule.”

While these phrases might be cliche, Brockington says they can work for or against a job seeker. While there are no set rules on what phrases should and should not be used, it’s important to research the company and the role to see what might work and what should be avoided. Whenever possible, stay away from generic and general terms and always quantify or quality your experience with specific numbers and tangible evidence of your accomplishments.

-Editors’ Note: This article has been updated from its original publish date in 2012

Career | Black Enterprise

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FDR’s D-Day Prayer Showed Us What a True Leader Looks Like

George Skadding/The LIFE Picture Collection/Getty

On June 6, 1944, Franklin Roosevelt went on the radio and led the nation in prayer. Avoiding any trace of bluster, he asked not for conquest but for a better world.

With over 370 World War II vets dying every day, this year’s 75th anniversary of D-Day has a special poignancy. It reminds us that all those who on June 6, 1944, landed on the Normandy coast and began the last phase of World War II in Europe will soon be gone.

Like Gettysburg, D-Day marks a turning point in American history. In the case of Gettysburg, our memory of the battle is inseparable from the address President Abraham Lincoln delivered there four months later in November 1863. But it is often forgotten that D-Day, too, was memorialized in the year it took place.

Read more at The Daily Beast.

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Bayer asks trial judge to reverse $2 billion Roundup jury verdict

Bayer AG has asked a California judge to overrule a $ 2 billion verdict by jurors who found the company’s glyphosate-based Roundup weed killer responsible for a couple’s cancer, arguing the jury decision was not supported by evidence.


Reuters: Business News

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Summer’s hottest beauty trends, from neon makeup to bouncy bobs

From retro-inspired hairstyles to superbright neon eyeshadow, a look at the coolest, easiest beauty trends heating up the season. Beachy twists Margot Robbie’s thin, face-framing braids at the Cannes Film Festival photo call for “Once Upon a Time in Hollywood” pay homage to her character in the movie: Sharon Tate rocked similar pretty plaits at…
Fashion News, Photos, and Video | New York Post

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‘Your Species Isn’t Known for Moving Quickly.’ Jon Stewart Roasts Mitch McConnell Over 9/11 Bill on The Late Show

It’s clear that Jon Stewart cares deeply about taking care of the brave men and women who were the first to arrive at the site of the World Trade Center attack on September 11th.

That’s why he went to Congress to try and convince them to fully fund the 9/11 Victim Compensation Fund, delivering an emotional and powerful speech to those in charge. So when Sen. Majority Leader Mitch McConnell went on Fox and said Stewart of being “bent out of shape” for asking Congress to fund the, er, Fund and pointed out that Congress is pretty busy right now, Stewart decided he had to respond. So he stopped by his friend Stephen Colbert’s The Late Show on Monday night to once again support the people he calls “the first heroes, and veterans, and victims of the great, trillions of dollars war on terror.”

“I feel like an a–hole,” the former host of The Daily Show said on the show. “I didn’t know that they were busy. I didn’t mean to interrupt them with their jobs.” Stewart then struck back at McConnell, for not fully funding the first responders medical fund. “You love the 9/11 community when they serve your political purposes,” said Stewart,

Stewart said he recognizes that McConnell is busy, but he also said the Senate Majority Leader that if he does ignore the 9/11 First Responders, there could be unintended consequences. “You could pass this thing as a standalone bill tomorrow,” Stewart said. “If you’re busy, I get it. But just understand, the next time we have a war, or you’re being robbed, or your house is on fire, and you make that desperate call for help, don’t get bent out of shape if they show up at the last minute with fewer people than you thought were going to pay attention and don’t actually put it out. Just sort of leave it there smoldering for another five years.”

“I’m sure they’ll put it out for good when they feel like getting around to it,” Stewart said in conclusion. “No offense.”


Entertainment – TIME

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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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Fate of the Union: What the NFLPA Can Learn From the Fight of ’77

Compared to their NBA and MLB cohorts, NFL players have it rough. Their short careers in a violent sport include nonguaranteed contracts and restrictions on free agency—and owners have always had the upper hand. For one forgotten moment four decades ago, though, the union had the NFL on the ropes … and blew it. With players once again readying for labor war, the lessons of that battle matter more than ever.

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BWW Review: Michael R. Jackson’s Clever and Tuneful A STRANGE LOOP Zeros In On The Exclusive Side of Inclusiveness

‘Don’t roll your eyes at me,’ a person of influence instructs a promising young musical theatre writer. ‘I’m the chair of the Second-Coming-Of-Sondheim Award so I know what the fuck I’m talking about’
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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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

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Measles cases in United States rise to 1,044

The measles outbreak in the United States continues to grow, with the number of cases this year now reaching 1,044 as of Friday, according to the US Centers for Disease Control and Prevention.


CNN.com – RSS Channel – Health

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How To Stage Your Kitchen

HOME STAGING EXPERTS SHARE IDEAS FOR STAGING YOUR KITCHEN.

Staging a Small Kitchen

It is essential to make an objective evaluation of your kitchen before you put your property on the market, especially with a small space.
Ask yourself: Does it appeal to target buyers? Does it look fresh, new, current and move-in ready or does it need updating? Is it neutral in color and style? Does it feel spacious, bright, clean and well-maintained? Do the finishes and fixtures best portray the property lifestyle?

The goal should be to create a space that feels spacious and functional but also warm and inviting at the same time. This requires a balance of streamlining and emphasizing the space that is available. Decorative items should be kept simple, with a focus on quality over quantity. Simple place settings with layered bowls, plates and napkins are a good choice. Consider leaving aside cutlery and stemware for a simpler look. Beautiful lifestyle items you can use include olive oil, balsamic vinegar, sea salt, a single type of fruit in a bowl or vase and a touch of greenery to bring the outside in. Consider reflective items like mirrors or glass to help boost the light in the room without being busy.

Remove anything that could be perceived as clutter or would impede the flow of traffic. Runners, tea towels, soap dishes and cleaning products are a definite no. Less is more when staging a small kitchen. Working with the right professionals to guide you through the process will ensure you get it done right, the first time! – Karina Strachan, The Property Lifestylist

Kitchen Lighting Tips

Homeowners sometimes struggle with what lighting will best suit an open concept kitchen. In this new kitchen, the choice was made to keep it industrial with simple lines, as that best added to the overall style and location of the home. The contrast of the darker metal and the white cabinetry really makes the kitchen pop and that is very important when trying to win a buyer’s heart. Overall, it is a great win from a first impression standpoint. – Jill Turgeon, Simply Irresistible Interiors

Condo Kitchen Tips

With a small condo, the tendency is to turn the kitchen counter into an unconventional dining area in order to save space. This actually takes away from the appeal to a potential buyer. The key to resolving this issue lies in the furniture selection. A round, clear glass table with chrome legs and two chairs, placed strategically to avoid disrupting the flow of the room, allows you to maintain the illusion of a large space while creating two functional spaces. – Ariel Fu, New Concept Home Staging and Redesign

Kitchen Cleaning Advice

Having your kitchen and bathroom professionally cleaned, detailed and organized gives the potential buyer a “fresh” and move-in-ready feel.
Here are some tips to ensure your kitchen and bath shows at its best.

PACK-UP, STORE AND CLEAN AWAY Pack up kitchen appliances and items you rarely use so your countertops, inside the cabinets and fridge look spacious and not over filled. Potential buyers will look.

HIRE A PROFESSIONAL CLEANING COMPANY Detailed cleaning, packing and organizing helps.

FRAGRANCE The rooms should smell very neutral. It is best not to use scented cleaning products before showing the house. – Karolina Jandera, Fraser View Home Cleaning Services

The post How To Stage Your Kitchen appeared first on Home Trends Magazine.

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Taylor Swift releases song and petition calling for LGBTQ equality

Pop singer and songwriter Taylor Swift on Monday released a star-studded music video that scolded social media trolls and urged fans to sign a petition demanding U.S. legal protections for gays, lesbians and transgender people.
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‘Pokémon Go’ creators sue ‘hackers’ over illegal knockoffs

Gotta catch ’em all —without getting caught. Niantic, the software development company behind “Pokémon Go” and upcoming “Harry Potter: Wizards Unite,” is suing a group it claims has created knockoff versions of the games. In the suit, Niantic accuses Global++ of being an “association of hackers,” which distributes altered versions of the games that give…
Technology News & Reviews | New York Post

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What’s On Ester Dean’s Must-Read Book List?

A couple of weeks ago, Ester Dean shared that one of the driving forces behind her success in her belief in the Law of Attraction. The songwriter was exposed to this principle after reading Rhonda Byrnes’ The Secret.

“I get obsessed with what I want. When I read ‘The Secret’ on the law of attraction, I got obsessed,” she revealed during an episode of Madame Noire’s “In This Room.” “I didn’t understand why it was working. And then I’d pass it on to my family and friends and it didn’t work for them. I didn’t understand why not so I started doing more research.”

As it turns out, the “Drop It Low’ singer is an avid reader and she offered us a sneak peek into her life-changing book list.

“This is going to be crazy because I have a lot of books,” shared Dean. “Right now, I’m reading ‘Change Your Thinking, Change Your Life.’

Instead of leafing through traditional paperbound texts, the 37-year-old swipes her way to self-improvement using the Audible app.

“Anytime I pick up my phone, I’ll be going straight back to my books. I have a library,” she explained before going on to list some of her favorites. “‘Your Most Valuable Asset’ by Brian Tracy, ‘Ten Percent Happier,’ by Brian Tracy. Everything about me is Brian Tracy,” she went on. ‘Flight Plan’ by Brian Tracy. You know, when you’re in a place and you don’t know how to get out. It’s the fight or flight. It helps you to strategize on how to get out of the bad part.”

Previously, Dean shared with us that her obsession with knowledge is the key to her success.

“I get obsessed with knowledge. I get obsessed with thoughts of how I can get something that everyone thinks I shouldn’t have,” she confessed.

Check out her full book list below.


