Patrick Wilson, Vera Farmiga Join ‘Annabelle 3’; Here’s Everything We Know

Patrick Wilson, Vera Farmiga Join 'Annabelle 3'; Here's Everything We Know

We were first introduced to a diabolical doll named Annabelle in The Conjuring. Patrick Wilson and Vera Farmiga starred as experienced paranormal investigators Ed and Lorraine Warren, who were called upon to help a Rhode Island family in 1971.

The horror thriller was a breakout success, leading to the spin-off feature Annabelle. That film was also quite popular, inspiring a prequel, Annabelle: Creation that explored the doll's origins, as well as a promised third installment in the…

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‘The Curse of La Llorona’ Trailer Introduces the Terrifying “Weeping Woman”; Here’s Everything We Know

'The Curse of La Llorona' Trailer Introduces the Terrifying

Between the Saw series, the Insidious movies and The Conjuring Universe, James Wan has become one of history's greatest horror franchise producers. Now he's shepherding another to theaters, if The Curse of La Llorona proves as successful as all his other brands. There's already been enough confidence in the upcoming feature for Wan to pluck its director for The Conjuring 3. 

The first teaser trailer for La Llorona further promises something to look forward to, especially for…

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Living the Gig Life? You Might Still Need Life Insurance. Here’s How to Get It

There’s a reason you chose this life. Being an independent contractor provides a certain level of freedom. You might set your own hours. Maybe you work from your back porch that overlooks the lake. Perhaps it drives you harder, because when you work more, you’ll earn more.

Whether you’re spending your time behind the wheel as a driver with Uber or Lyft, writing articles on parenting or selling your bookkeeping services, life as an independent contractor comes with some serious benefits… and pitfalls.

Without that steady paycheck, you might also be missing key benefits, such as employer-sponsored insurance. Perhaps you’ve already thought about your medical coverage and dealt with it. Kudos.

But what about term life insurance? You know, the insurance that takes care of your loved ones if something should happen to you? Do you need it? How do you get it? How much do you need?

Here’s the scoop.

Do You Need Life Insurance?

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Life insurance is something you buy to help protect your family. You don’t want to think about it, but what would happen if your were to die tomorrow? Could your family get by without your income? Would they have enough for the mortgage? Who would pay the funeral costs?

If you’re making a decent income and have family that depends on you to help pay the bills and put food on the table, you probably should have life insurance. Not sure if you need it? Here are some examples of people who do and do not need life insurance policies.

How Much Is Enough?

DJ playing music
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How much insurance you need depends on who is depending on you and how many bills and obligations you leave behind. Do you have kids? If so, you want to think about their future, including college. How about a house with a mortgage? Are you a business owner? There are a lot of questions to consider when taking out a policy.

Here’s the good news: Life insurance is probably cheaper than you think. A whopping 44% of millennials believe the cost of life insurance to be more than it is… five times more, according to a 2018 Insurance Barometer Survey by LIMRA.

Folks, protecting your family with life insurance simply isn’t as expensive as you think.

How to Find Affordable Life Insurance

Architect building model
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But what if you don’t have employer-sponsored coverage? As an independent contractor, you won’t be able to have that benefit simply taken out of your paycheck, but that doesn’t mean you can’t easily find a good policy that fits your life.

A company like Policygenius offers you an easy way for anyone to compare and buy life insurance. The search engine allows you to compare policies and get instant quotes. Once you find the right fit, you can apply right online.

If you’re young and mostly healthy, consider purchasing term life insurance online from Ethos. It partners with a major A-rated life insurance carrier to provide policies for a low price. For example, $ 30 a month could get your family $ 1 million of coverage.

Anyone, including independent contractors, can secure term life insurance through Ethos without a medical exam or extensive paperwork; just fill out a digital application.

You don’t need employer-sponsored life insurance; you just need to take a few minutes to jump online and find a policy that will work for you and yours.

Love Your Freelance Life, But Protect It As Well

A band performing live
recep-bg/Getty Images

You don’t have to give up your independent contractor life to get 9-to-5 style benefits. It’s 2018, and there are more options than ever.

