Don’t expect apologies from the left over Jussie Smollett ‘attack’ fraud

A lot of explosive material can get defused with nine little letters: “I was wrong.” It works wonders with your significant other. Try it. Frequently. This week, now that the Chicago Police Department has “shifted the trajectory of the investigation” and now believes Jussie Smollett may have faked his own bias attack, we’ll be hearing…
Opinion | New York Post

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Don’t be surprised if your tax returns draw blank this year

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Business | New York Post

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4 Secrets Debt Relief Programs Don’t Want You to Know (Plus 3 Alternatives)

You’re 30, 60 or maybe even 180 days late on your credit card payments.

Creditors are calling, interest is building and your stress is through the roof.

Then, you see an ad for a company that can seemingly make it all go away — a company that’ll finally get you some much-needed relief from your credit card debt.

What Is a Credit Card Debt Relief Program?

Credit card debt relief isn’t an official term used in the finance industry. It’s a marketing term that debt settlement companies use to play to indebted people’s desire for relief.

The term can be interchangeable with debt forgiveness, debt settlement or debt negotiation. What differentiates debt relief programs is that they’re set up by a company that does the hard work for you.

You may have seen their ads in the mail, on TV or in sidebars while searching the internet. They promise to lower your debt burden, help you avoid bankruptcy and hold your hand every step of the way. The offer sounds really enticing.

But as with anything that sounds too good to be true, there are some strings attached. Here are four things you should know about credit card debt relief programs before you join one.

1. A Debt Relief Program Will Hurt Your Credit

The program works in four steps:

  1. You make payments to the debt settlement company that go into an FDIC-insured savings account.
  2. Once that account is at a certain amount, they will start negotiating your debt.
  3. They contact you for your approval of the negotiated settlement.
  4. They pay that settlement and move on to the next debt.

In the first three steps, your debt relief company will not be making payments on your debts. The primary goal of debt relief programs is to negotiate lower settlements. Continuing to not make payments helps them achieve that goal. But depending on how large your debts are, those steps can take years — and during that time, your credit score continues to drop.

You’ll even keep receiving calls from creditors.

2. They Can’t Guarantee Success in Negotiating Your Debt Down

If you see the word ”guarantee” anywhere in a company’s marketing materials, run for the hills. No one can guarantee any level of forgiveness when it comes to debt.

In general, debt settlement companies do have a good track record in negotiating down debt, because they have insight into a lot of different creditors and previous settlements. But every case is different, and you can’t assume someone else’s success will assure your own.

3. You’ll Have to Pay Taxes on the Forgiven Amount

Contrary to what some believe, the government has no debt relief program. In fact, if you do receive debt relief, they’d like to be compensated for it. You’ll pay taxes on your forgiven debt.

Here’s how to figure out what taxes you might owe:

Let’s say you owe $ 20,000 in credit card debt. First, someone will asses the fair market value of the assets accumulated through that debt. Due to depreciation, that value is likely to be less than $ 20,000. Let’s say it’s $ 17,000. They won’t take your stuff, but hypothetically, if the creditors came and took those assets as repayment, you’d still be $ 3,000 short.

The debt relief program then negotiates $ 5,000 off your bill. You now owe $ 15,000. Woohoo! You’ll be responsible for paying income tax — between 10% and 37%, based on your income — on the difference between the forgiveness amount and what you owed after the value assessment. In this case, $ 2,000.

And that’s just a simple example. It can be unreasonably complicated to figure out what you’ll actually owe in taxes after debt forgiveness, so it’s advisable to hire an accountant to help you with it. (Another expense you’ll have to eat.)

4. They Don’t Work for Free

While debt settlement companies that market their services are now banned from collecting fees from consumers before settling or reducing the consumers’ debt, they still don’t work for free.

Debt settlement companies will charge you on a percentage basis — usually, a portion of your total debt or of the amount forgiven.

Debt Relief Program Alternatives

If you’re ready to pay off your debt, there are alternatives to debt relief programs that can lower interest rates, eliminate fees and improve your financial picture as a whole.

1. Debt Management Plan

A debt management plan, usually offered from a credit union or nonprofit financial organization, is a voluntary program that allows you to pay funds to your credit counseling agency each month. They send those funds directly to your creditors — no savings account involved.

While debt relief programs hurt your credit score, a debt management plan can actually improve your score throughout the 30-60 month program.

You can find accredited credit counselors from the National Foundation for Credit Counseling or the Financial Counseling Association of America.

2. Debt Consolidation

Most debt relief programs won’t accept clients with less than $ 10,000 in debt. If you fall below this figure, a personal loan or balance transfer credit card might be good options for you.

Many types of credit card debt consolidation can lower your interest rate — sometimes down to 0% for up to 18 months — and help you avoid fees. But you have to be ready to commit to paying off your debt within the terms of the loan or card.

3. Do It Yourself

You don’t need a third party to negotiate and settle your debt for you. In fact, many people do it themselves.

It’s not a walk in the park, though. You have to save up money to make lump-sum payments, and it will also do bad things to your credit while you’re in negotiations.

Whatever way you choose to pay off your credit card debt, it pays to be informed on the risks and rewards associated with the different methods.

Do your due diligence and you’ll avoid being scammed on the path to freedom from debt.

Jen Smith is a staff writer at The Penny Hoarder. She and her husband paid off $ 78,000 of debt in less than two years on two less-than-average salaries. She gives money-saving and debt-payoff tips on Instagram at @modernfrugality.

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

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

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The One Thing Abducted in Plain Sight Viewers Don’t Understand, According to Jan Broberg

Jan Broberg, Abducted in Plain SightThe unbelievable true story of Jan Broberg is now out in the world for all to see. Broberg, an actress who has appeared in Everwood, I’m Sorry and Iron Man 3, is the subject of the true-crime…

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

She was once one of the biggest stars in the pro wrestling business, but by 2017, she had become depressed and nearly suicidal. She locked herself away from the public and her family. She became sickly and was treated for anorexia. Her hair started falling out. But a chance encounter with a young fan at…
Living | New York Post

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Krugman expects to see a global recession this year, warns ‘we don’t have an effective response’

There is a decent chance the world economy is headed for a recession in 2019, according to Nobel Prize-winning economist Paul Krugman.
Economy

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Watch Exclusive ‘Isn’t It Romantic’ Clip: Don’t You Want to Dance?

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Dear Howard Schultz, You Don’t Understand the American Dream

Photo Illustration by Elizabeth Brockway/The Daily Beast

The term “American Dream” gets tossed around a lot. Politicians promise to deliver it. Pollsters poke and prod it, asking for the public’s opinion on its attainability. The American Dream is a handy metaphor for journalists writing on a subject’s upward ascent, and the concept gets namechecked in countless songs across every genre, often with an overtone of aspiration or braggadocio. Yet no matter who’s invoking the American Dream, they almost always misuse it by framing it in material terms: two cars in every garage; exceeding the previous generation’s wealth—owning a home is a perennial favorite, too.

Only last week, former Starbucks CEO Howard Schultz, who’s thinking of running for president, provided a fine example of our collective conception of this idea, telling the Morning Joe crew, “I’m self-made. I grew up in the projects in Brooklyn, New York… I thought that was the American Dream.”

Schultz—and most of us—thought wrong, because the original American Dream—that is, the term’s first usage, in author James Truslow Adams’ 1931 history The Epic of America—was far more nuanced, and far more radical, too.

Read more at The Daily Beast.

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Don’t Be Ashamed of Your Money. These 13 Tools Are Here to Help

No one likes being judged. Especially when it comes to personal finance.

I’m keenly aware of my budgetary state, so having someone totally judge me for it — and not offer constructive advice — is the worst.

Yes, I understand I need to stash more into my emergency savings. And I know I shouldn’t have spent $ 5 on that latte. And investing… that makes me nervous.

But just help me; don’t chastise me.

That’s why I’ve rounded up some personal finance advisers — and some money management apps  — that’ll help you get your money in order.

And they’ll do it without a single shred of judgment.

And, perhaps even better, without an ounce of conversation.

1. Earn a 100x the Normal Interest Rate

Operating everything out of one checking account can make your finances muddy and contribute undue stress to your money management — and make you feel like you don’t know what you’re doing.

To simplify, open a second account for a dedicated purpose. One of our favorites is the Aspiration Account — there are no monthly fees, and you’ll earn up to 100 times the interest rate of other banks.

This online-only account comes with a debit card and free ATMs, so you can easily access your money when you need it.

After you open your Aspiration Account, use it to split your income:

  • Automatically deposit a portion of your income into your existing bank account, and use that to cover basic expenses like rent and bills.
  • Deposit what’s left into your Aspiration Account to use for fun stuff, like eating out, shopping or going on vacation.

2. Take a Deep Breath and Check Your Credit Score

A chalkboard with the number '610' written on it.

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 five 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.”

3. Play Scratch-offs to Your Heart’s Content (It’s Free!)

man and woman scratching lotto tickets and drinking wine

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

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

The app is supported by advertising, which allows it to keep the payouts high and the games free. For more info, check out our full review.

4. Use This to Bust Your Debt

Shot of a young couple going through paperwork together on the sofa at home

Once you fall behind, you may find yourself getting crushed by credit card interest rates north of 20%. You’ll never catch up that way. You’re spending so much on interest, you’ll never pay off your balances.

If you’re financially treading water like this, it might be worth consolidating and refinancing your debt.

By refinancing an existing loan, you’re taking out a totally new loan, which comes with new terms and (ideally) a lower interest rate. By consolidating your existing loans, you lump all your debt into one big payment, so you’re only making one payment and dealing with one interest rate per month.

Make sense but don’t know where to start? Credible is an online marketplace that offers consumers personalized loan offers. It’s best for borrowers who have good credit scores (think: around 640 or higher), and it lets you quickly compare rates without visiting a bunch of sites.

Rates start at 5.99%, and you can check yours by entering a loan amount here ($ 500 to $ 40,000) and comparing your personalized options in under 90 seconds.

5. Stop Deleting Your Emails

It turns out deleting your emails could be costing you money. Intrigued?

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

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

Disclosure: Paribus compensates us when you sign up using the links we provide.

6. Share What’s in Your Fridge

A young woman standing in front of an open refrigerator holds a bowl of salad in one hand and a plate of fried chicken in the other.

Remember the Nielsen company? The one that’s always tracked TV ratings? Well, now it wants to know what’s in your fridge.

Once you sign up to be on the Nielsen Consumer Panel, you can either use your smartphone, or the company will send you a free barcode scanner. Every time you go shopping, you simply scan the UPC codes on the back of each product and send your data to Nielsen.

Nielsen will reward you with gift points, which you can redeem for free electronics, jewelry, household items or even toys for the kids.

The longer you stay on the panel, the more opportunity you have to earn points toward prizes. You’ll also receive entries for the panel’s many sweepstakes. Prizes include vacations and brand new vehicles.

7. Stop Overpaying for Monthly Bills

A man and woman sit on a bedroom floor together. A laptop sits on her lap, while he lays on a pillow holding up paperwork.

On the phone with your cell phone or internet provider, trying to haggle a lower monthly bill?

Go ahead and hang up. (We know you’re probably listening to crappy music while sitting on hold, anyway.)

Download TrueBill, an app that’ll negotiate your bills, cancel unwanted subscriptions and refund your bank fees.

After downloading the app, create an account and link your bank account and/or credit cards. Turn on the bill negotiation and outage protection features. Boom. TrueBill is already searching for potential refunds — it might get you a refund even when you didn’t know an outage occurred.

On average, Truebill customers get $ 12 in credits off their cable bills each month.

The app will also remind you of all those sneaky subscriptions you’ve signed up for through the years, so you can cancel what you don’t use and reclaim your monthly budget.

Signing up and using the service is free, though there are some paid premium services that are totally optional — but could totally be worth it.

8. Earn Money Every Time You Swipe Your Credit Card

If you’re not using a rewards credit card for everyday purchases, you’re missing out on free money.

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

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

There’s no annual fee, and the cash-back rewards don’t expire. We checked Credible’s annual rewards calculator, and it estimates $ 417 in annual rewards based on our spending habits.* (You can enter your unique spending habits and see what you’d earn, too.)

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

9. Save Money Mindlessly

String tired around finge

Saving money is tough. So what if you could do it in a way where you wouldn’t even notice?

Digit makes that possible.

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

Additionally, savers will receive a 1% bonus every three months.

Using this set-it-and-forget-it strategy, one Penny Hoarder saved $ 4,300 without noticing — read his Digit review.

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

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

10. Earn Cash Back for That 3rd Bottle of Wine (and for the Shoes You Ordered After Drinking It)

Little boy saving coin in a money jar

Look, it’s been a long week, and you just want to unwind with a glass of wine. Or three. We can’t promise the clerk won’t give you some side eye after your third such shopping trip — but you can have the last laugh.

Two of our favorite apps will actually get you cash back when you buy booze — and other stuff you might need on a week like this…

  • Ibotta will pay you cash for taking pictures of your grocery store receipts. Before heading to the store, search for items on your shopping list within the Ibotta app. When you get home, snap a photo of your receipt and scan the items’ barcodes. It’s free to download, and you’ll get a $ 10 sign-up bonus after uploading your first receipt.
  • Ebates is a cash-back site that rewards you nearly every time you buy something online. For example, Ebates gives you 10% cash-back on online purchases at Walmart. Plus, you’ll get a free $ 10 gift card to Walmart for giving the site a try.

11. Play the Slots — and Bank $ 5 for Your Savings Account

woman using phone

Are you more of the “sit at home and play video games” type of person but you’re making yourself read this because you’re determined to get this adulting thing down?

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

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

Penny Hoarder Carson Kohler uses Long Game to save money. Every two weeks, it sneaks $ 5 out of her bank account and rewards her with coins.

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

Once you link your bank account, you’ll earn 300 coins, so you can start playing while you wait for payday. 

12. Invest Like a Woman

Businesswomen looking at fabric samples on presentation board.

Traditional investing companies have never really considered the fact that women statistically get paid less, yet live longer. That’s why Sallie Krawcheck, a former Wall Street CEO and an adamant proponent of women’s financial power, founded Ellevest.

It’s an investing platform designed for women, by women and in support of other women. It uses a unique algorithm designed to help you better plan for the future.

Once you sign up for free, Ellevest will issue you a free personalized investment plan. Plus, if you sign up before Dec. 31 through The Penny Hoarder, you’ll get a $ 25 bonus in your Ellevest account.*

Ellevest’s “digital” plan is designed to be accessible. There’s no minimum balance, and you’ll pay an annual fee of 0.25% of your assets under management to Ellevest. For context, that’s $ 25 on a $ 10,000 account.

