JPMorgan Q4 Profit Rises, But Revenues Miss Estimates; Stock Down

JPMorgan Chase & Co. (JPM) reported Tuesday a profit for the fourth-quarter that grew 67 percent from last year. It took a one-time charge, as a result of the U.S. tax reform in the prior year. Net revenue for the quarter rose 7 percent from the previous year. Revenue for the quarter missed analysts’ expectations.
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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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When is Jane McDonald: Cruising Down Under on Channel 5 and where was the show filmed?

JANE McDonald is embarking on a new adventure in Australia as part of a series for Channel 5.

Here is what you need to know about Cruising Down Under and when you can catch it on TV.

Jane McDonald travels to Australia for her new Channel 5 series
Jane McDonald travels to Australia for her new Channel 5 series
Elephant House Studios

When does Jane McDonald Cruising Down Under start on Channel 5?

Jane McDonald: Cruising Down Under continues tonight, Friday, January 18, at 9pm on Channel 5.

The series is comprised of three episodes which are each one hour and 15 minutes.

Cruising with Jane McDonald first aired in 2017 with the singer visiting locations such as South America on luxury liners.

Jane first rose to fame when she appeared on the 1998 documentary series The Cruise as a singer aboard the ship Galaxy.

Jane McDonald in Sydney, Australia
Jane McDonald in Sydney, Australia
Elephant House Studios

What is Jane McDonald: Cruising Down Under about?

The series will see Jane McDonald explore all that Australia has to offer.

She’ll try her hand at indoor skydiving and get pampered with some holistic therapies.

To embrace the Aussie lifestyle she’ll also have a go at surfing.

Her cruise will take place on the ship used in the remake of the TV show The Love Boat.


Where was the series filmed?

The series starts off on The Gold Coast in Queensland, Australia.

Jane then travels to the village of Nimbin in New South Wales and Sydney.

Her adventures also see her travelling to Brisbane and Perth, including a trip to Rottnest Island.

The series will include sights such as the Great Barrier Reef and the Australian rainforest.

Throughout the show Jane will also get acquainted with some Australian wildlife such as koalas and dingoes.


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

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Barry Rosenstein’s Jana to shut down two of its equity funds

Barry Rosenstein’s Jana hedge fund is slimming down in the new year. Following years of lackluster returns, the fund told investors Tuesday that it was closing two of its equity funds to focus on its better-performing activist strategies. “This is where we have delivered our best returns for investors, developed a genuine competitive advantage, made…
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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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Aly Raisman Won Gold in Two Olympics Without a Scratch, but Broke Her Elbow Falling Down Stairs

(BOSTON) — Olympic gymnast Aly Raisman says she is recovering from a broken elbow suffered in a fall on the stairs.Raisman in a Twitter post says “I survived two Olympic Games and 19 years of gymnastics without ever breaking a bone … the stairs got me … I fell and broke my elbow.”

She also posted a picture of herself on a couch, her right arm in a cast, snuggling with a dog. Raisman is native of the Boston suburb of Needham.

Raisman, captain for both the gold medal-winning 2012 and 2016 U.S. women’s Olympic gymnastics teams, is also a best-selling author and a survivor of sexual abuse. She’s been an outspoken advocate for women who were abused or victimized, and a harsh critic of USA Gymnastics, the sport’s governing body.

Sports – TIME

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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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A French blogger brought down by his own tweets wants a second chance

At just 24, Mehdi Meklat was a star blogger for the French newspaper Libération, a frequent guest on national radio programs and the co-author of a critically acclaimed novel. Then journalists uncovered anti-Semitic and homophobic tweets, and his meteoric rise was overshadowed by a staggering fall.
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Shooter Jennings Breaks Down the Drinking Song

Jeff Zorabedian for The Daily Beast

Two men, a bottle of straight rye whiskey, an empty bar and the ghosts of country music legends Waylon Jennings and Merle Haggard.

It sounds like the making of a great drinking song but on a recent afternoon Shooter Jennings was in Brooklyn for a concert at the Knitting Factory. Given that his latest catchy song, D.R.U.N.K., is all about the joys of a good drink, it seemed only logical to meet before the show at the Shanty in Williamsburg for a glass or two of its signature Ragtime Rye and a look inside the adjoining New York Distilling Company.

Despite being a second-generation star, Jennings rolled in with a small entourage of just two. I fixed us a couple of healthy whiskies on the rocks and he quickly settled into a stool at the edge of the industrial bar top. Despite admitting, “I’m usually Jack Daniel’s all the time,” he was up for drinking something new. “I like trying different stuff, man.”

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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Special Episode: Matt Tamanini and Alan Henry Count Down their Top 10 Shows of 2018

On this special episode from BroadwayRadio, Matt Tamanini talks with his BroadwayWorld colleague Alan Henry about their favorite shows from their 2018 theatre-going. Unsurprisingly, Matt and Alan did not have a single show that appeared on both of their lists. The pair also looked forward and talked about three shows read more
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The Chinese digital economy can’t be slowed down. Here’s a look at how and why.

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Anyone who regularly reads business news will recognize the Chinese companies consistently making headlines: Alibaba, Baidu, Tencent, and Xiaomi. These companies have established a major role in the global economy. Today, they dominate everything from e-commerce to the Chinese entertainment industry.

One of the reasons these organizations have become digital titans of industry is China’s steadfast dedication to digital innovation. China is home to the biggest online shopping site in the world. It’s poised to be a major player in the electric vehicle industry. Alongside the U.S., China is also on track to lead the world in 5G connectivity. The country has frequently been ahead of the pack in developing game-changing innovations like cryptocurrency, artificial intelligence, robotics, and big data. Read more…

More about Uk, China, Digital Economy, Business, and Big Tech Companies


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What You May Not Know About a Down Payment for Buying a Home

A new study proves something many may already know: Saving for a down payment for buying a home is the biggest hurdle for would-be home owners. However, the study reveals some facts you may not have known about down payments.

First, down payments are particularly hard for millennnials, the largest single group of home buyers and the biggest group of first-time buyers, according to the Zillow Group Consumer Housing Trends Report 2018.

Millennial buyers also are the most likely to put less than 20% down. When they decide to buy a home — one of the biggest investments ever for many Americans — millennials are most likely to use multiple funding sources for the down payment. Nearly half used a gift or loan from family or friends for at least some of their down payment, making up one-fifth of the down payment on average. They also use investments and retirement funds toward down payments.

Zillow also reported coming up with a down payment can be a game-changer. For instance, it can help make a monthly mortgage payment that is affordable and does not bust your bill-paying budget.

The Zillow report surveyed people in Atlanta, Chicago, Phoenix, San Francisco, and Washington, D.C., including 3,000 home buyers. They were asked about their down payment decisions, including how much they put down and where the money came from.

Here are other revelations from the report:

-First-time buyers are more likely to cash out investments or use retirement funds toward a down payment.

-Putting 20% down is conventional wisdom, but fewer than half of buyers do so.

-Buyers in Atlanta put down less than 5% more often than they put down at least 20%, boosting the risk of becoming underwater on their mortgages.

Yet, buyers in Chicago, San Francisco and Washington, D.C. are at least as likely as the typical national buyer to put down at least 20%.

Research from Zillow disclosed it takes over seven years for a typical American home buyer to save a 20% down payment on the typical-valued home.

Of course, buyers can put much less down than that amount. Saving up for a down payment can be tough and requires good budgeting and long-term planning, especially when for many the cost of rent and everyday life outpaces what they are able to put in the bank.

