Democrats Keep Rejecting Corporate PAC Money. But Is It Just for Show?

From former NASA astronaut Mark Kelly, who is making a bid for the U.S. Senate, to presidential candidate Elizabeth Warren, the refrain du jour among 2020 Democratic presidential candidates seems to be a pledge to swear off donations from corporate political action committees (PACs). It’s a good sound bite to drop on the campaign trail: rejecting corporate and special interest money. But does it really matter on paper?

Steven Billet, who oversees a master’s program in legislative affairs at George Washington University, says candidates who refuse corporate PAC money are basically “giving the sleeves out of their vest.”

“They are giving up nothing because they wouldn’t have gotten much corporate PAC money,” Billet tells Fortune.

A corporate PAC, a type of PAC that raises money in the name of a company, can contribute up to $ 5,000 to a candidate’s campaign per election. To put this in perspective, an individual donor can donate up to $ 2,800 of personal money, and a couple can give up to $ 5,600. So, if a candidate refuses $ 5,000 from a corporate PAC, they could potentially get the same amount from a private donor.

“Corporate PAC contributions are not a big piece of the pie for major candidates,” says Andrew Mayersohn, a researcher at the Center for Responsive Politics. “There just aren’t enough corporate PACs out there to fund much of an eight-figure senate campaign, let alone a presidential campaign.”

And, according to Mayersohn, corporate PACs specifically “aren’t particularly ideological,” so they tend to give money to incumbents, rather than candidates in open primaries.

“Most corporate PACs don’t make direct contributions to presidential candidates,” he says, “especially when there’s a primary where you don’t know what the outcome will be.”

And even when corporate PACs do give money to a candidate, the sum pales in comparison to other contributions. In the 2016 presidential election, for example, Hillary Clinton raised around $ 250,000 from corporate PACs–constituting less than 0.5% of the total money she raised, data analyst Brendan Glavin told Marketplace. That number was even smaller for then-candidate Donald Trump: $ 26,000 or 0.01% of his total fundraising.

Finding the Loopholes

While corporate PACs might not donate money to a specific candidate who doesn’t want them, they can still donate to a political party. A candidate like Warren could reject the corporate and special interest money, but that doesn’t mean the Democratic Party as a whole will do the same. Money that comes through the party could end up being used to support an individual candidate or to sponsor political events.

But perhaps the easiest workaround is that people who work for corporations can donate on an individual basis, money that many candidates gladly continue to accept. In some cases, candidates may even seek out money from a company’s executives on an individual basis.

Michael Williams, founder of the public policy and communications consulting firm The Williams Group, calls it a “sick irony” that candidates will turn away lobbyist or corporate PAC money, while continuing to accept money from executives at the same companies.

“What’s the difference? If you won’t take a particular bank’s money, but you’ll take the bank executive’s money?” Williams tells Fortune. “Are you really materially changing anything?”

Williams says doing so only perpetuates the myth that money influences policy. If a candidate is completely opposed to an industry, he says, those corporations won’t give them money because they don’t expect money to change a candidate’s position.

“I don’t know anyone who was a ‘no’ on something until they got a contribution and then became a ‘yes,’” he says.

And these private donations tend to add up much more quickly than those from a corporate PAC. Unlike individual contribution limits, which have grown over time, corporate PACs continue to face the $ 5,000 per candidate donation limit–a figure that hasn’t changed since 1974. As such, the total contributions from individuals have skyrocketed as compared to those from PACs.

According to 2017-18 data from OpenSecrets, corporate PAC donations to Democrats totaled $ 149,426,431, while business donations from individuals to Democrats totaled $ 920,808,050–more than six times the total given by PACs.

FEC data for the 2016 presidential election shows that corporate PAC donations to Democratic presidential candidates totaled $ 942,116, and independent expenditures for non-political committees totaled $ 4,582,471.

But not everyone feels rejecting corporate PAC money is misguided. At the very least, the move could be an effective branding strategy.

Brad Smith, a former FEC commissioner and the current chairman of the Institute for Free Speech, a nonprofit that advocates for loosening campaign-finance regulations, calls swearing off corporate PAC money “not meaningless, but a calculation,” and says the advantage of doing so could outweigh the loss of PAC money.

“It might even get them a net increase in contributions if it persuades more individuals to give,” Smith tells Fortune.

What about super PACs?

While not all of the Democratic candidates are aligned in this respect, many of the expected frontrunners–including Bernie Sanders, Kamala Harris, and Elizabeth Warren–have disavowed super PACs. But this is tricky in practice.

Super PACs have only been around since 2010, but unlike other PACs, they can accept unlimited contributions from any non-foreign source and can spend unlimited amounts to influence an election–meaning that their potential power is also limitless.

Yet super PACs are intended to operate independently from a candidate: they are legally prohibited from contributing directly to a candidate or party, meaning that their funds are usually used to run ads for or against particular candidates and issues. As a result, a candidate can say that they don’t support a super PAC operating on their behalf, but in practice, there isn’t all that much they can do to stop it.

“Any candidate who swears he won’t accept super PAC money is either ignorant, or assumes the listener is ignorant,” says Smith. “A candidate cannot ‘refuse’ super PAC support. He can publicly ask a super PAC not to spend in his race, but the super PAC can choose to ignore the plea and spend whatever it wants.”

Such a claim, therefore, amounts to “grandstanding,” he says.

In addition to swearing off super PACs, some candidates–like Julian Castro, Tulsi Gabbard, Beto O’Rourke, and Elizabeth Warren–have sworn off PAC money entirely, meaning they won’t accept money from labor or ideological PACs, either. Gabbard, O’Rourke, and Warren are also joined by Cory Booker, Kirsten Gillibrand, Kamala Harris, and Amy Klobuchar in a pledge to refuse money from lobbyists.

But the pledge that might matter more than the others, according to Mayersohn, is Warren’s. Going a step further than the rest of the crowd, Warren told supporters in a February email that she would not attend high-dollar fundraisers, dinners, or cocktail receptions with donors, in order to provide “equal access.”

Looks like 2020 might become the small dollar donation election, after all.

Fortune

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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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The $1 Menu Is the Quickest Way to Being Broke – 5 Lies That Keep You in Debt

We all have those lies, large and small, we tell ourselves to justify why we do the things that we do. The reality is, however, that every single decision we make is either helping us or hurting us. There really isn’t much grey area there. Whether we choose to acknowledge it or not now, really doesn’t matter. Our long-term financial standing will inevitably show us what we found important during our short-term decision making.

5 Lies That Keep You in Debt

1. I deserve it.

Do you work hard? Of course you do. Do you deserve to indulge every once in awhile?  Maybe. The question is, however, whether a new dress is really worth you staying in debt? Sometimes you may need to ask yourself, “As much as I deserve… don’t I deserve to be debt free even more?”

If you answer,No, I deserve to work my entire adult life and still end up with nothing at the age of retirement,” then continue on. Buy all the dresses you want. Remember It’s the constant conversation you have with yourself to justify unnecessary spending on an ongoing basis that hurts you.

2. But, this is an emergency. . . isn’t it?

Let’s be clear about what emergencies are. Merriam-Webster defines the term emergency as “A serious, unexpected, and often dangerous situation requiring immediate action.” With that being said, dipping into your emergency fund for items that you were fully aware were coming up is not an emergency. It’s important to make every expense a line item on your budget, even those things that are quarterly or annual expenditures such as car registration or dues.

3. It was on sale!

We’ve all fallen for this one at one time or another. The reality is most people are in debt because of stuff. It’s impossible to get out of debt if you are committed to buying more and more stuff instead of truly being financially free.

