What You Need to Know About Kim K’s New Health Drink, Apple Cider Vinegar

Celebrities including Kourtney Kardashian and Scarlett Johansson have long touted the benefits of apple cider vinegar. But once Kim Kardashian got on the bandwagon with an Instagram Story featuring Bragg’s Apple Cider Vinegar in May 2019, the organic, raw, unfiltered vinegar became poised to break through to the mainstream.

Apple cider vinegar, or ACV to the uninitiated, is a wellness staple that’s been used for centuries as a home remedy for everything from soothing a sore throat to helping cure dandruff to aiding in digestion — which is why it has a natural health and homeopathic reputation. Some proponents claim that it works as a weight loss aid because it helps curb hunger. Before we determine whether it’s fact or fiction, let’s understand first what ACV is.

“Apple cider vinegar is made by combining crushed apples, yeast and bacteria, fermenting the apples into acetic acid,” Rachel Berman, RD, general manager of Verywell, tells Us Weekly. “‘The mother’ is what makes ACV cloudy and is a mix of the acetic acid and beneficial bacteria found within.” And the acetic acid is the component that packs a punch.

ACV’s purported wonders — from weight loss to toxin removal — know no bounds, but unfortunately there’s not much research to back it up. “There aren’t any clear studies to substantiate these claims,” says Berman. “Also, there’s a big red flag whenever a product claims to ‘detox’ your body — that’s what your organs like your liver and kidneys are for!”

There is some research to support the claim that ACV can help lower blood glucose, says the dietitian. Though “it’s likely true of any type of vinegar,” she notes. And before you begin consuming ACV, check with your doctor, adds the NYC-based pro. It “may interact with medications.”

That doesn’t mean you should avoid ACV by any means! If you like the taste of apple cider vinegar — which also has beauty benefits and can be found in some natural face toners — go ahead and make it into a salad dressing. If “it replaces salad dressing that is high in artificial or highly processed ingredients, great!” says Berman. You can also dilute it with water and add “a sweetener like Stevia and flavorings like ginger, lemon or cayenne pepper,” if you want to drink it, notes the pro.

And while you can get fiber and other nutrients simply by eating a balanced diet, “ACV does contain antioxidants and probiotics,” she notes. So, again, if you’re a person who can stomach it, feel free to have up to two tablespoons a day.

Scroll through to see the diet-savvy celebrities who swear by the stuff and the benefits they say it gives them.

Us Weekly

BEST DEAL UPDATE:

Alabama doctors want patients to know they’re still providing abortions

Providers at the only three clinics in Alabama that offer abortion services want patients to know their doors are still open.


CNN.com – RSS Channel – Health

BEST DEAL 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!

Everything We Know About the ‘Game of Thrones’ Prequels (So Far)

Prequels are coming. Fans looking for their next fix after “Game of Thrones,” rest assured, plans are already in the works to cash in on George R.R. Martin’s expansive fantasy universe. HBO has been tight-lipped about details, but at least one prequel series has already been ordered with four others in development. Ancient History The […]

Variety

SHOPPING DISCOUNT UPDATE:

‘Aladdin’ Teases a Fabulous Musical Number Led by Will Smith; Here’s Everything We Know

‘Aladdin’ Teases a Fabulous Musical Number Led by Will Smith; 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. 

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

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

What You Need To Know About Leukemia

WHAT EXACTLY IS LEUKEMIA?
Leukemia is cancer of the blood.  Blood has a number of cells in it.  Among them are white cells that fight infection, red cells that carry oxygen and platelets that cause blot to clot and cause wounds to stop bleeding.  Cancer is when a group of cells grow uncontrollably and symptoms are due to too many of those cancerous cells crowding out good cells and preventing their function.

WHAT ARE THE EARLY SIGNS OR SYMPTOMS OF LEUKEMIA?
Signs of leukemia commonly include fatigue, frequent infections, bleeding or bruising, and lymphadenopathy which is a swelling of lymph glands in the neck, armpit, groin or elsewhere.

HOW IS LEUKEMIA DIAGNOSED?
The physician will first use a microscope to look at a blood smear which is blood drawn from a vein put on a glass slide.  Many patients will need a bone marrow biopsy.  This involves a small hole being placed into skin in the lower back/buttocks and a needle being inserted into the bone to withdraw bone marrow from the pelvic bone.

ARE THERE DIFFERENT TYPES OF LEUKEMIA?
There are a number of types of leukemia. We most commonly divide them into acute (fast-growing) or chronic (slow-growing). There are other subdivisions of these two types. A number of laboratory tests are done to determine the specific type of leukemia a patient has. The type determines the treatment and the prognosis.

WHAT ARE THE RISK FACTORS OF LEUKEMIA?
Most leukemias occur for unknown reasons. Most patients who get leukemia are in their 60’s and beyond at diagnosis.There is a cluster of children with leukemia. A small number of families have a genetic risk.

DO WE KNOW WHAT CAUSES IT? IS IT HEREDITARY/GENETIC?
Leukemia occurs when one or more of the genes in a white cell that instruct the cell to stop dividing is damaged and can no longer function. We call that damage a genetic mutation. These mutations are inherited in a small proportion of leukemia patients. These patients are usually children. Most adults acquire these mutations due to some biologic exposure (see below) or the mutation can occur simply by chance.

WHAT TREATMENT OPTIONS ARE AVAILABLE?
The treatments vary by type of leukemia.

Some are treated with traditional chemotherapy, often for several years.

Others are treated with newer molecularly targeted drugs that exploit a genetic weakness that causes the cancer.

Imatinib also known as Gleevec is a molecularly targeted drug used in the treatment of chronic myelogenous leukemia (CML).  Most people with CML do very well and have a normal life expectancy. That was not true 20 years ago.

Some leukemias are treated with immunotherapy.

We infuse manmade antibodies to attack a number of cancers. The leukemia must have a molecular target specific to the antibody in order to be effective.

CAR T cell therapy involves taking a type of white cell called T cells out of the patient, manipulating them to put a CAR (chimeric antigen receptor) on the T cells and re-infusing them. The T cells find the cancer and if successful destroy it.  This therapy has received a lot of press because its cost is $ 500K

Some are treated with high dose chemotherapy and bone marrow transplant.  The patient gets very high doses of chemotherapy that destroys their bone marrow (the bone marrow makes blood). The bone marrow is replaced with bone marrow obtained from a relative or person that is a close match.

WHAT ARE SOME FACTORS THAT DEFINITELY DO AFFECT CANCER RISK?
Tobacco use is linked to a type of leukemia (Acute Myelogenous Leukemia) and can complicate treatment of other leukemias. Exposure to high doses of ionizing radiation can cause leukemia, as can some chemical exposures. Scientists are concerned that exposure to certain petroleum products, pesticides, herbicides and organic chemicals are carcinogenic.

ARE THERE PROGRAMS AND RESOURCES AVAILABLE TO HELP WITH CANCER RELATED EXPENSES?
Some charities will help advocate for the patient to get health insurances to pay for therapy. One, that I know has helped patients is The Patient Advocate Foundation (www.patientadvocate.org). In some circumstances they can also help with co-pay relief.

ARE RESEARCHERS CLOSER TO FINDING A CURE FOR LEUKEMIA??
Some leukemias are curable, most that are not curable are treatable.  Many that are that curable can be treated for a long time with the patient having a reasonable quality of life.  Treatments are improving. Indeed there were 18 new therapies approved by the FDA in 2018 alone.

HOW CAN PEOPLE GET INVOLVED?

The Leukemia and Lymphoma society (www.LLS.org) is the largest private funder of blood cancer research.  They also provide support for patients, survivors, and families affected by leukemia.

The American Cancer Society funds leukemia research and provides patient support (www.Cancer.org). The ACS also has grassroots advocacy through its arm known as American Cancer Society Cancer Action Network   (www.FightCancer.org)

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

 

Life & Style – Black America Web

BEST DEAL UPDATE:

The More You Know: Anyone Can Have PTSD. In Fact, You May Have It Right Now.