Go ahead; keep working from your back porch or your car. Just take a few moments to look into life insurance so, if the unthinkable should happen, your family will be protected. You won’t even need to put on shoes and pants to do it.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. Catch him on Twitter at @Tyomoth.

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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Idris Elba to Play Another Villain in ‘Cats’; Here’s Everything We Know

Idris Elba to Play Another Villain in 'Cats'; Here's Everything We Know

Broadway fans who also love movies have a lot to anticipate. Not only has Lin-Manuel Miranda set his directorial debut with an adaptation of Jonathan Larson's autobiographical show Tick, Tick…Boom!, but there is also finally a Cats movie on its way. Andrew Lloyd Webber's long-running musical was announced for the big screen back in 2016; the movie is now gearing up with a cast list.

The latest comes from Variety, which reports Idris Elba is in final negotiations to join the…

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Disney’s Live-Action ‘Aladdin’ Conjures Up a Trailer; Here’s Everything We Know

Disney's Live-Action 'Aladdin' Conjures Up a Trailer; Here's Everything We Know

Disney's live-action adaptations of their animated classics are serious business. Even this year's Christopher Robin quietly grossed more than $ 180 million worldwide. There are many more to come, including four features arriving in 2019 alone: Dumbo, Aladdin, The Lion King and Lady and the Tramp, the last of which hits the new streaming service Disney Play later in the year. 

Aladdin is sure to be huge, as the 1992 animated version is considered a favorite among all Disney's…

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Today Is National Dessert Day. Here’s Where to Get Free Sweets

Halloween is still a couple of weeks away, but if you’re looking to accelerate your tooth decay early, October 14 is National Dessert Day. And as with any good food holiday, plenty of restaurants are hoping to lure you in with Dessert Day deals.

Many major chains are jumping on the coattails of the “holiday,” mainly as a tool to nudge customers into downloading their app or spend more on a meal. But if you’re planning to eat out anyway, there’s no reason not to take advantage of the National Dessert Day offers.

Here are some of the freebies you’ll find at national chains today.

Baskin-Robbins

Get a free regular sized scoop when you download the company’s app

Carvel

Join the Fudgie Fanatics club and you’ll get a free sundae when you buy one.

Cinnabon

Get a free Minibon cinnamon roll when you sign up for emails from the chain.

Coco’s Bakery

Join the eClub and get a free slice of pie.

Dairy Queen

Download the app and you’ll get a free small Blizzard.

Krispy Kreme

A free doughnut awaits when you sign up for the Simple & Sweet rewards program

Marble Slab Creamery

Want free ice cream? Join the company’s rewards program.

Mrs. Fields

The cookie chain isn’t giving away freebies, but you can get 15% off of online orders the entire month.

Quiznos

Buy a sub on Sunday and you’ll get a free dessert thrown in

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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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The Stock Market Cleaned Out Billionaires Over the Past Week. Here’s Who Lost the Most

Billionaires have won big in the long-running bull market that may be teetering on the edge of ending. But they’re also set to lose big. Over the past week, the world’s wealthiest have collectively dropped about $ 50 billion in estimated net worth.

What’s $ 50 billion among the world’s uber-rich? Enough to leave a mark, that’s for sure, but they aren’t hurting for cash–yet. For perspective though, in addition to being the amount of evaporating wealth, $ 50 billion is also the amount of the U.S. trade deficit in July, the first round of Trump’s tariffs against China, and the market value of Target–with $ 5 billion to spare.

So how exactly has the stock market selloff impacted the net worth of world’s richest people? Here’s who took the biggest bath this week, and how much it cost them:

Jeff Bezos (-$ 15 billion)

Amazon’s founder, the world’s richest person, stood to lose the most. And that he did. Jeff Bezos’ net worth dropped from $ 161 billion a week ago down to $ 140 billion on Thursday. That still puts him standing arms akimbo on top of the heap of lesser billionaires, but his company’s focus on consumer goods, which could be further affected by import tariffs and trade wars, could push him closer to more diversified super rich.

