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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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'

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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 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 admits Republicans could lose the House during rally

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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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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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.


Reuters: Sports News

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The Weinstein case could be the last straw for Cy Vance

Manhattan DA Cy Vance better get a handle on his office before the case against Harvey Weinstein unravels. Last week’s news was bad enough: One key felony charge against the pervy producer had to be dropped thanks to evidence discrediting the accuser — one of just three women Vance’s team was relying on, and the…
Opinion | New York Post

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Dak Prescott’s Legs Could Save the Cowboys Offense

A look at how Prescott’s ability to scramble has added a much-needed dimension to the undermanned Dallas passing game. Plus, more analysis from all the Week 6 Sunday games, including the Sunday night classic

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

Though he may still achieve that, his success in doing so now rests heavily on how quickly, decisively and transparently he can manage the current crisis and learn from his mistakes.
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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…
Business | New York Post

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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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Cramer: If Fed chief Powell were to ‘walk back’ aggressive rate remarks, Wall Street could rally

"All he has to do is say, 'You know what, I think that everything is on the table,'" CNBC's Jim Cramer says. 
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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.

Rising temperatures and increased precipitation have been linked with worsening mental health, according to a new study.

Scientists compared a decade’s worth of weather data with info from nearly two million randomly sampled U.S. residents during that…

Life Style – New York Daily News

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The Fed’s interest rates push could slow down the economy

When will rising interest rates be a real problem for the stock market? Nobody has the answer to that question, although a lot of people are venturing guesses now that rates are climbing steadily. The problem with those guesses is that a complex combination of factors is at work. The stock market suffered sizeable declines…
Business | New York Post

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Kavanaugh vote could cost some Dems

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The FBI inquiry could provide wavering Republican senators the cover they need to support the nominee

Brett Kavanaugh’s chances of reaching the Supreme Court appeared to get a significant boost Thursday as key Republican senators reacted positively to the results of a new FBI investigation into sexual assault allegations against him.


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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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Democrats Fear the Party’s Kavanaugh Obsession Could Backfire

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With Brett Kavanaugh’s confirmation to the Supreme Court looking more likely, some top strategists in the Democratic Party have begun warning members to quickly move off the nomination after it comes up for a vote.

Accusations that Kavanaugh sexually assaulted a woman in both high school and college have galvanized progressives and led to a growth of online donations to Democratic candidates. But there are growing fears among Democrats that the epicenter of the national political conversation had moved away from more friendly terrain and that Republicans have become mobilized by the Kavanaugh fight in even more dramatic ways.

“The truth is that in nationalized elections—most of which are presidential but some of which can be midterms—if the dominant issue terrain is around the cultural atmosphere, Democrats lose,” said Kenneth Baer, a former Obama administration official and founder of Crosscut Strategies, LLC. “I can not think of any election in the postwar period where Democrats have won when that was the case.”

Read more at The Daily Beast.

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Europe’s regulations could make it leader in electric car production

PARIS — European carmakers are rolling out electric vehicles like the ones on view this week at the Paris Motor Show to burnish their reputations as technology leaders and to compete with Tesla. But also because EU regulations don’t leave them much choice. New emission standards mean Europe will soon see an upsurge in electric…
Technology News & Reviews | New York Post

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Tyler, The Creator’s Latest GOLF le FLEUR* Converse Collaboration Could be a Chuck Taylor

So far, Tyler, The Creator‘s ongoing GOLF le FLEUR* collaboration with Converse has seen a number of reworks of the One Star silhouette. But, according to a new leak, his next release with the label could see him take on the Chuck Taylor for an understated new design.

Whereas most of the previous release have featured a bright color palette, the new design comes in a muted brown colorway. The classic Chuck Taylor canvas upper is replaced by a hopsack-like material. The sneaker’s upper is then finished with black detailing, including a GOLF le FLEUR* logo on the tongue and branding in reverse on one side. Lastly, the Chuck Taylor features the collaboration’s signature flower-print sole. There’s no news on when, or if, this collaboration will be releasing, but keep checking back for more information.

For more Converse collaborations, take a look at the next J.W. Anderson release as well as a skate video showcasing Virgil Abloh’s next sneaker with the brand.

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