It’ll make you feel good about your future — and not so judged.

13. Manage Your Credit Card Payments in One Place

women hands getting cash in a bank teller

Carrying more than one credit card balance can feel a bit like herding cats. Just when you think you have one under control, you realize you’ve let a different one slip away.

High interest rates and late fees can make it feel like you’ll never get those bills under control.

That’s where Tally comes in. It’s a simple app that lets you store and manage your credit card payments in one place, optimizing the amounts and times.

Simply download the app, scan in your credit cards, and if you qualify (with a minimum credit score of around 675), Tally will give you a line of credit with an interest rate between 7.9% and 19.9%* and use the lower interest rate to make managing your payments easy.

No more missed payments. Lower interest rates. All in one place. And don’t worry, Tally uses bank-level security, so your information is safe.

Tally is currently available in Arkansas, California, Colorado, Florida, Illinois, Louisiana, Massachusetts, Michigan, Minnesota, New Jersey, New York, Ohio, Texas, Utah, Washington and Wisconsin.

*Your APR (which is the same as your interest rate) will depend on your credit history and varies with the market based on Prime Rate. Accurate as of July 2018.

*The Ellevest The Penny Hoarder promotional offer is valid from July 25, 2018 to December 31, 2018 for the first 1,000 new clients of Ellevest who enter through this designated landing page. Clients who enroll and fund their non-retirement account will receive $ 25 added to their highest priority goal in their Ellevest account. Clients who enroll and fund their retirement account will receive a $ 25 Amazon gift card which can be redeemed by visiting www.amazon.com. Please review Amazon.com Gift Card Terms and Conditions prior to redemption. Ellevest is not responsible for lost Amazon Gift Cards. Ellevest’s processing time for depositing $ 25 into a client’s Ellevest account or delivery of a $ 25 Amazon gift card may be up to 60 days.

**Annual Rewards amounts will change based on the amounts you enter. The monthly spending category names and definitions may vary among issuers, and categories may not align one-to-one.

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder. She’s a big fan of gentle reminders.

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

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

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People Share Why They Don’t Use Financial Advisers; Some Alternative Ways to Get Financial Help

Many people just do not want to meet with a financial adviser despite the fact that using one may provide numerous financial advantages. Financial advisers provide objectivity of financial situations and give advice to help establish a more secure financial position.

A few personal finance professionals, authors, teachers and bloggers, from the Elevate Community, dedicated to uplifting people of color financially, shared their perspectives:

“Just Not Ready”

Just like weight loss, financial wellness is one of the top three new year resolutions and personal goals. Most people generally know what to do to improve their financial situation, but some are just not ready to do it.

“We like comfort!” says Andre Albritton of The Millennials Next Door. “A financial adviser will give recommendations outside of our comfort zone which can be a frightening experience.”

Money mantras like “save more and spend less” and “pay yourself first” have been stated by every financial expert. The reality is if a person is not mentally ready, they will not execute any plan.

Cost

On television, rich and famous people seem to be the only ones talking about meeting with financial advisers. This creates the perception that it takes thousands or millions of dollars to work with a financial adviser. The consumers living paycheck to paycheck with minimal or no assets (like a home, investments, etc.) may presume it is too expensive to meet with a financial adviser.

Many middle-class Americans are working hard to pay their bills and make ends meet. Paying to meet with a financial adviser may seem premature or unrealistic.

Denial

“People put off seeing a financial adviser for the same reason they avoid going to the doctor or dentist” shares Alfred Edmond Jr., BLACK ENTERPRISE Your Money Your Life Podcast host and co-author of Loving in the Grownzone. “They don’t want to deal with the choices, remedies, or lifestyle changes that will likely be necessary to improve their condition.”

People that practice avoidance in the hope that the problems will go away, or correct itself will deny the problem, and chose not to deal with the financial situation. Unfortunately, avoiding the dis-ease in the bank account will leave a person vulnerable to more financial hardships.

“People are embarrassed about their current (financial) situation and believe their choices got them in that predicament” explains Atiya Brown of Live Financially Savvy Podcast. “Since they don’t know the extent, they may tend to ignore and avoid.”

Pride

Almost 10 years ago, my pride almost put me in the poor house. I remember being ashamed to admit my major money mistakes and felt like a failure. I locked myself in a self-inflicted private prison of shame.

People suffer in silence because of their pride and the shame they feel because of making money mistakes. Making the decision to let go of the shame and ask for guidance will help to release the guilt.

Product Pushers

Julien Saunders of rich & REGULAR states, “Some financial advisers have a tendency to be pushy. Although well-intended, some (financial advisers) can make a person feel pressured. Consumers must fully understand the implications, alternatives, or cost to them as the investor.”

Some financial advisers are perceived as product pushers. Product pushing financial professionals turn off and scare away many consumers. Even though consumers know that financial advisers sell products, they do not want to feel pressured into purchasing products they don’t understand.

Stranger Danger

People do business with people they like, know, and trust. Sharing secret financial skeletons with  someone you don’t know can be extremely uncomfortable. It is even more frightening to give control of your money and assets to that stranger.

Patrina K. Dixon of It’$ My Money says, “Some people have trust issues. Therefore, if they do not trust the financial advisor, they will not be safe to share relevant information the adviser may need to assist the client.

 

Some Alternative Options to Using Financial Advisers 

Many are not ready for the financial commitment to meet or work with a financial adviser. Here are some alternative options and resources to help you “start where you are.”

Financial Blogs and Podcasts

Financial blogs are an excellent resource for free money tips and strategies. Here are a few blogs and podcasts to check out.

Tanya Rapley’s My Fab Finance Blog teaches millennial women of color how to regain control of their finances, overcome financial challenges, and pay off debt.

Talaat and Tai McNeely host the His And Her Money Podcast. Their podcast and blog aim to help married couples reach their financial goals together.

Marsha Barnes’ The Finance Bar Blog connects individuals to their financial wellness. She offers one-on-one coaching and an app that shows where your money is going.

Online Financial Tribes

John Hope Bryant, the founder of Operation Hope stated, “If you hang around nine broke people, you will be the tenth.” Connecting with people who have similar financial goals or have achieved the success desired is essential to financial success. Here are a few online financial tribes to check out.

The Live Richer Academy founded by Tiffany Aliche, who is known as The Budgetnista, is a membership-based online platform that offers courses designed to help participants take their finances to the next level.

Founded by Sandy Smith, of Yes I Am Cheap blog, Hustle Crew is a private Facebook group community that provides resources on entrepreneurship and starting a side hustle.

Financial Coaches

Financial coaches educate clients on the basics of money and credit management. They help their clients establish financial goals and create a customized plan to reach those goals. Financial coaches act as accountability partners to encourage and challenge their clients to success.

Financial coaching services range free through a non-profit programs to a few hundred dollars per hour to work with popular financial coaches privately.


Black Enterprise Contributors Network 

The post People Share Why They Don’t Use Financial Advisers; Some Alternative Ways to Get Financial Help appeared first on Black Enterprise.

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Happy birthday, Sean McVay, don’t let facing Belichick ruin the party

The Rams coach turns 33 on Thursday. When Bill Belichick was his age, he was just a position coach. Hey, between these two, age is just another number.
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Jack Bogle’s counter-intuitive lesson on American excellence: Don’t chase it

Jack Bogle's low-cost index fund innovation upended Wall Street and includes a counter-intuitive lesson. Americans have long been taught that paying more means getting more, but in investing, it's mediocrity (the average return) that is the best bet.
Commentary

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Brits don’t like Theresa May’s Brexit deal. But they still admire her grit.  

There was the head-spinning, cross-party, total defeat of the prime minister’s Brexit deal. Then the inglorious rescue of her government. At the center of the chaos, May still stands. Scholars of British politics cannot quite believe it. No leader before has survived such a parliamentary drubbing, described by many as “the worst in history.” But May has. How?
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Iyanla to Whitney: “Don’t Give Anybody That Much Control Over You” | Iyanla: Fix My Life | OWN

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The sweater you don’t like is a trillion-dollar problem for retailers. These companies want to fix it

"Shoppers return 5 to 10 percent of what they purchase in store but 15 to 40 percent of what they buy online," David Sobie, co-founder and CEO of Happy Returns tells CNBC.
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Don’t miss our “Fantastic Four: World’s…

Don’t miss our “Fantastic Four: World’s Greatest Week” livestream TODAY at 4pm ET for big news on what’s next for Marvel’s first family in comics, games, and more! Send us your comments and questions with the hashtag #FantasticFourWeek and tune in later to see if they get answered: marvel.com/fantasticfourweek

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Mike Pence: I Don’t Know Which Ex Presidents Told Trump to Build a Border Wall

NBC

Oops.

When Vice President Mike Pence was asked to name exactly which of President Trump’s predecessors supported his border-wall plan, the former Indiana governor came up empty.

On Friday, Trump stated: “This should have been done by all of the presidents that preceded me. And they all know it. Some of them have told me that we should have done it.”

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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WATCH: World News 01/04/18: Trump: ‘Without Borders, We Don’t Have a Country’

Navy SEAL accused of war crimes; Teen delivers custom teddy bears to families of fallen officers
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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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Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Trump: ‘Without borders, we don’t have a country’

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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

CHARITY UPDATE:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Brilliant $28 iPhone XS battery case loses all the bulk when you don’t need to charge

iPhone XS Battery Case On Amazon

Apple’s iPhone XS is a terrific phone in so many ways, but there are a few things we’d like to see improved. Of course the biggest issue with any phone is battery life, and the same can be said of the XS. Battery life is the sort of thing you can never have enough of. While the iPhone XS can easily take you though a normal day of relatively light phone usage, there’s no way it can power through a very busy day. That’s where the UGREEN Battery Case Portable Charger comes in. It more than doubles the amount of time you can go between charges, and it’s only $ 28 right now on Amazon. The coolest thing about this particular case is that if uses wireless charging and a magnetic battery pack, so when you don’t need extra battery life you can remove the battery pack and just use the protective case part.

UGREEN Battery Case Portable Charger 3600mAh Compatible for iPhone Xs X: $ 27.88

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  • 3600mAh Li-polymer rechargeable battery case effectively provide extra power to your iPhone XS, iphone X, double your iphone x battery life. Equivalent to add 16 hours phone call or 9.6 hours web browsing time.
  • 2 in 1 design, with phone case included, this UGREEN battery case can firmly attach the power bank to your iPhone X with powerful magnetic force, protecting your iPhone from scratches and also convenient for travelling.
  • With auto-sensing function, this battery charger case provides you instantly wireless charging without pressing a button. Recharge simply anywhere anytime. NOTE: To achieve auto-sensing function, please make sure you attach your iphone X to the included phone case.
  • 4-level LED indication clearly indicates you the charging status.The first light is 0-25% charging,the second light is 25-50%,the third light is 50-75%.
  • Worry-free warranty, UGREEN iphone x battery case is backed with 18 months manufaturer warranty and professional customer service support.

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Brilliant $ 28 iPhone XS battery case loses all the bulk when you don’t need to charge originally appeared on BGR.com on Fri, 28 Dec 2018 at 14:04:51 EDT. Please see our terms for use of feeds.


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Want to Make Bank After College? Don’t Pick One of These 11 Majors

We’ve already looked at the best college majors for all you undeclared freshmen out there. But what about the worst?

OK, so there’s really no such thing as “the worst” college major, and I have nothing against following your dreams. But six months after you graduate when that first student loan payment is due, you might feel a tinge of regret if you picked that major your parents scoffed at.

So, we looked at the median salaries for workers under 30 for 172 of the most common degrees to find the worst college major in terms of annual pay. We also considered how this pay has changed since 2013 to find majors that are getting even worse in terms of pay for recent graduates.

Pick one of these 11 majors at your own risk…

The 11 Worst College Majors for Recent Graduates

For this analysis, we dug into census data from 2017 and 2013 to find the college majors with the worst annual pay for recent graduates and the majors that have seen the biggest drop in median earnings over the past four years.

To make sure we were keeping everything consistent, we excluded folks with graduate degrees (that means you might still be able to make bank with one of these majors; it might just take an advanced degree). We also only included full-time, year-round workers.

We then looked at the jobs that the greatest percentage of graduates currently have, according to the American Community Survey. That way you get an idea of what types of occupations these graduates gravitate toward.

Still, you’ll see a lot of these degrees are what I would call “passion majors,” and our earnings data doesn’t include any side gig income that, say, a designer might make by selling T-shirt prints. Also, as you’ll see, a low-paying major isn’t necessarily a bad one — there are teachers, nurses, and social workers who are very important to our country with these degrees.

Here they are, arranged by median salary:

1. Industrial and organizational psychology

Median salary: $ 26,000

Change in earnings: -28%

A whopping 33% of those with a degree in industrial and organizational psychology are employed as a human resource worker. It makes sense, since this degree is pretty specialized for that field of work.

Graduates also became secretaries or administrative assistants, medical assistants or social service managers.

2. Composition and rhetoric

Woman writes in a notebook

Median salary: $ 30,000

Change in earnings: -22.7%

The greatest percentage of those who majored in composition and rhetoric do end up as writers, authors or editors (which likely explains the low pay ¯_(ツ)_/¯).

Other graduates include customer service representatives, retail supervisors and receptionists or information clerks.

3. Humanities

Median salary: $ 30,000

Change in earnings: -7.2%

This is a pretty general degree, and many graduates, around 10%, end up as elementary or middle school teachers right after college.

Teacher’s assistants and marketing or sales managers are also among the most common occupations for recently-graduated humanities majors.

4. Zoology

Median salary: $ 31,000

Change in earnings: -4.2%

I came really close to majoring in zoology before settling on music, and finally economics. Here’s why: More than 10% of all graduates currently work as veterinary assistants or take care of lab animals. Awww.

And nearly one-in-10 of all graduates are currently employed as “nonfarm animal caretakers.” Basically, zoo workers or those who work at aquariums.

5. Studio arts

Picture of woman painting a mural

Median salary: $ 34,000

Change in earnings: -11.4%

This was a tough list, emotionally, to put together. And it’s because of majors like studio arts. I lived and worked with artists all through college, so I know the passion that a degree in this field requires — but the pay just isn’t there for young graduates.

Roughly 13% of these grads end up as designers. Others end up as auditors, miscellaneous managers or retail supervisors. (Obviously, this doesn’t include side gigs these folks may run, like an Etsy store.

6. Linguistics

Median salary: $ 35,000

Change in earnings: -27.9%

Oddly enough, the largest percentage of young graduates with a linguistics degree actually end up as accountants or auditors. And the logic behind understanding the syntax of language also makes software development a popular field.