Bernard Arnault (-$ 5.9 billion)

Arnault is the longtime chairman and chief executive of LVMH (Mo?t Hennessy Louis Vuitton SE), the world’s largest luxury goods company. He’s also the richest person in Europe, and accordingly, his net worth went down with the crash, from $ 73.5 billion to $ 67.6 billion. At one point, he was down to $ 66.9 billion, but his portfolio seems to be rebounding already.

Warren Buffet (-$ 5.4 billion)

Even the Oracle of Omaha couldn’t predict the market volatility of this past week. Buffet initially saw gains from the $ 90 billion he started with a week ago, climbing to $ 92 billion by Oct. 9. But ultimately, he came crashing down, finishing Oct. 11 with an estimated $ 84.6 billion

Pony Ma (-$ 4 billion)

The China-based Tencent is one of the world’s largest Internet companies, and Pony Ma (Ma Huateng) is the founder, chairman, and chief executive, and maintains extensive holdings in the company. While Tencent dominates Chinese gaming, chat, investment, and other arenas, the global stock pullback pushed his net worth from $ 32 billion down to $ 28 billion.

Bill Gates (-$ 3.9 billion)

Microsoft co-founder Bill Gates has shifted out of the fast-paced life of a technology dominator into the role of public-health and education philanthropist. But despite regular transfers of wealth to the Bill and Melinda Gates Foundation, he doesn’t find himself pulling his pockets inside out for change. Gates, the second-richest person in the world, saw his worth drop from $ 98.7 billion to $ 94.80 billion in the last week.

Larry Page (-$ 3.8 billion)

Google co-founder Larry Page remains actively involved in the management of Alphabet, the holding company of Google and other ventures, has been buffeted lately by concerns about the company navigating forward with a reported China-targeted search engine acceptable that country’s censors, and military-contracting work. Page’s net worth dropped from $ 57.10 to $ 53.30 billion since Oct. 4.

Fran?ois Pinault (-$ 3.8 billion)

Fran?ois Pinault, among France’s richest people and the head of one of the nation’s wealthiest families, is the 82-year-old self-made billionaire behind Kering, which owns a large array of luxury-goods brands, like Gucci, LVMH, and Yves Saint Laurent. He also personally owns Christie’s, the long-established auction house. His portfolio slumped from $ 32.4 billion to $ 28.6 billion.

Sergey Brin (-$ 3.6 billion)

Google’s other co-founder has similar holdings and suffered similar losses as his partner, Larry Page, with Sergey Brin dropping from a reported $ 55.6 billion to $ 52 billion.

Frank Wang (-$ 2.54 billion)

Frank Wang may seem like an outlier and a relative unknown in this list, with a net worth estimated on Oct. 11 of just $ 6.74 billion. But he’s also one of the biggest net losers, dropping from $ 9.28 billion in the last week. Wang’s holdings are tied up in DJI, the biggest maker of commercial and civilian drones in the world, and a company he founded in 2006. As a privately held company, estimates of his net worth over the short term may be more volatile, but DJI has a high degree of exposure to Trump’s trade wars with China from several angles, including the cost of raw goods globally and import tariffs imposed on the lucrative American market potentially reducing revenue.

Steve Ballmer (-$ 2.4 billion)

Bill Gates’s earliest lieutenant, Ballmer took over Microsoft for several years and missed out on the mobile revolution. Forced from the company, he’s found solace in $ 40.1 billion of personal wealth, down from $ 42.50 billion a week ago–and his ownership of the Los Angeles Clippers NBA basketball team.

Mark Zuckerberg (-$ 2.1 billion)

Despite the many investigations, disclosures, and security problems Facebook has faced in recent months, Mark Zuckerberg saw the least losses among his dot-com peers. He was worth $ 62.9 billion a week ago, and now $ 60.8 billion.

