A.I. Could Widen Economic Disparity Between Urban and Rural Areas, Brookings Report Warns

Among the key factors driving the economic divide in America is the rise of technology that has eliminated many jobs through automating manufacturing tasks. A new report from the Brookings Institution warns that, thanks to the rise of artificial intelligence, economic disparity between coastal cities and heartland regions is about to get even worse.

The 2016 Presidential election served as a wake-up call to the economic effect that the automation of many routine jobs is “massively rearranging the nation’s economic geography,” says the report, written by Brookings Senior Fellow Mark Muro.

“The 2016 election may go down as the first time society began to grasp the full implications of automation’s potential to transform the physical world,” Muro wrote. “As big, techy cities like New York, Washington, and the Bay Area seemed to increasingly inhabit a different world from the rest of America, the people and places that were ‘left behind’ revolted.”

Since then, the field of A.I. has made gains in developing machine-learning tools that could automate even more jobs. Brookings looked at the kinds of jobs that could be replaced by A.I. applications, namely, ones that involve more routine or repetitive work in manufacturing and service industries alike. The bottom line of jobs at risk of automation: They already pay some of the lowest wages today.

Jobs that were more vulnerable to automation were more likely to be found in rural towns like Kokomo, Ind., and Hickory, N.C., the report said, while those in coastal cities like San Jose and the District of Columbia were more likely to be safe.

“Less-educated heartland states and counties specialized in manufacturing and low-end service industries could be especially hard-hit by automation in the A.I. era, whereas well-educated states and counties along the Boston-Washington corridor and on the West Coast appear less exposed,” the report said. “In parallel fashion, smaller, less-educated communities will struggle relatively more with A.I.-phase automation, while larger, better-educated cities will experience less disruption.”

In response, Brookings urged government and industry leaders to focus on strategies such as expanding support for communities to cope with job automation and “future-proofing” workers by teaching skills that are more resilient to automation.

The report comes a few days after the Trump administration unveiled a vague A.I. initiative that will spend on artificial intelligence and train workers in computer science. Apple CEO Tim Cook and IBM CEO Ginni Rometty have joined Trump’s advisory board on A.I. and job automation.

Fortune

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John Oliver Booed on Colbert for Admitting Trump Could Be Re-Elected in 2020

Scott Kowalchyk/CBS

Before he makes his long-awaited return to HBO this coming Sunday, John Oliver kicked off the week on Monday with a sit-down with his old Daily Show colleague Stephen Colbert.

Asked if he’s “feeling good” with high confidence heading into the new season, Oliver laughed and replied, “Confidence high? No. My confidence is never high. Self-loathing high, concern astronomic.” When Colbert noted that Oliver is returning just after what could be the halfway point of Donald Trump’s presidency—saying, “the end is in sight”—he elaborated on those feelings.

“I definitely don’t have that kind of optimism. To say we’re halfway through his presidency I think is to ignore the concept of second term possibility. We are two to six years away from the end his presidency,” Oliver said. As audience members began to boo, he added, “Oh, wow. Are there some big Trump 2024 fans in here?”

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John Oliver Booed on Colbert for Admitting Trump Could Be Re-Elected in 2020

Scott Kowalchyk/CBS

Before he makes his long-awaited return to HBO this coming Sunday, John Oliver kicked off the week on Monday with a sit-down with his old Daily Show colleague Stephen Colbert.

Asked if he’s “feeling good” with high confidence heading into the new season, Oliver laughed and replied, “Confidence high? No. My confidence is never high. Self-loathing high, concern astronomic.” When Colbert noted that Oliver is returning just after what could be the halfway point of Donald Trump’s presidency—saying, “the end is in sight”—he elaborated on those feelings.

“I definitely don’t have that kind of optimism. To say we’re halfway through his presidency I think is to ignore the concept of second term possibility. We are two to six years away from the end his presidency,” Oliver said. As audience members began to boo, he added, “Oh, wow. Are there some big Trump 2024 fans in here?”

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Here’s why medical chatbots could help doctors but won’t replace them

Could Sutter Health's new symptom tracker diagnose my bout of food poisoning? I put it to the test.
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EU copyright reforms ‘could harm creatives’

The EU is a step closer to implementing a controversial copyright law reform that could affect what people share on websites like YouTube after politicians agreed on changes to the proposals.
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The fate of the market this year could be in the hands of the ‘Powell Put’

In a Fed connotation, a put would be a point at which Powell would not let the market fall below before he steps in with more stimulus.
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A Gossip Girl reboot could actually be happening according to CW

And the world is celebrating.

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It may have been six years since Gossip Girl left our screens, but it still feels like it was just yesterday.

And while the show’s end left a Blair and Chuck shaped hole in our hearts, it also left us with a lot of questions.

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Favs! 😩😍❤

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Does Henry Bass have any siblings? How are Serena and Dan enjoying married life? Are Georgina and Jack Bass actually together now? And please tell us that William Van Der Woodsen has been discovered as the biggest villain ever – well, second biggest if we’re counting Bart Bass.

After unanswered calls for a reboot of the CW show, we had all given up hope, but today the news we have all been waiting for finally arrived.

Gossip Girl might well be coming back.

Yes, this is not a drill. We repeat. This is not a drill.

CW President Mark Pedowitz confirmed that there was a conversation about a GG reboot just this week, telling reporters at the TV Critics’ Association press tour: ‘There’s a discussion, but I don’t know if we’re there yet. I don’t know what it would be.

‘A lot is up to Warner Bros. and Josh and Steph, cause you don’t want to do anything without them,’ he continued, referencing Josh Schwartz and Stephanie Savage, the show’s executive producers.

Providing they say yes though, we could well see a GG reunion very soon.

BRB – off to the Met steps to discuss this over yogurt!

The post A Gossip Girl reboot could actually be happening according to CW appeared first on Marie Claire.

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World Record Egg on Instagram could make its creator millions as marketers chase its viral success

According to a report by The Atlantic, marketers are already seeking the opportunity to help brands crack out of the World Record Egg, which some compare to the value of a Super Bowl ad.
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Here Are the Reasons People Believe the Super Bowl Halftime Show Could Bless Fans With a SpongeBob SquarePants Tribute

Thanks to some hints floating around the internet from Maroon 5 and others, SpongeBob SquarePants fans have high hopes that the famous cartoon character might be making a Super Bowl LIII cameo.

One main reason for the theory comes down to a brief appearance of the Pineapple-Under-the-Sea-dwelling creature in a tweeted video that Maroon 5, the headlining Super Bowl 2019 Half Time performers, shared earlier in January. About 30 seconds in, a cryptic, brief snippet of SpongeBob appears.

The SpongeBob fan theories

While SpongeBob and Maroon 5 don’t normally have any particular connection, SpongeBob does have a song — “Sweet Victory” — that was performed in a season two episode of the show called “Band Geeks” by the Bikini Bottom Super Band. Longtime fans think this means “Sweet Victory” may end up on Maroon 5’s set list, or in some other way SpongeBob will be involved in the Super Bowl LIII Halftime Show.

While there’s currently no confirmation one way or another, it’s worth noting that many responses to Maroon 5’s video teaser are related to the potential for a SpongeBob song cameo. And the SpongeBob snapshot in the video is the only cartoon that appears: the rest of the footage is clips of the band’s preparations and performances and hints of Travis Scott and Big Boi, two rappers who will also be featured at the show.

The Episode

There’s more to it, too: a Change.org petition was set up earlier in January calling for a “Sweet Victory” tribute at the Super Bowl. It’s collected nearly 1.2 million signatures so far. The reason? To honor SpongeBob creator Stephen Hillenburg, who passed away in November last year.

The GIF

In another bump for the theory, Mercedes-Benz Stadium’s Twitter account even shared a GIF of SpongeBob dancing in his band outfit all the way back in December, adding fuel to fans’ fire about the potential cameo.

The Bet

People are even betting on it — literally. The odds, according to an online betting pool, are in favor of SpongeBob appearing at the Super Bowl, in particular popping up in an inflatable costume.

In another more under-the-radar hint, according to CNET, Rodger Bumpass, the voice actor behind the character of Squidward, reportedly posted on Facebook that he was going to be making some kind of Super Bowl introduction for the Halftime Show.

SpongeBob fans, at least, were convinced.


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Democrats Say Possible Howard Schultz Presidential Bid Could Help Trump Win Second Term

A number of top Democrats say President Donald Trump could win a second term if former Starbucks CEO Howard Schultz runs for president.

Schultz said he is considering a bid for the 2020 presidential election as an independent during an interview that airs during this Sunday’s 60 minutes.

Democrat Juli?n Castro, who was the Obama administration’s secretary of Housing and Urban Development and recently announced his own bid for the race, spoke out against a possible Schultz run during an interview with CNN’s Jake Tapper.

“I have a concern that if he did run, that essentially, it would provide Donald Trump with his best hope of getting re-elected,” Castro said on CNN’s “State of the Union” Sunday.

Schultz, a Democrat himself, sees his possible run as a way to break from party-oriented politics, according to The Atlantic. He has already spent the past year hiring consultants, The Atlantic reports.

“We’re living at a most-fragile time,” Schultz told CBS’s Scott Pelley. “Not only the fact that this president is not qualified to be the president, but the fact that both parties are consistently not doing what’s necessary on behalf of the American people and are engaged, every single day, in revenge politics.”

Although 57% of American voters now disapprove of Trump’s job, Castro added that the President’s support is about 42% no matter which Democrat ultimately runs against him. If an independent party were to appeal to enough undecided voters, Trump could win the 2020 race.

Other Democrats that have spoken out against the prospect include former Obama senior adviser David Axelrod, Sen. Brian Schatz of Hawaii, and even the Democratic Party of Washington State, the HuffPost reports.

“I would suggest to Mr. Schultz to truly think about the negative impact that that might make,” Castro said.

Fortune

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Trump warns another shutdown could happen

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WATCH: World News 01/26/19: Trump Warns Another Shutdown Could Happen

Nearly 300 people feared dead after Brazilian dam collapses; Blind reverend regains sight after living 14 years in the
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Could you live on your retirement savings for 23 years?

The average retirement lasts more than 20 years. Here’s how to figure out if your savings will last that long, and what to do if you’re in danger of running out of money
ABC News: Health

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For veterans working in US federal prisons, PTSD and government shutdown could be deadly

Stressed by the government shutdown, veterans who work in US prisons struggle to keep their PTSD in check and feel abandoned by the country they served.


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Ratings giant Nielsen wants to sell itself, could fetch $10B

Nielsen Holdings, the TV-ratings research firm, is restarting a process to sell itself, with first-round bids due Friday in an auction that could fetch more than $ 10 billion, The Post has learned. Private equity firms The Blackstone Group and Hellman & Friedman are expected to make a non-binding offer that is a premium to Nielsen’s…
Business | New York Post

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New House Democrats’ Focus On Abortion Rights Could Stymie Work With Senate

For the first time since the Supreme Court legalized abortion nationwide in its 1973 Roe v. Wade decision, the House of Representatives has a majority supporting abortion rights. And that majority is already making its position felt, setting up what could be a series of long and drawn-out fights with a Senate opposed to abortion and stalling what could otherwise be bipartisan bills.

Democrats have held majorities in the House for more than half of the years since abortion became a national political issue in the 1970s, but those majorities included a significant number of Democrats who opposed abortion or had mixed voting records on the issue. A fight among Democrats over abortion very nearly derailed the Affordable Care Act as it was becoming law in 2010.

This new Democratic majority is more liberal — at least on reproductive rights for women — than its predecessors. “I am so excited about this new class,” Rep. Diana DeGette (D-Colo.), co-chair of the Congressional Pro-Choice Caucus, told reporters at a Jan. 15 news conference. “We are systematically going to reverse these restrictions on women’s health care.”

Indeed, the House has taken its first steps to do just that. On its first day of work Jan. 3, House Democrats passed a spending bill to reopen the government that would also have reversed President Donald Trump’s restrictions on funding for international aid organizations that perform abortions or support abortion rights. As one of his first acts as president, Trump re-imposed the so-called Mexico City Policy originally implemented in the 1980s by Ronald Reagan.

But the Senate, where Republicans still hold a slim majority, is not budging. If anything, Republican Senate leaders are trying to push further on abortion. On Thursday, Senate Majority Leader Mitch McConnell called a floor vote on a bill that would ban any federal funding of abortion or help fund insurance that covers abortion costs. Congress routinely adds the “Hyde Amendment” — a rider to the spending bill for the Department of Health and Human Services to bar federal abortion funding in most cases for Medicaid and other health programs — but McConnell’s legislation would have made the provision permanent and government-wide.

When the House was under GOP control, it passed similar measures repeatedly, but those bills have not been able to emerge from the Senate, where 60 votes are required. In the end, McConnell’s bill Thursday got 48 votes, 12 short of the number needed to move to a full Senate debate.

