Seth’s Favorite Jokes of the Week: Trump’s Shutdowns, The Bird Box Challenge

Late Night with Seth Meyers

SPECIAL CHARITY NEWS:

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!

Zuckerberg: Fixing Facebook is ‘more than a one-year challenge’

Fixing Facebook will be a long-term project, according to Chief Executive Mark Zuckerberg. “To be clear, addressing these issues is more than a one-year challenge,” Zuckerberg said in a Facebook post, according to a Bloomberg report on Friday. “For some of these issues, like election interference or harmful speech, the problems can never fully be…
Technology News & Reviews | New York Post

SPECIAL SHOE DISCOUNT:

With Two Pivotal Games on the Horizon, Can Liverpool Sustain Its Title Challenge?

With two pivotal games against Arsenal and Manchester City coming up, can Liverpool sustain its title challenge or will Spurs or City overtake it at the top of the table?

Latest News

BEST DEAL UPDATE:

Get the perfect pair of shoes at SKECHERS! Shop the latest casual & performance styles for men, women, and kids now!

Single? Our 30-Day Challenge Will Whip Your Finances Into Shape

Sure, it might seem like everyone in the world is coupling up.

You’ve basically mastered the art of third-wheeling — or fifth-wheeling.

Each day, your friends post engagement announcements: “I’m marrying my best friend!” Then, what seems like a week later, they’re posting month-by-month baby updates.

Yeah, sometimes it sucks you don’t have a go-to wedding date or built-in sounding board, but there’s also something beautiful about being single. You have time to focus on yourself, your career, your relationships and your finances.

If you need some help with that last one — the little ol’ money thing — we put together a 30-day money challenge just for you.

Day 1: Get a Bird’s-Eye View of Your Finances

Now, when someone tells you it’s time to start focusing on yourself, your next question might be, “How? What should I do first?”

Honestly, it’s difficult to know where to start when it comes to getting your money in order, but we suggest tapping into your credit score and credit report.

Yes. Your credit score is very important. The better your score, the better rates you’ll get on a mortgage, car loan or credit card. Heck, a bad credit score could even mean you have to put down a deposit when setting up internet.

Go ahead and peep your credit score to see how you’re doing. You can do so for free through Credit Sesame.

Not only will Credit Sesame give you your score, it’ll also provide you with a free “credit report card,” which breaks down your credit report into easy-to-understand terms and action items.

Day 2: Start Tackling Credit Card Debt

If you don’t have any debt, good for you! Feel free to kick back today.

If you do (and many of us do, so don’t feel ashamed), then think about this: Credit card interest rates can reach more than 20% these days. That means you’re wasting good money that could go toward paying down the principal.

If you’re in this boat, consider refinancing your debt with a personal loan.

A good resource is Fiona. Nope, you didn’t find her on Tinder…

Fiona is a search engine for financial services, which can help match you with the right personal loan to meet your needs.

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

Day 3: Build a Budget (No Math Required)

All right. Remember, it’s Wine Wednesday (that’s a thing, right?), so don’t be afraid to pour yourself a glass before tackling today’s challenge.

But really, this won’t be as painful as you think it will be, thanks to a free app that basically does it all for you.

The Empower app is a powerful budgeting tool that can help you figure out how you’re spending your money and develop a budgeting plan to keep you on track.

Link the app to your bank accounts, and it will track your spending. It will also categorize your spending so you can see exactly where you are overdoing it. That’s right: It will show you just how many times you went out for dinner because you didn’t want to do the dishes.

Set a monthly spending limit, and the app will show you a graph that can tell you in one snapshot just how you’re doing for the month. Are you over the line or under it? It’s that simple to see how you’re doing so you can adjust your spending accordingly.

Sometimes a little accountability is all you need.

Day 4: Look out for Yourself, and Start an Emergency Fund

When you’re single, you have to take care of yourself. To do that, build an emergency fund, a stash of money hidden away in case any unforeseen events pop up.

So… where to begin?

Try Digit, an innovative app that automates saving for you. Simply link it to your checking account, and its algorithms will determine small (and safe!) amounts of money to withdraw into a separate, FDIC-insured savings account.

Bonus: Penny Hoarders will get an extra $ 5 just for signing up! Additionally, savers will receive a 1% bonus every three months.

If you need that money sooner than expected, you’ll always have access to it within one business day.

Digit is free to use for the first 30 days, then it’s $ 2.99 per month afterward.

Days 5 and 6: Snag Cash-Back on Your Weekend Indulgences

It’s Friyay and Caturday (if you’re into that sort of thing), which means it’s time for a night out with friends or maybe a family brunch.

Before you indulge, download Ibotta, a free app that’ll pay you cash for taking pictures of your grocery store and gas station receipts.

You can also earn cash back at your favorite restaurants and bars. For example, if you buy yourself and a friend a bottle of Stella Artois, take a photo of your bar tab, and Ibotta will give you $ 5. (Offers change regularly, so keep an eye for new deals!)

Once you hit $ 20, cash out. Oh, and you’ll get a $ 10 sign-up bonus through The Penny Hoarder, so you’re already halfway there.

Day 7: Fight Your Sunday Scaries With Fun Games

Woman relaxing while texting

Welcome to the Sunday Scaries. It’s time to grab your husband (and by husband, we mean that cozy pillow that tucks right around you) and turn on Netflix. Then, play games to save money.

Yep! The folks who created Long Game have you covered with a game that’s fun and helps you achieve your financial goals.  

As you save and accomplish missions, you’ll earn coins to play mini games for cash prizes. We’re talking the classics, like slot machines, scratch-offs and spin-to-win wheels.

I used Long Game to save money. Every two weeks, it would sneak $ 5 out of my bank account and reward me with coins.

In two months, I saved $ 35.70, just by playing games on my phone. Plus, my winnings amount to a gain of about 2% — way higher than interest on any other savings account I have.

Once you link your bank account, you’ll earn 300 coins, so you can start playing immediately.

Day 8: Find More Affordable Car Insurance Rates

Woman driving her car

Did you know your car insurance rates can be dependent on your marital status? Yeah, not fair.

Either way, it’s time to check your rates to see how much money you could be saving.

The Zebra, an online car insurance search engine that offers “insurance in black and white,” compares your options from 204 providers in less than 60 seconds.

Here’s how it works:

  1. Head over to The Zebra’s search platform.
  2. After answering some questions, it’s time to compare. The Zebra gives you an “Insurability Score,” which is similar to your credit score except it’s for car insurance, and it  teaches you how to get better rates. The site also gives you different options for coverage.

Day 9: Insure Your Most Valuable Asset (or Costliest Expense)

OK, being single is great and all, but admittedly, it sucks when it comes to your monthly living expenses. If you don’t have a roommate, who do you split rent with? No one. And it’s dang expensive.

At least you can shop around for the best renters insurance rates.

Start by pulling a free quote. We recommend the online insurance company Lemonade, through which renters insurance starts at $ 5 a month.

Beyond affordable rates, Lemonade adds a layer of transparency you don’t often see in the insurance world. Instead of profiting extra when it doesn’t have to pay out claims, the company keeps a set 20% of your premium for itself, and 80% goes into a pool for paying claims. Money left over after paying claims each year goes to a cause of your choice.

That also means Lemonade isn’t going to be super stingy about granting customers the claims they deserve — ’cause the money isn’t going into its pockets.

Day 10: Find the Cheapest Internet in Town With One Click

Plugging in internet cable

Today’s the day you’re going to stick it to your internet provider. Seriously. You don’t need anyone’s help.