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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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First ‘Pet Sematary’ Trailer Eerily Resurrects a Classic; Here’s Everything We Know

First 'Pet Sematary' Trailer Eerily Resurrects a Classic; Here's Everything We Know

Paramount has been developing a remake of Pet Sematary since 2011, but the massive success of It has Hollywood scrambling to catch the heat of Stephen King mania. The favor for the author's work has already continued into Netflix's Gerald's Game and 1922. Now we're looking at a new adaptation of Pet Sematary coming soon to theaters.

With just under six months left until the remake arrives, Paramount has released the first…

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James Gunn to Write and Maybe Direct ‘Suicide Squad 2’; Here’s Everything We Know

James Gunn to Write and Maybe Direct 'Suicide Squad 2'; Here's Everything We Know

Suicide Squad is one of the highest-grossing of the Worlds of DC movies ($ 747 million worldwide). It's also one of the worst-reviewed of that franchise (28% on Rotten Tomatoes), also known as the DC Extended Universe. The former being more important to the studios, there was no doubt the comic book adaptation, focused on a team of villains gathered to save the world, would get a sequel. Improving upon the original would be a bonus, and doing so would be an easy goal. 

Various…

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New ‘Mortal Engines’ Trailer Released; Here’s Everything We Know

New 'Mortal Engines' Trailer Released; Here's Everything We Know

Universal Pictures has pulled back the curtains on Mortal Engines, a steampunk fantasy film presented by Peter Jackson. Jackson is also responsible for the film’s screenplay alongside writing partners Fran Walsh and Philippa Boyens, the trio behind The Lord of the Rings.

For some filmgoers that will be enough to go on, but the movie has just released another action-packed trailer to entice anyone in doubt. You can watch that new spot, which made its debut at New York Comic-Con, down…

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Patty Jenkins Might Direct Margot Robbie in ‘Barbie’; Here’s Everything We Know

Patty Jenkins Might Direct Margot Robbie in 'Barbie'; Here's Everything We Know

Barbie is finally ready to hit the big screen. Yes, we've seen plans for a movie based on the iconic doll for a few years now, including incarnations that were to star Amy Schumer (cast in 2016) and Anne Hathaway (cast in 2017), but the latest development sounds more promising than ever.

Firstly, according to The Hollywood Reporter, there is an update on the studio that's working with Mattel on the project. Warner Bros. has taken over from Sony, which let its deal for a…

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Here’s where the jobs are — in one chart

The professional and business services industry led job gains for the month of September, besting laggards like the leisure and hospitality sector, according to the latest government jobs report.
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Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

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Powerball, Mega Millions jackpots now total $752 million: Here’s a spending plan if you win big

While a sudden windfall can seem like an unlimited amount of money, protecting your newfound wealth involves managing how much you spend.
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‘Aquaman’ Debuts Spectacular First Video; Here’s Everything We Know

'Aquaman' Debuts Spectacular First Video; Here's Everything We Know

The upcoming DC superhero movie Aquaman will feature Jason Momoa reprising his role as the title character, last seen in Justice League (above). Based on some exciting images of the movie, our impression has been that Aquaman will be a different kind of superhero movie from anything we've ever seen before, even from the DC Extended Universe

Now an extended video has been released, with more than five minutes of footage. It shows the film's epic scope and features…

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Final ‘Overlord’ Trailer Reveals Unexpected Wartime Terrors; Here’s Everything We Know

Final 'Overlord' Trailer Reveals Unexpected Wartime Terrors; Here's Everything We Know

 

The first R-rated release from J.J. Abrams' production company Bad Robot, best known lately for surprise deliveries of Cloverfield movies, is Overlord, a film set during World War II. When we first heard about it, speculation ran rampant that it tied into the Cloverfield universe somehow, but instead it appears to be a completely stand-alone movie, albeit one with plenty of footage that justifies its rating. 

