What Black Investors Need to Know about Opportunity Zones

Black investors have historically invested in land to build wealth. Real estate is generally seen as a solid investment because property values typically rise over time. Property can be passed from one generation to another; used to diversify an investment portfolio; and is considered less risky than the stock market. Now, there is a new option for blacks to become investors and receive tax breaks with a new real estate asset class: Opportunity Zones.

Opportunity Zones are low-income areas the U.S. Treasury classifies as “qualified opportunity zones.” Investors can make these asset investments through Qualified Opportunity Funds.

The investments are geared to accelerate economic development in almost 9,000 designated areas in America and Puerto Rico, says tax attorney Steve Moskowitz, a founding member of the San Francisco-based tax law firm Moskowitz L.L.P.

Opportunity Zones were added as part of the 2017 Tax Cuts and Jobs Act. They allow investors to defer tax on any capital gains until 2026 and avoid a capital gains tax on the sale of an Opportunity Zone. Those funds are then invested in property and businesses located or operated within the designated QO Zones.

What Exactly are Opportunity Zones?

According to the Economic Innovation Group, the 2017 tax provision provides “a tax incentive for investors to re-invest their unrealized capital gains into dedicated Opportunity Funds.” African American Sen. Tim Scott (R-S.C.) played an integral part in including the zones in the tax law.

The ante is high as there is a massive amount of capital gains that could be invested in Opportunity Zones. Based on estimates that U.S. households and corporations possess over $ 6 trillion in unrealized capital gains, some officials contend that the program has great potential to trigger an influential change in distressed communities.

Even if a portion of that amount of money was committed, it could possibly mean billions of dollars for poor areas across the country. That is because the program is specifically designed to increase economic opportunity by incentivizing new development in low-income urban and rural areas, says Leslie Anderson, president and CEO of the New Jersey Redevelopment Authority (NJRA).

opportunity zones

Leslie A. Anderson, executive director, NJRA

The NJRA is a multimillion-dollar independent financing New Jersey authority created to transform urban communities through direct investment and technical support.

In New Jersey, where the NJRA is based, many of these designated neighborhoods are predominantly black and have suffered from systemic inequality, Anderson says.

How Low-Income Communities Could Benefit

Anderson says Opportunity Zones give residents in these communities a chance to benefit in several important ways. First, the program can create new development with the potential to generate increased employment opportunities, more affordable housing, improved property values, and more comprehensive and higher quality services.

Unfortunately, without incentives, Anderson says investors often see low-income areas as too high-risk, making it very difficult for needed projects to attract the capital necessary to move forward.

“Opportunity Zones offer investors an incentive to invest in projects that can help to redevelop and transform these neighborhoods,” explains Anderson.

Yet, concerns remain from community advocates who feel the program could create gentrification pitfalls in some neighborhoods populated by low-income residents and minority groups.

For instance, these advocates foresee rising prices for housing or other new real estate development in targeted Opportunity Zones forcing current residents to leave those areas.

Anderson says she understands those concerns as does New Jersey Gov. Phil Murphy and Lt. Gov. Sheila Oliver. She says that New Jersey created an inclusive process that intentionally engages the communities that have been designated as Opportunity Zones.

The governor’s office is holding a series of community forums to educate residents and local businesses, answer questions, understand community needs, and address concerns.

Additionally, the NJRA will meet with local mayors to advise them on leveraging Opportunity Zones to generate projects that directly impact the people who need them most.

Anderson says the NJRA has used its financial resources to leverage nearly $ 4 billion in new investments, helping to redevelop some of New Jersey’s most economically challenged neighborhoods.

“We are also working to ensure that community-based organizations and existing businesses are full participants in the local implementation of the program and can partake in development opportunities.”

Another issue the NJRA is addressing is one of investors mainly focusing on larger cities to the detriment of smaller urban areas.

“We are making a major strategic push to help investors understand the value and importance at looking at all of the designated zones in the 75 municipalities in the state of New Jersey,” Anderson says.

The NJRA, in partnership with the Governor’s Office and the Department of Community Affairs (DCA), recently launched a website that serves as an online mapping tool and a comprehensive resource for residents, local governments, and potential businesses and investors.

Information for Black Investors and Taxpayers

Black investors looking at Opportunity Zones may do well to ponder these questions:

How does one become an Opportunity Zone investor?

Is there a minimum amount of income or capital gain from the sale of stock or other assets they must have to become such an investor?

In order to invest in an Opportunity Zone, Anderson says an investor must create a Qualified Opportunity Zone Fund, which is any investment vehicle organized as a corporation or partnership with the specific purpose of investing in Opportunity Zone assets.

The fund must hold at least 90% of its assets in the qualifying Opportunity Zones property.

Any tax-paying individual or entity can create an Opportunity Fund, through a self-certification process, which is an IRS form submitted with the taxpayer’s federal income tax return for the taxable year.

Anderson says it is important for black investors to know that they can pool their resources and form a Qualified Opportunity Zone Fund, something the NJRA can assist with.

If you are interested in how such an investment may impact your portfolio and taxes, contact a tax attorney and also get more information here.

The post What Black Investors Need to Know about Opportunity Zones appeared first on Black Enterprise.

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The brilliant alternative festivals you need to know about

Whether you’re a coffee drinker, dog lover or yoga pro

best alternative festivals 2019
Credit: Balance Festival

Looking for the best alternative festivals 2019 has to offer?

This year we’re being treated to a calendar of brilliant events for absolutely everyone – no camping in a muddy field necessary.

Whether you love dogs, coffee, yoga or vegan food, there are lots of alternative festivals 2019, and you won’t want to miss them.

Alternative festivals 2019

So where do we start?

Balance Festival – London

best alternative festivals 2019

Credit: Balance Festival

What is it?

Balance Festival cherry-picks the country’s top boutique studios, delicious food and drink suppliers, expert trainers, yogis and wellness and athleisure brands to join forces under one roof. Expect high-octane workouts from the likes of KXU, BLOK, Another_Space, Third Space, Barry’s Bootcamp, F45 and UNIT, as well as the chance to try some delicious food and meet like-minded gym bunnies.

If you’re partial to a bit of yoga, you’ll be excited to know that there will be a FLOW yoga studio for you to settle into savasana. Sessions are free to festival goers and include some big names in the biz, from Patrick Beach to Marc Hatvani.

When is it?

10th – 12th May 2019

Where is it?

The Old Truman Brewery, Brick Lane, London.

How much is it?

Standard Admission tickets to Balance Festival are priced from £24.50 for day tickets and from £50 for VIP day tickets. Weekend entry is currently priced at £90.

Buy tickets 

VegFest – Brighton  

What is it?

The festival has been set up for people to celebrate and enjoy all things vegan – there will be 230 stalls selling their wares, from vegan meats, cheeses, chocolates, cakes, alcohol, supplements and sauces, to clothing, footwear, bags, cosmetics and jewellery.

Expect talks on various vegan-related talks on fitness and health as well as cookery demos, an art exhibition, live music, comedy and panel discussions.

When is it?

23rd – 24th March 2019

Where is it?

The Brighton Centre, King’s Road, Brighton 

How much is it? 

Advance day tickets are £8. Weekend Tickets are £13.20. On the door day tickets are £10.

Buy tickets

OM Yoga Show – Manchester 

best alternative festivals 2019

Credit: OM Yoga Show Manchester

What is it? 

Whether you’re a beginner or a yoga pro, the OM Yoga Show is the chance to immersive yourself in all aspects of the ancient practice. From free open classes and workshops to over 100 exhibitors – showcasing yoga accessories, clothing, jewellery, super food and retreats – there’s something for everyone.

Soak up the atmosphere and get ready to perfect your crow pose. 

When is it?

11th – 12th May 2019

Where is it?

EventCity, Phoenix Way, Off Barton Dock Road, Trafford City, Manchester

How much is it?

Day tickets £7.50, two day tickets £12.50. OM Yoga Ticket bundles, including entrance, 1 year subscription to OM Yoga & Lifestyle magazine, and a goody bag £39.99.

Buy tickets

Dogstival – Hampshire

best alternative festivals 2019

Credit: Dogstival

What is it?

This is the ultimate festival for you and your pooch. With everything you would expect from a great dog day out, the event will bring dogs and dog lovers the Dogstival Display Arena, the Dog House Behavioural Stage, Get Your Paws Involved Activities, K9 Aquasports Pool, Canine Chill Out Den, live music, artisan food and drink, a Vintage Fun Fair and Pylewell House’s dog-friendly beach.

When is it?

18th – 19th May 2019

Where is it?

Pylewell Park, New Forest, Hampshire

How much is it?

Adult one day admission costs £15.44, and a child ticket costs £9.11 (includes booking fees).

Buy tickets

The London Coffee Festival – London

best alternative festivals 2019

Credit: The London Coffee Festival

What is it?

The annual festival will welcome coffee-lovers from all over the world to taste some of the finest artisan coffee from burgeoning start-ups, industry pioneers and long-established companies.

Over 250 exhibitors are expected to join the celebration for a jam-packed schedule of coffee tastings, espresso martinis, workshops, latte art and showcases from world-class baristas, all to the soundtrack of live DJs and musicians.

When is it?

28th – 31st March 2019

Where is it?

The Old Truman Brewery, Brick Lane, London.

How much is it?

Standard admission is £18.50, VIP admission is £30 and includes entry to the secret garden, a coffee cocktail token and fast track entrance. Full weekend admission is £90.

Buy tickets

So which of these alternative festivals 2019 will you be going to this year?

We’ll be attempting to go to them all.

Especially the one with all the dogs…

The post The brilliant alternative festivals you need to know about appeared first on Marie Claire.

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Everything to You Need to Know About the 2019 CFDA Awards

The Council of Fashion Designers of America has released its list of nominees for the 2019 CFDA Awards, which includes a number of prominent and emerging American designers.
The nominees were announced during a week that also saw the appointment of Tom Ford as the CFDA’s new chairman. Ford will replace Diane von Furstenberg, who served for 13 years.

Tom Ford 
Matt Baron/REX/Shutterstock

Every year, the CFDA Awards honors American fashion in women’s wear, men’s wear and accessories in addition to other fields relevant to the industry. From standout fashion moments — who can forget Rihanna’s barely there Swarovski crystal dress? — to celebrating emerging designers, the CFDA Awards serves as one of the biggest nights in fashion.

Rihanna at the 2014 CFDA Fashion Awards in New York, June 2014. 
BFAnyc.com/REX/Shutterstock

From the full list of nominees to Ford’s new role as chairman, here is everything you need to know about the 2019 CFDA Awards.
When and where are the CFDA Awards?
The awards will be held on June 3 at the Brooklyn Museum in New York.
Who is the host?
The CFDA has yet to announce its host for the awards. This post will be updated when the host is revealed.
Who is nominated for Womenswear, Menswear and Accessory Designers

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What's the story?

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Things Your Kids Know: Dog Walking Has Nothing To Do With Dogs?!

Has someone every threatened to “dog walk” you? No? Me neither.

In this edition of “Things Your Kids Know”, Skip Murphy tells us the meaning behind the phrase “dog walk”. To the average person, it means to take your fluffy friend on a walk around the block but in the world of social media it is something totally different.

Watch the video above for the full breakdown.

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Factbox: What we know about Boeing 737 MAX crash and what comes next

More than 300 Boeing 737 MAX 8 and MAX 9 passenger jets around the world have been taken out of service following two fatal crashes over the past five months in Ethiopia and Indonesia that killed almost 350 people in all.


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What we know about Boeing 737 MAX crash and what comes next

More than 300 Boeing 737 MAX 8 and MAX
9 passenger jets around the world have been taken out of service
following two fatal crashes over the past five months in
Ethiopia and Indonesia that killed almost 350 people in all.
The causes of both crashes are still under investigation.
One of the biggest unanswered questions: Was the plane’s
software to blame?

WHAT WE KNOW
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There have been ‘multiple fatalities, as far as we know, at two locations,’ New Zealand police commissioner Mike Bush says

Police in the New Zealand city of Christchurch have urged people to stay off the streets as they respond to a “serious ongoing firearms incident.”


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Captain Marvel Returns in New ‘Avengers: Endgame’ Trailer; Here’s Everything We Know

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Ever since the devastating ending of Avengers: Infinity War, moviegoers have been dying to see what happens next and find out just what's become of not only half of Earth's Mightiest Heroes, but the whole Marvel Cinematic Universe. The fourth crossover tentpole of the franchise, Avengers: Endgame, will see theatrical release just under a year later, hopefully with all our questions answered. 