It’ll take only a couple of minutes to compare rates around town and save a bundle on internet (without committing to a bundle package) when you shop through Squeeze.

Squeeze is free, and it allows you to either switch companies or negotiate with your current provider.

You can also check out its “cord-cutting” comparison. If you haven’t yet cut the cord, go ahead and compare how much your cable costs versus how much a handful of streaming services will cost.

Day 11: Trim Your Cell Phone Bill

Woman using cell phone

OK, does it seem like your cell phone bill increases each month?

Well, it’s time to call in a robot. The negotiation bot Trim will negotiate your AT&T cell phone bill down for you.

You can sign up simply with Facebook or your email address. Then, enter your plan’s account information, and Trim’s AI-powered system gets to work. If at first it doesn’t succeed, it’ll keep negotiating until it can save you some money.

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

Day 12: Pay off Your Debt Even Faster

This challenge will help you cut your monthly expenses. That’s awesome! Now, instead of using that money saved to pay for a Really Bad™ Tinder date, put it toward your debt payoff efforts.

You can also recruit a free app to help out.

It’s called Qoins, and it can help you become debt-free without really thinking about it.

Qoins rounds up each purchase you make to the nearest dollar. The app tracks the roundups and makes withdrawals that it automatically puts toward a debt account of your choice each month.

How it works:

  1. Sign up, and add your lender (the account you want to pay off).
  2. Connect your checking or other bank account.
  3. Start saving and automatically paying down your debt.

Days 13 to 15: Find Some Free Fun This Weekend!

Man playing guitar for his date

Whoo, it’s finally Friday, so give yourself a break. Have some fun tonight, and let loose on into this weekend.

Got a hot date? Try going on a penny date. All you need is a penny and a 30-sided die.

Or plan a picnic with some friends, pack up the car and go camping, find an open mic night at a local bar, or hit up the local farmers market. If you’re looking to meet new people, you can always find a Meetup group that matches your interests.

Day 16: Breathe a Little Luck Into Your Day

Woman playing with her cell phone

No matter which way you slice it, Mondays kind of, almost always suck.

Before you get too down, it’s time to spice it up with a chance to win some money. Yep. It’s time to get lucky.

The Lucky Day app allows you to play digital scratch-off tickets and enter daily lotteries — for free. You can win cash and tokens to exchange for prizes, gift cards and raffle entries.

It’s all free to play, with no in-app purchases. The company has already awarded more than $ 3 million in prizes to winners since 2014.

Seriously, you could have that “I just found money in my pocket” feeling today just for playing games and having fun on your phone.

Day 17: Get Paid to Watch Videos

Young woman watching tv at home

Hey, so you’ve probably got a hot date with Netflix tonight… Why not mix things up a bit and get paid to watch videos?

Seriously! InboxDollars pays you to watch TV online.

The site hosts a ton of stuff to watch, including cooking, entertainment, news and health shows. The shows are sponsored by brands that need to get them in front of as many eyeballs as possible. Every time you watch one, InboxDollars will credit your account with a little bit of cash.

Day 18: Try Your Hand at a Survey Site and Get a $ 5 Bonus

If you’re feeling sensitive about being single these days, maybe skip today’s challenge. Sure, survey sites can be an easy way to make money online, but they’re also going to ask you a ton of demographic questions… like, tell us your relationship status. Over and over.

If you want to bank a little extra money, though, sign up with MyPoints. You can earn gift cards when you participate in polls and fill out surveys. Plus, once you complete your first five surveys, you’ll earn a $ 5 bonus.

Day 19: Dip Your Pocket Change Into Some Investments

Man using his phone

Want to give investing a try today? Come on! It’s time to try something new.

Start small, and download Acorns, an investing app that’ll round up your debit and credit card purchases and, once it accumulates $ 5, it’ll invest the spare change for you.

That means if you spend $ 10.23 at the grocery store, 77 cents gets dropped into your Acorns account. Then, the app does the whole investing thing for you.

The app is $ 1 a month for balances under $ 1 million, and you’ll get a $ 5 bonus when you sign up.

If you’ve got a $ 50 bill burning a hole in your wallet, then look into Swell Investing, an SEC-registered investment adviser committed to supporting sustainable companies.

Its Impact 400 portfolio features companies whose products and services align with the United Nations Sustainable Development Goals. It considers everything from gender equality to ending poverty to clean energy.

You’ll get a $ 50 bonus with the code PENNY after making your initial investment.

Swell doesn’t have any trading fees, price tiers or expense ratios. It charges a 0.75% annual fee — that’s about the cost of one coffee ($ 3.75) per year if you invest $ 500.

Disclosure: We have a financial relationship with Swell Investing LLC and will be compensated if consumers apply for an account and/or fund an account with Swell through links in our content. However, the analysis and opinions expressed here are our own.

Days 20 to 22: Master the Art of Earning Cash Back (and Get $ 10 Free!)

Woah… where did this week go?

All right. You don’t quite get this weekend off, but trust us. This task will be fun, especially if you have big plans to do some online shopping. Hey, it’s a treat-yourself kind of weekend.

Before doing anything, sign yourself up for Ebates, a cash-back site that rewards you nearly every time you buy something online. For example, Ebates gives you up to 10% cash back on online purchases at Walmart.

Plus, you’ll get a free $ 10 gift card to Walmart for giving the site a try.

Then check out Paribus, a tool that gets you money back for your online purchases. It’s free to sign up, and once you do, it will scan your email for any receipts.

If Paribus discovers you’ve purchased something from one of its monitored retailers, it will track the item’s price and help you get a refund when there’s a price drop.

Day 23: Find a Bank That’ll Treat You (and Your Money) Right

All right. It’s time to break the never-ending cycle of fees… It’s time to break up with your… bank. Duh.

Radius Bank does more than your average bank to make you feel appreciated. The full-service virtual bank offers perks that traditional banks don’t, including up to 17 times the national average interest rate with the Radius Hybrid checking account.

Radius Hybrid is a free checking account that combines the interest-earning potential of a savings account with the flexibility of a checking account. You’ll earn 1% APY on balances over $ 2,500 (1.2% on balances above $ 100,000).

You’ll also enjoy freedom from fees: There are no monthly fees or minimum balance requirements, and you can be reimbursed for fees from any ATM in the world (yup).

Ready for someone to go above and beyond for you? You can open an account with just $ 100 — in as little as five minutes.

Day 24: Hunt Down a Savings Account That Pays out

So you’ve started an emergency savings. That’s awesome! But now it’s time to make sure your savings is making some money for you — to really cushion your just-in-case plan.

An iOS app called Varo Money combines traditional banking tools with modern technology to help its customers become financially healthy.

Here’s the best part: Pair your Bank Account with a Varo Savings Account where you’ll earn 1.75% annual percentage yield. That’s nearly 20 times — repeat, 20 times — the average savings account, based on a 0.06% average reported by CNN Money.

Day 25: Check Into Your 401(k)

Got a 401(k)? You’re on the right track.

Now, you just need to make sure it’s doing what you need it to. However, tapping into that account and deciphering the information — or lack thereof — can be hard.

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

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

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

Day 26: Get $ 150 for Signing up for a New Credit Card

How many times do you reward yourself each day? Probably not enough.

That’s because if you’re not using a rewards credit card for everyday purchases, you’re missing out on free money.

You just have to be sure you don’t get too carried away with those purchases — and that the card is paid off at the end of each billing period.

Here’s an option we like: It’s the Chase Freedom Unlimited card. Its claim to fame? You’ll earn an unlimited 1.5% cash back on all your purchases. Plus, if you spend $ 500 in your first three months of opening the card (hi, groceries), you’ll pocket a $ 150 bonus.

