When Are Prince William and Duchess Kate Going to Meet Baby Archie?

Aunt and uncle on deck! Duchess Kate and Prince William will finally meet baby Archie on Tuesday, May 14, a source confirms to Us Weekly. The visit will come more than a week after Prince Harry, William’s younger brother, and Duchess Meghan welcomed the baby boy.

Also waiting to meet the newest royal are Prince Charles, William and Harry’s father, and his wife, Camilla, Duchess of Cornwall, according to the Daily Mail.

William, 36, and Kate, 37, expressed their excitement about Archie’s arrival through social media on May 6, just hours after Meghan, 37, gave birth. “The Duke and Duchess of Cambridge are delighted with the news of the birth of The Duke and Duchess of Sussex’s son today, and look forward to meeting the latest addition to the family,” read an Instagram message on Kensington Palace’s Instagram account.

“Will and Kate are very excited and can’t wait to meet the little one,” a source told Us later that day.

Though Archie hasn’t met his Uncle William and Aunt Kate yet, he has met some of his family members and others close to his parents. “Harry and Meghan spent the weekend enjoying their first weekend as parents, celebrating Mother’s Day, and had visits from a few friends,” a representative for Kensington Palace told Us on Monday.

Other members of the royal family who have met the newborn are Queen Elizabeth II and Prince Philip — the latter of whom was, by happenstance, the first to see the new addition.

“We just bumped into the duke as we were walking by, which was so nice,” Meghan told members of the press at her son’s debut inside Windsor Castle on Wednesday, May 8. “So it will be nice to introduce the baby to the family.”

The new parents have been enjoying downtime at their new home at Frogmore Cottage in Windsor, England, alongside Doria Ragland, Meghan’s mother.

“Meghan and Harry are very happy with how the house and nursery turned out,” an insider told Us on Sunday, May 12. “Everything is comfortable, and they are much happier than when they were living at Kensington Palace.”

The insider also told Us that the royal couple “love” having Ragland on hand: “She is so level-headed and just what a set of new parents need to keep them calm and give them great advice.”

“Harry and Meghan are truly in baby bliss right now,” the insider added. “It is a life they’ve both dreamed of and now they get to live it.”

Us Weekly

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Ninja Says There’s ‘Always Going to Be Trash Talk’ Online, But It’s Up to Parents to Help Police It

Tyler “Ninja” Blevins, who scored a legion of fans with Fortnite livestreams that have hooked millions, says trash-talking in the online gaming community needs to be monitored – but said it’s up to parents to help police it, too.

“There’s always that friendly banter. Sometimes it gets a little rough,” Ninja, one of the 2019 TIME 100 honorees, said at the TIME 100 Gala Tuesday. “But I think that in general just the Internet as a whole is a place where people can say whatever they want with anonymity. It always needs to be monitored and people need to always be careful.”

But, he added: “I challenge parents to make sure that they’re reading their children’s tweets and their comments on Instagram posts and monitoring them. You know, be good parents.”

Thanks to the blue-haired pro gamer’s mastery of the insanely popular game, he’s extended his staggering reach into an offline empire. Blevins came to the TIME 100 Gala on Tuesday night in New York City to celebrate with the latest crop of luminaries

He said that becoming a professional gamer is incredibly difficult, but it’s achievable with hard work and dedication.

“I think you put your whole heart into what you want. And if you have the time — which everyone has the time — you can play 8 hours a day and still have 8 hours left in your day to go to school, do well, go to work. And even with a full-time job, you can still put in 8 hours,” he said.

Pittsburgh Steelers wide receiver JuJu Smith-Schuster took part in Ninja’s iconic record-smashing stream last year that drew Drake and Travis Scott, drawing more than 600,000 viewers so it was only fitting that Smith-Schuster wrote Ninja’s TIME 100 profile.

“I was among the millions of people all across the world who had been watching Ninja play ‘Fortnite,’ the popular video game, every day for months,” he wrote in TIME. “He was the unquestioned best in the world at his craft, something I had so much respect for both as an athlete and as a fan. Now, he was single-handedly blending gaming and pop culture.”

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Double Down on Going Green: These Green Friendly Companies Hire Remotely

You may be looking for ways to go green  — and maybe make a little green while you’re at it. Working from home is a great way to do both, especially if it’s for a green-friendly company.

Transportation pollution is currently the leading cause of greenhouse gas emissions, and a close second is electricity usage. Commuters and office buildings are responsible for a large portion of those emissions, but the good news is that remote jobs, which disincentivize both commuting and large offices, are soaring in popularity.

The number of remote workers is up 140% since 2005, according to data from Global Workplace Analytics.

To add to those environmental benefits, remote workers also have $ 4,000 higher annual earnings. — Global Workplace Analysts’ telecommuting study.

“In terms of personal footprint, working from home is a big deal,” says Dr. Robert Brinkmann, Hofstra University professor of geology, environment and sustainability. “You can reduce your greenhouse-gas footprint significantly.”

That’s because working from home, on average, will cut 8,000 commuting miles off your odometer and will curb an estimated three tons of carbon emissions each year.

To double your environmental impact, we found  several green jobs you can do remotely.

What Are Green Jobs?

Generally speaking, green jobs are jobs that help the environment. They can be in almost any industry, but they must strive to increase energy efficiency and sustainability.

Direct examples include land, water and wildlife conservation, whereas a less direct example is a vegetarian food brand.

Companies With Remote Jobs That Help The Environment

If you’re a nonprofit organization or a business in green tech, it makes sense to hire remotely. Here are a few companies that put their environmental mission where their mouth is.

Audubon

Audubon, more formally The National Audubon Society, hires many jobs explicitly aimed at helping the environment, some of which are available remotely. The nonprofit membership organization was founded more than a century ago, and it lobbies the government on environmental conservation issues.

Remote work is available for interns and conservation organizers. Visit its job board for open positions.

Impossible Foods

detail shot of Impossible Foods burgers

This is a company you may have already come across in your daily routine. Impossible Foods produces plant-based meat alternatives to offset the environmental impacts of the agricultural industry. It’s made headway since 2011 in getting its faux meat into grocery stores and restaurants across the nation.

The company is based in California, but it offers some work-from-home positions, typically in sales. Check the current job listings for available opportunities.

Mercy For Animals

An advocate for cruelty-free farming, Mercy For Animals is a nonprofit organization that has spurred several factory-farming investigations since its launch in 1995. For most positions, applicants can choose between working remotely or at one of its physical locations. Remote jobs in tech, community organization and communications are available.

See current openings on its job board.

The Humane League

The Humane League started in 2005 in Philadelphia as a small grassroots organization. Since then, it’s expanded into an international nonprofit that campaigns for animal rights and sustainable farming practices. All jobs at The Humane League are remote, and its workforce is decentralized across several countries.

Check the current job listings to apply.

The Sierra Club

Long a champion of environmental conservation and sustainability, the Sierra Club boasts more than 3 million members, making it one of the largest nonprofits in the U.S. Most of its jobs are located at the California headquarters or in one of the field offices around the nation. Remote positions include volunteer management and communications.

For current openings, visit its job board.

For other remote job opportunities that aren’t directly associated with environmental organizations, browse The Penny Hoarder’s Work-From-Home Jobs Portal. We post legitimate remote jobs there all the time.

Other Ways It Pays to Go Green

close up shot of window with an air conditioning unit

If you’re interested in reducing your greenhouse gas emissions overall, Brinkmann says to think of your carbon footprint in a broader sense.

While, yes, working from home is a noble way to reduce about three tons of carbon pollution a year — if you’re not careful, you can easily undo those efforts in other areas of your life. Take travel, for example: A one-way flight from Atlanta to Beijing will produce roughly the same amount of emissions.

And if you’re working from home, you may be tempted to blast the AC all day.

Brinkmann says small energy adjustments around your home office can have a significant environmental impact, especially on your energy bill.