One way to avoid this trap is to stop walking around the mall and “window shopping” or curtail online shopping. Perhaps it’s time to unsubscribe from tempting emails with the “great deals” in your email box  or texted to you each morning. Instead of convincing yourself that you’re saving, begin to ask yourself, “Do I really need this?”

Remember that buying something you don’t need is never better than saving money for your actual needs.

4. A couple of bucks won’t hurt.

I heard someone say once that the $ 1 menu is the quickest way to being broke. It’s the small charges that add up and inevitably break the bank. I have more clients that get caught up in $ 34 overdraft fees for a quick $ 5 swipe at the gas station than anything else.

Again, it’s important that even with the small purchases, you ask yourself, “Do I really need this?”

5. If I made more money, this would be easier.

No it wouldn’t. Without discipline, you could double your income and still have tons of debt and no savings. Don’t assume that more money is the answer. We’ve all heard of the entertainers, athletes and my favorite, lottery winners, who end up flat broke and in deep debt despite having access to tons of money at one point.

Wealth is about a mindset. No matter what your financial goals are today, get real with yourself.

-Editor’s note: This post was updated from its original publish date in 2012. 

 

The post The $ 1 Menu Is the Quickest Way to Being Broke – 5 Lies That Keep You in Debt appeared first on Black Enterprise.

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Shop select Free People sale and clearance items at Bloomingdales.com!

Grey’s Anatomy Couple Update: Keep Up With the Ever-Changing Love Lives at Grey Sloan Memorial Hospital

Grey's Anatomy If there’s one thing you can be sure of on Grey’s Anatomy, it’s that relationship drama is everywhere.
In just a few episodes, everything can change on that show, especially…

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An hour of activity may keep disability away, new research shows

Losing the ability to move and perform the activities of daily life can lead to a loss of independence and even be deadly, so researchers are focusing on preventing conditions that can lead to disability.


CNN.com – RSS Channel – Health

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Beauty of 5: Angela Bassett Shares Her Go To Beauty Products That Keep Her Looking Youthful

The Paley Center For Media's 2019 PaleyFest LA - '9-1-1'

Source: Jean Baptiste Lacroix / Getty

It’s hard to believe that actress Angela Bassett is 60-years-old. The Black Panther actress always looks so youthful and her body is snatched to the Gods! We had an opportunity to chat with the star about her beauty and skincare routine and she dished was she uses to keep her skin looking youthful. She admitted, “I use a number of things. I try potions and lotions as I call them.” Keep on reading to find out what products Bassett is using to keep her beauty at a premium.

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How To Keep Learning at Work: Tell Us Your Favorite Conferences, Networking Groups and Resources!

stock photo of a filled conference room watching a presentation

Here’s a kind of odd career question for you: what are your best tips for how to keep learning at work and in your career — and what are the best resources you’ve found that fulfill requirements, keep you educated, and maybe go above and beyond, such as providing networking opportunities? This is going to be very career/job specific, so in comments please note what you’ve found that’s really excellent…

For my $ .02, in my prior job as a media lawyer I had attended a lot (and compiled/presented a fair amount) of in-house CLEs that my firm put on for lawyers at the firm and clients of the firm; I was also pretty involved with a yearly Practicing Law Institute tome on prior restraints, so I often attended the conferences around the presentation of those books. There are exceptions to everything, but a lot of those CLEs and mass conferences that I attended were… not good. Lots of droning by presenters… lots of audience members checked out and not even giving 25% of their attention. Then I got the opportunity to go to some other continuing legal education things and was wowed by the difference… (For my $ .02, which is worth even less because I have a long history of working with/for the organization, but still: if you’re interested in media law, the absolute best general conference to attend (and get a ton of CLEs) is the biennial Virginia conference run by the Media Law Resource Center. Great content, really engaged presenters and audience, great opportunities for networking.)

In my current job as a professional blogger, I’m still struggling to find “the best” conference that affords opportunities to network as well as brings me up to date on the things that I need to know. I’ve written before about taking classes like Marie Forleo’s B-School and Elite Blog Academy and recommend those to other newbie bloggers/digital entrepreneurs; I’ve gone to RewardStyle conferences in the past as well, as well as a ton of Fashion 2.0 events back in the day. I’ve looked into but haven’t pulled the trigger on things like Ali Brown’s Iconic conference or things like that; I’d love to find a mastermind group but ultimately know what I need to do and just need to find the time to do it.

Over to you, readers — what are the best resources you’ve found to keep learning in your career? What conferences and networking groups offer the best of the best educational and networking opportunities for you in your chosen career? 

Stock photo via Stencil.

The post How To Keep Learning at Work: Tell Us Your Favorite Conferences, Networking Groups and Resources! appeared first on Corporette.com.

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Why Abortion Defenders Keep Showing Up at Clinics That Want Them to Stay Away

Erin Sheridan

On a recent Wednesday, protesters gathered outside the Planned Parenthood in Madison, Wisconsin, for more than an hour; chanting, giving speeches, and occasionally raising their fists in the air. In their hands, they held a hot-pink and white banner reading, “We ❤️Abortion.”

They were members of Madison Abortion Defense, a group whose mission includes countering anti-abortion demonstrators outside clinics. The group is one of at least five similar organizations that have united to form the Movement for Abortion Defense coalition, dedicated to “opposing right-wing, anti-choice protests in the streets” and “reclaiming space and confronting antis at our clinics.”

There’s only one problem: Many of the clinics don’t want their help.

Read more at The Daily Beast.

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‘Teen Mom 2’: Leah Messer’s Daughter, 6, Admitted To The Hospital: ‘Keep Our Girl In Your Prayers’

Despite being hospitalized, Leah Messer revealed that her ‘sick’ daughter, Adalynn Faith, is still cracking everyone up in the ER. But the ‘Teen Mom’ star also got serious as she shared what’s ailing her little one.

Hollywood Life

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Here’s Why You Need To Keep An Eye On These Biotech Stocks

The clinical trial results of a drug company can impact its stock price depending upon the outcome – and more so if it is a small-/mid-cap biopharma stock. A keen understanding of the target timeline of the clinical trials will help trade biotech stocks with some margin of safety around the catalyst events.
RTT – Top Story

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What Clothes Do You Keep at Your Office?

what clothes do you keep at your office 2019

Readers had an interesting threadjack about which women wear suits on a regular basis, and a lot of people noted that they kept an emergency suit (or blazer) in their office. It’s been ages since we talked about what clothes to keep at the office, so let’s revisit — what do you keep at your office for an emergency kit? When have you needed your “emergency” stash of clothes? (Instead of keeping clothes at the office, does anyone plan to make a lunchtime run to a nearby store in case of emergency? Which store?) 

For my $ .02, these are my lists…

Top 5 Clothes Items to Keep in a Business Casual Office

1. Black blazer — Throwing on a black blazer can be a great way to instantly make your look more authoritative. Good options include the reader favorite blazer pictured above or this comfortable knit blazer; if you know you won’t wear it often you can still find great blazers under $ 50. (We’ve also discussed what to look for in a blazer to keep at the office.)

2. An “elevated tee” in a dark, neutral color — great for when you accidentally spill something on your shirt or release belatedly you don’t like the neckline on the shirt you wore to work that day. If your backup shirt is dark you don’t need to worry about what color your bra is. The pretty boatneck tee we recently linked to at J.Crew Factory would be a good option; so would some of the scalloped t-shirts we linked to at Talbots.

3. Sneakers (and socks) — keep an old pair at the office in case of an emergency like a power blackout; they also come in handy if you manage to make it out for a quick walk.