But, the majority are spread across other, low paying careers like paralegals or manufacturing sales representatives.

7. Music

Female Musiciasn Creating Music

Median salary: $ 36,000

Change in earnings: -4.6%

If I had remained a music major, I would have had a rough time financially right after graduating — and that’s coming from a journalist. I still play drums in my spare time and once taught percussion as a side gig, but I do think I ultimately made the right choice.

About 8% of new graduates start their careers as singers or musicians. The next most common occupations are miscellaneous managers, elementary or middle school teachers and waitress or waitresses.

8. Liberal arts

Median salary: $ 36,000

Change in earnings: -4.6%

Here’s another really general major that doesn’t pay off in the short term for new graduates. But that’s not to say it’s an unimportant or unnecessary degree — many graduates (around 10%) start out as elementary, middle or school teachers.

Others end up as customer service representatives, retail supervisors or teacher’s assistants.

9. General social sciences

Median salary: $ 36,000

Change in earnings: -4.6%

This is another general degree in which the greatest percentage of graduates end up as elementary or middle school teachers. And, in another instance of a low-paying major making a high impact, many other recent college graduates became social workers.

Those with this major also start out as retail salespeople, customer service representatives or office clerks.

10. Nutrition sciences

Median salary: $ 37,000

Change in earnings: -3.6%

More than one-in-six recent nutrition science graduates end up as dietitians or nutritionists, a nod to how specialized this degree is. But graduates are also employed as secretaries or administrative assistants, retail salespeople and personal care aides.

11. History

A man reads a book

Median salary: $ 38,000

Change in earnings: -2.1%

A plurality of history majors become elementary or middle school teachers, while the next big chunk become retail supervisors. Other recent graduates include customer service representatives, miscellaneous managers and secretaries or administrative assistants.

What if I Already Graduated With One of the Worst College Majors?

Don’t despair if you happen to have just graduated with one of these degrees. Personally, I wish I had majored in zoology rather than economics — I think I would be down to trade days of playing with numbers for days playing with red pandas.

But as you can see, these majors might make it difficult to pay back your student loans solely on your income in your first years in the workforce.

No-spend weeks might not make a huge dent in student loan debt, but they will help you be more conscious of frivolous spending.

It might not be the most popular option, but you could always move back in with your parents. Even something as simple as bringing your lunch to work four days a week can help pay down student loan debt.

Still, if you do happen to be a college freshman or high school senior reading this, you might want to check out this list instead — before you register for classes next semester.

Alex Mahadevan is a data journalist at The Penny Hoarder.  He was a music major for exactly two semesters in college.

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

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

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Nurse Alice: Don’t Ignore this Kotex Tampon Recall

While some of you may cringe that we’re talking about tampons this is a serious matter. No matter how much you despise Auntie Flo, this is one recall you should not ignore. Some Kotex tampons have been recalled after reports that the feminine-care product was unraveling and coming apart inside consumers’ bodies.

Kimberly-Clark, which manufacturers personal-care products, announced last Tuesday that the regular absorbency U by Kotex Sleek Tampons have been recalled in the United States, and Canada, because of “a quality-related defect,” explaining that some consumers reported having to seek medical attention “to remove tampon pieces left in the body.”

The company said in a news release that some consumers also reported irritation, infections, injuries and abdominal pain among other issues.

Women should be on high alert for symptoms of any retained tampon product. Unless the tampon has completely unraveled it may not be as obvious that all of its contents have not been removed. So please be sure to inspect the removed tampon to make sure it has been removed in its entirety. If the product has unraveled or come apart upon removal, please follow up immediately with a health professional who can inspect the area and remove any retained product. The provider can also inspect for any irritation, damage, injury, or infection that may be a result of remaining material.

In worse case scenarios, retention of tampon products can lead to Toxic Shock Syndrome (TSS). This is a rare lethal complication from a bacterial infection that creates toxins that overwhelm the body. TSS is treatable if recognized early. Signs and symptoms include sudden fever, nausea, vomiting, low blood pressure, confusion, muscle aches, and headache. Initial treatment includes a cocktail of antibiotics, medications to maintain adequate blood pressure, and IV fluids for dehydration and to flush out toxins.

The recall is limited to specific lots of U by Kotex Sleek Tampons, Regular Absorbency, that were manufactured Oct. 7, 2016 – Oct. 16, 2018, and distributed Oct. 17, 2016 – Oct. 23, 2018. Consumers can identify this product by looking for specific lot numbers found on the bottom of the package. A full list of recalled lot numbers is available on the U by Kotex website. Retailers have been alerted to remove the recalled lot numbers from shelves and post a notification in their stores.

No other U by Kotex-branded products are subject to this recall.

Watch Nurse Alice discuss it on NBC:

The post Nurse Alice: Don’t Ignore this Kotex Tampon Recall appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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Don’t trust the government to make Big Tech behave

The social-media wars are heating up. Congress has grilled Google’s CEO, and the British Parliament wants to hear from Facebook’s Mark Zuckerberg. Across the political spectrum, there are calls for the government to do something about Big Tech’s seemingly unaccountable power. Since we live our lives increasingly on social media, it’s understandable. But it’s a…
Opinion | New York Post

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WATCH: World News 12/14/18: Michael Cohen on Trump: ‘Don’t Believe What He is Saying’

Migrant child’s death being probed by Homeland Security; Santa helps blind child experience the magic of Christmas
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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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This airline banned puppies and kittens as emotional support animals—but don’t get mad yet

This airline banned puppies and kittens as emotional support animals—but don’t get mad yet


This airline banned puppies and kittens as emotional support animals—but don’t get mad yet

If you’ve traveled by air over the past few years, chances are you’ve encountered an emotional support animal or two. But while these cuddly companions can be a big comfort to passengers with anxiety and chronic health issues, they’ve also attracted a lot of criticism. Now, Delta Airlines is tightening the restrictions surrounding emotional support animals—starting with puppies and kittens.

According to CNN, starting on December 18th, passengers flying with Delta will not be allowed to bring emotional support animals younger than four months old. On flights longer than eight hours, emotional support animals of any age will be prohibited. A press release published by Delta on December 10th does note that if you bought your ticket before December 18th and have already requested a support animal, you’ll still be allowed to travel as originally planned—as long as you’re flying before February 1st.

The age restriction on traveling companions comes out of legitimate health concerns. The Center for Disease Control notes that dogs can’t be vaccinated for rabies before they’re three months old, while cats must wait until they’re two months old. Once an animal gets their shots, they are not considered officially immunized until a month later. Delta’s age restriction basically helps to ensure that animals on flights won’t be spreading a deadly infection.

Additionally, in its announcement, Delta wrote that from 2016 to 2017, there was an 84% increase in accidents involving service and support animals on flights—including animals relieving themselves on flights and biting passengers. The ban on emotional support animals on long flights is likely a change made in reaction to this.

John Laughter, Delta’s senior vice president of corporate safety, security, and compliance, said in the release that the airline would continue to review its policy.

“These updates support Delta’s commitment to safety and also protect the rights of customers with documented needs–such as veterans with disabilities–to travel with trained service and support animals,” he added in his statement.

For now, at least, it looks like we won’t be seeing any more emotional support puppies on Delta flights.

The post This airline banned puppies and kittens as emotional support animals—but don’t get mad yet appeared first on HelloGiggles.

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Don’t panic, but the Labor Department might access your credit report

Dear John: I recently reviewed my TransUnion credit report and learned Labor Secretary Alex Acosta had accessed my credit reports. Since I don’t work for Labor and I’ve not applied for credit from Labor or its federal credit union, it is alarming to me that Acosta and his staff would access my credit reports. I…
Business | New York Post

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Market experts: Don’t bail on stocks in 2019

Don’t bail out on the stock market just because your stomach can’t take it, market pros suggested last week. Yes, it will continue to be a rocky ride for investors. And yes, a bear market will eventually come (if not for a couple of years). But neither the stock market nor the economy is likely…
Business | New York Post

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Don’t become a pawn to Apple addiction

Dear John: Avid reader here. Now, about the recent [column] concerning Apple: My fear is that when you stop feeding the beast (Apple), they’ll come out with an iOS update that’ll spank us for not going out to buy the latest and greatest iPhone. Somehow or other they will slow down our phones and get…
Business | New York Post

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Don’t mess with Charging Bull

Fearless Girl, that marketing stunt gone wild, is gone from her spot facing down Charging Bull at the end of Broadway — but set to take a new home staring down the New York Stock Exchange by year’s end. That’s all good — but why exactly does the city insist that the Bull follow along?…
Opinion | New York Post

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As an Afro-Latina, Gina Rodriguez’s Comments Don’t Surprise Me

First things first, Latina women can be and say racist things, too.

In many Central and Latin American countries and communities, black women — let’s just say what it is, black people — are often erased or seen as second-class citizens. That reality is the first thing that came to mind when I saw the uproar concerning Gina Rodriguez’ statement about African American women making more money than Latina women in Hollywood.

“I get so petrified in this space talking about equal pay, especially when you look at the intersectional aspect of it, right? Where white women get paid more than black women, black women get paid more than Asian women, Asian women get paid more than Latina women, and it’s like a very scary space to step into,” said Rodriquez during a recent roundtable discussion with fellow actresses Gabrielle Union, Emma Roberts, and Ellen Pompeo.

I honestly think it is difficult for Rodriguez to see black women win; given the fact this is not the first time she has spoken on the success of black people. I’m not sure why since black women set the standard for liberation and lead movements women of color and white women benefit beyond the ranks of entertainment. Black women have had an unparalleled journey in the film industry.

Need Rodriguez be reminded of the women who fought to integrate plays, films, and television shows and made history despite adversity? Or should we recall the history of black women being subjected to playing roles similar to the realities their mothers and grandmothers lived through as servants, during extreme moments of injustice, poverty, and racism?

And yes — I stretched before I reached on this one. I get the context of Rodriguez’ comment. But at the end of the day, she had no right to use black women as a point of reference or comparison to communicate her feelings about diversity and equal pay in Hollywood; invalid or not.



Somebody get her on the phone.

Instead of counting a black woman’s coins, she should find ways to partner and collaborate with us. As someone who has been given the label and responsibility of a said activist, she could be using her energy to uplift women across the Latin community. But then again, that would require her to see and put on for Afro-Latin women who make less than her as some of the most underrepresented women in general. But that’s an entirely different story.

I often pay homage to my late immigrant Garifuna Honduran grandmother whose name I carry and use in my byline. Today, I decided to channel her Latin spice to call Rodriguez out and charge her with the task of being more mindful of her position as a young Latina with power and privilege.

I want to see all women win and we can’t do that if we’re not helping one another build.

 


The ideas and opinions expressed in this article are solely those of the author’s and not necessarily the opinion of Black Enterprise.

The post As an Afro-Latina, Gina Rodriguez’s Comments Don’t Surprise Me appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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As an Afro-Latina, Gina Rodriguez’s Comments Don’t Surprise Me

First things first, Latina women can be and say racist things, too.

In many Central and Latin American countries and communities, black women — let’s just say what it is, black people — are often erased or seen as second-class citizens. That reality is the first thing that came to mind when I saw the uproar concerning Gina Rodriguez’ statement about African American women making more money than Latina women in Hollywood.

“I get so petrified in this space talking about equal pay, especially when you look at the intersectional aspect of it, right? Where white women get paid more than black women, black women get paid more than Asian women, Asian women get paid more than Latina women, and it’s like a very scary space to step into,” said Rodriquez during a recent roundtable discussion with fellow actresses Gabrielle Union, Emma Roberts, and Ellen Pompeo.

I honestly think it is difficult for Rodriguez to see black women win; given the fact this is not the first time she has spoken on the success of black people. I’m not sure why since black women set the standard for liberation and lead movements women of color and white women benefit beyond the ranks of entertainment. Black women have had an unparalleled journey in the film industry.

Need Rodriguez be reminded of the women who fought to integrate plays, films, and television shows and made history despite adversity? Or should we recall the history of black women being subjected to playing roles similar to the realities their mothers and grandmothers lived through as servants, during extreme moments of injustice, poverty, and racism?

And yes — I stretched before I reached on this one. I get the context of Rodriguez’ comment. But at the end of the day, she had no right to use black women as a point of reference or comparison to communicate her feelings about diversity and equal pay in Hollywood; invalid or not.



Somebody get her on the phone.

Instead of counting a black woman’s coins, she should find ways to partner and collaborate with us. As someone who has been given the label and responsibility of a said activist, she could be using her energy to uplift women across the Latin community. But then again, that would require her to see and put on for Afro-Latin women who make less than her as some of the most underrepresented women in general. But that’s an entirely different story.

I often pay homage to my late immigrant Garifuna Honduran grandmother whose name I carry and use in my byline. Today, I decided to channel her Latin spice to call Rodriguez out and charge her with the task of being more mindful of her position as a young Latina with power and privilege.

I want to see all women win and we can’t do that if we’re not helping one another build.

 


The ideas and opinions expressed in this article are solely those of the author’s and not necessarily the opinion of Black Enterprise.

The post As an Afro-Latina, Gina Rodriguez’s Comments Don’t Surprise Me appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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Don’t Lose Your Home. Fight Eviction With These 4 Strategies

A few months before the housing market began to implode, 22-year-old Alisa Daly and her boyfriend — now husband — were expecting their first child.

Working at a small trucking company in Arizona, she was close friends with the office manager, and her mother worked for the same firm. So Daly was shocked when her mom called and told Daly she was about to be laid off. Then, a few months after that, the couple’s car broke down and her boyfriend was fired when he didn’t show up for work.

“It made us feel miserable, overwhelmed, depressed and angry,” Daly says.  “We couldn’t get a job anywhere, doing anything. And no one would hire someone that was pregnant.”

As a renter in 2007, she was able to avoid eviction, unlike the 958,000 tenants who were evicted during the housing crisis. But she was on the precipice of a life-changing, community-altering tragedy, according to recent data compiled by the Eviction Lab, a project spearheaded by Princeton University professor Matthew Desmond with millions of dollars in support from the Gates, JPB and Ford Foundations and the Chan Zuckerberg Initiative.

Luckily, Daly, now a homeowner, negotiated a week-to-week payment plan to avoid falling behind in rent — demonstrating what experts say is your best bet if you’re facing eviction. She said dividing the rent into weekly amounts made it easier to budget for.

But when she moved to break her lease after an attempted burglary at her apartment, she also avoided any additional fees by hiring a lawyer and arguing that the landlord had violated the lease by not maintaining the apartment adequately — another option to fight an eviction proceeding.