Your Most Valuable Asset – Brian Tracy

Ten Percent Happier – Dan Harris

Change Your Thinking, Change Your Life – Brian Tracy

Flight Plan: The Real Secrets of Success – Brian Tracy

The Luck Factor – Richard Wiseman

Come to Win – Venus Williams

Business Secrets from the Bible: Spiritual Success Strategies for Financial Abundance – Rabbi Daniel Lapin

Earn What You’re Really Worth – Brian Tracy

The Game of Life and How to Play It – Florence Scovel Shinn

Full Engagement! Brian Tracy

The Master Key System – Charles F. Haanel

The Power of Habit: Why We Do What We Do in Life and Business – Charles Duhigg

Awaken the Giant Within – Anthony Robbins

The Five Second Rule – Mel Robbins

The Four Disciplines of Execution – Chris McChesney

Visualization: Directing the Movies of Your Mind – Adelaide Bry

 

What are some of your self-help favorites?

 

Follow Jazmine on Twitter @jazminedenise

 

MadameNoire

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Some of the Top Things Readers Bought in May 2019…

As per reader requests, we’ve started rounding up some of the top things readers have bought recently — so here are some of the most-purchased items from April 2019! See the whole series here. 

This post contains affiliate links and Corporette® may earn commissions for purchases made through links in this post. For more details see here. Thank you so much for your support!

Pictured at top, clockwise: blue dress / white moto jacket / wedge sandal / dress / skirt / clutch 

Clothes for Work Bought in May 2019

Pictured: Ted Baker London Yalila Houdini Sheath Dress

Pictured: Topshop Pleated Mini Shirtdress

Pictured: Boden Bronte Sheath Dress (petite and tall sizes too)

Pictured: BOSS Esetta Cube Print Long Sleeve Midi Dress

Pictured: Halogen ® A-Line Dress (leopard almost sold out, but other prints still in stock)

 

Pictured: Tahari Scuba Crepe Sheath Dress (Regular & Petite)

Pictured: Ann Taylor Floral Wrap Dress (green & another floral print, too)

Pictured: Banana Republic Stripe Asymmetrical Fit-and-Flare Dress

Pictured: Loft Boatneck Sheath Dress

Pictured: Boden Phoebe Jersey Dress

Pictured: MM LaFleur Annie Dress

Pictured: Boden Richmond Pencil Skirt

Pictured: Ann Taylor Twist Waist Pencil Skirt

Pictured: Halogen® Long Linen Blend Cardigan (Regular & Petite)

 

Pictured: Caslon® Ballet Neck Cotton & Modal Knit Elbow Sleeve Tee (Regular & Petite)

Pictured: Madewell Whisper Cotton V-Neck Pocket Tee (Regular & Plus Size)

Pictured: Madewell Tie Front Shirt (Regular & Plus Size)

Pictured: Gibson Draped Faux Wrap Top (Regular & Petite)

Pictured: Bobeau Butter Short Sleeve Tee (Regular & Petite)

Pictured: Halogen Tie Waist Knit Top (Regular & Petite)

Pictured: Halogen Waist Detail Sleeveless Top (Regular & Plus Size)

Pictured: Halogen Knot Front Top – SOLD OUT

Pictured: Vince Camuto Mixed Media Tie Front Blouse

Pictured: Ann Taylor Pleated Top

Pictured: Gibson Cozy Ribbed Cardigan (Regular & Petite)

Pictured: J.Crew Parke Blazer (Regular & Petite)

Pictured: Gibson Notch Collar Cotton Blend Blazer

Pictured: Halogen Plaid Blazer (Regular & Petite)

Pictured: Vince Camuto Peak Collar Single Button Piqué Blazer – SOLD OUT

Pictured: BLANKNYC Mesh Detail Crepe Jacket (Regular & Plus Size)

Pictured: Tahari Star Neckline Crepe Sheath Dress (Regular & Petite)

 

Pictured: Eliza J Pleat Waist Sheath Dress  – SOLD OUT

 

Pictured: Halogen® Seamless Two-Way Tank

Pictured: Halogen Seamless Two-Way Camisole (2 for $ 49)

Pictured: Boden Richmond Stretch Cotton Trousers (Regular & Petite)

Pictured: Halogen Ankle Pants (Regular, Petite & Plus Size)

 

Accessories for Work Bought in May 2019

Pictured: CC Corso Como® ‘Del’ Pump (on sale!)

Pictured: Marc Fisher LTD ‘Zala’ Pump (select colors marked 40% off!)

Pictured: Sam Edelman Hazel Pointy Toe Pump (select colors marked down 40%!)

Pictured:  STATE Saffy Block Heel Pump (select colors under $ 60!)

Pictured: CC Corso Como Jullia Flat

Pictured:  Mauldin Wedge Sandal (on sale!)

Pictured: 1901 Ellery Block Heel Sandal

Pictured: Diane von Furstenberg Ines Pump

Pictured: Sam Edelman Felicia Flat

 

Pictured: Lucky Brand ‘Emmie’ Flat

Pictured: BP. Faux Leather Circle Clutch

Pictured: Nordstrom Kara Leather Expandable Crossbody Bag

Pictured: Target Claxton Weekender Bag

Clothes for Casual Offices and the Weekend

Pictured: KUT from the Kloth ‘Helena’ Denim Jacket (Regular & Petite)

Pictured: Zella Live In 7/8 Leggings

Pictured: Caslon Cotton Twill Shorts (sold out, but similar)

Pictured: Leith Ruched Body-Con Tank Dress (also in plus sizes)

Pictured: Converse Chuck Taylor All Star Shoreline Low Top Sneaker

Most Bought Lingerie in May 2019

 

The post Some of the Top Things Readers Bought in May 2019… appeared first on Corporette.com.

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The Many Hats Contractors Wear & The Dangers of Spreading Yourself Too Thin

While homeowners expect your online and social presence to be top notch, they’re ultimately signing up for your expertise in home improvement above all else.

To put it simply, it’s very unrealistic for contractors to actually find the time or wherewithal to do everything their company needs doing as it seeks to grow. And in the rare event a contractor is able to miraculously spread themselves that thin, there’s virtually no way they’re going to be doing everything well enough to scale or even well enough to meet expectations.

One way to ensure you are not going to burn out and that your talent, experience, and skills are put to the most efficient use possible is to delegate appropriately. You could choose to hire other people with specific talents that complement yours. Or you could choose to pay a service whose own value proposition it is to take one of your hats and dedicate a team to make it shine. Or you could mix the two or even come up with your own cocktail of ingredients that works best for you and your company’s needs.

Whichever path you choose, dividing the work is a worthwhile investment in the future of your company and, by extension, in your own future success as a contractor.

Home Improvement Contractor Hats: The List

Let’s recap some of the hats every contractor has found themselves wearing at one time or another:

  • Business owner
  • Production supervisor and/or manager
  • Operations supervisor and/or manager
  • Marketer
  • Estimating, Budgeting, and Quoting Lead
  • Recruiter
  • Auditor
  • Home Improvement Contractor

Maybe you should be the in-house expert on some of these, if you so wish, but you cannot realistically expect yourself to have the time to do all of this and to do it so well that it benefits the future of your company.

Let’s take a closer look at some of these hats and how they try to monopolize your workday.

Home Improvement Contractor Hats: A Breakdown And Some Useful Tips

Contractor Hat: Business owner

As the final line of authority on everything to do with the company, you’ve surely been overwhelmed with asks for decisions or priorities.

For example, what exactly should you do when and if a customer decides not to pay you? From knowing your rights to providing sufficient and timely notice, the best way to respond takes (your) time. Or consider the ever-evolving world or mobile and desktop software out there to help you manage your company. While infinitely useful and worthwhile, paying for, learning, and executing new processes could easily swallow up hours each week.

Contractor Hat: Production supervisor and/or manager

Whatever style home improvement your business sits in, there’s a service or product to be delivered, created, constructed, installed, and so on. You’re the final authority on it going well.

From employee timetabling to building out project schedules and fine-tuning daily (or hourly) priorities within a given workday, you need the time to focus on strategy. And as a contractor, your work naturally lends itself to visual interest — as long is it was installed well and homeowners are pleased. Even if they don’t kill the project, little mistakes could cost you the ability to use a completed project in marketing efforts for a future one.

Contractor Hat: Operations supervisor and/or manager

From HR to accounting, you’re the one in charge of keeping the lights on, so to speak. Of course, there’s a world of software available to you for ensuring a high return on your time, but figuring it out and implementing it is just as consuming as doing the same from a production perspective, as mentioned above.

The best apps take some of the administrative burden out of contracting and reduce the amount of manual labor and time you spend following up with stakeholders. From DEWALT Mobile Pro to Fieldwire, there are certainly ways to reduce the weight of this specific hat.

Contractor Hat: Marketer

Whether by social media, phone, website, or any of the long list of marketing channels currently deployed, competing in the marketing universe is almost as important to sustaining your business as the work itself.

Companies with strong alignment between sales and marketing could see their annual revenue grow by as much as 20 percent. It’s important your marketing efforts focus expertly on listening to potential clients, communicating often, and always following through. While Modernize isn’t an expert in installing solar panels, we’re very much experts in every corner of marketing and could be just the time-saving investment you’ve been considering.

Contractor Hat: Estimating, Budgeting, and Quoting Lead

Whether you’re directly involved in this most crucial of contacts with potential clients or managing someone else who is, you’re certainly an expert in the topic and spending time every day keeping yourself that way, either by working on it or learning about it.

Here are a few overall tips in the estimation process we’ve learned through our engagement with both contractors and homeowners (see a deeper dive on these here):

  • Be accurate: Whether it’s about materials, labor, or the miscellaneous costs that could come up, your estimate packet must include them.
  • Be honest: Funny thing with this one is inevitable white lies. You didn’t misrepresent any information in our packet but you didn’t break down a few potential issues that could arise and when they do, the client feels misled. No one expects you to predict the future, but the client will appreciate some information on what neither of you presently know and what could impact the project, if even only in broad strokes.
  • Be professional: This seems obvious but when it comes to keeping an eye on your labor force or online presence, it’s easier said than done. From communicating consistently about the project to keeping an organized paper trail of the process before and during it, it’s important to focus appropriately on providing a customer experience that will make your client want to come back (and prevent negative online comments or complaints).

Contractor Hat: Recruiter

From your labor to reception, you need to ensure you have the right talent in the right place.