4. A comfortable pair of pants — I’ve pulled these out for a lot of different reasons even in a business casual office, including wanting to be more comfortable for a late night at the office, having to help move office furniture, or suddenly needing to review so much paperwork that it was easier to put it on the floor and spread out. (Psst: if you know you’re going to be spending a late night at the office, we rounded up the most comfortable workwear to wear for long haul days.)

5. A wrap in your base color, probably black. We’ve talked a ton about the different uses for an office pashmina; but quickly: you can use it to hide a stain, as a lap blanket, an emergency pillow, and more.

Top 3 ADDITIONAL Clothes to Keep in a Conservative Office

1. A more conservative pair of shoes. There have been a ton of trends with boots, wedges, peep toes, and more — but sometimes if you want to make an outfit more conservative you have to start from the bottom up. For my $ .02, in this circumstance I would be more likely to sacrifice fashion for something that reads as “conservative” but is also walkable. (We just rounded up your best bets for comfortable heel brands; obviously neutral flats are also acceptable. If you can’t walk in heels in tights you may want to consider keeping a shoe with a strap at the office.)

2. A suit in a neutral color. Especially important if there’s a chance you may get called into court or other VIP meeting.

3. Pantyhose in a nude-for-you shade. Whether or not pantyhose is “required” wearing tends to be very regional, as well as office- and industry-specific… but if there’s even a 5% chance you’ll really, really need it, it’s better to just keep a box in your desk drawer.

The post What Clothes Do You Keep at Your Office? appeared first on Corporette.com.

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Kandi Burruss Shares Fire Photos With Todd Tucker And Her Dancers From Last Night’s Show – Fans Suggest Her To Keep Todd Out Of ‘Risky Situations’ Because Loyalty Is Hard To Find

Kandi Burruss has been preparing for last night’s show for quite a while. Her beloved hubby, Todd Tucker has also been a part of the rehearsal sessions and Kandi shared a bunch of pics and videos to document everything for her fans.

Kandi’s fans and followers have been laughing their hearts out while watching a recent post. She was with her crew, rehearsing and Todd Tucker joined her.

Now, a few hours ago, Kandi finally shared some pics from the much-awaited show, and some fans were surprised to see Todd on stage as well. He did attend the rehearsal, so this was expected.

‘Charlotte was Lit! 🔥🔥🔥Thanks for the love! I’m stopping by The Tip Off Mega Party later. New venue alert for the party!!! Now it will be at Peculiar Rabbit! 1212 Pecan Ave. Charlotte N.C. —- styled by @therealnoigjeremy, mua- @taetv, hair- @sewjodie. 📸: @hauseofglam,’ Kandi captioned a photo in which she was showing off her fantastic look.

She shared a bunch of other pics from the show and she captioned her post with: ‘Tonight’s show was fun! I gotta send love to my whole team that rocked with me tonight! ❤

Someone told Kandi as a joke (more or less): ‘Putting ur man in a risky situation is not safe anymore….there’s no loyalty anymore….keep ur happiness caged away from preyed eyes 😊

The person was probably hinting at the latest massive drama between the triangle Tristan Thompson – Khloe Kardashian – Jordyn Woods.

Another follower posted ‘Lovin the gram keep it up I was busy is fun showin love to 1 half of the crew.’

Someone else praised Kandi and called her a role model for her fans: ‘You are such a beautiful, positive role model for us all. Continued blessings to you and your family. 💜

Kandi has been spending more time with her family these days which made her fans happy.

Celebrity Insider

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How Much Do You Keep Track of Your Health Stats? (Plus, Kat’s Weird Health Chart!)

how much do you keep track of your health stats

My brother emailed me recently to tell me about a high triglyceride reading (because, he explained, “we share genetics and all,”) and I quickly reviewed all of my triglyceride levels since 2000, based on a chart I started keeping several years ago, as I mentioned in my post on how much I’m kind of obsessed with lists. Then I realized I’d never really shared my health chart and thought, hey, maybe the readers would like to have their own health chart… or maybe they have a better way of tracking health stats — so let’s discuss. Here are the Qs: How much do you keep track of health stats, like all those numbers you get from doctor’s visits (cholesterol, triglycerides, blood pressure, etc)? What level of trust do you have in your doctors to tell you when things are wrong? If you’ve got a big role in someone’s medical care where they have Issues (whether it be yourself, an aging parent or a kiddo) how do you keep track of everything?

I should note that my trust in the medical establishment is severely eroded after I had a pretty horrible patient/customer experience with my first son’s birth — we both came out of it ok but a) I didn’t see my carefully-vetted OB/GYN for the entire time I was in the hospital (despite the fact that her office was across the street and she was even in the hospital for rounds during at least one of the days), b) not being “attached” to a doctor meant that we kind of got totally forgotten about at the hospital, which stunk for reasons I went into more when telling J’s birth story. (I’m really grateful that medically we were both OK, but the whole experience left me really angry with my former doctor, who I haven’t spoken to since the phone call where she told me to head to the hospital.) But my jaded lesson after all that is that I want to be able to assess my own medical issues without expecting/hoping a doctor to go above and beyond and catch something that isn’t obvious. (Ditto for my kids and our aging parents when the time comes for my husband, brother or myself to be more involved in their care.) It isn’t that I don’t trust that they’re competent professionals — but I tend to believe that they’re not your buddy, they’re not “looking out for you” and if you don’t ask them about something or push to be taken seriously the issue might not be found. (Of course there’s a ton of additional reading to be done out there about how doctors don’t listen to women and downplay their health concerns — see these articles in The New York Times and The Atlantic to get you started.) (Just to be tooootally clear here, I am not suggesting that this health chart is any kind of substitute for medical care — I’m just saying I use this chart to track the data I get from the doctor and raise questions if I see disturbing trends over time.) 

Kat's weird health chart to track health stats

Anyway: this is my weird little Excel health chart (you can click the screencapture above to see the chart bigger, or download the Excel doc here if you’d like it for yourself; obviously I’ve removed my own medical data).  The rows are the years, the columns are the various stats I’m tracking; there are comments in each column header for what the stats “should be,” again based on that Real Simple article.  I basically add one line each year and put whatever numbers I get into that row on the chart. The columns are health stats I’m tracking based on an old Real Simple article — I don’t get all of the numbers every year but it is interesting to see how things have changed as I’ve gotten older. I tend to be pretty healthy so personally I just jot a few things down in the Notes column, like if I took any prescription drugs for a limited time (like antiobiotics after strep), if I had any major issues (like tearing my ACL/reconstructing it a few years ago) or if I see something as “the beginning of an issue” (like seeing an orthopedic surgeon last year for what I worried was carpal tunnel and finding out NOPE, it’s just arthritis in my thumb, and getting my first cortisone shot… yay…). 

How about you guys — do you keep track of any of your own health data like blood pressure, triglycerides, etc? (Anyone have any fun apps?) What other little things do you do to educate and empower yourself as a patient? 

Further Reading:

  • Numbers to Live By [Real Simple]
  • 13 Health Stats Every 20-Something Should Know [Greatist]
  • How to Track Everything In Your Life Without Going Crazy [Lifehacker]
  • 9 Health Statistics That Actually Matter – And When You Should Check Them [Men’s Journal]

The post How Much Do You Keep Track of Your Health Stats? (Plus, Kat’s Weird Health Chart!) appeared first on Corporette.com.

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Freelancing? Here are 4 Banks That Can Actually Keep Up With You

Making money as a freelancer is hard enough — but then you have to figure out how to manage it.

