GM Turns To Profit In Q4; Results Beat Estimates

General Motors Co. on Wednesday reported a profit for the fourth quarter, compared to a loss in the year-ago period that included a non-cash charge related to the U.S. tax reform. Both revenue and adjusted earnings per share for the quarter beat analysts’ estimates. The automaker’s shares are rising almost 4 percent in pre-market activity.
RTT – Earnings

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‘Fosse/Verdon’ has a Broadway heartbreak beat

THE love story of mercurial Broadway choreographer and Oscar winning director Bob Fosse and his wife, four-time Tony winner Gwen Verdon, will dance onto TV screens April 9. Their romance, told in the FX miniseries “Fosse/Verdon,” is the stuff of Broadway legend. Verdon was the most celebrated dancer of her time, winning four Tony Awards…
Entertainment | New York Post

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Procter & Gamble Q2 Profit Up 28%; Results Beat View

Consumer goods giant Procter & Gamble Co. on Wednesday reported a 28 percent increase in profit for the second quarter from last year, when results were impacted by a charge related to the U.S. tax reform. Both revenue and core earnings per share for the quarter beat analysts’ estimates. Looking ahead, the company affirmed its outlook for fiscal 2019 earnings.
RTT – Earnings

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Retailers can manipulate consumer regret to beat competitors

Markdown retailers can survive the entry of an everyday low price retailer into a highly competitive market by manipulating price, product availability, and the regret consumers feel when they pay too much or wait until a product is unavailable to decide to buy it, according to a new study. The results explain why markdown pricing remains ubiquitous in spite of the simplicity and marketing and operational advantages of everyday low pricing.
Consumer Behavior News — ScienceDaily

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Steve Hilton: Mattis, Kelly marched to the establishment beat. Trump was right to fire them

Gens. Mattis and Kelly may have been heroes in combat – I don’t know, I’m not a military man and can’t judge. But I do know something about civilian government, and the way they behaved was not just disgraceful, but frightening.
FOX News

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4 Common Obstacles to Making a Useful Budget — and How You Can Beat Them

Like New Year’s resolutions and fad diets, budgets seem destined for failure.

How are you supposed to allocate every dollar of every paycheck without hiccups or unexpected expenses? Can you stick to a budget and still have fun?

There’s one thing that so many budget experts skip mentioning: There’s not a single perfect budget template to rule them all. Every person’s financial situation is different, so there can be many correct budgets.

Now that you’ve had that pep talk, you need to find the budget that works for you. It’s not just about choosing between apps and paper and pencil. It’s about cultivating a habit that supports your financial goals.

But it’s hard to get to the healthy-habit philosophy if you’re stuck trying to figure out what’s coming in and out of your bank account each month or how to plan for your wacky billing schedules.

We’ve got answers for that. Read on for some basics and advice for tackling four major budgeting obstacles you’ve probably already encountered.

How to Find the Right Budgeting Method for You

Your biggest budgeting problem may not have anything to do with your income, spending habits or savings goals; rather, it’s that you haven’t found the right budgeting method for you.

With so many online templates, apps and blogger-designed financial planning tools, the search for the perfect budgeting method for your needs can take longer than you hoped. Here’s how to brace yourself for the inevitable trial-and-error process.

Start With Info You Already Have

Start your budget with what you already have: bank statements

Whether you’re downloading the app your friend recommended or trying to pick the perfect notebook to track your budget by hand, you can take a few steps to increase your chances of budgeting success.

“Before you actually sit down to make a budget, print out the last two or three months of statements from your credit and debit cards,” Bridget Todd, COO of The Financial Gym, says. “Go through and categorize everything.”

You can export your statements to a spreadsheet or use highlighters on printed statements. Doing this helps you see patterns in your spending in the categories that fit your life — not just the categories your old copy of “Budgeting for Dummies” suggests.

“So many people track spending but don’t use that information,” Todd says. “What are you spending money on now? Where is there room for improvement?”

Let It Percolate and Adjust as Needed

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 says. “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.

“Budgets can be flexible,” Tonya Rapley, founder of My Fab Finance, says. “Give yourself space to adjust as needed. Pick it up and use it whenever you remember.”

You only really need the parts of a budget method that serve you and your plans for the future. Todd doesn’t like to think of a budget as a money diet, but rather as a place for goal setting.

If she’s working with you on your budget, she says, “You’re going to save every month, then pay your fixed expenses, and then I don’t care what you spend your money on — as long as you meet your savings goals.”