In construction, for example, professionals have named hiring as their top concern for a number of years. Recently, the National Association of Home Builders survey findings revealed that 82 percent of construction professionals listed the cost and availability of laborers as a pressing priority for the year, compared to just 13 percent in 2011. From obvious solutions like making your company more enticing to work for to less obvious ones like widening your recruitment radius or getting help finding talent, your time is regularly taken by efforts to keep your labor force full.

Contractor Hat: Auditor

Is your project process efficient? Are your marketing efforts showing trends in either positive or negative directions? Have you followed up with potential clients who were unsure last year but might be ready now? It’s important for contractors to keep watch of their output and use results and data to increasingly improve it.

In 2019, the same old approach to home improvement lead generation is not going to cut it. One of the easiest—and fastest—ways to assess the current state of your business is processing some data that you already have. Data analytics measure your online presence and determine which parts of your business are currently and potentially most profitable. At Modernize, for example, we use the thousands of surveys homeowners submit to us to learn more about homeowner needs and challenges in the home improvement space — whether for solar, roofing, HVAC, windows, or other projects. Learn more about our most recent findings in the latest Homeowner Survey Index: Q1 2019.

Contractor Hat: Home Improvement Contractor

Lest we neglect it, you’re of course an expert in whatever service or product you offer, meaning you wear that hat first and foremost as any homeowner needs to know they’re handing their home, their investment, and their trust to someone whose experience merits the deal.

In that sense, there’s a lot to know. Here are seven overall mistakes we’ve learned about from our conversations with contractors and homeowners (see a deeper dive on the topic here):

  • Mistaking an Ally for a Threat
  • Letting Personal Ties Get in the Way
  • Refusing to Get with the Times
  • Taking an Ego Trip
  • Biting Off More Than You Can Chew
  • Spend Like It’s Going Out of Style
  • Hire for Skills, Not Character

Home Improvement Contractor Hats: How To Hang A Few Up

No one knows your top priorities better than you. Likewise, no one can really advise you on which of these hats fits your head better than others.

Here at Modernize, we know our business and we know what we can offer you. From marketing to auditing to guiding an ever-growing online presence (and its various benefits), we can take one or two hats and leave you the ones that best fit your skill set and your time. If you’re ready to take back your hours and increase your future potential earnings, give us a call.

Let’s grow your business together

The post The Many Hats Contractors Wear & The Dangers of Spreading Yourself Too Thin appeared first on Modernize.

Modernize

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DR Officials Identify Man Believed To Have Paid Ortiz Hitmen

SANTO DOMINGO, Dominican Republic (AP) — Dominican authorities on Monday identified the man they believe paid hit men to try and kill David Ortiz, adding that they were closing in on the mastermind and motive behind the shooting of the famous slugger who is recovering at a hospital in Boston.

The man was identified as Alberto Miguel Rodríguez Mota, whom authorities say is a fugitive. The announcement was made as a judge held a hearing closed to the public for another suspect nicknamed “Bone.” Officials did not release details, but according to court documents obtained by The Associated Press, the man, whose real name is Gabriel Alexánder Pérez Vizcaíno, is accused of being the liaison between the alleged hit men and the person who paid them.

RELATED: Prosecutors Believe Suspects In Ortiz Shooting Wanted In US

The documents state that a man who is in prison for an unrelated case reached out to Pérez for the alleged job a week before the June 9 shooting at a bar in Santo Domingo and sent him a picture of the target so he could share it with the hit men.

Pérez allegedly shared the picture with the other suspects as they gathered at a nearby gas station just minutes before the shooting. Officials have not said whether the picture was of Ortiz.

The documents also state that Pérez sold a gold-colored iPhone 6 used to plan the attack to a woman for $ 180 so he could get rid of the evidence a day after the shooting. Authorities claimed the phone was giving him problems and that’s why he sold it.

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“He did this upon finding out that police were looking for him,” the document states.

An attorney for Pérez did not comment upon leaving the courtroom after the hearing as police whisked away the suspect, who was wearing a red T-shirt, a flak jacket and a helmet. He did not speak to reporters.

The 24-year-old suspect is one of 10 that authorities have detained, and they are looking for at least two others mentioned in the court documents, including the man accused of paying the alleged hit men.

Ortiz’s attorney, José Martínez Hoepelman, said he was satisfied with how the investigation was going.

“Trust the authorities,” he said. “They have worked tirelessly to obtain the results that we have so far. We all want more information, but we have to wait.”

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Police have said the coordinator of the attack was offered 400,000 Dominican pesos, or about $ 7,800, to orchestrate the shooting of Ortiz, known as Big Papi.

He led the Red Sox to three World Series championships, was a 10-time All-Star and hit 541 home runs.

Ortiz lives in Boston but visits the Dominican Republic several times a year.

Doctors removed his gallbladder and part of his intestines before he was flown to Boston, where he remains in intensive care at Massachusetts General Hospital.

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Represent Men’s Spring 2020

Designer brothers George and Michael Heaton made a few changes this season, pulling their show off the Milan runway in order to focus on a new ad campaign shot by Jordan Green. The campaign, themed around a car accident in the remote countryside and involving an English bull terrier, lands in the next few weeks on billboards and fly posters on both sides of the Atlantic.
The brothers also decamped to Rockfield Studios in Wales, recently featured in the film “Bohemian Rhapsody,” to unplug from their Manchester studio and get some fresh perspective.
The collection, on display in a Milan showroom, had more than a whiff of the countryside to it, and was done in a palette of olive green, brown, black and camel for the duo’s street-meets-utilitarian wear silhouettes. There were oversize Windbreakers inspired by fellow Mancunian Noel Gallagher, camou trousers and shorts, and hunting, field jackets and plaid coats fit for cold Welsh mornings.
The standout print featured vintage cars on T-shirts and pajama-style tops, a reference to the vintage cars parked in the driveway in front of Rockfield and to the theme of the upcoming ad campaign.

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AP Investigation: Many US jails fail to stop inmate suicides

Medication withheld, cries for help ignored, routine checks neglected: With suicides a problem in many jails across the U.S., an AP/Capital News Service examination raises troubling questions about whether deaths could have been avoided.
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Today in Movie Culture: The Practical Effects of ‘Child’s Play,’ ‘Toy Story’ Franchise Recap and More

Today in Movie Culture: The Practical Effects of ‘Child’s  Play,’ ‘Toy Story’ Franchise Recap and More

Here are a bunch of little bites to satisfy your hunger for movie culture:

 

VFX Breakdown of the Day:

Chucky returns this weekend in a new form as the Child’s Play remake hits theaters. This time, the killer doll is voiced by Mark Hamill and is more of a robot action figure portrayed with practical animatronic effects. Here’s a behind the scenes look at the making of the new horror movie from Orion Pictures that shows how they brought the new Chucky to life:…

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‘Start Here’: 1,000 more troops to the Middle East, and a ‘war zone’ in Texas

It’s Tuesday, June 18, 2019. Here’s what you need to know to start your day.
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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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Sisters Honor Stepfather By Taking His Name [WATCH]

Like many fathers, Marvin Bowers was likely expecting a low-key Father’s Day. Maybe dinner, maybe some socks or ties. But this year, he had one of the best Father’s Day ever and his response to it went viral.

Via Buzzfeed:

Bowers is both a father to 11-year-old Maya and stepfather to 22-year-old Jia and 19-year-old Jazel. This year, the older girls decided to surprise the man they consider a father with the ultimate gift – they decided to legally take his name.

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Mom Sae taped her husband’s emotional reaction:

 

Though Twitter is known to be cynical and bitter as well as full of trolls, this hit most as an example of joy and love in a cruel world. And they tweeted their appreciation, making this Father’s Day moment viral.

 

Safe to say that while Father’s Day 2019 is in the history books, the Bowers family will remember this day forever. Congrats to all!

PHOTO: Bowers Family

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Jon Stewart Fires Back at Mitch McConnell on ‘Colbert’: Stop ‘Jacking Around’ 9/11 First Responders

Scott Kowalchyk/CBS

Jon Stewart was not about to let Senate Majority Leader Mitch McConnell get the last word.

After the former Daily Show host called out McConnell on Fox News Sunday for consistently waiting until the “very last minute” to offer relief to 9/11 first responders—and only doing so “under intense lobbying and public shaming”—the Senate majority leader went on Fox & Friends on Monday morning to offer a dismissive response.

“I don’t know why he is all bent out of shape, but we will take care of the 9/11 Victims Compensation Fund,” McConnell insisted, adding, “It sounds to me like he is looking for some way to take offense.”

Read more at The Daily Beast.

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Cara Delevingne Shares the Special Reason Why She Went Public With Ashley Benson Relationship

Cara Delevingne, 2019 TrevorLIVE Gala, ArrivalsCara Delevingne is opening up about her decision to go public with her relationship with Ashley Benson, nearly one year after they started dating.
In an interview at the TrevorLIVE Gala,…

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Scouted: Should a Waffle Knit Towel Replace Your Normal Bath Towel? We Find Out by Testing Three.

It’s hard to see a waffle knit towel and think that it’ll be a better, more comfortable, or more enjoyable part of your morning (or night) routine. Let’s just get this out first: These don’t look like your normal bath towels because they aren’t your normal bath towels. They aren’t fuzzy or fluffy or plush. But they’re still great to look at and even better to use. These towels are so lightweight and absorbent, I can’t see myself going back to a fluffy one. So I decided to try and find which was the best by testing three towels: the $ 39 Parachute Waffle Knit, the $ 22 Snowe Honeycomb Bath Towel, and the $ 55 Onsen towel from Amazon.

This style of towel is modeled after the towels you would receive at Japanese hot springs onsen). They’re typically made from super soft cotton and are lightweight, absorbent, and quick-drying. I tend to take showers more often than a normal person does so the quick-drying component is especially important to me. Here’s what I found:

Waffle Towels, $ 39 from Parachute: These were my overall favorite. Parachute makes some incredible textiles and these are no different. They’re soft but sturdy and while they’ll never give you the plushness a fluffy towel will, it’ll still feel soft when you wrap it around you. They’re 100% long-staple Turkish cotton and feel like something I would contemplate stealing from a fancy hotel.

