WWE star Paige on sex tape humiliation: ‘I don’t wish that for anyone’

She was once one of the biggest stars in the pro wrestling business, but by 2017, she had become depressed and nearly suicidal. She locked herself away from the public and her family. She became sickly and was treated for anorexia. Her hair started falling out. But a chance encounter with a young fan at…
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“Unbreakable Kimmy Schmidt” star Tituss Burgess has the whole work-life-balance thing down. Ever since the Athens, Ga., native came to New York more than a decade ago, he’s worked steadily, onstage and off. You’ll next see him as a psychic in the comedy “I Hate Kids,” out Jan. 18. But once Saturday hits, he turns…
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The Financial Movement for Anyone Who’s Sick of Working 9 to 5

The typical road to retirement looks like this: Graduate college. Get a job. Get promoted. Get raises. Buy a house. Fill it with stuff. Work for at least 40 years to pay for the stuff.

Then you retire and finally have time to do all the things you’ve been dreaming of… if you have the money to do them.

For many people, this path has lost its appeal, and they’re turning toward a different one.

It’s called financial independence, or FI for short.

Financial independence is having enough wealth to live on for the rest of your life without the need for traditional employment.

That usually means you can live off your investments, but as FI gains popularity, people have included passive income, real estate, and even freelance and part-time passion projects into it.

People who pursue financial independence have decided their time is worth more than their money. And they’re willing to make sacrifices to have more of it.

In the early ’90s, friends Joe Dominguez and Vicki Robin capitalized on the concept of valuing time over money. They hosted talks during which they asked people to consider how many hours of work something costs them instead of just thinking of the cost in terms of dollars. They turned those talks into the best-selling book “Your Money or Your Life.”

Over a decade later, blogger Pete Adeney, also known as Mr. Money Mustache, further popularized financial independence by equating it with early retirement. Adeney and his wife practiced extreme frugality to save 66% of their incomes as software engineers. They retired with a paid-off home when they were both 30.

Nowadays, the goal of FI-seekers is to save enough in investments and lower their expenses to the point where they can live off passive income without the need for paid employment.

Why This Couple Is Sacrificing Now

A man and woman work out.

Shane Courtney discovered FI from Mr. Money Mustache, though at first he didn’t put his extreme practices into action.

But by October 2017, Shane had been working nights as a diesel hydraulic mechanic for over a decade, and he began to consider financial independence again.

“Only being able to see my wife on Saturday and Sunday was probably the biggest driver of trying to figure out something different,” he said.

So he looked for other stories of people pursuing FI. He found the financial independence subreddit, where people of various ages, locations, incomes and professions share the ways they’re trying to escape traditional employment.

Shane, 33 at the time, and his wife, Melissa, 32, realized that without kids they could reach FI and retire early at 50 to fulfill their dream of moving to the Pisgah National Forest in North Carolina.

Their first steps were deciding how much they’d need to spend in retirement and how much to save to get there.

The Courtneys make a combined income of $ 160,000, and they would like to live off of $ 45,000 to $ 50,000 per year in retirement. For their investments to produce that much growth every year accounting for inflation, they estimate they’ll need to save $ 1.25 million.

To lower their expenses, Shane and Melissa cut out most of their recurring bills aside from their mortgage, utilities and internet.

Shane had a car he loved, but it got horrible gas mileage and had dropped significantly in value. It was too expensive for Shane to justify keeping, even though as a mechanic, he’s passionate about cars.

They’re also planning ways to save after they reach financial independence. Going to the grocery store is easy now in their suburban Tampa, Florida, neighborhood, but they’re learning new skills to be more self-sufficient in North Carolina.

Melissa is taking canning classes, and Shane has learned to make sourdough bread. “It’s so much cheaper than buying bread,” he said.

And they’ll start to look at properties near Pisgah National Forest soon, in hopes of buying land and paying it off before they start building their house in five years. They plan to move into a mortgage-free home when they retire.

Reaching financial independence isn’t just about raising your income and lowering your spending. It takes a lot of grit and perseverance to do something so wildly different from your peers for such a long time.

But their vision for the future drives their day-to-day decisions. Shane sees himself riding mountain bikes around Pisgah, and Melissa dreams of being able to rescue and foster animals.

How to Save For Financial Independence

So once you’ve calculated how much you need to save and you’ve cut your expenses in order to save it, where is this money going?