According to the Environmental Protection Agency, about half of your energy bill is due to air conditioning. Ensuring your heating and cooling equipment is Energy-Star certified will reduce your bill and your emissions. A switch to energy-efficient lighting is another cheap investment that will save you in the long run, as the bulbs use 75% less energy and last up to 10 times longer.

For those times when you have to use services that emit large amounts of greenhouse gases, such as airplane rides, Brinkmann offers this solution: carbon offsets. These are small investments in renewable energy projects that help negate the impact of carbon-emitting services you use.

For example, to negate the effects of three tons of carbon dioxide emissions —  aka a year’s worth of commuting to work or one 12-hour international flight — you could purchase the equivalent in carbon offsets for as little as $ 30 through organizations such as Terrapass and Carbonfund, which use your investments for environmental initiatives like forest restoration and land conservation.

“When you buy [an international] flight, you just throw another 30 bucks in the coffers for that,” Brinkmann says.

To have a “guilt-free Earth Day,” as he puts it, be sure to earmark some of that money you saved from a lower energy bill and reinvest it in green energy.

“It’s a win-win for everyone.”

Adam Hardy is a staff writer at The Penny Hoarder. He specializes in ways to make money that don’t involve stuffy corporate offices. Read his ​latest articles here, or say hi on Twitter @hardyjournalism.

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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Link Love: Two Women on Going Grey

Alyson Walsh of That’s Not My Age has been documenting her process of transitioning to grey hair for a while now. I particularly liked what she said in her latest blog post on the subject:

“Part of the fear of going grey when you’re over-50, is that the change (of hair colour) will make you look older. I know I look my age and I’m happy with that. With age, comes self-acceptance and increased confidence. Admittedly, there are times when my hair is tied back and I catch my make-up-less-self in the mirror and get a bit of a shock. But I can always usher in the blusher. The reality of this grey-naissance is that I don’t feel older. I feel authentic. I feel better.”

Emma Beddington, who has alopecia universalis (an auto-immune condition where the body views hair as an intruder), switched out her usual auburn wig for a silver grey one, and found that going grey stirred up unexpected emotions:

“I thought this grey business would be a lark, but it wasn’t, actually. It poked at spots I didn’t know were tender and awoke a desire to look nice I had long squashed down. I was sceptical of the much-documented drama of hair ‘transition’ I explored online, silently judging the ‘brave’ and ‘not for the faint-hearted’ narrative grey positivity seems to inspire. This week has taught me I was wrong. Confronting the reality of a physical self you hide or ignore is big stuff, it transpires, and oddly exposing. Theresa has forced me to accept that I am not just a disembodied brain in a padded gilet. But now what? Grey is anything but giving up: it’s hopeful but it’s also challenging.”

Fab Links from Our Members

Robin Givhan’s point about the perjorative use of ‘old lady’ to describe unflattering clothes completely resonated with Shevia: “Indeed, for each silver-haired model with sharp cheekbones and a long, lean body that designers put on the runway or venerate in an advertising campaign or on the red carpet, they articulate countless cautions against ‘old lady’ style, or ensembles looking too ‘mother-of-the-bride’ or ‘mumsy’ — all of which land like a thousand paper cuts.”

UmmLila wanted to share this article about public figures receiving advice on how to be appropriately dressed for the occasions they appear at.

Runcarla thinks it’s pretty cool when celebrities ‘thrift’, and particularly interesting that vintage maternity wear from the late ’50s and ’60s seems apropos.

Following our recent conversation about leggings, kkards thinks Vanessa Friedman has done a great job of laying out the leggings debate as a generation shift. This paragraph in particular spoke to her: “The truth is, it’s possible leggings may be simply standing in for those other issues. One of the great gotchas of fashion is that what may appear superficial or unimportant (leggings!) is, in fact, representative of a more complicated, harder to express reality (identity). This is what gives clothes their power.”

Thinking about identity, Vildy enjoyed this article on leather jackets for guys who aren’t sure about leather jackets.

Recently unfrumped has been feeling inspired by Jamie-Lee of Mademoiselle and Alyssa Beltempo of msbeltempo: “Both actually for buying less. I am continuing my very slow wardrobe editing and I need repeated reminders for focus and versatility (non- imaginary). Most of it relates to my work wardrobe because that gets over expanded as I feel ‘justified’, but in general having things that aren’t getting enough wear for the space they occupy.”

NOTE: Some rich content in this post was omitted because it isn’t supported by the feed. Please visit the post on youlookfab.com to see the additional content.


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Anti-vaxers are winning the war on social media. What’s the CDC going to do about it?

Concerned that anti-vaccination activists are winning the war on social media, advisers to the US Centers for Disease Control and Prevention say public health authorities need to figure out how to fight back.


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Lagerfeld Fashion Sketches Going Under the Hammer

The death last month of longtime Chanel designer Karl Lagerfeld has only increased demand for the brand and heightened interest in the man. Now, a little-known chapter in his career will be illuminated when a Palm Beach auction house on April 18 offers 125 of Lagerfeld’s fashion sketches dating to the early Sixties when he was working for the House of Tiziani in Rome, long before he joined Chanel in 1983.
The trove of sketches is the second sale of Lagerfeld’s fashion drawings by the Urban Culture Auctions division of Palm Beach Modern Auctions. The company in 2014 offered sketches by Lagerfeld, which were saved by Tiziani’s founder Evan Richards and preserved by subsequent owners who maintained the archive.
Urban Culture’s co-owner Rico Baca in 2014 traveled to Rome with the consignor and spent a week sifting through the archive. “Many of the sketches had Lagerfeld’s signature on them,” he said. “I had to look at the rest of the collection and find similarities. You can see how the shoes are done and how the faces are done. Many design studios don’t add hair to the faces.”
While Baca thought he’d auctioned the last of the sketches in 2014, he subsequently learned that

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Danny Meyer’s Lessons Learned From Going Cashless, Eliminating Tipping, and the Shake Shack IPO

As the CEO of Union Square Hospitality Group, the founder of Shake Shack, and arguably one of the most powerful people in restaurant world, there are few people better to ask advice of and lessons learned in this industry than Danny Meyer.

While discussing USHG’s latest opening, Cedric’s at The Shed in Hudson Yards, this week, Meyer also answered a few questions about some of his more headline-grabbing business moves lately, including the elimination of tipping at his restaurants (meaning incorporating gratuity for service into menu prices, a standard practice outside the United States) as well as controversy surrounding going cashless.

Over the last two decades, the management team says it’s seen the percentage of cash transactions dropping precipitously, partially serving as the catalyst to setting up credit card only/cashless checkout at some of its more fast casual establishments. But there has been an outcry that such practices are discriminatory.

Along with the discussion about the inspiration and goal for Cedric’s, here are more excerpts from that interview, edited and condensed for clarity.

Fortune: There’s been a bit of a backlash to going cashless, which you’ve written about before. Philadelphia, notably, is planning to ban restaurants from going cashless. What’s your response to this?

Meyer: The fact is that most of our guests use credit cards anyway. So it’s almost irrelevant. When I wrote an article about this for LinkedIn, if someone absolutely can’t get credit, and yet they can afford to eat with us, we find some way to serve them. And we always have. Sometimes we give it away. We’ll obviously abide by whatever laws there are. I do think that the world is moving to using less cash. I don’t go to the ATM nearly as much as I used to. Look, I’m sensitive to the notion that some people can’t get a credit card, including, by the way, kids. Say a kid has a really big allowance and they can afford to eat at one of our restaurants, but they can’t get a credit card. I still want to take care of that kid. We always find a way to serve a guest.

This is all kind of ironic. Because in the old days, the controversy was that restaurants only took cash and wouldn’t let you use your credit card because they didn’t want to pay the fee. And so the irony is that now restaurants are willing to pay more of a credit card fee, often for the safety of their staff. It is a very dangerous thing to have cash around a restaurant. That’s been the primary motive for us.