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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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Trump on obstruction, new health care plan, Kim Jong Un relationship

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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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Achilles Ion Gabriel Named Creative Director of Camper Lab

LONDON — Camper has tapped Finnish-born footwear designer Achilles Ion Gabriel to be its new creative director for Camper Lab, WWD has learned.
As part of the role, he will oversee the design team as well as brand communications and store designs for Camper Lab, which is a more “progressive,” experimental range by the Spanish label.
Ion Gabriel, who previously worked for the likes of Marni and Sunnei and also has his own footwear label dubbed Ion, will present his first collection in January as part of the fall 2020 season.
He said he was drawn to Camper’s heritage in shoemaking and the “creative design possibilities” the role has to offer.
The announcement of his hiring comes after former creative director Romain Kremer stepped down, earlier this month.
“Achilles is one of the most talented shoe designers of our time. I have always admired his work,” added Miguel Fluxà Ortí, chief executive officer of Camper.

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Today on Broadway: Monday, June 17, 2019

Listen: Manilow’s “Harmony” Planning a NY Run, “SITPWG” Getting London Run, and Ashley’s Not Having Jesse Green’s Reviews! “Today on Broadway” is a daily, Monday through Friday, podcast hitting the top theatre headlines of the day. Any and all feedback is appreciated: Ashley Steves ashley@broadwayradio.com | @NoThisIsAshley James Marino james@broadwayradio.com read more
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Homebuilder sentiment inches lower despite demand for single-family homes

The nation's homebuilders reported solid confidence in the housing market in June, but levels dropped slightly due to concerns over trade issues, the high costs of construction and the lack of skilled labor.
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METALS-Copper steady; investors eye Fed meeting amid Chile mine strike

London copper prices were
steady on Tuesday as investors eyed results from the U.S.
Federal Reserve’s interest rate meeting, while concerns over a
mine strike in top copper producer Chile offset weak U.S.
economic data.


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adidas Consortium & Alife Join Forces Again for Another Nizza Hi Makeover

Just two months after its last collaborative release, adidas Consortium and long-standing partner Alife is dropping yet another Nizza Hi together.

Electing an even cleaner colorway this time, this Nizza Hi “Artist Proof” is dressed entirely of pure white, with the usual canvas upper paired with a vulcanized midsole and rubber outsole. The pristine 1975 silhouette creates a fitting backdrop for the black rubberized appliqué on the sides reading “Alife®/Shop Art Museum,” coupled with toe cap markings reading “©2019” and “A/P 1/400″: the year of collaboration and limited edition number. The Alife black-text branding extends up to the laces and the tongue tags, with “Artist Proof” written on each one. As part of the campaign, a white Alife®/Shop Art Museum T-shirt will also be released, also featuring the same black rubberized appliqué on the chest.

The adidas Consortium x Alife Nizza Hi “Artist Proof” will be available at the Alife online store and the Alife Rivington Club on June 20, followed by a June 22 release at Nouis in Paris and the Alife Japan online store.

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Former FDA chief Scott Gottlieb says some claims about health benefits of CBD are ‘pretty hokey’

"The idea that you can put it in dog food and it's going to calm your dog … I think that's pretty hokey," former FDA chief Scott Gottlieb says.
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‘KUWTK’ ‘Southern Charm’ & ‘RHOP’ Recap With ‘Girls Gotta Eat’ Co-Hosts | 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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Biden slams critics of working with GOP: ‘Why don’t you all go home then, man?’

Former Vice President Joe Biden on Monday forcefully pushed back against criticism that he is naïve to think Democrats can work with Republicans in Congress after President Donald Trump leaves office.


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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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‘Mortal Kombat 11’s’ New “Kombat League” Kicks Off June 18, Includes Ranked Matches & In-Game Rewards

'Mortal Kombat 11's' "Kombat League" Kicks off This Week

Source: WB Games / NetherRealm Studios

Since it’s launch back in April, Mortal Kombat 11 has been teasing the arrival of the “Kombat League” in the game’s multiplayer menu. Now we know when we can expect to take part in what NetherRealm describes as a seasonal challenge and that day is June 18.

That’s right, starting tomorrow, players will be able to take part in the “all-new seasonal ranked mode” that will put them up against other Kombatants allowing them to rank up in hopes to earn exclusive in-game rewards.

The free content when it launches will have players competing in ranked matches against similarly skilled opponents during a four-week season that will see them try to progress through nine tiers. As part of the upcoming update, a meter will be added that will display yours odds at beating the opponent you are matched up against. The goal is to climb up the ranks where you will start off as an Apprentice and if your MK11 skills are up to snuff will see you earn the highly coveted title of Elder God. As you progress, you will be rewarded with exclusive in-game items which are described as cumulative by NetherRealm in a press release.

Players can also earn in-game items by completing daily and seasonal quests, for example, this first season is called “Season of Blood” so you will be rewarded for the amount of blood you spill while competing. The rewards for all of your hard work will be skins that are black and white with traces of red, as seen in the announcement trailer.

The “Kombat League” is an excellent addition to an already fun game to give it even more legs and keep players engaged. The new competitive online mode arrives on the same day when Kombat Pack 1 owners get exclusive access to DLC character Shang Tsung. Coincidence? We think not. To get a full detailed breakdown of Mortal Kombat 11’s “Kombat League” check out the trailer below.

Photo: WB Games / NetherRealm Studios

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A Step-by-Step Guide to Building a Budget You Can Actually Stick to

If you’re anything like me, you’re perpetually swinging between vowing to cut all unnecessary spending cold turkey and humming “Treat Yo’self” as you order your third UberEats meal in 12 hours.

Which one you’re doing depends on the day — and how long it’s been since your last paycheck.

The result: a pitiful savings account balance, scrimping to pay the minimum on your credit card and feeling like you’re still living paycheck to paycheck even though your income has come a long way since your first job out of college.

You know there is a way to solve this problem. You know that if you just create a budget — and by some miracle, stick to it — you could finally get the financial freedom everyone else seems to have already figured out.

You also know budgeting is a buzzkill.

But if you give it a genuine shot, we promise that we will, too. We’re in this together.

How to Budget in 4 Easy Steps

Creating a budget doesn’t have to be a grueling process. If you take some time to prepare and learn how to budget in a way that makes the most sense for your lifestyle, you can start on the road toward controlling your personal finances in no time.

We’ve laid out exactly what you need to do in four pretty simple steps.

Step 1: Know How Much You Make and Spend

Before you can make a budget that works, you need to know your numbers. We like to focus on a monthly budget, since most bills are due once a month.

Pro Tip

Exporting your statements to a spreadsheet or using highlighters on printed statements can help you see patterns in your income and spending habits.

Log in to your bank account online, and grab your last couple months’ worth of bank statements. While you’re at it, grab your credit card statements, too.

How to Figure Your Monthly Income

First, write down your monthly income.

This should be your take-home pay for the month. That’s the money you earn minus deductions for taxes, Medicare, Social Security, health insurance contributions and allocations to retirement accounts like your 401(k) or Roth IRA.

This is easy if you have a full-time, salaried job. If you are paid by commission, work hourly or have some other kind of irregular income (like freelancing), use an average of the last six months to get a rough idea.

Self-employed budgeters can benefit by taking a step back each quarter to examine their income. “If you’re paying quarterly taxes anyway, you have this natural stopping point to look,” says Lillian Karabaic, CEO of Oh My Dollar! “It’s a good way to check on the health of your business.”

But don’t just stop there. Add any extra money that comes in from your side hustles. Child support payments. Recurring bonuses or stipends. Financial aid payments. Include it all.

How to Figure Your Monthly Expenses

Your next step is the painful part: It’s time to log your monthly expenses.

Start with the recurring monthly stuff, which may include:

  1. Your rent or mortgage
  2. Car payment
  3. Car insurance
  4. Cell phone bill Internet, cable TV and other monthly subscriptions (think: Netflix and Spotify)
  5. Utilities
  6. Debt payments

Don’t forget to include non-monthly but recurring expenses, like the following:

  1. Vehicle registration fees
  2. Credit card fees
  3. HOA fees
  4. Professional association dues
  5. Annual subscription renewals

To incorporate these non-monthly but regular expenses into your monthly budget, add up the total cost for a year, then divide that number by 12 to find out how much they cost each month, according to Bridget Todd, COO of The Financial Gym.

“You might open a separate bank account for your annual expenses,” Todd said. “Then when the bills come, you don’t have to adjust your spending. It’s similar to saving for Christmas shopping” throughout the year.

From here, you’ll want to start adding up your discretionary expenses. Analyze your spending habits. How much are you spending on shopping, eating out and drinks with friends?

To get a full picture, you can put these things in categories. For example, movies, concerts and museum visits can all go under entertainment. Your gym membership, yoga membership and the drop-in rate on that one CrossFit class can all go under fitness.

Look at a few months of statements to get an average for this part, too. That will give you a more accurate picture of your finances.

Step 2: Set Your Financial Goals

If you’re going to succeed at this budgeting game, you need to have an idea of what you’re hoping to accomplish.

It can be a simple short-term savings goal like funding a vacation with your college besties. Or a long-term one, like learning to budget so your kid can go to college without student loan debt. And don’t forget about funding your retirement savings goal.

Set a goal, and make it a motivating one — your financial plan could be the only thing that stops you from swiping your debit card to buy yet another pair of shoes this weekend.

Next, get your priorities in order — literally. Write them down in order from most to least important to get an idea of where you want your money to go.

You might not get your priorities right the first time, and that’s ok. It’s challenging to choose one option over another, and if the first list doesn’t work well, you can always rework it. Work to find a balance between “fun” and “responsible” spending.

Pro Tip

If you see any areas where your spending is out of line with your goals, now’s the time to fix it by outlining a new budget that directs more of your income to your top priorities.

I take it a step further and mix my financial goals with my personal ones.

For example, I tend to overspend on restaurant meals. But budgeting less for eating out means I cook more healthy meals at home, so I save while staying on track to accomplish my weight loss goals, too. Then, I can use the money I save to build up my emergency fund or pay down debt a bit faster and continue toward my goal of becoming debt-free.

Step 3: Find Your Favorite Budgeting Method

Once you have a complete picture of your finances, it’s time to pick the budgeting method that works best for you. The one you choose will depend on how much time and energy you have to devote to it.

If you feel comfortable creating an old-fashioned budget worksheet in Excel, you can do that. We’ve got a few super simple ideas you can try if charts make your eyes glaze over.

But even after you’ve picked your favorite budgeting method, don’t be afraid to bend it a little to fit your financial situation.