Woman sitting home alone

Source: Vladimir Vladimirov / Getty

From May 12-18 it’s National Women’s Health Week, an annual effort put on by the U.S. Department of Health and Human Services’ Office to encourage women to be as healthy as possible. To help observe the week, we’re speaking with experts about everything from mental health, diet, pregnancy, fertility issues and more. 

The first time I thought that I may be suffering from post-traumatic stress disorder, I was on the phone weeping to my mother about my period.

Just a few months prior, I’d experienced a miscarriage. It was my first pregnancy, one that I was overjoyed about. I was elated to the point where I was walking around the baby section in Target, beaming at my thoughts for the near future.

When things didn’t work out as I’d hoped, I was heartbroken, but life had to go on. I opted to miscarry naturally, a process I read online could last a few weeks. Unfortunately for me, the process lasted three months. I bled every day, had contractions that I feared, and sobbed on the toilet while looking down at my reality. For three months, I was held captive to my pain, not fully able to let go of the sadness because my body wouldn’t hurry up and let go of the fetus. When it finally did, I tried my best to be strong, but I realized that so many things ended up being a trigger, a reminder of the grief I’d experienced. I found myself speed walking past that same baby aisle in Target to keep myself from acknowledging the shame I was feeling. When I finally stopped bleeding, and then my menstrual cycle began a few weeks later, I started bawling. I was mentally exhausted and tired of seeing red. I couldn’t do it, even for just a few more days. Sitting on the toilet for too long reminded me of late nights I spent bent over, trying to find any sort of relief. Seeing babies reminded me of what I felt I was missing out on. Before I knew it, I was breaking down in tears on the phone with my mother, telling her that I felt like I had PTSD. At the same time though, I assumed I was being overdramatic. “People who have PTSD have been to wars, seen murders and survived attacks,” I would think to myself. I had experienced something that was sad, but common. I couldn’t be suffering from symptoms of something so serious, right?

According to New York metro area-based mental health professional Cindy Bowers, MA, LMHC, I very well could.

“Symptoms of PTSD can be prompted by any experience, direct or indirect, that is perceived to be traumatic,” she said. “Some examples of experiences that can contribute to symptoms of PTSD consist of witnessing or experiencing accidents and assaults, witnessing death or experiencing near-death events, military combat, significant loss of family members, home, employment and natural disasters.”

Those symptoms, according to Bowers, run the gamut. They can include thinking of your trauma to the point where you struggle to sleep, dealing with a strong sense of fear, avoiding things that can remind you of what you’ve been through, and having bodily reactions to memories of your disturbing experience. Such symptoms, whether one or a few, usually occur for at least a month.

“Following exposure to a traumatic event, one may experience symptoms such as intrusive, involuntary or distressing memories of the event, flashbacks, dreams and night terrors, sleep disturbance, memory loss, persistent negative thoughts and emotions associated with anger, shame and horror,” she said. “They may feel detached from their surroundings, exhibit self-destructive behaviors, avoidance of anything that is reminiscent of the event, and having other psychological or physiological reactions to the event.”

After finding myself an emotional wreck once again, I called my mom. She implored me to seek out a counselor to share my feelings with. While she could hear me out during my breakdowns, she was worried that she wasn’t saying the right things that could truly provide me with the support I needed. I was hesitant about the idea at first, but I couldn’t deny that I just needed someone to truly talk to. Bowers says that those who struggle with dark memories of trauma need to seek professional help. There are many options, including social workers, mental health clinicians, psychologists, psychiatrists and nurse practitioners who are experienced in treating PTSD.

“It is imperative for our community to be educated regarding the many forms in which post-traumatic stress disorder can impact them regardless of race, age, class, or socioeconomic status. Such knowledge equips us to access the readily available resources, such as community mental health clinics, private therapy and non-profit associations that provide linkage to PTSD resources, to get assistance,” she said. “It can also help people who feel they are impacted by symptoms of PTSD to have normalized conversations about their experience and reduce mental health stigma, particularly within the African-American community.”

However one chooses to go about dealing with the disorder, it’s important to know you’re not alone. Per the National Alliance for Mental Health, PTSD is something impacting 8 million Americans. Sadly, in addition, Black people have a higher chance of being impacted by violent crimes, which can trigger symptoms of PTSD.

Aside from seeking professional help, and contacting crisis hotlines when you need immediate help (such as The National Alliance of Mental Illness Helpline and National Alliance on Mental Illness), there are things you can do on your own to obtain some peace. With social media especially providing a lot of triggers for people, it’s important to also know how to cope through self-care by tuning and logging out.

“People can take a self-care approach to PTSD, particularly in the social media age, by limiting their exposure to trauma on social media, TV, or the radio,” she said. “There may be ways to set parameters to this content. Some people also take social media and other related breaks or cleanses periodically.”

“It’s also recommended to engage in a grounding activity,” Bowers added. “That can include a deep breathing exercise, a counting exercise in which one may count backwards from a particular number to de-escalate heightened feelings of anxiety, fear or anger, meditation, describing one’s surroundings to focus on the present, or having an object handy that symbolizes safety. Examples of those things can be furry objects, stress balls, a picture of someone or something significant, and having domesticated animals. Journaling can also be effective.”

I’ve done a little bit of everything to ground myself when I’m feeling emotionally overwhelmed by my memories. I log off of social media sometimes, or I use it to help me by searching for things that are humorous. I also do deep breathing in moments where people ask me triggering questions about my plans for parenthood. Nothing has helped more though than seeking out a counselor, whom I see biweekly.

All of these measures haven’t completely helped me to move on from what’s happened and not look back, but they’ve given me the strength to no longer be consumed by it all. More than a year after the beginning of that traumatic episode, I’m grateful to be where I am at now, because it’s far from where I used to be.

MadameNoire

BEST DEAL UPDATE:

Angelina Jolie Returns as ‘Maleficent: Mistress of Evil’ in First Trailer; Here’s Everything We Know

Angelina Jolie Returns as ‘Maleficent: Mistress of Evil’ in First Trailer; Here’s Everything We Know

Five years after the release of the hugely successful Maleficent, Disney’s live-action retelling of the Sleeping Beauty story from the villain’s point of view, a sequel is on the way. Angelina Jolie reprises her role as the titular fairy for the follow-up, which is called Maleficent: Mistress of Evil, as the misunderstood character’s origin story continues.

The first teaser reveals familiar allies and new adversaries for Maleficent many years since the events of the first…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

Everything there is to know about volunteering overseas


Some people don’t just want to travel the world, they really want to immerse themselves in foreign cultures. One of the best ways to do that is through volunteering overseas as you get to help people out, make a bunch of friends, and live in another country. Here’s everything you need to know about volunteering overseas.

Start with a plan

Hoping to share some love around isn’t enough when you go volunteering, you need to put things in place to get the best out of it. You want to feel good for volunteering abroad but if the work you’re doing isn’t going to help the community should you do it?

It’s important to research all volunteering organizations in the countries you’re planning on living in. Make sure the company is actually going to do some good and aren’t just going to use your free labor to make themselves richer.

Voluntourism

It isn’t cheap

Volunteering overseas can actually end up costing you a lot of money. Even though you’re there for the good of the communities you’re trying to help, you can’t expect a free ride. All volunteering groups will hope for some money from you, so make sure to research where your money goes and what they do with the funds they raise. It might not be something you can afford to do on your own, so you could always try some fundraising techniques to get you there.

Volunteering overseas is addictive

Once you go on your first overseas volunteering trip, you’ll find that you want to do another as soon as possible. It’s very similar to getting bitten by the traveling bug, and you’ll be itching to go somewhere else to help out other communities.

A large part of volunteering is the friends you make and experiences you have. They are moments in your life that will stay with you forever, but one trip likely won’t be enough. Be prepared to dedicate a large part of your life to helping people out!