With a slew of bank account options out there, it can be difficult to figure out the best place to stash that hard-earned cash, especially if your financial lifestyle is a little less regular than most 9-to-5 workers’.

So we put together this post to compare some of the best bank accounts for freelancers specifically. That way, you can make an informed decision with minimal fine-print reading. (Save the effort for that hustle!)

What Makes a Bank Account Ideal for Freelancers?

Although I certainly can’t speak for all solopreneurs, I’ve earned my living as a full-time freelance writer for the past two years. As such, my ideal banking scenario has been informed by the experiences I’ve had along the way. Before we dive into the comparison, let’s talk about what we’ll compare.

  • Fees: Nobody wants to pay money just to keep their money, especially when you have a variable income.
  • Customer Service: Knowing you’ve got a reliable team on your side when you have questions or concerns is vital.
  • Accessibility: Since freelancers are — at least if my life is any indication — always on the go, I’ll seek out accounts that are tech optimized, with intuitive online banking options and workable mobile apps.
  • Business Account Offerings: On a more freelancer-specific note, we’ll look at business account offerings for each bank, which can be helpful if you decide to incorporate your business or start an LLC.

Help with budgeting and money management will also earn bonus points since everything’s a bit more complicated when you aren’t relying on a regular paycheck.

Now let’s dive in.

1. Axos Bank (Formerly Bank of Internet USA)

Although they’re relatively common today, online-only financial firms were practically unheard of back in 2000, when Axos — formerly Bank of Internet USA — got its start. That makes this bank a great choice for freelancers looking for both tech savviness and security and who want to put their money to work for them.

Axos offers relatively high-yield accounts on both the personal and business sides. Their personal savings account offers up to 1.3% APY, and their business interest checking account earns 0.8% APY. (Compare that to Bank of America’s suite of savings accounts, which start at a measly 0.03% APY and only go up to 0.06% APY for its wealthiest customers.)

Axos also manages fee-free IRAs with low minimum-deposit and account-balance requirements. Both traditional and Roth options are available.

But if you’re married to doing in-person banking, Axos might not be right for you. Although they offer ATM fee reimbursement at specified locations, you won’t be walking into a branch and speaking face to face with a teller.

  • Fees: Several fee-free accounts are available, and most carry low or no minimum balance requirements.
  • Customer service: Phone lines are open for personal-account-related questions 24/7, with the exceptions of Thanksgiving and Christmas. Business customers can reach a rep between 6 a.m. and 6 p.m. PST Monday through Friday.
  • Accessibility: A little tricky. There are no branches, and ATM fees are only reimbursable for certain partner institutions. (Eligible ATMs vary by account type.)
  • Business account options: Plenty, with high interest rates.
  • Mobile-friendliness: Everything’s done online. Mobile apps are available for both iPhone and Android.

2. Simple

A new(er)-fangled online-only bank account, Simple’s mission is to make your money matters more… well, simple. It offers totally fee-free banking, even replacing lost debit cards free of cost. And the checking account earns a patently insane 2.02% APY, which is more than 30 times higher than the national average.

But where Simple really shines is in its host of budgeting tools. You can set savings goals, track (and automatically save for) expenses and know exactly how much is “safe to spend,” all from within the account’s mobile app. All of this is extra juicy when you’ve got to weather the infamous ups and downs of freelancing.

However, like Axos, Simple doesn’t have branches, so in-person banking is out. And if you’re incorporated, sorry: There are no Simple business bank accounts to speak of.

  • Fees: Pretty much as low as you can go. As Simple itself states, “You shouldn’t pay to use your own money.”
  • Customer service: Along with a wide variety of support articles, the customer service phone number is listed prominently on the website.
  • Accessibility: 40,000 ATMs. You can find one near you by clicking here.
  • Business account options: None.
  • Mobile-friendliness: This bank was literally built to be mobile; everything is done through its intuitive app.

3. Chase

If you just can’t stand the thought of stashing your cash in a bank that doesn’t have a physical location, Chase might be the best of the big national players. It regularly offers new subscribers large opening bonuses, carries low minimum deposits and offers a number of ways to waive its already-low maintenance fees.

As a major financial institution, Chase also offers a host of business accounts and tools, including merchant services that make taking credit card payments easy — even if your brand of freelancing has you out in the world and not constantly behind a computer screen, like me. It also offers a discount for those who sign up to use ADP payroll, which could be useful if you go the S-corp route (or have an employee or two).

  • Fees: Personal checking starts at $ 12 per month and business accounts start at $ 15 per month, but both can be waived by meeting account minimums or taking regular direct deposits — which, we know, is not always how the freelance life do.
  • Customer service: You’ve got all the options: email, phone and walking into a branch.
  • Accessibility: If you want physical banking, you’ve got it; Chase has more than 5,100 branches nationwide.
  • Business account options: Lots of different options are available, though eligibility depends on where you live. (When I entered my Santa Fe ZIP code, I was told these products weren’t carried in my location.)
  • Mobile-friendliness: Online banking and a mobile app dovetail real-world and on-the-go banking.

4. PayPal

All right, you caught us; this one isn’t really a bank account per se. But PayPal’s business account upgrade does have a lot of useful features for freelancers, including built-in invoicing and an easy-to-use app with mobile check processing — for those two or three clients we all have who still insist on mailing a paper check, even in 2019.

There’s no monthly fee, though you may pay fees for certain types of transfers. (It’s free to transfer funds to your personal bank account as long as it’s not a rush, however.) There’s also a cost to the business owner when invoices are paid; PayPal’s invoice fee is 2.9% plus 30 cents per transaction.

And I can tell you from experience that their customer service team is ace. When I accidentally transferred more than $ 200 to an account that didn’t exist anymore (😱), my panic attack was instantly calmed by a short, navigable phone tree and an uber-friendly service rep. And yes, I’ll admit the accent was part of the experience. (They apparently have a call center in Dublin.)

  • Fees: Minor and mostly possible to get around, except in the case of invoicing.
  • Customer service: Excellent and readily available, both online and via phone.
  • Accessibility: While there’s no such thing as a PayPal branch, it’s easy to move PayPal funds to your personal (physical) bank account of choice.
  • Business account options: PayPal offers a free upgrade from personal to business accounts and offers a host of tools to make your professional life easier.
  • Mobile-friendliness: Intuitive and user-friendly, both in an online browser and via the mobile app.

Psst — If any of you hardworking freelancers out there have your own favorite bank account, let us know. We’d love to learn about the options we’ve overlooked.

Happy hustling!

Jamie Cattanach’s work has been featured at Fodor’s, Yahoo, Self, The Huffington Post, The Motley Fool, Roads & Kingdoms and other outlets. Learn more at www.jamiecattanach.com.

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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Keep calm and don’t carry on when parenting teens

In a new study, psychologists find that mothers and fathers who are less capable of dampening down their anger are more likely to resort to harsh discipline aimed at their teens, and that fathers in particular were not as good at considering alternative explanations for their teens’ behavior.
Child Development News — ScienceDaily

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Keep refreshing this page to see AI-generated faces that look completely real

AI face generator

The young woman’s face at the top of this post might not strike you at first glance as strange or off in any way. Which is arguably what’s so extraordinary about it. Don’t bother taking a closer look, because you won’t find anything. It is the face of a young woman who, in reality, doesn’t exist. Because a computer generated her face completely from scratch — along with tons of others like it that look similarly real which you can peruse at a website set up to show off the technology, at ThisPersonDoesNotExist.com.