Feeling motivated to set up your first budget or revive your abandoned one? Get ready to face these money issues that can trip up even the most confident budgeters.

How to Overcome 4 Common Budgeting Obstacles

These four budgeting obstacles can trip up even the most determined budgeter.

1. Weird Pay Schedules

Weird Payday Schedules can conflict with your budget

Monthly, twice monthly, biweekly — all you really want to know is when you get your money and how long it’s going to last.

Getting paid biweekly can throw off your budget when you come across a three-paycheck month. “That magical third paycheck usually means that something is going to be wonky elsewhere,” Rapley says. “It means you might not get paid until the middle of the month the following month.”

Todd suggests pretending you get only 24 paychecks so the occasional bonus paycheck doesn’t throw you off. She advises her clients to “identify the month the third paycheck hits and try to save that entire paycheck or devote it to paying down debt.”

If you have extra money in your checking account, that wonky third paycheck may not faze you at all. Karabaic suggests building up a buffer of about one month of expenses and leaving it in your checking account.

While it can take a while to build up that buffer — she says the average time is seven months — it’ll help you avoid overdraft fees and weird pay-schedule surprises.

2. Irregular Income

If you don’t rely on steady paychecks, it’s hard to determine how much money you’ll actually have on hand in a given month.

If you’re a server, bartender or other professional who relies on tips for much of your pay, we like bar manager Jeff Morrison’s system of figuring out your income.

Morrison recommends tracking your income after tipping out other staff. Total your income for 10 weeks, then divide by 10 to get your average weekly income.

It’s not a perfect science, but it can help you figure out what to put on the “income” line in your budget. Tip-based workers can find more info on how to budget in this post.

If you’re a freelancer or one of the 33% of Americans involved in the gig economy, Todd recommends backing into the amount you need to live on by evaluating your monthly fixed expenses. Include line items like rent, utilities and debt payments, but don’t forget to work in a savings amount — Todd says it should be at least 10% of your gross income.

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 Karabaic, who tries to increase her income by 10% each quarter. “It’s a good way to check on the health of your business.”

3. Irregular Expenses

Irregular Expenses can conflict with your budget

What about expenses that don’t come on a regular monthly basis? We’re talking your twice-yearly car insurance. Your subscription to a pricy trade publication or professional association. That dental crown you know you should get replaced sooner rather than later.

First, tally up those annual or twice-yearly expenses. It can help to keep these in a separate list or spreadsheet than your actual budget, as the list may change as you keep or drop subscriptions, or remember additional expenses.

Then it’s a matter of adding up those expenses and dividing by 12 to find out how much they cost each month. “You might open a separate bank account for your annual expenses,” Todd suggests. “Then when the bills come, you don’t have to adjust your spending. It’s similar to saving for Christmas shopping” throughout the year, she says.

It can also help to earmark cash for expenses you know will crop up eventually. Karabaic calls hers “a wish farm: categories for things I want or feel like I should be saving for.” They’re not necessities or the highest priorities, but she says it takes the panic out of making those purchases.

“Cellphone replacements are a huge one. Glasses,” she says, adding the laptop she drowned with coffee to her personal list. If money’s tight this month, maybe you don’t contribute to the wish farm, Karabaic says. “But if you’re feeling flush, you can take care of future you.”

Once you start saving for irregular expenses, Rapley advises to plan ahead to anticipate them. “Set calendar reminders for two months before it’s due, then one month until it’s due, two weeks until due. Don’t let these expenses take you by surprise. A reminder on the day it’s due isn’t enough.”

4. So Many Due Dates

This one’s easy: 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 ask to have them adjusted.

“If you’re a responsible credit user, [credit card companies are] very flexible, and you have some control,” Todd says. “It might mean you pay two bills in one month, a regular one and a small one,” while your billing cycle adjusts.

Utility companies are similarly flexible, and you can ask your internet and cellular providers, too.

“Don’t change your due date to the first” for anything, Rapley says. “You usually have a mortgage or rent due then, so space it out.” But she says that if you have the money for a bill ready before your due date, go ahead and pay it. “You don’t always have to wait until the payment date.”

Lisa Rowan is a senior writer and producer at The Penny Hoarder.

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

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Teens open up on sex to beat ‘toxic’ masculinity

An all-male group urges young men to look beyond traditional gender roles. It aims to tackle toxic masculinity in South Africa.