 

The final trailer has now been released. It starts…

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Here’s everything coming from Fenty Beauty’s #CHILLOWT Holiday collection, so start saving your coins now

Here’s everything coming from Fenty Beauty’s #CHILLOWT Holiday collection, so start saving your coins now


Here’s everything coming from Fenty Beauty’s #CHILLOWT Holiday collection, so start saving your coins now

We haven’t even gotten through October and Rihanna already has us super excited for the holidays. In case you totally missed it, Fenty Beauty teased its holiday collection earlier this week. Now, the full #CHILLOWT collection has been revealed in its entirety and contrary to the name, it’s hot AF. In addition to the Killawatt Freestyle Highlighting Palette, Fenty’s icy hot metallic collection will include three eye + lip trios, seven loose color pigments, brand-new Mattemoiselle lipsticks, and so much more. #CHILLOWT is set to hit Sephora, Harvey Nichols, and Fenty.com on October 12th, so put some money to the side now before you regret it later.

If you didn’t take our advice the first time around, now’s the time to gather some extra coins for Fenty. There’s so much to want from this collection, it’s pointless asking Santa for anything else.

Here’s everything coming from Fenty Beauty’s#CHILLOWT holiday collection.

Killawatt Foil Freestyle Highlighting Palette, $ 54

The same cream-to-powder formula that you know and love, but in shades that will heat up your look in the dead of the winter.  

Metallic Eye + Lip Crayon Trios in #FrostHunny, $ 39 

These multi-tasking metallic crayons have endless possibilities and will spice up your holiday makeup. Use them as liner, shadow, lipstick or whatever else your little heart desires.

Metallic Eye + Lip Crayon Trios in #FrostMoney, $ 39

If you like to keep it cool, #FrostMoney is the cool version of #FrostHunny. As per usual, Fenty’s got you.

And there’s even more.

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2/2 OMGGGG!!!!!! 🙀✨🙀✨🚨Here is the FULL #Holidays2018 #Collection ✨❄ @fentybeauty ✨includes: 1. Mini #FairyBomb $ 20 Each in: Candy Sparks – glimmering iridescent pink 2. #KillawattFoilFreestyle Highlighter Palette $ 54 3. Metallic #Eye + #Lip #Crayon $ 39 creamy, metallic crayons for both eyes and lips in: Frost Bunny – Banana Frost, Parka Princess, Guava Mint Frost Money – $ lu$ h Fund, Igloo Bloo, Smokin' Purp Frost Hunny – Sunfrost, Ice Dunes, Pretty Penny 4. Frosted Metal #Lipstick $ 36 creamy, metallic lipsticks: Snow Nights – No Chill, Frost Sauce, Fog Snog Snow Daze – Cuffing Season, What's Your Numb'a, So Chilli 5. Two Lil #Mattemoiselles – Chill Owt Edition $ 19 Griselda / Spanked – bold burgundy/ dusty rose 6. Mattemoiselle 10/10 #Set !! 👀🙀 10 all-new, full-size Mattemoiselle Plush Matte Lipsticks $ 149: Violet Fury – vivid violet Pumpkin Rose -rich marigold Flamingo Acid – bright berry Dragon Mami – tropical papaya I Quit – true mink F'n Black – navy black Turks & Caicos – deep teal Ballerina Blackout -loud bubblegum Thicc – sultry mauve Tiger Tini – exotic orange 7. #MatchStix By The Dozen $ 129 12 mini shimmer sticks (5 bestsellers + 7 new shades): Bordeaux Brat – radiant berry Champagne Heist – glittering champagne Starstruck – iced-out pearl Yacht Lyfe – glimmering peach-pink Ridiiic – golden papaya Confetti – iridescent purple Pink Lemonade – glimmering pink Hibi$ Cu$ -shimmering grapefruit Beach Bum -radiant peach Blonde -glimmering gold Cognac -gilded chestnut Platinum Pearl -iced-out platinum 8. Avalanche All-Over #MetallicPowder Set $ 99 includes 7 loose, metallic pigments for eyes, cheeks, and lips in: February -metallic violet Cleopatra -metallic green-gold Foxy -metallic terracotta Raspberry Rave -metallic berry Brain Freeze -metallic gunmetal Ice Cream -metallic gold Glacier Gang -metallic blue . . Will be available ➡ globally on OCTOBER 12TH on their website @sephora, @harveynichols, and #SephorainJCP worldwide! Note: the palette available now @sephoraaus and @sephoranz, online & in stores . . . . #Holidays2018 ✨❄Are you ready for it? 😍 XO #TRENDMOOD @badgalriri #fenty #fentybeauty #sephora