Organizations that oppose abortion were thrilled, even though the bill failed to advance.

“By voting on the No Taxpayer Funding for Abortion Act, the pro-life majority in the Senate is showing they’ll be a brick wall when it comes to trying to force taxpayers to pay for abortion on demand,” said a statement from the Susan B. Anthony List.

The Senate action Thursday was clearly aimed not just at House Democrats’ boast that they would vote to overturn existing abortion restrictions, but also at the annual anti-abortion “March for Life” held in Washington on Friday.

“I welcome all of the marchers with gratitude,” said McConnell in his brief remarks on the bill, noting that they “will speak with one voice on behalf of those who cannot speak for themselves.”

But these first two votes are just a taste of what is likely to come.

At a breakfast meeting with reporters Jan. 16, DeGette, newly installed as chair of the oversight subcommittee of the House Energy and Commerce Committee, said that reproductive issues would be a highlight of her agenda.

Meanwhile, Rep. Barbara Lee (D-Calif.), the other co-chair of the Pro-Choice Caucus, and Nita Lowey (D-N.Y.), the first female chair of the House Appropriations Committee, announced they will introduce legislation to permanently eliminate both the Hyde Amendment and the Mexico City Policy.

In an odd twist, the abortion language in the Mexico City Policy bill passed by the House this month was taken directly from a version approved last June by the Senate Appropriations Committee. Republican Sens. Susan Collins (R-Maine) and Lisa Murkowski (R-Alaska), who generally support abortion rights, joined with the committee’s Democrats to approve an amendment overturning the policy in the spending bill for the State Department and other agencies. The full Senate never voted on that bill.

Still, neither side is likely to advance their cause in Congress over the next two years. The Republican leadership in the Senate can block any House-passed bills lifting abortion restrictions. But the Senate, while nominally opposed to abortion rights, does not include 60 members who would vote to advance further restrictions.

Where things get interesting is if either chamber tries to strong-arm the other by adding abortion-related language it knows will be unacceptable to the other side.

That is exactly what happened in 2018, when the Senate was poised to pass a bipartisan bill to help stabilize the Affordable Care Act’s insurance exchanges. House and Senate Republicans proposed a version of the bill — but with the inclusion of a permanent ban on abortion funding. Democrats objected and the bill died.

Sen. Patty Murray (D-Wash.), who was one of the senators engineering the original bipartisan effort, said at the time, “This partisan bill … pulled the most worn page out of the Republican ideological playbook: making extreme, political attacks on women’s health care.”

It is not hard to imagine how such an abortion rider could be used by either side to squeeze the other, as Republicans and Democrats tentatively start to work together on health issues such as prescription drug prices and surprise out-of-pocket bills.

Abortion-related impasses could also stall progress on annual spending bills if House Democrats keep their vow to eliminate current restrictions like those limiting self-paid abortions for servicewomen or imposing further limits on international aid.

Abortion fights on unrelated bills is almost a certainty in the coming Congress, said Ross Baker, a professor of political science at Rutgers University. He noted that abortion not only complicates health bills, but also sank a major bankruptcy bill in the early 2000s.

“The only question is how it will emerge,” he said. “And it will emerge.”


KHN’s coverage of women’s health care issues is supported in part by The David and Lucile Packard Foundation.

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Alexandria Ocasio-Cortez could probe banks’ earnings

Freshman Congresswoman Alexandria Ocasio-Cortez is now a member of the House Financial Services Committee, which oversees the nation’s banks and financial institutions. And California Congresswoman Maxine Waters is chairing that committee. And I think it’s going to be a hoot. Ocasio-Cortez has already proposed taxing very rich people at a 70 percent rate. And bankers…
Business | New York Post

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Here’s Why More Expensive Cloth Diapers Could Be Worth It

Babies might be small and cute, but they can also be expensive.

One of the easiest ways to save money on baby gear (and be eco-friendly) is to invest in a cloth diaper stash rather than using disposables. While you pay more money upfront for cloth diapers, you’ll save money over the course of your baby’s journey from infant to potty-trained preschooler.

I’m currently on my second cloth-diapered kid. My husband, Ben, and I used them with our daughter, Rose, from the time she was a newborn until she was potty trained at age 3. Now, we use cloth diapers on our son, Liam (3 months), and plan to do so until he is potty trained as well.

When building our stash, I was pretty overwhelmed by the types of diapers available and the various brands at different price points. Now, I’m a cloth diaper pro. I know what works for me and what I’m willing to pay. I decided to talk to some of my mom friends who have used cloth diapers to see which brands they recommend.

Budget-Friendly Diapers

detail of a pocket cloth diaper
Pocket diapers consist of a diaper cover and inserts that you stuff inside. Sharon Steinmann/The Penny Hoarder

If you’re thinking of trying cloth diapers but don’t want to invest too much in case it’s not for you, consider buying a few cheaper pocket diapers to take for a trial run. Pocket diapers consist of a diaper cover and inserts that you stuff inside that cover. You’ll need to wash the cover and inserts after each use.

I bought a lot of KaWaii Baby diapers on eBay before Rose was born and used them with her until she was potty trained. I am using them with Liam as well and find them to be just as absorbent. I paid $ 110 for 24 diapers, which works out to $ 4.58 per diaper.

I could have stuck with Rose’s diaper stash for Liam, but I decided to invest in some new prints. I found a couple of brands on Amazon that offered a variety of cute prints for cheap.

Alva Baby offers affordable pocket diapers. You can buy a pack of six diapers with 12 microfiber inserts from Amazon for $ 39.99, or $ 6.67 per diaper. Alva Baby has a lot of different print choices, all of which are very cute and very affordable.

I also got a pack of six Mama Koala diapers with six microfiber inserts for $ 39.99, or $ 6.67 per diaper. The prints I got featured different types of food, from pizza and tacos to avocado toast with eggs (it was the latter that made me purchase them, to be honest).

Another good way to build a diaper stash on a budget is through local consignment sales. These sales allow local moms to sell their gently used baby and kid clothes and toys, and you can find great deals on diapers if you’re lucky. Local cloth diaper stores might also have consignment sales where you can find deals. My local store, Samozrejme, holds quarterly “re-stash” sales where you can score gently used cloth diapers for cheap.

My friend Alexis Goodwin found another way to go the cloth-diaper route on a budget with prefolds (a rectangular-shaped cloth diaper with an absorbent pad sewn in the middle). “I used covers and prefolds so I could reuse the covers multiple times versus a single use,” she told me. “I believe the prefolds I used were cotton. I added a homemade liner of fleece to help keep [my baby] dry by wicking away the moisture. This also made it easier, when we started solids, to get rid of poop.”

You can buy prefold diapers very cheaply, so diapering this way is a great budget option. And you’ll only need to wash the prefolds after each use rather than both the insert and the cover.

Mid-Priced Diapers

detail of Thirsties cloth diaper covers
Thirsties cloth diaper covers are a good mid-range option for cloth diapering. Sharon Steinmann/The Penny Hoarder

If you decide to go the prefold-diaper route, Goodwin recommends Thirsties covers as a good mid-range option. You can buy these new for around $ 12 each, which is more expensive than the budget brands mentioned. But since you can use the diaper covers multiple times and just replace the prefolds when they are soiled, you’ll need fewer covers than if you go with pocket diapers or all-in-one options (where the cover and insert are permanently attached).

Another mid-range diaper brand Goodwin recommends is Rumparooz. She used the newborn-size covers, but you can also get one-size diaper covers that fit from six to 35 pounds. Rumparooz newborn covers cost $ 10 each, and one-size covers cost $ 14.

Buying mid-priced diapers still works on a budget if you go the cover-and-prefold route. Depending on how many covers you buy, you could end up spending less than you would if you bought a budget brand pocket diaper stash.

Splurge-Worthy Diapers

detail of a Grovia diaper
GroVia diaper covers are pricey but they are versatile because they can be used with inserts that snap into the shell as well as with prefold diapers. Sharon Steinmann/The Penny Hoarder

As with anything, you can spend a lot of money on cloth diapers. But sometimes, spending more on a pricier brand might be worth it.

“I loved my GroVia shells,” said Goodwin. “My littlest was a skinny baby with skinny legs. These fit her perfectly from about two months until she potty trained. They had such cute prints, too! If money wasn’t an issue, I’d [recommend buying] GroVia covers and inexpensive prefolds.”

The nice thing about GroVia diaper covers is that you can buy inserts to snap in rather than using prefold diapers. The shells and inserts cost $ 16.95 each, or you can buy GroVia prefolds at $ 8.95 for a pack of three.

My friend Kathryn Dowell swears by AppleCheeks diapers. This Canadian company offers sized diapers as well as one-size diapers. Prices range from $ 20.75 to $ 24 per diaper cover. You can use them with cheap prefolds or stick with AppleCheeks brand inserts, depending on your budget.

“[AppleCheeks’] customer interaction and community… is a large part of why I choose them. But the company aligns with a lot of my beliefs in other ways. They are produced in Canada and hire local seamstresses,” Dowell explained.

Dowell first discovered AppleCheeks when a friend sold her a starter stash for half the retail price. She was so impressed with the company and the quality of the product that she quickly became a convert.

“The quality will last through several children,” she said. “[They are often] available on sale.” This can range from 15% off a regular diaper to 40% off a discontinued color.

Splurging on pricier diapers might be painful at first, but if you plan on cloth diapering through two or more kids, it could be worth the upfront cost.

Whether you stick to budget brands or splurge on more expensive ones, cloth diapering your kid can save you big in the long term (not to mention saving a bunch of disposable diapers from entering a landfill).

The great thing about cloth diapers is that you can resell them when you don’t need them anymore. So even if you spend big in the beginning, you can recoup some of that money once your kids are potty trained.

Catherine Hiles first started cloth diapering to do her part for the environment. Now, she can’t imagine using disposable diapers as a full-time option.

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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EU tax on big digital companies could be struck by March: French minister

A European Union-wide tax on the world’s top digital companies could be reached by the end of March, French Finance Minister Bruno Le Maire said in an interview published on Sunday.


Reuters: Technology News

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Leaving Your Bank in 2019 Could Save You $360. Here’s How

When’s the last time you were slapped with a bank fee?

Maybe you didn’t maintain that insanely high minimum balance, or you accidentally overdrafted by 99 cents, Or you might’ve used an out-of-network ATM out of desperation.

You’re not alone.

Big banks make big bucks off these fees. Looking at overdraft fees alone, banks collected $ 6.4 billion from Americans in 2016, according to a CNN analysis.

The average overdraft fee these days hovers around $ 30, according to the Consumer Financial Protection Bureau. That’s approximately 10 small Starbucks lattes. Or 30 items off the McDonald’s dollar menu — one snack a day (though we don’t really recommend that health-wise).

Bottom line: We’re losing a lot of money in fees.

And if you’re a moderately frequent overdrafter (defined by the CFPB as someone who overdrafts once a month), then you’re handing over $ 360 in fees each year.

The good news is that there are some very nice accounts out there that won’t charge you overdraft fees — or nearly any fees for that matter — like Aspiration.

This Unicorn of an Account Doesn’t Charge Insane Fees

The Aspiration Account is an online-only account with no monthly fees, no minimums and pays 1% APY.

Yep! Instead of getting charged fees, you can actually earn money with this account.

Here’s a quick rundown of the account’s features and its fees (or lack thereof):

  • Minimum opening deposit: $ 10
  • Minimum balance to maintain: $ 0
  • Monthly maintenance fee: $ 0
  • ATM fee (both domestic and international): $ 0
  • Overdraft fee: $ 0
  • Stop payment fee: $ 0
  • Incoming wire transfers: 82 cents
  • Outgoing wire transfers: 82 cents

(Honestly, there’s Venmo and PayPal these days for those transfers anyways…)

So rather than getting tangled in an endless cycle of bank fees, Aspiration’s account actually allows you to sit back and watch your money grow, thanks to that 1% APY you’ll earn on your balance.

So make the switch, save some money and have a happy, fee-free year!

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder. Full disclosure: She banks with Aspiration and loves it!

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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Drive 50 Miles Per Day? Here’s How You Could Save Over $150 Per Month

Do you feel like you spend more time in your car than you do in your home? Do you have a long work commute, oodles of miles while doing your job or run your kids all over town for their extra curriculars? If so, you might feel like you’re watching life through a windshield while you belt out the lyrics to that song you’re hearing for the fifth time today.

That’s OK, especially if you like your car. But are you paying too much for it?

If you’re driving 50 miles per day, it feels better if you know you’re saving money. Here are a few ideas to pay less for your extensive time in the car.

Pay For Better Tunes By Saving at the Pump

Putting on miles means burning through a lot of gas, even with a fuelefficient car.