We’re just over a month away from Endgame’s release, and a new trailer…

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Marvel is on a roll with an inclusion initiative for its cinematic universe. Following the humongous success of Black Panther and Captain Marvel, the studio is ready to put the Asian superhero movie Shang-Chi into production. We’d heard a few months ago that Marvel was fast-tracking the project, and now the important pieces are coming into place.

First up is the news, courtesy of Deadline, that Marvel has chosen a director for the movie. And they’ve gone inclusive with the hire,…

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SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

First Full ‘Aladdin’ Trailer Opens Up a Whole New Live-action World; Here’s Everything We Know

First Full ‘Aladdin’ Trailer Opens Up a Whole New Live-action World; 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 $ 200 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+ later in the year. 

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Flu season is on the rise, and a more severe strain dominates: What you need to know

You can still get vaccinated.
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SPECIAL NEWS BULLETIN:

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Whoopi Goldberg announces battle with pneumonia, sepsis: What you should know

Whoopi Goldberg announced her battle with pneumonia and sepsis on Friday. Here’s what that means.
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SPECIAL NEWS BULLETIN:

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Fly, ‘Dumbo,’ Fly; Here’s Everything We Know

Fly, 'Dumbo,' Fly; Here's Everything We Know

Disney's all-new, live-action Dumbo draws upon an animated film that was released during troubling times. Yet the original's simplicity and warmth attracted audiences in large numbers, and it subsequently has been recognized as a family classic.

The new version, heading to theaters soon, has a similar positive spirit and an encouraging message for young ones that will also appeal to adults. Here's everything we know about the film; you can also watch all the videos below.

Who…

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First ‘Midsommar’ Trailer Begins the Frightening Festivities. Here’s Everything We Know

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The secret Ibiza addresses you need to know about

Georgiana Huddart, co-founder of Hunza G, shares her top things to do in Ibiza

My favourite beach is…

Xucla Beach in the North, it’s so romantic – it’s a little cove beach with an amazing xiringuito that does the best garlic gambas. It has a cave you can swim through and you can walk around the coastline on the rocks and jump off into crystal sea.

My favourite dress shop is…

Vicente Ganesha, in Ibiza town, that not that many people know about, it has the most incredible dresses! Multi layered flamenco dresses. I have worn this blue one so many times and lent it to tonnes of friends, I don’t think I have ever worn it and not been asked where it’s from.

Annie’s in Ibiza is also a great shop for amazing vintage finds and cool current brands. Annie stocks: Rixo, De La Vali, Clio Peppiat, Isabelle Moore & Graham Cruz.

My favourite club is…

DC10 on Monday night for Circa Loco is the only club I go to in Ibiza as it’s not really a club, it’s half outside, the music is incredible, and you can party with planes flying over your head as it’s right next to the airport.

My favourite daytime excursion is…

Going to Formentera for the day is also something everyone goes to Ibiza should do, it’s lovely and has great restaurants and crystal clear sea.

My favourite restaurant is…

Cicale, beautiful as it’s in a very remote countryside location, you sit on a patio with fairy lights and olive trees around you, plus the the food is wonderful and they have a small boutique with wonderful jewellery and trinkets.

The post The secret Ibiza addresses you need to know about appeared first on Marie Claire.

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For the 25th official installment of the James Bond franchise, fans expect something special. Fortunately, the next movie, which is currently known as "Bond 25," should be a treat. Not only is Daniel Craig planning to finish out his run as 007 with a bang, but the series also has a newly cemented Oscar winner set to play the movie’s villain.

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Erie Insurance: 6 things to know about the top-rated insurance company

erie insurance sign on office

Erie Insurance may not be a household name around the US, but this insurance company is one that you should take a look at if you’re thinking about shopping around for home or auto insurance.

Money expert Clark Howard looks to the annual insurance company rankings from J.D. Power and Consumer Reports when it comes to recommending where people look to buy their insurance and Erie fares extremely well in both of those surveys.

RELATED: When should you file a claim on your homeowners insurance?

Erie Insurance: Here’s what you need to know

The company was founded in 1925 and today offers a full spectrum of auto, home, business and life insurance. Here’s what you to know about this nearly-100-year-old insurer…

1. Erie Insurance serves 12 states

The company serves customers in a dozen states and the District of Columbia:

  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • Tennessee
  • Virginia
  • West Virginia
  • Wisconsin
  • District of Columbia

In fact, Erie had nearly 6 million policies in force for auto, home and business insurance at last count.

2. Erie Insurance is a regional insurer with a solid business reputation

Based in Erie, Pennsylvania, the company is actually the 9th largest homeowners insurer and 11th largest automobile insurer in the United States based on direct premiums written, according to the company’s factsheet.

In addition, the property/casualty side of the company has an A+ rating from A.M. Best, the industry’s leading rating agency. Meanwhile, the life insurance part of Erie is rated A. (Editor’s note: A++ is the highest rating available from A.M. Best.)

3. The company is routinely named one of the top insurers in the country

Both Consumer Reports and J.D. Power conduct extensive overviews of the auto and home insurance industry and customer satisfaction after a claim is made.

And when it comes to auto and home insurance, both sources agree: Erie is a Top 5 insurer or better versus all the other national players.

Have a look at some of the impressive marks it gets:

Home insurance

  • #3 best homeowners insurance company according to Consumer Reports
  • #5 best homeowners insurance company according to J.D. Power

Auto insurance

  • #1 best homeowners insurance company according to J.D. Power
  • #1 for Mid-Atlantic region of the country and #4 for North Central region, according to J.D. Power
  • #5 best homeowners insurance company according to Consumer Reports

Check out the full lists of the best auto insurance companies and the best home insurance companies.

4. Erie Insurance has a new policy for Airbnb hosts

Thinking about renting out your home on Airbnb or a similar home-sharing site? Erie has a new insurance product with you in mind.

Their peer-to-peer house sharing policy costs an average of $ 40 to $ 60 extra per year. It is intended to step in with liability coverage because not all home-sharing sites offer protection for hosts.

With this policy, you’ll be protected “up to the liability limit for certain coverages on the homeowners policy, which typically ranges from $ 100,000 to $ 1 million,” the company notes.

The house-sharing insurance is available in all the states Erie does business in except North Carolina and Viriginia.

5. The company is testing pay-per-mile auto insurance

Erie CEO Tim NeCastro revealed the company is testing telematics for pricing private passenger auto insurance with 3,000 customers in two states — Ohio and West Virginia.

“We’re very pleased with the response and with the experience and we’re looking to expand that program in 2019,” he said during a recent earnings calls. “We plan to be in two more states this summer and then deploy additional territories later in 2019.”

6. The home sensor pilot program has already saved customers big bucks

NeCastro also said Erie has expanded a test of home sensor pilots to 2,000+ households.

“One customer in Ohio, for instance, reported that his sensor detected a refrigerator leak just two days after installation and helped them avoid a costly loss,” the CEO noted.

“Another customer in Pennsylvania credited the sensor for [alerting] him [to a] water leak in his basement and allowing him to take steps to prevent damages. Examples like these reflect the improved proactive experience customers can have with Erie, while also saving us and them the cost of the claim.”

Final thought

Erie Insurance has a great reputation for customer service and does a good job integrating technology into the insurance experience. You may want to look into them if you’re ready to shop your coverage around and you live in their service area.

More insurance stories on Clark.com:

The post Erie Insurance: 6 things to know about the top-rated insurance company appeared first on Clark Howard.

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These are the 7 main shoe trends you need to know for summer

With a new season around the corner, we’re starting to look at the main summer fashion trends to dictate our wardrobe for SS19. And whilst we’ve already got the main spring bag trends covered, we’re all for updating our shoe game too. After all, as Marilyn put it, ‘give a girl the right shoes and she can conquer the world’.

As ever, we’re looking to the catwalk for inspiration, so keep scrolling for the top shoe trends to invest in this season, as seen at Chloé, Prada and Jacquemus to name a few.

Neon shoes

spring summer shoe trends

It’s official, neon is back. While hints of bright coral, hot pink and flashy orange were spotted at the shows, lime green was the colour of choice, as dictated by Matthew Adams Dolan, Jeremy Scott and Christian Siriano.

Naked sandals

Never has a sandal been so covetable. Designers like Versace, Mary Katrantzou and Ports all sent their models down the catwalk in barely-there sandals that somehow make feed look extra sexy without deterring from the clothes. Look to The Row and Neous for great buys, and Topshop, Mango and Zara for high street equivalents.

Perspex heels

spring summer shoe trends

If you’re after a futuristic heel, then this trend is for you. Balmain, Chanel and Christian Dior have all designed boots, mules and court shoes with a simple perspex heel for SS19.

Scultpural heels

spring summer shoe trends

The maximalists amongst you will adore this trend, which was already big last summer thanks to Jacquemus (what trend didn’t he set?). Whilst last season was all about the wooden heel, this time round we’re injecting a bit of colour and metal in delicate shapes. Also look to Rejina and Balmain for inspiration.

Prim Mary Janes

Consider this the shoe equivalent of the lady bag trend. Miu Miu, Prada and Tom Ford have all re-imagined the Mary Jane (‘I thought it was an urban shoe myth!’) for the new season, in pastel shades with jewel clasp details, and classic black croc and white leather.

Kitten heels

The kitten heel is here to stay, and we’re backing the styles seen at Rejina Pyo, Christopher Kane and Tibi. This low heel is deceptively flattering, both on short and long legs.

Shoes with tassels

spring summer shoe trends

Festival season starts early with these tasseled numbers. At Longchamps they were on gladiator sandals, at Coach they adorned trainers and at Oscar de la Renta they were the finishing touch on classic heels. Who knew they were so versatile?

Scroll down to shop the best spring summer shoe trends.

The post These are the 7 main shoe trends you need to know for summer appeared first on Marie Claire.

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New ‘Dark Phoenix’ Trailer Darkens the X-Men Universe: Here’s Everything We Know

New 'Dark Phoenix' Trailer Darkens the X-Men Universe: Here's Everything We Know

An all-new take on a classic X-Men comic book story, Dark Phoenix looks set to establish its own ground rules when it hits the big screen. The action-adventure revolves around Jean Grey (Sophie Turner), who is affected by a powerful cosmic force while on a rescue mission, becoming far more unstable than ever before.

A new trailer offers a peek at action sequences that look truly spectacular, along with greater insight into the story. Read everything we know and then watch the trailer below….

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Get to Know Soozy Lipsey

Leave the dull behind and enter the wonderful world of Soozy Lipsey!

We had the pleasure of sitting down with the lovely Soozy Lipsey to discuss her work, her process and more. 

My Still Life is Better Than Yours - Skull by Soozy LipseyR: Hi Soozy. Thank you for doing this interview with us. Let’s jump straight in. Your approach to art seems incredibly fun and not to be taken too seriously. Is this something you feel strongly about? 

S: I would say my art parallels my life in many ways. I think life is a serious business and in the same breath really not so serious. Similar to feeling significant and yet totally insignificant. I find humour really does defuse the tension of these paradoxes. So in an answer to your question, I think having a laugh in life, especially laughing at ones imperfections, is crucial and I like to show that in my work. I have a sense My Still Life is Better Than Yours - Flowers Print by Soozy Lipseyof humour – its a way to really connect with people. Knowing how to really laugh at life is a skill I think and so wit is something I really admire in people.

R: Your work beautifully captures the unexpected to produce both whimsical and macabre emotion. How do you perceive your own work? 

S: I think some of my work really plays with the tensions: life and death, light and dark and weak-strong. l think my work has different levels of interpretation but if it doesn’t disturb the viewer in anyway, then I fear my work is just passing people by which isn’t of much interest to me. Being disturbed keeps us awake. A ‘Do not disturb ‘ sign is not something I would hang anywhere near my artwork.

Doing it George's Way Print by Soozy Lipsey

R: Re-imagining and revitalising vintage art is something you adopt within your work frequently. What’s the feeling behind it? Is there a reason you choose to do this?

Desire at it's Very Best by Soozy Lipsey

S: I think the past is where we draw our wisdom our guidance – it’s incredibly important. One of my favourite Quotes is from a Danish philosopher, Kierkegaard. He says ‘Life can only be understood backwards, but must be lived forwards.’ I think anything with a sense of history has a quality about it that new things just do not have. I am drawn to these qualities intellectually, aesthetically and emotionally. I like to revisit something with a sense of age – something that has existed for sometime and then change it. Therefore, it embodies a new lease of life.