Get signed up — and 0% intro APR for 15 months — here.

*The information for the Chase Freedom Unlimited card has been collected independently by The Penny Hoarder. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. The Penny Hoarder is a partner of Credible.

Day 27: Temper Your Credit Card Use With This Safety Net

Need a little accountabilibuddy when it comes to credit card swiping? You don’t need a human for that. We’ve got another solution.

An app called Debitize basically turns your credit card into a debit card, for free. With it, you can connect any credit card to a checking account.

Whenever you swipe your credit card, Debitize pulls the same amount of cash from your bank account. It stores the cash for you until it’s time to pay your credit card bill. Then it pays that bill for you a week before the due date.

The best of both worlds: You can build credit and get those sweet credit card perks, and also prevent yourself from running up unmanageable debt.

Days 28 and 29: Celebrate the Weekend by Binging Netflix

Whoo! It’s already the weekend again, and you’re almost done with your 30-day challenge!

Take the weekend to binge “The Great British Baking Show” if you haven’t already. Seriously, it’ll make you so happy.

Day 30: Reflect on How Awesome YOU Are!

Congratulations. You’ve made it to the end of your 30-day money challenge!

How are you feeling? Did you finally check off all those financial tasks you’d been meaning to get to? That’s what happens when you have more time to focus on yourself. (No offense, significant others… )

Whatever your goal was, we’re glad you took some time to focus on yourself and your finances. In the end, it’ll set you up for success in the future.

Now, just remember: Before you go jumpin’ into any relationship, be sure to have the money talk before you truly commit.

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder.

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

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

The Penny Hoarder

BEST DEAL UPDATE:

Sam's Club Membership Offer

Guardian of New Hampshire primary faces first challenge in decades

Bill Gardner, the New Hampshire official who has zealously guarded his state’s position kicking off U.S. presidential races for four decades, could end his long run in office on Wednesday if lawmakers pick a new secretary of state.


Reuters: Politics

SPECIAL NEWS BULLETIN:

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

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!

Billy Kemper Dominates Jaws Challenge at Pe’ahi, Hawaii

WSL PRESS RELEASE

Across the island, Maui’s own Billy Kemper (HAW) won the Jaws Challenge at Pe‘ahi, one of three stops on the World Surf League (WSL) Men’s Big Wave Tour (BWT), for the third time in his career. Competition resumed with Round 1 Heat 2 after being called off yesterday and Kemper picked up where he left off to set today’s tone with more exhilarating performances as he battled back and forth with Kai Lenny (HAW) in the Final.

“Yesterday was probably the most radical day of surfing competition and I’m glad I got to kick that day off and got to end this event,” Kemper said. “This is for my mom and if you’re looking down on me right now mom, this one’s for you.”

This marks a career-defining moment for Kemper as his third Big Wave Tour win on home turf. Kemper’s ability to hunt down some of the heaviest waves and attack the barrels on offer separated him from the rest of the competition today with a brilliant 23.84 (out of a possible 30) heat total.

“I put everything into this year and I was second guessing if I’d be able to surf again by the end of the year,” Kemper continued. “My team got me back here and this is for us. I didn’t do this on my own. My beautiful wife, my children, I love you guys so much.”

Men’s Jaws Challenge at Pe’ahi, Hawaii Final Results:
1 – Billy Kemper (HAW) 23.84
2 – Kai Lenny (HAW) 23.56
3 – Albee Layer (HAW) 17.40
4 – Tyler Larronde (HAW) 16.06
5 – Grant Baker (ZAF) 8.10
6 – Koa Rothman (HAW) 2.19Beachwaver Maui Pro Final Results:
1 – Carissa Moore (HAW) 18.67
2 – Malia Manuel (HAW) 14.67

Beachwaver Maui Pro Semifinal Results:
SF 1: Malia Manuel (HAW) 13.50 def. Stephanie Gilmore (AUS) 13.36
SF 2: Carissa Moore (HAW) 15.67 def. Courtney Conlogue (USA) 14.44

Beachwaver Maui Pro Quarterfinal Results:
QF 1: Malia Manuel (HAW) 15.00 def. Sally Fitzgibbons (AUS) 4.67
QF 2: Stephanie Gilmore (AUS) 12.94 def. Johanne Defay (FRA) 12.57
QF 3: Courtney Conlogue (USA) 15.40 def. Tatiana Weston-Webb (HAW) 14.60
QF 4: Carissa Moore (HAW) 14.66 def. Paige Hareb (NZL) 12.40

For more information, please visit WorldSurfLeague.com.

The post Billy Kemper Dominates Jaws Challenge at Pe’ahi, Hawaii appeared first on .

BEST DEAL UPDATE:

Take 15% Off Element products at Shop.Surf. Use Code: ELEMENT15

Shamari DeVoe Reveals Pregnancy Challenge That Risked Her And Her Twins’ Lives

Source: Leon Bennett/BET / Getty

Shamari DeVoe was on bed rest for two and a half months when she was pregnant with her twin boys Ronald and Roman. The former Blaque singer, who recently joined Real Housewives Of Atlanta, suffered complications throughout her pregnancy that could have led to miscarriage or worse.

According to the CDC, Black mothers are 243% more likely to die from pregnancy or child-birth related causes. Like so many other Black women, even high-profile celebrities like Serena Williams, Shamari had to convince doctors to listen to her when she demanded they check her cervix.

Doctors assured her nothing was wrong with her cervix, but Shamari was adamant about it and it ultimately saved the life of she and her boys.

“[Producers] reached out to me when I was pregnant last year about joining the cast and because I was pregnant and I was on bed rest, I had to decline,” she revealed in a candid interview. “I had to make sure that my babies baked as long as possible because my oldest son, he wasn’t growing as fast as his [brother], so they wanted to make sure that I was being watched 24 hours,” she explained.

Going into detail about an experience Black women know all too well, Shamari revealed she had to plead with doctors to check her cervix because she felt like something was wrong.

“I told him and at one point he was like, ‘Your cervix is fine,’ And then I was like, ‘No, I want you to check it.’ And he checked him and he was like, ‘Oh my God, it really is opening.’ I had to go in once every two weeks and then, finally, one doctor visit, they were like, ‘Oh no, you have to go straight to the hospital and be on bed rest for the duration of your pregnancy.’”

She further explained her condition. “My cervix started to open and they had to make sure that to keep the pressure off of my cervix in addition to Ronald not growing as fast as his brother.”

Instagram Photo

Describing how difficult of a time it was, Shamari said, “Some days it felt like the walls were closing in, but I have a supportive family. I have supportive friends and it was not one day that went by that I did not have a visitor. I think that’s very important that you have people that come by and they check up on you.

I have a dear friend of mine that would come in every, every week and she would change the the atmosphere in my room. It’s really difficult, but I think just that motherly instinct kicks in and you’re going to do whatever it takes to make sure that your baby make it into this world.

So I stayed there and my husband was so supportive. He was there every single night and if he was not there in the hospital room with me it was, it was because he was on tour on the road and that’s the only reason.”

Despite being on bed rest, Shamari had a maternity shoot right in her hospital bed. “I did a full blown maternity shoot in the hospital. It looked like I was laying in like a king size bed.  Like if you go to my Instagram page, you’ll see that I’m going to go look at it and you’ll see my maternity shoot. That was all in the hospital.”

Instagram Photo

On a recent episode of RHOA, we learned Shamari and her husband had an open marriage for about year, followed by an intense period that almost rocked their union. With a lot of counseling, they appear stronger than ever.