The easiest and most common way is to invest it in retirement accounts. The Courtneys max out two Roth IRAs, one 401(k), contribute to a second 401(k) and max out a family HSA. They put these savings into low-cost index funds.

But there are alternatives. Chad Carson, aka Coach Carson, used creative financing to purchase duplexes and single-family homes and his own money for renovations. His portfolio generated enough passive income for him to become financially independent in his 30s.

And Michelle Schroeder-Gardner created a blog and online course that generates more than enough passive income for her to travel full time in her 20s.

And then there’s the hybrid approach, sometimes referred to as “Barista FIRE”: This is when you save enough to cover some expenses in retirement and work part time at a job you love — hence the name “Barista” — regardless of what it pays to cover the rest.

Even if they don’t need to, Shane plans to coach CrossFit and Jiu-Jitsu to supplement their income, and Melissa may earn money doing animal rescue.

The supplemental income is also helpful in times the stock market doesn’t produce as much growth as planned.

… but What if You Don’t Make Six Figures?

Sure, Shane and Melissa have great incomes. He’s been a diesel hydraulic mechanic at the same company for over 10 years, and she’s an accountant. They can afford to save a large portion of their money.

But most of us aren’t making six figures, even in two-income households.

So what options are there for the rest of us? Fortunately, investment growth isn’t the only passive income option to reach financial independence.

Passive income from an online business, royalties from creative works like art or music, rental properties or a number of other sources can provide non-employment income and lower the amount you need to reach FI.

In 2016, Jonathan Mendonsa and Brad Barrett started the Choose FI podcast. They talk about complex and intimidating financial independence topics twice a week and make those topics understandable for a broader audience.

They highlight entrepreneurs who build passive income streams to escape traditional employment, early retirees who work part-time jobs to get out of the house or supplement their income, and people who downsize homes and cars to cut their fixed expenses.

FI-seekers stack these strategies on top of one another to optimize what they have to work with.

FI is often dismissed as unattainable for average income earners. But while saving a significant portion of your income is difficult, the math shows it’s possible for more people than you might think.

Take a 25-year-old single person who earns $ 30,000 and wants to live off of $ 30,000 per year in retirement. Even if they have nothing saved for retirement, they can become financially independent at 52 if they max out a Roth IRA during their working years and earn average returns of 8.1%.

A couple in their 30s bringing home a combined income of $ 70,000 per year with $ 0 saved for retirement can become financially independent in just over 16 years under the same market conditions if they stay within a $ 40,000-per-year budget (including in retirement).

These scenarios aren’t as sexy as retiring at 30, but they show that with perseverance and focus, financial independence can be achieved at a diverse range of incomes, ages and marital statuses.

Even if pursuing financial independence doesn’t result in everyone retiring at 30 or even 50, no the movement is motivating people to open up about their finances and save a little extra every month.

And that’s never a bad thing.  

Jen Smith is a staff writer at The Penny Hoarder. She gives money-saving and debt-payoff tips on Instagram at @modernfrugality.

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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A North Pacific Purple and Red Sends the West Coast Solid Swell This Week, Anyone Taking A Sick Day?

The West Coast and Hawaii are in for an early Christmas!

“The North Pacific continues to impress as we inch closer to halftime in December. Hawaii gets a good-sized dose of NW swell midweek, however, strong trades have been a persistent annoyance — when will they relax enough for you to enjoy the surf?

Meanwhile, Northern and Central California continue their run of sizeable surf but with varying winds this week. What day (or hours) is your zone are looking best to paddle? Further downstream, Southern California gets in on the action to start the week” – Surfline 

For constant swell and weather updates, follow Surfline and their social media listed below.

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Twitter @surfline

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Kevin Hart’s Out At The Oscars – But Does Anyone Else Want The Job?

LOS ANGELES (AP) — The “most thankless job in town” just got even more difficult.

The Oscars have a longstanding host problem, but Kevin Hart’s swift downfall over old anti-gay tweets has led to bigger questions about the gig and the liability of social media histories.

It’s just the latest controversy for the organization that puts on the Academy Awards, which is trying to combat declining ratings for its marquee event while weathering the pressure of being a focal point for the shortcomings of the entertainment industry as a whole.

“I think it’s embarrassing,” Matthew Belloni, the editorial director of The Hollywood Reporter, said about the academy’s decision to pick Hart. “It shows that they either didn’t vet this host properly, or they did vet him and didn’t think this would be an issue. And both are a little troubling.”