 

An example of that was buying an old picture of a vase of flowers and cutting it in half and hanging just half the picture. The idea behind this was to offer the viewer just half the story, the rest was up to the viewer to imagine. I liked the idea that the discarded half remains in the past. It also played on the human drive to always be desiring, and by withholding half the picture the viewer would hopefully be in a state of momentary satisfaction as I had left them desiring the other half or even imagining it. I hadn’t given them everything, which hopefully captured their attention for longer than I would have had I just hung the full picture.

R: What’s your process when creating a new piece? Do you have a “routine” or a method you stick to or does it flow much more naturally?

S: There usually is no great plan other than trying my very best to do what I perceive is my job as an artist. This being to keep myself on the outside of most conventions, especially routine because routine and habit can dull the senses. It makes us spoilt and complacent and even entitled. I think it’s the artists role to look at life with a sense of enquiry. If my work embodies that even a fraction, then whatever material or style I use is irrelevant really.

R: What are you favourite mediums/materials to work with? And what are your favourite themes/subjects to capture?My Portrait is Better Than Yours Print by Soozy Lipsey

S: I like print as it’s accessible and affordable which is a key thing for me – art can be purchased by a wider audience. I love old objects, paintings and great thinkers, philosophers and tubes of paint. My favourite themes would have to be the human condition.

The Meeting Print by Soozy Lipsey and Dan Hillier

R: How do you keep your studio/workstation? Is it rather neat and tidy or could it be considered its own work of art?

S: It’s a total mess when working on something. The idea of anything ‘becoming’ that doesn’t generate mess is a mystery to me. Birth is messy business, after all. Neat and tidy is something I like to visit once in a while just to ground myself and to pretend I have everything under control.

R: You’ve previously collaborated with Dan Hillier to produce ‘The Meeting,’ beautifully capturing your unique styles together. Have you got any future collaborations in the works? Or is there an artist you would like to work with in the future?

S: I have no plans to collaborate in the near future however, I think collaboration is brilliant! If there is anyone out there who fancies a collaboration, don’t hesitate to get in touch!

R: And finally, do you have a favourite artist?

S: I can’t resist giving a mention to my absolute love, Rene Magritte. He is my hero. I’m not one to put anyone on a pedestal but as far as I’m concerned, his mind and execution of  ideas never cease to disappoint and amaze me. He is a poetic genius!

Soozy Lipsey re-imagines the traditional with contemporary whimsy, adding a touch of the fantastical here, and a dash of the macabre there, for visually provocative aesthetic. Re-purposing existing – or ‘found’ – objects and images, Lipsey transforms nostalgia into the uncanny though combinational techniques. 

Check out all of her work HERE           Check out Soozy Lipsey’s website HERE

The post Get to Know Soozy Lipsey appeared first on artrepublic blog.

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25 Famous People You Didn’t Know Were Girl Scouts

The Girl Scouts are about more than just cookies! The leadership organization, created over 100 years ago in 1912, has over 50 million alumni. For National Girl Scout Day, March 12, here are some of the well-known female leaders, entertainers, athletes, and other amazing women who started out as scouts.

The post 25 Famous People You Didn’t Know Were Girl Scouts appeared first on Reader's Digest.

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If You Work From Home, Here Are 11 Tax Deductions You Need to Know About

While there are plenty of pros to working from home,  the downside is it can cost you plenty. from the high-speed internet to stay in touch with clients to the office chair that keeps you comfy while you work.

Fortunately, the government recognizes this and offers tax deductions to people who work out of their homes. Read on to find out what you might be eligible for if you work from home.

Tax Deductions for Self-Employed vs. Remote Workers

Most of the following deductions apply largely to the self-employed, also known as independent contractors. That’s because when you’re an employee of a company, your company foots the bill for 50% of things like Social Security and Medicare taxes, and withholds the other 50% from your paycheck to pay the rest.

But when you’re self-employed, you’re responsible for both halves — something too many independent contractors learn by surprise when April rolls around and they find out how much they owe in taxes. (Plus, the self-employment tax entry moved from Form 1040 to Schedule 1 for 2018.)

As a rule of thumb, you should set aside around one-third of your self-employment income for taxes.

To offset this additional expense, the IRS allows self-employed workers to deduct certain business-related costs, so long as they itemize each of these expenses on their returns. That means you’ll need to keep detailed records and receipts throughout the year.

What You Can Deduct if You’re Self-Employed

According to IRS guidelines, “To be deductible, a business expense must be both ordinary and necessary.” This includes the following:

1. Home Office

Home office.

If you have a dedicated room or workspace in your home you use solely for business purposes, it counts as a “home office,” and you can deduct a portion of certain home expenses for it. It doesn’t need a fixed partition, like a wall or a door to close, but you do need to clearly identify it as a separate space (i.e., a dedicated corner of your kitchen).

So if your home is 1,200 square feet and your home office is 120 square feet, that means it makes up 10% of your home’s square footage, so you can deduct 10% of the following:

  • Rent (NOT monthly mortgage payments).
  • Utilities (heat, electricity, internet, landline).
  • Mortgage interest.
  • Homeowners insurance.
  • Property taxes.

Remote workers, take note: You can only deduct a home office if your employer asks you to work from home “for the convenience of your employer.” If you’ve negotiated a few work-from-home days to accommodate your own schedule, this does not count.

2. Office Supplies

From staples to printer paper, office supplies are deductible. Just be careful with larger “supplies,” like furniture.

If it’s essential to your business (think: desk, desk chair, filing cabinet), you can probably deduct it. If it’s not (think: picture frames and a second, comfier chair for brainstorming in), you probably can’t.

3. Equipment

You can also deduct any equipment you buy for your business, like computers, printers and accessories (headsets, webcams, etc.), as well as any repairs on these items. If you have a smartphone you use solely for business purposes, you can deduct the cost of the phone and monthly bill.

If your industry requires specialty equipment, like camera gear for photographers, that also qualifies.

4. Software

Do you use a paid invoicing system to bill your freelance clients? You can deduct that. Graphic design software, PDF software, word processing software? You can deduct those, too. As long as you use them strictly for business, any software you purchase or pay for monthly qualifies.

5. Travel Costs

Man waiting in airport lounge using a digital tablet.

If you ever need to travel to visit a client or attend a conference, you can deduct your mileage or airfare. The same goes for any lodging, parking fees and other travel-related expenses you incur on your own dime.

Note, however, that if you’re an employee, you can no longer deduct un-reimbursed employee expenses for business-related meals, entertainment and travel, as a result of the 2018 Tax Cuts and Jobs Act.

6. Meals and Entertainment

Be careful with this category, as it can be all too tempting to write off business meetings that aren’t strictly business.

Coffee meeting with a new client to discuss strategy? Deductible.

Five-course dinner with friends where you spend 15 minutes talking business? Not so much.

As a rule, expect the IRS to limit your deductions to 50% of business-related “entertainment” costs, so keep things modest. For additional guidance, check out the 2018 update from the IRS.

7. Training and Education

You can deduct professional education necessary to run or grow your business, so go ahead and sign up for that course or webinar you’ve been wanting to take.

8. Marketing and Advertising

If you attend a trade show, send out flyers or buy a box of business cards, this counts as marketing, and you can deduct it. Same goes for any fees in connection with a personal website that advertises your services — hosting fees, WordPress theme purchases, etc.

9. Professional Services

When you hire someone to help you with your business, it’s deductible. So keep track of those invoices from the IT pro who debugged your website, the attorney who reviewed a tricky contract and the CPA who put together your tax returns.

10. Health Insurance

You can deduct 100% of your health insurance premiums for yourself and any covered spouse and dependents, if you meet the following criteria:

  • You’re self-employed.
  • Your business is claiming a profit for the tax year.
  • You (and your spouse and dependents) were not eligible for coverage from an employer or under your spouse’s plan during the months you’re claiming.

11. Miscellaneous

Throughout the year, make note of any other expenses that the IRS might consider necessary in the normal course of business. This could include holiday gifts for your best clients (within reason), banking fees, shipping fees, post office box fees, etc.

Kelly Gurnett is a freelance blogger, writer and editor who runs the blog Cordelia Calls It Quits, where she documents her attempts to rid her life of the things that don’t matter and focus more on the things that do. Follow her on Twitter @CordeliaCallsIt.

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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Chrissy Teigen and the Celebrities Who Know How to Sell Being a Mom

Photo Illustration by Sarah Rogers/The Daily Beast

After her whirlwind, $ 200,000 baby shower last week, Meghan Markle left New York with the word “Mummy” hanging from her neck in 18-karat gold.

Royal watchers and fashion writers assumed the $ 850 Jennifer Meyer necklace had been a gift from friends. (Though Gayle King, who had been invited to the soiree, told CBS This Morning that Markle was waiting to open her presents at home in England, with Prince Harry at her side.)

How Markle received the piece is a minor detail. A matter of more urgency loomed large: How can you buy it, too?

Read more at The Daily Beast.

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New ‘Detective Pikachu’ Trailer Presents Unlikely But Lovable Heroes; Here’s Everything We Know

New ‘Detective Pikachu’ Trailer Presents Unlikely But Lovable Heroes; Here’s Everything We Know

You weren't expecting that the first truly great video game movie would also be a Pokémon movie, did you? All signs point to the former being a possibility, with Warner Bros.' live-action adaptation of the Nintendo game Detective Pikachu, starring everyone's favorite snarky voice actor, Ryan Reynolds. 

The first trailer for the upcoming movie (watch it down below) hints that, thanks to Reynolds voicing the title character, this is sort of going to be Deadpool for…

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Derek Hough Says J.Lo Wants To Know When He’s Getting Married & Having Kids | PeopleTV

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SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

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2019 Oscars: Everything You Need to Know About This Year’s Academy Awards

The 91st annual Academy Awards has had its fair share of controversy.
Starting last August, the drama began when the Academy introduced new measures to increase viewership for the awards show. It announced that the telecast would be cut down to exactly three hours, meaning many of the awards would not be televised. Then the drama shifted over to the hosting gig, which the Academy briefly gave to comedian Kevin Hart, then quickly took away.
The drama hasn’t stopped there. There was also the brief introduction of a new award, called “Best Popular Film,” which was met with much criticism from the film industry and beyond, and the news that the Academy wasn’t letting all five “Best Original Song” nominees perform during the telecast.
From who’s hosting and performing to what can be expected during the live telecast, here’s everything you need to know about this year’s Academy Awards.
When and where?
The 91st annual Academy Awards are on Sunday, Feb. 24, at 8 p.m. EST. The ceremony will be held at the Dolby Theatre in Los Angeles and will be televised on ABC.
Who’s hosting?
No one. Briefly signing on to host the ceremony in December, comedian and actor Kevin Hart stepped down from the post after

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Jussie Smollett Alleged Attack: Everything We Know So Far

In the weeks since Jussie Smollett told Chicago police that he was the victim of a homophobic and racist attack, there has been one shocking development after another. Investigators continued to search for the perpetrators of what was initially described as a “possible hate crime” before a grand jury heard evidence that the 36-year-old had staged the assault.

The Empire star reported that he was attacked in the early hours of January 29. Days later, he spoke out for the first time since the incident, stating that he was “working with authorities and [has] been 100 percent factual and consistent on every level.” He also returned to work, performing a concert in West Hollywood before returning to the set of his Fox musical drama.

Smollett appeared on Good Morning America on February 14 for his first interview about the alleged attack. He became emotional at one point, saying that he was “forever changed” and felt “pissed off” by both the incident itself and the skepticism swirling on social media.

A major development in the case came on February 15 when police arrested two possible suspects, but they were released soon after without charges. Multiple reports later surfaced accusing the actor of staging the attack, which he has repeatedly and vehemently denied. However, on February 20, he was charged with felony disorderly conduct for making a false police report.

Scroll down for a comprehensive timeline to stay up-to-date on everything we know about the story so far.

Us Weekly

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Erykah Badu Wants You To Know Reports About Her Stalker Are ‘Overblown’

Erykah Badu has taken to social media to set the record straight about recent reports that a stalker broke into her home.

The eccentric singer shared a video discussing the incident, which she describes as “overblown.”

WFAA reported that a young male had been detained after allegedly trespassing on Badu’s property. A source says the singer referred to him as a “stalker,” adding that he allegedly flew from Detroit to Dallas to meet her and possibly collaborate on a project.

Peep what Erykah had to say about him via the clip below:

 

News of the stalker went viral after Rebecca Lopez at WFAA-TV tweeted that a stalker had been found inside Badu’s home.