Even as foreclosures have fallen 67% since the Great Recession, rental evictions declined only 9.6% to 898,479 in 2016, the latest year that statistics are available. And with experts growing concerned about housing affordability, particularly for renters, and wages remaining mostly stagnant, the eviction epidemic is likely to continue.

“If you live in a community that is plagued by eviction, then it is absolutely an epidemic, but it’s an epidemic that’s always been occurring,” said David Dworkin, president and CEO of the National Housing Conference and former housing policy adviser at the U.S. Treasury Department. “And if you don’t live in one of those communities, it’s an epidemic that’s been easy to ignore.”

Here’s Some General Advice on How to Stop an Eviction

A mattress and other belongings are piled hapazardly on a sidelwalk outside the garage door of a house.

Since the Eviction Lab had difficulty compiling all eviction records from some states, including New York and California, the real numbers of people evicted are likely in the millions each year. It could be your neighbor. A family member. It might even be you.

As Alisa Daly’s story shows, you could end up facing eviction through no fault of your own.

Maricopa County, Arizona, Judge Pro Tem Jeremy Rovinsky can see 100 eviction proceedings during a busy day as he does temporary time behind the bench in civil court.

“It’s very difficult for me I have to look people in the eye, people who are struggling, people who are suffering, and tell them they have to leave their home,” he says. “The worst part of my job is having go look them in the eye and say this is the law.”

So how does an eviction work?

First, it’s illegal for landlords to try to evict you by themselves by changing the locks, turning off utilities or through any other method. They must go through the court system.

In most cases, you’ll be served with a notice to vacate, after which you will go before a judge. Be aware that it’s rare for a tenant to win an eviction case for nonpayment. If the judge rules in favor of the landlord, a law enforcement officer will show up and you’ll be forced out of your home.

Although specific eviction laws vary state-by-state, there are some general things you can do if you are facing eviction due to nonpayment of rent. Below, you can see the specific time frames landlords must follow during eviction proceedings, depending on your state.

Negotiate Any Way You Can With Your Landlord or Leasing Company

Usually, it’s in your landlord’s best interest to work out a payment plan so you don’t fall too far behind on rent. For Daly, that meant a week-to-week plan, but it could even be a grace period until you get back on your feet.

But be certain you get whatever agreement you come to in writing.

“[The landlord] neither wants the headache of going to court [n]or that apartment empty,” Rovinsky says.

Documents, Documents, Documents

Depending on your state, or county, there are technicalities that could force your landlord to halt eviction proceedings. These include failure to keep up the property or any sort of retaliation for demanding the landlord follow local tenant laws.

But you’ll need plenty of evidence. Hang on to your lease and read it thoroughly — or if you lost it, pick up a copy from your local Clerk of the Court. Save emails, memos and letters from your landlord and take photos of the property.

“Pictures really are worth 1,000 words in these situations,” said Alan Mills, executive director of the Uptown People’s Law Center in Chicago. “Judges have to figure out who’s telling the truth, and the more documentation, the better chance you have.”

Find a Legal-Aid Service or Church Group Near You

With all of the fine print in each state’s landlord-tenant laws, it was difficult enough just researching this article. If you lose a job, and especially if you have a family to look after, it can be head-spinning to figure out your legal options in an eviction process.

For one, know that a landlord can never lock you out or turn off the utilities — so stay calm and figure out your next move with the help of a local legal-aid office. Most are low-cost or free, and because they focus on working with marginalized folks, they’ll likely have an expert on tenants’ rights.

Rovinsky, the Arizona judge, recently had an eviction case in which a church congregation stepped in with $ 500 so a tenant could afford to avoid eviction for at least that month. Sometimes it can take just a month for you to get back on your feet.

Have a Backup Plan if You Can’t Fight the Eviction

“Make a contingency plan,” Mills says. “The worst thing that can happen to anyone is having the sheriff come put your stuff out on the street.”

That means using what savings you may have to rent a cheap storage unit for a month. And make sure you have a plan to keep your kids and family in place — whether that be with relatives or a homeless shelter.

Your first step should be to call the nationwide resource assistance hotline 211.

Once you are stabilized, know that an eviction will remain on your record. So before you pay for a background check when you are looking for a new apartment or home to rent, be up front with the landlord. You could spend half a month’s rent on background checks alone if you get denied a few times, Mills said.

But don’t lose hope; nonpayment of rent is the least harmful type of eviction to have on your record.

“If landlords only rented to people who have never been evicted, there would be a lot of open property,” Rovinsky said. “It doesn’t mean you’ll never rent again or that your life is over.”

Here Are State-By-State Eviction Guidelines

A couple who look sad hug in a room that is filled with moving boxes.

These brief guidelines will help you understand the timeline and some rights you have as a tenant if you can’t pay rent on time. There are many legal variations in each jurisdiction and even by housing type — and we are not authorized to give legal advice — so we have provided contact numbers for legal-aid services and tenants’-rights groups.

These organizations should help you understand your rights better and may help fight a potential eviction.

The Penny Hoarder also analyzed eviction rates — the percentage of rental properties where tenants faced an eviction in 2016 — to show the cities with the most evictions. For context, the national eviction rate is around 2.3%.

Alabama Arizona Arkansas California Colorado
Connecticut Delaware Washington DC Florida Georgia
Hawaii Idaho Illinois Indiana Iowa
Kansas Kentucky Louisiana Maine Maryland
Massachusetts Michigan Minnesota Mississippi Missouri
Montana Nebraska Nevada New Hampshire New Jersey
New Mexico New York North Carolina North Dakota Ohio
Oklahoma Oregon Pennsylvania Rhode Island South Carolina
South Dakota Tennessee Texas Utah Vermont
Virginia Washington West Virginia Wisconsin Wyoming

Alabama

In Alabama, the landlord must give the tenant notice and seven days to vacate unless the rental agreement is met. During that week, the tenant can pay the rent and the landlord is legally not allowed to pursue an eviction.

Legal Services Alabama, Statewide, 866-456-4995

Montgomery — 5.82%

Gadsden — 5.53%

Hueytown — 3.76%

Tillman’s Corner — 3.76%

Mobile — 3.66%

Arizona

In Arizona, where Rovinsky hears cases, tenants have five days’ notice ahead of being evicted. But there are three ways to fight an eviction in this state: Pay the rent in full within the five days; pay the rent in full and cover any applicable late fees after five days; or, before a final judgment, pay the rent, late fees and any court costs.

Drexel Heights — 6.15%

Tucson — 6.03%

Casas Adobes — 2.91%

Marana — 2.53%

Catalina Foothills — 1.99%

Arkansas

In Arkansas, landlords have two ways to evict you from your rental: a civil lawsuit or a criminal charge. If they pursue the former, they have to give you a three-day written notice that they will be suing you for “unlawful detainer” if you don’t vacate the property. After you receive a court summons, you have five days to object to the eviction.

In the case of a criminal charge, they will give you a 10-day notice of failure to vacate. If you don’t leave in 10 days, you’ll be charged with a misdemeanor and could be fined up to $ 25 for each additional day you stay.

Legal Aid of Arkansas, Jonesboro, 800-967-9224

Center for Arkansas Legal Services, Little Rock, 501-376-3423

Legal Aid of Arkansas, Statewide, 800-952-9243

Jacksonville — 1.99%

Marion — 1.96%

West Memphis — 1.85%

Little Rock — 1.76%

North Little Rock — 1.68%*

*These are eviction filings as opposed to actual evictions.

California

California law requires landlords to provide a three-day notice to vacate. If a tenant doesn’t pay rent within those three days, the landlord can file an eviction.

Bay Area Legal Aid, Oakland, 510-663-4755

Legal Aid Foundation of Los Angeles, 323-801-7991

Hemet — 5.08%

Moreno Valley — 4.81%

Perris — 3.31%

Arden-Arcade — 2.97%

Rancho Cordova — 2.86%

Colorado

Like California, Colorado also provides a three-day window before landlords can move to evict a tenant. But in this state, if you pay rent within that three-day period, the landlord can’t proceed with the eviction. If the tenants move out within three days, they are still liable for rent, and if the security deposit doesn’t cover the amount owed, the landlord may sue the tenant for the difference.

Colorado Affordable Legal Services, Denver, 303-996-0010

Northglenn — 6.24%

Aurora — 5.52%

Welby — 5.4%

Sherrelwood — 5.16%

Thornton — 4.64%

Connecticut

Connecticut has one of the more lenient nonpayment-of-rent laws, with the tenant given a nine-day period before the landlord can begin pursuing an eviction. But after that time frame, the landlord can give a three-day notification to move out of the rental.

Then, as in other states, a judge will weigh both sides during an eviction hearing if the tenant wants to challenge the eviction.

Connecticut Fair Housing Center, Hartford, 860-247-4400

Connecticut Legal Services, Middletown, 860-344-0447

Waterbury — 6.1%

Hartford — 5.73%

Bridgeport — 5.03%

New Britain — 4.68%

Meriden — 4.45%

Delaware

Tenants in Delaware have five days after the missed rent period to pay their landlord (once served with a notice to pay). If they don’t pay in that time frame, they will have to either fight the eviction in court or vacate the premises.

Legal Services Corporation of Delaware, Wilmington, 302-734-8820; 302-575-0408

Delaware Legal Help Link, Statewide, 302-478-8850

Wilmington — 7.62%

Glasgow — 7.05%

Dover — 6.94%

Bear — 6.04%

Brookside — 4.29%

Washington DC

In Washington, D.C., a landlord has to provide a 30-day window for the renter to pay rent in full with an official notice. But this is sometimes waived in rental agreements.

If a judge rules in favor of the landlord, the tenant has three days before removal from the property. D.C. is also a “pay-and-stay” jurisdiction, where tenants have until U.S. Marshals remove them from the rental to pay the rent and associated late fees.

D.C. Tenants’ Rights Center, Washington, 202-681-6871

Howard University School of Law Fair Housing Clinic, Washington, 202-806-8082

Districtwide — 2.59%

Florida

In the Sunshine State, a landlord must send an official three-day notice for the tenant to pay rent. If the tenant pays within three business days of receiving the notice, the landlord cannot legally proceed with an eviction. But, if you fail to pay rent within those three days, you will be served with a summons and have five days to respond to the eviction lawsuit

Florida Housing Coalition, Tallahassee, 850-878-4219

Jacksonville Area Legal Aid, 904-356-8371

Lauderhill — 7%

Pine Hills — 5.88%

Jacksonville — 5.34%

University (Tampa area)  — 5.26%

Miramar — 4.65%

Georgia

Landlords in Georgia do not have to wait between notifying tenants about missing rent and filing an eviction notice. So once tenants receive a notice, they may end up in eviction court right away.

Also, Georgia law doesn’t require a written eviction notice, so a landlord can verbally serve an eviction notice. But Georgia law does allow the tenant to pay without penalty the owed rent within seven days after receiving a court summons.

Atlanta Volunteer Lawyers Foundation, 404-521-0790

Georgia Legal Services Program, Atlanta, 404-206-5175

Redan — 13.99%

Union City — 11.67%

East Point — 11.3%

Candler-McAfee — 11.17%

Warner Robins — 10.69%

Hawaii

Landlords in Hawaii must provide tenants with a written five-day notice before pursuing an eviction.

Hawaii Fair Housing Enforcement Program at Legal Aid Society of Hawaii, Honolulu, 808-536-4302

Hilo — 0.51%

Kihei — 0.41%

Kahului — 0.26%

Idaho

Idaho law also requires a written three-day notice be provided to the tenant before proceeding with the eviction process. A tenant can pay rent within that window to stop the eviction proceedings.

Also, Idaho law allows tenants to withhold rent to request repairs..

Idaho Legal Aid Services, Boise, 208-336-8980

Nampa — 1.31%

Post Falls — 1.29%

Burley — 1.2%

Caldwell — 1.18%

Twin Falls — 1.16%

Illinois

Illinois law calls for a five-day notice before a tenant can be sued for eviction. If the tenant pays rent in that time frame, the landlord can’t pursue an eviction.

Illinois Tenants Union, Chicago, 773-478-1133

Legal Aid Society of Metropolitan Family Services, Chicago, 312-986-4000

Matteson — 5.92%

Crest Hill — 5.5%

Kankakee — 5.35%

East St. Louis — 5.27%

Bolingbrook — 4.67%

Indiana

Indiana may have a high eviction rate compared with the rest of the country, but it does have a more lenient landlord-tenant law, at least when it comes to the notice. Landlords are required to provide a 10-day written notice before filing suit, during which time the tenant can pay back rent.

Indiana Legal Services, Statewide, 844-243-8570; Bloomington office, 812-339-7668 or 800-822-4774

Indiana University Bloomington Tenant Assistant Project

Griffith — 11.27%

Marion — 8.52%

Elkhart — 8.50%

Auburn — 8.06%

Kokomo — 7.95%

Iowa

Iowa landlords are required to give tenants a three-day window to pay the owed rent before filing an eviction lawsuit. If the tenant pays rent during that time frame, the landlord can’t sue for eviction.

Iowa Legal Aid, Statewide, 800-532-1275

Waterloo — 5.73%

Davenport — 4.72%

Clinton — 4.02%

Ottumwa — 3.72%

Council Bluffs — 3.49%

Kansas

In Kansas, landlords must provide a three-day notice for tenancies that have lasted less than three months and a 10-day notice for those that have been in place longer.

Kansas Legal Services, Topeka, 800-723-6953

Edwardsville — 7.68%

Park City — 6.88%

Kansas City  — 5.60%

Bonner Springs — 4.86%

Wichita — 4.44%

Kentucky

In Kentucky, tenants are given a seven-day window to pay rent before a landlord can pursue eviction. But like most states, a tenant can fight the eviction in court if the landlord did not hold up his or her end of the lease agreement.

Legal Aid of the Bluegrass, Lexington, 859-431-8200

Kentucky Legal Aid, Western Kentucky, 866-452-9243

Legal Aid Society, Louisville, 502-584-1254

Shively — 5.45%

Franklin — 4.84%

Louisville — 4.82%

Lexington-Fayette — 4.59%

Campbellsville — 4.48%

Louisiana

Louisiana law calls for a five-day notice before a landlord can file an eviction lawsuit. However, that five days is only a grace period to vacate; the state does not allow the tenant to pay rent and avoid eviction.