Shamari and Ronnie put in the work to make their marriage stronger, including learning one another’s love language and practicing active listening to perfect their communication.

“We have an unbreakable bond,” Shamari said. “We have been together for 17 years. I’ve been married for 12 years and we make sure that we communicate with each other. We make sure that we constantly stay around other like-minded couples that have the same ideas that we do, which is to being a successful, healthy relationship”

Shamari also believes in prioritizing her husband over her children because a strong marriage is the foundation for raising grounded children.

First is God, then it’s my husband and then it’s my children and that’s the way,” she explained. “That’s the way the Bible teaches us so I try to live by that.”

She added, “Me and my husband are one and when you make that oath before God, you become one on that day. That is like the closest relationship that you can have under God. And then you know, me and my husband were there first and then the family comes second.

There’s no kid without my husband. He comes first, I need my husband to even have a child. And then one day when my children grow up, mommy will no longer be first. And I’m perfectly fine with that. That’s beautiful.”

As for Shamari’s story line on RHOA, she feels she brings something different to the show.

“It’s weird because I’m watching myself outside of myself, like it’s an out of body experience. Everything was so great about it. I think the world is ready for some new energy and I’m definitely bringing something different to the show.”

Shamari is currently working on new music with her Blaque co-star.

Watch Shamari and Ronnie DeVoe on RHOA every Sunday night at 8pm on Bravo TV.


HEAD BACK TO THE BLACKAMERICAWEB.COM HOMEPAGE

 

 

Life & Style – Black America Web

BEST DEAL UPDATE:

This 30-Day Challenge Will Help Any Married Couple Conquer Their Money Woes

Congratulations! You’ve said your vows. You’ve thrown that bouquet (who knew Grandma could jump like that?). You’re even rocking a nice tan from your honeymoon.

Now married life really begins. Like it or not, your finances are a major factor in your marriage. According to Dave Ramsey, 86% of couples who got married in the last five years started out in debt.

It’s OK. Take a deep breath. We’ve put together a one-month challenge for married couples to get your finances in shape for your happily ever after.

Do you accept the challenge? If so, say, “I do” (again).

Day 1: Check Your Credit Scores

Your credit score is important, now more than ever. The better your score, the better deal you’ll get on a mortgage, rental deposit, car loan or credit card. If either you or your spouse has a less-than-ideal credit score, it’s time to start working on it.

To keep a closer eye on your credit, get your credit score and a “credit report card” for free from Credit Sesame. It breaks down exactly what’s on your credit report in layman’s terms, how it affects your score and how to address it.

Signing up for Credit Sesame will only take you a couple of minutes each, and it’ll even help you tackle any issues you see.

Day 2: Tackle Your Credit Card Debt

Sometimes “for better or for worse” includes taking on your spouse’s credit card or other high-interest debt. Don’t let it get you down. Instead, take those balances down in a smart way.

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

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

Day 3: Get Paid to Get Fit

Your honeymoon was full of buffets, decadent desserts and pina coladas. Totally worth it. Now it’s time to make up for those fun times.

There’s a cool company, HealthyWage, that will literally pay you for losing weight.

Here’s how it works:

  1. Read our full HealthyWage review, and sign up.
  2. Define a goal weight and the amount of time you’ll give yourself to achieve it.
  3. Place a bet on yourself ranging from $ 20 to $ 500 a month.

Depending on how much you have to lose, how long you give yourself to do it and how much money you put on the table, you could win up to $ 10,000!

Wondering if it can really work? We talked to one woman, Teresa Suarez, who lost 68 pounds — and made over $ 2,400.

The couple that gets fit together stays together, right?

Day 4: Budget Your Wedded Bliss

A budget is not fun, but you’ll be surprised at how freeing it can really be, especially for a married couple. You’ll know your limits and take the mystery out of your monthly spending.

The Empower app is a powerful budgeting tool that can help you figure out how you’re spending your money and develop a budgeting plan to keep you on track.

Link the app to your bank accounts, and it will track your spending. It will also categorize your spending so you can see exactly where you are overdoing it.

That’s right: It will show you just how many times you went out for dinner because it was your turn to do the dishes.

Day 5: Start Adulting With a Life Insurance Policy

When you’re married, you have someone else who counts on you. If you have a family, the last thing you want is to leave them without any financial support once you’re gone.

Getting a life insurance policy is a smart move — and it’s not as hard as it used to be.

Ethos, for example, can get you term life insurance in less than 10 minutes — with no medical exam — for coverage up to $ 1 million. Ethos offers a digital application, and customer service is available if you have questions.

It partners with a major life insurance carrier to quickly offer policies as low as $ 6 a month.

You don’t really want to think about “‘til death do us part,” but it’s a conversation you need to have. You’ve got this!

Days 6 and 7: It’s the Weekend! Find Free Stuff in Your City

What? You thought we’d make you work every day? Good marriages need room for quality time to have fun together, too, right? Just don’t spend a lot of money doing it.

From museums to community movie nights, there’s most likely a rich menu of 100% free things to do wherever you are!

Check your local newspaper or city website, and see what you can get into — without paying a dime.

Day 8: Find out If You’re a Power Couple

How do you compare to your peers? Are you the neighborhood’s power couple, or are you barely keeping up with the Joneses? It’s time to find out.

Status Money is an app that allows you to anonymously compare your financial situation with your peers without asking those awkward, prying questions. Link an account to tap into this database and you’ll be able to compare your income, debt, interest rates, credit score, spending… you name it.

By seeing how others are doing, you can see what you need to work on — or where you can sit back a little and just breathe easy.

Day 9: Wash Your Car, and Clean up Your Car Insurance Bill

You each have a vehicle. One took you on your first date. The other was topped with streamers and balloons on your wedding day. Now it’s time to give them both a good wash — and then clean up your insurance bills.

Yes. There’s no getting around car insurance, unfortunately. But one way you could save money is by shopping around and comparing rates at least once a year. So, just like you compare the prices of flights, shoes and laptops before purchasing, why not compare car insurance?

The Zebra, an online car insurance search engine that offers “insurance in black and white,” compares your options from 204 providers in less than 60 seconds.

Day 10: Make a Shopping List — and Get Paid

You probably shopped online before you were married. You won’t likely stop now, right? But now it’s even more important to save money where you can.

One of our favorite ways to save is with Ebates, a cash-back site that rewards you nearly every time you buy something online. For example, Ebates gives you 10% cash-back on online purchases at Walmart.

Plus, you’ll get a free $ 10 gift card to Walmart for giving the site a try.

Day 11: Stock the Fridge and Pantry With Savings

They say that 90% of marriage is asking “What should we have for dinner?” That number may actually be a bit low.

One of the best ways to avoid this trap is to get ahead of it. If you plan your meals for the week and shop accordingly, you’ll be all set. You know what makes your meals taste even better than butter or salt? Savings.

Believe it or not, Ibotta will pay you cash for taking pictures of your grocery store receipts.

Before heading to the store, search for items on your shopping list within the Ibotta app. When you get home, snap a photo of your receipt and scan the items’ barcodes, and earn cash back.

Ibotta is free to download. Plus, you’ll get a $ 10 sign-up bonus after uploading your first receipt.

Pre-planned dinner plus a pay day? That’s romance, right there!

Day 12: Put the Gold in Your ‘Golden Years’

When you said “I do,” you made a promise to make a future together. That future will look a lot better if you plan for your retirement right now.

If you’re like most people, you have no idea whether your 401(k) is on pace for retirement or just sputtering along.