What was the biggest takeaway from the push to eliminate tipping, or incorporate it into your menu prices?

That it wasn’t nearly as scary as people think. That consumers have been very, very willing and ready to accept it. One of the last ones we converted was Porchlight (a Southern-inspired cocktail bar in New York). Because we said, of all places, a bar!

We found that, too, when we eliminated smoking. The one we were most concerned about was our jazz club, the Jazz Standard. Everyone smokes in a jazz club, don’t they? But that only helped our business. And the artists were happy that they didn’t have to be inhaling that when playing a saxophone.

Given how many IPOs there planned are this spring, what was the biggest lesson you learned from the Shake Shack IPO? What surprised you?

The thing that surprised me was how you learned there are really two parallel universes: the business you’re running and the business that people react to. You have consumers who are, hopefully, in love with your business. And you have Wall Street, which either is or is not in love with your stock. And the thing we’ve learned is focus running on the business and things will work out.

But they’re very different things. Shake Shack stock


shak



popped for some interesting reason. Within probably four months, it spiked from $ 21 per share to $ 90 something. On the one hand, you have people in love with your restaurant. On the other hand, you have people not in love with the stock price. And you just can’t get distracted by that. As someone much smarter than me once said, “On a day-to-day basis, the stock market is a good voting machine. In the long term, it’s a good weighing machine. And the weight generally evens out.”

Fortune

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Bannon-linked group is planning a summit to rally nationalists. But it’s not quite going to plan

The Movement is a group for nationalist parties in Europe which is supported by the U.S. political strategist Steve Bannon. But, the platform is reportedly struggling to mobilize right-wing parties on the continent.
World News & Analysis

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3.27.19 Venmo going after users; Puppy scams; Protecting your internet accounts

Venmo is taking money from user’s PayPal accounts and calling debt collectors when they run a negative balance; Here’s how to avoid losing big money in puppy scams; Two-factor authentication will help you protect your social media and email accounts.

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

Watch the video

The post 3.27.19 Venmo going after users; Puppy scams; Protecting your internet accounts appeared first on Clark Howard.

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Mel B Says She Had Sex With Spice Girls Bandmate Geri Halliwell: ‘She’s Going To Hate Me’ | PeopleTV

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Hudson Yards Is Going All Out to Make New Yorkers Love Malls

Timothy A. Clary/AFP/Getty

“Here we go,” reads the text on a banner promoting the opening of Hudson Yards, New York’s 72,000-square-foot mall, or retail center, or “billionaire’s fantasy,” as New York magazine’s Justin Davidson described the entire housing and retail development.

The banner has no punctuation. How the sentence ends depends on your tax bracket.

If the idea of roaming New York’s first Neiman Marcus department store with the intention of purchasing a designer dress is feasible, you might lace up your thousand-dollar Louis Vuitton sneakers and think, “Here we go!”

Read more at The Daily Beast.

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‘Kushner, Inc.’: Ivanka ‘Thinks She’s Going to Be President,’ and More Batsh*t Bits From the New Trump Book Excerpts

Photo Illustration by The Daily Beast

Behind the scenes? Even more out-of-control.

New excerpts of Kushner, Inc., the forthcoming book by investigative journalist Vicky Ward, describe first daughter Ivanka Trump and her husband, Jared Kushner, as clashing with everyone from former Secretary of State Rex Tillerson to former top White House strategist Steve Bannon, who reportedly told the first daughter: “Go fuck yourself.”

The couple, reported to be widely disliked by many Trump administration staffers, has been derided for their conflicts of interest and for White House meddling, according to Ward’s book, which will be out March 19.

Read more at The Daily Beast.

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‘Kushner, Inc.’: Ivanka ‘Thinks She’s Going to Be President,’ and More Batsh*t Bits From the New Trump Book Excerpts

Photo Illustration by The Daily Beast

Behind the scenes? Even more out-of-control.

New excerpts of Kushner, Inc., the forthcoming book by investigative journalist Vicky Ward, describe first daughter Ivanka Trump and her husband, Jared Kushner, as clashing with everyone from former Secretary of State Rex Tillerson to former top White House strategist Steve Bannon, who reportedly told the first daughter: “Go fuck yourself.”

The couple, reported to be widely disliked by many Trump administration staffers, has been derided for their conflicts of interest and for White House meddling, according to Ward’s book, which will be out March 19.

Read more at The Daily Beast.

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Michael B. Jordan: “You’re Going to Get Back What You Put Out” | SuperSoul Sunday | OWN

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‘The Bachelor’ Contestant on Revealing Sexual Assault: ‘I Thought it was Going to be Hell’

SPOILER ALERT: Do not read if you have not yet watched “The Bachelor: Women Tell All” that aired Tuesday, Mar. 5. After sharing that she had been sexually assaulted in college, “The Bachelor” contestant Caelynn Miller-Keyes says she suffered from anxiety up until the episode aired and didn’t expect so much support from fans. “I was […]

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Jake Arrieta knows what Bryce Harper is going through, as a long, slow free agency plods on

“Bryce [is] going to eventually sign and be fine,” the Phillies pitcher said. “But there is going to be a delay in [his] ability to get ready for Opening Day. There’s no way around that.”
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Success Tax Is Going To Be At Opp Ex, Will You?

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Source: Success Tax / Success Tax

Have you recently received a notice from the IRS demanding payment? Are you struggling to figure out how you will ever pay back taxes or a large tax liability? Are you losing sleep worrying about what you are going to do about all of those unfiled tax returns? Has the IRS levied your wages or your bank account? Have you been contacted about an upcoming IRS audit?

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West Virginia teachers going on strike Tuesday

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Going Green in the OR

Inhaled anesthetics make complex procedures such as open-heart surgery painless for patients, but they can also harm the environment. Like CO2, the best-known greenhouse gas carbon dioxide, anesthetic gases trap energy from the sun in the atmosphere and warm the planet.

In September 2018, Kaiser Permanente South Bay Medical Center took steps to help green the anesthesia used in surgery and reduce its carbon footprint. Based on a practice the Kaiser Permanente Northern California Region previously adopted, the South Bay facility began substituting the anesthetic gas desflurane with the less potent gases sevoflurane and isoflurane in the operating room. After used anesthetic gases are expelled outside the medical center, the more environmentally harmful desflurane stays in the atmosphere for approximately 10 years, compared to 1.2 years for sevoflurane and 3.6 years for isoflurane, according to research on anesthetic gases.

The significant impact of climate change on the environment and human health affects everyone, especially vulnerable individuals and communities. Kaiser Permanente has pledged to become a carbon neutral organization in 2020. Changing anesthetic gases to reduce negative environmental impact helps contribute to that broad effort.

“Choosing to use more environmentally friendly anesthetic gases enables us to greatly reduce our carbon footprint,” said Alexander Chin, MD, chief of anesthesiology, Kaiser Permanente South Bay Medical Center. “We anticipate this change will decrease our yearly greenhouse gas/CO2 emissions by the equivalent generated by approximately 50 average-size passenger vehicles driven for one year.”

The daily reduction of greenhouse gases is also substantial. One hour of desflurane use equals the greenhouse gas effect of driving 200 to 400 miles, compared with 18 and 20 to 40 miles of driving per hour of use of sevoflurane and isoflurane, respectively.

Desflurane is the most expensive anesthetic gas, so the changeover also boosts the bottom line, saving an estimated $ 28,000 annually at the South Bay Medical Center

“It is our obligation as a health care provider to minimize our negative environmental impact,” said John Yamamoto, vice president, Community Health and Government Relations, Kaiser Foundation Health Plan and Hospitals. “This impressive change in practice exemplifies how Kaiser Permanente is seeking ways to do business differently to enhance the health of our members and the communities we serve, while maintaining high-quality, affordable health care. Even a slight change can make a meaningful difference.”