Bare-Bones Budget

You don’t have to spend several hours each month working on a budget. The easiest way to budget is to grab a pen and paper and simply write down how much you make and how much you need to spend on the essentials — like housing, utilities, food and debt repayment. You save the rest.

Pro Tip

When you make a budget, keeping it on a sheet of paper somewhere visible to you will remind you to rein in your spending.

That’s it. You’re done.

Need a little more motivation than a blank sheet of paper? Here are five ideas for creating a bullet journal budget.

Zero-Based Budget

The zero-based budget takes the bare-bones budget one step further. The goal here is to get to zero at the end of each month. It helps you account for each dollar on the way.

Write down how much you make, and divide it to cover all your bills, savings and discretionary spending until you hit $ 0 at the end of the month.

Although this plan encourages you to get down to nothing, the idea isn’t to spend without regard; it’s to make sure every dollar goes exactly where you intend for it to go every month.

50/20/30 Budget

This takes all the guesswork out of deciding which expenses should stay in your budget and which ones need to go.

With the 50/20/30 plan, 50% of your money goes to essential expenses like housing, utilities and your car payment. From there, 20% will go to financial goals like savings and investments. The final 30% is yours to spend on the fun stuff like restaurants, movies and drinks with friends.

Cash Envelope Budget

The cash envelope system is good for those who have problems overspending on variable expenses like groceries or entertainment.

Review your monthly income and average expenses to determine how much you spend in each category.

Then take out your envelopes, label them by spending category and fill them up with their cash allocations. (You don’t need to use envelopes for fixed costs like rent or car insurance.)

When you’ve spent all the cash in an envelope, you can no longer spend in that category for the rest of the month.  

Step 4: Find the Best Budgeting Tools for You

Remember when I said you’re not alone in this quest to budget your money? Well, there are some tools that can help.

Automate Your Budget

Automating the budgeting process helps you focus on your priorities by sending the money where it needs to go before you have the chance to blow it on an impulse.

On the income side, that can mean setting up the automatic deposit for your paycheck to be divided between your checking and savings account.

Pro Tip

If you have a hard time remembering which bill is due when — or those dates just don’t jibe with your cash-flow situation — you can call a lender or company and ask them to adjust the date.

In the expenses column, you can set up autopay for recurring regular expenses like your car payment or mortgage, helping you avoid those dreaded late fees.

Budgeting Apps

While budgeting by hand works great, your smartphone can streamline it.

Mint: My favorite free app is Mint, which is available on iPhone and Android devices, and is also accessible at Mint.com. You connect your bank account and credit cards, then you set a dollar amount for how much you plan to spend in each category.

Mint will automatically analyze your spending and notify you when you get close to your budget limit or overspend. It’s pretty easy to use and can save you lots of time. The only downside is that the “You’ve exceeded your budget” emails can sometimes feel a little judgmental.

EveryDollar: If you’re a fan of the zero-based budget, EveryDollar is the free app for you. It’s also perfect for side hustlers whose income can fluctuate from month to month. As you manually track your spending with the app, use it to make sure every dollar you make is accounted for.

Prism: This isn’t technically a budgeting tool, but it’s still worth mentioning. Prism is a free app that puts all your bills in one place, so you always know exactly how much money you have and how much you owe.

You can connect everything from rent and car insurance to student loan payments and your Tidal music streaming account, and you can pay your bills right from the app.

You Need a Budget: This started out as an app and then became a book, too. It hinges on four rules:

  1. Give every dollar a job.
  2. Embrace your true expenses, not your ideal ones.
  3. Roll with the punches, and adjust your budget as you spend.
  4. “Age your money,” meaning hold onto it longer, and start to break the habits that leave you living paycheck to paycheck.

You Need a Budget is more hands-on than other apps. It’s also the only option that’s not free. After the 34-day free trial, you’ll pay $ 6.99 per month for the service.

Don’t Let Setbacks Discourage You

Lillian Karabaic, CEO of Oh My Dollar!, likes to remind her clients that the first month you set up your budget, you’ll forget about things.

“That’s OK. You’re just getting better information” each month as you remember expenses, she said. “The third month is the point at which, if you’re still doing it, you start to feel like you’re in charge of the budget.”

Key words there: If you’re still doing it.

You’re likely to fall off your budget in one of these two ways: You set restrictions for yourself but fail to meet them, or you forget to keep up with your budgeting method and give up. You only really need the parts of a budget method that serve you and your plans for the future.

And remember: making a budget isn’t a one-time event. Keep an eye on your plan as your goals and life change. Earning a raise, losing a job, getting married, having kids, starting a business — each of these life changes requires you to review and recalibrate your budget to stay on track to meet your goals and live your life.

Desiree Stennett (@desi_stennett) is a former staff writer at The Penny Hoarder. Senior writer Nicole Dow, former staff writer Lisa Rowan and freelancer Kevin Mack contributed to this post.

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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Payal Kadakia: ‘We need more diversity on the other side of the table’

Female tech founder Payal Kadakia is next in our Women Who Win series, giving us some insight into how tough you have to be to hack it at the top…

You may not have heard of Payal Kadakia just yet, but you’ll certainly know her brainchild, ClassPass, with the fitness membership app giving access to the most on-trend classes across the globe, from boxing to barre.

In the UK alone, there are classes across London, Bristol, Brighton, Edinburgh and Manchester, and it’s only spreading.

‘People always think I’m this huge fitness person,’ the ClassPass founder explained to our Junior News Editor Jenny Proudfoot over avocado toast. ‘But, I started this company because I am scared of fitness. I didn’t even own sneakers until I was in my twenties. I was not an athlete by any means. I hated gym class. No one wanted me on their team.’

But Payal found a gap in the market due to her own need, quitting her corporate job to set up her own company from scratch in Starbucks.

‘My own product has helped me feel so strong,’ she explained. ‘I feel really confident now walking into any class, and through ClassPass, we’ve made it really fun and made everyone feel like they can do that too.’

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But starting a business from scratch doesn’t come without its difficulties, something Payal wouldn’t let stop her on her mission.

‘Failure for any company is running out of capital. That’s the only failure that actually happens – when you cannot pay your bills and pay people working for you,’ she explained. ‘That’s when you have a shutdown. But until that moment, everything is fair game. And you need to make as many hard decisions as you can.’

Our Women Who Win interview series celebrates strong and inspirational female trailblazers, shaping the future for us all, and Payal Kadakia and her refusal to let anyone or anything stand in her way is that in a nutshell.

Jenny Proudfoot sat down with Payal to find out how tough you have to be to survive as a female founder nowadays and why we shouldn’t be afraid of making mistakes…

What is the boldest thing you’ve ever done?

Quitting my job. That is one of the scariest things anyone can do because you’re throwing security out of the door. I always remember that day. I don’t think I realised how bold I was being at the time because you almost feel a little defeated – you’re quitting. But I was in a job where my dreams weren’t there and there was no one I aspired to be or for my company to become. The way people reacted to my quitting changed my perception. I earned a tonne of respect from all these people who were like ten years older than me because I made a really bold decision in my life. The tables had flipped and then I realised, that was the way to lead life.

What is the best advice anyone’s ever given you?

It was around the time I started building my company, from one of my earliest advisors. I was going to potentially take a job at Spotify because it was scary not having an income, and she told me, ‘If you’re not going to bet on yourself, how is anyone else going to?’. It was an eye-opening moment for me and I didn’t take any other job and focused on ClassPass from that date forward.

What has been your proudest moment?

When my parents first saw my office. We moved into our big office in New York in 2016, and while it was five years into the journey, I think my parents were wondering ‘What is my daughter doing? Does she have a real job?’, until then. You have to remember, my parents came to America with nothing, and while they believed in me and were really sweet, when they saw my office, that was a really important moment for them to be like, ‘Wow, this is your office and you employ all these people’. But really, I feel like every single time someone hits ‘book’ it makes me proud – especially after being on this journey for eight years. Obviously now we’re in the millions of reservations, but because I remember fighting for every one, I find it such a privilege.

Have you ever felt discriminated against as a female founder?

I can’t think of a particular moment, but I do remember in the early stages one of the hardest things was selling the product. I was pitching to a predominantly female-specific market but most of the people around the table that I was selling to were men. It just made it harder to raise money – that’s the reality of it. We need more diversity on the other side of the table and that’s really what it comes down to. I developed a really strong armour against gender discrimination in my youth and now I won’t let anyone doubt me. Sadly we do have misconceptions in the world – it happens everywhere. I just need to show them that even though I’m different, I can be exceptional at what I do. We need more role models in the world to make people look and change their minds.

How can we all ask for more?

Before you walk into any meeting or have that conversation, you need to convince yourself that you deserve it. Whether that comes down to writing out all the reasons why you deserve it or pumping yourself up, you have to believe it – that’s what it comes down to. If you walk into any room being like, ‘I’m going to do this and it’s mine’, it’s not a question and it’s not up to anyone else. Let it be already done.

What is your mantra?

There’s a quote by Robert Sherman that I live by which is, ‘Your greatest life is on the other side of your greatest fear’. I live by that all the time.

What will you never compromise on?

My time. I think time is the most important thing we have. I try not to feel guilty about how I spend my time because that, to me, is a compromise. If I want to go and do something, whether that be going to class or dance or whatever, I give myself the permission to make sure I do that. I think if you can figure out how you work and how you spend your time efficiently, it’s the best way to move forward in your life.

How do you achieve the right work-personal life balance?

You can’t. I mean honestly, in the earliest days, I didn’t. I was very okay with that. I learned to not feel guilty about it. I missed people’s weddings, I missed friends’ things, I was MIA for a while. I think all my friends knew I had this dream of something I wanted to build. I am a really mission-oriented person. Nothing over-rides mission to me. I truly believe people in your life should understand that.

What has held you back?

Sadly, the buck stops with you. I don’t mean this in any bad way, but it’s when you get stuck in your own thoughts and when you doubt yourself that stops you progressing. The world doesn’t want to doubt people. The world wants to root for you. I think it’s about being able to root for yourself as well. We all have moments when we get stuck in our heads and think, ‘Oh I don’t think I can do that’, but I’ve learned how to work my way out of that and find the right people in my life to help move forward.

What is your superpower?