Even if you don’t have plans to buy a home in the next year or two, it never hurts to start setting aside savings for a future home purchase,” Zillow senior economist Aaron Terrazas stated.

“There are many mortgage options that require less than 20% down, but buyers should be careful that they don’t set themselves up to be underwater. Interest rates are rising, of course, but for many, waiting a bit longer and saving for a larger down payment might still be the way to go as they weigh their current stability and housing needs against their long-term future.

If your goal is home ownership, check out some more great advice about purchasing a home:

-INSIDER TIPS FOR AFRICAN AMERICANS LOOKING TO PURCHASE A HOME

-HOME OWNERSHIP: IT’S NOT THE SIZE OF THE HOME, BUT THE SIZE OF THE DREAM

-GOOD SIGN FOR BUYERS: HOUSING INVENTORY GROWING AGAIN

 

 

The post What You May Not Know About a Down Payment for Buying a Home appeared first on Black Enterprise.

Money | Black Enterprise

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Government partially shuts down for third time in a year after Congress adjourns for the night

While negotiations continue in Congress to reach a deal to avert a partial government shutdown, there is virtually no chance a vote will happen Friday night — all but assuring there will be a government shutdown at midnight.


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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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Another suspected drone sighting briefly shuts down London Gatwick again, hours after it reopened

London Gatwick briefly suspended operations again after another drone was sighted near the airfield of the second-busiest airport in the U.K. The airport had been shut for two days during one of the busiest travel periods of the year.
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Stock indexes meander up and down after days of huge losses

Stock indexes falling again at midday Friday after days of big losses that have left major indexes down 11 percent in December
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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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Kardashian Sisters ‘Made the Difficult Decision’ to Shut Down Apps in 2019

New year, new beginnings … and endings! Kim Kardashian, Khloé Kardashian, Kourtney Kardashian and Kylie Jenner revealed on Wednesday, December 19, that they are shutting down their apps.

“We’ve had an incredible experience connecting with all of you through our apps these past few years,” Kim, 38, wrote in a statement on her site. “But have made the difficult decision to no longer continue updating in 2019.”

The post — titled “To My Subscribers” — concluded: “We truly hope you’ve enjoyed this journey as much as we have, and we look forward to what’s ahead.”

Kim Kardashian Khloe Kardashian Kourtney Kardashian Kylie Jenner Shutting Down Apps 2019
Khloe Kardashian, Kendall Jenner, Kourtney Kardashian, Kim Kardashian West and Kylie Jenner attend Kanye West Yeezy Season 3 at Madison Square Garden on February 11, 2016 in New York City. Kevin Mazur/Getty Images

The news comes more than three years after the sisters, as well as Kendall Jenner, launched their apps in September 2015, which was founded to give an intimate look into their lives. (The Victoria’s Secret model, 23, announced in December 2017 that she was ending her own site.)

“We wanted to change our digital platform and make it more than just a blog that we had before,” Kim said as they began their app journey. “I just felt like there was no other platform that could do it all unless we do it ourselves.”

The famous family will not be bored, however, sans this project. Kim still has her KKW Beauty ventures, as well as being a mom of three children with husband Kanye West.

Khloé, 34, for her part is founder of clothing company Good American, and has recently embarked on the journey of motherhood when she welcomed a baby girl, True, in April with boyfriend Tristan Thompson. A source told Us Weekly earlier this month that the pair “are actively trying” for baby No. 2.

Kourtney, meanwhile, will remain a part of Keeping Up With the Kardashians — alongside her sisters — while raising her three children, sons Mason and Reign and daughter, Penelope, whom she shares with ex Scott Disick.

For Kylie, 21, she continues to challenge the status quo being the founder and owner of her successful Kylie Cosmetics makeup line. The former Life of Kylie star is also mom of 10-month-old daughter, Stormi, whom she shares with boyfriend Travis Scott.

Us Weekly

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Legal weed-grower temporarily shut down over pesticides

A marijuana firm in Massachusetts was temporarily shutdown by state health officials for spraying plants with harmful pesticides, according to a report. In a buzz-killing move, the company Triple M — which cultivates medical weed near Plymouth — used unapproved chemicals that could sicken smokers, Department of Public Health officials told The Boston Globe. The…
News | New York Post

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Here’s how Trump hobbled Obamacare and drove enrollment down this year

While President Donald Trump didn't repeal and replace former President Barack Obama's signature health-care law, more commonly known as Obamacare, he was able to dismantle key parts of it that health policy researchers are blaming for a drop.
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Judge Strikes Down ACA Putting Law In Legal Peril — Again

The future of the Affordable Care Act is threatened — again — this time by a ruling Friday from a federal district court judge in Texas.

Judge Reed C. O’Connor struck down the law, siding with a group of 18 Republican state attorneys general and two GOP governors who brought the case. O’Connor said the tax bill passed by Congress last December effectively rendered the entire health law unconstitutional.

That tax measure eliminated the penalty for not having insurance. An earlier Supreme Court decision upheld the ACA based on the view that the penalty was a tax and thus the law was valid because it relied on appropriate power allowed Congress under the Constitution. O’Connor’s decision said that without that penalty, the law no longer met that Constitutional test.

“In some ways, the question before the Court involves the intent of both the 2010 and 2017 Congresses,” O’Connor wrote in his 55-page decision. “The former enacted the ACA. The latter sawed off the last leg it stood on.”

The decision came just hours before the end of open enrollment for ACA plans in most states that use the federal Healthcare.gov insurance exchange. It is not expected that the ruling will impact the coverage for those people — the final decision will likely not come until the case reaches the Supreme Court again.

Seema Verma, the administrator of the Centers for Medicare & Medicaid Services, which oversees those insurance exchanges, said in a tweet: “The recent federal court decision is still moving through the courts, and the exchanges are still open for business and we will continue with open enrollment. There is no impact to current coverage or coverage in a 2019 plan.”

The 16 Democratic state attorneys general who intervened in the case to defend the health law immediately vowed to appeal.

“The ACA has already survived more than 70 unsuccessful repeal attempts and withstood scrutiny in the Supreme Court,” said a statement from California Attorney General Xavier Becerra. “Today’s misguided ruling will not deter us: our coalition will continue to fight in court for the health and wellbeing of all Americans.”

It is all but certain the case will become the third time the Supreme Court decides a constitutional question related to the ACA. In addition to upholding the law in 2012, the court rejected another challenge to the law in 2015.

It is hard to overstate what would happen to the nation’s health care system if the decision is ultimately upheld. The Affordable Care Act touched almost every aspect of health care, from Medicare and Medicaid to generic biologic drugs, the Indian Health Service, and public health changes like calorie counts on menus.

The case, Texas v United States, was filed in February. The plaintiffs argued that because the Supreme Court upheld the ACA in 2012 as a constitutional use of its taxing power, the elimination of the tax makes the rest of the law unconstitutional.

In June, the Justice Department announced it would not fully defend the law in court. While the Trump administration said it did not agree with the plaintiffs that the tax law meant the entire ACA was unconstitutional, it said that the provisions of the law guaranteeing that people with preexisting health conditions could purchase coverage at the same price as everyone else were so inextricably linked to the tax penalty that they should be struck.

The administration urged the court to declare those provisions invalid beginning Jan. 1, 2019. That is the day the tax penalty for not having insurance disappears.

The protections for people with preexisting conditions was one of the top health issues in the midterm elections in November. While the issue mostly played to the advantage of Democrats, one of the Republican plaintiffs, Missouri Attorney General Josh Hawley, defeated Democratic incumbent Sen. Claire McCaskill. Another plaintiff, West Virginia Attorney General Patrick Morrisey, lost to Democratic incumbent Sen. Joe Manchin.