Continue reading…

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Keep refreshing this page to see AI-generated faces that look completely real originally appeared on BGR.com on Fri, 15 Feb 2019 at 22:05:58 EDT. Please see our terms for use of feeds.


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Amazon, DoorDash will keep the controversial tipping policy Instacart just ditched

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Instacart heard the cries of an angered internet and took action. Amazon and DoorDash, on the other hand, seem content to dig in.

It was online anger that led Instacart to change its policy on tips, which were previously used to pay the base wages of the company’s gig-economy delivery workers. As anyone who has ever worked in a service industry will tell you, tips are additive; it’s money you’re paid on top of your base wage.

“Tips should always be separate from Instacart’s contribution to shopper compensation,” Instacart CEO Apoorva Mehta wrote in an email to employees.  Read more…

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How to Keep Your Spirits High When Life Stinks

There was an interesting reader threadjack recently about how to keep morale high when your confidence is wrecked and everything feels like it’s going wrong, either at work, in life, or everything. I’m going through one of these times myself at the moment (it’s been a trying week, mostly for complicated kid-related reasons I won’t get into) but… yeah. Sometimes things stink. So, I’d love to hear your suggestions — and here are ideas that have been suggested in the past…

  • Enforce boundaries. If things are going wrong at work, make sure that your home is your haven — we’ve talked in the past about how to build work-life boundaries as well as to how to keep your work life separate from your personal life. Some of our tips on how to focus on work may also be of help
  • Give your brain a break. If things are going wrong and you’re dwelling on them, we’ve talked about how to stop overthinking. We’ve also discussed how to help your brain switch gears by focusing on your senses (also helpful to turn a bad day around!) — go shopping and touch the different fabrics as you pass, or consider baking bread to knead/pound/have sensory fun playing with something gooey.
  • Focus on what you need to. Don’t make things worse by letting things slide. Whether it’s life or work that are making things horrible, we all still have our daily obligations. Picking a different workspace to work in (like a conference room or even just the visitor’s side of your desk) can help you focus on work when other things threaten to distract you.
  • Get your cardio in. I’m desperate to fit a run in at some point today because the weather was too poor to do it last week and I feel like it’s exacerbating everything. If you’re under the gun with a work project and you have no time, try to fit in cardio to get your heart rate up — take a 5-minute break to climb stairs at your office, do pushups on the floor, or if you have the space (and a private office) try a few kettlebell swings. As we’ve noted before, dancing or singing to silly music can also be a great pick-me-up and a great break to build into your day. (Perhaps I need to change my alarm song — right now it’s Gossip’s 2012. I’m off to review our last discussion on everyone’s favorite girl power songs…)
  • Laugh. We haven’t had a thread on this in far too long: What are your favorite hilarious things to perk you up, ladies? (I am not really an animal person, but for those of you who are, please share your favorite memes/kitties/etc.). I died laughing at the Peloton Twitter thread that went viral, but so much comedy (late night and SNL) is tinged with politics right now that it often makes me more stressed out when I’m in those moods. Some of the classics (for example, “Baby Trashes Bar” or  “Mean Kitty“) are still some of my favorite light-hearted YouTube things.
  • Make a list. There are two ways to do this: One option is to make a list of your accomplishments, the things that are going right, and/or the things you’re grateful for. The OTHER option is counterintuitive, but I’ve found it’s helped me sometimes — make a FUBAR list, noting every single thing that is dragging you down. Doing a brain dump really helps, and it’s always kind of amusing after the cloud has lifted to go back and see EVERYTHING on your list because you realize that most of it doesn’t matter… then the next time the mood hits you can sort of remember how you laughed at everything after the fact.
  • Mini-meditation. Meditation has all sorts of benefits, but it can take time and discipline to feel like you’ve getting benefit from a meditation practice. This 60-second meditation is great, and we talked about some other helpful meditation apps a few months ago (like the Apple Watch Breathe app).
  • Enforce the 24-hour rule. This is a good guideline for weight loss, but it also works if you’re having a lousy time with a coworker, a boss, a life situation… try to envision what a “good” next 24 hours look like for you, and then commit to making it happen. In weight loss parlance that may mean pre-planning your meals; for work it may mean pre-planning your day so you build in cardio, a dance party, a YouTube break, or other mood-boosters.

Readers, what are your best tips for keeping your spirits high when life stinks? 

Psst: These are more than quick fixes, but we’ve also talked about how to make time for therapy in a busy life, as well as how to make time for friends when you work a lot.

The post How to Keep Your Spirits High When Life Stinks appeared first on Corporette.com.

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Immigration concerns keep some parents from getting their kids health services

This decision to forgo care comes at a cost.
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Keep these recalled foods off your Super Bowl spread

The Super Bowl is a national holiday even for those who don’t watch football. One big reason for that? The food.


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Courts say anti-abortion ‘heartbeat bills’ are unconstitutional. So why do they keep coming?

Time and again, when it’s introduced in a state legislature, the bill is touted as the most restrictive in the nation. It’s often referred to as a “heartbeat bill” and seeks to ban abortions at the time when a fetus’ heartbeat can be detected, which can be as early as six weeks into a pregnancy — before many women even know that they are pregnant.


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Iyanla Shuts Down a Woman Who Can’t Keep Her Aggression in Check | Iyanla: Fix My Life | OWN

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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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Nuclear, climate threats keep Doomsday Clock close to apocalypse

A renewed nuclear arms race, rising greenhouse gas emissions and the emergence of state-sponsored disinformation campaigns have left the modern world as close to annihilation as it was at the height of the Cold War, atomic scientists said on Thursday.


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Genetically altered monkeys have been cloned in China, and ethics just can’t keep up

monkeys cloned

It was almost exactly one year ago today that Chinese scientists revealed that they had successfully cloned a monkey, resulting in the live births of two genetically identical babies. It was a monumental achievement that brought with it a whole minefield of ethical questions and very few answers, and now things are getting even more complicated.

In a new announcement, also out of China, researchers reveal that they’ve cloned a handful of new monkeys as well, but this time around the donor monkey was genetically modified to exhibit specific disorders associated with hormone imbalance and mental health.

Continue reading…

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Genetically altered monkeys have been cloned in China, and ethics just can’t keep up originally appeared on BGR.com on Thu, 24 Jan 2019 at 14:05:32 EDT. Please see our terms for use of feeds.


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Coalition Pressures Amazon, Microsoft, and Google to Keep Facial Recognition Surveillance Away From Government

A coalition of more than 85 activist groups sent letters to Microsoft, Amazon, and Google pressuring them not to sell their facial surveillance technology to the government.

In its letters sent Jan. 15, the coalition–which comprises groups including the American Civil Liberties Union, National Lawyers Guild chapters, and Freedom of the Press Foundation–warned the companies that a decision to supply government with the technology “threatens the safety of community members and will also undermine public trust.” That’s because facial recognition software gives the government the power to target immigrants, religious minorities, and people of color, thereby exacerbating a historical bias, according to the coalition.

“Companies can’t continue to pretend that the ‘break-then-fix’ approach works,” Nicole Ozer, technology and civil liberties director for the ACLU of California, said in a statement. ” … We are at a crossroads with face surveillance, and the choices made by these companies now will determine whether the next generation will have to fear being tracked by the government for attending a protest, going to their place of worship, or simply living their lives.”

The letter adds pressure to technology companies, whose sentiment toward selling the new technologies range from cautious to eager.

Google, at least, appears to be treading lightly. In December, the company committed not to sell its facial recognition surveillance software until the technology’s potential dangers are addressed.