“Dallas Police detained a man who was found trespassing in singer Erykah Badu’s home,” Lopez tweeted Monday evening. “Sources say the singer called him a stalker. He was issued a criminal trespass warning.”

Badu responded to the report with a video message, saying: “There was no break-in, stop it. Story overblown,” she explained. “The only thing that happened was there was a kid on Twitter[who] followed me. Had the hots for me. Came over, wanted to look at me. Wanted to do some music with me. Made a bad decision. Decided this might not be the best thing, then left.”

The Grammy-winning artist noted that it was her neighbors who called the cops after the suspicious male wandered around her neighborhood asking where she lived.

“The neighbors called the cops cause some strange kid was walking around asking where Erykah Badu lived,” she says. “Of course that’s a reason to raise a red flag, and everyone got upset. The city is in an uproar because a kid made a bad decision.”

The soulstress is not sure if the officers took the fanatic to jail or “to the bus stop.”


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What you need to know about Victoria Beckham’s show (and her new YouTube channel)

2019 could be VB’s biggest year yet

Victoria Beckham

Victoria Beckham’s second LFW show took place yesterday, with her whole family in the audience and at which her daughter Harper debuted a brand new bob haircut.

Making her London debut last year after several at New York Fashion Week, VB returned to the city to showcase her AW19 collection at the Tate Britain.

Models’ skin was prepped with massages by renowned facialist Nichola Joss before applying The Cream by Augustinus Bader. The result was a glowing, flawless complexion that, according to Joss, would set them up for a busy day of shows.

Make-up legend Pat McGrath and her team perfected the glow before models hit the catwalk, showcasing a collection of comfortable and chic tailored pieces that perfectly captured how the modern woman wants to look (and dress).

Victoria Beckham show

The show was broadcast live on giant screens in Piccadilly to mark the launch of VB’s new YouTube channel, which will be an insight into all things fashion, beauty, and even the Beckham family will make an appearance.

The channel comes as Victoria’s friend, Derek Blasberg, has recently been appointed YouTube’s fashion and beauty director.

‘When Derek approached me, I thought it would be a great opportunity to educate myself and really understand the platform,’ she told Vogue after the show. ‘The videos are going to be everything from fashion to beauty, and my family will be in there as well.

‘I think you’ll get the opportunity to see the real me: me at work, me with the kids and what it’s like being a working mum.’

2019 is going to be pretty mega for VB, who is also about to launch her own make-up line Victoria Beckham Beauty.

Watch this space for Victoria Beckham’s biggest year yet.

The post What you need to know about Victoria Beckham’s show (and her new YouTube channel) appeared first on Marie Claire.

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The First ‘Frozen II’ Teaser Has Us Ready for Fall; Here’s Everything We Know

The First 'Frozen II' Teaser Has Us Ready for Fall; Here's Everything We Know

Six years after everything changed for Disney and for families all around the world, the phenomenon of Frozen is back. One of the most anticipated sequels ever, Frozen II finally arrives in theaters this fall. Anna, Elsa, Kristoff, Sven and Olaf are ready to return to the big screen for another feature-length adventure. What's in store for the gang from Arendelle? We only have a short while to find out.

For now, we've got our first look at the Frozen…

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4 Secrets Debt Relief Programs Don’t Want You to Know (Plus 3 Alternatives)

You’re 30, 60 or maybe even 180 days late on your credit card payments.

Creditors are calling, interest is building and your stress is through the roof.

Then, you see an ad for a company that can seemingly make it all go away — a company that’ll finally get you some much-needed relief from your credit card debt.

What Is a Credit Card Debt Relief Program?

Credit card debt relief isn’t an official term used in the finance industry. It’s a marketing term that debt settlement companies use to play to indebted people’s desire for relief.

The term can be interchangeable with debt forgiveness, debt settlement or debt negotiation. What differentiates debt relief programs is that they’re set up by a company that does the hard work for you.

You may have seen their ads in the mail, on TV or in sidebars while searching the internet. They promise to lower your debt burden, help you avoid bankruptcy and hold your hand every step of the way. The offer sounds really enticing.

But as with anything that sounds too good to be true, there are some strings attached. Here are four things you should know about credit card debt relief programs before you join one.

1. A Debt Relief Program Will Hurt Your Credit

The program works in four steps:

  1. You make payments to the debt settlement company that go into an FDIC-insured savings account.
  2. Once that account is at a certain amount, they will start negotiating your debt.
  3. They contact you for your approval of the negotiated settlement.
  4. They pay that settlement and move on to the next debt.

In the first three steps, your debt relief company will not be making payments on your debts. The primary goal of debt relief programs is to negotiate lower settlements. Continuing to not make payments helps them achieve that goal. But depending on how large your debts are, those steps can take years — and during that time, your credit score continues to drop.

You’ll even keep receiving calls from creditors.

2. They Can’t Guarantee Success in Negotiating Your Debt Down

If you see the word ”guarantee” anywhere in a company’s marketing materials, run for the hills. No one can guarantee any level of forgiveness when it comes to debt.

In general, debt settlement companies do have a good track record in negotiating down debt, because they have insight into a lot of different creditors and previous settlements. But every case is different, and you can’t assume someone else’s success will assure your own.

3. You’ll Have to Pay Taxes on the Forgiven Amount

Contrary to what some believe, the government has no debt relief program. In fact, if you do receive debt relief, they’d like to be compensated for it. You’ll pay taxes on your forgiven debt.

Here’s how to figure out what taxes you might owe:

Let’s say you owe $ 20,000 in credit card debt. First, someone will asses the fair market value of the assets accumulated through that debt. Due to depreciation, that value is likely to be less than $ 20,000. Let’s say it’s $ 17,000. They won’t take your stuff, but hypothetically, if the creditors came and took those assets as repayment, you’d still be $ 3,000 short.

The debt relief program then negotiates $ 5,000 off your bill. You now owe $ 15,000. Woohoo! You’ll be responsible for paying income tax — between 10% and 37%, based on your income — on the difference between the forgiveness amount and what you owed after the value assessment. In this case, $ 2,000.

And that’s just a simple example. It can be unreasonably complicated to figure out what you’ll actually owe in taxes after debt forgiveness, so it’s advisable to hire an accountant to help you with it. (Another expense you’ll have to eat.)

4. They Don’t Work for Free

While debt settlement companies that market their services are now banned from collecting fees from consumers before settling or reducing the consumers’ debt, they still don’t work for free.

Debt settlement companies will charge you on a percentage basis — usually, a portion of your total debt or of the amount forgiven.

Debt Relief Program Alternatives

If you’re ready to pay off your debt, there are alternatives to debt relief programs that can lower interest rates, eliminate fees and improve your financial picture as a whole.

1. Debt Management Plan

A debt management plan, usually offered from a credit union or nonprofit financial organization, is a voluntary program that allows you to pay funds to your credit counseling agency each month. They send those funds directly to your creditors — no savings account involved.

While debt relief programs hurt your credit score, a debt management plan can actually improve your score throughout the 30-60 month program.

You can find accredited credit counselors from the National Foundation for Credit Counseling or the Financial Counseling Association of America.

2. Debt Consolidation

Most debt relief programs won’t accept clients with less than $ 10,000 in debt. If you fall below this figure, a personal loan or balance transfer credit card might be good options for you.

Many types of credit card debt consolidation can lower your interest rate — sometimes down to 0% for up to 18 months — and help you avoid fees. But you have to be ready to commit to paying off your debt within the terms of the loan or card.

3. Do It Yourself

You don’t need a third party to negotiate and settle your debt for you. In fact, many people do it themselves.

It’s not a walk in the park, though. You have to save up money to make lump-sum payments, and it will also do bad things to your credit while you’re in negotiations.

Whatever way you choose to pay off your credit card debt, it pays to be informed on the risks and rewards associated with the different methods.

Do your due diligence and you’ll avoid being scammed on the path to freedom from debt.

Jen Smith is a staff writer at The Penny Hoarder. She and her husband paid off $ 78,000 of debt in less than two years on two less-than-average salaries. She gives money-saving and debt-payoff tips on Instagram at @modernfrugality.

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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Ice fishing is the Zen hobby you didn’t know you needed

There’s nothing like hearing the crunch of ice under your feet as you walk out onto a frozen lake. As the sun rose in the sky one recent cold morning, revealing the mountainous terrain and white forest all around me, I followed a new friend to my new sport: ice fishing. In New York’s rural…
Living | New York Post

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Edgy Octavia Spencer Stars in ‘Ma’; Here’s Everything We Know

Edgy Octavia Spencer Stars in 'Ma'; Here's Everything We Know

Octavia Spencer, who won an Academy Award for her performance in acclaimed social drama The Help, has teamed again with that film's director. Ma, however, is most definitely not a social drama.

Instead, Ma looks to be a positively chilling psychological thriller. Read onward to learn all we know.

Who stars?

Octavia Spencer stars as Sue Ann, better known as Ma. When she is introduced, she appears to be a mysterious character, possibly in a supporting role. Very quickly, however,…

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Danny Boyle’s ‘Yesterday’ Gets First Trailer; Here’s Everything We Know

Danny Boyle's 'Yesterday' Gets First Trailer; Here's Everything We Know

Danny Boyle's music-themed comedy has nabbed a title, Yesterday. Its rather startling premise has also come into focus with the release of its first trailer. Read onward for all we know about the movie.

What's the story?

After an automobile accident during a "mysterious global blackout," a struggling musician discovers that he is the only person on the planet who remembers The Beatles. His "original" songs then cause a worldwide sensation, straining his…

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Are you sure you know the 2018 NFL season? Test yourself with our quiz

Think really hard. You probably know who won MVP, and you should know who won the Super Bowl. But now that the NFL season is over, what else do you remember?
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What This Young Mother Living With HIV Wants You To Know

Masonia Traylor

Source: Masonia Traylor / Masonia Traylor

When Masonia Traylor tested positive for HIV in 2010, the then-23-year-old was in a state of utter shock.

See, since Masonia was a teen, she was adamant on getting tested regardless of being in what she believed were low-risk monogamous relationships. And every year, her tests came back negative, until that day, when it didn’t.

“I thought they were lying, that they got somebody’s blood mixed up with mine,” Traylor told HelloBeautiful.

Three days later, after she went to see an infectious disease specialist it began to sink in that HIV was her reality.

“When they started withdrawing blood from me over and over again, I realized that it was real. This is what was happening and happening to me.”

What she didn’t really expect was what she found out next.

Two weeks later, she found out she was pregnant with her second child. However, with the help of her doctor’s support and taking her antiretrovirals, Masonia gave birth to a HIV-negative baby girl, who has remained negative for nearly eight years.

Traylor, who is currently finishing her degree in public policy, has dedicated her work to being an advocate having served as a campaign ambassador for CDC’s Act Against AIDS, “Stop HIV Together” and Kaiser Family Foundation, “Greater Than Aids- Empowerment & We Are Family” projects. She’s also a blogger and Community Advisory Board member for The Well Project, a non-profit organization geared for women living with HIV/AIDS.

For Traylor, she shares her story so that other Black women will see that HIV can happen to anyone.

“I started off as a voice to be out there for other women to see that if I had HIV, being who I am, they could too,” adding, “I felt like maybe HIV was quietly rising in the community and people needed to know about it because I can’t be the only one.”

She also speaks out as a way to pay homage to a friend who passed away from complications to AIDS.

“I lost a friend to complications of AIDS at a time where I wish I known he had known about my status. I wish he would have known that he wasn’t alone.”

For National Black HIV/AIDS Awareness Day (NBHAAD), the young mother of two and HIV activist talked to us about what Black women to know about this epidemic, why HIV testing is key and why we need to finally erase stigma for good.

HelloBeautiful: Being an HIV advocate, what do you want our community to know?

Masonia Traylor: I want for us to understand that we have to care and pay attention if we want this epidemic to shift substantially instead of only progressively. I need my community not to feel forced to accept that I have HIV/AIDS but to respect my journey of living with it.

Not to mention, education is an important step towards ending the epidemic but so is taking a stand in our community and honoring values around our sexual health to protect one another. That will put us closer to a cure then we’ll ever need.

HB: What do you have to say to other Black women who don’t think HIV can happen to them?

MT: The first word of HIV is human. And as long as you’re human, you’re at risk for this disease. If anything, we shouldn’t be the last ones to think that we can be diagnosed with HIV, we need to be the first ones. And we need to not only protect the next generation to come, but be extremely overprotective of our own health more than anybody else.