If you’re a savvy saver, you probably already use GasBuddy to help you find the cheapest gas station in town. It’s an easy — and free — way to avoid overpaying.

A quick look at gas prices on GasBuddy for urban areas such at Tampa, Dallas and Chicago shows you could save as much as 25 cents per gallon just by choosing the right gas station.Wow.

But once you pull up to the pump, here’s something else you can do: Get a discount card from GasBuddy to automatically save 10 cents per gallon on your first purchase (and 5 cents per gallon after that).

The free discount card is tied directly to your checking account. It works at 95% of gas stations throughout the country, so you don’t have to drive around town just to find “your” station. Plus, you don’t have to wait for a rebate — it’s immediate savings.

Simply and securely sign up through GasBuddy. Connect your bank account, enter your address, and GasBuddy will put a card in the mail.

Let’s say you save 25 cents per gallon by choosing the right gas station, plus 5 cents per gallon with the GasBuddy discount card. Based on our 50milesperday scenario, we’ll assume you are driving a sensible vehicle that gets about 30 mpg.

If you drove 30 days per month, you’d need to purchase 50 gallons of gas. If you’re saving 30 cents per gallon, that’s $ 15 per month you’re saving, just in gas. Boom. You just paid for your satellite radio subscription.

Find Out if You’re Paying Too Much for Car Insurance

When’s the last time you looked at your car insurance plan? Don’t just renew your plan because it’s what you’ve always done. See if there is a better plan out there for you, your car and the way you drive.

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. Less than 50% of us do that, according to this survey from The Zebra, though 81% of us report wanting lower rates.

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.

Here’s how it works:

  1. Head over to The Zebra’s search platform. Enter your car’s year, make and model, and your ZIP code. Continue on to answer questions about your driving habits, your car and your life.

On the right sidebar, you’ll watch rates increase or decrease based on your answers. For example, if you’ve gotten into an accident that was your fault in the past three years, your rates will kick up. It’s interesting to see what effect your answers might have.

  1. 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.

When you’re ready to consider your options and select a quote, you can also receive a phone call from The Zebra for additional support.

A nice representative (a real, live human) on the line asks if you want to speak with a specialist. If you’re truly interested in car insurance and want to ask all the questions, this could be the perfect time.

Otherwise, just keep shoppin’ around and weighing options through The Zebra.

You could save up to 50% on your insurance premium. According to ValuePenguin, the national average for auto is $ 941 or about $ 78 per month. Cut that in half, and you just saved $ 39 per month. Your number might even be better!

Get More Mileage Out of Your Car Payments

Highway traffic to Jacksonville, Florida, US

When you bought the car you knew you’d spend a lot of time in, did you scour the banks, credit unions and internet to get the very best rate on your loan? If you’re like most people, you probably took the financing offered by the dealership, and that’s OK. But you could do better.

You might be able to save a nice chunk of change by refinancing your auto loan. The problem is that’s normally kind of a pain.

With auto refinancing, the biggest hurdle is the process of re-titling your vehicle, which involves dealing with your local DMV. And oh, my God, who wants to mess with that?

Never fear — MotoRefi’s digital platform handles all that technical stuff so you don’t have to. In a matter of minutes, you could qualify for a lower monthly payment, lower interest rate, or both.

MotoRefi partners with lenders — like community and regional banks — that can offer you the best rates. Once you choose a lender, MotoRefi handles all the paperwork, including the cumbersome re-titling process.

MotoRefi says it’s saving the average customer $ 100 per month or more. Checking for potential savings won’t impact your credit score.

MotoRefi is available in California, Connecticut and Michigan.

Your Savings Add Up — Just Like The Miles

See how easy that was? Let’s tally the score.

Gas savings: $ 15 per month

Insurance premium savings: $ 39 per month

Car payment savings: $ 100 per month

Grand total: $ 154

Your savings may be a bit less, or they could even be more, depending your car and how much you drive. Considering just how much time you spend behind the wheel listening to the radio play that super popular song over and over, taking a few minutes to discover your savings possibilities could hit just the right note.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. He drives 70 miles every day to his awesome job. 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.

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California’s economy could suffer if the government shutdown drags into February

The partial federal government shutdown comes at a time when California's agriculture sector is already reeling from President Donald Trump's trade war with China.
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This could be the last we see of Rob Gronkowski

He already successfully completed one somewhat unexpected comeback. A second is in doubt. A year after contemplating retirement, Rob Gronkowski is again expected to seriously debate hanging up his big cleats, NFL Network reported Sunday, citing people close to the Patriots tight end. The 29-year-old made it through this season, a humdrum 11-5 one that…
Sports | New York Post

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Trump could take billions from disaster areas to fund border wall

Under the proposal, Trump could dip into money set aside to fund civil works projects all over the country including storm-damaged areas of Puerto Rico.
Economy

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‘The Pain Is Too Much.’ Andy Murray Says Australian Open Could Be His Last Tournament

(MELBOURNE, Australia) — A tearful Andy Murray says the Australian Open could be his last tournament because of a hip injury that has hampered him for almost two years.

The three-time Grand Slam champion says he plans to start his opening match against No. 22-ranked Roberto Bautista Agut at the Australian Open, where he has reached the final five times but never won the title.

“I’m going to play (in Australia) — I can still play to the level,” Murray said. “Not a level I’m happy playing at — but also, it’s not just that. The pain is too much really.”

Murray had right hip surgery in January 2018 and, after two brief attempts to return to the tour, played only 12 matches in the year.

He returned at the Brisbane International last week, where he won his opening match but lost in the second round to Daniil Medvedev, showing visible signs of limping between points.

The 31-year-old Murray, who ended long Grand Slam droughts for British men and also won the Olympic gold medal, had hoped to play the first half of 2019 and make a run at Wimbledon.

“That’s where I’d like to stop playing … but I’m also not certain I’m able to do that,” Murray said. “I don’t want to continue playing that way. I’ve tried everything I could to get it right and that hasn’t worked.”

Murray held a news conference Friday at Melbourne Park, and had to leave the room for a while soon after it started to compose himself as he fronted the media.

He said he’s considering another hip operation, more to improve his quality of life than as a way to return to the top level in tennis.

The Australian Open starts Monday.

Sports – TIME

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The Golden Globes Were an Embarrassment Not Even Sandra Oh Could Save

Paul Drinkwater/Getty

This awards season thus far has been a scorching, sizzling, flaming mess. Sunday night’s Golden Globe Awards just gleefully leapt onto the fire.

From the Oscars’ host fiasco to terrible, tone-deaf films becoming category frontrunners, to the struggle to find continued meaning and gravitas a year after the galvanizing first #MeToo-era ceremonies, the Golden Globes was already set in stormy weather. But it also had the potential to clear the skies to much-needed sunshine.

There was tangible excitement for hosts Andy Samberg and Sandra Oh, an unlikely and beloved pair. This is the venue where Meryl Streep and Oprah Winfrey delivered acceptance speeches that doubled as rousing sermons dictating our entire national discourse. Even the Globes’ notorious kookiness was promising: Times are tough, but at the very least we’ll probably get to see Lady Gaga take home an award. What fun!

Read more at The Daily Beast.

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The Golden Globes Were an Embarrassment Not Even Sandra Oh Could Save

Paul Drinkwater/Getty

This awards season thus far has been a scorching, sizzling, flaming mess. Sunday night’s Golden Globe Awards just gleefully leapt onto the fire.

From the Oscars’ host fiasco to terrible, tone-deaf films becoming category frontrunners, to the struggle to find continued meaning and gravitas a year after the galvanizing first #MeToo-era ceremonies, the Golden Globes was already set in stormy weather. But it also had the potential to clear the skies to much-needed sunshine.

There was tangible excitement for hosts Andy Samberg and Sandra Oh, an unlikely and beloved pair. This is the venue where Meryl Streep and Oprah Winfrey delivered acceptance speeches that doubled as rousing sermons dictating our entire national discourse. Even the Globes’ notorious kookiness was promising: Times are tough, but at the very least we’ll probably get to see Lady Gaga take home an award. What fun!

Read more at The Daily Beast.

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

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Trump says he could keep shutdown going for months or years

A meeting Friday between President Donald Trump and newly powerful Democrats ended in continued stalemate as a partial government shutdown wears on. Both sides emerged sounding entrenched, rendering an end to the impasse elusive.


CNN.com – RSS Channel – Politics

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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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How Taking out a Loan Could Actually Help You Get out of Debt This Year

If you popped the cork to ring in 2019 but still have some nagging debt hanging around, chances are you made a mental note of it in your New Year’s resolutions. This is the Year of the Pig on the Chinese zodiac calendar, and that stands for “luck, overall good fortune, wealth, honesty, general prosperity.” Sounds good, right?

Now is the time to make a plan to wipe out your debt before the next trip around the sun. If you are carrying balances on several credit cards, you are likely paying interest up to or even over 20%. Ouch.

Other types of debt, like medical bills, payday loans or anything else may also come with high interest and annoying collection calls.

When you try to pay down multiple bills that are charging interest, your payments can get spread too thin and you may not really be making much progress.

It’s time to consolidate and conquer.

A good resource is Fiona, 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.

Yes, the terms are 24 to 84 months, but with only one payment and a much lower interest rate, you might be able to make better payments and much faster progress towards paying that debt down.

Get free of bad debt and ready to make the Year of the Pig your best year yet. By the time the ball drops to welcome in 2020, you’ll really be bringing home the bacon.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. He likes bad puns and won’t apologize for it. He also likes bacon. 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.

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What Shows Like ‘The Simpsons’ Could Learn From ‘Seinfeld’s Finale

Last year marked the 20th anniversary of “The Finale,” the final episode of the seminal TV series Seinfeld. The show finds razor-sharp humor in life’s most boring aspects. Up until “The Finale,” its four protagonists get away with the most anti-social behavior while continuing to live life on their own terms.

Seinfeld was one of the first shows to usher in the age of scoundrelly on TV. This tactic of having shows, especially comedies, feature characters whose reckless behavior goes unpunished is still popular today. As a result, this trope has become stagnant over time — The Simpsons is a prime example. Such shows should take inspiration from Seinfeld’s finale, which forces its characters to pay the price for their unique brand of reckless behavior.

Scoundrelly Is Good?


Diane Chambers (Shelly Long) and Sam Malone (Ted Danson) in Cheers".

The beginnings of the TV scoundrel trope can be pinpointed to the 1980s and 1990s. Sitcoms transformed dramatically during these two decades. Protagonists no longer had to be “goody-two-shoes.”

Take the sitcom Cheers, for example. Sam Malone’s womanizing ways go unchecked even as Diane Chambers concocts outrageous schemes to get Sam to commit to her. This tactic’s acceptance as a reliable TV trope would only grow. Occasional jerks, like The Big Bang Theory’s Barry Kripke, are harmless compared to the scoundrels we’ve got nowadays.


Charlie from Two and Half Men and Peter Griffin from Family Guy (9)

Two and Half Men‘s Charlie Harper never faces the fallout of wasteful spending habits or constant one-night stands. Similarly, Family Guy’s Peter Griffin increasingly absurd actions, such as getting his son Stewie hooked on steroids, go without punishment.

And, of course, we can’t discuss this trope without bringing up The Simpsons. Patriarch Homer Simpson routinely engages in behavior that ranges from outsourcing his parental responsibilities to framing his wife, Marge, for drunken driving. And he still hasn’t faced the music.


Homer in Fudgetown - The Simpsons

But over time this trope gets tiring — and predictable. After all, we can only watch the same scenarios play out for so long. Perhaps this could be why The Simpsons‘ fanbase is waning.

When the Original Is Better


Jerry (Jerry Seinfeld), George (Jason Alexander), Elaine (Julia Louis-Dreyfus), and Kramer (Michael Richards) in jail in a scene from "The Finale"

In Seinfeld’s finale episode, Jerry and company mock a carjacking victim — during the actual carjacking. Their despicable actions land them in handcuffs for violating Massachusetts’ newly minted Good Samaritan Law. The prosecution brings in a plethora of character witnesses, who double as the quartet’s victims from throughout the series. You can guess how this is going to go.

The victims are eager to testify against them, even as they’re still in shock over their anti-social behavior. Watching this trial play out reminds us of how terribly the New York Four have behaved over the course of nine seasons. They’ve gotten away with some truly awful acts.


Jerry and the gang on trial in "The Finale"

Like the time Kramer tried to woo a woman by replacing her wheelchair but opts for a cheap one that proves defective. Or when Elaine mercilessly mocked a coworkers’ germaphobia. Jerry actually mugged an elderly woman for her marble rye. And George basically killed his fiancée, Susan, by unwittingly picking out a cheap set of wedding invitations. Susan licked the toxic envelope glue and found herself six feet under. The rest of the gang’s indifference about her death is bad enough, but George’s reaction is downright callous. Susan’s barely cold before he’s on the phone trying to court another woman.