That came a couple of months after several Google employees quit in protest of the company’s $ 10 billion bid for a contract with the Pentagon over cloud data center services. Ultimately, Google withdrew its bid for the project, called the Joint Enterprise Defense Infrastructure cloud, citing uncertainty that the project aligned with its principles for the use of artificial intelligence. Google bans the use of its AI software in weapons and services that violate international norms for surveillance and human rights.

Similarly, Microsoft employees also pressured executives to pull its bid for the JEDI project. At the time, however, Microsoft said it had no intentions of dropping out.

In a December blog post, Brad Smith, president of Microsoft, acknowledged the risks associated with facial recognition surveillance technology and its obligation to address those concerns internally. He also pushed for government regulation in regards to the use of the technology.

And on the other end of the spectrum, Amazon continues to sell its facial recognition software to government agencies. Last year, CEO Jeff Bezos told CNN that society would eventually take care of any bad uses of the technology.

Earlier this month, the FBI reportedly began piloting Amazon software called Rekognition to help sift through surveillance footage collected during an investigation. Amazon also reportedly met with U.S. Immigration and Customs Enforcement to discuss Rekognition.

The ACLU is particularly concerned about Amazon and its technology, as a test it conducted last year showed that Rekognition falsely matched 28 members of Congress with images in a database of people arrested by police, with members of color disproportionately being identified incorrectly.

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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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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Elon Musk scrambles to keep Grimes, Azealia Banks out of investor lawsuit

Elon Musk’s fateful “420” pot joke on Twitter is dogging him in court again. Tesla’s billionaire boss is scrambling to keep a pair of pop singers — his ex-girlfriend Grimes, as well as the rapper Azealia Banks — out of the legal mess created by his Aug. 7 tweet that claimed he had secured funding…
Technology News & Reviews | New York Post

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Alone for the Holidays? Here’s How to Keep Yourself Sane

Source: Vladimir Vladimirov / Getty

For some, the holidays are the best time of the year. It means spending quality time with friends and family, holiday parties and gifts galore. For others, the holidays can be less than cheerful and seem to have a special way of making you feel awful if you’re spending the season alone.

Maybe you’re getting over a recent break up or the loss of a loved one. Maybe you’ve moved away for work or school and can’t afford to make it home in time for the holidays. Whatever the scenario, let’s be honest: being alone over the holidays sucks…and the fact that the entire world is talking about it definitely doesn’t make being alone feel any better.

If you’re one of those feeling a bit lonely this season, you’ll be surprised to know that you’re actually not alone as the holidays can be one of the loneliest times of the year. In an effort to keep your spirits up in spite of being alone, we’ve complied a few coping mechanisms to help you get through the last few days of the year. Here’s a few ways to stay sane if you’re alone during the holidays:

Create Your Own Tradition

Starting your own tradition is a great way to distract yourself from being alone over the holidays. If you have other friends, coworkers or neighbors who are also spending the holidays alone, it might be a great opportunity to start your own “Friendsgiving” or “Christmas Brunch” where you can bond over great food, great drinks and great conversation.

If you’re not up for the group activity, you can start a solo tradition too. Maybe go to the movies on Christmas, or take yourself ice skating, or treat yourself to a nice fancy dinner. If you adapt a tradition you love, you might find yourself actually looking forward to spending the holidays to disconnect from the world and reconnect with yourself.

Helping Others

Volunteering and helping others is a sure way to lift your spirits when you’re feeling down. Just knowing you’ve made a difference in someone’s life by giving back will help bring a smile to your face and remind you of how fortunate you truly are.

You can give back in many ways over the holidays by collecting toys and warm clothing for those less fortunate, delivering meals to the elderly, spending time at a nursing home or even donating to your favorite charity. Bringing joy to someone else is a beautiful way to experience joy yourself.

Set Realistic Expectations

You might feel lonely during this time of year simply due to the fact that society has placed such huge expectations on what it means to celebrate the holidays. Everywhere you turn, there are romantic holiday movies playing, family Christmas portraits being hung and social media posts giving off false perceptions that everyone is living their most picture-perfect lives.

Not having a significant other or close family might only seem weird during the time when we’re “supposed” to be going to parties, exchanging gifts and spending time with those we love. Combat those feelings by re-thinking your expectations and realize that nobody’s life truly measures up to the Hallmark Channel movies you’ve been binge watching all weekend. Instead, shift your focus to the great things you do have in life and realize that your holiday is perfectly fine just the way it is.

Remember What You’re Grateful For

Expressing gratitude might seem like something simple, but it actually has many benefits that’ll help bring you out of your holiday slump. It’s hard to focus on being thankful and feeling lonely at the same time. For example, if you’re feeling down due to the lack of love in your life, be thankful for the love that you do have whether it be from friends, family or even your pets.

Keeping a gratitude journal is also a great exercise you can try to get you in the habit of recording everything you value in life. It’s even more rewarding to read through your list of grateful moments the next time you’re feeling down.

Prepare Yourself for The Coming Year

There’s no better pick me up than reflecting on everything you’ve accomplished this year and figuring out your plan for how you’ll level up even more next year. Rather than sitting around feeling lonely, you can spend the holidays writing down your dreams and goals for the coming year and mapping out a plan on how to achieve them.

You can try creating a vision board, reading self-help books, writing motivational notes to yourself or simply writing down your list of goals using your notes app. No matter your tactic, focusing on how great the coming year can be will definitely lift your spirits and help take your mind off of feeling alone!

 

Life & Style – Black America Web

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A Safer Way to Keep Kids Pain-Free

Opioid abuse is a public health crisis, causing an average of 115 deaths in the U.S. every day. But while abuse often starts in childhood, pediatric opioid use has received little attention.

Kaiser Permanente developed a program to address this need by reducing the use of opioids after pediatric tonsillectomy. It replaces codeine — known to increase the risk of respiratory depression and death in children — with the non-opioid painkillers ibuprofen and acetaminophen.

“The ‘why’ is very clear,” said Anna Grosz, MD, the head and neck surgeon who spearheaded the effort in Oregon and Southwest Washington. “We know that opioids are risky, and we want to keep kids safe.”

Within 18 months of launching the program, Dr. Grosz and her colleagues had reduced the use of opioids in young children by 67 percent.

Encouraged by their success, they set out to spread the program across Kaiser Permanente. To date, the organization has achieved a six-fold reduction in pediatric opioid use after tonsillectomy.

“Opiate reduction saves the lives of our children,” said Dr. Grosz. “Who could argue against that?”

Main RSS Feed – Kaiser Permanente

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Ho, Ho, Ho! This Christmas, Phaedra Parks Wants You To Keep Your Peach ‘Sweet & Fresh’ With These Products

Atlanta Junket For The New Warner Bros. Movie EVERYTHING, EVERYTHING

Source: Paras Griffin / Getty

It’s no secret that Phaedra Parks is the queen of side hustles. Not only is she a lawyer and a mortician, but she is now dabbling in the feminine products game.

Enter: My Healthy Peach.

According to TMZ, the former Real Housewives of Atlanta co-star is collaborating with Tatianna Knights RN, BSN, a labor and delivery nurse, for a new line to help women have “a nice juicy fresh peach and a sweet peach.”

“I am introducing a new product line. You know I’m known for my ‘badookadonk,’ but my new product line has to do something about…with your vagina,” Phaedra said during a recent gathering of friends at her Atlanta home for a “Ladies Night Out” event.

“So my new product line ‘The Healthy Peach,’ is about not having a tart peach,” the mother of two said. “I want the peaches to be sweet and fresh.”

“My Healthy Peach will make you juicy and sweet.