President Donald Trump was quick to take a victory lap, and pressed Senate Majority Leader Mitch McConnell (R-Ky.) and the presumed incoming House Speaker Nancy Pelosi (D-Calif.) to fix the problem. He tweeted Friday night that “As I predicted all along, Obamacare has been struck down as an UNCONSTITUTIONAL disaster! Now Congress must pass a STRONG law that provides GREAT healthcare and protects pre-existing conditions. Mitch and Nancy, get it done!”

But congressional leaders were quick to point out that the suit is far from over.

“The ruling seems to be based on faulty legal reasoning and hopefully it will be overturned,” said a statement from Senate Minority Leader Chuck Schumer (D-N.Y.).

Many legal experts agreed with that. “This is insanity in print, and it will not stand up on appeal,” tweeted University of Michigan Law School Professor Nicholas Bagley, an expert in health law.

Even some conservatives were left scratching their heads. “Congress acted last year to repeal the mandate, but leave everything else in place and the courts should have deferred to that,” tweeted former congressional GOP aide Chris Jacobs.

Kaiser Health News

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Stocks end week down despite Trump’s assurances about China

Wall Street is forecasting bleak times. US markets sold off sharply Friday after weak economic data from China stoked worries of a global slowdown in 2019. The Dow Jones industrial average was down 496.87 points, shedding 2 percent, to close at 24,100.51, after retail growth in China slowed to its lowest level in more 15…
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Federal judge in Texas strikes down Affordable Care Act

A federal judge in Texas said on Friday that the Affordable Care Act’s individual coverage mandate is unconstitutional and that the rest of the law must also fall.


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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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‘There was no Plan B’: Trump scrambles to find chief of staff after top candidate turns him down

The position has proved to be a particularly thankless task in this White House, and the two people to hold the job have been left with their reputations diminished.
Politics

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

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Google+ will shut down sooner than planned

Newsy

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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!

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Steal Alert: UNIQLO Wool/Cashmere Topcoats $50 off + Ultra Light Down $10 off

UNIQLO 90% wool / 10% Cashmere Topcoat – $ 99.90 ($ 149.90)

UNIQLO calls these their “Chesterfield” topcoat (despite not being a true chesterfield), and they’re one of the better values in classy looking outerwear on the men’s style market. Given one or two conditions…

You live in a warm climate, or, you run particularly hot.

UNIQLO 90% wool / 10% Cashmere Chesterfield Topcoat

The Camel color. Very rich. Not a washed out straw shade.

These things are NOT well insulated. And the fabric isn’t that thick. Yet, the fabric really is something. 90% wool (and a fine wool at that) and 10% cashmere. They’re super soft to the touch and hit just above the knee.

Meanwhile, if you’re looking for something warmer/puffier, UNIQLO is also running a $ 10 off promotion on ALL of their ultra light down.

That goes for their hooded seamless parkas, their hoodless jackets, vests, etc. Head here for a full in person review of that hooded seamless parka.

Ultra light savings run through the 13th, while the wool outerwear deal expires Sunday (and thus, necessitated a steal alert post on Friday, since it’d be gone before the Monday tripod.)

That’s all. Carry on. Time to switch to decaf.

UNIQLO Men's Ultra Light Seamless Down Parka

UNIQLO’s Ultra Light Down Seamless Parka. More than a few colors to pick from.


Dappered Style Mail

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Bad communication is why the stock market has been so down

It’s the holiday season. The economy is the best its been in over a decade. So what’s got the stock market so down? To make a holiday cocktail as strong as our current volatility, you’d need several key ingredients. The bartender would add two shots of Federal Reserve — way more than needed. A shot…
Business | New York Post

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Kevin Hart steps down from hosting Oscars

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

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

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Steal Alert: Amazon’s Buttoned Down Brand 100% Cashmere V-Necks for $62

Buttoned Down 100% Cashmere V Neck Sweater – $ 62.30 ($ 89)

Along with Goodthreads, Buttoned Down is one of Amazon’s main, in-house Menswear brands. And they’re coming for our money.

Buttoned Down 100% Cashmere V Neck Sweater

These things have a LOT going for them, despite the mixed reviews on Amazon. It’s lightweight cashmere, but the fabric itself is actually really nice. Much softer than you’d think for the price. Some reviewers have reported construction problems. Again, it’s lightweight. And while I haven’t done a long term test on the V-necks, I have a Cashmere crewneck from Buttoned Down (sadly not on sale), and I love it. It’s held up great. And you also have a lifetime guarantee backing you up. Plus, there’s always the convenient and free returns that Amazon offers.

Size shown below is a medium on 5’10” / 195. So it’s a little boxy. Might want to size down.

That’s all. Carry on.

Dappered.com


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Big Yellow Group Six-month Pre-tax Profit Down 22%; Hikes Interim Dividend

Big Yellow Group plc (BYG.L), a self storage company, reported Tuesday that its profit before tax was 61.4 million pounds for the six months ended 30 September 2018, down 22 percent from 78.7 million pounds in the prior year. Earnings per share were 38.8 pence compared to 50.0 pence last year.
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Hit by Fraud, Venmo Suffered a Big Loss and Shut Down Features, Report Says

Fraud hit Venmo hard in early 2018, leading the PayPal division for peer-to-peer payments to take an unexpectedly large loss due to fraudulent transactions and to shut down some of its features, according to a Wall Street Journal report.

Losses weighed in 40% higher than budgeted, at $ 40 million for the first quarter of 2018. That was reportedly 0.40% of volume, instead of an anticipated 0.24%.

In response, the company limited and shut down certain features, while blacklisting tens of thousands of accounts. This included pausing an instant-deposit feature, which allowed transfer of funds in a Venmo account to a bank account in as little as 30 minutes for $ 0.25. The feature returned later in the year with a 1% transaction fee.

Venmo also stopped allowing transactions from its Web site, requiring all payments to happen via its app. While 98% of users relied on the app already and only 2% used the Web site for transfers, 15% of net losses occurred via the Web site.

The Journal wasn’t able to determine what led to the elevated fraud. Venmo didn’t reply to a request for comment from Fortune.

The company has had few revenue sources in the past and has taken losses on operations since its start. However, it’s slowly shifting into more fee-based services, including letting customers pay for Uber and other services directly from their account balance.

Venmo is one of several companies contending for a vast market of money transfers between people for casual expenses like splitting the cost of a meal to much larger expenses like rent. Competitors include Zelle, run by a consortium of 30 major U.S. banks, and Square Cash, a system operated by the credit-card processing company Square.

Zelle handled $ 28 billion in transfers in the second quarter of 2018. Venmo managed about half that, or $ 14 billion, in the same period. Zelle has an estimated 23 million U.S. users, and Venmo about 27 million.

Fortune

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Roseanne Barr Shuts Down Heart Attack Rumors: ‘I’m Fine’

Setting the record straight. Roseanne Barr took to Twitter to deny rumors she suffered a heart attack after a man claiming to be her assistant called a radio host to say that she was ill.

“I’m fine,” the former Roseanne star, 66, captioned a photo of herself wearing a faux corset T-shirt and leggings on Saturday, November 24.

She elaborated with a second tweet, writing, “I was the victim of a prank. I’ve had no medical issues. I’m spending time at home with my family and relaxing.”

Earlier on Saturday, a man named Frank who claimed to be Roseanne’s assistant called Sputnik News radio host Lee Stranahan while he was recording a live Periscope video to say that she was suffering a medical emergency.