Legal Services of North Louisiana, Shreveport, 318-222-7186

Southeast Louisiana Legal Services, Baton Rouge, 225-448-0331; Hammond, 985-345-2130; Covington, 985-893-0076

Woodmere — 7.23%

Baton Rouge — 6.45%

Slidell — 5.49%

Baker — 5.13%

Marrero — 4.30%

Maine

In Maine, a tenant must fall seven days behind in rent before a landlord can issue a notice of eviction. After that, a tenant has seven days to pay rent to stop the eviction proceedings.

Pine Tree Legal Assistance, Portland, 207-774-8211

Waterville — 5.25%

Lewiston — 4.79%

Sanford — 4.68%

Augusta — 4.28%

Biddeford — 4.25%

Maryland

Maryland is one state that has no notification period for landlords who want to evict a tenant. Technically, they can sue a tenant for eviction the day after they serve the resident with a notice.

Still, if tenants pay rent, late fees and court costs on or before the day of the hearing, they can avoid eviction.

Public Justice Center, Baltimore, 410-625-9409

Maryland Legal Aid, Baltimore, 410-951-7777

South Laurel — 7.14%

Chillum — 3.37%

Bowie — 1.93%

Laurel — 1.88%

College Park — 1.50%

Massachusetts

To avoid being sued for eviction, tenants in Massachusetts have a 14-day period to pay rent or vacate their rental after a landlord serves legal papers.

Alliance of Cambridge Tenants, 617-499-7031

Quincy Community Action Programs, 617-479-818, ext. 4

Haverhill — 2.93%

Lynn — 2.75%

Weymouth — 2.71%

Brockton — 2.69%

Framingham — 2.53%

Michigan

Michigan-based landlords must serve a written seven-day notice before they can file to evict a tenant. The tenant can pay the owed rent within that window to remain in the rental, however.

Lakeshore Legal Aid, Statewide, 888-783-8190

Michigan Poverty Law Program, Ann Arbor, 734-998-6100

Muskegon — 10.91%

Saginaw — 10.54%

Battle Creek — 9.98%

Dearborn Heights — 9.82%

Jackson — 9.71%

Minnesota

In Minnesota, landlords aren’t required to give any notice before pursuing an eviction unless the tenant is “at will” — meaning under an informal, usually month-to-month lease. In that case, a landlord must provide a 14-day notice to vacate before suing for eviction.

Home Line, Minneapolis, 866-866-3546

Southern Minnesota Regional Legal Services, St. Paul, 888-575-2954

East Bethel — 2.59%

Brooklyn Park — 1.86%

Brooklyn Center — 1.44%

Moorhead — 1.38%

Ramsey — 1.23%

Mississippi

Mississippi law requires a three-day notice to pay rent before a landlord can file an eviction lawsuit against a tenant for nonpayment.

Mission First Legal Aid, Jackson, 601-608-0050, ext. 2

Mississippi Center for Legal Services, Statewide, 800-498-1804

Horn Lake — 11.90%

Gulfport — 9.68%

Pascagoula — 9.38%

Jackson — 8.75%

Southaven — 7.86%

Missouri

Unlike most states, Missouri doesn’t have a specific time requirement for a landlord to demand rent before filing an eviction. However, most legal sites do recommend that landlords give at least three days’ notice.

Arch City Defenders, St. Louis, 855-724-2489

Legal Services of Eastern Missouri, St. Louis, 314-534-4200 or 800-444-0514

Spanish Lake — 14.33%

Old Jamestown — 12.76%

Bellefontaine Neighbors — 11.51%

Berkeley — 9.13%

Murphy — 8.75%

Montana

In Montana, a a tenant has three days to pay rent upon being served with a notice of late payment by the landlord.

Montana Legal Services Association, Statewide, 800-666-6899

Evergreen — 3.69%

Lockwood  — 2.02%

Hardin — 1.92%

Butte-Silver Bow — 1.86%

Great Falls — 1.81%

Nebraska

In Nebraska, a landlord must serve a three-day notice to a tenant who is late on rent. The renter can avoid eviction by paying within that three-day window.

Legal Aid of Nebraska, Statewide, 877-250-2016

Plattsmouth — 4.79%

Omaha — 3.87%

Waverly — 3.24%

Chalco — 2.68%

Bellevue — 2.63%

Nevada

Nevada state statutes require landlords to serve a tenant with a five-day notice to pay rent before proceeding with an eviction. If the tenant pays rent in that window, the landlord can’t pursue the eviction.

Legal Aid Center of Southern Nevada, Las Vegas, 702-386-1070

Nevada Legal Services, Las Vegas, 702-386-0404; Reno, 775-284-3491 or 800-323-8666

Whitney — 6.82%

North Las Vegas — 5.82%

Sunrise Manor — 5.31%

Winchester — 5.15%

Paradise — 4.33%

New Hampshire

New Hampshire law provides a one-week time frame for a tenant to pay rent to avoid eviction. This seven-day period begins when the landlord serves the tenant with a written notice, and tenants can pay rent in full plus $ 15 during that period.

New Hampshire Legal Aid, Statewide, 800-639-5290

(No data on percentage of evictions available.)

New Jersey

New Jersey law doesn’t require a landlord to give a tenant a window to pay rent that is owed, so a tenant may face an eviction lawsuit immediately after failing to pay rent.

New Jersey Tenants Organization, Fort Lee, 201-342-3775

Fair Share Housing Center, Cherry Hill, 856-665-5444

South Plainfield — 0.07%

Newark — 0.05%

Westfield — 0.04%

Clifton — 0.03%

East Orange — 0.03%

New Mexico

New Mexico law requires landlords to serve tenants with a three-day notice to pay rent before pursuing an eviction.

New Mexico Legal Aid, Statewide, 833-545-4357

Albuquerque — 4.72%

Clovis — 3.58%

Roswell — 3.53%

South Valley — 3.10%

Grants — 2.93%

New York

New York landlords must give tenants three days to pay rent before pursuing an eviction. If the renter pays within that window, the landlord can’t sue for eviction.

Legal Services NYC, New York, 917-661-4500

Legal Services of Central New York, Syracuse, 877-777-6152

Poughkeepsie — 2.76%

Auburn — 1.74%

New York — 1.615 (Bronx, 6.23%, Brooklyn, 1.28%, Staten Island, 3.42%)

Watertown — 1.45%

Middletown — 0.95%

North Carolina

If a tenant is late paying rent in North Carolina, the landlord must serve a written notice that gives the renter 10 days to pay before filing an eviction. If the tenant pays within that window, the landlord can’t proceed with the eviction.

Pisgah Legal Services, Statewide, 828-253-0406, 800-489-6144

Graham — 11.14%

Kinston — 10.24%

Shelby — 9.10%

Henderson — 9.08%

Wilson — 8.60%

North Dakota

In North Dakota, a landlord must provide the tenant a three-day notice of eviction, and it must be served by a process server or deputy.

Ohio

In Ohio, the landlord must give a tenant a three-day notice before suing for eviction. However, unlike in other states, the landlord is not obligated to accept a rent payment during that period or halt the eviction process.

Legal Aid Society of Greater Cincinnati, 513-241-9400, 800-582-2682

Legal Aid Society of Cleveland Tenant Information Line, Cleveland, 216-861-5955. (For legal help, dial 216-687-1900 or 888-817-3777.)

Legal Aid Society of Columbus, 614-241-2001

East Cleveland — 8.87%

Middletown — 8.41%

Canton — 8.34%

Euclid — 7.93%

Trotwood — 7.72%

Oklahoma

Oklahoma law requires a landlord to serve the tenant with a five-day notice to pay rent before pursuing an eviction.

Legal Aid Services of Oklahoma, Oklahoma City, 405-521-1302

Neighbor for Neighbor, Tulsa, 918-425-5578

Tulsa — 7.77%

Del City — 7.32%

Midwest City — 6.63%

Durant — 6.46%

Oklahoma City — 6.19%

Oregon

Oregon has a more lenient law for nonpayment of rent, with a landlord required to wait eight days before serving the tenant with a notice of eviction. Then, the tenant has three days to pay rent or face an eviction lawsuit.

But the landlord has another option: Serve a six-day notice to pay rent on the fifth day after rent is due. Both give 11 days for a tenant to catch up on rent.

Legal Aid Services of Oregon, Portland, 503-224-4086

Portland Tenants United, 503-836-7881

Gresham — 2%

Springfield — 1.86%

Hayesville — 1.65%

Medford — 1.62%

Salem — 1.62%

Pennsylvania

Pennsylvania law requires a landlord to give a 10-day notice of eviction to the tenant, who can pay during that period and avoid eviction.

Regional Housing Legal Services, Glenside, 215-572-7300

Community Legal Services of Philadelphia, 215-981-3700

Glenolden — 10.03%

Folcroft — 6.99%

Brookhaven — 6.91%

Reading — 6.22%

Uniontown — 4.29%

Rhode Island

In Rhode Island, tenants have 15 days to pay rent after the due date before a landlord can serve them with a five-day notice to pay. If the renters don’t pay in those five days, the owner can pursue an eviction.

Rhode Island Legal Services, Providence, 401-274-2652

Providence — 3.82%

Cranston — 2.63%

Warwick — 2.44%

South Carolina

South Carolina law requires the landlord to serve a five-day written notice when the tenant is late with rent before filing an eviction lawsuit. However, the landlord can file suit without notice if the following language is in the lease agreement:

“IF YOU DO NOT PAY YOUR RENT ON TIME. This is your notice. If you do not pay your rent within five days of the due date, the landlord can start to have you evicted. You will get no other notice as long as you live in this rental unit.”

South Carolina Legal Services, Statewide, 888-346-5592

Ladson — 24.00%

St. Andrews — 20.66%

Dentsville — 19.01%

Hanahan — 17.84%

Florence — 16.65%

South Dakota

South Dakota law gives tenants three days to pay rent after it is due. The landlord can serve a three-day notice and file an eviction lawsuit if the rent isn’t paid in that window.

Dakota Plains Legal Services, Mission, 605-856-4444, 800-658-2297

East River Legal Services, Sioux Falls, 800-952-3015

Summerset — 1.9%

Brandon — 1.28%

Box Elder — 1.26%

Harrisburg — 1.09%

Rapid Valley — 1.09%*

* These are eviction filings as opposed to actual evictions.

Tennessee

In Tennessee, landlords must serve a 14-day notice to pay rent once the tenant is late. If the rent remains unpaid, then the owner can sue for eviction.

Memphis Area Legal Services, 901-523-8822

West Tennessee Legal Services, 17 counties, 731-423-0616 or 800-372-8346

Memphis — 4.89%

Athens — 4.13%

Clarksville — 3.90%

Cleveland — 3.51%

Nashville-Davidson — 3.42%

Texas

Texas is another state that requires a three-day notices before the landlord can file for eviction.

Austin Tenants Council, 512-474-1961

Lone Star Legal Aid, Houston, 800-733-8394

Killeen — 7.67%

White Settlement — 6.39%

Dickinson — 6.23%

Texas City — 5.98%

Fresno — 5.62%

Utah

Utah law requires a landlord to give the tenant a three-day notice before suing for eviction.

Utah Legal Services, Salt Lake City, 801-328-8891 (in Salt Lake County), 800-662-4245 (outside Salt Lake County)

Murray — 2.31%

West Valley City — 2.26%

Taylorsville — 1.97%

Midvale — 1.82%

Magna — 1.79%

Vermont

Vermont is another state with lenient laws regarding nonpayment of rent. When a tenant is overdue on rent, the landlord must issue a 14-day notice to pay before filing an eviction lawsuit.

Vermont Legal Aid, Statewide, 800-889-2047

Barre — 0.23

Montpelier — 0.11

St. Johnsbury — 0.08

St. Albans — 0.06

Virginia

In Virginia, landlords must issue a five-day notice to pay rent before starting eviction proceedings against a tenant.

Northern Virginia Affordable Housing Alliance, Northern Virginia, 571-572-2238

Legal Aid Justice Center, Charlottesville, 434-529-1849

Central Virginia Legal Aid Society, 21 counties and municipalities, 800-868-1012

Petersburg — 17.56%

Hopewell — 15.69%

Portsmouth — 15.07%

Richmond — 11.44%

Hampton — 10.49%

Washington

Washington requires a  landlord to issue a three-day notice to pay rent before suing a tenant for eviction.

Fair Housing Center of Washington, Tacoma, 253-274-9523

Everett — 2.06%

Parkland — 1.99%

Lakewood — 1.89%

Longview — 1.74%

Spokane — 1.66%

West Virginia

West Virginia laws allow landlords to immediately terminate a lease and file an eviction lawsuit as soon as the tenant fails to pay rent on time.

Legal Aid of West Virginia, Statewide, 866-255-4370

Martinsburg — 10.22%

Ranson — 8.09%

Westover — 7.83%

Elkins — 7.14%

Beckley — 5.75%

Wisconsin

A landlord has two options for evicting a tenant for failure to pay rent. The owner can issue a five-day notice, in which time the tenant can pay up to avoid eviction. Or the owner can issue a 14-day notice to vacate, in which the tenant has no choice but to move out or face eviction.

Legal Action of Wisconsin, Milwaukee, 414-278-7722

Tenant Resource Center, Madison, 608-257-0006 ext. 5

Racine — 5.56%

Beloit — 4.34%

Milwaukee — 4.25%

Kenosha — 3.89%

Janesville — 3.39%

Wyoming

Wyoming-based landlords must provide a three-day notice to tenants before pursuing an eviction lawsuit.

Legal Aid of Wyoming, Statewide, 877-432-9955

Casper — 1.76%

Riverton — 0.91%

Lander — 0.85%

Rock Springs — 0.80%

Evanston — 0.78%

Alex Mahadevan is a data journalist at The Penny Hoarder.

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

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Don’t eat romaine lettuce, CDC urges amid E. coli concerns

The US Centers for Disease Control and Prevention warned US consumers on Tuesday to not eat romaine lettuce, as it may be contaminated with E. coli.


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What You Don’t Know About WeWork’s Julie Rice

SoulCycle founder and WeWork partner Julie Rice spoke Tuesday at a Women’s Leadership Breakfast hosted by Berns Communications Group at specialty retailer Story in Manhattan’s Meatpacking District. The brief Q&A session had Story founder Rachel Shechtman, who became Macy Inc.’s brand experience officer after the retailer in May acquired Story, query Rice about founding SoulCycle and about some new leases that WeWork signed. Rice kept mum about plans for the leases, but did speak about WeMarket, the test concept at four locations focused on helping brands who are WeMarket members figure out how to build communities around their products.
Rice said brand owners need to understand that “you can’t put stuff on shelves and expect to create a bond” with customers. She also spoke about creating “Shark Tank” nights to mentor brands on how to grow. An example was a food company where product was made in the owner’s kitchen and how that wouldn’t work if the person really wanted the ability to scale production.
What did get the attendees attention was Rice’s disclosure that she is a “major claustrophobic,” noting that “I will not take elevators.” That led to another disclosure — and admiration from many attendees — of how she

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What Your GYN Knows That You Don’t

Your GYN can be one of the most important advisors on your overall health since so many women’s health issues stem from their reproductive system and their hormones. Dr. Jessica Shepherd wants to bridge the game between what she and other GYN’s know and what you should know about your gynecological and overall health. Here are some facts and figures about GYN health.