The line, which is free of sulfates, parabens and most harsh chemicals, seems to be doing well. According to the company’s website, the $ 12.50 box of wipes appear to be sold out.

In addition, it appears that Phaedra is making amends with her former cast mates, including Nene Leakes. Here’s a picture of her, Nene, Greg Leakes and Cynthia Bailey celebrating Nene’s birthday.

“#birthday#joy with @neneleakes @greggleakes@cynthiabailey10 @marlohampton@tammepha #reunited and it felt good 😜,” she wrote.

Instagram Photo

Instagram Photo

 

“We keep in touch and we talk,” Phaedra revealed on a recent episode of TV One’s Sister Circle. “Her husband is going through Cancer, so I’ve been trying to support her.”

Phaedra also hinted that she is open to returning to RHOA–if asked.

“And you know never say never, it’s a new year who knows,” she offered. “But like I tell people I’m an old-fashioned girl and I have five degrees as we all know. So I really don’t have to do anything I don’t want to. I have companies, and jobs and businesses.”

 

Instagram Photo

 

Guess only time will tell if she returns to the Bravo hit show AND if these wipes will continue to keep selling out.

 

Black America Web

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NORAD will keep Santa Tracker running despite shutdown

Jingle bells at the North American Aerospace Defense Command will be ringing as usual on Christmas Eve — in spite of the partial government shutdown — as the US military tracks Santa’s journey around the globe. The elves at NORAD who have plotted Kris Kringle’s path on radar for the last 62 years will continue…
News | New York Post

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Sears plans 50 to 80 store closures as challenges mount for Lampert’s bid to keep retailer alive

The retailer is weighing closing to 50 to 80 more stores at the end of the year, people familiar with the situation tell CNBC. That could bring Sears' footprint closer to 400 stores. Lampert has said he wants to buy roughly 500 stores.
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Watch: Tank Says Offset Needs to Keep Showing the World He Wants Cardi B Back [Video]

If you ask Tank, Offset needs to tell everyone he can that he wants Cardi B back.

via TMZ:

We got the rapper Saturday night in the ATL, at the State Farm Arena for the V-103 Winterfest when he threw down his game plan for Offset … shout out to the world that you want your wife back. “Be Loud, be apologetic with everything you do until you get your wife back,” he says.

Tank doesn’t know if his plan will work, but that leads him into a super interesting view of human nature.  He’s not buying the whole, give-him-a-second-chance thing, because Tank thinks humans are so flawed — so imperfect — that sometimes people should get 4th and 5th chances.

Sounds like Offset is heeding his advice. 

The post Watch: Tank Says Offset Needs to Keep Showing the World He Wants Cardi B Back [Video] appeared first on lovebscott – celebrity news.

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The best cashmere jumpers to keep you snug all winter

I am obsessed with cashmere, and if you visit me on any given Sunday, you’ll find me lounging in a cashmere jumper and joggers. Extra, I know, but I just haven’t found anything as comfortable and durable, so I personally think spending a bit more is a good investment.

With that in mind, keep scrolling to shop my edit of the best cashmere pieces out there, and how to care for them.

What is cashmere?

You might know that cashmere is a more luxurious type of wool, and therefore expensive, but do you know why? That is because it comes from a specific type of goat, the cashmere goat, which produce finer, softer hair. Each goat sheds its hair once a year, and there isn’t much of it, so it makes it rarer, and so pricier.

How to wash cashmere

I’ve ruined many a cashmere jumper because I’ve either been too lazy or ignorant to wash it by hand. So first off, you’ll want to check the care label as some cashmere jumpers are machine washable (M&S do a great line), but others aren’t. Usually, you’ll need to wash them by hand in warm – but not hot – water, or in certain rare cases, dry clean only. Make sure you also lay it flat to dry so that it doesn’t lose its shape, we have a full guide on how to wash and store cashmere here.

Best cashmere jumpers

There really is cashmere to suit all budgets. On the high street, you’ll be hard pressed to beat John Lewis & Partners, M&S, GAP or Uniqlo, which all have a great range of jumpers and cardigans in various colours, under £100. If you’re looking to invest in a designer piece, then Chinti & Parker, Vince and Bella & Freud have some fashion-forward styles I think you’ll love.

Keep scrolling to shop my edit of the best cashmere pieces out there, from jumpers to scarves and joggers. Whilst some pieces are pricey, if you care for them well then they will last you a lifetime, and you just can’t beat that cosy factor. Also, don’t be afraid to shop the men’s collections, I love the baggy feel, which goes really well with this season’s slip skirts.

The post The best cashmere jumpers to keep you snug all winter appeared first on Marie Claire.

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Leaving These 10 Things at Your Front Door Could Keep You Safe

Living a safe and happy life means protecting your home and family, and one of the best places to start is right at your front door. Learning how to protect yourself and your property doesn’t have to be difficult (or cost-prohibitive), in many cases, it’s simple and inexpensive. In addition to keeping unwanted visitors out of your home, you’ll want to make provisions that help first responders find you if an emergency arises. By implementing one or more of the following 10 front door fixes, you’ll be taking proactive steps to keep your home and your loved ones safe.
Bob Vila : Trusted Home Renovation & Repair Expert

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Amber Davies has urged her fans to keep an eye on their drinks after hers was spiked

OHMYGOSSIP — Amber Davies has urged her fans to keep an eye on their drinks after hers was spiked.
The former ‘Love Island’ star was hospitalised on Friday (16.11.18) after reportedly collapsing in a pub and she admitted having someone slip drugs into her beverage was something she “never thought” would happen to her.
Amber is now recovering and feels “grateful” to be back home.
She shared a statement on her social media accounts which read: “Thank you so much for all your kind words.
“Getting spiked is something I never thought would happen to me, but I’m so grateful to be home and safe.
“Thank you to my family and everyone who helped me, especially Glan Clwyd Hospital.
“Reminder to never leave your drink out of sight.”
Amber had been out with a friend at the Plough Inn at St Asaph, North Wales, when she collapsed in a car park outside the pub, prompting staff to call for an ambulance.
An onlooker said: “At about 11.20 she was walking up and down the car park with a guy.
“She suddenly hit the floor. She was completely unconscious.
“People came out of the pub to help her and put her in the recovery position.
“She was screaming like she was in agony.
“Paramedics were asking people if she’d taken anything. But no one saw her taking drugs.”
Amber was taken to the Glan Clwyd Hospital in Bodelwyddan and treated for around three hours before she was allowed home.
Despite Amber’s belief her drink was spiked, the bar manager previously insisted he had “no reason” to think there had been drugs on the premises.
The Plough manager Dafydd Jones said: “I have no reason to believe drugs were taken on the premises.
“I will be speaking to North Wales Police with regards to the incident.”

Source: Female First
Find us also on Twitter @OHMYGOSSIP and @OHMYGOSSIP_USA

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Democrats take House, Republicans keep Senate in historic midterms

ABC News

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Midterm elections: Republicans will keep control of the Senate, while Democrats are in position to seize the House majority

The Washington Post-Schar School survey of battleground districts found voters positive about the economy while a narrow majority said the country was on the wrong track.
Politics

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Google Paid Android Inventor Andy Rubin $90 Million to Keep Quiet After He Was Credibly Accused of Sexual Misconduct, Report Says

Android’s creator, Andy Rubin, received $ 90 million from Google to resign without fuss after the company found an accusation of forced oral sex by a former girlfriend and Google employee was credible, the New York Times has reported.