Some places need your help more

It’s great to help out in popular hotspots like Costa Rica, but there are countries that are less glamorous that potentially need your help even more. Lesser-known volunteering places that are in desperate need of some help include Bosnia, Sri Lanka, and Ethiopia. Your contributions to these societies will arguably go further as fewer people are choosing to volunteer there.

Farm volunteers

You won’t change things overnight

It’s important to have some perspective when it comes to volunteering overseas. When you get there, you might be shocked by the living standards, but it’s important to now that you won’t be able to change everything during your visit. Of course, you’ll be contributing to a great cause and will be making people’s lives better, but the bigger changes will come later.

Rome wasn’t built in a day so you can expect the much-needed changes in the communities you volunteer in to take a little while. Never give up hope though as there will come a time when volunteering won’t even be needed in these communities.

When you head overseas to volunteer, you shouldn’t go blindly. Make sure you plan your trip, know what your time will bring to the community you’re visiting, and enjoy the experience.

The post Everything there is to know about volunteering overseas appeared first on Worldation.

Worldation

BEST DEAL UPDATE:

The US is hurtling toward a potential financial breaking point, and no one seems to know how to stop it

The US government is hurtling toward a potential financial crisis, and no one in Washington seems to know how to stop it.


CNN.com – RSS Channel – HP Hero

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!

Dear Dad: “You Never Know Why God Sends You To A Place” | Book of John Gray | OWN

OWN

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!

Pennywise is Back in First ‘It Chapter Two’ Teaser; Here’s Everything We Know

Pennywise is Back in First ‘It Chapter Two’ Teaser; Here’s Everything We Know

The first chapter of Andy Muschietti’s adaptation of Stephen King’s It was a phenomenal success. Released in the fall of 2017, the movie earned positive reviews and gave the horror genre its best box office debut ever. Two years later, the continuation of its story is one of the most anticipated releases of 2019. Fans can’t wait to return to Derry, Maine, and find out what’s next for the now grown-up Losers Club and see the return of Pennywise the Clown.

We’ve…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

Everything You’ve Ever Wanted to Know About the Stanley Cup in 2 Minutes

“Predictable” is rarely an adjective applied to the Stanley Cup Playoffs. But this year’s NHL postseason has been especially chaotic, with favorites like the Tampa Bay Lightning and Washington Capitals ejected early in favor of long-suffering hockey franchises, like the Carolina Hurricanes and St. Louis Blues.

As the Eastern and Western conference finals are set to get underway, there’s no better time to familiarize yourself with the prize the four remaining teams are after: The Stanley Cup, considered by many the sports world’s most beautiful trophy. TIME recently hosted the Stanley Cup and one of its “keepers,” Howie Borrow, who offered all manner of interesting Cup trivia.

For example: When the bottommost ring of the Stanley Cup is filled with the names of the teams and players who have most recently won it, the topmost ring is removed, retired to the Hockey Hall of Fame in Toronto, and a new ring is added to the bottom to create space. Also: While fans are allowed to touch the Cup, superstition and tradition keep the most loyal hockey fans from doing so (this reporter resisted the urge).

To learn more about the Stanley Cup, watch our video above — and enjoy the rest of the playoffs.

Sports – TIME

ENTERTAINMENT DEAL UPDATE:

Diane Keaton Brings the Cheer in ‘Poms’; Here’s Everything We Know

Diane Keaton Brings the Cheer in ‘Poms’; Here’s Everything We Know

For those who love seeing older women get their time on screen for book clubs, pin-up calendars, exotic marigold hotels and more, now there’s Poms. This time, a cast of veteran actresses is bringing it on and firing it up with a movie about a cheerleading squad for ladies in their twilight years. 

Watch the trailer down below after reading everything we know about Poms here:

Who stars in the movie?

Oscar-winning screen legend Diane Keaton leads the ensemble of Poms, which…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

Season 2, Episode 1: “David Makes Man” at SXSW | The Know | Oprah Winfrey Network

OWN

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!

5 Critical Business Development Truths Every Black Freelance Writer Ought to Know

Choosing to become a freelance writer and turning your writing talents into a profitable career are two very different stories. You can possess excellent grammar and spelling skills, but if you can’t build a profitable business around your talents, your freelance writing dreams are likely to be nothing more than a mirage. Understanding how to turn your writing yearnings into a revenue-focused business is essential for long-term success as a freelance writer. If this is the year you transition from being a wannabe writer to a writing business owner, remember the following five critical business development truths every freelance writer ought to know.

Evaluate the ROI of Your Writing Clients

Walking away from low-ROI, high-demand freelance writing clients is OK. Not every writing relationship offers a significant return-on-investment for your writing business. Learn early on in your writing career how to evaluate the ROI of your clients. Are they helping you grow your portfolio with a byline in a respected publication? Are they paying you enough to meet your revenue-per-hour goals? Do they request multiple revisions on each project, thereby driving down your revenue-per-hour rate? The sooner you learn how to evaluate the ROI of your writing clients, the sooner you’ll build a revenue-positive writing business you can be proud of.

 

Combine a Niche Specialty with a Format Specialty

Chances are good you have already heard the advice to choose a niche to specialize in. However, did you know that choosing a writing format can also help increase revenues for your freelance writing business? Not only should you specialize in an industry, but you should also consider concentrating on one or two types of content. Offer white papers and case studies for the digital marketing sector. Create blog posts for SaaS (Software-as-a-Service) startups. Also, build a reputation as a sales letter copywriter for the affiliate marketing sector. Once you learn the power of combining a business niche with a content format, you’ll kick yourself for not discovering this exceptional career-development hack sooner.

Network Strategically

Your network has a significant influence on lead generation opportunities for your writing business. Find niche-specific forums via a tool like BoardReader.com and offer helpful insights your target clients can use. Build a knowledge-based reputation within your industry, and you’ll soon have to start turning away clients for your freelance writing business.

Consistent Education Upgrades Equals Business Development Mastery

Continuing your education as a freelance writer is essential if you want to enjoy a long and profitable career as an on-demand wordsmith. Immerse yourself in new industries. Learn new writing formats. Study business sectors experiencing rapid growth. Pay attention to which startup sectors are attracting investment capital. Continually increasing your knowledge base makes good business sense. Not only will you be able to attract more clients to your writing business, but you’ll also build a reputation as an expert who can be depended upon to craft compelling content. Developing a deep knowledge base also helps you to transition your writing business and improve client quality while increasing your writing rates at the same time.

Control Your Clients

How much you charge, how you’re paid, and the revisions you offer are within your control. Professional writers don’t allow clients to tell them what a blog post will cost or how many revisions will be required in an article. Writing is a business, and you’re a business owner. You can’t tell the supermarket manager how much you’re willing to pay for your groceries. Don’t allow clients to tell you how much they’re willing to pay for your writing services. Know how much you charge for your writing services and only work with clients who respect your professionalism and honor your business practices.

Remember these five critical truths for freelance writers, and you’ll improve your odds of building a thriving and profitable writing business. Choosing to be a freelance writer is a decision not to be taken lightly. The sooner you start treating your writing career like a business, the sooner you’ll start living your freelance writing dreams.

The post 5 Critical Business Development Truths Every Black Freelance Writer Ought to Know appeared first on Black Enterprise.

Career | Black Enterprise

EMPLOYMENT UPDATE:

Credit Unions vs. Banks: 8 Key Differences You Totally Need to Know About

Managing your finances involves a lot of big decisions: How should you invest your funds? How should you structure your budget? Where the heck should you even store your money?

Credit unions and banks are similar in that they offer the standard checking accounts, savings accounts, CDs (certificates of deposit) and money market accounts, and they typically offer mortgage, auto and small-business loans.

But while the financial products are similar, there are key differences in the way banks and credit unions are structured and the benefits they offer to members.

Credit Union vs. Bank: What’s the Difference?

Banks are for-profit organizations, which means they invest the money you entrust them with and the interest they charge on loans. They use that money to grow the company and pass along dividends to the owners.