Ultimately, the gang is found guilty and sentenced to one year in prison. In the judge’s words, it is the opinion of the court that quartet “contemplate the manner in which they have conducted themselves.” This is not the ending fans expected.

There exists an alternate ending in which the jury finds the gang not guilty, much to the shock of everyone else in the courtroom. While we don’t get to see what happens next, we can assume a happy ending. For fans, this ending made the most sense, as the quartet hadn’t faced any lasting punishments up to this point.

While the original ending of “The Finale” may have disappointed fans, it did strengthen the series overall by providing a unique twist that shook things up by forcing the protagonists to atone for their misdeeds. Given that Seinfeld is one of the first shows to usher in the TV scoundrel trope, this is important. It demonstrates that for any trope, or era, of TV to remain relevant, it must evolve, which sometimes means breaking the foundation that built it.

The age of the TV scoundrel is flourishing now more than ever, but it continuously fails to exceed or defy our expectations. For this trope to remain fresh, the shows that have mastered it will need to shake things up, Seinfeld style.

Teaching an Old Trope New Tricks

Seinfeld took a risk by ultimately holding the cast responsible for their reckless behavior, effectively breaking free of the TV scoundrel trope it helped usher in. It’s time for other shows to make this same gamble.

It’s a move that could help The Simpsons win fans back. Even through his negligence, Homer does experience some moments of character growth in earlier seasons. But in recent years, he’s become too static. It’s time Homer’s getting fired from the nuclear plant or separation from Marge last longer than one episode.


Jerry and the gang at the famed Monk's diner

Seinfeld should be remembered for more than its self-created tagline: “The show about nothing.” It should also be remembered for ushering in the age of the TV Scoundrel and successfully breaking a trope of its own creation, redefining an era of television in a creative and unexpected way. This should’ve been the start of something greater, but, instead, we’ve seen shows copy Seinfeld‘s basic formula without ever challenging it. We need shows to carry the creative spark that Seinfeld‘s “The Finale” created and to use it to set fire to the tried and true methods of TV sitcoms. Here’s to hoping that 2019 will see shows like The Simpsons take the risks they built their names on.

The post What Shows Like ‘The Simpsons’ Could Learn From ‘Seinfeld’s Finale appeared first on FANDOM.

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The best-performing sector last year could be the top bet for 2019, technician says

Health-care stocks did not just survive a volatile 2018. They thrived. One technician looks ahead to what this year could bring.
Health and Science

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2019 could be a rocky year for TV reboots, the Oscars and more

This year will be remembered as the one that took out Les Moonves, Megyn Kelly, Roseanne Barr, Clayne Crawford of “Lethal Weapon” and TJ Miller of “Silicon Valley,” among others. As we look to 2019, we’re sure to see new blowhards and public nuisances whose antics will no longer be tolerated as networks continue to…
Entertainment | New York Post

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Feige: MCU Could Start Developing X-Men, Fantastic Four Movies Within 6 Months

With the Disney-Fox merger looking to come together in January, this next year looks like it could bring some big, exciting changes to the Marvel Cinematic Universe. While MCU head honcho Kevin Feige continues to say talks haven’t formally begun to figure out how Fox-owned superheroes, like the X-Men and the Fantastic Four, will fit into the Marvel Studios fold, he has finally given some semblance of a timeline for when that will happen — and it’s sooner than we expected.

Continue reading…

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Shutdown won’t stop key jobs report or CPI, but other data could be impacted

The partial government shutdown will have some impact on the release of market-moving economic data, though the biggest reports likely won't be affected.
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Facebook shares could hit $160 in 2019: Citron

Short-seller Citron Research on Wednesday backed Facebook Inc, saying the stock could hit $ 160 in 2019 as the company’s revenue and user base have seen little impact from the reported data scandals and privacy issues this year.


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NY Fed President John Williams says the Fed could re-evaluate view in 2019

Williams said the Fed is open to reconsidering its views on rate hikes next year.
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DHS rules could force asylum-seekers into Mexico

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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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Stephen Colbert Destroys Fox News’ Tucker Carlson: ‘The Little Racist Who Could’

CBS

Every once in a while Stephen Colbert does a segment on The Late Show that rivals the best of his work on The Colbert Report. Tonight was one of those nights.

With Fox News host Tucker Carlson under fire and losing advertisers after accusing immigrants of making America “poorer and dirtier and more divided” last week, Colbert sat down behind his desk for an old-school takedown. “Carlson’s already got a reputation for flirting with racism, but last week, he took it to a racy new level,” the host began.

After playing a brief clip of Carlson’s comments, the host said, “Now, if just listening to him say that makes you feel dirty and more divided, you’re not alone. Tucker got a lot of heat for those remarks, but he’s nothing if not the little racist who could. And he came chuggin’ back up that hill on Monday with a new reason he doesn’t like immigrants: He just cares so darn much about the environment.”

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Stephen Colbert Destroys Fox News’ Tucker Carlson: ‘The Little Racist Who Could’

CBS

Every once in a while Stephen Colbert does a segment on The Late Show that rivals the best of his work on The Colbert Report. Tonight was one of those nights.

With Fox News host Tucker Carlson under fire and losing advertisers after accusing immigrants of making America “poorer and dirtier and more divided” last week, Colbert sat down behind his desk for an old-school takedown. “Carlson’s already got a reputation for flirting with racism, but last week, he took it to a racy new level,” the host began.

After playing a brief clip of Carlson’s comments, the host said, “Now, if just listening to him say that makes you feel dirty and more divided, you’re not alone. Tucker got a lot of heat for those remarks, but he’s nothing if not the little racist who could. And he came chuggin’ back up that hill on Monday with a new reason he doesn’t like immigrants: He just cares so darn much about the environment.”

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85 Million Americans Could Have Credit Report Errors. Here’s How to Find the Mistakes

Your credit score is important. The better your score, the better deal you’ll get on a mortgage, car loan or credit card. We’re talking big money here.

Even if you’re not buying a house anytime soon, a lousy credit score means you’ll get hit with a high security deposit whenever you rent a car or move into a new apartment.

But did you know your credit score could be inaccurate? One out of four credit reports have an error, according to a study by the Federal Trade Commission.

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.

Because it simplifies everything, you should be able to spot any errors. For instance, if you find an “unpaid” credit card that you know you paid, or a bill in collections you know never existed, you can dispute the incorrect information and raise your credit score.

James Cooper, a motivational speaker, raised his credit score 277 points using Credit Sesame. Now he talks to high school students about the importance of having good credit and uses what he’s learned through Credit Sesame as a blueprint for his lessons.

“We want to touch the Z Generation,” Cooper says “We’re not in the business of fixing credit. We want to get to you before you have to fix your credit.”

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How If Beale Street Could Talk Author James Baldwin Went From Literary Critic to Civil-Rights Icon

History changed around James Baldwin, but the glaring contradiction in American life that he so often highlighted still lurks within it. The author’s work argued that white Americans who boast of the United States as a nation of freedom can only do so by glossing over, to some degree, its history of slavery, as well as myriad other injustices experienced by minority groups of all kinds. In his lesser-known 1974 novel If Beale Street Could Talk, which arrives in theaters Friday with a film adaptation from Academy Award-winning director Barry Jenkins, insidious injustices are an inescapable part of everyday life — a truth the personal experience of which shaped Baldwin’s writing, propelling his evolution into a major voice for civil rights.

Born in Harlem in New York City on Aug. 2, 1924, Baldwin had one of his first political awakenings facing racism in the early 1940s at a restaurant in New Jersey, where he got a defense-related track-laying job during World War II. As the story goes, when a waitress told him the restaurant didn’t serve African Americans, he threw a glass at her. He felt “ready to commit murder,” as he later wrote in the 1955 anthology Notes of a Native Son, and thought he had to get out before he either killed someone or got himself killed. After that incident, he moved to Greenwich Village and began working in a restaurant and writing, then moved to Paris in 1948.

“Before he went to Paris, he had started to establish himself as a book reviewer, but he didn’t establish that prophetic voice until later,” says David Leeming, who worked for Baldwin and wrote James Baldwin: A Biography.

He would spend the rest of his life splitting his time between the United States and France. In Paris, he wrote Go Tell It On the Mountain — a semi-autobiographical 1953 novel about his stepfather, a stern preacher — and Giovanni’s Room, a novel that takes place within a circle of Parisian gay life, in 1956. He began to get more recognition among the general population for his critiques of American history, such as his 1955 anthology Notes of a Native Son, in which he wrote: “At the root of the American Negro problem is the necessity of the American white man to find a way of living with the Negro in order to be able to live with himself. And the history of this problem can be reduced to the means used by Americans — lynch law and law, segregation and legal acceptance, terrorization and concession — either to come to terms with this necessity, or to find a way around it, or (most usually) to find a way of doing both these things at once.”

While his career was already developing, there was one incident in that period that he would later single out as a starting point for his identity as a voice on civil rights.

On Sept. 4, 1957, white mobs spit on 15-year-old Dorothy Counts as she entered a newly-integrated school in Charlotte, N.C. Seeing news coverage of what happened to Counts compelled Baldwin to return to the U.S. to as a writer and activist. He repeatedly challenged white Americans to look inward, arguing in his 1961 anthology Nobody Knows My Name that the nation would not allow black people “to starve, to grow bitter, and to die in ghettos” if not driven by a fear that had nothing to do with the people who had to live with its consequences. He became even more famous as a spokesperson for the civil rights movement with a New Yorker essay that became the 1963 book The Fire Next Time, seeming to foreshadow 1960s race riots with its title, which was derived from a line in a spiritual in which God promises Noah that next time humanity will be punished for sin not with flood but with fire. Baldwin reiterated his belief that “the Negro problem” wouldn’t exist if white people truly learned to “love themselves and each other” — and made clear the terrible consequences that could follow if that didn’t happen.

With the publication of this essay, “he was suddenly recognized as an American novelist, not just a Negro novelist,” says Rich Blint, an expert on Baldwin and professor of Literature at the Eugene Lang College of Liberal Arts at The New School.

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The year 1963 was a turning point in the civil rights movement, and by that point Baldwin was at the height of his career and at the center of it all.

He was in the middle of a speaking tour for the Congress of Racial Equality (CORE) when he appeared on the cover of the May 17, 1963, issue of TIME right after school walkouts turned violent in Birmingham, Ala. Televised images of African-American children getting hosed down and attacked by police dogs, combined with the deadly 16th Street Baptist Church bombing in the fall, are considered to be catalysts for the Civil Rights Act of 1964. “Spring 1963 will long be remembered as the time when the U.S. Negro’s revolution for equality exploded on all fronts,” TIME wrote the next month, following Attorney General Bobby Kennedy’s meeting with a group of African-American literati, which was organized by James Baldwin. “After the spring of 1963, there can be no turning back.”

And yet, that revolution didn’t lead to as much change as Baldwin had hoped for. From the late ’60s until his death on Dec. 1, 1987, at the age of 63, his writing would reflect his increasing frustration and disappointment that the nation had yet to fulfill the promise of full equality for people of all races and sexual orientations.

The assassinations of Medgar Evers in 1963, Malcolm X in 1965, and Bobby Kennedy and Martin Luther King, Jr. in 1968 “broke him,” says Blint. (In the 1972 anthology No Name in The Street, Baldwin recalls a postal clerk friend asking him if he could have the suit that Baldwin wore to Martin Luther King’s funeral after reading in a gossip column that the author vowed never to wear the suit again. Baldwin personally delivered it to him and stayed for dinner.) He attempted suicide at least four times throughout his life.

“Watching all of these men being snuffed out one by one really, really depressed him,” Blint says. “How much longer do we want to wait for a certain type of progress?”

It was in this later period that he wrote If Beale Street Could Talk, which reflects many of the often invisible, but perhaps even more dangerous, forms of racism that he saw throughout American culture. The novel’s protagonists have trouble finding an apartment because they’re black, and one is hastily locked up for a crime he did not commit — plot points that reflect the period’s concern with housing equality and the beginning of mass incarceration. TIME also saw it as a response to the studies such as the Moynihan Report, which made headline news of the state of vulnerable African-American families. “Possibly Baldwin, who now lives in France, took to long fiction for the first time in six years out of disgust with the slag heaps of sociology about blacks,” the magazine wrote in its original 1974 book review. “Such studies often go on about the instability of the black family; the [family in the novel is] both strong and united.” (The review also argued that the story would be more compelling staged, foreshadowing Jenkins’ film adaption: “As a novel it is not a success, being too sentimental and predictable by half. But it has the makings of a splendid opera.”)

While Baldwin is no longer alive, his writing is — from the 2016 Oscar-nominated documentary I Am Not Your Negro to the idea that he can be seen as a Founding Father of the Black Lives Matter movement.