Inspiring change

Late last summer, Dr. Chin spearheaded an educational campaign at the South Bay Medical Center to increase awareness among the anesthesiologists and their teams about the negative impact of desflurane on the environment. Many providers are more comfortable using desflurane because they trained with it, but there is minimal difference to the patient’s medical care which gas is used, according to Dr. Chin.

“We wanted to make the educational process as collaborative as possible,” Dr. Chin said. “Once people became aware of the issue, they realized the change made a lot of sense. They then voluntarily began reducing the use of desflurane.”

To make it easier for providers to choose the anesthetic gases that cause the least environmental harm, sevoflurane and isoflurane are readily on hand in the OR. Desflurane is still available, but now it is only kept in a nearby storage room for access if needed.

Although the anesthesiology department’s goal was to reduce the use of desflurane by half at the end of 2018, it achieved a remarkable 90 percent decrease. “To make this kind of change happen, it truly took the buy-in of the whole team,” said Allison Tse, MSN, CWCN, assistant department administrator, Anesthesia Department, who served as project manager for this initiative.

Main RSS Feed – Kaiser Permanente

NEW PARENT ESSENTIAL UPDATE:

NASA bids adieu to Opportunity, the Mars rover that kept going and going

Opportunity, a remarkably durable NASA rover designed to roll along the surface of Mars for three months, has stopped communicating with Earth after 15 years of service, officials said on Wednesday, ending a mission that astounded the U.S. space agency.


Reuters: Science News

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Going it alone on the wall would be peak Trump

President Donald Trump’s mantra “I alone can fix it” is about to face its ultimate test as he contemplates a vast, contentious sweep of executive power to build his wall.


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

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This Baseball Team Wants to Rewrite ‘Take Me Out to the Ball Game’ After Going Peanut-Free

A Connecticut minor league baseball team is banning peanuts and Cracker Jack from its stadium to protect fans with food allergies — and it’s even rewriting a classic ballpark song because of it.

As of the 2019 season, the Hartford Yard Goats will no longer sell peanut products at Dunkin’ Donuts Park, according to a team announcement. While other teams have hosted peanut-free nights or maintained peanut-free sections, team officials said they believe they are the first to implement a full ban.

The decision came after Kerry Adamowicz and other local parents approached team officials about their children’s food allergies. Adamowicz’ two-year-old son, Sam, has a life-threatening peanut allergy, and the new policy means he can grow up a baseball fan, she told NBC Connecticut.

“It’s a huge relief,” Adamowicz said. “It’s a really good feeling to come to the park and know that’s one stress that is taken away and we can breathe a sigh of relief and enjoy baseball.”

As many as 2.5% of U.S. children are allergic to peanuts, an increase of 21% since 2010, according to a recent estimate from the American College of Allergy, Asthma and Immunology. A recent study also estimated that about 4.5 million adults are allergic to peanuts, and 3 million are allergic to tree nuts.

Yard Goats President Tim Restall told the Hartford Courant that helping kids and adults with peanut allergies to enjoy the game is more important than selling peanut products.

“The way we look at it, if we eliminate this one item to allow kids to enjoy a baseball game, that’s what it all comes down to,” Restall said. “Why prevent someone from catching a foul ball or getting a picture with [mascots] Chompers and Chew Chew because of a food item?”

And while General Manager Mike Abramson admitted to NBC Connecticut that the team would likely get “flak” for the decision, it’s taking it in stride.

The team is even sponsoring a contest to rewrite the “peanuts and Cracker Jack” lyric in “Take Me Out to the Ball Game,” and the winning submission will be sung at the park this season, the Courant reports.

Sports – TIME

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Going bare-faced is scary, unless you follow these tips and tricks

Promotional feature with Oral-B

Pictured above: Beauty vlogger Estée Lalonde is the face of Oral-B’s #nofiltersmile campaign

In a world of FaceTune, Snapchat filters and over-contoured complexions, it’s time to start celebrating the au naturel. Let’s put barefaced beauty back in the spotlight and encourage more people to #nofiltersmile their selfies.

We know that showing the world a completely bare face can be daunting to some people; perhaps you’re struggling with blemishes, you wouldn’t be caught dead without concealer over your dark circles or maybe you just wish your teeth were a little bit whiter. We totally get it. However, there are some simple tricks that you can follow to help make you feel more confident in front of the camera.

1. GET THE FULL EIGHT

We know you’ve heard it before. But getting a good night’s sleep allows your body, mind and skin to rest, recuperate and repair. Avoid looking at your phone for an hour before bed, spritz your pillows and duvet with a lavender pillow mist and pop on an eye mask. You’ll wake up feeling a lot fresher, more revitalised and it will show on your face.

2. NAIL YOUR ROUTINE

If you want healthy looking skin you need to look after it properly. What does properly mean? It means cleansing every single day, then using a toner that’s suited to your skin type. If you don’t use a serum – introduce one now, it’ll supercharge your routine and help make your skin look lit from within. Once that’s done, follow with an SPF moisturiser for daytime protection. Repeat in the evening, but switch to a night cream that boosts the skin’s repair mode, like retinol.

3. DRINK, THEN DRINK SOME MORE

Another obvious step, but one that so often gets overlooked despite the benefits to your skin and health: drinking water. The NHS EatWell Guide recommends drinking between six and eight glasses a day, which is easy when it becomes a habit. Here’s a little tip: aim to drink two glasses when you’re having your breakfast, keep a glass on your desk and try to get through around four during the working day, then when you sit down to dinner try and drink two more, before finally ending with one before bed. Easy peasy. Your skin will thank you.

4. BE PICKY ABOUT WHAT YOU PUT IN YOUR MOUTH

Don’t just use any old toothpaste, use one that you’re actually going to benefit from. Oral-B’s 3D White Whitening Therapy Enamel Care Toothpaste is designed to remove surface stains and strengthen and nourish your enamel. The loss and weakening of enamel is what causes yellowing and stops you having a brighter, whiter smile.

5. WORK WITH WHAT YOU’VE GOT

They say the eyes are the window to the soul, so treat them with kindness and care and accentuate them. Get your eyebrows shaped at a brow bar and you’ll notice that your face is instantly framed. Curling your lashes opens up your eyes and makes them pop. Take down any puffiness with a cool flannel over your eyes for 15 minutes.

The post Going bare-faced is scary, unless you follow these tips and tricks appeared first on Marie Claire.

Marie Claire

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Oh great, Russian fighter pilots are going to start flying with scary AI wingmen

Russian military

Well, it seems Russian military officials don’t want to just stop with that fearsome new hypersonic intercontinental ballistic missile that was tested last month, which we told you about and which Russia claims there’s no defense against. It would appear the country’s military forces have also been testing the feasibility of having AI-powered wingmen fly alongside Russian fighter pilots, executing commands issued by the human pilot an inaugurating a scary new chapter in aerial military combat.

News accounts of Russia’s efforts here are the result of images spotted on social media of a drone called Hunter, an unmanned combat vehicle, along with images of a jet called the Sukhoi Su-57. Of particular interest is that fighter jet’s tail. As you can see below, on the tail you can see the shape of a jet as well as an image that seems to be the “Hunter” drone, along with the image of a lighting bolt.

Continue reading…

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Oh great, Russian fighter pilots are going to start flying with scary AI wingmen originally appeared on BGR.com on Sun, 27 Jan 2019 at 14:51:10 EDT. Please see our terms for use of feeds.


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‘The genie is out of the bottle and AI is going to create a skills gap’: Workday CEO

Artificial intelligence is going to create a skills gap in the workforce, and employers need to focus on retraining, warned Workday co-founder and CEO Aneel Bhusri, speaking with CNBC's Squawk Box at the World Economic Forum in Davos on Thursday.
Economy

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Podcast: KHN’s ‘What The Health?’ Drug Prices Are Rising Again. Is Someone Going To Do Something About It?

Many drugmakers have announced price increases with the start of the new year. The new Congress wants to do something about that. And even though both Republicans and Democrats want to address the politically potent issue of drug prices, it is unclear what they might be able to agree on.