CNN.com – RSS Channel – Health

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Cardi B’s Producer, Other Top Producers, Host Music Beat Auction

We’ve heard of silent auctions, but this is a new one. Top producers in music have gotten together to host a private Beat Auction giving the opportunity to upcoming and established music professionals to acquire high-quality compositions that are not easily accessible otherwise. Some of these producers include Zaytoven, one of the most sought-after producers in hip-hop; Drumma Boy, a popular Atlanta notable; J White, the man behind most of Cardi B’s productions; AnonXmous, known for hits like “Anaconda” by Nicki Minaj, and a slew of others. The Beat Auction was hosted by Atlanta’s own, Dj Holiday.

Cardi B

Atlanta Beat Auction ((Image: TMI Worldwide)

The evening unfolded with each producer showcasing their beats to a room full of ready and waiting auctioneers. Bids started at $ 300 and went as high as $ 1200. This is incredible considering the prices of beats from this caliber of individuals can typically range from tens of thousands of dollars upward and many times include royalties on an artist’s album that keeps them getting paid long after they’ve handed over the beat.

So why a beat auction?

“After years of working within the music industry, I have come across countless talented artist with promising potential,” said Khady Thiam Gueye, founder and CEO of TMI, and the creator of the concept. “Often times the only thing standing in their way of a hit record is quality production. A lack of resources has forced many artists to settle for mediocre, overused beats from either YouTube or beginner producers. I knew we had to bridge that gap and provide artists with the opportunity to catapult their music careers through industry standard, exclusive compositions from legendary producers.”

Cardi B

Khady Thiam Gueye, founder and CEO of TMI Worldwide and creator of Atlanta Beat Auction (Image: TMI Worldwide)

The overall goal is to ultimately revolutionize the way hit records are created. As the team continues to host Beat Auctions across a global platform, they foresee international collaborations leading to billboard topping records. By widening the door of opportunity, they anticipate a wave of new mainstream artists, as well as sensational emerging producers whose talents would otherwise go unnoticed.

All proceeds went to “Music Education Group” a group formed to bring music, film, and digital music based education to underserved youth.

 

 

The post Cardi B’s Producer, Other Top Producers, Host Music Beat Auction appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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Could an Alabama Team Under Nick Saban Beat an NFL Team? Several Former Players Think So

It’s long been debated whether or not Alabama’s dominant teams could hold their own against the professionals, so we posed the question to several former Bama stars currently in the NFL—and while some remained measured, others are fully confident in their college coach’s ability.

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Want to beat the Christmas rush? Here are key shipping deadlines for the holidays

With the annual holiday shopping frenzy here, those of us who would rather shop online than brave long lines in chilly temperatures need to be aware of key ordering dates for the holidays.

The stakes are especially high this holiday season. Online spending this holiday is expected to see a nearly 15% increase to $ 124 billion, according to a forecast by Adobe Analytics, a company that tracks transactions from top retailers.

Ordering gifts in time for the holidays? Know these key dates

That means that if you wait too long to order your goods online, you run the risk of being empty handy when it comes time to exchange gifts. To help online shoppers, retailers are offering free shipping or dropping their purchase minimums.

Many have also banded together like in years past to offer “free shipping day,” set for December 14, 2018. This is the ship-by date that retailers are guaranteeing that your packages will be delivered in time for Christmas.

Of course, delays are quite common around this time. UPS has already announced that its shipping schedule in parts of Southern California is being affected by the wildfires.

Here are some other key dates to keep in mind:

Here is the UPS 2018 holiday shipping schedule

  • UPS 2nd Day Air: Thursday, December 20 (delivery on Monday, December 24)
  • UPS Next Day Air: Friday, December 21 (delivery on Monday, December 24)

For the most accurate appraisal of when your specific package will arrive at its destination, UPS is encouraging customers to log on to see its Calculate Time & Cost tool.

Here is the U.S. Postal Service 2018 holiday shipping schedule

The USPS recommends mailing and shipping on the following key dates for expected delivery by December 25:

USPS Retail Ground Friday, December 14
APO/FPO/DPO (except ZIP Code 093) USPS Priority Mail Express Tuesday, December 18
First-Class Mail (including greeting cards), Priority Mail Thursday, December 20
Alaska to mainland Priority Mail and First-Class Mail Thursday, December 20
Alaska & Hawaii to mainland Priority Mail Express Saturday, December 22
Priority Mail Express (includes Alaska & Hawaii to mainland) Saturday, December 22

Here is the 2018 holiday shipping schedule for FedEx

SmartPost Monday, December 10
Ground Friday, December 14
Home Delivery Monday, December 17
Express Saver Wednesday, December 19
2-Day Services Thursday, December 20
Overnight Services Friday, December 21
Keep up to date with the latest money-saving tips and more at Clark.com. Subscribe to our newsletter and follow us on Twitter and Facebook!