“For people to reach for him in this moment makes all of the sense in the world — a moment of profound crisis, when the nation has to answer the question, Who are we?” says Eddie S. Glaude, a TIME columnist and Professor of Religion and African American Studies at Princeton University, who is writing a book about Baldwin.

And after all he lived through, perhaps that would not surprise Baldwin himself. “Each generation is promised,” he wrote in Notes of a Native Son, “more than it will get: which creates, in each generation, a furious, bewildered rage.”


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Invasive tick species could have an even larger impact on the US than first feared

longhorned ticks

Late last month the CDC issued a warning about an invasive species of tick that has begun to spread in the United States. Native to Asia, the ticks are gaining a foothold here in the U.S. and they pose a serious threat to both humans as well as animals like livestock and pets.

First spotted stateside a couple of years ago, the parasite is beginning to spread at an alarming rate, and a new study forecasting its relentless march was published this week in the Journal of Medical Entomology. The bad news is that the a huge portion of the country is perfectly suited to allow the ticks to spread. The good news? Well, there really isn’t any.

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Trump could be the first president since Carter to face a recession while running for re-election

Until now, the special counsel's investigation has loomed as a singular threat to further erode the president's standing. But the uncertainty on display in gyrating financial markets this week has darkened expectations for Trump's last two years.
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Tackling climate change could save millions of lives, report says

Climate studies often pinpoint the detrimental public health impacts related to rising atmospheric temperatures, extreme weather events and other consequences of a changing climate.


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So cute you could crush it?

Until now, research exploring how and why cute aggression occurs has been the domain of behavioral psychology. But recently, a licensed clinical psychologist with a background in neuroscience has taken formal study of the phenomenon a few steps further. To her knowledge, the results of her latest study are the first to confirm a neural basis for cute aggression.
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Next 3 Major Awards Contenders: ‘Mary Queen of Scots,’ ‘If Beale Street Could Talk,’ ‘Vice’

Next 3 Major Awards Contenders: 'Mary Queen of Scots,' 'If Beale Street Could Talk,' 'Vice'

We are well into awards season, that special time of year when more high-quality dramas than usual take their place in movie theaters alongside action blockbusters, broad comedies and family adventures. Often set in the past, such awards contenders draw appreciative audiences who welcome a change in pace from typical fare on the big screen.

Recent releases include Roma (pictured above), inspired by filmmaker Alfonso Cuarón's own youth in Mexico; historical comedy-drama The…

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Scientists fear uproar over gene-edited babies could hurt future research

WASHINGTON — Scientists working on the frontiers of medicine fear the uproar over the reported births of gene-edited babies in China could jeopardize promising research into how to alter heredity to fend off a variety of disorders. Researchers are rapidly learning how to edit DNA to fight such conditions as Huntington’s, Tay-Sachs and hereditary heart…
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How banning plastic could be more harmful to the environment

A plastics ban could cause even more environmental harm, say experts. TV shows such as the BBC’s “Blue Planet” have highlighted the damage done by littering the sea. But changing to glass or metal could double global energy consumption and triple greenhouse gases, said scientists at Heriot-Watt University in Edinburgh. Instead, they are calling for…
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‘If Beale Street Could Talk!’ Stars Kiki Layne & Stephan James Dish On Their New Movie | PeopleTV

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Strauss Zelnick could be the $120M hire to run CBS/Viacom

Strauss Zelnick would be the $ 120 million man if he ends up running a combined CBS and Viacom, The Post has learned. He is a leading contender in the mix to run the media colossus — partially due to his close relationship with mogul Shari Redstone. Zelnick, the current head of Take-Two Interactive and CBS…
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Sun-dimming chemicals could solve climate change on the cheap

LONDON — Spraying sun-dimming chemicals high above the Earth to slow global warming could be “remarkably inexpensive,” costing about $ 2.25 billion a year over a 15-year period, according to a study by US scientists. Some researchers say the geo-engineering technique known as stratospheric aerosol injection (SAI) could limit rising temperatures that are causing climate change. As…
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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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The Skirt That Convinced Tyler She Could Actually Wear Corduroy

I could be mistaken, but the last time I attempted to wear corduroy was probably circa seventh grade, when I was working my way out of a “hippie” phase (don’t ask) and I still wasn’t aware what “style rules” were. (Shout-out to the girl who made fun of my black belt and brown shoes, thus rendering …

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A ‘smart’ toilet could stop us from flushing away our most valuable health information, says doctor

Both doctors and patients could benefit if we figure out a way to stop flushing away some of our most vital health information, argues Dr. Sameer Berry, a third-year resident physician at Cedars-Sinai Medical Center in Los Angeles.
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Leaving These 10 Things at Your Front Door Could Keep You Safe

Living a safe and happy life means protecting your home and family, and one of the best places to start is right at your front door. Learning how to protect yourself and your property doesn’t have to be difficult (or cost-prohibitive), in many cases, it’s simple and inexpensive. In addition to keeping unwanted visitors out of your home, you’ll want to make provisions that help first responders find you if an emergency arises. By implementing one or more of the following 10 front door fixes, you’ll be taking proactive steps to keep your home and your loved ones safe.
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The CBS-Viacom merger could be a few months away: insiders

Not only is Stephen Colbert hopping into bed with SpongeBob SquarePants, they’ll stay up all night playing “Grand Theft Auto” together. That, at least, is shorthand for one of the surprising media-merger scenarios that’s getting pitched as Colbert’s network, CBS, gears up for talks with Viacom, the owner of “SpongeBob” broadcaster Nickelodeon, The Post has…
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Her kidney donation now could save her granddaughter’s life later

When Meghann Adams learned that she was pregnant in early 2015, she was ecstatic. Starting a family with her husband, Chris, had not been easy, but she was carrying twins. They were to be named Delly and Aubrey.


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‘Arrow’ Season 7: 6 Characters We Think Could Be the New Green Arrow

Arrow‘s seventh season has brought many changes to the show, and chief among them is Oliver’s incarceration. With Oliver behind bars for the foreseeable future and his team in various states of retirement or moving on, Star City lacked a true vigilante. The season premiere revealed, however, that someone has stepped in to fill the void by taking on the Green Arrow mantle. We don’t yet know who is under the hood, but that won’t stop us from speculating. Here are the characters we think could be the new Green Arrow.

Roy Harper


Roy Harper
Roy Harper is back in the future, but could he be in the present as well?

Roy has been with the show since Season 1, and even though he left for a happy ending with Thea last year, he’s returned in the show’s flash forwards as an older, grittier Roy, found on Lian Yu by William. Thanks to his training as Arsenal, he comes prepackaged with Green Arrow-like skills, and this wouldn’t be the first time he has put on Oliver’s suit.

That said, in the future, we see he’s still wearing the red Arsenal suit. But the flash forwards of him as a mentor seem more like red herrings than legitimate hints about the new Green Arrow’s true identity.

William Clayton


William Clayton
Could the flash forwards be showing us William’s origin as the new Green Arrow?

This may sound a bit far-fetched, but it’s possible the fast forwards are meant to reveal William’s origin story as the Green Arrow. He could’ve learned his father’s skills in order to go back in time and become the Green Arrow during Oliver’s prison stint.

But if this is the case, William’s endgame is unclear. Perhaps he’s looking to alter his own timeline, or maybe he’s trying to help his family somehow. This theory sounds more like something out of The Flash than the more street-level focused seventh season of Arrow. But it’s the easiest way to explain the fast forwards, and has gained a decent amount of speculation.

Katherine McNamara’s Mystery Character


Katherine McNamara
Who is Katherine McNamara playing in Season 7?

We don’t know much about who Katherine McNamara will portray on this season of Arrow, but we do know it’s a significant recurring role. From what little we’ve seen of the new Green Arrow, the vigilante seems to have a slightly smaller build than Oliver.

While that certainly doesn’t mean they are a woman, this Green Arrow has taken extra care to cover their face, preventing audiences from getting any sense of who this is. We might know more once we’ve seen Katherine McNamara’s character onscreen, especially when we discover who she’s really playing.

Emiko Queen


Emiko Queen
Emiko Queen could be coming this season.

In the comics, Emiko Queen is Oliver Queen’s half-sister and the daughter of Shado and Robert Queen. While it’s unlikely she’d be the daughter of the Arrowverse’s Shado, it’s plausible that Robert had another daughter who is now following in her half-brother’s footsteps.

If Emiko does come to Arrow this season, as an upcoming episode title suggests, she could be Katherine McNamara’s character or another one of the new recurring characters we don’t know much about. We might not even know it’s her at first. So, keep an eye on the next kickass female character to show up on Arrow — she just might turn out to be Emiko.

One of the Longbow Hunters… or Their Prey


Longbow Hunters
We don’t yet know the Longbow Hunters’ ultimate goal.

Also new to Arrow this season is the Longbow Hunters. We don’t know much about them either, beyond the fact that even the League of Assassins feared them. But we’ve seen them in action a few times, and it’s clear they’ve got skills (and the name to prove it). What isn’t so clear is their agenda. They’ve allied themselves with Ricardo Diaz for now, but there could be a greater plan at work.

One of them could be the new Green Arrow, or whoever is under the hood could have some history with the Longbow Hunters. Maybe they’ve come to Star City to hunt down this new vigilante, or, conversely, the new Green Arrow might have come in response to them. Only time will tell if these two new plot lines have even more in common.

A Former Team Arrow Member


Ragman
Ragman, Artemis, or any other former member of Team Arrow could be hiding under the new hood.

We know Rene and Dinah probably aren’t the new Green Arrow since they’ve been in the same room as the vigilante, and John Diggle has denied it. But there are plenty of members of now inactive Team Arrow who could’ve taken up the mantle.

Former members Evelyn Sharp and Rory Regan‘s current status is unknown. Either of them could’ve taken the time to develop their skills, for redemption, revenge, or any number of other reasons. With so many former vigilantes in the cards, there’s no shortage of potential identities for the new Green Arrow.

The Definitive Ranking of the Arrowverse Villains

The post ‘Arrow’ Season 7: 6 Characters We Think Could Be the New Green Arrow appeared first on FANDOM.

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This drone concept could save people from burning buildings

Drones have become a popular toy for hobbyists and in some cases vital tools for various professions, but could they ever save your life? A group of design students in China think so and they’ve developed a concept they call “Net Guard” that turns drones into life-saving guardian angels. The idea here is that a…
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This FTC Lawsuit Could Help Protect You from Health Insurance Scammers

A new lawsuit accuses a Florida-based company of misleading tens of thousands of customers nationwide into thinking they were buying health insurance, leaving the customers on their own to pay sizable medical bills.

The suit was filed against six corporations operating out of the same Hollywood, Florida, address and Steven J. Dorfman, who owned or was affiliated with all of them.

“Defendants prey on consumers who are seeking comprehensive health insurance,” the Federal Trade Commission wrote in the suit.

One woman received $ 61,000 in hospital bills she was assured her policy would pick up, but not a dime was covered, the Federal Trade Commission alleges.

Simple Health Plans — which operated under a dozen other names — and several other companies were shut down temporarily by a federal judge in South Florida last week after being sued by the commission.

Dorfman’s attorney, Ryan O’Quinn, told the Miami Herald that Dorfman “vigorously denies” the allegations and “looks forward to having an opportunity to defend himself in the appropriate forum.”

How the Alleged Health Insurance Scam Works

The Federal Trade Commission alleges that Simple Health Plans and its affiliates accepted premiums of as much as $ 500 per month, plus a one-time enrollment fee of up to $ 175, for sham insurance coverage. The companies have taken in more than $ 100 million in the past three years, according to the suit.

The commission is asking a judge for a temporary restraining order that would permit a receiver to seize assets the government believes were bought using corporate funds. They include more than $ 1.1 million in luxury jewelry-store purchases and three cars worth hundreds of thousands of dollars combined.

Simple Health Plans marketed a product it claimed was a PPO (preferred provider organization), deceiving consumers into believing that their plans covered pre-existing conditions as required by the Affordable Care Act, the government alleges. PPOs are health insurance plans that contract with medical professionals to provide care to policyholders at a reduced rate.

In fact, the products sold through Simple Health Plans were not health insurance, but medical discount or wellness program memberships or limited benefit plans — also known as limited benefit indemnity plans — that don’t cover pre-existing conditions or prescription drugs, the Federal Trade Commission says.

A typical plan paid for a maximum of three annual doctor visits at $ 50 each and a maximum of $ 100 a day for a hospital stay — both a fraction of the real cost. A telemarketer told an undercover investigator that he would pay between $ 4 and $ 12 for a diabetes drug that actually would have cost between $ 850 and $ 900, court documents show.