That, and protecting Black women, protecting ourselves, automatically ends up protecting Black men because they end up respecting us more because we respect ourselves.

HB: Even in 2019, there is still so much stigma surrounding HIV. Why is erasing stigma so important?

MT: As a community we need to erase stigma to help encourage those living with the virus to not be afraid nor ashamed to forgive themselves, save themselves, and our community.

Stigma inflicts pain, and digs deep scars across our minds and hearts. In order to live unapologetically strong, support is needed and destigmatizing HIV/AIDS needs to be erased in order to be supportive.

HB: Why everyone should get tested for HIV?

MT: First off, I don’t think testing everyone is realistic due to certain laws [that require patient’s consent to get tested for HIV] and not everyone wants to know their status. And we should respect that choice.

However, I wish everyone would get tested just to help slow down transmission and get control of the spread of this disruptive virus. Although I believe that getting tested is not enough prevention, however testing saved my life and has spared many others. Testing keeps unborn babies from being born with HIV/AIDS too. I think it’s better to know what’s going on in your body then to wait and your body suddenly shuts down due to not being proactive of your health.

Take care of your health and your body will take care of you. Testing is part of that.

HB: Finally, in a world that tries to shame people for being HIV-positive, how you live with HIV with NO shame?

MT: I’m able to live unapologetically with HIV because I understand that no one can judge me harder than I judge myself. I have forgiven myself for trusting someone else with my life over trusting myself more.

I understand how I can and cannot transmit the virus. I have birthed an HIV-negative baby as proof that I can still live a normal life. I KNOW that if it can happen to me that no one is exempt nor excluded from possibly contracting HIV or developing AIDS. Like I said earlier, I understand that the H in HIV stands for HUMAN which means that as long as you are human it can happen to you.

I’m not ashamed of another’s fear.

This interview has been edited and condensed for clarity.

Follow Masonia on Twitter @masoniatraylor

Learn more about HIV/AIDS at cdc.gov and thewellproject.org

[ione_media_gallery id=”98648″ overlay=”true”]

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Life & Style – Black America Web

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Investing for Beginners (Seriously, if You Know Nothing, Start Here)

If you’ve spent so much as 10 minutes reading a personal finance blog — and clearly you have — chances are, you’ve heard that investing is one of the best ways to put your money to work for you.

The power of compound interest can turn even modest savings into an appreciable nest egg over time. And best of all, it’s passive income.

But if you’ve never put money into the stock market before, the prospect can be overwhelming. What exactly does “buying stocks” even mean? And what kind of account do you need to get started?

What Is Investing, Anyway?

Investing is a way to build wealth by purchasing assets today that you anticipate will grow in value, yielding a profit over time.

There are many different ways to invest, including purchasing tangible items (like real estate or fine art) with the intent of selling them later. But in this post, we’re going to be focusing primarily on stock market investments.

Investing for Beginners: A Quick Vocab Lesson

A collage of financial information on computer screens.

One of the first things new investors come to realize is how much lingo there is to know. It’s hard to feel confident about spending your money on stocks, bonds or mutual funds when you’re not even sure what any of those words mean!

The good news is, nobody knows what they’re talking about (or which words to use) when they’re first getting started. Here’s a quick vocabulary rundown.

Stocks

The stock market is what we call the abstract space where investors buy and sell investments. There are many different types of investments, or “assets,” you can buy and sell on the stock market.

Stocks are shares, or small pieces of asset ownership, of a company. Stockholders earn money when the company performs well and increases in value — but they’re also vulnerable to losses if things don’t go as well as hoped. Thus, stocks can be a relatively high-risk investment.

Bonds

Bonds are another common type of stock market investment, but they work differently than stocks do. Bonds are actually debts owed by corporations or, more commonly, governments.

When you purchase a bond, you’re essentially lending your money to the bond issuer. Bonds help investors earn money by accruing interest — and because bond issuers are obligated to repay their debts, they’re considered a safer investment than stocks.

What’s more, bonds are repaid after a fixed amount of time and at fixed rates (which is why they’re known as “fixed-income” assets), making them a reliable source of investment return. However, they don’t have the exponential growth potential that stocks do.

Mutual Funds

Mutual funds are pre-built collections of stocks, bonds and sometimes other types of investment assets, like real estate, which are created and managed by financial professionals.

Investing in mutual funds allows individual investors to buy a diverse segment of the market without doing all the research and footwork to assess individual stocks themselves.

Index Funds and Exchange-Traded Funds (ETFs)

These funds are similar to mutual funds in that they include a basket of different assets, but they’re not generally actively managed by a live human being. Instead, index funds are created based on a specific market index, like the S&P 500 or the Dow.

A market index is a representative collection of stocks that are used to track the performance of an area of the market.

Exchange-traded funds might be collections of companies that share industries, geographical locations or market capitalization — that is, the total dollar amount of the shares of the company available on the market.

Unlike mutual funds, they’re also traded throughout the day on the exchange, which may make them a better option for investors looking to play a more active role in their portfolios.

Investment Portfolio

Your investment portfolio is the collection of all the investments you make and keep, otherwise known as your “holdings.” For example, you may have 12 shares of Corporation X, 27 shares of Corporation Y and 17 shares of an ETF which includes stocks, bonds and real estate.

Phew! It really is a word salad, huh? Now that you’ve got a better handle on basic investing terms, let’s learn more about doing some actual investing of your own.

How to Get Started With Investing

How best to get started investing will vary depending on your personal financial goals, as well as the amount of money you can afford to put toward your growing portfolio.

But if you don’t have a whole lot of extra cash lying around, don’t worry; there are many ways into the world of investing, even if your initial investment is only $ 100 (or less!).

Saving for Retirement

Aside from building wealth in general, one of the most common investing goals is to save for retirement. If that goal’s on your list, you’ve got lots of investment vehicles to choose from.

For example, if your employer offers a 401(k), contributing part of your wages to that company-sponsored retirement account is a way to get started investing. And if your benefits package includes an employer match, you’ll definitely want to take advantage of that — it’s free money!

Depending on your plan, you may have just a few curated investment options to choose from or access to a wide variety. (Psst — we’ll talk more about some basic investment skills in a second, so don’t hit that “buy” button just yet!)

Types of Investment Accounts

Even if you don’t have access to a 401(k), you can open a retirement plan like a traditional or Roth IRA — that is, individual retirement account.

These are investment accounts designed specifically for retirement, which are governed by special rules and tax incentives. For instance, contributions to a traditional IRA are taken pretax today, but they’re later taxed upon withdrawal; Roth IRA contributions are taxed now but grow tax-free.

And in both cases, it’s not as simple as pulling your money out whenever you want; except in specified circumstances, you’ll need to wait until you reach age 59 1/2 to fully access that money.

IRAs are available through a huge range of financial firms, from nationwide banks like Chase to brokerage firms like TD Ameritrade. Financial companies like these may also offer brokerage accounts, which aren’t subject to the same special rules and regulations as investment vehicles built specifically for retirement.

A brokerage account allows you access to a trading interface where you can purchase individual stocks, bonds or ETFs, creating your own portfolio from scratch. But if you’re not feeling up to DIYing your investments, you can also use a robo-advisor, like Ellevest, which will allocate your assets for you.

Apps, ETFs and Automatic Contributions

A phone displays a money saving app.

Only have a few bucks to spare? Apps like Stash and Acorns make it easier than ever to get started investing with as little as $ 5, and they offer curated ETFs to help you diversify your holdings.

You can also set up regular, automatic contributions, which will fuel your portfolio’s growth over time.

Basic Investing Strategies to Know Before You Go

Now that you’re versed in the lingo and you’ve got the lowdown on a few accessible investment options, there are just a few more things you need to know before you take the next step and become an investor yourself.

Since all investments involve some risk, it’s imperative to be prepared and informed on how to best mitigate those risks ahead of time.

Don’t Overcommit

Perhaps the most important investment strategy is one you’ve doubtless heard before: diversification. Diversifying your portfolio means purchasing a wide range of assets, including different types of holdings and different issuers.

Why is diversification so important? Well, it’s just like that old saying about not putting all your eggs in one basket. If you drop that over-laden basket and don’t have any other eggs in reserve, you’re in a messy situation.

Similarly, when market values fall, your portfolio will have a lot more margin for error if you’ve got a variety of holdings. If one of the companies you own stock in goes under, for instance, you won’t be entirely sunk if you own shares of other firms — and some government bonds, for good measure.

Diversification is one of the reasons mutual funds, index funds and ETFs are so popular among new investors.

However, some of these funds do come at an additional cost — particularly mutual funds, which are actively managed by a financial professional. That’s why it’s important to check out the expense ratios before making your purchase decision, especially if you don’t have a lot of investment capital to work with.

Do Your Homework

No matter what types of investments you’re most interested in owning or how you go about getting started, research the assets you’re considering, keeping both historical performance of interest rates and current events in mind. You might even consider hiring a financial advisor to help you make your decisions.

Although no investment is a sure thing, putting your money in the market feels a lot less like a harebrained bet when you have evidence and reason behind your choices. Investment advisors can help you assess your risk tolerance and make more informed investment decisions.

Keep Calm When the Market Gets Rough

And finally, keep in mind that investing is a long game, and market fluctuations are an everyday reality. Although it can be tempting to rip your money out of the market as soon as you see a scary headline, if you diversify your holdings and sit tight through the lean times, the market usually corrects itself.

Even taking major recessions into account, the market’s overall growth curve is historically positive — and stashing your cash under the mattress (or even in a traditional savings account) can’t come close to the earnings you can glean through compound interest.

Good luck, new investor!

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

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

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‘Wicked’ Sets 2021 Release Date; Here’s Everything We Know

‘Wicked’ Sets 2021 Release Date; Here’s Everything We Know

Somewhere, over the next few years, a movie of Wicked will finally be made. Universal Pictures has long held the rights for an adaptation of the hit Broadway show, which itself is based on the popular novel of the same name that revises the story and characters from The Wizard of Oz. The studio has set a few different release dates throughout this decade, but now the screen version is aiming for a late 2021 opening.

That gives Universal a couple years to still finalize the details and get…

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Butterflies know exactly what they’re looking for in a partner: Themselves

law of attraction

Love is a strange thing. Everyone can come up with at least a brief list of things they find attractive in a mate, but sometimes we find ourselves drawn to people for totally explainable reasons. But the same isn’t necessarily true for other members of the animal kingdom, and butterflies, for example, seem to have streamlined things quite a bit.

Authors of a new research paper published in PLOS took a close look at Colombian butterflies in order to get a better idea of how they choose who to reproduce with. What they found was that when it comes to the search for a mate, butterflies are really just looking for themselves.

Continue reading…

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Butterflies know exactly what they’re looking for in a partner: Themselves originally appeared on BGR.com on Thu, 7 Feb 2019 at 23:07:48 EDT. Please see our terms for use of feeds.


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New ‘Captain Marvel’ Teaser Goes Higher, Further, Faster; Here’s Everything We Know So Far

New 'Captain Marvel' Teaser Goes Higher, Further, Faster; Here's Everything We Know So Far

Captain Marvel, the 21st entry in the Marvel Cinematic Universe, will mark the mega-franchise's first movie focused on a single female superhero, and the first to be co-directed by a female filmmaker and scored by a female composer. The highly anticipated film, which will take place more than 10 years before the MCU began, has been in development since 2013 and finally flies into theaters in early 2019. 

A new teaser trailer TV spot arrived during Super Bowl LIII with a…

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New ‘Avengers: Endgame’ Teaser Lines Up the Leftovers; Here’s Everything We Know

New ‘Avengers: Endgame’ Teaser Lines Up the Leftovers; Here’s Everything We Know

Ever since the devastating ending of Avengers: Infinity War, moviegoers have been dying to see what happens next and find out just what's become of not only half of Earth's Mightiest Heroes, but the whole Marvel Cinematic Universe. The fourth crossover tentpole of the franchise, Avengers: Endgame, will see theatrical release just under a year later, hopefully with all our questions answered. 

The first trailer for Endgame has now arrived to give fans hope that the surviving…

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‘Scary Stories to Tell in the Dark’ Teases Four Terrifying Creatures; Here’s Everything We Know So Far

‘Scary Stories to Tell in the Dark’ Teases Four Terrifying Creatures; Here's Everything We Know So Far

If you’re a child of the ‘80s or ‘90s, you’re familiar with Scary Stories to Tell in the Dark. The series of children’s books, written by Alvin Schwartz and initially illustrated by Stephen Gammell, were staples of every boy and girl’s book shelf and provided so many of them with so many nightmares. Now there’s a movie adaptation of some of the bone-chilling tales found in the pages of that iconic collection.