Battle lines are forming between the House and Senate on the matter of abortion. The House is led by abortion-rights supporters and, since the election, the Senate has become slightly more against abortion.

And even though the majority of the Department of Health and Human Services remains unaffected by the partial government shutdown, the lapse of funding for other agencies is having spillover effects on health programs.

This week’s panelists for KHN’s “What the Health?” are Julie Rovner of Kaiser Health News, Joanne Kenen of Politico, Margot Sanger-Katz of The New York Times and Alice Ollstein of Politico.

Among the takeaways from this week’s podcast:

  • The biggest conflict among Republicans and Democrats on the drug issue centers on the GOP’s reluctance to give the government a role in directly negotiating prices. Adding to the pressure is the clear indication that the issue will be front and center in the 2020 campaign.
  • Some states, such as California, are looking to find ways to bring down drug costs on their own. California Gov. Gavin Newsom, a Democrat, has proposed that the state have direct negotiations with drugmakers. Such efforts could mean cutting off consumers’ access to some drugs, if manufacturers don’t agree to a price the state likes, and that is a painful choice for officials and patients.
  • When House committee assignments were released this week, women were appointed to lead many of the key panels that have a hand in health policy, including the chairman and top Republican on the Appropriations Committee and two Energy and Commerce subcommittees.
  • The House Democratic Caucus now has more liberal members and fewer conservatives, so the party’s efforts to roll back restrictions on abortion are likely to be more robust. That could also trigger some big battles with Republicans through the legislative session.
  • Senate Majority Leader Mitch McConnell (R-Ky.) is putting a bill on the Senate floor that would make permanent the Hyde Amendment — which bars federal funding of abortions in nearly all circumstances. But it seems unlikely that bill could be passed by the Senate, where it needs 60 votes, and even some Republicans are believed to oppose it.

Plus, for extra credit, the panelists recommend their favorite health policy stories of the week they think you should read too:

Julie Rovner: Bloomberg News’ “This JPMorgan Health Conference Is So Packed Attendees Are Meeting in the Bathroom,” by Kristen V Brown

Joanne Kenen: The New York Times’ “The Strange Marketplace for Diabetes Test Strips,” by Ted Alcorn

Margot Sanger-Katz: Kaiser Health News’ “Patients Turn To GoFundMe When Money And Hope Run Out,” by Mark Zdechlik

Alice Ollstein: The Washington Post’s “Federal Officials Launch Audit of D.C. Government’s Opioid Grant Spending,” by Peter Jamison

Kaiser Health News

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Trump says he could keep shutdown going for months or years

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


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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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12.28.18 Foster kids at risk; Warning for small biz owners; Car leasing costs going up

As foster care kids reach adulthood, difficulties mount; A warning to small business owners about expired URL’s and how they can be commandeered; Leasing a car is getting even more costly than it has been.

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Humans, Machines and Markets: Stocks Going Crazy Is Nothing New

The 2018 casualty list is long. Hedge funds. Trillion-dollar price tags on Apple and Amazon. Trading records everywhere. Not even Christmas was spared the wrath of cascading stocks. It feels unprecedented, Armageddon, or maybe the robot apocalypse. It isn’t.

While any 20 percent sell-off hurts, the one happening now is far from unprecedented in terms of depth or velocity. Over the past 100 years, there are almost too many examples to count of stocks tumbling with comparable force.

“It’s an inevitable process,” Marshall Front, founder of Front Barnett Advisers, who began on Wall Street in 1963. “It goes on over and over again.”

Investors have time to reflect on history, now that stocks have avoided a fourth straight down week via the biggest one-day rally since 2009. After coming within a few points of a bear market on Wednesday, the damage in the S&P 500 stands at 15 percent since Sept. 20.

“This is very normal. It unnerves people because we’re all talking about it all the time,” said Nancy Tengler, chief investment strategist at Tengler Wealth Management. “It’s in our face more. We have too much focus on the day-to-day or minute-by-minute or second-by-second movements. Historically, is this normal? Yes.”

A fair amount of complaining has gone on in recent months about the role of high-frequency traders and quantitative funds in the drubbing that reached its peak around Christmas. Perhaps. Those groups are big, and in the search for villains, they make easy targets. Treasury Secretary Steven Mnuchin is among the people who have made the connection.

One thing that makes it tough to lay blame for the meltdown on machine-based traders is the many times markets fell just as hard, long before they existed. The Crash of 1929 is one big example. However bad this market is, it’s a walk in the park compared with then.

“The largest percentage changes, except for 1987, were in the ’20s and ’30s,” said Donald Selkin, chief market strategist at Newbridge Securities Corp. “You had dramatic moves then and you didn’t have electronic trading then.”

Dotcom Bust

The dot-com bubble that had been developing since the late 1990s popped in March 2000, when the S&P 500 lost 35 percent over the course of two months. It took the Nasdaq Composite Index, which peaked at 5,040.62 on March 10, about 15 years to get to its old high.

Black Monday of 1987

The S&P 500 rose 36 percent between January and August 1987 in what was set to be the best year in almost three decades. Then the October sell-off pushed the S&P into a 31 percent correction in a matter of 15 days, much of it occurring on that infamous day.

1974 Sell-Off

The worst year since 1937 for the S&P 500 saw the index fall 33 percent in 115 days as a weakening economy, rising unemployment and spiking inflation pushed investors to head for the exits. Stocks subsequently rebounded, surging more than 50 percent between October 1974 and July 1975.

1962 Rout

Investors of a certain age may recall 1962, when the S&P 500 Index lost a quarter of its value between March and June 1962. The rout known as the Kennedy Slide came after the S&P 500 advanced 79 percent in the prior four years. The S&P 500 was essentially flat over the next two decades.

Not So Fat ’57

A dive in car sales and slowing housing construction pushed stocks into a 20 percent correction in a matter of 99 days in 1957. This preceded a recession that saw the U.S. gross domestic product contract 10 percent in a matter of three months in 1958.

Fortune

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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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On My Way to a B.F.A.: Episode 3.2 Jenna Ushkowitz on Going from College to ‘Glee’ to a Tony!

On the latest episode of “On My Way to a B.F.A.,” Natalie talks with Jenna Ushkowitz. Jenna is an actress, singer, author, podcaster, and Tony Award-winning producer for the 2017 revival of “Once on This Island.” She is well-known for her role as Tina Cohen-Chang on the hit TV show read more
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The Walking Dead is Going to China, But Not the Way You Think

A new Walking Dead novel is expanding the series’ universe into China.

Announced by Skybound Books, The Walking Dead: Typhoon, written by Wesley Chu (The Lives of Tao, Time Salvager), follows a group of survivors that work together to face a “wave of walkers in the most populous country in the world.” Skybound says Chu will bring a fresh perspective on societal decay and decomposing flesh established in Robert Kirkman’s comic series.

“Our goal at Skybound Books has been to give novelists the same creative platform and freedom to tell engaging genre stories that we already have in place across comics, film, television, and games,” said Skybound SVP Sean Mackiewicz. “Plus, after 15 years, we’re about to answer one of the biggest questions The Walking Dead fans have had since the beginning: what’s happening to the rest of the world? That we can expand The Walking Dead universe with talented authors like Wesley Chu will allow walkers to truly become an even greater global phenomenon than ever before!”

Continue reading…

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Elon Musk says there’s a 70% chance he’s going to move to Mars

elon musk mars

Elon Musk wants humans to make it to Mars. With his company SpaceX at his back, he’s pushed forward with some incredibly bold claims about what is possible for mankind on the Red Planet. He’s shown off concepts for Mars settlements and even called out scientists who say climate engineering on the planet is impossible.

Now, in an interview with HBO’s Axios, Musk doubles down on one of the more off-the-wall claims he’s made during his years in the spotlight. Mars, he says, will be his eventual home, and he estimates his odds of moving to the planet at a generous 70%.