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Fenty hasn’t put up any official swatches yet, but according to TrendMood (who always has the scoop) and Sephora’s website, there will be one additional Eye + Lip Trip in #FrostBunny, as well as a set of 10 brand-new Mattemoiselle lipsticks, a mini Fairy Bomb, and a set of 12 Matchstix that include five bestsellers and seven new shades.

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1/2 OMGGGG!!!! L👀K! At these sets!! 🙀✨🙀✨🚨Here is the FULL #Holidays2018 #Collection ✨❄ @fentybeauty ✨includes: 1. Mini #FairyBomb $ 20 Each in: Candy Sparks – glimmering iridescent pink 2. #KillawattFoilFreestyle Highlighter Palette $ 54 3. Metallic #Eye + #Lip #Crayon $ 39 creamy, metallic crayons for both eyes and lips in: Frost Bunny – Banana Frost, Parka Princess, Guava Mint Frost Money – $ lu$ h Fund, Igloo Bloo, Smokin' Purp Frost Hunny – Sunfrost, Ice Dunes, Pretty Penny 4. Frosted Metal #Lipstick $ 36 creamy, metallic lipsticks: Snow Nights – No Chill, Frost Sauce, Fog Snog Snow Daze – Cuffing Season, What's Your Numb'a, So Chilli 5. Two Lil #Mattemoiselles – Chill Owt Edition $ 19 Griselda / Spanked – bold burgundy/ dusty rose 6. Mattemoiselle 10/10 #Set !! 👀🙀 10 all-new, full-size Mattemoiselle Plush Matte Lipsticks $ 149: Violet Fury – vivid violet Pumpkin Rose -rich marigold Flamingo Acid – bright berry Dragon Mami – tropical papaya I Quit – true mink F'n Black – navy black Turks & Caicos – deep teal Ballerina Blackout -loud bubblegum Thicc – sultry mauve Tiger Tini – exotic orange 7. #MatchStix By The Dozen $ 129 12 mini shimmer sticks (5 bestsellers + 7 new shades): Bordeaux Brat – radiant berry Champagne Heist – glittering champagne Starstruck – iced-out pearl Yacht Lyfe – glimmering peach-pink Ridiiic – golden papaya Confetti – iridescent purple Pink Lemonade – glimmering pink Hibi$ Cu$ -shimmering grapefruit Beach Bum -radiant peach Blonde -glimmering gold Cognac -gilded chestnut Platinum Pearl -iced-out platinum 8. Avalanche All-Over #MetallicPowder Set $ 99 includes 7 loose, metallic pigments for eyes, cheeks, and lips in: February -metallic violet Cleopatra -metallic green-gold Foxy -metallic terracotta Raspberry Rave -metallic berry Brain Freeze -metallic gunmetal Ice Cream -metallic gold Glacier Gang -metallic blue . . Will be available ➡ globally on OCTOBER 12TH on their website @sephora, @harveynichols, and #SephorainJCP worldwide! Note: the palette available now @sephoraaus and @sephoranz, online & in stores . . . . #Holidays2018 ✨❄Are you ready for it? 😍 XO #TRENDMOOD @badgalriri #fenty #fentybeauty #sephora

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We’re gonna go broke, Rih! Early Christmas present, anyone?

The post Here’s everything coming from Fenty Beauty’s #CHILLOWT Holiday collection, so start saving your coins now appeared first on HelloGiggles.