Credit unions have a different ownership structure: They are nonprofit and member-owned, meaning dividends, though small, are passed along to every single member instead. Credit union members have voting power and can elect members to the board of directors to ensure they are represented in the credit union’s decisions.

Both credit unions and banks are typically insured through the U.S. government for up to $ 250,000 per deposit account — banks through the FDIC (Federal Deposit Insurance Corp.) and credit unions through the NCUSIF (National Credit Union Share Insurance Fund), which is a part of the NCUA (National Credit Union Administration).

Each type of financial institution has its benefits and drawbacks. Here’s how credit unions and banks stack up across eight essential categories:

1. Interest Rates

The biggest draw of credit unions is the higher interest rates they pay. Because credit unions are member-focused, they prioritize higher interest rates on checking accounts, savings accounts, CDs and money market accounts.

Banks, on the other hand — especially national banks — have high overhead and are profit-driven, so they pay lower interest rates on their bank accounts.

Winner: Credit unions

2. Fees

For the same reasons they can pay higher interest rates, credit unions can offer lower fees on their accounts than banks. In fact, many credit unions offer free checking accounts and free savings accounts, while many banks charge monthly maintenance fees to account holders.

Both banks and credit unions may also require minimum account balances, but banks are more likely to have higher overdraft fees. The higher fees at banks in combination with the lower interest rates can be a real prohibitor to financial growth.

Winner: Credit unions

3. Loans

Erica Chambers, right, and her daughter, Paisley Kinglade, 3, talk with banker Valentina Kurilchenko at Mount McKinley Bank in Fairbanks, Alaska.

Credit union members can also typically get lower loan rates on car loans, mortgage loans, personal loans and small-business loans than members of national banks.

Even better for those with low credit scores? Credit union officers are willing to sit down with you and work out a loan option that fits your unique credit picture. Banks, on the other hand, calculate risk based on credit scores alone and are more likely to reject applicants with low scores.

However, banks are more likely to offer credit cards, though these typically come with higher interest rates.

Winner: Credit unions

4. Rewards

So far, it may sound like credit unions are a no-brainer. But they do have their shortcomings, a major one of which is rewards. While credit unions can offer better interest rates on accounts, lower or no fees, and better loans, banks typically offer better rewards programs — an easy way to make money just by opening an account or buying groceries.

Bank credit cards, for example, are more likely to offer rewards points and cash back, while bank accounts often come with sign-up bonuses. In general, credit unions lack such options.

Winner: Banks

5. Physical Locations

Large banks have brick-and-mortar locations all across the U.S., while credit unions tend to be regional. If your family moves regularly, investing with a national bank can prevent you from having to open and close accounts at every move.

Because big banks have more locations, it is also more convenient to access your funds in person and via fee-free ATMs.

Pro Tip

Ask whether your credit union participates in a shared networks of ATMs. These allow members to deposit and withdraw money at other credit unions’ ATMs.

Winner: Banks

6. Customer Satisfaction

As nonprofit, community-based institutions, credit unions are generally more focused on providing a personalized, friendly customer experience.

Last year, credit union members reported higher satisfaction than bank members in the 2018 FIS Performance Against Customer Expectations (PACE) study. The most important aspect leading to satisfaction across all age groups was trust, a good indicator that the more personalized approach of credit unions may lead to superior customer trust and, as a result, satisfaction.

Small banks, it’s worth noting, generally receive the same customer satisfaction ratings as credit unions because of their more personal vibe and one-on-one interactions.

Winner: Credit unions

7. Technology

Generally speaking, larger banks have had the resources to lead the industry in digital transformation over the last decade. That means better websites and mobile apps, as well as advances in card technology (e.g., chips), mobile check deposit and mobile wallets. However, as time has progressed, credit unions have been inching toward a more level playing field with site redesigns and app updates.

Pro Tip

If you’re concerned about the security of mobile banking, find a bank or credit union that can offer two-factor authentication on all online financial services and products.

Winner: Banks

8. Ease of Joining

Banks are eager to have you open an account with them because you represent a source of revenue. Credit unions can be a little more challenging to join, because membership is limited to those within the “field of membership.”

Typically, your ways into a credit union’s field of membership are through your employer, your place of worship, your physical location or your membership in a specific organization. Many credit unions will also let you join if a family member meets the criteria or if you make a small charitable donation.

Winner: Banks

Summary: Credit Unions vs. Banks

Criteria Credit Unions Banks
Interest rates Higher interest rates Lower interest rates
Fees Lower fees Higher fees
Loans Better loan rates More expensive loan rates
Rewards Typically do not offer rewards Frequently offer rewards
Physical locations Typically regional, meaning fewer locations and fewer ATMs, though more may be available through shared networks Big banks offer locations all across the country with larger ATM networks
Customer satisfaction Superior customer service with a desire to help Can feel colder at big banks, but small banks create a welcoming environment
Technology Behind, but catching up Advanced
Ease of joining Involved; must meet specific criteria Simple

Credit Union or Bank: How to Choose?

Grow Financial Federal Credit Union is pictured in Tampa , Fla.

If you’re keeping score, credit unions and banks are tied 4-4 across the eight factors we considered above.

So how do you know if you should go with a bank or a credit union?

1. Determine what’s most important to you. Do you want to earn a little more from annual dividends and higher interest rates, or do you prefer advanced technology and convenience from your financial institution?

2. Look for the very best of both options. The pros and cons in this article are very general. Individual banks and credit unions may diverge from the norm. You might find a bank with no fees and great loan options, or a credit union that makes it incredibly easy to join and offers a rewards-based credit card. Thoroughly research several banks and credit unions before making a decision.

3. Don’t forget online banking. Managing your finances has gone completely digital. Online banks often offer much higher interest rates than banks or credit unions. Include these in your search.

4. Open multiple accounts. Nothing is stopping you from opening checking and savings accounts with a credit union and applying for a credit card from a big bank. Diversifying your finances can make things more challenging, but it can also get you the very best rates, rewards and features.

Timothy Moore is a market research editor and freelance writer covering topics on personal finance, careers, education, pet care, travel and automobiles. He has worked in the field since 2012 and has been featured on sites like The Penny Hoarder, Debt.com, Ladders, Glassdoor and The News Wheel.

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

BEST DEAL UPDATE:

Sam's Club Membership Offer

Four Things Steve Canal Wants You to Know About Marketing and Branding

Steve Canal was a star college athlete and now is a branding expert. He’s worked with an impressive list of companies including McDonald’s, Facebook, Coors Light, Delta, and Walmart. After some stumbles in his journey, he has learned many lessons of success in marketing and branding. 

For example, Canal worked with the U.S. Army in its branding efforts. That work taught him the value of human connection. He led a national campaign that connected recruiters to potential soldiers looking for opportunities. The campaign involved wrapping hummers and jets in U.S. Army branding and turning them into interactive installations. It gave the brand identity, and made potential recruits feel invited and engaged. 

His work has led him to other marketing and branding realizations from which other entrepreneurs and marketing and PR professions can learn.

Four Things Steve Canal Wants You to Know About Marketing and Branding (In His own Words)

-What leads the campaign is research. I need to know what you’re passionate about, what motivates you, and what you’re trying to accomplish. For example, even though they may offer similar products; Company A and Company B need a unique offering that must be brought to life. You have to understand what’s important to each brand and create a package that says I’m paying attention to you, I know what’s important to you. I don’t call them clients, I call them partners because it’s a two way street.

-Who is the brand? What are they offering, and who are the people who care? Some organizations do focus groups. Take that extra step to get that insight. Times are changing, people are changing, there’s a new mindset within age demographics that don’t think like you as the brand. That’s where localizing your brand comes to play. You must find advisers and champions within those communities to get you that information, and listen to them

-It’s important to know what your strengths and weaknesses are, and find opportunities to make your weaknesses a strength. If you’re super passionate about something or you need to know something then do it. Either way, you must prioritize what’s important for you to be able to do versus what you can outsource.