Continue reading…

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Elon Musk says there’s a 70% chance he’s going to move to Mars originally appeared on BGR.com on Tue, 27 Nov 2018 at 00:09:19 EDT. Please see our terms for use of feeds.


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The Latest Elseworlds Trailer Finally Kinda Explains What’s Going On in This Year’s Crossover

Arrow, Stephen Amell, ElseworldsSomething sure is wrong with reality.
The latest trailer for the Arrowverse’s upcoming crossover sheds some new light on what we’re about to see and why when the event begins on…

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Slowed brainwaves linked to early signs of brain cells going haywire due to dementia

To turn back the clock on Alzheimer’s disease, many researchers are seeking ways to effectively diagnose the neurodegenerative disorder earlier. One potential way to do this is by tracking a person’s brainwave activity, which slows down in certain brain regions that are likely to be affected by the disease next, according to recent findings.
Child Development News — ScienceDaily

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The ex-Giants coach who knows what Todd Bowles is going through

It ends in different ways, for different reasons, but it almost always ends, because you are hired to be fired — especially in the NFL, where winning isn’t everything but it’s the only thing, and there are no medals for trying. It has undoubtedly become painfully obvious for Todd Bowles that he is Dead Coach…
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‘We were going to cook’: Man recounts how he and his mom, 90, survived fire

"I walked a mile and a half and saw four houses," the Paradise resident said.
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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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Sinead O’Connor, now going by Shuhada Davitt after converting to Islam, says she never wants to ‘spend time with white people again’

Sinead O’Connor says she’s done with white people.

The Irish singer, who famously ripped up a photo of Pope John Paul II during an appearance on “Saturday Night Live.” announced late last month that she was converting to Islam. Now, she’s sworn off white people entirely.

“I’m terribly sorry. What…

/entertainment – New York Daily News

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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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Brad Pitt Is Sure That Angelina Jolie Is Going To Create Drama When It Comes To The Holidays

More than two years after they separated, Brad Pitt and Angelina Jolie are still in the middle of their nasty divorce and custody battle, and a new report claims it is going to be a drama-filled holiday season for the former couple. Could the strange move Jolie’s lawyers made this past week be an indication of unusual things to come?

According to Radar Online, one of Jolie’s lawyers, Joseph Mannis, took the odd step of filing a formal motion with the court to notify them that he will be out of town for a week at Thanksgiving and two weeks at Christmas.

Because of this, Mannis has requested that the court doesn’t have any hearings between Jolie and Pitt during those times.

“Brad’s lawyers are going to ignore something that comes up with the kids that needs immediate attention from the court just because Joe is on vacation?” asked an insider.

The source says that the Once Upon A Time in Hollywood star is concerned that his ex will be ready “to stir up drama” during the holiday season and is going to continue her attempts to make Pitt look like the bad guy, especially if he needs to go to court while her attorney isn’t in town.

However, Pitt isn’t going to let Jolie’s antics keep him from spending time with their six children, says the insider.

Jolie recently made things even worse with Pitt when she threw out a bunch of items that he had left with the kids. The source says that Pitt left antiques, family heirlooms, and sentimental trinkets like old toys with the kids, and when Jolie found them, she threw them all out “without hesitation.”

Even though the divorce drags on, Pitt has moved on and is dating. However, the chances of him walking the red carpet with another celebrity are pretty small, says a pal. Friends do think that Pitt will marry again, but they think he will end up with a woman who has a lower profile.

Insiders say that these last two years have been a nightmare for the actor. And, after decades of relationships with women like Jolie, Jennifer Aniston, Gwyneth Paltrow, and Juliette Lewis, Pitt wants to keep things more private instead of having a public relationship.

Sources say that Pitt is enjoying hanging out with his friends and meeting women through people he trusts, but his top priorities at the moment are his children, his work, and getting some sense of normalcy. He is casually dating, but right now everything is about the kids.

Brad Pitt has stayed relatively quiet since his split from Angelina Jolie, making only two public statements. An insider says he is trying to do what is best for his kids, but he is hurt. Ultimately, his friends want him to find peace and love again.

Celebrity Insider

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Using 529s for Going Back to School

using 529s for going back to schoolReaders, have you ever considered using 529s for going back to school, either for yourself or a partner? If you’re thinking about getting a law degree or enrolling in another graduate program in the future, you should know the basics of using 529s to fund your education. I’m betting that the typical Corporette reader is more familiar with these tax-advantaged savings plans than the general public — only a third of Americans know what they’re for, which I assume is partly due to their oh-so-creative name — but it’s been quite a while since we’ve discussed them, so it’s time for an update.how to use 529s to go back to school(By the way, the 529’s lesser-known name does reveal its purpose: QTP, or “qualified tuition program.”) Here’s our last discussion on tax-savvy investments such as 529s — and also check out our 529 tips for working moms.

One major change since then, which will only apply to you if you have kids or are considering having kids someday, came courtesy of the Tax Cuts and Jobs Act that Congress passed in 2017. Under the new rules, 529 funds can be used not only to pay for college but also for tuition at K–12 public, private, and religious schools. (We’ll get into that later).

Psst: On the subject of grad school, we’ve previously shared tips on how to financially prepare for grad school, as well as how to transition from a lawyer’s salary back to paying tuition and — for when you’re out of school — tips on how to pay off big student loans

Here are some questions and answers about using 529s for going back to school, including a few tips from Jane Yoo, CEO of Jane Financial, a financial planning firm in Oakland, CA, that serves Gen X women professionals:

What are the tax advantages of opening a 529?

With 529 college savings plans, investment growth and withdrawals aren’t subject to federal taxes. The plans are administered by states, although you can use one from anywhere you choose, and some states offer their own tax benefits when you make contributions. For example, New York residents can deduct up to $ 5,000 ($ 10,000 for married couples filing jointly) on state income tax. If you live in Arizona, Arkansas, Kansas, Minnesota, Missouri, Montana, or Pennsylvania, you can still get a state tax deduction if you have a plan from another state. Note: In addition to the 529 option called a college savings plan, you have the option of the less popular 529 prepaid tuition plan, which both states and educational institutions can offer. (Only states can offer college savings plans.)

What can 529 plans be used for?

You can use funds from a 529 to attend a college or university or to enroll in post-secondary training — options include graduate schools, community colleges, trade schools, qualified online degree programs, and even many schools outside the U.S. (Here’s a searchable database.) As mentioned above, 529s can also fund tuition at private elementary and secondary schools, up to $ 10,000 per beneficiary per year.

When should I open a 529 plan?

If you’ve decided to go to grad school yourself, the answer is “now.” Regarding a child’s college education, says Yoo, “It’s never too late to get started.” She adds, “I have many friends and clients who worry that they’re supposed to start saving as soon as the child is born. I generally recommend selecting the age-based option that invests the contributions in a mix of stock and bond mutual funds that gradually become more conservatively allocated (e.g., more bonds than stocks) as the child approaches age 18. I like 529 plans that use low-cost, broadly-diversified investments from Vanguard or iShares; the Utah, Arkansas, and Virginia 529 plans are good places to start your research.”

How much can you put into a 529?

The IRS doesn’t set a specific limit for 529 contributions, but the money can’t exceed the beneficiary’s expected qualified education expenses. States have their own maximums; for example, New York allows up to $ 520,000 in contributors for a single beneficiary. If you’re lucky enough to have someone lending a hand as you save for your education (or your child’s), here’s what you should know: The gift tax exclusion for 2018 is $ 15,000 per beneficiary (increased from $ 14,000 for 2017), but that max can go up to $ 75,000 when a single year’s contribution is treated as being made over five years — that’s called “superfunding.” (For a couple who is married and filing jointly and wants to avoid the gift tax, those numbers become $ 30,000 and $ 150,000.)

When can you withdraw the funds?

A 529 isn’t like an IRA — you won’t pay a penalty for withdrawing your money “early,” as long as you put it toward qualified education expenses. However, you need to use funds from a 529 in the same calendar year in which they’re withdrawn. There’s no set deadline to take the money out, either, which is helpful if you decide not to go back to school and are planning on having kids. (See below.)