Our first look at the movie came in the…

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Lori Harvey: 5 Things To Know About Steve Harvey’s Stepdaughter Who Has Been Linked To Trey Songz

Who is Lori Harvey, the model and equestrian champ that Twitter bowed down to after rumors claimed she had Trey Songz, Future and Justin Combs ‘on rotation’? Here’s the 411 on the beauty.

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Kamala Harris Bio: 3 Things You May Not Know About the Presidential Candidiate

After years of demurely dodging the “Will you run for president” question, Kamala Harris officially declared yes in Oakland, almost two weeks after the release of her memoir, The Truths We Hold (Penguin Random House; $ 30) and left little doubt that her campaign for president had begun.

Harris’s  meticulously planned Oaktown hometown announcement could have felt anticlimactic. To the contrary, it was breathtaking.

The weather was perfect after weeks of rain (an Oakland rarity). The bright sun on Harris’s smile, the swell of the crowds chanting her name and waving her “Kamala for the People” signs, her ease in their presence and in front of the camera, gave it the feel of a great victory speech at the end of a long race.

But this was just the beginning, and the next 22 months will be long and hard. She said it herself, invoking Robert Kennedy. “I do not lightly dismiss the dangers and difficulties of challenging an incumbent president, but these are not ordinary times, and this will not be an ordinary election.

If there was any doubt that Harris is no ordinary candidate, she stamped it out with real swagger when, for a brief moment, in a state where cannibas is legally flourishing, Harris gave her longtime support base a natural high.

For those who knew her less well, there were a few surprises that will no doubt shape how she and her historic run for the highest office in the land are viewed – and they had more to do with the personal forces that have shaped her than with the critical issues she will shape should she become president.

Kamala Harris Bio Facts 

Yes, she’s married. Yes, he’s white.

Douglas Emhoff, 54, is a Los Angeles lawyer and native New Yorker who Harris married five years ago. It’s her first marriage; his second. Harris writes in her memoir that his grown children, Cole and Ella, are named for John Coltrane and Ella Fitzgerald and that she bonded with them over a shared love of music right away.

Kamala Harris Bio

Harris with her husband (Wikipedia)

 

‘Ya mon,’ she’s half Jamaican.

No longer politically correct to simply reduce everyone to black or white, Harris is now most often referred to in the press as black and South Asian-American. A lesser known fact, which she addressed herself yesterday, is that her father, economist Donald Harris, was born and raised in St. Ann’s Bay, Jamaica. At about 1% of the population, courting the West Indian-American vote: Smart move.

Kamala Harris bio

(Facebook)

Yes, sir, that’s her sister chairing the campaign.

Maya Harris, Kamala’s younger sister, is chairing her presidential campaign. A Stanford educated lawyer whose resume includes the Ford Foundation, the American Civil Liberties Union (ACLU), and most recently, MSNBC as a political analyst, this will not be her first rodeo. She was a senior adviser for Hilary Clinton’s 2016 campaign.

Kamala Harris bio

Kamala and sister Maya (Wikimedia)

 

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The post Kamala Harris Bio: 3 Things You May Not Know About the Presidential Candidiate appeared first on Black Enterprise.

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What You Need To Know About Your Thyroid

January is National Thyroid Awareness Month. The thyroid gland is a butterfly shaped organ located in the base of your neck. It releases hormones that control metabolism— or the way your body uses energy.

What is thyroid disease?

Any condition that affects the normal function of the thyroid gland, causing too little or too much production of thyroid hormone. Thyroid disease can also include enlargement of the gland, called a goiter, or development of lumps in the gland, called thyroid nodules.

Why is the thyroid important?

It produces thyroid hormones that are critical in controlling the body’s metabolism by impacting every organ. Thyroid hormones help the body use energy, stay warm, and keep the brain, heart, muscles, and other organs functioning properly.

What is a thyroid nodule and how common are they?

It is an abnormal growth of thyroid cells causing a lump in the thyroid gland. They are common and increase with age.

 Why is it important for African-Americans to have thyroid nodules detected and biopsies early?

The majority of thyroid nodules are benign and do not cause symptoms; however, some thyroid nodules contain cancer. While thyroid cancer rates are similar in Blacks compared to whites; however, we are more likely to have larger tumors that have a less favorable pathology; lower 5-year survival, and higher overall thyroidectomy complication rates. It is therefore crucial to have nodules detected earlier before they enlarge from cancer, which can spread to lymph nodes in the neck.

Can thyroid disease be prevented?
Most thyroid disease in the United States (both hypothyroidism and hyperthyroidism) is caused by autoimmune disease where the body makes proteins against its own thyroid cells, either destroying them (as in hypothyroidism) or stimulating them (as in hyperthyroidism/graves’ disease). We do not yet know how to prevent the development of antibodies against the thyroid.

 Is thyroid disease hereditary?

Some autoimmune diseases of the thyroid, like Hashimoto’s thyroiditis and graves’ disease does run in families. Certain types of thyroid cancer can run in families as well.

 What are different types of thyroid disease and their symptoms?
There are two primary categories of thyroid disease.

  • hypothyroidism, where the thyroid gland is underactive and not making enough thyroid hormone—so everything slows down. Symptoms include feeling cold, fatigue, dry skin, forgetfulness and depression, and constipation.
  • hyperthyroidism, where the thyroid gland is overactive and making too much thyroid hormone—so everything speeds up. Symptoms include racing heart, nervousness and irritability, sweatiness, tremors, anxiety, warm skin, difficulty sleeping, thinning of hair and skin, muscle weakness, weight loss, and menstrual irregularities.

 How often should you get your thyroid checked?

Everyone should have their thyroid physically examined by a physician once/year and have a tsh checked. This hormone stimulates the thyroid gland and if it is too low or too high, it can be an indication of thyroid disease.

If thyroid disease goes undetected what other health issues can it cause?

Severe hypothyroidism can cause severe swelling, impaired mental function, electrolyte abnormalities, hypothermia (low body temperature), and an extremely low heart rate.

Severe hyperthyroidism can cause severe weight loss and muscle wasting, heart failure, and life-threatening abnormal heart rhythms.

Both extreme conditions require hospitalization and immediate treatment.

 Does most insurance cover the cost for treatment?

Insurance covers thyroid hormone replacement for individuals with hypothyroidism (underactive thyroid). Insurance also covers the treatments for hyperthyroidism (overactive thyroid)—medications, radioactive iodine treatment, and/or surgery.

 What causes a goiter?

In the United States, the most common cause is Hashimoto’s thyroiditis, which causes autoimmune destruction of the thyroid gland, resulting in hypothyroidism. Another common cause is Graves’ disease, another autoimmune condition in which the body produces a protein (antibody) that stimulates the thyroid gland and causes it to enlarge and produce too much hormone, resulting in hypothyroidism.

Dr. Golden answers your ‘Text Tom’ questions on the next page.

 

Life & Style – Black America Web

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5 Things to Know About Kourtney Kardashian’s New Man David Dee Duron

Kourtney-Kardashian's-New-Man-David-Dee-Duron
Kourtney Kardashian and David Dee Duron Courtesy of David Dee Duron/Instagram

Keeping up with Kourtney Kardashian’s dating life! The TV personality was recently spotted on a dinner date … and it wasn’t with any of her famous exes. The tall, dark-haired guy she was seen smiling with is named David Dee Duron.

Duron, the brother of Voice season 3 finalist Dez Duron, joined Kardashian for a meal at Nobu in Malibu on Thursday, January 24.

“David is a genuinely sweet guy. He is a good old boy and as American as they come,” a source told Us Weekly. “David’s into football, his family, the Hillsong church and music. He’s a solid, nice guy. David was always the most studious of all his brothers. There really isn’t a more stable, all-around good guy than David.”

Here are five things to know about the new man in Kardashian’s life.

He’s From the South

No Hollywood background here — Kardashian’s new potential love interest has Southern roots, hailing from Shreveport, Louisiana.

He’s a CPA

Unlike his brother Dez, David’s not in showbiz: He’s a staff accountant for Car Saver in Miami.

He Rides Horses

David’s Instagram page is peppered with shots of him astride various steeds. Though not an equestrian like her little sister Kendall Jenner, Kardashian, 39, also has a history with horses: As we saw in a September 2015 episode of the hit E! series, the reality star got familiar with the animals again after taking years off from riding.

He Comes From a Big Family

Like Kardashian, David has plenty of siblings. In addition to Dez, 29, the accountant has four other brothers and sisters: Denny, Dakota, Dawn and Destiny.

He’s Had His Own Brush With Fame

While he may not have a Kardashian level-following (yet!) David has experienced some level of notoriety — his mug appeared on a billboard in May 2015 for his alma mater of Southeastern University in Lakeland, Florida. “Amazing first year at #SEU … I love this place and everyone in it, very thankful to be a part … Oh and thanks for putting me on a billboard,” he wrote on Instagram.

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Ready, set, file: Here’s what you need to know to file your 2018 tax return

The only certainty is death and taxes: The 2018 filing season will kick off on Monday, Jan. 28, even amid the shutdown. Here's what you need to know to make the process a little less painful.
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If you have ‘stomach flu,’ chances are it’s actually norovirus: What you should know

norovirus, also called a stomach flu, is the most common form of foodborne illness in the U.S.
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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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Design Trends and Real Estate: What You Need to Know

As this year draws to a close, the excitement is starting to build for a new year, and for the chance to start fresh with inspirational new trends, colors and styles. Finding the right balance between modern and trendy, while still protecting your home’s equity and appealing to a wide range of buyers, can be tricky. Here are some tips to help you navigate these decisions.

KEEP FIXED ASSETS NEUTRAL Fixed assets such as cabinets, flooring, exterior finishes and tile are more likely to become outdated and cause future buyers to be put off by what they see as a lot of extra work and expense to update.

PLAY WITH PAINT AND WALLPAPER Wallpaper and bold paint, especially in smaller spaces, can add immediate personality and style to a home, but can easily be changed out. Removable wallpaper can range from colorful dots that add whimsy to a nursery to large scale floral murals that add drama to a living room wall.

HAVE FUN WITH ACCESSORIES If there is a trend out there that makes your heart sing, go for it! Cushions, art and accessories are the quickest way to showcase the latest trends without breaking the bank. If the trend you love isn’t popular among buyers, the items can be removed when you do put your home on the market!

THE RULE OF THUMB If it is difficult or expensive to change, stick to more timeless choices. If it is easy or inexpensive to change, embrace whatever trends make you happy! Working with your local real estate and design professionals can help you make the right color, trend and design choices so you can love the home you live in now, and provide an appealing property lifestyle for future buyers! – Text by Karina Strachan, RE/Max Crest Realty, www.remax-crest-vancouver-bc.com

The post Design Trends and Real Estate: What You Need to Know appeared first on Home Trends Magazine.

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Rami Malek Says He Didn’t Know About Bryan Singer’s Assault Allegations

According to a report from USAToday, Rami Malek had no idea about the allegations regarding Bryan Singer, who was recently accused of assault and consensual sex with underaged boys – again. This comes just after he and the rest of this co-workers were nominated for Best Picture.

Malek, who just got his very first Oscar acknowledgment for his portrayal of the Queen frontman, Freddie Mercury, clarified that before he started working with Singer, he didn’t know about the allegations. Rami said they had considered him for the role before they even looked at Bryan as the potential director.

“So I had my head down preparing for this for about a year ahead of time, and I never looked up.” According to Malek, he “didn’t know much” about Singer since he didn’t even really know anything about him until he was given the role as director.

Rami explicitly stated he didn’t hear about the allegations, they were something he wasn’t aware of. As it was previously reported, Singer was fired by Fox during the last weeks of production and was then replaced by Dexter Fletcher.

Rami said that he was grateful to have a person really come through and see the movie until the end. On Tuesday, Bohemian Rhapsody earned four Oscar nominations, including one for Best Picture, just a day before four new people accused him of sexual misconduct.

According to the report from The Atlantic, Singer had sexual relationships with young boys and knew they were under the legal age of consent in the state of California. The singer later released a statement to USA Today which said the journalist has been writing about Bryan since 1997 as a consequence of his “bizarre obsession.”

Malek said that for all of those who enjoyed Bohemian Rhapsody, they can take comfort in knowing that he was fired from the final moments of the movie, so there’s that.