Q: WHAT ARE THE DIFFERENT TYPES OF BIRTH CONTROL?

A: There are so many to choose from and why all women should have a consultation on what ones are best for them.  There is the birth control pill, the shot, the patch, the injectable, the IUD and also barrier methods like condoms and even the most effective birth control – abstinence.

Q:  WHAT DOES IT MEAN IF YOU HAVE PERSISTENT  MENSTRUAL PAIN?

A: It can mean a variety of things which is why you should see your GYN, it can be an ovarian cause, a uterine cause, endometriosis or fibroids.

Q: WHAT CAUSES ABNORMAL PERIODS?

A: Hormones, stress, polyps in the uterus, fibroids, thyroid disease.

Q: WHY IS IT IMPORTANT NOT TO SKIP YOUR ANNUAL EXAM?

A: The annual exam is the best way to stay on top of your health and this should be done to make sure you have the best pelvic health, cancer screening and also health preventative testing as well as immunizations like the FLU SHOT!

Q:  IF YOU’VE HAD A HYSTERECTOMY, CAN YOU CAN GET AN ANNUAL EXAM EVERY OTHER YEAR? 

A: Technically if the cervix was taken in the hysterectomy you do not need a PAP smear except for special cases but an annual exam is much more than just a pelvic exam.  There is screening for mammograms, diabetes, STD checks and more

Q: AS A PRECAUTIONARY MEASURE, WHAT TYPES OF TESTS DO WE NEED TO ASK OUR DOCTOR FOR DURING OUR ANNUAL EXAM?
A: PAP, mammogram, diabetes screening, cholesterol panel, STD check

Q: WHAT IS ENDOMETRIOSIS AND HOW IS IT TREATED?

A: Endometriosis is a very complex chronic pelvic pain condition that affects women differently and is due to endometrial tissue from the uterus in different places in the pelvis and can cause a lot of pain 

Q: DOES INSURANCE COVER THE COST OF ALL TYPES OF BIRTH CONTROL?

A: Most types are covered – however that cost should be discussed with each insurance payer and coverage plan

Q: IS IT PAINFUL GETTING AN IUD?

A: Painful it ISN’T but it can be considered uncomfortable. However, it is a quick 5 min procedure in the office and pain medications can be taken prior to help minimize the pain

Q: CAN OVARIAN CYSTS BE PREVENTED?

A: The ovaries have a job to do……………. Make follicles every month and that means cysts. So cysts are not bad, they can sometimes get big, be filled with fluid or blood and then they can also rupture, which can cause pain 

Q: AT WHAT AGE CAN YOU TO STOP GETTING A PAP SMEAR?

A: At the age of 65 unless you have had a hysterectomy with the removal of the cervix and no history of abnormal PAP smears or cervical cancer.

Dr. Jessica Shepherd is a gynecologist and the founder of an online women’s health forum called Her Viewpoint. She’s appeared on “Good Morning America,” “The Today Show” and “The Dr. Oz” show. And she’s a regular on local news stations in Dallas. As a medical expert, Dr. Shepherd contributes to multiple national magazines and websites.

 


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Democrats need someone they don’t want in order to win in 2020

Joe Biden is a gaffe-prone 75-year old Washington veteran — who is exactly what Democrats need. The suburbs have turned against Republicans, but President Trump’s working-class base is still with him in a geographic and demographic stand-off that will — absent a game-changer — define the 2020 election. The play for Democrats should be obvious:…
Opinion | New York Post

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‘You don’t go to jail for lying on TV’: GoFundMe scam suspect allegedly says in tape

A lawyer for one of the suspects in a GoFundMe scam released a tape recording.
ABC News: Top Stories

SPECIAL NEWS BULLETIN:

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

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Don’t Want Turkey for Thanksgiving? Here are 5 Turkey Alternatives

Anyone else out there want another dish besides turkey for Thanksgiving? If so, believe it or not, you’re not alone. A recent Yahoo survey revealed many Americans are moving beyond making the turkey as the center of attraction. Why not try some of these turkey alternatives  this year?

Roasted Leg of Lamb with Black Cherry-Pomegranate Salsa
“One of the most exciting cuts of meat to celebrate with is a bone-in leg of lamb. The presentation is so luscious on a big carving board or platter. Up in Michigan, we are always looking for new ways to eat our abundant cherries–dressed with pomegranate molasses and spooned over the lamb, they taste just as striking as they look, a perfect sweet and tangy balance to the rich meat.” (Source:Maureen Abood of Yahoo.com)

turkey alternatives

(Pinterest)

 

Slow-Cooked Duck with Green Olives and Herbes de Provence

turkey alternatives

(Pinterest)

“This is the most forgiving and delicious duck recipe you’ll ever find. By slow-cooking duck with aromatics until it’s as tasty and tender as confit, then broiling it until the skin is shatter-crisp, Paula Wolfert manages to play to all of the bird’s strengths.”(Source: Food and Wine Magazine)

Very Vegetable Lasagna

turkey alternatives

(Pinterest)

“Spinach is the star of this vegetable lasagna recipe. The veggie-based recipe makes one large lasagna (9 by 13 inches) or two smaller ones (8 by 8). For the perfect make-ahead meal, prepare two vegetable lasagnas; bake one now, and freeze the other for later.”
(Source: Martha Stewart)

Cuban-Style Shredded Beef (Ropa Vieja)

turkey alternatives

“This version of ropa vieja is made with beef and accented with olives and capers. The recipe first appeared in the April 2012 Saveur issue along with Kathleen Squires’s story, Spanish Conquest.” (Source: Saveur.com)

Smoked Pork Sausage with Hard-Cider Sauce

turkey alternatives

(Pinterest)

“Classic autumn flavors come together in this crowd-pleasing dish of smoked pork sausage with a sweet-tart hard-cider sauce and sauteed broccoli.” (Source: Food and Wine Magazine)

 

The post Don’t Want Turkey for Thanksgiving? Here are 5 Turkey Alternatives appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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Don’t Want Turkey for Thanksgiving? Here are 5 Turkey Alternatives

Anyone else out there want another dish besides turkey for Thanksgiving? If so, believe it or not, you’re not alone. A recent Yahoo survey revealed many Americans are moving beyond making the turkey as the center of attraction. Why not try some of these turkey alternatives  this year?

Roasted Leg of Lamb with Black Cherry-Pomegranate Salsa
“One of the most exciting cuts of meat to celebrate with is a bone-in leg of lamb. The presentation is so luscious on a big carving board or platter. Up in Michigan, we are always looking for new ways to eat our abundant cherries–dressed with pomegranate molasses and spooned over the lamb, they taste just as striking as they look, a perfect sweet and tangy balance to the rich meat.” (Source:Maureen Abood of Yahoo.com)

turkey alternatives

(Pinterest)

 

Slow-Cooked Duck with Green Olives and Herbes de Provence

turkey alternatives

(Pinterest)

“This is the most forgiving and delicious duck recipe you’ll ever find. By slow-cooking duck with aromatics until it’s as tasty and tender as confit, then broiling it until the skin is shatter-crisp, Paula Wolfert manages to play to all of the bird’s strengths.”(Source: Food and Wine Magazine)

Very Vegetable Lasagna

turkey alternatives

(Pinterest)

“Spinach is the star of this vegetable lasagna recipe. The veggie-based recipe makes one large lasagna (9 by 13 inches) or two smaller ones (8 by 8). For the perfect make-ahead meal, prepare two vegetable lasagnas; bake one now, and freeze the other for later.”
(Source: Martha Stewart)

Cuban-Style Shredded Beef (Ropa Vieja)

turkey alternatives

“This version of ropa vieja is made with beef and accented with olives and capers. The recipe first appeared in the April 2012 Saveur issue along with Kathleen Squires’s story, Spanish Conquest.” (Source: Saveur.com)

Smoked Pork Sausage with Hard-Cider Sauce

turkey alternatives

(Pinterest)

“Classic autumn flavors come together in this crowd-pleasing dish of smoked pork sausage with a sweet-tart hard-cider sauce and sauteed broccoli.” (Source: Food and Wine Magazine)

 

The post Don’t Want Turkey for Thanksgiving? Here are 5 Turkey Alternatives appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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Draymond Green reportedly told Kevin Durant: ‘We don’t need you. We won without you. Leave’

Draymond Green got into an argument with Kevin Durant so feisty, it caused a Warriors player to predict Durant will now leave Golden State in free agency next summer. Green blurted to Durant something along the lines of, “We don’t need you. When Green and Durant bickered last year in a similar, though less heated, incident, it was claimed Green was using “reverse psychology” to motivate Durant.

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Numbers Don’t Lie: ‘Today’ Ratings Improve Since Megyn Kelly’s Firing

Megyn Kelly’s firing from the 9am hour of the ‘Today’ show has been good for ratings.

via Page Six:

Variety reports that since Kelly was canned about three weeks ago, “viewership in the key demographic favored by advertisers in that time period is up around 10 percent.”

The news will perhaps not surprise NBC brass, who saw viewers abandon the time slot in droves after Kelly took over from Tamron Hall and Al Roker in 2017.

Anecdotally, “Today” also saw a spike in viewers after it fired Matt Lauer last November.

Maybe ‘Today’ should fire everyone and hire a slate of fresh, new, and diverse talent.

The post Numbers Don’t Lie: ‘Today’ Ratings Improve Since Megyn Kelly’s Firing appeared first on lovebscott – celebrity news.

lovebscott – celebrity news

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Don’t miss the Fabled by Marie Claire Black Friday shopping event

You’re invited to an exclusive Black Friday shopping evening to stock up on all your beauty favourites…

fabled by Marie Claire Black Friday shopping evening

The Fabled by Marie Claire Black Friday Shopping Event will include 20% off in store for one night only plus a complimentary glass of bubbly and a goodie bag. Taking place at our 5,000 sq ft flagship beauty emporium on Tottenham Court Road, London, you’ll also be able to meet the Marie Claire beauty team for 121 beauty advice and recommendations.

fabled by Marie Claire Black Friday shopping event

Fabled by Marie Claire is the one-stop-shop for beauty junkies, with an extensive range of premium and niche brands, including Benefit, ghd, Urban Decay, NARS and Perricone MD. But here’s the game changer: now you can get the products you love, exactly when you want them. As well as our huge store, Fabled by Marie Claire is online at fabled.com to provide you with next-day delivery. You can choose an allocated delivery time slot, seven days a week, so you never have to wait for that all-important parcel again.

When

Thursday 22nd November

Time

6.30-9.00 pm

Where

Fabled by Marie Claire, 21 Tottenham Court Road, London W1T 1BJ

Tickets

£10 each; includes 20 per cent off in store, a complimentary glass of bubbly and a goodie bag, one per customer. You can buy your ticket here.

Terms & Conditions: Tickets are non-refundable. Goodie bag given with every ticket purchase, one goodie bag per person.

The post Don’t miss the Fabled by Marie Claire Black Friday shopping event appeared first on Marie Claire.

Marie Claire

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Mindy Kaling says people have trouble with “women who don’t hate themselves,” and it’s a sad truth

Mindy Kaling says people have trouble with “women who don’t hate themselves,” and it’s a sad truth


Mindy Kaling says people have trouble with “women who don’t hate themselves,” and it’s a sad truth

There’s no denying that Mindy Kaling is goals—she’s a show runner, actress, and best-selling author, and she seems to genuinely love the skin she’s in. Which—as she noted in a recent speech—isn’t always easy, or even encouraged, among women. During Glamour’s 2018 Women of the Year Summit on November 11th, the Mindy Project star noted that some people are “turned off” by her confidence.

“It’s not that I’m into myself,” she said. “It’s that I don’t hate myself. In my career, a lot of people have a problem with being around women who don’t hate themselves. Never hate yourself.”

We are so here for Kaling’s observation. Women are still socialized to downplay their accomplishments, to apologize before contributing in meetings, and to generally take up as little space in a room or situation as possible. And when they don’t? They’re hit with labels like “conceited,” “arrogant,” and, yes, “bitchy.” And it has got to stop.

Kaling’s advice for women looking to build their confidence and make their dreams come true is to always feel prepared. “I always just did the legwork, and it meant I never came to anything unprepared. The only reason I was able to be confident was because I literally couldn’t not be confident with the amount of research and preparation I did.”

Thank you for your wisdom, Mindy. We’re taking note.

The post Mindy Kaling says people have trouble with “women who don’t hate themselves,” and it’s a sad truth appeared first on HelloGiggles.

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Don’t Be Dopey: Here’s How to Get the Most Out of Your Disney Dining Plan

Most families roll up to the gates of Magic Kingdom dreaming of Mickey hugs and Space Mountain thrills. My family blows right past Snow White on a quest for cheeseburger spring rolls and Dole Whips. It’s all the pixie dust we need.

To transform the Manhattan-sized property into a playground for your taste buds, Walt Disney World has developed the Disney Dining Plan. The plan proposes to save you time and money as you eat your way around the World, and most people claim they can at least break even.

I’ve broken down the price of the Standard Disney Dining Plan to see how much you’ll save over buying food and drink outright — and I’ve added 10 years of my own Disney Dining Plan hacks to help you get the most out of your meals with Mickey.

Get to Know the Standard Dining Plan

Guests who stay at a Walt Disney World Resort hotel are eligible to purchase a Disney Dining Plan. The plans provide a certain number of credits to each person in the resort room. These credits can be redeemed at over 200 table and counter service restaurants across the parks and resorts. There are a few different dining plans: Quick Service, Standard and Deluxe.

The Quick-Service Dining Plan includes only fast food-style counter service meals, and the Deluxe Dining Plan comes at a premium price and includes extras like wine and more than one table service meal every day.

We’ll be looking at the Standard Dining Plan, which includes both counter service and table service meals.

2018 Standard Disney Dining Plan Cost-Per-Night:

Adults: $ 75.49

Children 3 to 9: $ 25.80

For each night of your stay, the 2018 Standard Dining Plan includes:

  • 1 table-service meal credit: includes entree, nonalcoholic beverage and dessert; or buffet.
  • 1 quick-service meal credit: includes entree with beverage.
  • 2 snacks.
  • 16-ounce souvenir mug, refillable at all resort beverage stations.