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Rosie Perez Joins ‘Birds of Prey’; Here’s What We Know

Rosie Perez Joins 'Birds of Prey'; Here's What We Know

Margot Robbie will reprise her Suicide Squad role as Harley Quinn in the upcoming Birds of Prey; she will also serve as a producer. Her character was very much her own woman; smart, strong and sassy, she did whatever she felt was best for herself in any particular moment. So it should be exciting to see her lead the way in a project that's been described as a "girl gang movie."

Rosie Perez (in Pineapple Express, above) leads the latest casting news, landing an intriguing role…

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See Christian Bale Transform Into Dick Cheney in ‘Vice’ Trailer; Here’s Everything We Know

See Christian Bale Transform Into Dick Cheney in 'Vice' Trailer; Here's Everything We Know

Whether you're intrigued about the life of Dick Cheney or you just want to see Christian Bale's chameleonic performance as the former Vice President, Vice is a going to be a hot ticket this Christmas. The biopic is also sure to be a big awards contender, though all its attention is sure to be as politically divisive as Oliver Stone's W. was 10 years ago. 

The first poster and trailer for Vice has arrived, and now we can see just how unrecognizable and magnificent…

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‘Wonder Woman’ Star Gal Gadot Joins ‘Death on the Nile’; Here’s Everything We Know

'Wonder Woman' Star Gal Gadot Joins 'Death on the Nile'; Here's Everything We Know

The global success of last year's Murder on the Orient Express has led to Fox's greenlight of a sequel, which will be based on another Agatha Christie novel, Death on the Nile. This isn't much of a surprise, as the ending of Murder featured Kenneth Branagh's Detective Poirot receiving word of a new case involving a death on the Nile in Egypt. 

Similar to the previous movie, Death on the Nile is set to have a star-studded ensemble. The first of which has just been…

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Watch Taron Egerton as Elton John in First ‘Rocketman’ Teaser; Here’s Everything We Know

Watch Taron Egerton as Elton John in First 'Rocketman' Teaser; Here's Everything We Know

Taron Egerton has worked with Sir Elton John in the Kingsman movies and now he'll play the music icon in a biopic. Rocketman will be a fantastical take on the life of the singer known for such tunes as "Your Song," "Goodbye Yellow Brick Road," the Lion King hit "Can You Feel the Love Tonight" and the biopic's title number, "Rocketman."

This week, we got our first look at Egerton in the role (above), sporting Elton John's stylish…

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Should You Buy a Low-Cost Health Insurance Policy? Here’s What to Consider

Starting today, Americans can buy lower-cost health insurance policies that can stay in effect for as long as three years — up from the previous three-month limit.

But while the savings in premiums will be attractive to some, critics warn the old adage applies: “You get what you pay for.”

“As the bills from hospitals and other providers start to pile up, many of these folks… would come to realize they’re not really insured at all,” the Georgetown University’s Center for Children and Families says. “For the individuals enrolled in these plans, the devastating financial consequences could be real and long term.”

Limitations of Short-Term Health Insurance Policies

The plans are cheaper — as much as one-third cheaper in some cases, according to the Department of Health and Human Services — than those that comply with the Affordable Care Act, which has required coverages. The average monthly premium for one person in late 2016 was about $ 124 compared with $ 393 for an unsubsidized plan that complied with the Affordable Care Act, according to the department.

But many lower-cost plans don’t cover services such as mental-health or substance-abuse treatment or prescription drug coverage, according to a Kaiser Family Foundation analysis.

And none covers maternity care, the same study found. A regular birth costs about $ 32,000 and a cesarean section about $ 51,000, according to a 2013 Truven Health Analytics study of women with health insurance.

Also generally excluded are people with pre-existing medical conditions, who are required to be covered under policies that comply with the Affordable Care Act. An estimated 133 million Americans have a pre-existing condition, according to the Department of Health and Human Services.

Why Are Short-Term Health Insurance Policies Being Expanded?

Premiums for Affordable Care Act coverage went up about 21% in 2017, putting them out of financial reach for some people — especially those whose earnings are not low enough to qualify for a subsidy under the act, according to the Centers for Medicare & Medicaid Services.