When customers agreed to sign up, they were transferred from a telemarketer to another employee for a “verification process” and pressured to commit even if they didn’t understand contract language that was read or sent to them by email or text, the lawsuit alleges.

“There is a vast difference between what Defendants promise consumers and what consumers actually get,” according to the suit.

Health Benefits One, Health Center Management, Innovative Customer Care, Simple Insurance Leads and Senior Benefits One also are named in the complaint, filed Oct. 28 in the U.S. District Court for the Southern District of Florida.

How to Avoid Falling for Health Insurance Scams

So, how can you protect yourself?

The Federal Trade Commission has advice for spotting a host of health care scams — including medical discount scams, phony insurance agents, con artists who insist you must divulge personal information to get a new Medicare or other health insurance ID card and fraudsters who offer to help you shop for coverage in the Health Insurance Marketplace created by the Affordable Care Act.

If you suspect a health-insurance scam, call the Federal Trade Commission at 877-382-4357 or email the agency.

Shop directly in the Health Insurance Marketplace for coverage under the Affordable Care Act or see The Penny Hoarder guide on how to enroll.

Susan Jacobson is an editor at The Penny Hoarder. She also writes about health and wellness.

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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This Kid From Brooklyn Could Return America to Chess Dominance for the First Time Since Bobby Fischer

Fabiano Caruana did not start playing chess in Brooklyn, New York when he was five years old because his mom thought he’d be a future grandmaster, or that he’d one day play for the World Chess Championship, just like fellow Brooklynite Bobby Fischer did back in the early 1970s. No, Caruana’s mom thought chess would calm him down and keep him focused in school.

“I was having trouble with concentration,” Caruana, 26, tells TIME, “and the idea was that maybe chess would help with that. It was more of a remedy.” Before long, this cure for little-kid hyperactivity took Caruana much further than his Lego buildings and origamis ever could. Within a year, he was winning tournament games against kids who were in junior high school and older. “His first instructor told us he was trying to teach her chess concepts,” says Caruana’s father, Lou. “We knew he was special.”

Starting on Friday in London, Caruana will become the first American since Fischer, who won the world chess title in 1972 and held it until 1975, to challenge for the World Chess Championship. Curuana faces Norway’s Magnus Carlsen, the world chess champ since 2013, in the 12-game match that will be played over three weeks at The College, a 10,000-square-foot venue in the city. Chess rarely attracts much mainstream attention in the United States. But chess pundits expect that a Caruana victory could spark an explosion in chess interest America hasn’t seen since Fischer’s heyday. “You do like your winners, don’t you?” says Mark Crowther, the U.K.-based founder and editor of The Week In Chess.

In March, Caruana earned the right to face Carlsen by beating out seven other top players to win the Candidates Tournament in Berlin. “Fabiano has the power to be better than Carlsen,” says Crowther. “There have been very, very few players you can say that about. I honestly don’t know who’s going to win this match. It’s a total toss-up.”

Caruana forged a circuitous path to representing the U.S. on chess’ grandest stage. His family decided to take Fabiano out of school and move to Spain when he was 12 in order to compete in more high-level tournaments and train with top instructors. Since his mother is Italian, he could compete for Italy’s chess federation. “It was not an easy decision,” says Caruana’s father Lou of taking his son out of school. “The plan was always to do it for a year or two and see how it works out. Is he loses a year of school, so what? He’s smart and can catch up. We could always correct things if it wasn’t going in the right direction.”

Initially, Caruana didn’t support the plan. “I wasn’t really keen on the idea of going to Europe when my parents suggested it,” he says. “I had friends in Brooklyn; I had a life in Brooklyn. But once I started playing chess pretty much full time, it just became a normal part of life. Me and my dad would just go from tournament to tournament in different countries. I missed out on social things in school and everything, but I was able to see the world as a young kid, which is very rare.”

Lou, a former data processing consultant who also earned income from real estate holdings, says he spent as much $ 100,000 on chess travel and instruction for his son in those early years in Europe. The investment paid off: Before his 15th birthday, Caruana became the youngest chess grandmaster, at the time, in the history of both Italy and the United States. Caruana admits early success swelled his head a bit. “You don’t think you need the work, which is always a mistake,” Caruana says. “I would take excessive risks and do crazy things to win a game, and commit suicide.”

Caruana overcame his growing pains, however, and started earning a living playing chess. At the same time, he eyed a return to the United States. In 2014, he turned in a dominant performance at the Sinquefield Cup in St. Louis, beating out Carlsen and other elite players to win the tournament. The Sinquefield Cup is named after Rex Sinquefield, a financier who pioneered the first index stock funds back in the 1970s – and has invested north of $ 50 million over the past decade to building one of the world’s premier chess clubs in St. Louis. With St. Louis now a budding epicenter of global chess, Caruana moved back to America in 2015, and switched federations from Italy to the U.S. Caruana now lives in St. Louis. “For a chess player,” Caruana says, “it’s the best place to be.”

To prepare for his match against Carlsen, Caruana spent some time this summer training at Sinquefield’s country home in Missouri. Besides playing hours of chess with fellow grandmasters, he jogged and shot hoops and played tennis to keep in peak physical shape. “Chess requires a lot of stamina,” says Caruana. “You’re sitting down and you’re playing six, seven hours at a time. You’re burning a lot of calories and you can easily get mentally tired. If your physical form is not good, then you’re likely to crash at some point.” Caruana doesn’t stick to a strict diet, though he does try to avoid excessive sugar, to avoid the high and inevitable come down.

In the weeks leading up to the World Chess Championship, Caruana has trained in Spain, where he’s done yoga and swam in the Mediterranean to keep his head clear. He’s also played games for up to eight hours a day. “The goal is get you thinking about chess 24/7 in preparation for the match,” he says. “It’s playing quick games, slow games, anything that will get you in that mode where you calculate very quickly. Your mind is working in the best possible shape.”

Caruana knows that Americans are blessed with plenty of sports and entertainment options. So why would even casual observers of chess have a stake in his three-week match with Carlsen, never mind those who don’t play the game? “It’s sort of like boxing or MMA,” Caruana says. “It will be a fight that is blow for blow, with each of us trying to get the upper hand, trying to impose our will on the other guy. It’s not a physical sport. But if people are into these one-on-one duels, chess is in a way similar to that.”

Sports – TIME

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Trump also claimed the "blue wave" of Democratic wins on Tuesday was "dead."
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Could this common reaction reveal whether or not you’re a psychopath?

Right…

How To Spot A Psychopath
How To Spot A Psychopath

There is a lot of information out there about psychopaths and how to work out whether or not you know one. One study revealed how to tell if your workmate is a psychopath, and another suggested that psychopaths most enjoy these two pop songs.

There’s also research that suggests if this is your partners usual coffee order, they could be a psychopath.

Yes, really.

But if you’re unsure of someone’s musical taste, and if your other half doesn’t even drink coffee, how can you tell?

A new study has determined one very simple way to tell if someone is a psychopath. And it’s something most people do pretty regularly.

Can you guess what it is? Yawning.

Research published in Personality and Individual Differences showed that when we see someone else yawning, we tend to find we’ve got one coming on ourselves. Why? Because a mirroring yawn is seen as empathetic and a sign of bonding. We’re not alone, either – lots of social animals behave this way.

However, psychopaths lack empathy, meaning that they’re less likely to yawn back at you.

Brian Rundle, lead researcher, explained: ‘You may yawn, even if you don’t have to. We all know it and always wonder why.

‘I thought, “If it’s true that yawning is related to empathy, I’ll bet that psychopaths yawn a lot less.” So I put it to the test.’

The experiment saw 135 college students take part in a test, answering 156 questions before being shown videos of other people reacting to situations. The clips showed people laughing, yawning, or staying neutral, and the results showed that participants who were less empathetic were unlikely to yawn, even after seeing someone else doing it.

So the next time you yawn, take a quick look and see whether the people around you do the same.

But before you start accusing anyone who doesn’t yawn of being a psychopath, Rundle warns: ‘The take-home lesson is not that if you yawn and someone else doesn’t, the other person is a psychopath.

‘A lot of people didn’t yawn, and we know that we’re not very likely to yawn in response to a stranger we don’t have empathetic connections with.

‘But what we found tells us there is a neurological connection — some overlap — between psychopathy and contagious yawning. This is a good starting point to ask more questions.’

Noted.

The post Could this common reaction reveal whether or not you’re a psychopath? appeared first on Marie Claire.

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The big number from the October jobs report could be bad news for the market

October's nonfarm payrolls report Friday could bring some good news for the jobs market, which might be bad news for the stock market.
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These 5 health benefit enrollment mistakes could cost you in 2019

Defaulting into the previous year's health-care options might cost you extra. Here are the common errors workers are likely to make when they select their benefits for 2019.
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Soviet-era moon fragments could reach $1 million at N.Y. auction

Wealthy space buffs will have the chance to own three small particles of lunar matter when what Sotheby’s describes as the only known documented “moon rocks” to be legally available for private ownership hit the auction block in November.


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Could Trump’s plan for lowering prescription drug prices work?

Trump proposed having Medicare base what it pays for some expensive drugs on average prices in other industrialized countries, such as France and Germany.
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Millennials Could Make a Big Difference in the Midterm Elections. But Will They Vote?

One point appears to be clear: Millennials will be looking for game-changing U.S. political candidates as Election Day draws closer.

Fifty-five percent of millennials report they will definitely or probably vote in the 2018 midterm elections, according to a new NBC News/GenForward survey. The elections occur on Nov. 6. Some 19% of millennials indicate that they will definitely or probably not vote. Another 25% are unclear if they will vote or not.

A majority of millennials have regularly indicated they plan to vote for Democrats in the 2018 congressional elections within the last year. Roughly a quarter plan to vote for Republicans. Another quarter doesn’t plan to vote for either party, uncertain what they will do.

Survey findings showed that “the candidate quality that matters most to millennials’ vote in the upcoming midterms is someone who can bring about needed change, signifying that young people are still on the hunt for someone they feel can make a difference.”

Forty-two percent of millennials surveyed reported their midterm vote will be in opposition to President Donald Trump. Just 14% say their vote in this year’s midterm election will back Trump, while 24% contend Trump won’t affect their vote at all.

The survey of 1,910 adults ages 18-34 was conducted nationally from July 26 through Aug. 13 this year.

Intriguingly, millennials are not overly thrilled with either party. In the past year, the survey showed millennials perspective of the Democratic Party was split between favorable and unfavorable. During the same time, about 6 in 10 millennials have asserted unfavorable impressions of the Republican Party, with fewer than 3 in 10 disclosing favorable views.

The survey also suggested that “millennials are disillusioned about the midterm elections.”

On the numbers front, millennials could be a force in the election if a great number vote. Millennials are expected to soon top baby boomers in size demographically. Totaling 71 million in 2016, millennials in America are closing in on baby boomers (74 million) in population and expected to become the nation’s largest living adult generation in 2019, according to the Pew Research Center.

And while millennials might be more likely to vote for Democrats, a big uncertainty is how many of them will actually vote. Observers conclude that millennials over the years have not displayed high turnouts for midterm elections.

The post Millennials Could Make a Big Difference in the Midterm Elections. But Will They Vote? appeared first on Black Enterprise.

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How the College Basketball Corruption Verdict Could Help End Amateurism

A little more than a year ago, federal attorneys and the FBI — to much fanfare — unveiled their findings from a two-year investigation into corruption in college basketball. Assistant coaches and sneaker company reps and aspiring agents were arrested. Officials shared tales of illicit money sloshing around the sport in order to attract certain players to certain schools.

On Wednesday afternoon, the feds achieved their biggest win of the effort to date. A jury found three defendants — two former Adidas employees and an aspiring sports agent — guilty of wire fraud and conspiracy to commit wire fraud after a three-week criminal trial at the Daniel Patrick Moynihan U.S. Courthouse in New York City. James Gatto, Merl Code (the ex-Adidas reps) and aspiring player rep Christian Dawkins will be sentenced in March. (They will likely appeal the case.) On the surface, the verdict appears to count as a huge victory for the NCAA’s amateurism rules, which prevent college athletes from earning money from their schools, or from third-parties, for playing their lucrative sports. Paying players now appears to be a federal crime; NCAA regulations now appear to be enforceable by federal law.

Not so fast.

This case was a head-scratcher from the start. As TV rights agreements and other business deals plow millions of dollars into college sports, more and more people have argued that amateurism is outdated. While coaches and other stakeholders get rich, don’t the players who actually attract the audience deserve their fair share? Former college players are challenging amateurism in federal court, arguing that prohibitions against players earning salaries and third-party sponsorship violates anti-trust law. And while one arm of the federal government hears out amateurism, another swoops in with a criminal prosecution that equates paying players with corruption. This reeks of government overreach. Why are the feds doing the NCAA’s bidding and enforcing its amateurism rules?