Note that your dining credits are for each night of your stay, not each day. This will come into play for our strategy later. In the meantime, let’s see how to get the most out of that refillable mug.

Your Mug Runneth Over

A photo of a refillable mug at Disney World.
The refillable resort mugs at Walt Disney World Resort can reap savings after the first drink. Rain Blanken/The Penny Hoarder

The refillable mug bundled into the price of your Disney Dining Plan retails for $ 18.99, but it’s actually worth so much more — if you do it right.

For a six-night stay, this mug averages out to a cost of $ 3.16 per day.

Fountain beverages average about $ 3.99 (price varies per location) per 16 ounces, so you’re already saving on that first drink. But don’t just snag a pop with dinner. If you grab coffee in the morning, a soda in the afternoon and hot chocolate in the evening, your mug is worth $ 11.97 in drinks on the first day of your stay.

In fact, the high-tech chip on the bottom of the mug will allow you to fill that bad boy for free every two minutes. (Please don’t drink a sweet tea every two minutes.)

The mugs are not usable in the parks but are usable across the 30 Walt Disney World resorts — not only the one you’re staying in.

When my husband and I heard of this fantastic tomfoolery, our eyes met and it clicked. With gleeful smiles, we remembered we had packed our own plastic bottle of rum in our luggage. Yep, that’s right, parents. If you pack in your own booze, the rum and Cokes at Disney resorts are close to free.

That’s about $ 7 per drink saved over visiting the bar, not including the tip. But drink responsibly, Penny Hoarders. You can’t bring alcohol into the parks, and if you’ve saved over $ 40 with this tip today, go back to your room and watch Dumbo for some pink elephant life lessons. No one likes a Disney lush.

All-You-Care-To-Eat Restaurants

Disney dining plan
Cousins Vinnie Harris and Evelyn Long share a bottomless milkshake at the Whispering Canyon Cafe. Rain Blanken/The Penny Hoarder

A buffet sounds like a great way to use a table-service credit, right? But not all buffets at Walt Disney World provide the same value. Here are a few that are your best bets and book up fast. I recommend making reservations for these months in advance of your trip.

Dinner at Whispering Canyon Cafe, $ 51 value: Yee-haw! The servers at this Disney World Wilderness Lodge Resort restaurant double as entertainers here, and you’ll likely experience a napkin shower or two. Li’l cowpokes could be led through a parade or even ride a wooden horse through the restaurant.

The All-You Care-to-Eat Skillet ($ 33.00 for adults for now, $ 35.15 starting December 16, 2018) on the menu has barbequed favorites and down-home sides. Order the bottomless milkshakes ($ 9.00) to maximize your value, and order the Granny Smith Caramel Apple Tart with gelato ($ 9.00)

Disney dining plan
A breakfast platter, including Mickey-shaped waffle, at Ohana in Disney’s Polynesian Resort, which offers character greetings and a view of Cinderella’s castle. Rain Blanken/The Penny Hoarder

Breakfast at Ohana ($ 40.47 adult, $ 24.50 child): Located at Disney’s Polynesian Resort, your luau morning begins with

Mickey, Stitch and friends visiting for photos and hugs right at your table. To start your day off with some magic, cast members will conduct a Hawaiian parade with the kids.

The all-you-care-to-eat breakfast of eggs, sausage, Mickey waffles and more is served in a large pan in the middle of the table and continuously refilled by your server. You’ll have a view of Cinderella’s Castle across the Seven Seas Lagoon as you dine, and the monorail can take your full bellies straight to the Magic Kingdom.

Dinner at Akershus Royal Banquet Hall at Epcot ($ 64.97 adult, $ 39.41 child): Your vacation dollar often comes down to time well spent, and character greeting lines can eat into your time at Disney. Let the princesses come to you.

At Akershus Royal Banquet Hall, Belle will give your little princess a royal greeting at the door, offering a special photo opportunity and some time to chat about the royal life. Up to five princesses will later come right to your table for photos and then lead the kids in a royal parade.

The meal includes access to a traditional all-you-care-to-eat Norwegian cold bar (unlimited smoked salmon, anyone?), then your choice of an entree (like “Tradisjonell Kjøttkake“ traditional Norwegian meatballs) and a dessert platter for the table to share.

Dinner at Cape May Cafe ($ 55.38 adult, $ 30.89 child): This seaside-themed restaurant at Disney’s Beach Club Resort is a seafood lover’s dream. No protocol, parades or waiting here — just hit the buffet until you can’t.

Grab crab legs by the bucket and eat all the mussels, clams and salmon you can handle. Since seafood typically comes at a premium, the value here is particularly delicious.

Don’t Go Signature. Unless…

A woman dressed in traditional Hawaiian gard performs with children wearing leis.
Young guests join an entertainer onstage during the Spirit of Aloha dinner show at Disney World. Photo courtesy of Walt Disney World Resorts

Dinner shows, private dining and some upscale “signature” restaurants require two table service credits per meal.

Most character meals and buffets use one table service credit, so there’s no need to go signature unless you’d like to splurge for something extra special, like dining with Cinderella in her castle.

One consideration for signature dining and meal credit splurging: Do you have extra credits?

Remember, the dining plan gives a credit for each night of your stay. The credits don’t expire after the night is over, so you’re likely to have some left over from the day you arrived.

To get the most out of your first night’s meal credits, the standard advice is to arrive on Disney property early. But let’s get real; most of us aren’t arranging our flight plans around making it to lunch.

The silver lining to an afternoon or evening arrival is that you’ve created a surplus of credits to eat like a king during your stay. The value of the extra credits is negligible because you didn’t have time in the morning or afternoon to use them on your arrival day anyway. Allot those extra credits to meal experiences that cost two table service credits.

Often, guests realize only on the last day that they have extra credits to spend and end up leaving with 20 Mickey rice cake treats in their suitcase. Be sure to check your receipt after every meal transaction to keep tabs on your credits.

Don’t Get Breakfast

A Mickey-shaped waffle may be on your list of Disney food goals, but it’s better to pay out of pocket for the pleasure. Breakfast is by far the cheapest meal of the day across Disney parks and resorts, so your dining credits are best reserved for lunch and dinner.

The parks typically open at 9 a.m., so a quick bite in the room is the most cost- and time-efficient solution for families eager to make the most of their ticket price. Microwaveable breakfast options can be packed in your luggage or scored via a local delivery service. You can even use the in-room coffee maker to pipe out hot water for instant oatmeal.

My only exception to this rule is the absolutely magical all-you-can-eat character buffet at the previously mentioned Ohana. It can get some character greetings out of the way for the day, helping you to avoid those long lines at Magic Kingdom. This is a good trade-off to maximize your park ticket price.

Skip the Soda at Counter-Service Locations

A styrofoam cup of chowder
Substitute the New England Clam Chowder (menu price of $ 6.49) as an extra side instead of a fountain soda to maximize your Disney Dining Plan value at Columbia Harbour House in Magic Kingdom. Rain Blanken/The Penny Hoarder

This is a little-known dining plan hack that could really pack your bag with portable munchies. At most quick service locations, you can swap your beverage out for a snack-type item or bottled water.

Quick service restaurants with a fountain beverage station offer free cups of water, so there’s really no need to use the beverage portion of your quick service credits.

“Snack” category items are labeled as such on the menu and include everything from soup to fries to cheesecake. Swap them for wrapped treats to stash in your bag for munching on during parades or waiting for the fireworks.

Alternatively, if someone in your party just isn’t that hungry when you stop, you can score a side item like chili or fries and even save their whole quick service credit for later.

This strategy also increases the value of your credits. For example, it’s possible to swap a $ 3.99 soda at Pinocchio’s Village Haus for $ 4.99 breadsticks. If you do this for all sodas during your trip, you’re racking up the savings every time you skip a sugary drink.

Swap for Snack Credits

A big chocolate frosted donut with whole rasberries on top at Disney World.
The Croissant Doughnut with Chocolate Hazelnut Cream at the annual Epcot Food & Wine Festival’s Taste Track booth is a good use of a snack credit, retailing at $ 6.50. Rain Blanken/The Penny Hoarder

At a quick service location, you can ask the cashier to swap one quick service credit for three snack credits. This is especially handy during the fall Epcot International Food & Wine Festival, where pop-up kiosks around World Showcase allow you to sample tastes from around the globe.

Some food and wine festival items have a higher ticket price but are still available as snack credits. Shoot for anything over $ 5 to maximize your value.

My go-to is the lobster roll at a booth near the American Adventure Pavilion which retails for $ 7.75, making it one of the best uses of a snack credit. The escargot croissant at the France pavilion is priced at $ 5.75, and the Croissant Doughnut with Chocolate Hazelnut Cream near Test Track hikes your snack credit up to a $ 6.50 value.

Use Snack Credits for Souvenirs

Chocolate bars at a souvenir store in Disney World.
A $ 5.99 Mickey chocolate bar is a great use of a leftover snack credit and makes a great souvenir for folks back home. Rain Blanken/The Penny Hoarder

Did you know that the wrapped Mickey-shaped rice cakes in the souvenir shop count as a snack credit? So do the Chip ’n’ Dale trail mix packs and sleeves of Disney cookies, or the new Mickey chocolate bars in flavors like Strawberry Truffle or Key Lime Pie. Look for any snack marked with the Disney Dining Plan snack icon.

If you have people back home to buy souvenirs for, consider using a snack credit to appease their Disney needs. You’ll likely have a few snack credits left over at the end of the trip, and these treats are as exclusive to Walt Disney World as any other (likely pricier) souvenir.

So How Much Can You Save?

A woman with a backpack and wearing Mickey Mouse ears shaped liked donuts looks across a lagoon during sunset at Disney World.
Rain Blanken, sporting donut ears and perhaps contemplating her next Disney dining hack, looks across Epcot’s Crescent Lake at sunset. Photo by Evelyn Long

For our example of an adult on the standard Disney Dining Plan ($ 75.49), here is a day of maximizing your value:

  • Quick Service Credit: Lunch at Pinocchio’s Village Haus: Chicken Parmesan Pasta, $ 12.99 and swapped fountain drink for a side of breadsticks, $ 4.99.
  • Table Service Credit: Dinner at Whispering Canyon Cafe: $ 51.
  • Snacks: Dole Whip float for $ 5.99; funnel cake with powdered sugar at $ 6.99.
  • Refillable Mug: Coffee in the morning and a soda in the evening for about $ 8.

Total Value: $ 89.96

In this example, you’ve already exceeded the day’s food plan cost by $ 14.47. This is excluding extra savings like only visiting the most valuable meal options I listed above, using your refillable mug more than twice and mixing your own adult drinks.

But you don’t have to spend your vacation tallying up the numbers. The reason many people get a Disney Dining Plan is so they can relax; like a cruise, the food is paid for up front.

Just try to beat the average meal value every time, swap those sodas for packaged snacks and use the refillable mug as much as you can. I promise you’ll go home with far too many Mickey-shaped rice crispy treats.

Rain Blanken (@RainLovesDisney) is a senior editor at The Penny Hoarder. She is a former Disney Vacation Planner, and has written on budget travel for About.com, WorldofWalt.com and InsidetheMagic.net.

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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Forget About WWE Crown Jewel, But Don’t Forgive

Right up front, I didn’t watch WWE Crown Jewel. I may someday but, most likely, probably not. So sharpen all your “you can’t complain about something you didn’t watch” swords. Lunge at me all you’d like.

Now that the dust has settled from WWE’s second, and far more controversial of the two, Saudi Arabian PPV event, it’s time to take some serious freakin’ stock. While also acknowledging that Saudi Arabia isn’t the only country WWE’s recently rented out its services to, as Australia’s Super Show-Down PPV was just a little over a month ago.

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Bill Maher on Being Targeted by Pro-Trump Mail Bomber: ‘They’re So Stupid, They Don’t Know Science’

HBO

This past week, we learned that in addition to shipping pipe bombs to the Obamas, the Clintons, Joe Biden, Rep. Maxine Waters, CNN, George Soros, Robert De Niro and a host of others, pro-Trump mail-bombing suspect Cesar Sayoc was also looking to target comedian Bill Maher, whose management firm was evacuated after it received a suspicious package addressed to him (it was thankfully a false alarm).

And on Friday night’s Real Time, the political satirist addressed the controversy as only he could.

Everybody has to vote,” announced Maher to cheers from his in-studio audience, before joking, “We have an election. Democrats, if you’re voting by mail, make sure there’s enough stamps on your thing, and Republicans, the same goes for your bombs.”

Read more at The Daily Beast.

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Bill Maher on Being Targeted by Pro-Trump Mail Bomber: ‘They’re So Stupid, They Don’t Know Science’

HBO

This past week, we learned that in addition to shipping pipe bombs to the Obamas, the Clintons, Joe Biden, Rep. Maxine Waters, CNN, George Soros, Robert De Niro and a host of others, pro-Trump mail-bombing suspect Cesar Sayoc was also looking to target comedian Bill Maher, whose management firm was evacuated after it received a suspicious package addressed to him (it was thankfully a false alarm).

And on Friday night’s Real Time, the political satirist addressed the controversy as only he could.

Everybody has to vote,” announced Maher to cheers from his in-studio audience, before joking, “We have an election. Democrats, if you’re voting by mail, make sure there’s enough stamps on your thing, and Republicans, the same goes for your bombs.”

Read more at The Daily Beast.

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Chinese official tells American investors at a meeting: We don’t fear a trade war with the US

"China never wants a trade war with anybody, not to mention the U.S., who has been a long term strategic partner, but we also do not fear such a war," a leading member of a key Chinese committee tells American business leaders.
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You Don’t Have To Be Scared of Halloween Costs With These Free Kids’ Events

Halloween doesn’t have to be a one-day celebration.

Let’s make the most of those kids’ costumes, shall we?

Several retail chains across the nation are hosting children’s events for the spookiest holiday of the year. They’re free entertainment for the little ones, which makes it a win-win for parents and kiddos alike.

1. Disney Store

Saturdays in October just got a lot more magical. The Disney Store will host its Haunted Halloween Party for kids 3 to 12. Partygoers will go home with free light-up Mickey Mouse pumpkin wristbands.

When: Oct. 20 and 27 at 1 p.m., 2 p.m. and 3 p.m.

Be sure to: Register in advance. Party attendance is limited to the first 20 children who RVSP for each time slot. Contact your local store to reserve your spot. Outlet locations won’t be hosting the Halloween events.