Chances are, your 401(k) could be doing a lot better. Take control with help from Blooom, an SEC-registered investment advisory firm that can optimize and monitor your 401(k) for you and keep it speeding toward retirement.

It just takes a few minutes to get a free 401(k) analysis  that will show you whether your investments are allocated properly and whether you’re losing money paying hidden investment fees. It’ll even tell you just how much more money your account could earn by the time you want to retire.

After that, if you sign up, it’s just $ 10 per month to have Blooom monitor and maximize your 401(k). Bonus: Penny Hoarders get the first month free with the code PNNYHRD.

Think of Blooom like a mechanic constantly fine-tuning your car’s engine so it gives you the best possible performance and gas mileage. Except it’s your 401(k) — and your future.

Days 13 and 14: It’s The Weekend! Relax, and Grab a Glass of Wine

You’ve made great strides! Hey, marriage isn’t all work. Give yourself a break today. You’ve earned it.

Tonight, kick back, relax and enjoy each other’s company with a glass of wine. Of course, you don’t want to go overboard and spend a bundle on that bottle. Find a great bottle of wine for under $ 20, and toast to your financial progress.  

Day 15: Clear Your Clutter

Wow. Now that there are two of you, all of your stuff really adds up, doesn’t it? It’s not just the things you have two of, like ironing boards and disco balls; it’s clothes, shoes and furniture.

Set up shop, and make some extra money from the stuff you don’t need (and probably don’t have room for anymore).

You can sell virtually anything on Letgo. This intuitive app lets you snap a photo and upload your item in less than 30 seconds. It removes a lot of the hassle of selling things online, and it’s 100% free to use.

Marriage tip: Only sell your stuff. Posting your spouse’s items is a one-way ticket to the dog house.

Day 16: Feel the Thrill With a Free Lottery

There’s something so satisfying about those gas station scratch-off tickets, but it’s better to avoid them because, well, that’s not Penny Hoarding.

Instead, try scratching for free using an app called Lucktastic. Each day, it releases a new assortment of digital scratch-off tickets. Lucktastic says instant wins range from $ 1 to $ 10,000. You can also earn tokens that you can exchange for free gift cards to retailers, including Amazon, Walmart, Kohl’s, Sephora and more.

You can even compete with your spouse. Who can win more tonight?

Day 17: Relax, and Watch a Good Show

OK, you’re ready for a little snuggle time. That’s fair.

Tonight, pop some popcorn, pour a cool beverage and plop down on that loveseat. But instead of watching a movie, earn some money by watching movie previews or other short videos.

InboxDollars lets you actually get paid to watch TV online. The site hosts a ton of stuff to watch, including cooking, entertainment, news and health shows. The shows are sponsored by brands that need to get them in front of as many eyeballs as possible.

Every time you watch one, InboxDollars will credit your account with a little bit of cash.

Day 18: Get Money for Past Purchases

What couple couldn’t use a little extra money? Here’s an easy way to see whether you could get money back on purchases you’ve already made.

One of our secret weapons is called Paribus — a tool that gets you money back for your online purchases. It’s free to sign up, and once you do, it will scan your email for any receipts. If it discovers you’ve purchased something from one of its monitored retailers, it will track the item’s price and help you get a refund when there’s a price drop.

Plus, if your guaranteed shipment shows up late, Paribus will help you get compensated.

Day 19: Protect Your Nest Without Robbing Your Nest Egg

If you own a car, you know that you need to protect it (and yourself) with insurance. But did you really check out your options? You could be paying too much for your coverage. Shopping around for insurance can be time consuming, though.

Fortunately, a service called Gabi will do it for you, and you don’t even have to fill out any forms. Simply link your insurance account and provide your driver’s license number, and Gabi will go to work.

Once you link your insurance account to Gabi, it will:

  • Scan your existing insurance plan.
  • Analyze what coverage you have.
  • Compare the major insurers’ rates for that same coverage.
  • Help you switch on the spot if it finds you a better rate.

Gabi says it finds an average savings of $ 720 per year for its customers.

It is a true apples-to-apples comparison at the same coverage levels and deductibles you currently have. Once you sign up, you never have to shop again. Gabi’s software has your policy on file and keeps on monitoring for savings as your life changes.

Day 20 and 21: It’s the Weekend! Enjoy Free Stuff at Your Gym or Apartment Complex

If you have a gym membership or a fitness lounge at your apartment complex, you might be missing out on lots of luxurious freebies.

Think tanning beds, massage chairs or complimentary personal training sessions.

Get down there, and treat yourself!

Day 22: Take the First Baby Steps to Investing

Marriage makes you think about the future. A lot. A big part of preparing for your financial future is investing. Now that you’ve invested in that ring, it’s time to go further.

Consider starting an investment account through Acorns.

You can start small and stack up change over time with its “round-up” feature. That means if you spend $ 10.23 at the grocery store, 77 cents gets dropped into your Acorns account.

Then, the app does the whole investing thing for you.

The idea is you won’t miss the digital pocket change, and the automatic savings stack up faster than you’d think. For example, we reviewed how Penny Hoarder Dana Sitar was able to save at a rate of $ 420 a year!

At that rate, you could set aside $ 1,000 in about two and a half years — without trying.

The app is $ 1 a month for balances under $ 1 million, and you’ll get a $ 5 bonus when you sign up.

Day 23: Optimize Your Credit Card Rewards

So you want a credit card, but there are too many to choose from. What to do?

Should you leaf through your junk mail and just accept one of those credit card offers that show up in your mailbox? That would be quick and easy, right?

No, no, a thousand times no! Don’t do that. That’s a good way to end up unhappily shackled to a credit card that’s all wrong for you.

At least one in five cardholders are carrying around a credit card whose fees and rewards don’t match their actual spending habits, according to a 2016 study from J.D. Power.

To help you avoid becoming a statistic, here’s our guide to everything you need to know about credit cards — including how to pick the one that’s right for you.

Day 24: Focus on Some Extra Cash

You and your spouse take the most awesome pics, right? If you have a smartphone and a photographic eye, making money might have just gotten a lot easier.

An app called Foap lets you turn your smartphone photos into cash.

Here’s how it works:

  1. Download the free app and create an account.
  2. Take a quality photo and upload it to Foap’s marketplace.
  3. Someone buys the license to your photo for $ 10. You make $ 5.

If your photo sells 20 times, you make $ 5 each time and end up with $ 100 in your pocket — all for about five minutes of work and probably a nice stroll in the park with your spouse. Pretty cool, right?

Day 25: Put Your Bills on a Diet

Good news: As a married couple, you’ll share bills. Bad news: They’re still bills.

The price of internet — and cable, if you’re still into that kind of thing — certainly isn’t decreasing. If anything, prices are steadily climbing.

And if you’ve had to chat with a representative from your internet/cable company recently, you know how long you can sit on hold.

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

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

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

Also, if you have any outages, Trim believes you deserve a credit, and it’ll handle that for you. Trim takes 25% of the savings tab, and you get the rest.

26: Go Window Shopping, and Earn Gift Cards

No extreme physical activity or pulled muscles required for this money-making trick that’s fun for couples. All you need to do is download the Shopkick app.

Once you sign up, the app pays you in “kicks” for walking into certain stores (including Walmart, Target, TJMaxx and more). You can redeem them for gift cards to a number of retailers, including Amazon, Target, Walmart, Starbucks, Sephora and Best Buy.

It pays you even more kicks for photos of receipts that include qualifying items you purchased in-store with a connected credit or debit card. You can also earn kicks for online purchases. You don’t have to do anything; your linked cards will automatically apply your kicks.