Other people on social media have actually been quite conspirational regarding Bohemian Rhapsody. Some online have suggested that the cast and crew of the flick were tipped off by The Atlantic, and chose to fire Singer at the last minute to avoid scrapping the movie.

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Women’s March 2019 celebrity speakers, locations and everything else you need to know

What to know about the 2019 Women’s March and related events.
FOX News

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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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Jason Reitman is Directing ‘Ghostbusters 3’; Here’s Everything We Know

Jason Reitman is Directing ‘Ghostbusters 3’; Here’s Everything We Know

It’s time to get slimed at least one more time.

Just when the fate of the Ghostbusters franchise seemed up in the air, another installment is in the works. That’s right, as revealed by Entertainment Weekly, Sony is going back to the popular 1980s series that started it all, but the still-rather-secret sequel isn’t totally clear in how it will connect to the old movies starring Bill Murray and Dan Aykroyd.

So far, Ghostbusters 3 (or whatever the movie will be titled) has…

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Episode 9: Lauren Makk on Holiday Decor & Traditions | The Know | Oprah Winfrey Network

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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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Spider-Man Meets Nick Fury in First ‘Spider-Man: Far From Home’ Trailer; Here’s Everything We Know

Spider-Man Meets Nick Fury in First ‘Spider-Man: Far From Home’ Trailer; Here’s Everything We Know

Given what happens in Avengers: Infinity War, the next solo Spider-Man movie is shrouded in secrecy. At least, a lot of the details are. What we do know is the Spider-Man: Homecoming follow-up will be titled Spider-Man: Far From Home and it will supposedly be set after the events of this summer's Avengers: Endgame — if anyone is even still alive after that ultimate Marvel crossover, that is.

Sony dropped the first trailer for Far From Home this…

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Episode 10: Carla Hall on the Soul of Food | The Know | Oprah Winfrey Network

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Kyler Murray declares for the NFL draft: Everything you need to know

Murray has declared for the NFL draft. Can he still play baseball? What are the key dates to pay attention to? Here’s what you need to know.
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The Joy of This Gymnast’s Floor Routine Is Reverberating Across the Internet. Here’s What to Know

If you’re a talented gymnast vaulting extremely high in the air in your immaculate floor routine, and your spirits are even higher, people notice.

So when UCLA shared a video of NCAA champion gymnast Katelyn Ohashi handily earning a perfect 10 score with her gymnast routine to Michael Jackson medley at Saturday’s Under Armor’s 2019 Collegiate Challenge, she got a whole lot of praise from some pretty high-profile people via Twitter.

In the clip, UCLA’s Katelyn Ohashi made sticking a flawless landing after nailing three backflips and landing into a split look like pure fun, and the crowd lapped it up. She did it all with unbridled joy and a million-watt smile to the tune of songs like Jackson’s “I Want You Back,” and Janet Jackson’s “Rhythm Nation.”

That ability has lead the video to garner more than 15 million views of Monday morning, more views than Los Angeles has people.

You’ll want to orient yourself with her athletic career.

Ohashi moonwalked into tying for first place at last year’s Pac-12 Championships with a routine that earned a 9.95 out of 10 on the scorecard, and resulted in a video that got 90 million views. That was her personal best to beat, UCLA coach Valorie Kondos Field told the Los Angeles Times.

She’s since proven she has a cheery online presence, laughing at some of the major shoutouts.

The elite floor exercise athlete competes on the college level. She had originally set her sights on the Olympics, but decided to leave that behind according to The Players’ Tribune. “There was a time where I was on top of the world, an Olympic hopeful,” she explained during the video. “I was unbeatable, until I wasn’t.”

But that hasn’t stopped her from wowing millions of new fans.

According to her official UCLA website bio, the Katelyn Ohashi floor routine, as it is now known, was by no means the first perfect 10 score for the six-time all-American — and two were on the beam.

See some reactions to her latest triumph below.

Sports – TIME

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1.11.19 Computer home appraisals; TikTok app is big with kids – here’s what you need to know

Computer home appraisals might be coming soon. Clark and Producer Joel discuss the pros and cons of this potential change; TikTok is surging in use among kids. Clark tells you what to watch out for if your kids are using this app.

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

Watch the video

The post 1.11.19 Computer home appraisals; TikTok app is big with kids – here’s what you need to know appeared first on Clark Howard.

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Back To School Sale – Get up to 40% OFF stylish footwear at Payless.com

Episode 11: Carla Hall on the Soul of Food 2 | The Know | Oprah Winfrey Network

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Marsai Martin Enters the Big Time in ‘Little’ Trailer; Here’s Everything We Know

Marsai Martin Enters the Big Time in ‘Little’ Trailer; Here’s Everything We Know

You’ve seen Big; now it’s time for Little, a comedy about a wealthy tech company executive who is magically turned back into a kid. That’s not the most amazing story involved with the movie, either: Little is based on an idea pitched by its young star, Marsai Martin, who also become one of the youngest Hollywood producers ever with this project at just 13 years old.

Universal Pictures has just released the first trailer for Little, which looks like a hoot and offers…

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‘Start Here’: Trump speaks from the Oval. What you need to know to start your day.

It’s Wednesday, Jan. 9, 2019. Here’s what you need to start your day.
ABC News: Top Stories

SPECIAL NEWS BULLETIN:

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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

SPECIAL DONATION REQUEST:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

‘Venom’ Sequel Officially in the Works; Here’s Everything We Know

‘Venom’ Sequel Officially in the Works; Here’s Everything We Know

Sony has a new comic book movie franchise, and the studio didn’t even need Spider-Man to make it happen – not on screen, anyway. Venom, a Marvel Comics character associated with Spidey, made his solo screen debut this past fall, and the movie has gone on to gross more than $ 850 million worldwide. Despite critics not liking it (28% on Rotten Tomatoes), moviegoers have been loving Venom and want more.

According to Variety, Sony is giving the fans what they desire by putting Venom 2 into…

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What we know about the flu season so far: ANALYSIS

The worst of the 2018-2019 flu season may be yet to come.
ABC News: Health

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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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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

SPECIAL DONATION REQUEST UPDATE:

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Mike Pence: I Don’t Know Which Ex Presidents Told Trump to Build a Border Wall

NBC

Oops.

When Vice President Mike Pence was asked to name exactly which of President Trump’s predecessors supported his border-wall plan, the former Indiana governor came up empty.

On Friday, Trump stated: “This should have been done by all of the presidents that preceded me. And they all know it. Some of them have told me that we should have done it.”

Read more at The Daily Beast.

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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SPECIAL DONATION REQUEST UPDATE:

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Things All Professional Women Should Know How to Do

Things All Professional Women Should Know How to Do

What are things all professional women should know how to do by age 30, 40, 50, or 60?

So, a loooong time ago, readers had a threadjack on “things all 35-year-old professional women should know/do” — I thought it was a fun discussion, but it particularly stood out because one of my first freelanced stories, back when I was a magazine journalist (before law school), was basically this concept. I don’t remember if it was ever published or not (I vaguely remember the publication going belly-up before the article came out), but I remember making a hard sell to my editor for why all women should know how to tango. 

This is why we probably shouldn’t have 22-year-olds write these things. 

After all, knowing how to tango is great, but if you do NOT know how to tango, do not in any way feel deficient in your life. (In fact, for most of the things on this list, don’t feel deficient if you can’t do them yet.) I thought I’d come up with a few fun things and then turn it over to you guys — what do you think all 35-year-old professional women should know how to do? (Does your answer change if the age changes? What is it for 30, 40, 50, 60?)

ANYWAY. I thought I’d round up my top 5 — I’d love to hear yours!

Five Things All Professional Women Should Know How To Do:

#5: Sing Your Own Praises

Keep track of your own accomplishments, and don’t feel bad about raising them in meetings with bosses, clients, and others.

#4: Say Thank You / Give Genuine Praise

As you become a leader and have more say in whom you work with, being genuinely appreciative and grateful for the skills and work of those around you is an important quality to cultivate. And I don’t just mean the executive team — everyone who’s employed by your company!

#3: Know When to Admit Your Mistakes

I have a Post-it on my computer that says “Grace, Not Perfection” — because mistakes happen! Know when to to admit your mistakes — and when to ask for help. Which leads us to our next one… 

#2: Delegate

You. Can. Not. Do. It. All. Yourself. Say it with me, ladies — learning how and when to delegate in your personal and professional life is super important.

The #1 Thing All Professional Women Should Know How To Do:

#1: Say No

Noooooooooooooooooo. No. It’s a single sentence! It’s ok to say no to professional and personal things. Don’t feel like you need long, wordy explanations or apologies. Just. Say. No.

Readers, over to you — what do you think are the things that all professional women should know how to do? How does your answer differ for, say, a 30-year-old and a 50-year-old? 

Picture credit: Fotolia / Monkey Business.

What things should all career women know, whether by age 35 or in general? Kat shared her top 5 things all professional women should know how to do, including how to sing your own praises, how to say no, how to delegate, and more! Don't miss the comments -- lots of great thoughts from the readers on which skills younger professional women should cultivate.

The post Things All Professional Women Should Know How to Do appeared first on Corporette.com.

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‘Good Omens’ Characters You Should Get To Know Before Watching

There’s a lot of new TV to look forward to in 2019, from returning shows like Big Little Lies and Game of Thrones to reboots such as Veronica Mars and The Twilight Zone. Then there are the newbies, the series that we’ve never seen before… one of which is Good Omens, an upcoming fantasy comedy based on the novel of the same name by Terry Pratchett and Neil Gaiman.

With no official release date yet, Amazon Prime Video has only unveiled one short teaser trailer to whet fans’ appetites since production wrapped back in March 2018. Because it takes its story from a book though, we know a fair bit about the characters — of which there are many — already.

While Good Omens looks to be heavily centred on the complicated friendship between Aziraphale and Crowley (more on those guys later), there’s plenty of other supporting players to meet. So let’s get on with the introductions…

Aziraphale


Welsh actor Michael Sheen takes on the role of angel Aziraphale.

Played by: Michael Sheen

Aziraphale is an angel, who has seemingly been on Earth since the beginning of time. He has lived during many eras from Ancient Rome to Victorian England, all the way through to present day. Heck, he was even around when Eden existed. Despite being studious and highly intelligent, Aziraphale is a pretty nervous, fussy character who’s very proper, dresses smartly and doesn’t enjoy meddling in things that are bigger than himself. He’s not into things that are over-the-top, either — which isn’t great considering he thinks most things in 2018 are — and runs a bookshop in Paris.

Despite angels being described as sexless in the book, it is mentioned that whenever someone meets Aziraphale, they conclude to themselves that he’s “gayer than a tree full of monkeys on nitrous oxide.” While that line is full of implications, it could just as easily relate to his relentless cheeriness as opposed to anything else.

Crowley


David Tennant seems the perfect fit for super-cool demon, Crowley.

Played by: David Tennant

Anthony Crowley, in almost every sense, is Aziraphale’s counterpart. He’s a demon. However, it is said that he’s not so much an angel that ‘Fell from Heaven’ but rather ‘Sauntered Vaguely Downwards’, and the pair came together after making an ‘Arrangement’ to occasionally work together. He was also the snake who offered Eve the apple in Eden and still to this day, has yellow eyes with slitted pupils.

He loves sleeping — so much so that he once snoozed through a whole century — and he’s also fond of music, from soul to classical. His most prized possession is his 1926 Bentley, which can actually be seen in the show’s first trailer. If a tape is left in his car for longer than two weeks, it turns into a ‘Best of Queen’ cassette; something that’s also touched upon in the teaser as it’s set to the band’s track, “You’re My Best Friend”.

In Good Omens, old ‘friends’ Crowley and Aziraphale come together once more to try and put an end to a world-ending event that would destroy the planet they’ve both come to love in the millions of years they’ve been living on it. Talking to Bustle about their characters’ relationship, Tennant described their bond as marriage-like, in the sense “it’s almost deeper than a friendship, because they’ve known each other for such a long time. For all of history. They’re two halves of the same being by the end of the story.”

Adam Young


Up-and-coming actor Sam Taylor Buck will bring Adam Young AKA the Antichrist to life.

Played by: Sam Taylor Buck

So what’s the thing that Aziraphale and Crowley are attempting to stop? A villainous entity? Satan? Aliens? Well, no, none of those scary-sounding things… The twosome are actually trying to prevent an eleven-year-old boy named Adam Young from becoming the Antichrist and bringing about the end of days. You know, the usual Tuesday tasks!