2. Bass Pro Shops

This outdoor recreation retailer will host eight days of free Halloween fun starting Oct. 20. Kids can create crafts, play games, walk in costume parades, take photos with the Peanuts gang and go trick-or-treating.

When: Oct. 20 and 21 from noon to 5 p.m., Oct. 26 from 5 to 7 p.m., Oct. 27 and 28 from noon to 5 p.m., Oct. 29 and 30 from 5 to 7 p.m. and Oct. 31 from 4 to 8 p.m.

Be sure to: Read this post for details on the schedule of events.

3. Michaels

The arts and craft chain will host several Halloween-themed classes this month, but the real treats are the free events. Children have the chance to create gooey slime creations on Oct. 21 and 27. Also on Oct. 27, little crafters can make three holiday-themed art projects — plus get their faces painted.

When: Ultimate Slime Party Oct. 21 from 2 to 4 p.m., Monster Bash Oct. 27 from 10 a.m. to noon and Monster Slime Party Oct. 27 from 1 to 3 p.m.

Be sure to: Register in advance online or by contacting your local Michaels.

4. Target

Target — a favorite retailer of moms everywhere — will host a  “PAW Patrol”-themed Halloween event for kids to party with their favorite pups from Adventure Bay. Enjoy the festivities and stay for a screening of a special episode of the PAW Patrol TV show.

When: Oct. 27 from 10 a.m. to 1 p.m.

Be sure to: Bring your kid in costume for trick-or-treating. There will be other giveaways as long as supplies last.

5. Simon Malls and Premium Outlets

Trick-or-treating at a mall is like the G-rated, child-centric version of barhopping for adults — except with there is candy instead of beer and everything is free.

Simon Property Group owns over 200 malls and outlet shopping centers in 37 states and Puerto Rico. Several locations will host Halloween activities for kids this year.

Tyrone Square Mall, my local mall in St. Petersburg, Florida, will host crafts and treat-or-treating on Oct. 31 from 5 to 8 p.m. Some locations will celebrate prior to Halloween. For example, Norfolk Premium Outlets in Norfolk, Virginia, will host trick-or-treating on Oct. 27 from 4 to 7 p.m.

When: Dates and times vary by location.

Be sure to: Contact your nearest Simon property for details.

Bonus: PetSmart

Parents of four-legged fur babies can visit PetSmart Oct. 20 and 21 for the store’s “Who’s Your Boo?” costume parade and Halloween event.

The stores will give out free pet treats and coupons to help you save money during your visit. The first seven guests who arrive at the each location’s event will get a free pet collar safety light.

When: Oct 20 and 21 from noon to 3 p.m.

Be sure to: Dress up your pet for the chance to win a prize.

Nicole Dow is a senior writer at The Penny Hoarder. She loves discovering free kids’ events. Her daughter has gone trick-or-treating at Bass Pro Shops and Tyrone Square Mall.

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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Larry Kudlow on U.N. climate change report: ‘I don’t think we should panic’

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‘I want to show them that I don’t care’: Melania details life in the White House

Melania Trump, maybe America’s most private first lady ever, opens up in an exclusive interview with ABC News.
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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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Ashley Graham Attacked For Losing Weight In New Pic: ‘You Don’t Look Like A Curvy Model Anymore’

Ashley Graham rose to fame by breaking the mold as a plus-sized model. After apparently losing some weight, she’s now getting slammed for not looking as curvy as she once did.

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Don’t buy the UN’s bull — The US isn’t killing planet Earth

The United Nations and nearly 100 climate scientists from across the globe have issued their latest environmental primal scream. Thanks to climate change, the planet is evidently on a path of “unprecedented environmental destruction” that will destroy life on earth as we know it. Within a generation we’ll be overwhelmed by catastrophic wildfires, rising sea…
Opinion | New York Post

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Feet Don’t Lie! An Expert’s Tips on Reading Body Language

One look at how people are standing and Linda Clemons can tell the type of work they’d be best at and the outlook they typically bring to what they do. She can scan a room and spot the risk-taker, the decision maker, the most likely to be biased or to succeed.

Fake it til’ you make it? Not around Clemons. She can call out a crafty liar, even if they don’t utter a word.

The CEO of Indianapolis-based Sisterpreneur Inc., is a body language expert, certified in undercover surveillance tactics she uses to benefit clients from Southwest Airlines, Nestlé, and Major League Baseball to U.S. Customs and the FBI.

reading body language

Body language expert Linda Clemons

Petite and unassuming, she also consults with lawyers on jury selection and Fortune 500 clients seeking competitive advantages for their sales teams.

The ability to seamlessly blend into a room is a job requirement, but hand Clemons a mic and she transforms into her own version of Beyoncé’s alter ego Sasha Fierce. Entertaining and on-point in her ability to connect with audiences of all ages and backgrounds, she will have you in stitches, even as she goes about the very serious work of schooling you on the nonverbal cues that are the most telling, and useful.

Here are her top three tips on reading body language:

Feet don’t lie. The eyes may be the window to the soul but, in non-verbal communication, the most illuminating cues happen south of the face. Feet, for example, point in the direction that we really want to go. Have you ever been in a networking situation and you’re in a circle and all of a sudden someone’s foot turns out even though they seem engaged? Says Clemons: “They’re ready to get up out of there.”

Even in silence, the mouth says a lot. Biting a bottom lip or pressing the mouth together is a sure signal of holding back. Clemons explains, “It’s what you automatically do in a meeting when somebody says something and you think to yourself, `That is absolutely cray-cray.’ Then you’re asked what you think and your first response is lip compression.”

Mastering eye contact is tricky. Yes, eye contact matters and “Don’t be the first to look down,” says Clemons, “because that signifies defeat or submissiveness.” Her secret for winning at the steady-gaze game? Rather than look directly into the eyes, look slightly above the brow line. It’s easier to hold that gaze and not look away, but the effect is the same.

The post Feet Don’t Lie! An Expert’s Tips on Reading Body Language appeared first on Black Enterprise.

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Check Out These Hidden Gems at Your Local Library That Don’t Cost Anything

It probably comes as no surprise that, as a writer, I love the library.

I adore being surrounded by books, magazines and newspapers. But the library is so much more than that, so we’d like to share some of the unique benefits you can get from your local library.

The best part about all this is they don’t cost a thing — and you can save hundreds of dollars.

Take Full Advantage of Your Library Card

Did you know some libraries lend cake pans? Others lend microscopes and musical instruments.

This post on nine unusual things you can borrow from public libraries will have you asking your librarian for a lot more than just book recommendations.

There’s an App for That

Sometimes you don’t even have to set foot in your library to gain access to books, magazines, movies and other media.

Your library may partner with apps like Hoopla, which offers digital access to music and TV shows in addition to your favorite ebooks and audiobooks.

Check out this post for other apps that might be available for library card holders.

Revamp Your Career at Your Local Library

Looking for a new job can be stressful, but the quiet environment of a library might be the perfect place to get a little focus.

While you’re there, make sure to take advantage of other resources, like free career workshops or access to adult learning programs.

See this post for more ways your library can help your career.

Nicole Dow is a staff writer at The Penny Hoarder.

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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Don’t believe their lies. We know the truth. 👊 Drop by the…

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Martellus Bennett To Kanye West: ‘Don’t Drag Kaepernick Into Your Sh*Thole’

Former NFL tight end Martellus Bennett has joined the chorus of voices who are not here for the nonsensical rants of Kanye West. So he took time to address the troubled rapper and his views on president Donald Trump and Colin Kaepernick.

West tweeted Wednesday about contacting the former San Francisco 49er to arrange a meeting with Trump. However, Bennett isn’t feeling it. In fact, he doesn’t like Ye even speaking about the quarterback-turned-activist.

Hear his thoughts about the controversy in the clip above.

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14 Places in America Where the Usual Laws Don’t Apply

While some states, towns, and regions impose stringent statutes on residents, others are more lax and opt to limit personal freedoms as little as possible. Click through for a list of locales around the country where the law of the land is more lenient than you might expect.
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Teri Hatcher uses her own sexual assault to prove to President Trump that victims don’t always remember details

Teri Hatcher, much like Christine Blasey Ford, doesn’t remember everything about her sexual assault.

The “Desperate Housewives” alum, who revealed in 2006 that her uncle, Richard Hayes Stone, sexually abused her when she was 5, penned an open letter to President Trump about her own memories of…

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Don’t treat e-cigarettes like cigarettes, say experts

Assuming e-cigarettes are equal to cigarettes could lead to misguided research and policy initiatives, argue experts in a new commentary, which distills articles and published studies that compare e-cigarettes to cigarettes and supports the importance of investigating e-cigarettes as a unique nicotine delivery system.
Teen Health News — ScienceDaily

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You Don’t Need a Green Thumb to Easily Grow These 5 Herbs at Home

If you’re anything like me, you love the smell and taste of fresh herbs but seem to kill every plant with the misfortune of living at your house. That’s why I tend to rely on dried herbs and freshly picked herbs when cooking for my family.

But dried herbs just aren’t the same as fresh, and I usually can’t get through an entire pack of freshly cut herbs so end up throwing them away. Since I hate waste and love food, I decided to look at the best way to grow herbs, and which herbs are the easiest to grow.

Plant Care 101

Before you start planting, you need to consider where you’re growing your herbs. The best way to keep them contained is to grow each herb in an individual pot. Growing them this way also allows you to put them outside for some sunlight on a nice day and bring them inside overnight or when it’s cold.

I spoke with Amy Enfield, consumer horticulturist with Scotts Miracle-Gro, to get some tips on growing herbs indoors.

Use the Right Pot

Some pots have solid bottoms, but for growing herbs you need to look for pots with drainage holes in the bottom to allow excess water to escape, Enfield says.

Location, Location, Location

Kaitlyn Blount poses with her herb seedlings at her home in Tampa, Fla.
Kaitlyn Blount is growing herb seedlings at her home in Tampa, Fla. She is trying to grow thyme, parsley, chives and dill. Sharon Steinmann/The Penny Hoarder

If you put your herbs in the darkest corner of the kitchen and leave them to their own devices, they won’t do very well. “Indoor herb plants will require light, water, food and frequent trimming,” she says.

Instead, choose a window that faces south or southwest and gets at least six hours of sunlight. Create a reminder on your phone to check on them often to see if they need anything.

Don’t Overwater

Too little water can be fatal for a plant, but so can too much water .

“When the soil on the top looks dry, simply stick your finger an inch into the soil. If the soil is moist you can wait; if the soil is dry, it is time to water,” recommends Enfield.

Check the soil more often when the weather is hot and dry. This is one area where I fail at growing plants, so I recommend putting the herbs in a location where you’ll easily see them and be reminded to check them. Alternatively, you can write a note or create a reminder on your phone or computer.

Trim and Feed

“Frequent, light trimming of herbs every two to three weeks, regardless of whether you are using them for cooking, will keep your plants compact and growing new leaves,” says Enfield. She recommends never removing more than one-third of the plant at once, and waiting until your herbs measure six inches tall before harvesting them.

“Frequent trimming also keeps your herbs from flowering,” Enfield says. This means more leaves to use in recipes.

Herbs to Grow at Home

Certain types of herbs are easier to grow than others. Here are five simple herbs you can grow at home.

Basil

A woman harvests basil from a plant.
Sharon Steinmann/The Penny Hoarder

Stan Miklis, farmer and degreed horticulturist with 40 years experience growing herbs, works at Caliper Farm to Table. One of his top recommendations for anyone to grow at home is basil.

“[Basil] is absolutely the best for the Italian kitchen and outdoor aroma,” he explains. “[It’s] easy to grow because any loose seedlings will reproduce new plants.”

Basil is typically used in pasta sauces and pizza, but can also be cut up in a salad for an extra pop of flavor, or infused in water with cucumber or strawberry for a refreshing summer drink.

Miklis also recommends Thai basil, which is a fragrant and tasty addition to your garden or kitchen.

“[Thai basil] makes a soothing tea called tulsi,” he says. All you need to grow this herb is soil and water. Additionally, Miklis explains that “a piece of stem placed in a jar of water will sprout new roots,” making it easy to grow new plants to share with friends and family.

Cuban Oregano

Tatyana Rodriguez, botanist and writer for Florence’s Flowers, recommends Cuban oregano as one of the easiest-to-grow herbs.

“Cuban oregano is a very hardy plant [that] likes warmer climates,” she explains. “It doesn’t require that much water [and] prefers full sun, but can also grow in the shade.”

This is one plant that is impossible to overwater. “They tend to grow faster if you keep the soil drenched [and] eventually will look like a bush,” says Rodriguez. You can also easily take a clipping of your Cuban oregano and use it to start a new plant.

Rodriguez mentions numerous health benefits of Cuban oregano, such as treating skin conditions, detoxifying the body, defending against the common cold, easing arthritis pain, stress relief and optimizing digestion.

Citronella

Another easy-to-grow herb recommended by Miklis is citronella. If you live anywhere that mosquitoes thrive, you’ve probably heard of this plant. It’s a main ingredient in mosquito-repellent candles and other remedies.

“[Citronella] grows outside when temperatures are favorable for mosquitoes,” explains Miklis. “[It’s] essential for outdoor living [and] easy to grow in low light.”

Mint

A woman harvests mint from a plant.
Sharon Steinmann/The Penny Hoarder

Any gum-chewer knows that there are multiple types of mint, the most popular ones being spearmint and peppermint. Mint is also used in various recipes and is delicious infused in water with lemon (or in a mojito after a long day).

When it comes to growing mint at home, even the most challenged gardener shouldn’t have problems getting it to thrive.

“All [mint varieties] grow so vigorously that they may become problematic,” explains Miklis. “I suggest growing [each one] separately in an elevated container.”

Lemongrass

Sign with text Lemongrass in front of planted lemongrass plants
Tuomas_Lehtinen/Getty Images

One of my favorite flavors is lemongrass, especially in Thai dishes. According to Miklis, lemongrass is also a wonderful herb to grow at home.

“[Lemongrass] is a lovely, swaying, tall grass that also releases the essential oil that repels mosquitoes,” he says. “[It’s] easy to grow in a wide variety [of] soils with a lot of water and bright light.”

Growing your own herbs is much cheaper than buying them from the store and you’ll notice a difference in the flavor of fresh herbs over dried or cut ones. Start with these five suggestions and branch out to other herbs as your green thumb develops.

Catherine Hiles loves cooking and eating, so having fresh herbs at home is ideal. Of the herbs mentioned, her favorite is mint, which she loves mixed with lemon and infused in cold water.

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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