My superpower is my ability to focus. Even when I was younger, I could be in the middle of a party and read a book.  And now, when I have something to solve or something to do, I just know how to do it really quickly. It’s intense and weaves into everything I do.

What has been your biggest mistake?

I really don’t believe in mistakes and I’m saying that truthfully. I believe that all failures are points that take you to the next step in your life. So I don’t really dwell too much on them – I rationalise each moment whether it was a down moment or an up moment, it’s a part of what will happen next.

What’s your typical day?

There’s no such thing as ‘typical’ in the life of an entrepreneur. I think it really comes down to knowing what hard decisions you need to make every single day and prioritising your time. In fact, I think that once you get into a typical routine, it’s actually the best way to fail. It means you’re too comfortable. I think as a leader you have to constantly be putting yourself in a new atmosphere and a new challenge which means it’s never going to be typical.

What has inspired you?

Growing up in America I sadly got made fun of a lot for being Indian, but it was a defining moment in my life. The hard thing was that I loved my culture – I have always had a love of dance and movement and all of my dancing is from the history of my ancestors. I remember starting to hide my culture from my friends – I felt like I was living two lives. And at some point, that adversity is what inspired my first company – a dance company. I thought, ‘I’m doing something so beautiful – maybe I can use that as a vehicle to show people what my culture is all about’.

How do you psych yourself up?

I love going to a class or running. To me, that is like meditation in a way. We’re around our phones and technology all the time, so I need moments when I’m away from that. It doesn’t even mean being silent but movement just helps me think better and helps my creativity. I just feel strong.

How do you celebrate success?

Celebrating with the people that made it happen. The best things in the world have never happened because of one person – they happened because of a group of people – so I think it comes down to saying thank you. But success to me isn’t an endpoint, and I say that in the sense that I don’t want to ever be done. To me, success is having another dream. And I never want to be done on that journey.

What is one change you would like to see for women?

I think everything I have learned in my journey comes down to being confident in who I am. And so that is what I would like to see for women, for men, for anyone in the world – to have that confidence and remember it’s all your choice – the environment you hang out in, the career you have, the people you work with, the work you do – it’s all your choice. And the more you know that, the more you hold your cards on what you can become. It’s not up to anyone else.

ClassPass is the leading online fitness membership and is available in five major cities across the UK, including London, Manchester, Edinburgh, Bristol and Brighton. 

The post Payal Kadakia: ‘We need more diversity on the other side of the table’ appeared first on Marie Claire.

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Why Cuomo should veto the licenses-for-illegal-immigrants bill

In a classic surprise move, leaders of the state Senate pushed through the licenses-for-illegal-immigrants bill late Monday. Gov. Andrew Cuomo has a clear duty to veto it. We know the gov had earlier said he favored the measure, but he’s plainly been having second thoughts these last few days — noting, for example, that the…
Opinion | New York Post

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

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

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This Essential Lightweight Denim Jacket Comes in So Many Colors

Denim jackets are a classic piece and we can’t ever imagine not having at least one ready to go at all times, hanging on our coat rack or in our closet. Perfect for spring, summer and fall, it’s an essential, and that’s both style-wise and comfort-wise. So how could it possibly get any better?

With colors! The Free People Rumors Denim Jacket does come in classic colors like blue and black, but it also steps way out of the box, and the risk pays off immensely! Don’t even get Us started with all of the other details. Okay, okay, please do get Us started! We’re dying to talk more about this (master)piece!

Navy
Macy's

See it: Get the Free People Rumors Denim Jacket before it sells out!

Reviewers are calling this jacket a “timeless piece,” finding themselves “wanting to wear it every day!” Denim can often be rigid, but one shopper called the cotton material “super soft,” while another raved about how the silhouette is “super flattering!” There are some secrets to this flattering silhouette, and we’re about to reveal them.

Check down at the hem, which hits at the hip, to find two adjustable waist tabs, one on each side, to actually help customize the fit of this jacket! Whether we’re looking for something more relaxed or structured, this jacket can do it all, and it’s all up to us!

Another unique detail is the seamed sleeves, which create almost a horizontal color-blocking effect around the elbow of the left arm. On the Navy version of the jacket, there actually is color-blocking, as the elbow section dips into a deeper shade of blue than the rest of material!

This unlined, lightweight jacket has a traditional front-button closure, as well as two flap button pockets at the chest. Don’t worry, there are open pockets at the sides, too! We’ll find two more buttons down at the cuffs of the long sleeves, which we can fold up if we’re feeling it. Up top we’ll find the expected point collar — an essential addition to any denim jacket!

Lilac Jacket
Macy's

See it: Get the Free People Rumors Denim Jacket before it sells out!

We already mentioned the Navy version of this jacket, which almost takes on a geometric feel, but there’s also the Denim shade if we want something with a lighter wash. Of course, there’s also Black, which features a little fade for a vintage vibe.

The more unique color selection includes the attention-grabbing Red, the gentle Light Yellow, the floral-inspired Lilac and the desert-chic Sand. There’s also Ivory for a classy neutral! Yes, denim jackets are classy now!

We would wear this jacket with, well, anything! Denim jackets are the perfect companion for spring and summer dresses, and they go equally well with jeans. Denim on denim? Oh yes. Especially when we have so many color options, denim on denim is a serious look — and a comfy one!

Slip this jacket on over a turtleneck in the fall, or drape it over shoulders with just a tank top on a breezy summer night. Layer up with hoodies or flannel shirts, and don’t forget jumpsuits! Casual sophistication at its finest.

Free People gets it right yet again with this Rumors jacket, and rumor has it that it’s our favorite piece right now. We can confirm — the rumor is true!

See it: Get the Free People Rumors Denim Jacket before it sells out!

Not your style? Check out more from Free People here and other jackets and blazers here!

 

Check out more of our picks and deals here!

This post is brought to you by Us Weekly’s Shop With Us team. The Shop With Us team aims to highlight products and services our readers might find interesting and useful. Product and service selection, however, is in no way intended to constitute an endorsement by either Us Weekly or of any celebrity mentioned in the post.

The Shop With Us team may receive products free of charge from manufacturers to test. In addition, Us Weekly receives compensation from the manufacturer of the products we write about when you click on a link and then purchase the product featured in an article. This does not drive our decision as to whether or not a product or service is featured or recommended. Shop With Us operates independently from advertising sales team. We welcome your feedback at ShopWithUs@usmagazine.com. Happy shopping!

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Kristina Rihanoff wants marriage – but not just yet

OHMYGOSSIP — Kristina Rihanoff says marriage to Ben Cohen is still “a couple of years” away.
The former ‘Strictly Come Dancing’ pro – who met the rugby star while they were performing on the 11th series of the BBC’s ballroom competition in 2013 – has two-year-old daughter Mila with her beau, but there are no wedding bells just yet.
Speaking to Hello magazine, she said: “It will probably be in a couple of years. Hopefully we’ll gather the family round and it’ll happen.”
For now, the loved up pair are focused on their work and family, and Kristina described her partner as “the best dad in the world” for their kid.
She added: “Ben is the best dad in the world. Mila is such a daddy’s girl and she’s always on the go.
“She doesn’t stop. She goes to rugby class, and also to dance and yoga with me. She’s a very active girl.”
Meanwhile Kristina, 41, previously admitted would “love” to return to ‘Strictly’ in a judging role at some point, but doesn’t feel ready to be in the hot seat just yet despite the recent exit of Dame Darcey Bussell.
She said: “Of course I would love to be a judge. But I don’t see myself in that role yet … I think the panel needs another woman and someone from a different background to ballroom dancing, someone from street dancing or a commercial dancing background, who is also a professional dancer and perhaps a judge.”
However, she believes bosses could go for an unknown dancer for the judging role because ‘Strictly’ “makes everybody a household name”.
Reflecting on Darcey’s judging style, she added: “Darcey was … a classy lady and always so very kind and true to herself in her comments. She never said something to make a headline.”

Source: celebretainment.com
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Sotheby’s to go private in deal valuing action house at $2.66 billion

The gavel has finally dropped on Sotheby’s. After six years of prodding from hard-charging billionaire Dan Loeb, the famed auction house has agreed to be taken private by French media titan Patrick Drahi — a deal that values Sotheby’s at $ 2.66 billion and ends its 31-year run as a public company. Drahi, a noted art…
Business | New York Post

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The Many Names of Luca Guadagnino

GREEN SHOOTS: What do you call Luca Guadagnino? It’s a difficult one, because the Sicilian director, producer, interior designer, entrepreneur and creative force juggles multiple projects, the latest of which is a collaboration with Silvia Fendi on the brand’s spring 2020 men’s collection.
Working on an iPad, Guadagnino created the collection’s botanical prints in between takes on his latest film “Suspiria.” He didn’t think much of them at first. In fact, he initially thought they were “stupid.” But Fendi loved the shadowy flowers, pixellated shapes and deep green leaves, using them as the centerpiece of her brand’s delightful, garden-inspired collection in Milan.
With that collection now in the books, the director of films including “I Am Love” and “Call Me by Your Name” is moving on to a range of projects including the interiors of the soon-to-open Aesop skin-care stores in London’s Piccadilly and in New York, and of a few private homes, too, through his firm Studio Luca Guadagnino.
He’s also begun work on a new TV series for HBO, which is called “We Are Who We Are,” which he’ll start shooting at the end of July, after photographing the Fendi ad campaign. Guadagnino, who was dressed Monday in a green trellis

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The Kaiser Permanente Thrive Center unveiled

  • New building will accommodate 7,200 national and Northern California Region employees and physicians who currently work in 7 different locations, and will enhance collaboration and workplace efficiency.
  • Move supports organization’s commitment to provide high-quality, affordable health care services and to remain in Oakland.
  • Design will emphasize green construction, and may include a health clinic, community meeting spaces, a showplace for locally-inspired art, and other benefits for the community.
  • Building will increase local tax revenues, create jobs, and drive economic growth in Oakland.
  • OAKLAND, Calif. – Kaiser Permanente today announced plans to construct a new headquarters — The Kaiser Permanente Thrive Center — in Oakland, bringing together staff currently in multiple locations, reducing annual operating costs, and benefitting the city that has been its home since 1945. The announcement is the latest step in the organization’s ongoing effort to deliver more affordable care and coverage while continuing its commitment to the city of Oakland. The new building, at 2100 Telegraph Avenue, is scheduled to break ground in 2020.

    “For more than 7 decades, Kaiser Permanente has been proud to call Oakland our home, and today we further strengthen our commitment to this incredible city,” said Bernard J. Tyson, chairman and CEO of Kaiser Permanente. “While allowing us to go from 7 sites to one and reduce operational costs by more than $ 60 million annually, which will create additional benefit for our members and customers, this new headquarters — The Kaiser Permanente Thrive Center — will also bring tremendous benefits to the Uptown neighborhood, serve as a thriving center for the city of Oakland, and be a collaborative workspace for our employees.”

    This new downtown Oakland building will reduce operational costs by more than $ 60 million annually, addressing facilities maintenance, inefficient utility expenses, and rising commercial real estate leases. Reinvesting these savings will advance Kaiser Permanente’s mission of providing high-quality, affordable care for its members and communities.

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    ‘Emanuel’ Explores Life After Tragic Church Shooting

    (AP Photo/Rainier Ehrhardt)

    NEW YORK (AP) — Jennifer Pinckney was hiding under a desk holding the mouth of her then-6-year-old daughter when Dylann Roof fired more than 70 shots in Mother Emanuel AME Church in Charleston, South Carolina, killing nine black worshippers.

    The new documentary, “Emanuel,” explores life after the tragic shooting on June 17, 2015, as family members, friends and the community try to heal through faith and forgiveness.

    Pinckney’s husband, the Rev. Clementa Pinckney, was one of the nine killed by Roof, who sat through 45 minutes of Bible study at the church before firing shots. Pinckney and her daughter, Malana, were in the reverend’s office when they heard gun shots in another room.

    “It brings it all back for me,” Pinckney said of watching “Emanuel,” which opens in theaters nationwide for a limited run on Monday and Wednesday . Oscar winner Viola Davis and NBA star Steph Curry are executive producers.

    It’s emotional. I can’t help but to relive what happened.”

    Roof was convicted of federal hate-crime and obstruction-of-religion charges and sentenced to death.

    Before the attack, the then-21-year-old had told a friend that he intended to kill people at the historic black church to start a race war. Emanuel is the oldest African Methodist Episcopal church in the U.S. South.

    RELATED: Church Killer Had A Note Referencing Dylan Roof

    Pinckney said she hopes the film, directed by Brian Ivie, “kind of opens people’s eyes.”

    “It’s like an awareness,” she said. “We have to get to that point where we start respecting, and showing more love and more care, and coming together, (and) becoming one unity.”

    At a bond hearing days after the attack, some of the victims’ family members offered Roof forgiveness and said they were praying for him, even as they described the pain of their losses. Emmy-winning actress Mariska Hargitay, a co-producer of “Emanuel,” was touched when she saw the way the family members reacted.

    “We’re all fascinated by people who can do things that we can’t do. I’m watching a movie (where) a group of people were loving at the highest level. You feel like these people are shamans and possessed something deeply extra, and the extra was indeed grace for me,” Hargitay said.

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    “Like everyone does in seeing a movie like this, it goes straight to the core and straight to our souls,” she said. “I experienced deep outrage and sorrow and anger and all that for those we lost. I also experienced hope.”

    The shooter killed six women and three men. Eight died at the scene, while the ninth, Daniel Simmons, died at the hospital. Then-U.S. President Barack Obama delivered the eulogy at the funeral at the Rev. Clementa Pinckney’s funeral and led the singing of “Amazing Grace.”

    Jennifer Pinckney said thanks to counseling and prayer, she and Malana, now 10, are doing OK. She also has a 15-year-old daughter.

    But Pinckney, like many other family and friends of those who died, said it’s hard moving on with life after losing loved ones.

    “We’ve already started college tours and stuff like that — kind of difficult just to think on that level, but also to think this is something that we’re doing that Clementa’s not sharing,” she said. “That he’s not physically with us.”

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    Despite her own grief and loss, she hopes the community can continue to come together.

    “You have to learn to respect each other’s differences. No two people are alike,” she said. “That’s something that I hope people will get from this (film) — to love more and get right with God.”

    [ione_media_gallery id=”693913″ overlay=”true”]

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    Ebola’s spread shows how science needs societies to succeed

    LONDON – The persistence of Congo’s Ebola outbreak and its deadly spread to Uganda in recent days show how societal issues are as crucial as scientific advances in controlling disease outbreaks, specialists in global public health say.


    Reuters: Science News

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    Comcast’s new eye-controlled channel changer sounds like something from the future

    Comcast Xfinity

    The new eye-controlled channel changer that Comcast debuted today is a futuristic-sounding marvel that will certainly make life a little more enjoyable for people with physical disabilities who can now use merely their eyes to control their TVs. The just-announced Xfinity X1 eye control feature is a web-based remote control for tablets and computers that Comcast says pairs with an existing eye gaze system and gives viewers the ability to perform tasks like changing the channel, setting a recording, searching for a show and more, all with just a glance.

    Continue reading…

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    1. Genius hid a Morse code message in song lyrics to prove Google was copying them
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    3. New leak may confirm Samsung’s massive Galaxy Note 10 redesign

    Comcast’s new eye-controlled channel changer sounds like something from the future originally appeared on BGR.com on Mon, 17 Jun 2019 at 14:58:21 EDT. Please see our terms for use of feeds.


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    Get Creative With ‘Toy Story 4’ Activity Sheets

    Get Creative With 'Toy Story 4' Activity Sheets

    An exciting new adventure is launched in Toy Story 4 when Woody (voiced by Tom Hanks) and the gang accompany young Bonnie on her family's fabulous cross-country road trip. They must take an unexpected detour, however, after Bonnie's beloved new "toy" Forky (voiced by Tony Hale) heads out on his own. Woody also has an unexpected reunion with the long-lost Bo Peep (voiced by Annie Potts), among many other challenges and surprises.

    Young people of all ages can enjoy a another…

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    Blaze erupts in office building near Vegas Strip

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

    CHARITY UPDATE:

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

    SPECIAL DONATION REQUEST UPDATE:

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

    Suit vs. Tuxedo, Part I: Style Differences

    In the broad strokes, you are probably aware that a tuxedo and a business suit are not the same thing. They are fundamentally different in terms of formality, of course. Being that a tuxedo is the second most formal of all men’s dress codes, following only the white tie dress code which features a tailcoat as well as other style elements.

    Like the white tie dress code, tuxedos are really only to be worn for special events in the evening, which is after sundown or 6 pm, whichever comes first. Conversely, a regular suit can be worn in a much wider variety of situations.

    Dan Trepanier - Brown business suit
    Dan Trepanier – Brown business suit

    How specifically does the tuxedo come to be seen as more formal than the business suit? In other words, what are the specific styling details that set it apart?

    Technically speaking, a tuxedo is still considered to be a type of suit. After all, the definition of a suit is an ensemble of which the jacket and trousers, as well as an optional waistcoat, are all made from the same material. Therefore, a tuxedo fits into this category and fittingly, it is often called a dinner suit outside of the US.

    Phrased another way, all standard tuxedos are a type of suit but not all suits are tuxedos. And why the additional clarification of “standard” tuxedos? Well, that’s because the black-tie dress code, as a whole, does have a few other permutations where the jacket and trousers of the ensemble don’t necessarily always match.

    Tuxedos vs Business Suits

    Fabric

    For a tuxedo, black wool or mohair blend is the norm, although a particularly dark shade of blue, referred to as midnight blue is also equally correct. In terms of the weave, the most common type is a fine barathea but it can also be a twill weave, a plain weave, or sometimes, a patterned weave like a fine herringbone.

    For a suit, worsted wool is most common but you can also see flannel and even non-woolen materials. Lots of summer suits are made from materials like linen. And in terms of color for suits, darker shades are most formal but the sky is really the limit in the color of suits that you can see as a whole. Obviously, something brighter is going to be less formal and you have several options for patterns as well.

    Button Stance on Tuxedos
    Button Stance on Tuxedos

    Buttoning Stance

    For a tuxedo, you can have either a single-breasted or a double-breasted model. Single-breasted tuxedos most correctly have just one button and double-breasted models will typically feature either two buttons or four.

    DB suit overlap
    DB suit overlap

    A suit can also be single or double-breasted. Typical single-breasted suits will feature two or three buttons though as few as one or as many as four or more do exist on some models. Double-breasted suits will most often have either four or six buttons.

    Younger Tom Ford in a more modern Shawl Collar Tuxedo
    Younger Tom Ford in a more modern Shawl Collar Tuxedo

    Lapel Style

    In terms of lapel style, a tuxedo will most commonly feature either peak lapels or a shawl collar. Notched lapel tuxedos are becoming more common these days but they are not traditionally seen as being correct since a notched lapel is inherently less formal than either a peak or a shawl.

    Notch lapel
    Notched lapel

    Conversely, a suit will usually feature either notched lapels or peak lapels if it is single-breasted, though notched lapels are more common, and peak lapels almost exclusively if it’s double-breasted. You are not going to see lots of shawl collars on typical suits but of course, they are out there.

    The most traditional model of tuxedo jacket: black and single-breasted with one closing button, peaked lapels with silk facings, and no rear vents.
    The most traditional model of tuxedo jacket: black and single-breasted with one closing button, peaked lapels with silk facings, and no rear vents.

    Lapel Facing

    A tuxedo’s lapels are almost always covered or faced in a different material than the main body of the jacket. Silk facings are most common these days but in 20th-century tuxedos, you would probably more often see a grosgrain facing. For a complete overview of lapel facing styles, the black tie guide has more information.

    Meanwhile, the lapels of a standard suit almost never have any type of special facing. This is usually just referred to as a self faced lapel.

    Buttons

    Also, in the same way that the lapels of a tuxedo are often faced in a different material, so are the buttons. Typically, tuxedo buttons will be faced in either plain silk or grosgrain silk, usually in line with the lapel facings. Also, on some vintage tuxedos, the buttons are not faced at all but will be made from black bone, onyx, or another material.

    Meanwhile, suit buttons are not usually faced but can be made from a variety of materials.

    The reverse of the same ensemble; note that the jacket has no rear vents.
    The reverse of the same ensemble as above; note that the jacket has no rear vents.

    Vents

    In terms of vents on the back of the jacket, a tuxedo is designed, above all, to flatter the wearer’s form as much as possible and therefore, is best suited by having no rear vents whatsoever. If a tuxedo jacket does have vents, they will almost always be double vents.

    Suit jacket vent up close
    Suit jacket vent up close

    Suit jackets can be ventless but this is increasingly uncommon today. More formal models of suits will feature the double vent and less formal models will feature the sportier single vent.

    Trevor Noah Oscars 2019
    Trevor Noah’s tuxedo features a 2×1 double-breasted jacket with peaked lapels and jetted pockets, trousers of satisfactory cut, self-tied bow tie and white pocket square, a micropleat shirt, and patent leather shoes. [Photo: Steve Granitz/WireImage]

    Pockets

    Moving now to pockets, a tuxedo jacket should feature just two hip pockets, both jetted. That is to say, decorated slits. A breast pocket is not absolutely necessary but if a tuxedo jacket does have one, just having one that is undecorated is most typical.

    Jetted Pocket
    Jetted Pocket

    A suit jacket’s hip pockets can be jetted, they can also feature flaps, or they can be exterior patches. Also, some suit jackets will have a third hip pocket referred to as a ticket pocket. A breast pocket is also typical for a suit jacket and typically matches the styling of the hip pockets, though not always.

    Typical black-tie trousers, featuring side adjusters and a silk stripe (or galon/braid).
    Typical black-tie trousers, featuring side adjusters and a silk stripe (or galon/braid).

    Galon

    As we said before, to qualify as a suit, an ensemble must have a jacket and trousers that are made from the same material. In addition to this, tuxedo trousers have a few distinguishing features of their own. Most notable is the braid that runs down the exterior of each leg, sometimes referred to by the French word “Galon“. The braid can be plain satin, actual braided cord, or something that matches the facing of the lapels. Meanwhile, standard suit trousers usually don’t have special detailing on their outside seams.

    To learn more about black tie terminology, please check out this glossary.

    Adjusters / Belt Loops

    Tuxedo trousers will most commonly feature buttons sewn on to the inside of the waistband to accommodate suspenders, alternately called braces. However, some more modern models of tuxedo trouser will also feature side adjusters or will feature adjusters in place of those suspender buttons. One common denominator for tuxedo trousers is that they should not really feature belt loops. Wearing a belt with a tuxedo would be a clash in formality and generally, just would not be appropriate.

    Navy pants with inward pleats worn with suspenders for a smooth look
    Navy pants with inward pleats worn with suspenders for a smooth look

    Meanwhile, suit pants can certainly have belt loops and be worn with a belt and they can also feature side adjusters or buttons for suspenders. On a related note, we recently covered the question of whether a man must always wear a belt with looped trousers in our video on 11 bad men style rules to ignore.

    Pleats

    In terms of pleats, tuxedo pants and suit pants are fairly similar. In that pleating is the more traditional option but you are also perfectly able to wear flat fronted styles. The choice here is yours.

    Black Patent Leather Oxford Shoes Black Tie
    A pair of black patent plain-toed oxfords, with evening shoelaces paired with a tuxedo in midnight blue.

    Cuffs / Turn – ups

    For tuxedos, as well as for white tie and morning dress, trousers should never feature turn ups or cuffs as they are simply too informal of a styling detail. On the other hand, suit trousers can have or not have cuffs and it is completely up to the wearer’s individual preference.

    Waist Covering

    Single-breasted tuxedos should always be worn with a waist covering of some kind. Although it is more popular today to see celebrities wearing just a jacket and trousers a single-breasted tuxedo ensemble, this is poor form. Why? Because more likely than not, if you are wearing a single-breasted tuxedo without a waist covering, you are going to be able to see a little bit of your shirt peeking out from under the buttoning point of your jacket. Visually dividing your torso and compromising the ideal silhouette that black tie was designed to provide.

    A cummerbund or other waist covering would have taken Paul Rudd's midnight-blue, shawl-collared tuxedo from good to great. [Photo: Frazer Harrison/Getty]
    A cummerbund or other waist covering would have taken Paul Rudd’s midnight-blue, shawl-collared tuxedo from good to great.

    With that said, the traditional waist covering for a single-breasted tuxedo is either a cummerbund made from silk to match the lapel facings or a low cut black evening waistcoat. There is a historical precedent for wearing the white waistcoats that go along with white tie to tuxedos but this a bit more of a vintage-inspired look so that is something you should be aware of. A cummerbund is best suited to a shawl collar type of tuxedo jacket but it can also be worn with peak lapels.

    The cummerbund is the more popular waist covering option in America. Also, keep in mind, that your jacket should always be buttoned while standing when wearing a cummerbund and you can unbutton it when seated.

    This black-tie waistcoat is a backless model, and features four polished buttons, a matte wool body with self-faced lapels, and two jetted pockets.
    This black-tie waistcoat is a backless model, and features four polished buttons, a matte wool body with self-faced lapels, and two jetted pockets.

    Meanwhile, the waistcoat is more suited to peak lapels but can also be worn with either style. It is more popular in Europe and it should be worn with an unbuttoned jacket. Waist covering are traditionally not worn with double-breasted tuxedos as those jackets are designed to remain closed at all times.

    Vests help to change the look of your existing wardrobe
    Vests help to change the look of your existing wardrobe

    Turning to standard business suits though, single-breasted models can be worn equally correctly as either a two-piece or three-piece ensemble and if a waistcoat is worn, it can either match the fabric of the jacket and trousers or be worn in a contrasting fabric in which case it would qualify as an odd waistcoat. And while there was a time in the late 19th and early 20th centuries, waistcoats were still worn with double-breasted suits, that is really no longer the case today.

    Hugo Boss Plise tuxedo shirt with fly front
    Hugo Boss Plise tuxedo shirt with fly front

    Shirts

    A tuxedo shirt follows a specific set of guidelines and it should be as follows. Made from a white fabric and featuring either pleats, a hidden fly front, or in a weave called pique or Marcella. It should feature holes for shirt studs typically either three or four and should also have French cuffs, also called double cuffs to accommodate cufflinks. A tuxedo shirt should feature a standard turndown collar.

    While black tie did once share the wing collar style with white tie, most sartorial authorities today agree that the wing collar is best left to the white tie dress code and that the softer turndown collar, pioneered by the Duke of Windsor, looks better with black tie. This is similarly the case with starched fronts and single link cuffs. While they were historically worn with black tie, today, they are best reserved for the apex of elegance that is the white tie dress code. Meanwhile, a shirt to go with a standard suit has almost limitless options in terms of color, cuff, and collar styles, button styles, and so on.

    Neckwear

    In terms of neckwear, a tuxedo requires a black self-tied silk bow tie to match the lapel facings. After all, the dress code is called black-tie for a reason. A black silk long necktie has become a popular alternative in recent decades but really, it has the overall effect of making the ensemble look less grand. For a video on how to properly tie a bow tie, you can go here.

    To find the right bow tie for your face shape take a look at this video.

    Meanwhile, your options for ties to be worn with suits are similarly quite varied. If you are wondering how to select and pair a tie with your suit, you can take a look at these videos on finding the right colors for your skin tone and how to use the color wheel to build outfits effectively.

    Patent Leather Opera Pumps with Satin Bow, Black Silk Socks and double galon stripe
    Patent Leather Opera Pumps with Satin Bow, Black Silk Socks and double galon stripe

    Footwear

    Turning to footwear, you’ve got two main options for a tuxedo. Conservatively styles oxford shoes, be they cap-toed, plain toe, or whole cut, or formal evening shoes also called court shoes or opera pumps. As you might well imagine, pumps are the most traditional option but oxfords are the one most commonly worn today. In either case, your footwear must be black and it should be made of either patent leather or highly polished calfskin or cordovan. Shoes for suits are as you might have guessed, are more highly variable.

    These over-the-calf socks in black silk from Fort Belvedere will properly complement any black-tie or white-tie ensemble.
    These over-the-calf socks in black silk from Fort Belvedere will properly complement any black-tie or white-tie ensemble.

    Socks

    In term of socks, black silk in an over the calf length is best for a tuxedo. For socks to be worn with suits, you have got more options, and you can learn more about them here.

    Art Deco Engraved Rock Crysteal, Platinum and Diamond Full Dress Set with cufflinks, studs and waistcoat buttons by Krementz from the collection of Sven Raphael Schneider
    Art Deco Engraved Rock Crysteal, Platinum and Diamond Full Dress Set with cufflinks, studs and waistcoat buttons by Krementz from the collection of Sven Raphael Schneider

    Accessories

    Harmonizing black, gold, silver, or mother of pearl studs and cufflinks go well with a tuxedo, unless, of course, you are wearing a fly front shirt, in which case, you’ll just need the cufflinks and studs won’t be seen. You can also wear studs and links featuring precious gems but these are definitely a flashier choice. Your standard business shirt is not going to take studs, of course, but it can certainly take cufflinks.

    Suspenders / Braces

    The suspenders or braces worn with a tuxedo are most properly made from either black or white silk. Of course, though, since they are not really going to be seen by anybody other than you, you can feel free to wear something a little bit more playful if you would really like to. If you are wearing suspenders with your suit, the sky is the limit.

    Pocket Square

    The traditional pocket square for a tuxedo is one made of plain white linen. White silk is also acceptable and if you are looking for a way to add a subtle pop of color to your tuxedo, using a pocket square is a great way to do this. Meanwhile, pairing your pocket squares with your suits is similar in function to how you would approach it for ties. Which is to say, just pay attention to how things are harmonizing in terms of both color and overall level of formality.

    Boutonniere

    Finally, a carnation in either red or white is the most traditional boutonniere of choice for a tuxedo although you certainly could choose another flower of similar elegance, just so long as you make sure to keep it to one flower and not the miniature bouquets you will often see at weddings. For suits, stick to just one flower and make sure your colors are harmonious.

    CONCLUSION

    While a tuxedo is technically speaking, a type of suit, its specific styling details set it apart from its business level brethren and give it an additional touch of elegance. As such, the considerations for wearing a tuxedo vary greatly from that of a standard business suit. Stay tuned for the second part in video series where those considerations will be discussed in greater depth.


    Gentleman’s Gazette

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