Hart seemed to fit the bill for what the academy was looking for.

“He checks all the boxes for a show like the Oscars,” Belloni said. “He’s a legitimate movie star. He’s a funny guy and can handle the stand-up element of the show. And he has a gigantic social following. And to the academy, that’s important. They want someone who can bring a new audience to the show.”

But Oscars hosts have always been subjected to a lot of scrutiny.

Poor or even mediocre performances can haunt people for years (Anne Hathaway and James Franco). Off-color jokes have a way of festering in the cultural consciousness (think of Seth MacFarlane’s “we saw your boobs” song, or Chris Rock’s Asian jokes). And even when things go decently enough, everyone is handed the right envelope and nobody walks away offended, the hosts can still be blamed for poor ratings.

“Oscars host has become a not very desirable job in Hollywood. Very few people see an upside,” Belloni said. “You put a huge target on your back.”

People have stepped down from being the public face of the event amid controversy, as producer Brett Ratner did in 2011 for anti-gay slurs. But Hart’s case is a little different. Ratner’s offensive remarks came after he had secured the gig. Hart’s tweets were from almost a decade ago and were well-known.

But in 2018, an unsavory social media past can cost someone their job. Just this past summer, the Walt Disney Co. fired director James Gunn from the third “Guardians of the Galaxy” movie for old tweets in which he joked about subjects including rape and pedophilia. As with Hart, the problematic tweets were amplified by social media outrage.

Immediately after Hart was confirmed as host on Tuesday night, some journalists began tweeting reminders of Hart’s past comments. By Thursday morning, a few publications had written articles about them. The outrage escalated, Hart commented but did not apologize, stoking even more outrage, which culminated with Hart’s announcement on Thursday night that he was stepping down as host of the 91st Academy Awards.

As the dust settles, the situation has proved vexing for some in the entertainment business. Actor D.L. Hughley commended Hart for his decision.

“A Comedian says something that offends people and refuses to apologize?” Hughley tweeted. “(Expletive) ’em if they can’t take a joke! Well done #KevinHart.” Snoop Dogg posted an even more colorful Instagram video in support of Hart.

The advocacy organization GLAAD wishes Hart hadn’t stepped down, however.

“Hart’s apology to LGBTQ people is an important step forward, but he missed a real opportunity to use his platform and the Oscars stage to build unity and awareness,” said GLAAD President and CEO Sarah Kate Ellis.

The film academy has yet to address Hart’s departure. Hart said the film academy told him he had to apologize or he’d lose the gig. He bowed out on his own, and with an apology.

Now everyone has an opinion about who should be named host. A woman? A comedian? Not a comedian? Someone in the LGBTQ community? All of the above?

Many keep coming back to Whoopi Goldberg, who has hosted the awards four times. Some have said Ellen DeGeneres, who hosted one of the Oscars’ highest-rated shows, or Tom Hanks, who has a longstanding academy relationship.

Others have said Keegan Michael-Key and Jordan Peele, Will Smith or Lin-Manuel Miranda. Busy Phillips threw her own name out there (“I AM AVAILABLE,” she tweeted). Philips also proposed Issa Rae, Sarah Silverman, Ali Wong, Samantha Bee, Robin Thede and Aisha Tyler, or “any other woman working in Hollywood right now who wants to.” Stephen King suggested Patton Oswalt (He’s “funny, sharp-tongued, and he knows film,” King tweeted.) Some have even proposed Philadelphia Flyers mascot Gritty. Or no host at all, which has been done several times before, and as recently as 1989.

But the film academy will need to move quickly. The 91st Oscars are less than three months out.


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No Glue Gun Needed: 7 Last-Minute Halloween Costumes Anyone Can Make

Costume parties in and of themselves seem like a great idea.

That is, until you realize that you’re about to spend $ 50+ and countless hours of work on an outfit that you’ll wear once before shoving it deep under the bed with the rest of your one-hit-wonder Halloween ensembles.

And while I always try to be frugal (because despite my over-the-top holiday enthusiasm, I’m still a Penny Hoarder at heart), I’m also pretty lazy when it comes to Halloween costumes.

I always think I’m going to go all out and DIY my costume, but then every year, without fail, I end up running to the store at the last minute and spending a lot of money.

There has to be a better way to go about this whole costume business — a way that, ideally, won’t cost any money at all.  