“Yes, this is Roseanne’s assistant,” the man can be heard saying in a clip. “This is Roseanne’s assistant, Frank … She just had a heart attack. I’m trying to figure out exactly what to do about this.”

He continued, “You left her a voicemail, email? And you were talking about underwear and stuff?”

Stranahan, 53, tweeted about the incident on Saturday. “I was doing a call-in segment about Zionism on Periscope when the phone rang, saying it was my friend @therealroseanne,” he wrote. “I was surprised but it’s a topic she’s interested in so … It was her assistant, saying she’d had a heart attack. This went out live. I don’t know her status.”

He also tweeted, “Please send prayers to @therealroseanne.”

The talk show host clarified on Twitter that the call came from Barr’s real phone number and that he had indeed previously left her a voicemail about underwear as a joke.

Later that day, he gave fans an update, tweeting, “I’ve spoken to her on the phone. She is fine. This is so weird.”

Barr has largely remained out of the spotlight since the reboot of her ABC series, Roseanne, was canceled in May over a tweet the comedian posted in which she made a racist slur against former White House aide Valerie Jarrett.

Its spinoff, The Conners, debuted in September without Barr.

Us Weekly

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Trump thanks Saudis for lower oil price, doubling down on defense of kingdom

President Donald Trump on Wednesday thanked the kingdom for helping to keep a lid on oil prices, amid bipartisan criticism for his statement on the murder of journalist Jamal Khashoggi by Saudi agents.
Politics

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Women’s Championship Tour 2018 Finale Comes Down to Upcoming Beachwaver Maui Pro

WSL PRESS RELEASE

 

HONOLUA BAY, Maui, Hawaii/USA (Monday, November 19, 2018) – The Beachwaver Maui Pro, the final stop on the 2018 World Surf League (WSL) Women’s Championship Tour (CT), will host the highly-anticipated World Title showdown and the last opportunity for CT requalification later this week.

Held at Honolua Bay in Maui, Hawaii, the waiting period opens on Sunday, November 25 and runs through Wednesday, December 5, 2018. During this time, event organizers will closely monitor the waves and only run during the best conditions.

In the 2018 World Title Race, only Stephanie Gilmore (AUS) and Lakey Peterson (USA) are mathematically in contention to win the prestigious World Championship and await the Beachwaver Maui Pro.

The World Title scenarios going into the Beachwaver Maui Pro are as follows:
– Gilmore will win the World Title with a 3rd or better at the Beachwaver Maui Pro.
– If Gilmore finishes 5th or worse, Peterson must win the event to force a surf-off* for the World Title
– *In the event of a tie for any World Title at the end of the Surfing Season, the tied Surfer will have a “surf-off” during the final Event, which will have the format determined by the Commissioner’s Office. 

For Gilmore, the six-time WSL Champion, winning means making history by clinching a record-equalling seventh World Title. The accomplishment would put Gilmore into an elite class within surfing’s World Champions as one of only three individuals to earn seven World Titles, Layne Beachley (7) and Kelly Slater (11).

For Peterson, defeating Gilmore would mark the American’s first World Title. Peterson is the highest-ranked American surfer on both the women’s and men’s World Rankings, and the win in Maui would push the event into a Surf-Off for the win. With two event wins this year (Gold Coast, Bali) and two runner-up finishes (J-Bay, Rio), Peterson has the potential to upset Gilmore’s hunt for gold.

For more information about the 2018 World Title Race, please visit WSLTitleRace.com.

To requalify for the women’s Championship Tour, current competitors on the CT have to be ranked 10th or better on the Jeep Leaderboard or they must finish 6th or better on the WSL Qualifying Series (QS), excluding those who have already qualified through the CT Rankings. The WSL Commissioner’s Office also selects one wildcard for the season.

With the Beachwaver Maui Pro as the final women’s event of the season, this will be the last opportunity for lower-ranked surfers to secure their positions for next year’s elite Tour. California’s Sage Erickson (USA) needs a critical result to requalify.

Wildcards and injury replacements for the 2018 Beachwaver Maui Pro include Bethany Hamilton (HAW), Alana Blanchard (HAW), Summer Macedo (HAW), and Zoe McDougall (HAW). These athletes will replace Tyler Wright (AUS), Silvana Lima (BRA) and Keely Andrew (AUS), who have withdrawn due to injuries sustained earlier this season.

Alana Blancard (HAW) and Bethany Hamilton (HAW) will compete in the upcoming Beachwaver Maui Pro. Credit: © Rip Curl
Alana Blancard (HAW) and Bethany Hamilton (HAW) will compete in the upcoming Beachwaver Maui Pro.
Credit: © Rip Curl

 

Hamilton poses a considerable threat to the top seeds Carissa Moore (HAW) and Coco Ho (HAW) in Round 1. As evidenced by her previous CT success, Hamilton has proven that anything can happen and will be one to watch when competition is called on. This will be Hamilton’s tenth CT appearance.

Hamilton has become a source of inspiration to millions through her story of determination, faith, and hope. At the age of 13, she lost her left arm to a shark, seemingly ending her surfing career. Against the odds, the “Soul Surfer” returned to the lineup and went on to realize her dream of surfing professionally.

“I am so excited to be competing in home state, Hawai’i!” said Hamilton. “And not only that but at Honolua, one of the world’s best waves! Between the beautiful cliff and those epic righthand walls and barrels, it’s such a dreamy place. It’s going to be amazing to surf against the girls. I can’t wait to see what sort of swell comes for us to compete in.”

Blanchard is a former four-year competitor on the elite Championship Tour. The 28-year-old will return to the competitive CT stage for the first time since 2014 and for the first time since giving birth to her son, Banks. Alongside good friend Hamilton, Blanchard has the opportunity to play spoiler against Gilmore and Erickson, who are both in need of a good start at this event.

“I was definitely very caught off-guard when Jessi texted me and asked if I wanted to be in the Maui Pro,” said Blanchard. “It’s just such a fun wave, and there are a few big swells on the horizon so it should be really good. I wouldn’t say I’m nervous, but I’m just so excited that I need to settle down! It’ll be so good to see everyone, and to have the chance to surf such an amazing wave with just one other girl is incredible.”

Macedo will represent Maui as the Beachwaver wildcard. She will come up against Tatiana Weston-Webb (BRA) and Nikki Van Dijk (AUS) in Round 1 Heat 5.

The Beachwaver Maui Pro will be broadcast LIVE on WorldSurfLeague.com and the WSL’s Facebook page. Also, check local listings for coverage from the WSL’s broadcast partners.

Beachwaver Maui Pro Round 1 Matchups:
Heat 1: Johanne Defay (FRA), Courtney Conlogue (USA), Paige Hareb (NZL)
Heat 2: Carissa Moore (HAW), Coco Ho (HAW), Bethany Hamilton (HAW)
Heat 3: Stephanie Gilmore (AUS), Sage Erickson (USA), Alana Blanchard (HAW)
Heat 4: Lakey Peterson (USA), Malia Manuel (HAW), Zoe McDougall (HAW)
Heat 5: Tatiana Weston-Webb (BRA), Nikki Van Dijk (AUS), Summer Macedo (HAW)
Heat 6: Caroline Marks (USA), Sally Fitzgibbons (AUS), Bronte Macaulay (AUS)

For more information, please visit WorldSurfLeague.com.

The post Women’s Championship Tour 2018 Finale Comes Down to Upcoming Beachwaver Maui Pro appeared first on .