But don’t make the mistake of buying things you don’t need just for kicks, you know better than that.

Once you’ve earned your gift cards, you can enjoy them with a little quality time together.

Day 27 and 28: It’s the Weekend! Go to a Park

When’s the last time you went to the public park in your area?

You might be able to walk nature trails, goof around on a swing set, or just sit and watch the leaves fall. Take the time to simply be together and enjoy nature. It’s relaxing and relationship-building.

Day 29: Plan for a Bad Day. Seriously.

Few things stress marital bonds like sudden financial drama. A car breaks down. Someone breaks a toe, and medical bills pile up. The roof starts to leak.

The simplest way to avoid letting life’s little mishaps turn into financial disasters is to start an emergency fund. It’s simply a bank account with enough money to get you through a minor emergency or surprise bill.

But if you’re going to save, you might as well make some interest on that money, right?

An iOS app called Varo Money combines traditional banking tools with modern technology to help its customers become financially healthy.

Here’s the best part: Pair your Bank Account with a Varo Savings Account where you’ll earn 1.75% annual percentage yield. That’s nearly 30 times — repeat, 30 times — the average savings account, based on a 0.06% average reported by CNN Money.

Day 30: Play the Slots — and Earn More Interest Than at Your Bank

It’s Day 30!! Go ahead; relax, and play some games. But you’re not done helping your finances just yet.

The folks who created Long Game have you covered with a game that’s fun and helps you achieve your financial goals.  

As you save and accomplish missions, you’ll earn coins to play mini games for cash prizes. We’re talking the classics, like slot machines, scratch-offs and spin-to-win wheels.

Once you link your bank account, you’ll earn 300 coins, so you can start playing while you wait for payday. If you sign up before Nov. 30, 2018 and enter the code PENNY5, you’ll also get a bonus $ 5 in your account!

You Did It!

See, that wasn’t so bad, was it? When you start thinking long-term, you need to think about your finances. When you bring someone else into the picture, it becomes even more important.

Tackling a few of these items can help set you up for a much better financial future. That’s worth a month’s work, right?

Now… let’s talk about having kids.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. Catch him on Twitter at @Tyomoth.

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.

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

The Penny Hoarder

BEST DEAL UPDATE:

Sam's Club Membership Offer

Grant ‘Twiggy’ Baker Wins Big Wave Tour Nazaré Challenge

WSL PRESS RELEASE

NAZARÉ, Portugal (Friday, November 16, 2018) – Two-time Big Wave Tour Champion Grant ‘Twiggy’ Baker (ZAF) won the World Surf League (WSL) Big Wave Tour (BWT) Nazaré Challenge today in the incredible 25-to-40-foot surf at the infamous Portuguese big-wave venue of Praia do Norte, Nazaré.

The event launched early this morning in glassy conditions with 25-foot-plus wave-faces around the high tide mark and as the tide dropped conditions got heavier and heavier to culminate with large surf in the 35-to-40-foot range, with occasional larger sets. Mike Parsons, Big Wave Tour commissioner has granted this event a Silver coefficient, meaning results in Nazaré will carry a 10% increase in points (e.g. 11,000 points for the winner).

A relatively discrete surfer in the opening round and the Semifinal, advancing in third place in both heats, the South African from Durban peaked at the exact right time to pull off some of the most incredible drops and rides seen all day in Nazaré during the Final. The tall and powerful regular foot went both to his forehand and backhand in the Final to score an incredible 8.67 and 7.70 on his way to a first victory in Portugal.

Nazaré Challenge 2018
Grant Baker (ZAF) Winner of the Nazaré Challenge 2018

“I don’t believe it, this is insane,” Baker stated. “These kids were going so hard today and I can’t believe I’ve still got that in me. That 8.67 was the wave I’d been waiting for, it came right to me and I ended up being super late, it was a crazy big section. What a day, just perfect, perfect Nazaré, it’s a dream. Lucas (Chianca) was the man to beat and Natxo (Gonzalez) got that crazy barrel in the semis, somehow I got lucky and I got out on top!”

The 2013 and 2016 Big Wave Tour Champion, Baker has time and time again proven to be a threat in all conditions when the waves hit maximum heights. Today he came out on top of one of the best days of big wave professional surfing ever seen.

The Final got underway quickly with good rides from most surfers, but undoubtedly Lucas Chianca (BRA), the defending event champion in Nazaré, got the better of the early exchanges. The young Brasilian posted a 7.17 and 6.23 to take a strong lead early on and continued to play with the massive lefts he’d been dominating since early this morning. His ability to drop late into the steep walls impressed as he navigated some of the best waves of the day.

Baker answered with good lefts at first, going back up into the wall to score turns on the shoulders for his first two scores. He then switched to the rights, to pull two huge drops into shorter rides to continue to build momentum.

Natxo Gonzalez (EUK) waited 30 minutes to start on his first wave, but his patience paid off as he launched into one of the most critical rides of the Final to post an 8.17 and position himself in second position. João De Macedo (PRT), Russell Bierke (AUS) and Alex Botelho (PRT) had a slower start to their heat and kept chasing waves.

Gonzalez moved into the lead with a second left quickly after, but Baker replied with a huge wave on his backhand, threading the face in a perfect line to post an excellent 8.67 and move ahead of the Basque surfer, relegating Chianca to third. The Brasilian found an excellent wave of his own to move into second with an 8.07.

The last three surfers started getting better waves in the 6s and 7s to stay in fighting distance of the lead while Baker, Chianca and Gonzalez continued to surf their own heat. But as time ran out, the situation remained unchanged and Grant ‘Twiggy’ Baker walked away with the win, closely followed by Chianca and Gonzalez. Botelho claimed fourth place, De Macedo fourth and Bierke fifth in his first-ever Big Wave Tour event.

In his second year on the Big Wave Tour, Lucas ‘Chumbo’ Chianca (BRA) dominated his first two heats to qualify for the Final, and score the second-best single score of the day, a near-perfect 9.60 for a backhand barrel in Semifinal 1. Unfortunately the Brasilian couldn’t quite find the same opportunities for massive scores in the Final heat and placed runner-up behind Baker.

“I’m super stoked but I didn’t fully accomplished what I came here to do,” Chianca said. “It was a perfect day and everyone was stoked to see these waves break. It’s a great way to start the season and I’m incredibly excited about the rest of the season. Twiggy is such a legend and a real idol I’ve looked up to when I was younger so to compete with these guys now I’m stoked.”

Third place finisher Natxo Gonzalez (EUK) had previously ridden the wave of his life in Semifinal 2, locking in a deep barrel with a high line on an impressive lefthander that came up abruptly next to the cliffs. The Basque surfer is building himself a solid profile on the big wave scene and will be one to watch as he takes on his first full season on the tour.

“After getting that 10 my day was pretty much over, I didn’t really care about anything else to be honest,” Gonzalez said. “I got one of the best waves of my life, in front of thousands of people including my friends and family so things don’t get much better than that.”

Competition reached a climactic high in the Semifinals as waves started opening up, giving surfers a rare opportunity to get barreled at Nazaré when the waves are that big. Portuguese surfer João De Macedo was the first to capitalize with an impressive 9.20, Chianca followed with a 9.60 and Gonzalez pulled off the impossible with his perfect 10 point ride in the following heat.

Last year’s Big Wave Tour Champion Billy Kemper (HAW) bowed out in Semifinal 1 alongside compatriots Nathan Florence (HAW) and Ian Walsh (HAW).