Google did not deny the story’s substance to the Times, and its CEO and HR chief told employees in email after the article appeared that 13 senior managers have been fired in the last two years for sexual harassment. None of them, they said, had received an “exit package” paid for agreeing to leave.

A personal spokesperson for Rubin denied the substance of the story to the Times, and said Rubin left of his own accord and did not engage in misconduct, nor have a relationship with a direct report or one that was other than consensual while at Google. Rubin and Google did not reply to requests for comment from Fortune.

The alleged incident that led to Rubin’s departure from Google involved a former romantic partner who worked in the Android division. In 2014 she told Google’s human resources department that, after she was no longer interested in the relationship, she had met with Rubin in a hotel room in 2013, according to the Times. She accused Rubin of then forcing her into oral sex, and she ended the relationship, the report says.

Rubin joined Google in 2005 with the acquisition of Android, a company he had co-founded, to build smarter mobile devices. According to the Times, Rubin engaged in multiple relationships with other Google employees. In 2009, he married one, Rie Rubin.

Rie Rubin filed for divorce May 24, 2017. Court filings show the divorce is not yet final. On Sept. 17, a court ordered Andy Rubin to pay nearly $ 80,000 a month in child support. Many aspects of the proceedings and filings were sealed because of minor children. (Andy Rubin hasn’t spoken publicly of children, and his ex-wife has mentioned them only in passing in an article about a now-closed bakery, and on social media.)

On Oct. 3, 2018, she filed a civil lawsuit against Andy Rubin. The case was temporarily sealed at Andy Rubin’s request on Oct. 11 until a hearing on Dec. 3. Rubin’s attorneys argued, among other points, that “journalists and others will publicize the allegations if allowed to learn of them.”

The Times report maintains that Larry Page, Google’s co-founder, encouraged Rubin within the company and felt Rubin hadn’t received enough compensation for his role in Android. This led to a $ 150 million stock grant issued in Sept. 2014, even after the sexual-assault investigation was underway. The Times reports that it was unclear if Page or the board knew of the investigation when the grant was approved.

However, Rubin was earlier passed over, in 2013, to run a combined Android and Chrome team. Sundar Pichai got the nod instead. Pichai went on to become Google’s CEO when the firm shifted to a holding company structure with Google as a separate division and crown jewel.

After the sexual assault allegation was reportedly found credible by Google, the Times says Page made the decision to push Rubin out. Rubin left in Oct. 2014.

Rubin went on to co-found a venture-capital firm, Playground and later founded a smartphone maker, Essential, which laid off part of its staff a few days ago after disappointing sales of its first phone model.

Rubin was briefly on a leave of absence from Essential after the news site The Information reported on a 2014 complaint at Google that appears to be one of the elements of the Times story. At the time, Rubin said the relationship was consensual and not someone in his managerial area.

The story also documented with named and anonymous sources other incidents of sexual harassment, inappropriate remarks, and relationships that crossed lines of reporting.

Hours after the story appeared, the company’s CEO, Sundar Pichai, sent email to employees that noted 48 people had been terminated in Google in the last two years, “including 13 who were senior managers and above,” and that none received an exit package. The email was co-signed by Google’s HR chief, Eileen Naughton.

Fortune

SPECIAL NEWS BULLETIN:

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The Federal Reserve doesn’t need to ‘keep our foot on the gas pedal’ anymore, Fed’s Bostic says

The risk of a powerful economy overheating is the reason the Fed should stick to its schedule of interest rate increases, Atlanta Federal Reserve President Raphael Bostic said Tuesday.
Economy

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Keep Your Basement Safe & Dry

WHY ALL THE TECHNOLOGY FOR A BATTERY BACKUP SYSTEM?

For too long, customers have demanded more without results. They have asked for equipment they can remotely “keep an eye on,” or at least get an alert to their phone if an alarm occurred or if equipment needed attention. Zoeller Company’s Aquanot® Active 508 offers technology that accomplishes far more than this, even incorporating unique features like “Boost” mode, fail-over circuitry, an constant pump performance.

As this is the premier product in the category, we designed it to avoid the neglect and dormancy inherent in these applications which are in standby mode in the dark, lonely corner of residential basements. The “Active” system benefits from exercise, supervision, and reporting information that helps save property.

The Aquanot® Active 508 is a high performance, self-testing, battery backup sump pump system with unique features and multiple redundancies. The system connects to Zoeller Company’s Z Control® Cloud for 100% configurability, remote access, and alert notification. In addition, the use of the Z Control® Cloud with web and app interfaces are all 100% free to homeowners. In fact, homeowners can even electronically “share” their Z Control® enabled equipment with a willing contractor of their own choosing. “Now that’s “Real Time Peace of Mind!” – Jeff Sloss, Controls Product Marketing Manager, www.zoeller.com

The post Keep Your Basement Safe & Dry appeared first on Home Trends Magazine.

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11 Things to Keep by the Front Door

When it comes to decorating and organizing, the foyer is often the last place homeowners think to touch. In far too many homes, it’s just a bleak portal for passing in and out of the house without a second glance. And that’s a shame, because the entryway is a prime piece of real estate and, when considered properly, can help make your day a little easier. The key is in keeping certain essentials by the front door where you won’t overlook them on your way out, or establishing an assigned place for everyday items. Here are 11 items that deserve a spot near your front door.
Bob Vila : Trusted Home Renovation & Repair Expert

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Keep the Kids Busy for Free at Bass Pro Shops This Halloween Season

I’m not an outdoorsy person, but I’m a fan of Bass Pro Shops for one reason: They know how to do the holidays right with free activities for the kiddos.

My daughter’s first experience trick-or-treating was at Bass Pro Shops in Atlantic City, New Jersey, when she was 2 years old. This year, the outdoor recreation retailer is hosting eight days of free Halloween fun. There will be crafts, games, costume parades, photos with Charlie Brown and the gang and — of course — trick-or-treating.

Events will be held at Bass Pro Shops and Cabela’s stores, which are owned by the company. About 170 locations in 45 states and Canada will get in on the Halloween spirit with the exception of the retailer’s Islamorada, Florida, location.

The festivities start two weekends before the holiday. On Oct. 20 and 21 from noon to 5 p.m., children can create Frankenstein crafts, pose for photos and play pumpkin toss — a holiday-themed version of bean bag toss — for the chance to win small prizes. The stores will be selling a photo package for $ 5, but you can get one free 4-by-6 photo without buying anything.

From Oct. 26 to 30, the Frankenstein craft will be swapped out for a vampire bat craft. Families can go to Bass Pro Shops on Oct. 26 from 5 to 7 p.m. to make crafts and take photos.

More activities are scheduled the Saturday before Halloween (Oct. 27) with treat-or-treating from 3 to 5 p.m. and a costume parade at 4 p.m. The store’s pint-sized visitors can also make crafts, play pumpkin toss and take photos from noon to 5 p.m. on Oct. 27 and 28.

The action is light the two days leading up to Halloween — Oct. 29 and 30 — with just crafts and photos from 5 to 7 p.m.

The Halloween celebration culminates the evening of Oct. 31 with events from 4 to 8 p.m. Guests can take photos, play pumpkin toss and create crafts — this time a scarecrow — throughout the entire time.

From 5 to 7 p.m., children can decorate a cookie. Trick-or-treating will take place from 5 to 8 p.m. At 6 p.m., kids can walk in a costume parade.

My little one enjoyed her time collecting candy and making crafts at Bass Pro Shops. And I loved that I didn’t have to spend a dime.

Nicole Dow is a senior writer at The Penny Hoarder. She loves free kids’ events and is in favor of trick-or-treating that doesn’t involve going door to door.

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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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