Read more: It’s Time to Pay College Athletes

Meanwhile, federal prosecutors argued that the defendants defrauded colleges by paying players, since those payments violated NCAA rules and would make them ineligible to suit up for their schools. In effect, the defendants denied the schools the services of these athletes. So the schools were in essence the victims of a federal crime. The jury, by handing down the guilty verdict, agreed with this reasoning.

But at the same time, the NCAA can use evidence unearthed at the trial to punish the institutions supposedly wronged here. For example, former Adidas associate T.J. Gassola testified that he paid the family of former Kansas player Billy Preston $ 89,000 and the guardian of current Kansas player Silvio De Sousa $ 2,500 for online classes. Gassola also testified that a Maryland booster paid De Sousa’s guardian $ 60,000. Kansas announced that De Sousa has been pulled from the team, pending an eligibility review. The NCAA could hand down sanctions on Kansas for suiting up an ineligible player (De Sousa, for example, played in 20 games for the Jayhawks a year ago). So in essence the NCAA would be punishing a school that’s a so-called victim of a federal crime. Only in the twisted world of college sports could “victims” be subject to punishment.

“This case is filled with paradoxes,” says Matthew Mitten, executive director of the National Sports Law Institute at Marquette University.

Read more: North Carolina Academic Fraud Decision Exposes College Sports Hypocrisy

This verdict, however, won’t necessarily make paying college players a federal crime. Conversely, some of the evidence could bolster the civil cases challenging the NCAA’s payment prohibitions. One of the NCAA’s core arguments in support of amateurism is that paying players would turn off fans and hurt the bottom line of NCAA schools. Paying players would be bad for business, so amateurism must live on.

The college hoops trial, however, showed that the opposite may be true. The testimony exposed the black market economy of college basketball; money is already flowing to players, business is booming, and it will continue to do so.

“The federal government has now proven itself ready to sink its teeth into college basketball,” says Marc Edelman, a professor of law at Baruch College’s Zicklin School of Business. “But the prosecutors missed the big issue here. If we’re going to be intellectually honest, the correct next step would be for the Justice Department to file an anti-trust lawsuit against the NCAA.”

Such a federal suit is unlikely to happen. Other stakeholders, however, are challenging amateurism in civil court. Many fans and pundits know that the model is unfair and unsustainable. Money has to flow to the players who deserve it, no matter what a jury says.

Sports – TIME

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Your Long-Forgotten Yahoo Email Could Get You Up to $375. Here’s Why

Did you have a Yahoo email address between 2012 and 2016? Then listen up, because you could be eligible for a piece of Yahoo’s $ 50 million settlement pie.

Yahoo has agreed to pay $ 50 million in damages and provide two years of free credit monitoring services to 200 million people whose information was stolen in the largest security breach in history.

If you thought Equifax was bad, an estimated 2.9 billion accounts were compromised in this breach in 2013 and 2014. Yahoo didn’t disclose the breach until 2016.

How much can you expect to receive if you’re one of the select 200 million?

Yahoo will compensate account holders $ 25 per hour for the trouble it caused them, i.e., the time it took to deal with any identity theft issues. Those with documented losses can ask for up to 15 hours of lost time, or $ 375. Those who can’t document losses can file claims seeking up to five hours, or $ 125.

But don’t go looking for your check yet. You’ll have to wait on the federal court’s approval of the settlement, which is scheduled for Nov. 29.

Once the settlement’s approved, you’ll need to fill out a claim to receive compensation. Yahoo will notify eligible U.S. citizens through email, Facebook, Instagram and Twitter.

Just so you don’t forget how much information Yahoo still has on you.

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

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

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


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Millennials Could Make a Big Difference in the Midterm Elections. But Will They Vote?

One point appears to be clear: Millennials will be looking for game-changing U.S. political candidates as Election Day draws closer.

Fifty-five percent of millennials report they will definitely or probably vote in the 2018 midterm elections, according to a new NBC News/GenForward survey. The elections occur on Nov. 6. Some 19% of millennials indicate that they will definitely or probably not vote. Another 25% are unclear if they will vote or not.

A majority of millennials have regularly indicated they plan to vote for Democrats in the 2018 congressional elections within the last year. Roughly a quarter plan to vote for Republicans. Another quarter doesn’t plan to vote for either party, uncertain what they will do.

Survey findings showed that “the candidate quality that matters most to millennials’ vote in the upcoming midterms is someone who can bring about needed change, signifying that young people are still on the hunt for someone they feel can make a difference.”

Forty-two percent of millennials surveyed reported their midterm vote will be in opposition to President Donald Trump. Just 14% say their vote in this year’s midterm election will back Trump, while 24% contend Trump won’t affect their vote at all.

The survey of 1,910 adults ages 18-34 was conducted nationally from July 26 through Aug. 13 this year.

Intriguingly, millennials are not overly thrilled with either party. In the past year, the survey showed millennials perspective of the Democratic Party was split between favorable and unfavorable. During the same time, about 6 in 10 millennials have asserted unfavorable impressions of the Republican Party, with fewer than 3 in 10 disclosing favorable views.

The survey also suggested that “millennials are disillusioned about the midterm elections.”

On the numbers front, millennials could be a force in the election if a great number vote. Millennials are expected to soon top baby boomers in size demographically. Totaling 71 million in 2016, millennials in America are closing in on baby boomers (74 million) in population and expected to become the nation’s largest living adult generation in 2019, according to the Pew Research Center.

And while millennials might be more likely to vote for Democrats, a big uncertainty is how many of them will actually vote. Observers conclude that millennials over the years have not displayed high turnouts for midterm elections.

The post Millennials Could Make a Big Difference in the Midterm Elections. But Will They Vote? appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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Spongy aliens could be living beneath the surface of Mars

Sponge-like creatures could be lurking beneath the surface of Mars, according to new research. Salty subterranean lakes on the red planet are capable of providing enough oxygen to support even simple animals, scientists believe. It has long been believed there is not enough air on Mars to support life. But a computer model developed by…
Technology News & Reviews | New York Post

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Stocks just broke a key level and what’s next could decide fate of bull market

The stock market sell off sent the S&P 500 below a key level Tuesday morning, and how it trades next could determine whether the market is close to finding a bottom or more selling is ahead.
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3 million common procedures in England could become ‘life threatening’ without antibiotics

Over 3 million surgeries and cancer treatments could become deadly in England without working antibiotics, Public Health England said.


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Leagues could make billions from legal betting

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Why hitting the lottery could leave you broke

How could you possibly go broke after winning hundreds of million of dollars? It’s a lot easier than you may think…

With Thursday’s Mega Millions jackpot sitting at around $ 900 million ($ 513 million if you take the lump sum), many people are wondering what life would be like with all that money.

How you could hit the Mega Millions jackpot and still end up broke

But really, what if money suddenly fell out of the sky and into your life? Maybe you win the lottery, or you get an injury settlement or maybe an inheritance. And while a $ 900 million jackpot is rare, there are all kinds of different situations in which you could be left with a lot more money than you’re used to.

When money shows up out of thin air, most of us have no clue how to handle it. And very often, it quickly burns a hole in our pocket.

Now the odds of winning big money have gotten even worse as lottery officials not long ago tweaked the Mega Millions and Powerball formulas so that customers have a greater chance to win smaller prizes instead of tens of millions of dollars, according to the Washington Post.

Be careful how you spend all that money!

Remember the so-called “Ocean’s 16” from Ocean County, New Jersey, who each won $ 3.8 million (after taxes) in an August 2013 PowerBall jackpot that grabbed everybody’s attention?

Well, that’s a huge amount of money. If it’s well-managed, it can provide comfort to you for the rest of your life. But therein lies the rub.

Read more: 19 ways to cut costs and save more each month

For most people who come into big money — like athletes or lottery winners — all of a sudden their wants instantly skyrocket. If those lottery winners back in 2013 gave into those wants, research shows they’ll blow through $ 3.8 million in just six years!

If you ever come into a large inheritance or sell a business and get a pile of money, restraint is key. I’ve long told people in this situation to blow 10% of it however you want. But the other 90% you treat as a nest egg to nurture.

History (and science) show money doesn’t equal happiness

Jack Whittaker, a millionaire from West Virginia, became a much bigger millionaire when he won a $ 315 million lottery in 2002. After four years, Whittaker was broke and had lost both his daughter and granddaughter to drug overdoses (which he blamed on the lottery winnings). In addition to all that, Whittaker was robbed of $ 545,000 in CASH, as he sat in the parking lot of a strip club. Whittaker said, in hindsight, “I wish we had torn the ticket up.”

According to NBC News, a 2008 University of California study that measured people’s happiness six months after winning a relatively modest lottery prize didn’t exactly produce the results you may have imagined. The study looked at those who won an amount equivalent to about eight months’ worth of income. The winners had taken the money in a lump sum. The study found that winning the money, “had zero detectable effect on happiness,” according to Peter Kuhn, one of the study’s authors.

Read more: Skip the lottery: Why you should be on yourself instead!

It’s easy to say, but so hard for people to do. As for me, if I won that kind of money, I would change nothing. I would still get up and come to work every day. I would just think about what charity I could give it to! But that’s just me.

A final word of advice for future lottery winners!

Never take the lump sum payout. You’re better off taking the payout over years as a method of forced budgeting. If you worry your heirs won’t get all the money you have coming to you, buy a term life insurance policy that would pay them for what you would not receive if you die prematurely.

Remember, most of us do better with basic allowances than a huge sum of money right then and there!

Meanwhile, you don’t have to win the lottery or get an inheritance to come into extra cash. See some free and easy ways to search for missing money in your name.

Read more: Beware of this lottery scam on Facebook!

Want more money-saving advice? See our Money section.

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Credit Card Debt? These 4 Sites Could Help You Pay It Down Faster

So, you have thousands of dollars in credit card debt, and the burden of paying off all that — and interest — is gobbling up your income.

Instead of financially treading water making minimum payments and paying maximum interest, make the smart move, and take out a debt consolidation loan. It’s a personal loan, usually at a lower interest rate that you can use to pay off your high-interest credit cards.

In the long term, you can save a ton of money, but first you have to shop around for a loan.

Sound difficult? It doesn’t have to be. Instead of spending hours scouring the internet, you can go window-shopping at an online marketplace that’ll help pinpoint the best loan for you.

We recommend you try more than one site and see what kind of results you get. Heck, try them all if you want. It won’t take long, and you have nothing to lose: Seeing your options won’t cost you anything, and it won’t hurt your credit score.

4 Marketplaces for a Credit Card Debt Consolidation Loan

To start, you’ll need to know your credit score, but that’s super easy. Just sign up for Credit Sesame, a free credit-monitoring service that helps you keep track of your credit. It’ll immediately show you your credit score, and it’ll offer you personalized tips to better manage your credit.

Here are four different options for places to find a loan online. At the end of this article, you’ll find a chart comparing them at a glance.

Credible

Credible is a one-stop shopping place where you can compare rates side-by-side from multiple lenders who are competing against each other for your business.

It allows you to compare quotes from seven different lenders: Avant, Best Egg, Freedomplus, Lending Club, Payoff, Prosper and Upstart.

Through Credible, you can borrow $ 1,000 to $ 50,000 with a loan term of two to five years, at interest rates ranging from 4.99% to 35.99%. The interest rates you’re offered will depend on your individual credit profile.

Credible is best for borrowers who have good credit scores and just want to consolidate their debt. It requires you to have a credit score of at least 680.

Even Financial

Compared to Credible, Even Financial allows you to borrow more money and borrow it for a longer period of time — if that’s what you want to do.

You can borrow up to $ 100,000 and spend up to seven years paying it back. That’s more money and time than you can get from any of these other three lending marketplaces.

Even’s lending partners include Avant, Best Egg, Freedomplus, Lending Club, LendingPoint, LightStream, Payoff, Prosper, SoFi and Upgrade.

You’ll need a credit score of at least 580. Interest rates range from 4.99% to 35.99%.

Lendvious

Lendvious is the newest of these four online loan websites.

Depending on your credit score and how much you want to borrow, you’ll immediately get offers from up to 10 lenders. You can borrow up to $ 50,000 with no collateral required.

Different lenders are looking for minimum credit scores ranging from 560 to 650. The company’s lending partners include Avant, Best Egg, Freedomplus, LendingPoint, Lending Club, Marcus, OneMain Financial, Prosper and Upgrade.

Interest rates range from 4.99% to 35.99%.

If your credit isn’t great, Lendvious might be your best option.

Upstart

Unlike those others, Upstart is a lending platform that manages the process from pre-approval through servicing your loan.

Founded by ex-Googlers, Upstart is a lending platform that’s striving to change the personal loan game. Rather than solely focusing on your credit score to determine your borrowing power, it looks at other factors, too, including your education and employment history.