2018/2019 Nazaré Challenge Final Results:
1 – Grant Baker (ZAF) 25.04
2 – Lucas Chianca (BRA) 23.31
3 – Natxo Gonzalez (EUK) 22.71
4 – Alex Botelho (PRT) 22.06
5 – Joao De Macedo (PRT) 20.87
6 – Russell Bierke (AUS) 18.89

2018/2019 Nazaré Challenge Semifinal Results:
SF 1: Lucas Chianca (BRA) 25.63, João De Macedo (PRT) 25.40, Russell Bierke (AUS) 21.47, Nathan Florence (HAW) 20.76, Billy Kemper (HAW) 18.23, Ian Walsh (HAW) 18.00
SF 2: Alex Botelho (PRT) 26.33, Natxo Gonzalez (EUK) 26.03, Grant Baker (ZAF) 21.60, Kai Lenny (HAW) 20.33, Nick Lamb (USA) 14.00, Jamie Mitchell (AUS) 2.50

2018/2019 Nazaré Challenge Round 1 Results:
Heat 1: Lucas Chianca (BRA) 22.31, Billy Kemper (HAW) 17.23, Nathan Florence (HAW) 16.91, Francisco Porcella (ITA) 14.63, Greg Long (USA) 13.77, Antonia Silva (PRT) 8.36
Heat 2: Ian Walsh (HAW) 24.34, Russell Bierke (AUS) 14.86, João De Macedo (PRT) 13.84, Tom Lowe (GBR) 12.16, Rodrigo Koxa (BRA) 9.36, Will Skudin (USA) 3.80
Heat 3: Jamie Mitchell (AUS) 19.57, Kai Lenny (HAW) 16.83, Natxo Gonzalez (EUK) 16.26, Jojo Roper (USA) 14.71, Pedro Calado (BRA) 14.20, Andrew Cotton (GBR) 13.73
Heat 4: Alex Botelho (PRT) 20.37, Nic Lamb (USA) 19.43, Grant Baker (ZAF) 18.13, Makuakai Rothman (HAW) 15.33, João Guedes (PRT) 10.16, Nic von Rupp (PRT) 9.70

The 2018/2019 Big Wave Tour hosts three events: the Nazaré Challenge, the Jaws Challenge, and the Mavericks Challenge. All holding periods for this season are now open and will await the biggest waves until the season’s close on March 31, 2019. For the Jaws Challenge and Mavericks Challenge, the world’s best male and female big wave surfers will await conditions that will produce waves in the 30-to-60-foot range. Once the decision is made to run the event, a “Green Alert” is issued and competitors will have 48 hours’ notice to be ready to compete.

The WSL Big Wave Tour is proudly supported by Surfline, and Corona, with a special thanks to Nazaré Challenge partners Jogos Santa Casa, Visit Portugal, Portuguese Waves, The City of Nazaré, MEO, Hertz, and Praia do Norte.

For more information, please visit WorldSurfLeague.com.

The post Grant ‘Twiggy’ Baker Wins Big Wave Tour Nazaré Challenge appeared first on .

BEST DEAL UPDATE:

Take 15% Off Element products at Shop.Surf. Use Code: ELEMENT15

Ultimate Design Challenge: Vote for a Chance to Win!

The Challenge: We asked two designers to create a room concept using Beauti-tone’s 2019 Color of the Year, Tropic of Conversation. Vote for your favorite today for a chance to win a $ 250 Home Hardware gift card from Beauti-tone!

Yvonne’s Cheerful Bedroom

Yvonne Whelan: For this cheerful, modern bedroom, I started with a warm earthy Antique French floor in Bordeaux and a neutral wall color paired with Beauti-Tone’s Color of the Year, Tropic of Conversation. I would use this bold color to paint a sliding barn door for a stunning feature. Furniture and accessories in bold, black and white patterns give the space a very modern feel. A few pops of orange carry the barn door color throughout the room without over complicating the look.– Click here for more information and sources.

Jacklynn’s Contemporary Living Room

Jacklynn Little: My inspiration started with the Color of the Year from Beauti-tone called Tropic Of Conversation and a beautiful French Antique floor in Bordeaux. I added hot pink to both balance out the bright orange and give the room a bold look. The sofa is a neutral shade of cream which gives great contrast to the wall color. Pillows in orange and pink fabrics in a variety of patterns will make this room both contemporary and fun to live in. A luxurious rug pulls together all the colors in the room and the gold coffee table and side tables give the look an elegant feel.- Click here for more information and sources.

ENTER TO WIN:

Use the widget below to vote for your favorite design board and then earn extra entries using the listed options! One lucky contestant will win a $ 250 Home Hardware gift card from Beauti-tone!

a Rafflecopter giveaway

The post Ultimate Design Challenge: Vote for a Chance to Win! appeared first on Home Trends Magazine.

Home Trends Magazine

BEST DEAL UPDATE:

What is the Rickshaw Challenge 2018, what’s the route, who is taking part in Children in Need and how can I donate?

CHILDREN in Need 2018 is finally here and with it comes the annual Rickshaw Challenge, headed up by a team of teenage cyclists.

Here is everything you need to know about what the challenge is all about…

Meet the 2018 Rickshaw Challenge contestants
Meet the 2018 Rickshaw Challenge contestants

What is the Rickshaw Challenge?

The One Show’s Rickshaw Challenge has returned for the eighth year and launched on Wednesday, October 10.

A team of six young people, who have been supported by BBC Children in Need-funded projects, will be joined by Matt Baker on the eighth day.

The challenge itself started on Friday, November 9 and came to an end on Friday, November 16.

They will cross the finish line in time for this year’s Children in Need Appeal Show.

What is the route for the 2018 challenge?

The 2018 Rickshaw Challenge began on Friday, November 9 in Calais, France.

They then pedalled 31 miles through the service tunnel of Channel Tunnel, which has only been used by professional cyclists before.

From there, to complete Day One, they headed from Folkestone to Ashton.

Day Two saw the cyclists travel from Ashford to Linfield and then spend Day Three working to get to Hook.

On Day Four, their journey took them to Royal Wootton Bassett.

Then, they cycled to Malvern on Day Five and to Ironbridge on Day Six.

After travelling to Chester on Day Seven, the challenge came to an at Salford Quays on Day Eight.

Alex and Matt
Alex and Matt are joined by Maisie who will be taking part in the Rickshaw Challenge

Who is taking part in the Rickshaw Challenge this year?

The Rickshaw challenge features a diverse and inspiring group of young people from all different backgrounds.

Abbie, 16, is from London and was diagnosed with non-Hodgkin’s Lymphoma at the age of 12. She fought her cancer diagnosis with various treatment methods and finally heard happy news in October 2015. Throughout her journey, she was supported by Teens Unite, which runs motivational workshops for young people following a cancer diagnosis and helped rebuild Abby’s confidence.

Harry, 17, is from Plymouth and was diagnosed with quadriplegic Cerebral Palsy and Worster-Drought Syndrome at the age of one. He’s had multiple surgeries to help him use his legs more easily. Harry also struggles with communication. He’s been supported by Friends and Families of Special Children, which supports disabled children and their families. He is determined to show the world that he can do anything through the Rickshaw Challenge.

Kayla is a 16-year-old from Derry. Kayla’s mother has passed away from an alcohol-related disease following her battle with alcoholism and her father suffers from a rare flesh-eating bug. She cares for his dad and has been supported by Bogside and Brandywell Health Forum which provides a safe space for young people and empowers them.