The Department of Health and Human Services this summer announced that it would allow the lower-cost plans to be purchased for up to a year of coverage and renewed for two years.

The policies originally were limited to less than three months and intended as a stopgap for people who didn’t have health insurance through their employers.

Which Consumers Might Benefit From Short-Term Policies?

They work best for those who are generally healthy, because insurers can drop anyone who becomes sick, according to the Georgetown University Center on Health Insurance Reforms.

The reason the short-term policies are less expensive — the cost varies from state to state — is that they don’t have to meet the requirements of the Affordable Care Act, also known as Obamacare.

That means they can exclude benefits such as emergency services, hospitalization, rehabilitative services and devices, laboratory services, preventive care, chronic disease management, contraceptives, breastfeeding supplies, counseling and pediatric services.

There’s no easy way to determine what services are covered because plans vary widely, as do deductibles, copayments, and caps.

Other possible pitfalls:

  • The Department of Health and Human Services warns consumers that they won’t automatically be eligible to buy insurance through the Affordable Care Act if their short-term policy ends before the open enrollment period begins and they decide not to renew or are dropped by their insurer.
  • Short-term policies don’t meet the requirements to maintain health insurance under the Affordable Care Act, making consumers who buy them potentially liable in 2018 for a penalty of $ 695 per adult and $ 347.50 per child — or 2.5% of household income, whichever is greater. The penalty goes away starting in 2019.
  • Short-term policies generally have limits on the amount paid for services and caps on lifetime payouts. Patients may have to pick up the sometimes-substantial difference between what the insurer pays and what the provider charges.
  • Policyholders can be charged more based on age, sex and health.

The bottom line: These policies may be beneficial to some. But it’s critical to read all disclosures before signing up to avoid finding out later that you don’t have coverage for something you need. What’s cheap up front could end up costing you dearly later.

In short: caveat emptor.

Susan Jacobson is an editor at The Penny Hoarder.

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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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Here’s Exactly Why ‘Venom’ Has a PG-13 Rating

Initially, the announcement of Venom’s PG-13 rating seemed a cause for concern among fans of the darker, more sinister Marvel character. Citing the recent success of grittier R-rated hero movies like Logan and Deadpool, fans questioned what the lighter rating would mean: Would a PG-13 rating mean a weaker, watered down version of Eddie Brock/Venom? Was the rating an attempt to entice Disney into letting squeaky clean Marvel teen Peter Parker possibly play in Venom’s sandbox? FANDOM spoke with Venom director Ruben Fleischer ahead of the movie’s October 5 release date, and here’s what he had to say.

No, the PG-13 rating is not about Spider-Man


Spider-Man, hammock, Venom

Fleischer confirmed that Venom was “always designed as a PG-13 movie.” But that doesn’t mean Spider-Man is totally out of the picture — and fans aren’t the only ones psyched for the possibility of a superhero crossover. When asked specifically about a possible future appearance by the wall-crawler, Fleischer replied, “Keeping it PG-13 does allow for the possibility of intersecting with other worlds, which is exciting.” Additionally, Fleischer doesn’t think sacrificing an R-rating meant sacrificing action or tone. “We wanted to push it to the hilt,” he said, “which I feel like we did.”

The Dark Knight was a big inspiration behind Venom‘s rating


The Dark Knight, The Joker, Heath Ledger

While the Spider-Man franchise wasn’t a factor in Venom‘s PG-13 rating, another superhero juggernaut was: The Dark Knight. “Our reference point was always The Dark Knight,” Fleischer explained. “If you can put a pen through a guy’s forehead, then you can certainly bite some peoples’ heads off. I don’t feel like Dark Knight made any compromises and I don’t believe that with our film we made any compromises.”

The director is very confident that the brutal action in Venom will be more than enough to fulfill audience expectations for new and old fans alike. It sounds like there will be plenty of skull-snacking, cranium-crunching, face-feasting to go around.

The post Here’s Exactly Why ‘Venom’ Has a PG-13 Rating appeared first on FANDOM.

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