Due to a mistake made by a clumsy nun called Sister Mary Loquacious at the hospital when he was a baby, Young — who was actually intended to be the son of a prominent American diplomat stationed in Britain — went on to live with a family in Lower Tadfield, Oxfordshire. Meanwhile, Warlock Dowling, the child believed to be the Antichrist (as he went on to live with the diplomat), is just an average boy.

Young is described in the book as charismatic and otherworldly. He’s a member of a gang called ‘the Them’ along with his three friends Brian, Wensleydale and Pepper and he’s largely unaware of his supernatural powers. That is, until one day, when he naively tinkers with his abilities and the Four Horsemen of the Apocalypse rise and threaten Earth. Uh oh!

Archangel Gabriel

Played by: Jon Hamm

In Good Omens: The Novel, the Archangel Gabriel was merely mentioned, but in Good Omens: The TV Show, writer Gaiman — who has been developing the television series solo since Pratchett sadly passed away in March 2015 — decided to include him in the action because he wanted to play around with portraying Good and Evil outside of Aziraphale and Crowley’s polarised representation.

Speaking at a Q&A during Amazon’s European showcase in London a few months ago, Gaiman explained: “There aren’t any other angels in the book, but Terry [Pratchett] and I had this whole idea of what Heaven was like and what Hell was like and I thought – Gabriel.

“And in order for Gabriel to be Gabriel, he needed to be the best-looking, coolest, the most irritating angel that you could possibly imagine, and I thought, ‘I just need somebody who can do humour’. And I thought, obviously the good-looking bit is going to be a stretch for Jon – but he can do the other bits!”

In one scene that was screened during the event, Gabriel attempts to buy a pornography book. Something tells us, he’s not your typical angel.

Anathema Device


Adria Arjona is no stranger to the fantasy genre having previously appeared in Wizard of Oz spin-off Emerald City.

Played by: Adria Arjona

When it was published, the full title of the book on which the show is based was Good Omens: The Nice And Accurate Prophecies of Agnes Nutter, Witch. Nutter was a prophet, who lived in the 17th Century and used her future-seeing skills to help prevent sickness and cure those who were ill.

Despite her good intentions, it is believed that she was burned at the stake by her local townspeople; not before she shoved a ton of gunpowder and roofing nails into her petticoat and blew up the pyre and injured everyone near it though. Anathema Device is a descendant of Nutter.

Having pored over her distant relative’s book of predictions since she was a child, Anathema travels to Tadfield and seeks out Adam Young in the hope of thwarting the end of the world.

Shadwell


Michael McKean plays witch hunter Shadwell in Good Omens.

Played by: Michael McKean

Sergeant Shadwell is many things: a drinker of condensed milk, a lover of Sunday lunches and, frankly, a bit of a pig. But above all else, he’s a member of the Witchfinder Army, an organisation that hunts down beings who practice dark magic — he often chooses to ignore supernatural occurrences that might be described as ‘good’ — and offs them.

Shadwell’s right-hand man is Newton Pulsifer, a young man who had a brief romantic relationship with Anathema Device. He will be brought to life by comedian-turned-actor Jack Whitehall in the show.

Hastur and Ligur


Ned Dennehy (left) and Ariyon Bakare (right) bring demonic duo Hastur and Ligur to the small screen.

Played by: Ned Dennehy and Ariyon Bakare

Hastur and Ligur are the demons that deliver Warlock AKA The Child Who Isn’t The Antichrist to Crowley when he is just a baby. According to their descriptions in the book, Hastur and Ligur always had a taste for evil, even when they were angels, as Crowley includes them among those who take “such dark delight in unpleasantness you might even have mistaken them for human[s].”

When they discover that Warlock isn’t the bringer of the Apocalypse, the duo are sent for Crowley by the Infernal Authorities which ends disastrously for someone involved in the “collection.”

Harmony and Glozier


The League of Gentlemen AKA Reece Shearsmith, Steve Pemberton and Mark Gatiss (pictured) will unite in Good Omens.

Played by: Mark Gatiss and Steve Pemberton

Lastly, we have Harmony and Glozier, two book-buyers who aren’t very nice guys so we’ve heard. Gaiman was said to have written the roles just for them.

“Glozier and Harmony are a small piece of the jigsaw but hopefully one which will fit nicely into place,” Pemberton told Digital Spy back in February. During the same interview, Sherlock actor Gatiss added: “”I’m delighted to be working with David and Michael again and of course with Steve – bringing a little film noir menace to such an exciting project. Being bad never felt so good!”

The ’90s Curse of the World Cinema Remake

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

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

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

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

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

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

Here are other revelations from the report:

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

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

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

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

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

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

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

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

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

-INSIDER TIPS FOR AFRICAN AMERICANS LOOKING TO PURCHASE A HOME

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

-GOOD SIGN FOR BUYERS: HOUSING INVENTORY GROWING AGAIN

 

 

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

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Watch First, Totally Unnerving ‘Us’ Trailer; Here’s Everything We Know

Watch First, Totally Unnerving 'Us' Trailer; Here's Everything We Know

 

Jordan Peele's "social horror" thriller Get Out was an unexpected success, both with audiences and critics. Soon after the film was nominated for three Academy Awards — Peele himself ended up winning an Oscar for Best Original Screenplay — Peele announced he was writing his next film and planned to direct it for Universal Pictures.

Now the first trailer has been released and it looks totally unnerving. Here's everything we know about the thriller; watch the…

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First ‘Hellboy’ Trailer Arrives Just in Time; Here’s Everything We Know

First ‘Hellboy’ Trailer Arrives Just in Time; Here’s Everything We Know

There’s a new Hellboy on the block. Summit Entertainment’s reboot of the comic book movie franchise promises to be different style-wise than Guillermo del Toro’s 2004 take, but we can still anticipate a similar mix of brawn and banter from the titular demon-spawn character.

Darker is the supposed direction of this Hellboy, though that doesn’t show so much in the first trailer. David Harbour’s version of the big, red not-a-monster antihero is humorous, and the…

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Louisiana investigating hepatitis A outbreak: What you should know

The outbreak makes Louisiana the 15th state to experience an ongoing outbreak.
ABC News: Health

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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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Bella Hadid Gushes Over The Weeknd – He Is The ‘Most Beautiful Person’ I Know!

Bella Hadid and The Weeknd seem to be happier than ever now that they are back together! That being said, while doing a 73 Questions video for Vogue, the supermodel revealed that her singer beau being such eye candy helps make it work as well!

The Hadid sister made it very clear that from her point of view, The Weeknd is very handsome.

In fact, when she was asked who the most beautiful person she knows is, Bella, smiled sweetly and let the world know that it’s her boyfriend!

But that is not even the only time she gushed over him during the interview!

Bella also claims that he is the one who makes her laugh ‘the hardest’ as well!

Handsome AND funny? What more could you want from a significant other?

But when it comes to feeling beautiful, the model made it very clear that instead of relying on the world or her boyfriend to tell her, it’s something she finds within herself!

‘Probably when I just feel healthy and confident in myself,’ she responded.

She went on to give aspiring models some great advice, saying that: ‘The hardest part of the modeling industry is gaining respect from my peers. I think, there is a lot of pretty girls out there, so if you cannot be kind and work hard, there is no reason to do it.’

As fans remember, Bella and The Weeknd reunited earlier this year.

They were romantically involved years ago, but in 2016, they pressed pause on their relationship for a while.

Ever since rekindling their romance, the two have been caught together in public a lot, enjoying their love like never before!

Hopefully, this time around it’s forever for the two!

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

CHARITY UPDATE :

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SPECIAL DONATION REQUEST UPDATE:

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Everything We Know About ‘Once Upon a Deadpool’

Everything We Know About ‘Once Upon a Deadpool’

Whether you’ve already seen Deadpool 2 or not, there’s reason to go again. The sequel, starring Ryan Reynolds as Marvel’s “merc with a mouth,” is returning to theaters under a new title: Once Upon a Deadpool. Well, it’s not quite the same movie, as the name isn’t the only thing that’s changed. What exactly can you expect with the re-release? Here’s everything we know:

What makes Once Upon a Deadpool different than Deadpool 2?

As…

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Everything you need to know about Brooklyn Beckham’s new girlfriend

Sorry ladies but it seems that Brooklyn Beckham has been snatched up once again; the young photographer has been spotted out and about, with a new girl on his arm. Who is she?

REX

Words by Zeinab Batchelor

Sorry ladies but it seems that Brooklyn Beckham has been snatched up once again, and not by any of us.

The young photographer has been spotted out and about, with a new girl on his arm. But who is she?

We’re used to seeing Brooklyn with his ex girlfriend Chloe Moretz, but it seems that the former couple are officially off, with this week seeing not only Brooklyn and his new GF, but also Chloe moving on too with a playboy model.

The name of Brooklyn’s new girlfriend? Hana Cross.

But who is she? Here’s everything we know…

View this post on Instagram

🌞baby

A post shared by Hana (@hancross) on

Birthday: 7th September: aged 21
Star sign: Virgo
Occupation: Model, signed to the likes of Select, Premium Models, the Lions LA. First making her modelling debut with high-street brands like Asos, Nastygal and Topshop, then got the attention of major fashion house Fendi which sees Cross in one of their latest campaigns.
Height: 5’8
Hometown: Chipping Campden, a small market town in the Cotswold district of Gloucestershire.

How the lovebirds met: Hana is close friends with Brooklyn’s cousin, Libby Adams, as seen on many Instagram stories of the two. Libby Adams is the daughter of Victoria’s sister, Louise Adams.

View this post on Instagram

Severe delays

A post shared by Hana (@hancross) on

The young couple has made a string of appearances over the past few months, some less informal like Winter Wonderland and the Mumford and Sons gig last month. However they seemed to up it a notch by attending The British Fashion awards together, on the 10th December, hosted at The Royal Albert Hall.

And while Hana was photographed on the red carpet alongside Brooklyn and his parents, there are reports that they spent time together during the event, even attending an after party in Belsize Park together.

Now, the question that’s on everybody’s lips – has she met the parents?

Yes she has. Hana Cross and David Beckham were spotted at his launch party for Haig Whiskey just a few weeks ago – surely that’s saying something!

What’s in store for Brooklyn and Hana? Only time will tell.

The post Everything you need to know about Brooklyn Beckham’s new girlfriend appeared first on Marie Claire.

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Scott Derrickson to Direct ‘Doctor Strange’ Sequel; Here’s Everything We Know

Scott Derrickson to Direct ‘Doctor Strange’ Sequel; Here’s Everything We Know

There was a time when the Marvel Cinematic Universe was publicly planned out years in advance, but currently, we still don’t know many confirmed titles, let alone their release dates for anything post-Avengers: Endgame next May.

There’s Spider-Man: Far From Home in July for sure, and then what? At some point we expect to see Black Panther 2, Guardians of the Galaxy Vol. 3, Black Widow and Eternals. Now comes word that Doctor Strange 2 is also on the way.

At the moment, the…

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We Are the Pets in Second ‘Godzilla: King of the Monsters’ Trailer; Here’s Everything We Know

We Are the Pets in Second ‘Godzilla: King of the Monsters’ Trailer; Here’s Everything We Know

Five years after the Gareth Edwards-helmed reboot of Godzilla, the sequel is finally stomping into theaters very soon. Godzilla: King of the Monsters will be an even bigger movie, pitting the iconic title creature against three classic foes. Who will win the battle? Well, the next installment is called Godzilla vs. Kong, so let that help your guess.

Still, Godzilla isn’t going to have an easy fight in King of Monsters, as we see in the second trailer. And anyway, humanity…

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Episode 7: Erica Chidi Cohen on Being a Doula | The Know | Oprah Winfrey Network

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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First ‘Avengers: Endgame’ Trailer Arrives as Release Date Moves Up; Here’s Everything We Know

First 'Avengers: Endgame' Trailer Arrives as Release Date Moves Up; Here's Everything We Know

Ever since the devastating ending of Avengers: Infinity War, moviegoers have been dying to see what happens next and find out just what's become of not only half of Earth's Mightiest Heroes, but the whole Marvel Cinematic Universe. The fourth crossover tentpole of the franchise, Avengers: Endgame, will see theatrical release just under a year later, hopefully with all our questions answered. 

The first trailer for Endgame has now arrived to give fans hope that the surviving…

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Everything you need to know about Ebola

The Democratic Republic of the Congo is fighting its 10th outbreak of the Ebola virus. Here is a look at the causes, the symptoms and the history of the deadly disease.
ABC News: Health

SPECIAL NEWS BULLETIN:

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!