Can you use the funds for anything else, such as a down payment on a home?

No. If you withdraw money from a 529 for anything other than qualified educational expenses, you’ll have to pay state and federal income tax and an additional 10% federal tax penalty on your earnings.

Can a 529 plan be transferred to someone else?

When you open a 529, you can designate anyone as beneficiary — including yourself, of course. Within a family, you can change a plan’s beneficiary or roll over funds distributed from a 529 plan without tax penalty. For example, if you’ve been saving money in a 529 for grad school and at some point your plans change, you can simply change the beneficiary to your child.

Should I be worried about putting too much money in a 529?

If you’re considering a 529 for yourself, or especially for your child (or a future child), here is Yoo’s advice on what she said is the most common misconception about these plans — that you’ll “lock up” your money:

[Some clients are] concerned about over-funding the 529 plan; perhaps the child will receive a scholarship, or go to a lower-cost state university. If you are fortunate to have saved more than needed in the 529 plan, you have a few options. You could transfer the balance to another family member (e.g., the child’s sibling if applicable, niece/nephew, or even to yourself if you plan on obtaining a graduate degree). Or you can simply withdraw the unused balance, and (1) pay a 10% penalty on the earnings (not the original contribution) for using the funds for non-qualified education expenses, and (2) pay income taxes on the earnings.

Be sure to track your contributions over the years so that you can bifurcate the balance into contributions vs. earnings (e.g. growth) on those contributions. Note that if you withdraw the unused balance because your child received a scholarship, the 10% penalty on the earnings is waived, but you still would have to pay income taxes on the earnings.

Are you considering using 529s to go back to school? Have you used a 529 to fund your own education before (or your partner’s)? If so, how did you choose the plan?

Further reading:

  • What You Should Know About 529 Accounts and Financial Aid [MarketWatch]
  • For Most College Savers, Prepaid 529 Plans Don’t Make the Grade [Morningstar]
  • How to Withdraw Money From a 529 College Savings Plan [Consumer Reports]
  • 529 Contribution Limits [The Balance]
  • The Cost of Going Back to School as an Adult [NYT]

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Why Instagrammers Are Going Wild Over These Debt-Free Coloring Charts

In 2009, Heidi Ifland Nash and her husband were paying off $ 38,000 of debt.

They’d been working on it for several years. At one point, Nash wanted to see tangible progress, so she decided to track their payments on paper with a chart she could color in as they inched toward their goal.

“The very first chart I made was just a big square with lines,” she said, laughing. “I said, ‘This is so boring! I’m gonna put some words on it.’”

She typed the words “debt free” in white text over a black box and added evenly spaced lines from top to bottom. She divided her debt by the number of lines and added the increments to the side. It was the first official Debt Free Chart.

“I was looking for something more inspiring than just the big ugly square that I’d made, and the thermometers just didn’t do it for me,” she said. “[They] just felt like a guilt-based fundraiser.”

Then, she uploaded her chart in the Living Like No One Else forum for people paying off debt. Soon, people started asking for personalized charts.

“I was custom-making everyone’s numbers,” she said. “It didn’t occur to me for months to make ones with just lines and no numbers on the side.”

From there, people asked for different words. First was “car loan.” Other types of loans followed. The first 16 to 20 designs came from requests from the forum.

Nash wanted to make them available to anyone, so she uploaded them to a Blogspot blog in 2010. Then, she forgot about them.

Over the next seven years, Nash had no idea that word of her charts was spreading on social media and Pinterest. People were downloading them constantly.

Why Coloring Can Help You Reach Your Goals

One of Heidi Nash's charts is incorporated in this vision board created by The Penny Hoarder.
Chris Zuppa/The Penny Hoarder.

Studies have shown that envisioning yourself doing something can help you actually accomplish it.

People often make vision boards with pictures of trips they’ll take or the car they’ll upgrade to once their debt is gone. But a vision board celebrates future achievements. It’s just as important during the journey to remind yourself of what you’ve already accomplished.

That’s what Debt Free Charts offer. They make the stale process of paying off debt interactive. Every payment is a celebration of moving one step closer to that vision board goal.

Now, almost a decade after Nash uploaded her first chart, when you search through the #debtfreecommunity on Instagram, it won’t take you long to find photos of brightly colored pages with the words “credit card,” “student loan” or “emergency fund.”

“It’s a great visual motivator to keep going,” said Michelle Brady, who’s using the car fund, credit cards and savings challenge charts.

How Debt Free Charts Got a New Life

One of Heidi Nash's charts is incorporated in this vision board created by The Penny Hoarder.
Chris Zuppa/The Penny Hoarder.

In December 2017, Nash got a chart request. It was the first in a while.

She had become debt-free and gone on to home-school her kids while trying various entrepreneurial ventures in the years since she’d uploaded the charts.

After checking her blog, Nash realized the file storage system and a lot of the links to charts weren’t working. So she moved the charts their own website.

She got the idea to post pictures of people with their charts. She knew some YouTubers had filled out the charts, but she didn’t know what to expect beyond that.

What she found were hundreds of pictures on Instagram with the hashtag #debtfreecharts.

“It’s kinda taken on a life of its own,” Nash said. “It’s doing things I never expected it to do.”

Nash never expected her first Debt Free Chart would turn into the more than 80 she has on her website now. Most cost $ 1, but 20 are free.

At $ 1 each, she isn’t looking to get rich on chart sales. She wants to break even for the cost of running the website. She’d rather use the popularity of the charts to give more away for free.

Nash’s goal is to give out 150,000 free charts in 2018 — and she’s already 50,000 charts toward her goal.

Which ones are her favorites? She loves seeing people post their finished starter emergency fund charts.

“It’s such a ‘Wow, I can do this’ moment for people when they fill that one out,” she said.

Another favorite is the adoption fund chart.

She’s also starting to run challenges to help people meet their savings goals faster. She wants to create a sense of community among those paying off debt.

“You see their joy and relief, and you see the pride in the work that they’ve done to pay off the debt,” Nash said. “It’s something I never expected to feel.”

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

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

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


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Who’s Going To Die On ‘Empire’ Season 5?

Season 5 of Empire is taking viewers six months into the future of the House of Lyon, where someone is poised to die, “And it will have deep ramifications,” showrunner Brett Mahoney previously told TV Guide. “Hopefully it will feel satisfying and significant.”

In a flash-forward, Lucious Lyon (Terrence Howard) is seen tearfully standing over a closed coffin mourning the loss of someone whose identity has yet to be revealed.

 

As the season unfolds, Mahoney says fans will see additional clues about who has a date with death.

Instagram Photo

“In the world that Empire has created, it’s a world where there are life and death stakes and where death can happen to a Lyon,” added Mahoney.

While viewers wait for the identity to be revealed, here’s who tvguide.com thinks will end up in that mysterious grey coffin and why… see below.

Cookie Lyon
Lucious’ pained expression suggests that whoever is in that coffin meant a lot to him and as his ride-or-die wife, Cookie certainly fits the bill. The loss of the Lyon family matriarch would be devastating but it’s not like Empire hasn’t toyed with the idea of her death before. Last season, Cookie suffered a mild heart attack that scared her family into getting their act together and she ultimately recovered.

And while it seems unfathomable that the show would ever part ways with its animal print-wearing verbal assassin, showrunner Brett Mahoney previously told TV Guide that he’s not afraid to kill off a member of the Lyon family, meaning that no one–not even Cookie–is safe in the world of Empire.

Hakeem Lyon
Hakeem (Bryshere “Yazz” Gray) survived a traumatic shooting in the Season 4 finale that resulted in him losing a part of his lung. While the injury has significantly hindered his breathing, thus altering the youngest Lyon’s ability to rap, he seems otherwise stable.