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Amber Portwood Breaks Down in Tears on Her Daughter’s Birthday: “I Am Getting Bullied”

Amber PortwoodAmber Portwood made a tearful statement to her Instagram followers on Monday about her daughter and why she’s sick of being called a “bad mom.”
Portwood, who rose to fame on…

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BMW Stock Down On Weak Q3 Profit; Confirms FY18 Outlook

Shares of BMW Group declined around 2 percent in German trading after the auto giant reported Wednesday weak profit in its third quarter, despite growth in revenues. Further, the company confirmed its fiscal 2018 forecast for lower profit and automotive revenues. In terms of its core business, BMW said it had always expected 2018 to be a challenging year.
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Prince Harry Reveals What Happened When He Asked Prince Charles to Walk Meghan Markle Down the Aisle

Meghan Markle, Prince Charles, Royal WeddingMeghan Markle and Prince Harry’s royal wedding was a day to remember for all members of the family.
In BBC One’s documentary called Prince, Son and Heir: Charles at 70, Prince…

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Ready to Buy a Home? 6 Simple Steps to Save for the Down Payment

So you’re ready to stop renting, and we don’t blame you.

The price of rent has been steadily increasing since 2014, according to a recent Penny Hoarder analysis of Zillow data. As of October 2018, the median Zillow listing nationally for a two-bedroom rental is $ 1,646 a month.

Your other option is to buy a home, and that isn’t cheap, either. It’s a big commitment — but at least you’re gaining an asset and not funneling your whole paycheck over to a landlord.

If you’re thinking about buying a home, you’ll want to start saving for that down payment sooner than later.

Yes, it’s a big savings goal, but this guide will help you get on the right track.

Real Fast: What’s a Down Payment?

A down payment is the amount of money you pay upfront for your home — the money you’re putting down. Say you want to put 10% down on a $ 200,000 home; your down payment will be about $ 20,000.

This down payment goes directly toward you owning your home outright. What’s remaining will be covered by a mortgage loan. Like other forms of debt, you’re responsible for making monthly payments on that loan, which often include interest.

The more you’re able to put toward a down payment on a home, the lower your monthly mortgage rates — and the less you’ll pay in interest over time.

Pro tip: While you’re saving for a down payment, work to improve or maintain your credit score. The higher your credit score, the better chance you have to secure a mortgage with a low interest rate. If you’re not sure where to start, Credit Sesame is a free platform that allows you to see your credit score, credit report card and personalized advice.

How to Save for a Down Payment: Your Step-by-Step Guide

A down payment is different from any expense you’ve saved for before, including a car or a vacation.

“A down payment represents a ‘purchase’ that has longer-term consequences,” says Marc W. Lieberman, CFA charterholder and CEO of Shorepine Wealth Management.

“When you save for a vacation or a new TV, you are making a one-time purchase that likely does not have additional spending needs. A home is a purchase that requires constant maintenance and the financial wherewithal to maintain ownership.”

So how do you even start saving for such a big financial goal? Follow these six simple steps to start saving for what’ll likely be the largest purchase of your life.

No big deal or anything.

1. Determine How Much You Need to Save for a Down Payment

Woman doing finances
lamstocker/Getty Images

Before starting your savings journey, you’ll need to map out your goal. Here are some numbers to consider:

  • Generally speaking, what’s your budget for a new home? In your desired city and neighborhood, take a look at properties you’d be interested in and that meet your needs. To determine the maximum mortgage payment you can afford each month, personal finance guru Dave Ramsey suggests multiplying your monthly take-home pay by 25% (0.25).
  • How much money do you want to put down? Now that you have an idea of how much you want (or need) to spend on a home, consider how much you want to put down. Putting down 3% is considered low — but doable.

On the other hand, if you’re able to put down at least 20%, you’ll avoid making monthly payments for private mortgage insurance (PMI), which is generally 0.3% to 1.2% of your loan amount, according to Investopedia.

Don’t feel like you have to stretch yourself to pay 20% down, though. Say you take out a 10% down payment. Once you’ve made enough mortgage payments to hit 20% equity, you can cancel your PMI.

  • When do you want to make the big purchase? Set your timeline.

Remember: Buying a home doesn’t simply require a down payment. You’ll also need to consider closing costs, real estate agent commission, property taxes and homeowners insurance — just to name a few. You can find more details about closing costs in our first-time homebuyer’s guide.

Lieberman also suggests tacking on a 10% to 20% “slush fund” to your savings goal for any additional expenses. This can help cover any unforeseen maintenance required when first moving in. Even if you don’t need it (fingers crossed you won’t), it’s nice to have that just-in-case cushion.

Now, do some math. Calculate how much you’ll need to save each month — or week, if you prefer working on a smaller scale.

Using a mortgage calculator like this one from Zillow can be super helpful when playing around with these numbers.

2. Open a Separate Savings Account

A family at the bank
Tina Russell/The Penny Hoarder

Once you know how much you need to put away, start considering where you want to keep this savings. Keeping such a large chunk of money in your primary checking account is risky — just because it feels like that money’s at your fingertips, ready to spend.

Instead, open a separate, hands-off account. Lieberman suggests a high-yield-interest savings account.

Try an iOS app called Varo Money. Pair your Bank Account with a Varo Savings Account where you’ll earn 1.75% annual percentage yield. For context, one of my banks offers a savings account with an APY closer to 0.03%.

Additionally, you’ll pay no monthly service fees, no minimum balance fees, no foreign transaction fees and no cash replacement fees.

Lieberman also suggests looking into a laddered certificate of deposit (CD) portfolio.

Whatever you choose, remember this: You want your money to earn some interest, but you don’t want the risk (like you’d face with investing). You’ll also want to keep the money in an easily accessible account.

“The last thing you need is to miss out on a home because the cash wasn’t available for the down payment,” Lieberman says.

3. Adjust Your Budget

A father and son eating fast food
Kosamtu/Getty Images

Now that you know how much you need to save and where you’re going to stash that savings, it’s time to adjust your budget.

Take that monthly savings goal and build it into your budget as an expense. To make some room, you’ll likely have to cut down in other areas.

To get an idea of how you can tighten your budget, try using the free app Empower.

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

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

It’ll take some finagling at first, but be patient — and realistic. Remember you’re saving for what’ll likely be the biggest purchase of your life, so it isn’t going to be totally effortless. 

4. Automate Your Savings

Woman looking at credit cards
Carmen Mandato/The Penny Hoarder

Now that you know you can afford to save these monthly sums, it’s time to automate your savings. This helps hold you accountable and makes the process easier and more hands-off.

“Automated savings is a wonderful way to trick your mind into living off of less,” Lieberman says. “It is amazing how much less one can live off of without even noticing the difference.”

If you’re using a savings account, set your paycheck to automatically deposit a certain amount (see Step 1) into that account.

The easiest way to do this is to adjust your payroll settings or see whether your bank will automatically do it for you — most do.

With Chime, for example, you can opt in to save a portion of each paycheck when you set up direct deposit. You can also turn on its round-up feature, which rounds up all your Chime debit card transactions to the nearest dollar. It’ll dump the digital spare change into your savings — a nice bonus.

You can also tap into an app. Digit is a great way to save toward a specific goal. Set your timeline and savings goal, and Digit’s algorithms will determine how much money you can afford to save, which will be stored in an FDIC-insured savings account.

Digit is free to use for the first 30 days, then it’s $ 2.99 per month afterward. If you’re saving for a big purchase, like your first home, that monthly fee could be worth it.

In all, automation is a great, hands-off way to keep building your savings — without obsessing over every penny.

5. Get Creative, and Cut Your Monthly Bills

Light bulbs hanging from ceiling
ArisSu/Getty Images

Outside of rent, your largest expenses are probably those monthly bills: electric, water, cable/internet, car insurance, student loan payments — you name it.

There are a number of ways to save on your monthly bills, but here’s a simple one to get you started: 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 says it helps customers save more than $ 700 a year by lowering their bills, canceling necessary subscriptions and getting refunds.

6. Increase Your Income

Dog walker
hedgehog94/Getty Images

If you’re still struggling to meet your monthly savings goal, you might need to boost your income.

Luckily, there are a ton of platforms that’ll help you start up a side gig, including one of our favorites: Rover. (Because dogs, duh.)

On Rover you can choose to offer a variety of services, including dog walking, overnight boarding at your home or theirs, and daycare. Rover says sitters can earn as much as $ 1,000 a month — just for snugglin’ pups!

Other flexible side gig options include driving with Uber or listing your space on Airbnb.

You should also plan to bank any windfalls — big or small. If you get a raise at work, automatically dispense the difference into your savings. If you earn a holiday bonus, bank that, too.

You can work to sell off some items you don’t need, too. After all, you’ll be moving soon.

If you have an old smartphone, tablet or laptop collecting dust, snag a a buy-back price estimate from an online trade-in platform like Gazelle. For anything else, consider Letgo. You can list just about anything on there — from cars to clothes.

Moral of the story? Slide any extra money you make into that separate hands-of savings account to go toward your savings goal.

Another Option: Seek Down Payment Assistance

If you’ve followed these steps and are still struggling to save for a down payment — or don’t have enough time — look into down payment assistance programs in your city or state.

John R. Thomas, a certified mortgage planner and the Delaware branch manager of Primary Residential Mortgage, outlined a few nationwide assistance programs:

  • Federal Housing Administration (FHA) loans are government-backed mortgages for those who can’t afford to put a lot of money down. They’re a popular option for first-time homebuyers. In 2018, borrowers with a credit score of at least 580 could put down 3.5%, according to the FHA website.
  • If you’re a veteran, current servicemember or surviving spouse, you might qualify for a VA home loan, which offers competitive interest rates without a down payment or private mortgage insurance.
  • The U.S. Department of Agriculture (USDA) also offers a no-down payment option if you purchase a qualified home and borrow from a qualified lender. Although it caters to those purchasing a home in a rural area, the definition of rural is pretty broad. Be sure to read into the requirements.

Thomas assures prospective homebuyers that these programs are simple to look into in any state.

In the end, know that buying a home isn’t totally out of reach. Just be patient with yourself, and you’ll be able to put the money away.

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder. She’d love to buy her first home sweet home… one of these days.

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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Goldman Sachs: The economy needs to slow down to avoid a ‘dangerous overheating’

A thriving labor market is part of a continuing economic boom that will have to slow down or it eventually will cause trouble, according to a Goldman Sachs analysis.
Economy

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In Review: The UNIQLO Ultra-Light Seamless Down Parka

UNIQLO Men’s Ultra Light Seamless Down Parka – $ 69.90 ($ 79.90)

About the Author: Ariel A. is a mechanical engineer and father of 2. He designs components for windows and door systems for high rise buildings and gets a kick out of seeing his projects stories high in major cities. He compulsively researches everything he buys and gets a lot of his daily enjoyment from using and wearing items that are thoughtfully designed and well made.

As residents of the great white north, us Canucks understand that cold isn’t just a phenomena, it’s a spectrum. It has sub-categories and classes, from the familiar “first day you know summer’s gone” to the extreme “I don’t think we bought a long enough thermometer” rating. There’s “going back home to get a third sweater” weather, and there’s “I’d really like to come over, but I’m rather attached to my extremities and prefer to stay that way” weather. There are a few ways to deal with this, but most agree that a graduated and layered approach works best. Oh, don’t get me wrong, there’s definitely a few people I know who use the same coat in all conditions as soon as the mercury drops (heck, I was once one of those), but as a general rule that tends to make things heavy and uncomfortable.

UNIQLO Men's Ultra Light Seamless Down Parka

UNIQLO’s Ultra Light Down Seamless Parka. More than a few colors to pick from.

Saying Goodbye

Until recently, my go-to fall/spring weather to zero-ish degree layer was a wonderful heavy Israeli army fleece from a surplus store. It performed impeccably for about 9 years until recently when I broke one of the zippers. Over my years using it, I noted a couple of issues with my treasured jacket, namely the lack of a hood (key for snowy weather), the fact that it was heavy, and that it was too bulky to fit over or under most other layers.

Fast forward about 4 months after the tragic zipper event to a Dappered-prompted trip to Uniqlo to peruse the Airism sale of the underwear that had been so well reviewed. Arms full, I headed over to the register, but was distracted by a display labeled ‘ultra-light down’ jackets. I’ve heard about the marvelous insulating power of down, but have never really experienced it myself because a) down outerwear tends to be a bit on the pricier side and b) I didn’t need yet another coat/sweater/jacket. This time however, I was down one treasured piece of outerwear, and the display showed a price of $ 90 (Canadian dollars, remember). I also noticed a number of variants, including a ‘parka’, which was basically the same jacket with a hood. Since it was still summer, I left it on the shelf. When it went on sale for $ 80 a few weeks ago, I caved.

In Review: The UNIQLO Ultra-Light Seamless Down Parka | Dappered.com

Size medium on 5’6″ 145 lbs.

The Jacket

This thing is light. I’m not sure of the actual weight, but it feels like wearing clouds held together with spider silk. There are lighter options out there, but I really can’t imagine it making a big difference to me. I don’t know how durable the nylon shell is, but it feels thin, and pretty fragile. This may just be a factor of it being ‘ultra-light’, but I worry about ripping the coat if I snag it on something.

The hood is a definite plus for me, as are the generously sized interior pockets, which I’ve used to carry around a book or iPad mini. The cut is slimmer than I expected, but generally fits me well, and can still fit a chunky sweater underneath for colder weather. Unlike some similar jackets , this one doesn’t look really puffy, which to me is nice from an aesthetic perspective. It’s also compact enough to fit under my leather jacket in freezing conditions. I could definitely see buying one of the vests to go under my topcoat (though this might be a somewhat strange fashion statement).

In Review: The UNIQLO Ultra-Light Seamless Down Parka | Dappered.com

Performance

Over the last month, I’ve been able to test the coat during the first real fall weather. It performs extremely well in chill weather, to the point of actually being too warm at around 12-15 degrees Celsius (50s in Fahrenheit). If the temperature warms at all, I have to take it off. I’m also happy to say it performed well during a light rainfall, easily keeping the water out. In all probability it won’t be the solution to heavy rain or snow, but I’m confident it can protect me in most weather.

One of the areas where this coat blows my old fleece out of the water is the fact that Uniqlo made it packable. Included with all of the ultra-light down products is a little drawstring bag that the item can squish into for travelling. This is really convenient, and will likely make a great airplane pillow when I travel with it.

In Review: The UNIQLO Ultra-Light Seamless Down Parka | Dappered.com

The jacket can be packed into the included sac for easy transport.

Conclusion

So far I’m really enjoying my ultra-light parka, and will definitely be keeping my eye on the sales of the other ULD products in the coming months. I have yet to test this jacket in the harsh Canada winter, but based on performance so far it’ll definitely see some use.

The UNIQLO Ultra Light Down Seamless Parka is on sale for ten bucks off through Wednesday 11/7.


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Both the media and Trump have a responsibility to tone it down

With Tuesday’s election touted as the most important in modern memory, morning-after scenarios run the gamut of possibilities. President Trump will be vindicated by a GOP sweep, weakened by a split decision or endangered if Democrats win both houses of Congress. Yet none of those outcomes will necessarily improve the hostile political climate, and it’s…
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11.2.18 Clark Stinks; Gas prices going down for the Holidays

Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a “Clark Stinks” to share you can leave it here; Gas prices are going down just in time for the Holidays. And the US is now #1 in getting oil out of the ground.

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Apple Profit, Revenues Top Wall Street View, Outlook Disappoints; Shares Down 4%

Apple Inc. (AAPL) Thursday reported an earnings and revenues for the fourth quarter that trumped Wall Street estimates, helped by strong demand for its pricier iPhone X and XS. However, shares slipped over 4 percent in extended session after the iPhone maker issued a weak revenue outlook for the holiday season quarter.
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Watch Rami Malek Turn Down a Fan’s Request in This Hilariously Awkward Viral Video

Rami MalekYou win some, you lose some.
Such was the case for Rami Malek and a now-viral fan. As the story goes, 19-year-old film major Xian Black approached the Bohemian Rhapsody actor on the…

E! Online (US) – Top Stories

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Demi Moore Opens Up About Her Recovery: ‘I Was Spiraling Down a Path of Real Self-Destruction’

Demi Moore was named woman of the year at the Peggy Albrecht Friendly House’s 29th Annual Awards Luncheon on Saturday — and she took the opportunity to get candid about her own recovery.

Friendly House offers a “safe, structured and supportive home-like environment” for women recovering from substance use, according to its website. During her acceptance speech at The Beverly Hilton in Beverly Hills, California, the actress, 55, explained why the non-profit’s mission strikes a chord with her.

“I feel like there are defining moments in our lives that shape who we are and the direction we go, and early in my career, I was spiraling down a path of real self-destruction, and no matter what successes I had, I just never felt good enough,” explained Moore, who noted that she was “grateful” for her supportive daughters with ex Bruce Willis, Rumer, 30, Scout, 27, and Tallulah, 24.

RELATED: Demi Moore Makes Surprise Appearance at Princess Eugenie’s Royal Wedding

“I had absolutely no value for myself,” Moore continued. “And this self-destructive path, it very quickly … brought me to a real crisis point. And it wasn’t clear at the time the reason — maybe it was divine intervention — but two people who I barely knew stepped up and took a stand for me, and they presented me with an opportunity.”

“In fact, it was more like an ultimatum … unless I was dead, that I better show up,” she said. “They gave me a chance to redirect the course of my life before I destroyed everything. Clearly, they saw more of me than I saw of myself. And I’m so grateful because without that opportunity, without their belief in me, I wouldn’t be standing here today.”

Moore went to rehab for drug and alcohol addiction in the mid-1980s. In January 2012, after months of partying and drastic weight loss, Moore collapsed into convulsions at her L.A. home and was hospitalized before going to rehab for addiction and an eating disorder, sources told PEOPLE at the time.

RELATED VIDEO: Surprise! Demi Moore Hilariously Roasts Ex-Husband Bruce Willis About Diapers, Die Hard & More

“I know in a moment of great struggle for me, I reached out to a wise teacher and expressed my fear that I wasn’t good enough,” Moore concluded her speech. “And she said, ‘You will never be good enough but you can know the value of your worth. Put down the measuring stick.’ So today, I put down the measuring stick and I thank you for this beautiful acknowledgment and the opportunity to know the value of my worth.”

“I think the root of what really fulfills us in life is being of service,” Moore shared with reporters at the event.

RELATED: Ashton Kutcher and Mila Kunis Sign Over L.A. Home to His Ex Demi Moore’s Daughter, Rumer Willis

Soleil Moon Frye gushed about the “special, brilliant, beautiful, incredible, enlightening” Moore at the luncheon.

“She listens, and she shared so much wisdom, and she’s been in every one of my birthing rooms and helped deliver every one of my babies,” the former Punky Brewster actress told reporters. “She has always shown up for me, and I love her with all my heart.”


PEOPLE.com

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Amazon Q3 Sales, Outlook Miss Street Estimates; Shares Down 6%

Amazon.com Inc. (AMZN) Thursday reported a surge in profit for the third quarter, driven largely by a 29 percent jump in revenues. Earnings for the quarter trounced Wall Street estimates. However, the tech giant’s stock slipped more than 6 percent in extended session after revenues for the quarter fell short of expectations and on weak outlook for the current holiday quarter.
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Google Parent Alphabet Q3 Profit Rises, But Sales Miss View; Stock Down

Alphabet Inc. (GOOG, GOOGL), the parent company of Google, Thursday reported a surge in profit for the third quarter, driven largely revenue growth in search and advertising. Earnings for the quarter trumped Wall Street estimates easily, however, revenues fell short of expectations, sending the search giant’s stock down by about 5 percent in extended session.
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Italian anti-trust watchdog fines Apple and Samsung for allegedly slowing down their phones on purpose

Apple was fined an additional $ 5.7 million for allegedly failing to give clear information to customers about how to maintain and replace their batteries.
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With homebuilding stocks down 40%, investors hope the Fed gets the message and slows rate hikes

If there's a case to be made for the Fed to hold fire on interest rate hikes, it's happening now in the housing market and the stocks that track the industry.
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Les Moonves’ replacement Richard Parsons steps down as CBS interim chairman after a month, citing health reasons

Richard Parsons stepped down late Sunday as interim chairman of CBS barely a month after taking the job following Les Moonves’ departure.

“The reason for my departure relates to the state of my health,” Parsons said in a statement.

“As some of you know, when I agreed to join the board and serve…

/entertainment – New York Daily News

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Keith David Breaks Down The Final Scene Of ‘The Thing’ And Teases A Sequel That Never Was | PeopleTV

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Flying in a chopper over the water? See what it takes to escape if it goes down

In preparation for a helicopter ride out to Shell’s massive oil rig in the Gulf of Mexico, CNBC first had to pass an extensive underwater drowning training course. Watch as Worldwide Exchange anchor Brian Sullivan escapes a helicopter crash simulation underwater – fully strapped in and upside down
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Credit Card Debt? These 4 Sites Could Help You Pay It Down Faster

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

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

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

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

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

4 Marketplaces for a Credit Card Debt Consolidation Loan

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

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

Credible

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

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

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

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

Even Financial

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

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

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

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

Lendvious

Lendvious is the newest of these four online loan websites.

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

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

Interest rates range from 4.99% to 35.99%.

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

Upstart

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

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

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

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

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

Comparing Your Options One More Time

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

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

Here’s the chart we promised you:

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

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

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

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

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

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


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Jeannie Mai Breaks Down About Recent Divorce On ‘The Real’ [Video]

When you get married you’re expecting your “happily ever after,” but for so many of us, that’s not the case. According to the American Psychological Association, about 40 to 50 percent of marriages in the United States end in divorce.

Jeannie Mai, host of The Real, opened up on the show about her divorce from Husband Freddy Harteis.  “Knowing what I know now about who I married, I wouldn’t have married him,” Mai shared.

“It’s just crazy. You hear all the time that money can change people. Well, divorce can really change people. It’s just so weird because the one thing that he would always say back then is like, ‘You really, truly don’t know a person until they don’t get what they want.’ But I never thought he would be the one to prove that to me,” Mai, 39, explained as she began to cry.

Mai and Harteis, who hosts The Hollywood Hunter, said I do in 2007 and split last fall after 10 years of marriage, PEOPLE reported.

Mai’s experience with divorce is not uncommon. While a happy marriage can be healthy for both people, both mentally and physically, an unhealthy marriage does just the opposite.

The American Psychological Association suggests, speaking to a psychologist to help you deal with your emotions and adjust to the changes can help ease the stress of divorce. Psychologists can also help you identify what went wrong in your marriage so you can avoid repeating any negative patterns in your next relationship.

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Feds crack down on e-cigarettes amid ‘epidemic’ of teen use

The feds are stepping up an industrywide crackdown on e-cigarettes, concerned over what they have called an “epidemic” of young nicotine addicts. The Food and Drug Administration has sent letters to 21 manufacturers, demanding proof that they legally introduced their vaping devices. The letters, mailed on Friday, target e-cigarettes introduced after Aug. 8, 2016, noting…
Business | New York Post

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10.11.18 Obamacare premiums going down; Google security breach; Stock market troubles

Obamacare premiums are going down to the surprise of many. Also, a couple of new laws could make it easier for you to save on prescription drugs; Google’s security breach was not handled well. Clark tells you to start using Duck Duck Go instead of Google’s search tool; The stock market has had a tough couple of days. Clark gives his thoughts.

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Facebook Takes Down Hundreds of U.S. Pages It Says Spread Misinformation

Facebook has taken down hundreds of accounts that were spreading false or misleading political content ahead of the U.S. midterm elections, one of the social network’s most aggressive efforts to stop misinformation spread primarily by Americans.
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Bride Who Wed in Hospital So Ailing Father Could Walk Her Down Aisle Launches Tribute Foundation

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


PEOPLE.com

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Cardi B and Selena Gomez’s “Taki Taki” music video is here, and you’re gonna need to sit down for this one

Cardi B and Selena Gomez’s “Taki Taki” music video is here, and you’re gonna need to sit down for this one


Cardi B and Selena Gomez’s “Taki Taki” music video is here, and you’re gonna need to sit down for this one

We absolutely live for music collaborations. So when Cardi B took to Instagram in August to tease an upcoming collab with Selena Gomez, we almost lost our minds with excitement.

On August 24th, Cardi posted a behind-the-scenes pic from the set of a new music video. The pic showed four director’s chairs, and the names on the backs of the chairs included Cardi, DJ Snake, rapper Ozuna, and, yep, one for queen Selena Gomez. (Oh, and there was also a tiny chair for Kulture. LOL.)

Selena also took to Instagram to share pics from set.

View this post on Instagram

today was so fun

A post shared by Selena Gomez (@selenagomez) on

She then shared a series of videos on her Instagram Story that showed everyone looking fierce in fiery red.

And now, we officially have the “Taki Taki” music video, and it’s (literal) FIRE.

The sets, the effects, the ensembles. This video is seriously even more red hot than we hoped, and we’re 100% down for this collab.

Thoughts?

The post Cardi B and Selena Gomez’s “Taki Taki” music video is here, and you’re gonna need to sit down for this one appeared first on HelloGiggles.

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Breaking Down Tracee Ellis Ross’ 10 American Music Award Looks: Sequins, Leopard Print and a Political Message

Tracee Ellis Ross, 2018 American Music Awards, OutiftsWhen it comes to hosting the 2018 American Music Awards, Tracee Ellis Ross goes all out in the style department.
With the help of pro stylist Karla Welch, the Black-ish star strutted…

E! Online (US) – Fashion Police

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

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

New Era noticed a gap in the market for premium hats that were at a contemporary price point, so they launched the EK Collection a few seasons ago, with the E and the K standing for New Era’s founder Ehrhardt Koch.
“Our brand is closely associated with the baseball cap, but the first hat he designed was a Gatsby hat,” said Billy Loncar, senior design manager for New Era Cap. “This line is paying homage to our heritage through materials, hardware and little finishing details.”
According to Loncar, each season the vintage aesthetic remains the same, but they infuse premium materials, new colors and different fabrications into the line. The line is broken down into Luxe, Vintage and Classic and includes a waffle-knit beanie, a shearling and velvet baseball cap, a velvet skully, a wool fedora and a herringbone driver’s cap. The line retails from $ 60 to $ 150. The collection is distributed on New Era’s e-commerce site along with Saks Fifth Avenue, Nordstrom, Fred Segal, Barneys New York and Selfridges.
“I think one of the really great things about the EK line is the clean aesthetic and subtle details that go into the designs that buyers appreciate,” said Loncar. “The styles are wearable

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PepsiCo CEO Indra Nooyi Steps Down, With a Parting Gift for Investors: Better-Than-Expected Earnings

Indra Nooyi’s 12-year tenure as PepsiCo’s CEO came to and end Tuesday as the 24-year PepsiCo veteran hands the corporate reins over to her successor. Starting Wednesday, Ram?n Laguarta will oversee the Pepsi, Frito-Lay, Tropicana, Gatorade, and Quaker brands.

Nooyi’s final day on the job included a quarterly earnings report that beat analyst estimates–the 75th such earnings call she has participated in as the company’s CEO or CFO. Revenue rose 1.5% to $ 16.5 billion while earnings totaled $ 1.59 a share. Both figures beat analyst estimates, although some analysts nitpicked the results because they benefited from a lower tax rate rather than higher operating margins.

As a result, PepsiCo’s stock fell 1.9% to $ 108.72 a share during Nooyi’s last day. But the company’s stock has risen 109% since Nooyi was named CEO in August 2006, a notable performance in an industry known more for slow, steady improvements rather than tech-like hypergrowth. Coca-Cola’s stock, by comparison, has risen 67% since August 2006.

Under Nooyi’s leadership, PepsiCo’s revenue grew by 80% during a period when consumer tastes began to change and when food companies faced consolidation. Nooyi pushed PepsiCo early on to shift from junk food toward healthier snacks and beverages, anticipating a change that caught some companies off guard. She also advocated for stronger recycling policies as well as snacks that were tailored toward the tastes of female consumers.

Nooyi won numerous business accolades, included landing at or near the top of Fortune’s annual ranking of Most Powerful Women in business, where she appeared in 18 of the last 20 years. Last year, when Nooyi was ranked No. 2 on the list, she spoke about the formidable challenges she still faced as PepsiCo’s leader.

“The industry is seeing a pace of change and disruption that we’ve never seen… You’re going to have consolidation, disruption, and a shakeout in the industry. You’re going to see the emergence of new players,” Nooyi said. “You can look at it with pessimism, that, ‘Oh, my God, all of this is changing,’ or optimism, to say perhaps this is the time to rewrite some of the rules and rebalance the competitive equation in the industry. I’m in the latter camp, and I’m looking at the world and saying, ‘Interesting times.’”

Nooyi’s successor Laguarta is also a PepsiCo veteran, having worked at the company for 22 years. Laguarta will be the sixth CEO at PepsiCo, which has historically appointed new CEOs from within its ranks.

Nooyi will remain PepsiCo’s chairman until early next year. When she was named CEO of Pepsi, she was only of only 11 female CEOs of Fortune 500 companies. After she steps down, there will be 25. In an interview this summer with Fortune, Noori expressed regret that number remained low. “It concerns me in that we can actually count how many there are, as opposed to saying there are hundreds,” she said.

Fortune

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Conagra Brands Q1 Results Miss View; Stock Down

Conagra Brands Inc. (CAG) reported profit for the first quarter of fiscal year 2019 that increased 16.8 percent from last year. Quarterly net sales grew 1.7%, and organic net sales, excluding the sale of the Trenton, Missouri production facility Trenton grew 1.2%, with growth in all four operating segments. Both adjusted earnings per share and revenue for the quarter missed analysts’ expectations.
RTT – Earnings

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