-Brands need to stop thinking they have all the answers by coming up with campaigns within their walls, and not having any diversity of thought. Many times you get into these rooms to pitch, and across the table there are a bunch of like minded people coming up with campaigns without being where their customer is. Diversity of thought will make or break brands in the future. If you’re not aligned with consumers then they won’t mess with you.


Black Enterprise Contributors Network 

The post Four Things Steve Canal Wants You to Know About Marketing and Branding appeared first on Black Enterprise.

Career | Black Enterprise

EMPLOYMENT UPDATE:

All You Need To Know About Effectively Dealing With Lupus

AN ESTIMATED FIVE MILLION PEOPLE AROUND THE WORLD ARE AFFECTED BY LUPUS, WITH 16,000 NEW CASE OF LUPUS BEING REPORTED EACH YEAR.  IT AFFECTS ONE IN 537 BLACK WOMEN. SINCE SYMPTOMS ARE DIFFERENT FOR EVERYONE, MOST PEOPLE DON’T EVEN THEY HAVE LUPUS.

WHAT IS LUPUS?
Lupus is an autoimmune disease where the body’s immune system attacks healthy tissue. The immune system exists to protect you from illness by sending antibodies AKA “the troops” out when it sees something is wrong.

With Lupus, “the troops” are dispatched when everything is okay, therefore creating a problem where one didn’t exist causing inflammation & other complications. It can attack the heart, the brain, the kidneys, the skin, the blood and more.

WHAT ARE SOME OF THE COMMON SYMPTOMS OF LUPUS?

Symptoms can include fatigue, joint swelling, chest pain, rashes, hair loss, sun sensitivity, fevers, anemia, blood clots. A lot of autoimmune diseases mimic each other and can cause misdiagnosis; I know I received a few. So it’s important to visit your doctor if you start experiencing symptoms.

HOW IS LUPUS DIAGNOSED?
After a patient presents with a number of symptoms, she or he will take several tests including an ANA test that identifies the type of antibodies that are released in the body. People with autoimmune disease will likely test positive. Also other tests checking organ function and other conditions will be given.

Since symptoms don’t tend to pop up all at once, it usually takes about 6 years to get a diagnosis. My timeline was incredibly short because I took note of every new symptom that popped up & then jotted it down in my phone. By the time I ended up in the hospital, I was able to show my ER doctor all of the symptoms I had been dealing with over the course of 6 months or so. I got my diagnosis 3 days after that.

WHAT CAUSES LUPUS?  CAN FLARE UPS BE PREVENTED?
The exact cause of lupus isn’t known, but there are genetic factors, so we as a people need to do better about discussing health issues that run in the family. It isn’t a fun conversation, but it’s a necessary one. I didn’t know until after I was diagnosed, that I had 3 cousins who had lupus.

Flares are when lupus activity is high and illness ensues; there’s usually a trigger. Flares can cause organ failure, and all of the symptoms I talked about to kick into high gear. Every lupus patient is different, so our triggers can vary. I know extreme levels of stress caused by other people and long periods of sun exposure are triggers for me.

To prevent future flares, I eliminated certain people and the things that stressed me out from my life and protect myself in the sun. It was VERY hard, but my health was most important. The only food proven to trigger a flare is alfalfa sprouts.

ARE THERE DIFFERENT FORMS OF LUPUS?
Yes, Systemic, which is the type I have – it affects the entire body; Cutaneous, that affects the skin – rashes, lesions; neo-natal & drug induced. The last two are temporary and the symptoms typically go away.

DOES DIET PLAY A ROLE IN LUPUS? IF SO WHAT TYPES OF FOOD NEED TO BE AVOIDED?
A: I am not a physician, but diet & exercise play a huge role in my ability to live a full life. I was able to identify what food caused inflammation in my body and eliminated them; I dropped meat, dairy, anything processed, and a ton of other things that specifically cause inflammation in my body, including eggplant, Brussel sprouts, chocolate & other foods that aren’t necessarily bad.

I haven’t been on medication for a few years now and maintain a very strict lifestyle. Keep in mind that Lupus is a condition that affects each person differently, so the foods that cause inflammation for me, may not in a fellow lupie.

WHAT IS YOUR OPINION ON CLINICAL TRIALS AND ALTERNATIVE TREATMENT OPTIONS?
I believe those are two viable options for improved treatment & wellness. In my experience, alternative treatment options, have worked out well.

That includes my rigorous diet, high intensity exercise, constantly eliminating stress and finding mental peace. I started my video production company to alleviate work stress & came to peace with having lupus by telling patient stories through video. I found my happy place there.

know a lot of Black people are terrified of clinical trials and rightly so. The history of clinical trials, for us, in this country is vile. Unfortunately because we don’t participate, scientists don’t really know how certain therapies react in “us”.

\So ultimately, when you’re prescribed something, you are participating in a clinical trial, and then hey, we’ll see what happens. We need to get on the front end of this. About 5% of black people participate in clinical trials. This is a brown person’s disease, so we need to be a part of the conversation.

There are regulations in place to protect participants, and not all trials require you to try drug therapies; some are just surveys.

HOW DOES HAVING A POSITIVE ATTITUDE IMPROVE CARE?

I’d like to think I’m a nice person anyway, but it’s important to be nice & positive when you’re in a hospital. Remember that doctors & nurses are people too and while they have to treat you, if you’re rude or not nice, your care may reflect that.

Also, the mind is such a powerful thing, I believe being positive aids in the healing process. You are well because you think you are well; you can be sicker because you think and accept that you will just be sick. Meet your body halfway and get your mind and spirit on board!

WHAT’S THE BEST WHY TO FIND OR CREATE A SUPPORT SYSTEM?

A: When I first diagnosed, I just wanted to talk to some OG’s in the Lupus game and see what life would be like. I was scared. This advice applies to anyone dealing with some sort of dis-ease. Look up local support groups and keep attending different ones until you find your community.

If you live in a more rural area, online support groups and communities are amazing. Also follow folks who inspire you, share your story & ask your homegrown community to keep you accountable for your wellness. Then, reach out to them if you’re dealing with a new symptom or chronic issue, find out if they’ve ever gone through something similar. Trust me, it helps a lot!

WHEN IT COMES TO PAYING ATTENTION TO ONES BODY – WHAT ARE SOME THINGS TO LOOK OUT FOR?

You know you best! Always be aware of what your “normal” is and when it feels off, pay attention. Advocate for yourself, ask your doctor a lot of questions, take notes at your appointment. Don’t just accept things you don’t understand.

Look out for extreme fatigue, and I don’t mean just being tired; fatigue comes with heaviness in the body, and feeling as if you just can’t get enough sleep. Joint swelling, rashes/eczema, unexplained low-grade fevers…a patient will likely present a handful or even just one of these symptoms at a time, so keep track.

WHERE CAN LISTENERS GET MORE INFORMATION?

The internet is a wonderful & sometimes scary place for information so BE SURE to review reputable sites. I do a lot of advocacy work with the Lupus Research Alliance (LRA). Their website is lupusresearch.org. You can also reach me on social at ProducedbyANP.

HEAD BACK TO THE BLACKAMERICAWEB.COM HOMEPAGE

Life & Style – Black America Web

BEST DEAL UPDATE:

Watch First, Fun ‘Sonic the Hedgehog’ Trailer; Here’s Everything We Know

Watch First, Fun 'Sonic the Hedgehog' Trailer; Here's Everything We Know

First released in 1991 for the Sega Genesis game system, Sonic the Hedgehog followed a blue hedgehog as he sought to defeat a villainous scientist named Doctor Ivo Robotnik. The game was well received by critics and the public, inspiring ports to other platforms and many sequels, becoming one of the most popular game franchises in history. Sonic the Hedgehog also appears briefly in a speaking role in Wreck-It Ralph and as a character avatar in Ready Player One.

A feature-length film version…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

Stuff I Know About SEO

stock photo of woman typing on computer

Readers expressed an interest in some “behind the scenes” posts here at Corporette — this is the first in an occasional series. This one is about Kat’s knowledge of search engine optimization (SEO), defined as “the process of increasing the visibility of a website or a web page to users of a web search engine.”

When this blog was only a year or two old, I got extraordinarily lucky: I won a one-hour consult with an SEO expert. I don’t remember where I won it, or who the expert was, but I remember that call like it was yesterday. She looked at my Google Analytics and told me a bunch of interesting things:

  • We were ranking for the phrase “comfortable heels” in Google and I should do everything possible to hang on to that — create more content on comfortable heels, link to it frequently, and in general build and maintain that content. I created our Guide to Comfortable Heels shortly thereafter, and I spend 30–90 minutes every six months updating it, and we’re still ranking for it.
  • People were searching for things like “what to wear to a lunch gala.” (This was back in the old days when you could see searches in Google Analytics; now, 95% of the time you cannot.) But, I asked, confused, what attorneys attended lunch galas? That wasn’t a thing, was it? I don’t know, the SEO expert admitted — but you should make a post titled that anyway so they find you when they’re searching.

I’ve taken a bunch of SEO courses and read a ton about SEO in the intervening decade — to be clear, this is something that other people are experts in, and my understanding is ham-handed at best. Plus, the advice keeps changing, thanks to Google algorithm changes, so it’s a bit of a moving target. Still, you might be surprised how much SEO thought goes into each blog post, or has at least since about 2015 or so:

  • At a very early stage for almost every substantive blog post we do, I ask an assistant to do some quick research on the appropriate keywords. There are seriously fancy tools you can use here, and we have some nice subscriptions to those tools, but we frequently just end up doing Google searches for various ideas. This helps us make sure that the words we’re using get us into the right “stream of content,” and figure out which has more search volume. From there we usually determine which keyword, if any, we think we can rank for.
    • More thoughts on the correct “stream of content”: For example, we had an old post entitled “Calling All Tuckers.” Google doesn’t like such titles because they are unclear, and as you might expect, there are different streams of content around “tucking” — some for shirts, some for drag queens. The goal of our keyword research is making sure that we get in the right stream for us to join the conversation or contribute to the existing conversation.
  • Sometimes we’re already ranking for specific keywords, so we try to use slightly different keywords to get into a different search entirely. We’ve had posts titled “nude heels,” “nude-for-you heels,” “beige heels,” “stylish skin-tone heels,” “nude pumps,” “nude shoes for the office,” and more.
    •  A lot of other bloggers will advise you to take older posts that were optimized for lower volume searches and redirect that post towards a new URL, essentially wiping the first post off the face of the Internet. I almost never do this kind of redirect, though, because of all the threadjacks and off-topic reader comments — so instead, I link to older posts from newer posts. So, again using the Hunt for an example, we frequently say something like, “Curious for older installments? Here were our posts from 2019, 2018, 2017…” and so forth. It would be stronger SEO juice if we used the keywords for hyperlinks instead of the years, but just joining them together is creating a strong link for Google and other search engines.
  • I have yet to find an artful way to deal with a topic that I know we’ll never rank for but still want to try to be slightly smart for SEO. So, for example, you’ll see a lot of silly SEO efforts at things like “Crockpot Recipes for Smart Women!” They make me cringe as much as you do, and I should probably just choose something witty and forget about it. You may also notice that a lot of our stories have an adjective in front of them — STYLISH skin-tone heels, COMFORTABLE work pants — that’s mostly done to try to get out from under the store rankings (which may take up the first page entirely for a search like “skin-tone heels”) and into a more editorial search ranking. 
  • Writing for SEO is a bit like writing a legal memo or brief — it’s a fairly specific style. The same keyword should be used numerous times in each post, as well as in the post URL (that’s usually how you can tell what keyword we’re targeting) and image files, excerpts, meta descriptions, and wherever possible, headers. I usually try to use the base keyword as well as anything else relevant when I post to Pinterest and other social media
  • Speaking of images and Pins — you may notice that Google offers you an option to narrow your search by images instead of words (or videos, or news). Pinterest seems to be very powerful for image searches, so even though I’m less than clear about our social media goals for Pinterest, I try to send an appropriately-sized pin for almost every story to Pinterest, even for older stories. (Next to Facebook, Pinterest is one of our top referral sources.)
  • At the end of every year, we do our big roundup for which stories are the top for Google Analytics and stuff. While I do think those are interesting for readers, as well, we also get a lot of SEO benefit because it helps us see the long tail, which posts are the strongest, which are still surprisingly getting traffic, etc. On a weekly basis, our workwear reports almost always rank the highest in terms of sheer page views, but looking at the blog over the course of a year is a different matter, and it’s always interesting to see where we’re succeeding and failing. Sometimes we have what I think are well-written, useful posts that other outlets aren’t going to have — and if they’re not getting traffic, it’s often because they are poorly optimized. 
  • Another thing to kind of keep in mind about SEO goals is how to reach the ideal reader or our target demographic — so as often as possible in meta descriptions and social media descriptions, I more overarching keywords to draw readers to the site, like “women lawyers,” “work outfits,” and so on. 
  • I spend way too much of my time (personally) updating the SEO on older posts, linking them to other relevant Corporette posts, adding new images, and putting them in the stream of things we send to Pinterest and occasionally to Facebook. I decided a while ago not to have my SEO assistant look for “best keywords” for the older posts; I just go with whatever looks like the best keyword I might be able to optimize the post for based on its already existing content.
  • SEO at CorporetteMoms should be much stronger than it is — if you google “blog for working moms,” I’m not even sure you’d find it in the first 50 rankings. I was following a lot of Pat Flynn’s thoughts on niche SEO at the time I launched the blog, and I think I entirely flubbed it — so all of this is definitely a work in progress. 

Tools I Use for SEO:

  • Yoast (premium plugin)
  • SEO assistant to help me find keywords (I trained my cousin with Yoast courses, to be honest; she only works for me about 5 hours a week now.)
  • SEMrush (for occasional deep dives)
  • Google Analytics and Webmaster
  • Google Trends

Want more of my thoughts on blogging? Sign up for my newsletter and I’ll keep you in the loop!

What other questions might you guys have for behind-the-scenes stuff? Let me know and I’ll consider for future posts!

The post Stuff I Know About SEO appeared first on Corporette.com.

Corporette.com

BEST DEAL UPDATE:

New ‘Men in Black: International’ Trailer Turns it Up As It Goes; Here’s Everything We Know

New ‘Men in Black: International’ Trailer Turns it Up As It Goes; Here’s Everything We Know

Seven years later, Sony wants you to remember the Men in Black franchise and how much fun the first three movies were, but also that you would like to see the series branch off with all new characters in foreign locations. With Will Smith and Tommy Lee Jones retired from this cinematic universe after the original trilogy, Men in Black: International transports the sci-fi action across the pond to London and introduces some new but familiar partners.

The latest trailer for the Men in Black…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

Will Smith Battles Will Smith in First ‘Gemini Man’ Trailer; Here’s Everything We Know

Will Smith Battles Will Smith in First ‘Gemini Man’ Trailer; Here’s Everything We Know

Do you miss the days of young Will Smith, when he was the Fresh Prince of Bel Air and making his mark on the big screen fighting aliens? Or do you prefer the current older version of the iconic movie star, teaming up with fellow baddies for the DCEU and partnering with Orcs on Netflix? What if we told you that you’re about to get both at the same time?

The upcoming sci-fi action movie Gemini Man will pit Smith against Smith, old versus young, thanks to the magic of today’s best…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

New ‘Hobbs & Shaw’ Trailer is All About Family and a Ton of Action; Here’s Everything We Know

New ‘Hobbs & Shaw’ Trailer is All About Family and a Ton of Action; Here’s Everything We Know

If you loved the antagonistic chemistry between Dwayne Johnson and Jason Statham in The Fate of the Furious, you're in luck because there's a spin-off in the works focused on their rivalry. Both actors began their respective roles in the Fast and the Furious franchise as antagonists of the main team, but they’ve become the breakout favorites of the series and will likely continue a new strain of movies to the side of the ongoing central installments led by Vin…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

Thinking About Taking Money From Your 401(k)? Here’s What You Should Know

Although I’m a full-time freelancer now, I remember the days of receiving pay stubs — reading that neat little list of all the places my money was going.

Mostly, I remember how many of those places weren’t my pockets. Federal and state taxes, social security, health care… and, yes, a percentage of my wages deferred to my 401(k), funneled directly toward my hope of future retirement.

This is a personal finance blog you’re reading, so we probably don’t have to reiterate the importance of retirement savings. (Even though we just did.)

But as responsible and saving-savvy as you might be, you probably still want to know: How — and when — can you get those 401(k) contributions back out again?

What’s a 401(k), Anyway?

Before we start talking about how to take money out of your 401(k), let’s talk about how it gets in there in the first place. What is this bowl of alphabet soup, anyway?

A 401(k) is a company-sponsored investment account designed to help you save money for retirement — and it gets you a tax break today, too. You set up a portion of your wages, usually expressed as a percentage of your overall salary, to be automatically deposited, or “deferred,” to your 401(k).

Then, you invest the assets and allow them to grow on the market, slowly but surely building up your nest egg you need to eventually throw in the towel. (Oh, and you won’t pay income taxes on those funds until you take them out, either!)

The really cool thing about 401(k)s is that, unlike many other retirement accounts, your employer can also make contributions — and many employers do, up to a certain percentage of your wages.

This is called an “employer match,” and it basically means free money: For every dollar you defer up to the designated percentage, your employer will put in another, which is a super-easy way to increase your retirement savings.

We don’t have time in this post to go into all the nitty-gritty details about how a 401(k) works, and regardless, you’ll need to check with your company for specifics.

Now let’s talk about how to access your contributions — and capital gains — after you invest them.

Withdrawals, Distributions and Penalties, Oh My!

If you were to head to the IRS website to try and learn more about 401(k) withdrawal rules, you might end up scratching your head. The word “withdraw” doesn’t appear even once in the resource guide.

But fear not: Your 401(k) funds aren’t actually locked away forever. The government just likes to keep things interesting by opting for very specific terminology.

A 401(k) withdrawal is known, in IRS-speak, as a distribution. And there are very specific rules regarding when distributions can be made.

In general, you won’t be able to take money out of your 401(k) — at least, not without incurring a penalty — until one of the following things happens:

  • You reach age 59.5. (You celebrate half-birthdays, right? The IRS is very fond of them.)
  • You die, become disabled, or “otherwise have a severance from employment,” which is ominous-sounding, indeed.
  • Your employer terminates the plan or goes out of business.

If you withdraw your money outside of these circumstances, you’ll be hit with a hefty penalty: a 10% early distribution tax, along with the regular income taxes.

As if that weren’t enough, there are also rules about when you must make withdrawals. You’re not allowed to let your 401(k) contributions grow forever.

Once you reach age 70.5, you must begin taking required minimum distributions (RMDs) from your 401(k) account, unless you are — heaven forbid — still working.

It might feel stifling, having your money restricted by so many ironclad rules.

After all, you earned it, and you did the budgetary shuffling required to afford to put it away. Why shouldn’t you be able to take it out whenever you want to?

Well, for one thing, ripping your retirement savings out of your account is a surefire way to miss out on compound interest, which is how you’re going to turn that measly 3% of your paycheck into a livable retirement income.

And since you’re getting a tax break, the government’s not too keen on having you withdraw your funds willy-nilly.

But there are certain exceptional circumstances in which you can take distributions even if you’re nowhere near your 60th birthday.

What Are the Exceptions?

As strict as the tax code may be, it’s not entirely without humanity. You can make penalty-free distributions from your 401(k) in the following circumstances:

  • You have, or develop, a qualifying disability.
  • You leave your job and the company agrees to remit periodic payments for at least five years, or until you reach the age of 59.5.
  • You’re required by court order to pay the money to your divorced spouse, child, or dependent.
  • You’re paying for medical expenses that qualify for an income tax deduction. The IRS allows you to deduct medical costs that exceed 10% of your AGI, or adjusted gross income (7.5% if you or your spouse is over 65). For example, if your AGI is $ 30,000, you’d be able to withdraw only enough to pay medical expenses over $ 3,000, or $ 2,250 if you’ve already celebrated your 65th birthday.
  • You’ve weathered a disaster for which IRS relief has been granted.
  • You die (😢), in which case the distributions are made to a beneficiary.

You can also take early withdrawals, known as “hardship distributions,” from your 401(k) if you can demonstrate you’re under certain types of serious financial burden.  

However, hardship withdrawals are limited to your elective deferrals only — that is, you can take out the money you put into the account, but not any of the investment gains you might have earned in the meantime.

(It’s up to your employer whether or not you can take out any of those matching funds we discussed earlier, or any other discretionary contributions made by your company.)

You should also note that you’ll still be required to pay income taxes on the distribution — and, if you’re not yet 59.5, the 10% penalty will still apply.

What Qualifies for a 401(k) Hardship Withdrawal?

The No. 1 criterion for qualifying for a hardship withdrawal is “immediate and heavy financial need.” The IRS outlines the following instances where this kind of need may arise:

  • You, your spouse, or your dependents incur medical expenses.
  • You need money to cover costs related to the purchase of your principal residence — but this does not include mortgage payments.
  • You’re footing the bill for higher education costs for you, your spouse, your children or your dependents, including tuition, fees, room and board.
  • You need money to avoid being evicted from your home or having your mortgage foreclosed.
  • You’re faced with funeral expenses.
  • You need to repair certain damages to your principal residence.

It’s important to note that your employer ultimately decides whether or not you can take a hardship withdrawal from your 401(k) plan at all, no matter what your financial deal is.

And if you do take money out, you may be unable to make further contributions for a period of six months thereafter.

401(k) Loans

It’s also possible to borrow from your 401(k) — but just like any other loan, it must be repaid, on time and with interest.

If you fail to meet the terms of your 401(k) loan, the amount you owe back to the plan will become a distribution, and will thus be subject to the same taxes (and early withdrawal penalty) as it would have been if you’d taken it without the intention of repaying it.

Just as with hardship distributions, it’s up to your employer and 401(k) custodian as to whether or not loans are allowed. If they are, you’ll be able to take a maximum of 50% of your vested account balance (i.e., funds you actually own, which may include employer contributions) or $ 50,000, whichever amount is lower.

In most cases, you’ll have five years to repay the loan, unless it’s being used toward the purchase of your primary residence.

If you meet these requirements, however, the loan is not considered taxable income… but you definitely want to make sure you can pay it back on time!

What is the “Age 55” Rule?

Businessman talks on the phone and rides on a train

If you’re almost, but not quite, at the age of retirement, these rules can feel even more stifling — which is why the IRS has implemented a special clause for savers aged 55 and older.

If you’re laid off, fired, or quit your job during or after the year of your 55th birthday, you get to make penalty-free distributions from your 401(k) plan… but only the one you were most recently invested in. That is, if you have other 401(k) accounts languishing from previous positions, you still won’t be able to access those funds until you reach the normal retirement age.

Which is one good reason to roll over your retirement account whenever you change jobs. Speaking of which…

Moving On: 401(k) Rollovers and Transfers

If you get a new job (or quit your career to go freelance or start a business), you may be wondering what will happen to your 401(k).

You might even be considering cashing it out so you can walk into your new life with a windfall. (We’d recommend you don’t, for reasons we’ll dive into in just a second.)

Although it’s not the same as withdrawing the money to be used from your own pocket, rollovers and transfers are another way to move your 401(k) funds — and given how frequently most of us change positions these days, it’s important to understand your options.

Here’s what you can choose to do when you’re leaving a job with a 401(k).