Kieran, 18, is from South Wales and cared for his mum and younger siblings throughout his youth until he was unable to cope. By 13, Kieran was placed in foster care and started attending The Hwb Torfaen, a project that supports young people to encourage skill development and volunteering.

Maisie, 16 is from Southampton and has achondroplasia, the most common form of dwarfism. She has gone numerous operations to ease her movements and straighten her leg. At the age of 4, Maisie was introduced to Dwarf Sports Association and says it’s had a really positive influence on her life.

Phoebe, 19, is from Leicester and has had a stammer since she was 8. It made her feel isolated and impacted her self-confidence. She was supported by Action for Stammering Children which helped her gain confidence while communicating and provided a support network.

When is Children in Need 2018?

Children In Need is held in November each year.
The Appeal Show 2018 can be watched on Friday, November 16.


TV and Showbiz – latest celebrity news, gossip, photos, TV and film reviews | The Sun

BEST DEAL UPDATE (UK):

The Biggest Challenge for Hudson’s Bay’s New CEO? Deciding What Not to Do

Hudson’s Bay certainly isn’t a new company, but it does have a fairly new CEO with some new ideas for the company.

Helena Foulkes has been at the helm of Hudson’s Bay less than a year and she’s already made several moves to push the company into a new era. Hudson’s Bay, which owns Saks Fifth Avenue and Lord & Taylor, was founded in 1670, and–in Foulkes’s mind–it has a bit of catching up to do.

“I think the thing that has been hardest is deciding what not to do,” Foulkes said Monday at Fortune’s Most Powerful Women International Summit in Montreal. “There were a lot of opportunities when I arrived and big decisions to be made, and almost every night I left saying, ‘Wow, I seen an opportunity there, there, there. And I had to pace myself and my team to decide which things mattered the most and what I could put to the side.’”

Since taking over in February, Foulkes sold off the remaining part of Lord & Taylor’s flagship New York store (a large part of the retail space was already sold prior to Foulkes’s tenure), she sold off Gilt Group, and entered into a joint venture with the company’s biggest competitor in Europe.

Foulkes said on Tuesday that Hudson’s Bay and Saks have had strong performances. Lord & Taylor, meanwhile, is need of some revitalizing.

“Lord & Taylor is a business where our shoppers, they love it. The problem is there aren’t enough of them,” Foulkes noted.

She also touted Hudson’s Bay’s digital presence, but admits there’s still room for improvement. However, she’s not worried the 348-year-old company is danger of falling the way of other ill-fated retailers like Sears.

“Here’s a great example of what not to do,” Foulkes said she told her staff upon news of Sears’ bankruptcy filing. “I think it’s a really interesting example of a company that prided itself on its amazing real estate, but forgot to be a great retailer for its customers, and at the end of the day that’s what matters.”

Fortune

SPECIAL NEWS BULLETIN:

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

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!

Ohio Democrat Tim Ryan might challenge Nancy Pelosi for speaker if Democrats win the House

"No decisions have been made regarding leadership, but Rep. Ryan has left the door open on the matter," said a Ryan staffer. A senior Democratic aide close to Pelosi responded by calling Ryan a "self-promoter."
Politics

BEST DEAL UPDATE:

Save 50% Today! Get 24/7 Access to Your Credit Scores & Reports with TransUnion

Save The Waves Announces Global Contest, The “Dirty Wave Challenge”

SAVE THE WAVES TO HOST THE DIRTY WAVE CHALLENGE THROUGH ENDANGERED WAVES APP

Global contest to identify and clean the dirtiest surf location.

Davenport, Calif., (October 20th, 2018) – Save the Waves Coalition is proud to announce the launch of the Dirty Wave Challenge, a cash prize and a five thousand dollar stewardship fund that will be awarded to the dirtiest and trashiest surf ecosystem identified on the organization’s Endangered Waves App. The challenge opens October 20th, 2018 and closes on November 20th, 2018.

Launched in early 2018, the new smartphone App empowers surfers and beachgoers to monitor the world’s coastlines and surf ecosystems. Winner of best conservation mobile app in the HeroX competition by XPRIZE, the Endangered Waves App is available for iOS and Android devices.

The Dirty Wave Challenge is simple: capture a photo of the dirtiest and trashiest surf ecosystem, upload it to the app, and the winning photo will receive a cash prize and a day of stewardship with Save The Waves and partners to clean it up.

“There are approximately 31 million surfers worldwide, and they are the front line for our coastlines for climate change, trash, sewage, and other issues. Imagine if this entire community was mobilized to track and report coastal threats,” said Save The Waves Executive Director, Nik Strong-Cvetich.

The goal is to collect data and mobilize beachgoers and the surfing community around the key issues facing our coastlines, with this first challenge focusing on marine debris. Save The Waves Coalition plans to use the photos and data collected to better track and prioritize coastal threats, educate users, and share with coastal agencies and partners to take action worldwide.

“The Dirty Wave Challenge will help us fill the gaps in much needed coastal data and broaden our stewardship reach,” said Strong-Cvetich.

To Enter the Dirty Wave Challenge:

  1. Download the Endangered Waves Mobile App: www.savethewaves.org/mobileapp

  2. Using the App, take a picture of a surf ecosystem trashed with garbage, plastic or marine debris and use a common item for scale such as a person, a surfboard, your hand, etc.

  3. Select the Dirty Wave Challenge entry button, write a brief description, select your location, enter an email address, and submit.

  4. Share your submission on social media with the #dirtywavechallenge

  5. Each participant is only allowed 1 entry per challenge, but please have multiple photos of the issues available to validate entry.

 

The Dirty Wave Challenge is proudly supported by MJD Interactive, WSL Pure, and XPRIZE.

 

About Save The Waves Coalition

Save The Waves Coalition protects and preserves the coastal environment with a focus on the surf zone, through a unique combination of protected areas, economics, and direct action. See more at www.savethewaves.org

The post Save The Waves Announces Global Contest, The “Dirty Wave Challenge” appeared first on .

BEST DEAL UPDATE:

Take 15% Off Element products at Shop.Surf. Use Code: ELEMENT15

Democrats Eager to Find Candidate to Challenge Susan Collins in Maine

Alex Wong/Getty

Moments after Sen. Susan Collins (R-ME) announced her decision Friday to vote in favor of Judge Brett Kavanaugh’s appointment to the Supreme Court, the race to challenge her in 2020 began.

No Democrat declaratively said that they would take on Collins, who has served since 1997, but a host of names were almost immediately on the lips of operatives in the state and nationally, now eager to find a serious challenger in a state where partisan alignments vary wildly from district to district.

Sara Gideon, the current speaker of Maine’s House of Representatives, intimated in a Facebook statement that she will consider taking on Collins.

Read more at The Daily Beast.

Got a tip? Send it to The Daily Beast here

The Daily Beast Latest Articles

SPECIAL NEWS BULLETIN:

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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!

Chrissy Teigen Takes a Different Approach to the ‘Hot Ones’ Challenge

Chrissy Teigen is next in line to step up to the Hot Ones challenge. The self-proclaimed “wing and hot sauce freak” tackles the spicy plate with a peculiar strategy to best the notable food obstacles. Throughout the episode, Teigen discusses her meme-generating facial expressions in addition to her own cookbook and chefs that she admires. She also adds her own suggestions to make Mario Kart Odyssey a better game and relays her favorite Twitter battles.

Watch Chrissy Teigen take on the Hot Ones challenge above and let us know your thoughts. In related news, check out how Kevin Hart and Tiffany Haddish switch things up on Hot Ones: Truth or Dab.

Read more at HYPEBEAST




HYPEBEAST

BEST DEAL UPDATE: