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.

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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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.
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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.

Learn more about your ad choices. Visit megaphone.fm/adchoices

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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…

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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.”


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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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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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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…

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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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Life & Style – Black America Web

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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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clark.com

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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.
WSJ.com: WSJD

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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.

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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…
Business | New York Post

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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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