Shop Your Closet for Halloween Inspiration

If your aim is to wear a completely free (we like free!) costume on Halloween, start with your closet. Chances are you already have a few costume options lurking in the dark recesses of your wardrobe.

I mean, there’s gotta be a reason you didn’t throw out that Hawaiian print shirt from the summer of ‘92 yet, right?!

I started brainstorming a few costume options that I could make from just the pieces I could find in my closet, and I think they are all pretty doable.

7 Last-Minute Halloween Costumes You Can Find in Your Closet

I managed to put together seven great options that I could wear to a Halloween costume party — using only things I already owned.

1. Tourist

 

Grace Schweitzer shows off a last-minute DIY tourist costume for Halloween.

This one might be the easiest costume on this list to pull off. I mean, who among us doesn’t have a pair of shorts, a brightly colored shirt and some tacky socks you can pair with sandals?

Slap on a straw hat or visor and some sunglasses and grab a camera or a map and you’re ready to go. A sunscreened nose will only make your costume more realistic (although a little messy).

2. Fortune Teller

 

Grace Schweitzer shows off a last-minute DIY fortune teller costume for Halloween.

For this one, you’ll need drapey, flowy clothing, a scarf or headband and lots of stacked jewelry (never enough jewelry). If you’re not totally convinced that your costume is convincing, carry around a prop like a Magic Eight Ball (or a plain glass orb, if you just so happen to have one lying around) and make vague but ominous statements all night about how your friends’ Mondays will go.

3. Minion

 

A woman wears a DIY minon Halloween costume.

Overalls were like the parachute pants of 2017: You either own three pairs already, or you’re desperately looking for an excuse to add them to your closet. Go ahead, I won’t tell anyone you didn’t actually already own these babies. Add in a yellow shirt (any shade will get the point across), black shoes and gloves and a pair of round glasses or goggles (find an awesome DIY tutorial here), and you’re all set to annoy the living daylights out of everyone at the party.

4. Pinup Girl

 

A woman dresses up as a pinup girl for Halloween.

High-waisted shorts + a button-down shirt + wedges + red lipstick + bandana = perfect pinup girl. Follow a YouTube tutorial like this one to achieve that flawless pinup hair curl (I promise, it’s actually so much easier than it looks), and you’re ready to make old-fashioned gentlemen swoon.

5. Witch

 

A woman dresses up in a DIY witch costume for Halloween.

This costume is less classic witch and more witchy-esque. I mean, does anyone just casually own a pointy hat?

No matter: Throw on lots of black layers, add some dramatic makeup, frizz up your hair and add some drippy black jewelry and no one will even question your costume (mostly out of fear). Bonus points if you’re willing to carry a broom around all night.

6. Zombie

 

A woman dresses up as a zombie for Halloween.

This one doesn’t take a lot of… wait for it… brains to figure out. (I know, I know. I already docked me three whole funny points.)

But seriously, all you need is holey, grungy clothes: ripped jeans, an old work shirt, a plaid button-up and a pair of dirty sneakers. This will either read as zombie or “midnight Taco Bell run” depending on how you accessorize — which is why you can’t skip the makeup.

Use dark eyeshadow around your eyes and under your cheeks, rat your hair and add some twigs and leaves and you’re good to go.

7. Greaser

 

A woman dresses up as a greaser for a DIY Halloween costume.

This one’s a classic, and honestly if you try to tell me you don’t own a white T-shirt and leggings or jeans, I won’t believe you.

Tie a scarf around your neck, slip on a pair of sneakers or wedges, throw a jacket (denim, leather or bomber) over your shoulder and you’re good to go.

Bonus: This one makes for an excellent couples costume, too.

Trick or Treat!

Assuming you own at least a pair of jeans and some dark makeup, I’d say we’ve just about solved your last-minute costume woes.

Now you officially have no excuse for not showing up to the party in a costume that could shock Frankenstein’s monster to life.

Grace Schweizer is an email content writer at The Penny Hoarder. She’s just trying to figure out if there’s a way to combine all her best costume ideas into one. Is there such a thing as a fortuwitcheaserpinuzombieist?

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

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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259 people have died taking selfies – but that won’t stop anyone from taking risks to get that perfect snap

Vanity is killing us.

A man in Maryland narrowly avoided death Sunday after falling into the Potomac River while trying to snap a selfie in front of wild floodwaters. He was thankfully saved by onlookers, but accidents and deaths by selfie are far from rare.

Last month, an Italian teen fell off…

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