However, Becky (Gabourey Sidibe) telling Lucious “No one could have known” in the flash-forward hints at an unexpected death. Given that Hakeem is still suffering the side effects of the shooting and he’s not exactly taking care of himself, it’s possible that his condition could worsen ultimately lead to his death. Stranger things have happened on the show.

No One
What if Lucious isn’t mourning the loss of a person, but rather his old life? In one of those ominous flash-forwards, the FBI shows up at the end of the deceased’s funeral demanding to speak with him. Given Lucious’ extensive list of enemies and his willingness to do whatever it takes to rebuild his fallen empire, it’s not surprising that he would ruffle the wrong feathers and cost his family everything, including their old identities. Lucious might be too proud to snitch but that doesn’t mean he wouldn’t fake the death of a loved one in order to protect them.

Who do you think is in the casket? 

Empire airs Wednesdays at 8/7c on Fox.

PHOTO: Fox promo


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This Is Us’ Laura Niemi on Her Return as Jack’s Mom: ‘I Knew Her Journey Was Going to Be Tough’

Laura Niemi is opening up about her big return to This Is Us.

Niemi, who plays Jack Pearson’s (Milo Ventimiglia) mother, Marilyn, says her character’s journey as a working class woman who finds herself in an abusive relationship was difficult to play on an emotional level — but was familiar on a personal level.

“I tapped into some personal experience,” Niemi exclusively tells PEOPLE of how she prepared for the role. “I was in a relationship that was pretty toxic and just wanting to be able to get out and not having a voice. I was just in a dark place — I think a place a lot of woman have been in. I could relate to wearing those shoes when it came to Marilyn’s marriage to Stanley. Also the subject of alcoholism was relatable. I’ve seen what it does and the hostages are taken under that disease. I knew her journey was going to be a tough one.”

As far as Tuesday’s episode goes, Niemi says her “journey of now having two boys” will come into play, and viewers will soon see how the Pearson family dynamic impacts Jack’s life.

“This is a big episode for Jack,” she says. “There’s a lot of reveal on our family history. I think it’s going to be a pretty wonderful episode to be able to see how he became who he is. I think it starts with our parents.”


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TONIGHT! I had a lump in my throat upon first read of this beautiful script by Dan Fogelman and Tim O’Brien and director Ken Olin brought his entire heart. Can’t wait for everyone to see my boys @michaelangarano & @miloanthonyventimiglia shine in this one. Powerful stuff not to be missed. TV at its best❤ (also, as always, I love this man @peteronorati ) . . #thisisus #jackpearson #vietnam #thepearsons #nickypearson #marilypearson #stanleypearson #tv #nbc

A post shared by L a u r a N i e m i (@lauraniemi) on Oct 16, 2018 at 10:03am PDT

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In the season 3 premiere last month, viewers were transported back to the ’70s and found out more about Jack and Rebecca’s first date.

“I always said I was born in the wrong era,” Niemi says about her character’s time travel. “My best friend growing up was my grandmother. This is her generation. I spent New Year’s Eve with my grandparents. I just feel like I’ve always had an older soul and that period of time was such an incredible time. It was wonderful to dive into that period of history.”

And working alongside Ventimiglia has been far from dull.

“I’m on a show that everyone watches ,so people are constantly texting me, ‘What was it like?’ It was fun being able to feel the enthusiasm in my personal life as well,” she says. “Milo is my boy. He’s such a lovely and wonderful man. He makes my job so easy. He’s such a lovable guy and sets the bar so high with this character.”

As for what’s to come this season, the cast previously told PEOPLE that things will begin to fall together come midseason — with the obvious curveballs.

“Episode four is a doozy. We’re going to see a side of Kate we haven’t seen so far. Kate hasn’t felt her feelings deeply and a lot of them are bubbling to the surface. As humans, we don’t always know how to handle them or express them. Sometimes anger is sometimes just sadness masked,” said Chrissy Metz, alluding to Kate’s miscarriage last season as well as Toby’s battle with depression.

This Is Us airs Tuesdays (9 p.m. ET) on NBC.


PEOPLE.com

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Going for gold: Sotheby’s to hold first sale dedicated to precious metal

From a sculpture of model Kate Moss to an elaborate elephant liqueur set, an array of items made with gold will go under the hammer next week in auction house Sotheby’s first ever sale dedicated to the precious metal.


Reuters: Arts

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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.

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

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10.8.18 Retail rewards; not going to college; E sim cards

New loyalty programs are bringing bigger perks to loyal shoppers; Men are forsaking college in bigger numbers; E SIM cards will make switching cell phone carriers much easier in the near future. 

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Kylie Jenner Shows Off Her Freckles as She Declares ‘Stormi’s Mom Has Got It Going on’

Kylie Jenner is showing off her natural features!

On Friday, the 21-year-old beauty mogul posed for a photo with popular makeup vlogger James Charles, proudly flaunting her freckles.

“Bare faced sisters 👼🏻 video coming soon,” Charles, who also highlighted his own freckles, captioned the shot.

In July, Jenner tweeted Charles asking if the two could make a video together in which Charles happily responded, “Yes sister it would be an honor.”

It was also in July that Jenner revealed via Instagram that she is no longer enhancing her lips with fillers in favor of a more natural look.

“I got rid of all my filler,” Jenner responded to a fan who noticed she looked different.


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bare faced sisters 👼🏻 video coming soon

A post shared by James Charles (@jamescharles) on Oct 5, 2018 at 3:53pm PDT

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Shortly after baring her freckles, Jenner uploaded a photo of herself posing on the floor in a pair of black Gucci boots captioned, “Stormis mom has got it going onnnnnn.”

In September, nearly 8 months after giving birth to her daughter Stormi Webster with boyfriend Travis Scott, Jenner opened up about how much her body has changed since welcoming her baby girl.

“Pregnancy completely changed my body at a super young age,” Jenner told Glamour UK for the magazine’s Autumn/Winter 2018 issue. “But I really don’t care.”


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stormis mom has got it goin onnnnnn🖤

A post shared by Kylie (@kyliejenner) on Oct 5, 2018 at 6:08pm PDT

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Jenner also spoke candidly about her post-baby body on her YouTube page in July. “I feel like people think that I bounced back super fast, which I guess I did,” Jenner explained. However, she noted, “People can get the wrong idea on Instagram sometimes.”

RELATED: Kylie Jenner Says ‘Creating Life Was One Of the Most Beautiful Moments Of My Life’

She said alongside best friend Jordyn Woods, “My boobs are … three times the size, which bothers me. I have stretch marks on my boobs. My stomach isn’t the same, my waist isn’t the same, my butt’s bigger, my thighs bigger.”

“And honestly, I’m finding I have to change my style a little because nothing in my closet fits me from before.”


PEOPLE.com

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Sophia to Grace: “I’m Not Going to Church Anymore” | Greenleaf | Oprah Winfrey Network

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Big Wave Season Opens October 1st | Get Ready, It’s Going to Get Wild

WSL PRESS RELEASE

The WSL Big Wave Tour will witness the world’s best big wave surfers charging massive waves at three of the world’s premiere breaks: Mavericks, Jaws, and Nazaré. This is over the edge.

We’re on the lookout for storms that generate HUGE waves – and when they do – the surfers, fans, and a whole lot of cameras fly in from all corners of the world to put on a spectacle unlike any other. Check out the three places we’ll be competing this winter:

  • Mavericks is a heavy wave that breaks so powerfully that it shakes the ground. It’s three, four, sometimes FIVE stories of terrifying ocean.
  • Jaws, originally known as Pe’ahi, is Hawaiian perfection at 10x the size, which means peril for anyone who makes a mistake.
  • Nazaré is a liquid mountain. That’s not a metaphor — it’s consistently where the biggest waves in the world have been ridden.

Get ready to witness something truly incredible. The holding period is now open and runs through March 31, 2019.

The post Big Wave Season Opens October 1st | Get Ready, It’s Going to Get Wild appeared first on .

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