Here are some more Black Friday-related articles from Clark.com:

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Back To School Sale – Get up to 40% OFF stylish footwear at Payless.com

Think Walmart Can’t Beat Amazon? Think Again: E-Commerce Extends Streak of Big Sales Gains

Walmart‘s strategy of blending stores and e-commerce to push back at Amazon.com is working.

The world’s largest retailer


wmt



reported on Thursday that comparable sales at its namesake U.S. stores rose 3.4% in the third quarter, above Wall Street expectations for 2.9% according to Consensus Metrix, setting it up for a strong holiday season. That performance was boosted by a 43% jump in e-commerce sales, the result of its efforts such as dramatically increasing locations where customers can retrieve online grocery orders, the addition of brands like Lord & Taylor and ModCloth to its web site and a vast expansion of its online marketplace. All Walmart stores ship online orders and allow customers to retrieve online orders.

“Our company is moving faster and we’re accelerating innovation,” Walmart Inc. CEO Doug McMillon said in a statement. “We’re creating a business model that functions as an ecosystem with the customer at the center.”

The years of mega-investments in e-commerce are paying off: digital consultancy eMarketer said in a report released Thursday that Walmart has now eclipsed Apple


aapl



as the No. 3 U.S. e-commerce player, behind Amazon


amzn



and eBay


ebay



.

It was the 16th quarter in row of growth in U.S. comparable sales at Walmart’s namesake stores, a metric that strips out revenue from newly closed or opened, and the 15th in a row of increased store visits by shoppers.

Elsewhere, results were also strong: comparable sales at its Sam’s Club division rose 5.7%, helped by the closing of weaker locations and strong digital growth. Sales at Walmart International rose 1.6% excluding the impact of currency fluctuations, helped by comparable sales increases in nine of its 10 foreign markets. Walmart reported adjusted earnings per share of $ 1.08, beating analysts’ forecasts of $ 1.01 per share and raised its U.S. sales growth expectation for the year.

Fortune

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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!

SPECIAL DONATION REQUEST UPDATE:

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ITG To Be Acquired By Virtu Financial; Q3 Results Beat View – Quick Facts

Investment Technology Group Inc. (ITG), an agency broker and financial technology provider, said that Virtu Financial, Inc. (VIRT) has agreed to acquire all outstanding shares of ITG’s common stock for $ 30.30 per share in cash. ITG also reported third-quarter financial results that beat analysts’ estimates.
RTT – Earnings

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How We Beat Tom Brady and Aaron Rodgers, and Won the Super Bowl

Sunday night’s matchup between Brady and Rodgers serves as a reminder of their greatness. Seven years ago, the New York Giants went through both of them en route to a Super Bowl championship. Antrel Rolle, a defensive back and key player on that Giants defense, on how Big Blue dealt with and defeated the legendary QBs

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GM Stock Surges As Q3 Results Beat View

Automaker General Motors Co. on Wednesday reported a turnaround to profit in the third quarter on higher revenues. Both revenue and adjusted earnings per share for the quarter beat analysts’ estimates. The company’s shares are rising almost 9 percent in pre-market activity. In North America, GM reported adjusted EBIT of $ 2.83 billion.
RTT – Earnings

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Lakers Survive Luka Doncic-Led Rally, Free-Throw Misadventures to Beat Mavs

The Lakers overcame a late rally led by Luka Doncic and a couple (more) missed free throws to narrowly beat the Mavericks in a game that saw L.A.’s starters get out to a bright start. 

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Red Sox Beat Dodgers 5-1 to Win the World Series Title

(LOS ANGELES) — The Boston Red Sox won their fourth World Series championship in 15 years, beating the Los Angeles Dodgers 5-1 in Game 5 Sunday night behind David Price’s pitching and Steve Pearce’s power.

Alex Cora became the first manager from Puerto Rico to guide a team to the title. He’s just the fifth rookie skipper to do it overall.

After posting a team-record 108 wins during the regular season and romping through the AL playoffs, the Red Sox finished off a one-sided Series

Price threw three-hit ball into the eighth inning. Pearce hit two home runs, a night after his homer and three-run double spurred a late rally.

Mookie Betts and J.D. Martinez also connected as the Red Sox hit three homers off Clayton Kershaw.

Los Angeles lost Game 7 of the World Series last year to Houston, also at Dodger Stadium by the same 5-1 score.

Sports – TIME

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