Upstart tends to be especially helpful for recent grads, who have a short credit history and a mound of debt.

Many lenders judge consumers based only on their credit history. But Upstart believes this leaves out an entire segment of the population — even though they’re totally qualified.

When it comes to the length of the loan, Upstart offers three options: three, five or seven years. The company says its average three-year loan has a 16% interest rate*, with 36 monthly payments of $ 35 per $ 1,000 borrowed.

Comparing Your Options One More Time

Seeing your quotes from each of these platforms takes 5 minutes, tops, so you can easily try out more than one. Each conducts a soft inquiry on your credit, meaning it won’t affect your credit score at all.

Once you actually apply for a loan, the lender will perform a hard inquiry on your credit, which will ding your credit temporarily.

Here’s the chart we promised you:

  Credible Even Financial Lendvious Upstart
Interest rate 4.99% to 35.99% 4.99% to 35.99% 4.99% to 35.99% 8.92% to 29.99%
Term Two to five years Two to seven years One to five years Three or five years
Loan amount $ 1,000 to $ 50,000 $ 1,000 to $ 100,000 $ 1,000 to $ 50,000 $ 1,000 to $ 50, 000
Minimum credit score 680 580 560 620

*The average three-year loan offered across all lenders using the Upstart Platform will have an APR of 20% and 36 monthly payments of $ 35 per $ 1,000 borrowed. There is no down payment and no prepayment penalty. Average APR is calculated based on three-year rates offered in the last one month. Your APR will be determined based on your credit, income and certain other information provided in your loan application. Not all applicants will be approved.

All loans are made by Cross River Bank, an FDIC insured New Jersey state chartered commercial bank, equal housing lender.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He knows a lot about credit card debt from personal experience.

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

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


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Exclusive: U.S. sports leagues could see $4.2 billion annually from legal betting

The four major U.S. professional sports leagues could reap a combined $ 4.2 billion annually as a result of legal sports betting, most of it indirectly from increased fan engagement, according to a casino industry survey to be released later on Thursday.


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Crown prince’s silence on journalist Khashoggi’s disappearance could derail the Saudi reform agenda

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New leak suggests Huawei’s Mate 20 Pro could be the most exciting Android of the year

Huawei Mate 20 Pro Specs

In a matter of days, we’ve seen a bunch of impressive new Android phones, including flagships (LG V40 ThinQ, Pixel 3 and Pixel 3 XL, and Razer Phone 2), as well as mid-range handsets (Nokia 7.1 and Samsung Galaxy A9). But all these devices, including the high-end ones, will pale in comparison with the Mate 20 Pro launching next week. We already saw a massive leak that suggested the new Huawei handset will be the most exciting Android phone of the year, and we have a brand new leak to reinforce that idea.

Continue reading…

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New leak suggests Huawei’s Mate 20 Pro could be the most exciting Android of the year originally appeared on BGR.com on Fri, 12 Oct 2018 at 23:07:58 EDT. Please see our terms for use of feeds.


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Apollo Management could help McClatchy with Tribune bid

Billionaire Leon Black is weighing yet another opportunity to invest in the newspaper business. Print empire McClatchy has approached Black’s buyout firm Apollo Management to shore up its bid for Tribune Publishing, the owner of the New York Daily News and the Chicago Tribune, The Post has learned. That’s because McClatchy — the owner of…
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Big Brother or Best Friend? Your Views on Data Could Snag a $5K Scholarship

No one saw it coming.

The computers shed their cords and climb into our hands, providing us with every bit of knowledge, entertainment and comfort we could ever imagine.

While we were distracted with crushing candies, filming the Harlem Shake and finding out which Harry Potter character we were, data was gathered on us.

The amount of harvested data increases by the day, and what it all means for the future — good or bad — remains unknown.

Do you have an opinion about its future impact or potential? Share your feelings about data for the chance to win a $ 5,000 scholarship toward college.

How to Enter the Data-Inspired Scholarship

Every semester, Liaison Technologies hands out a $ 5,000 scholarship to a high school senior, undergraduate or graduate student who submits a 30- to 60-second video about the role of data in the future.

The video must discuss an important aspect of data in society today or the future and include one interesting fact about you, the college you plan to attend and your major.

Upload the video and make it public on YouTube or Vimeo.

Submit the video url in an email along with your resume, your college and major to scholarship@liaison.com.

Applicants must be citizens and legal permanent residents of the U.S. or Canada, and selected colleges must be in the U.S. or Canada. However, exceptions can be made for international programs as long as they’re disclosed in the email submission.

The deadline to apply is Oct. 31, 2018 for the spring semester. The recipient will be announced Nov. 30.

Check out the past winners and scholarship details on the Liaison Scholarship Page.

Like The Penny Hoarder Life on Facebook to discover other scholarship opportunities.

And if you’re looking for even more scholarships to apply for, be sure to check out our list of 100 scholarships that will help you pay for college.

Stephanie Bolling is a staff writer at The Penny Hoarder. She’s rather mine for gems. Read her full bio here or say hi On Twitter @StephBolling.

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

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


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Bride Who Wed in Hospital So Ailing Father Could Walk Her Down Aisle Launches Tribute Foundation

Last November, Vieneese Stanton was on top of the world as her father, Preston Rolan, walked her down the aisle at University of California, San Francisco Medical Center where she wed Douglas Stanton.

Less than a month later, Rolan died from acute myeloid leukemia, leaving Vieneese devastated. Now the 28-year-old new mother is determined to preserve her father’s memory through her newly-minted Stanton Standards Foundation.

“A lot of people connected to us after they saw our wedding story go viral, and having my dad be there for us. So we started thinking, like, what if we could do the same thing for other families? UCSF hospital really put in a lot of effort to make that day happen for us… So we thought, ‘What if we formed an organization like that for people?’ ”

So, they did. They launched the organization to provide lasting memories for family members that have a loved one with a terminal illness. By May of this year, the foundation was officially established as a non-profit 501(c)3 organization.

RELATED: California Bride Weds in Hospital So Dying Father Can Walk Her Down the Aisle

With that, the Stantons got to work. The foundation’s first helped Yvonne, who has a heart condition and has about a year left to live. Through the foundation, Vieneese and Douglas raised hundreds of dollars to treat Yvonne and her close friends and family to a nice dinner at Oakland’s Southern Cafe.

“We hosted a rose ceremony where we bought her two bouquets of roses and we had her family and friends go around and they each gave her a rose. We really believe in giving people their roses while we can still smell them,” she says.

“They shared with Yvonne their greatest memories with her. They reminisced on good times they had with her and she was able to really enjoy those moments. “That’s something that’s always done at funerals.”

RELATED: Cancer Patient Who Walked Daughter Down the Aisle in Hospital Wedding Dies: ‘I’ve Lost My Superman’

The couple shared smiling photos of Yvonne Barela with her friends and family on the foundation’s website. And Vieneese says she’s eager to create lasting memories for more families in the future.

The foundation is accepting donations on its website and through a GoFundMe page set up for the organization.

“We really want to be a reliable resource when a family says, ‘We have a loved one who’s about to pass away. Are you able to help us?’ We want to say yes. We don’t want to tell them to wait six months,” Vieneese tells PEOPLE.

“We really want to be proactive because with terminal illness time is limited. We want to be there for the families because we believe that helps with the mourning process. I can speak for myself when I say that. I miss my dad like crazy. I think my father would be ecstatic if he were here today.”

Vieneese’s story made headlines last year, as photos of her with her ailing father made their way around the Internet. In the months after Rolan’s death, Vieneese and Douglas welcomed their first child, now 6-month-old Noelle.

“I miss my dad like crazy. Being a parent for the first time and not having my parents has been emotional at times,” she says, alluding to her late mother. “My daughter is awesome and my husband is awesome. Together we’re pushing through it.”


PEOPLE.com

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Ever Been Bumped Off a Flight? The Airline Could Owe You $700

Traveling is full of adventure and fun — and often, headaches. If you’ve flown at some point in the past few years, you’ve probably experienced your fair share of delays and cancellations.

Though all are inconvenient, the most frustrating experience is being “bumped” off an overbooked flight, which happens most often around the holidays and other peak travel times.

You may have thought that getting bumped was just the price of admission for flying. In reality, though, it’s illegal for the airlines to overbook flights — and you’re entitled to compensation if it happens to you.

AirHelp, a startup based in New York City, is here to help you with the process of getting paid when you’re delayed.

Who Can Use AirHelp

If you’ve been denied boarding, or your flight has been delayed or canceled within Europe or the United States in the past three years, you may qualify for reimbursement of up to $ 700.

As outlined by AirHelp, the laws vary greatly between Europe and the U.S.:

For flights to and from the European Union:

Unless caused by extraordinary circumstances beyond the airline’s control, you must be financially compensated if your flight is canceled, overbooked or arrives late by three hours or more.

For flights in the United States:

If you’re denied boarding, you’re eligible for 200% of your one-way fare if you get to your final destination between one and two hours late, with a cap of $ 675.

If you arrive at your final destination more than two hours late, you’re eligible for 400% of your one-way fare, with a cap of $ 1,350. (You’re not eligible for compensation for delayed or canceled flights.)

How AirHelp Works

If you think you might qualify for a reimbursement, fill out a simple online form on AirHelp’s website or in its app.

You’ll answer a few basic questions about your flight: airline, date and time, why it was delayed or canceled or why you were denied boarding.

Once you submit your information, AirHelp immediately notifies you whether your flight is eligible for compensation. If your flight qualifies, AirHelp starts to petition the airlines on your behalf.

The company has a “no win, no fee” policy, which means you only pay if it wins compensation from the airline. If and when AirHelp successfully receives compensation, it will transfer the money directly into your bank account, minus a 25% fee for regular customers and a 35% fee for online travel agency customers.

What It’s Like to Use AirHelp

It sounds like a great idea, but does AirHelp actually work? I decided to test it out.

Since I didn’t think any of my recent flights would be eligible, I entered the information for a friend’s Spirit Airlines flight that was more than 12 hours late. Since domestic flights are eligible for compensation only if you’ve been denied boarding, AirHelp said it didn’t qualify.

Trying to assuage my disappointment, AirHelp asked if it could search my email for old itineraries that might qualify. I synced it with my Gmail, and 15 minutes later, I received an alert that it had finished searching. Unfortunately, I once again came up empty-handed.

Lauren Lowther, of Kansas City, Missouri, had better luck. This past holiday season, she’d paid a whopping $ 2,200 for a round-trip ticket to Paris to see her husband’s family.

When it came time to return home, she ended up sitting on the tarmac at Charles de Gaulle Airport for five hours waiting for a spare part; eventually, the captain announced they weren’t leaving until the next day.

When they disembarked, the flight attendant told them they qualified for reimbursement and even gave them information about how to get it. But when Lowther submitted her claim through the online portal, it was denied.

“I thought that was odd since they told us at CDG [the airport] we had the right to be reimbursed,” says Lowther. “So I submitted again and was rejected again. I know I tried at least two times — I believe I also tried a third. It just said, ‘Unfortunately, we are unable to honor your request.’ I was shocked, because it was completely their fault.”

Understandably frustrated, Lowther enlisted AirHelp. Two months after submitting her claim online, the company wired €450 (about $ 487 at the time) into her bank account — her compensation after AirHelp’s 25% commission.

Kate May, a Hajoca Corporation recruiter from Philadelphia, Pennsylvania, also received €450 thanks to AirHelp — as did her husband. The best part? Neither of them had to lift a finger.

On their way home from a vacation in Denmark, May and her husband were delayed by eight hours due to an engine issue. They hadn’t pursued any reimbursement when, six months later, AirHelp contacted her husband.

“Honestly, we thought it was a scam,” she says, “but after researching it and providing a little personal information, we got a pretty big refund.”

It took a little more than two months for her husband (who filed first) to receive his reimbursement of €450, and then six weeks for her to collect.

Close to $ 1,000 for filling out a brief form? It sounds like a good deal, and May agrees. “While they do charge a service fee,” she says, “they did all the legwork, and that was worth it.”

As for Lowther, would she use AirHelp again?

“Oh, completely,” she says. “I would’ve had zero compensation if it wasn’t for them.”

In a world of rising airfare, baggage fees, and endless delays, it’s nice to see a company giving a little bit of power back to the consumer. The next time you’re bumped off a flight, you know who to call.

Susan Shain (@Susan_Shain) is a freelance writer and travel blogger who is always seeking adventure on a budget.

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

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


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Trade tensions could trigger another global financial crisis, but investors appear complacent: IMF

The International Monetary Fund warned on Wednesday that "a further escalation of trade tensions, as well as rising geopolitical risks and policy uncertainty in major economies, could lead to a sudden deterioration in risk sentiment."
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Global warming could literally drive you crazy, new study reveals

Climate change will literally drive you crazy.

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