Direct Transfer

Probably the easiest way to deal with a dangling 401(k) is to simply roll it over into your new job’s plan — granted your new job has an eligible plan in the first place. (If you’re moving to a position that doesn’t offer a 401(k) or other compatible retirement benefit, you can roll the funds over into a traditional IRA.)

In a direct rollover, you never get to see the money — your existing plan’s custodian simply routes the money directly over to the new account manager. As such, you won’t have to worry about paying any income taxes or being assessed the early withdrawal fee, because you never have spending access to the funds in the first place.

Indirect Transfer or Rollover

Another option for bringing your 401(k) along with you to your new job is to do an indirect transfer, or rollover.

In this case, you actually do cash out your existing account, but with the intention of putting all the money right back into some other retirement-specific investment vehicle.

As long as you redeposit your entire account balance within 60 days of withdrawal, you’ll avoid paying any taxes or penalties.

However, there is one small fly in the ointment: Your existing account custodian is required by law to withhold 20% of the distribution, regardless of your good intentions… which means you’ll have to make up the difference out of your pocket when you fund the new account.

The money will eventually come back to you as a tax refund — but depending on the size of your 401(k), you might not have the funds to break even in the meantime.

And if you don’t redeposit the entire balance within the 60-day window, you’ll face those same early withdrawal penalties we’ve been discussing throughout the post, not to mention income taxes.

Take the Money and Run

Yes, you can cash out your 401(k) when you leave your job.

But if you do, again: You’ll pay the 10% penalty and add the windfall to your taxable income for the year.

And even worse, you’ll also be stripping yourself of one of the most powerful retirement savings devices at your disposal.

If you ever want to punch the clock for the very last time, you need to have some sort of investment vehicle… unless you’re independently wealthy or something. (In which case, you should still stash the money in a regular investment account so it can grow even more!)

Leave It Where It Is

Another option? Simply leave the funds where they are — as long as your company allows it. (If you’ve only worked there a short time or your account totals less than $ 5,000, they may force you to take it with you.)

Different 401(k) plans have different policies, fees and investment options, so if you’re happy with what your former company offers, you might let the money languish there and continue growing.

Of course, if you switch jobs, say, 10 times in your life and take this tack at each turn, you’ll end up with a scattered mess of a retirement portfolio — and as discussed above, you won’t be able to take full advantage of the age 55 rule.

Taking advantage of your company’s 401(k) plan is one of the very best ways to set yourself up for a comfortable retirement. These investment accounts carry lots of special incentives, including high contribution maximums as well as their tax-deferrable status.

But we get it: Life is expensive! And sometimes, you don’t have the cash you need to get through the present day, let alone some nebulous future moment.

Whenever possible, it’s best to leave your 401(k) funds invested and growing. Compound interest requires time to do its best work, and making early withdrawals can wreak havoc on your nest egg’s potential. It may take hard work and discipline, but future you is counting on your determination!

If you do need to take distributions from your 401(k), however, we hope this guide has offered some clarity as to how, when and why best to do so. (But really: Don’t. We mean it.)

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

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

The Penny Hoarder

BEST DEAL UPDATE:

Sam's Club Membership Offer

We finally know what sharks are afraid of

what sharks fear

If you were given a few seconds to name a sea creature you wouldn’t want to run into during a swim on the beach there’s a good chance you’d arrive at “a shark.” It’s a good answer and, even if shark attacks are relatively rare, it’s hard not to see a shark’s intimidating grin and see it as anything other than a threat.

With that kind of a reputation you might imagine that sharks have very little to fear in the sea. They’re apex predators that have existed for millions of years, honing their skills to become the ultimate ocean killers. As it turns out, even sharks have something to fear, and a new research effort reveals the one thing that strikes fear in the heart of a white shark: an orca.

Continue reading…

Trending Right Now:

  1. We finally know what sharks are afraid of

We finally know what sharks are afraid of originally appeared on BGR.com on Thu, 18 Apr 2019 at 23:07:32 EDT. Please see our terms for use of feeds.


BGR

BEST DEAL UPDATE:

All Deals on HP, Dell and Lenovo!

The best shell bags out there, because you know you want one

I’m calling it: there is nothing in the sartorial world that is more wanderlust-enducing than a shell bag. There is something about the tinkling noise of shells and the texture of raffia that instantly brings lazy beach days to mind.

A natural extension of the shell jewellery trend from last summer, it serves up an equally nostalgic feel, you can totally imagine having made your own from pukka shells collected on the shore. And if you’re into that sentiment, then beaded bags will also bring you joy.

Shells were everywhere on the catwalk for the spring/summer 2019 shows. Risk-taking designers and brands such as Jacquemus, Michael Kors and Oscar de la Renta adorned their accessories with shells during fashion month, and it was love at first site.

Meanwhile, Insta-worthy brands like Marri London and Aranaz put their own twist on the classic basket bag thanks to giant gold-plated and delicate shells, and you can always count on the high-street for budget-friendly options too: we’re looking at you Mango and Zara.

But for all its souvenir appeal, don’t be fooled into thinking this is a holiday-only trend. The shell bag lends itself remarkably well to occasion dressing, and it’s the perfect finishing touch to a wedding guest outfit.

Don’t believe me? Look at Gucci’s mermaid-worthy crystal embellished shell bag or KAYU’s rattan clutch bag. WALD Berlin is also launching its own line very soon and it’s looking pretty spectacular.

That doesn’t mean you can’t put a casual spin on the trend either. Pairing it with a linen bermuda shorts suit and ugly sandals will give you a fresh, urban look, or you can keep things classic with a knitted top and trousers, Riviera-style. Either way, this is undoubtedly the bag of the season, and I can see it easily making its way into my autumn/winter wardrobe too.

Shop my edit of the best shell bags below.

The post The best shell bags out there, because you know you want one appeared first on Marie Claire.

Marie Claire

BEST DEAL UPDATE:

Style Your Home’s Outdoors with All the Perfect Additions from MacKenzie-Childs! Save on Tables, House Letters & Chairs. Shop Now!

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

Final 'Dark Phoenix' Trailer Threatens 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.

The final trailer offers a further peek at action sequences that look truly spectacular, along with greater insight into Jean Grey's plight and the extent of the threat to…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

First ‘Star Wars: The Rise of Skywalker’ Teaser Reveals a Major Villain’s Return; Here’s Everything We Know

First ‘Star Wars: The Rise of Skywalker’ Teaser Reveals a Major Villain’s Return; Here’s Everything We Know

A fairly short time from now, in a theater not too far away, Star Wars: Episode IX is hitting the big screen to close out the Sequel Trilogy and the “Skywalker Saga” as a whole. This movie is going to be a big deal, not only as the finale of a nine-part story (excluding spin-offs and animated features) but supposedly also as the last time we'll be seeing Original Trilogy characters and the last time we'll be hearing an original score from John Williams. …

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

All the Times Trump Has Mentioned WikiLeaks, Which He Now Claims to ‘Know Nothing About’

During a press appearance with South Korean president Moon Jae-In on Thursday morning, President Trump responded to a question about WikiLeaks founder Julian Assange’s indictment with a shrug of the shoulders and a comment: “I know nothing about WikiLeaks. It’s not my thing.”

Trump says that now, but he sure seemed to know plenty about Assange’s site during the 2016 campaign, citing and praising its leaks of stolen Democratic emails regularly at events.

In fact, we counted at least 50 times Trump cited WikiLeak, though there are undoubtedly more: Closed captioning transcribers are less-than-consistent in their presentation of the site’s name. Regardless, we’ve compiled a portion of them above. Perhaps it will serve as a helpful reminder to him.

Read more at The Daily Beast.

The Daily Beast Latest Articles

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!

Trump in 2016: ‘I love WikiLeaks,’ Trump now: ‘I know nothing about WikiLeaks’

President Donald Trump, when asked if he still “loves” WikiLeaks as he said in 2016, told reporters in the Oval Office that he knows “nothing about WikiLeaks.”


CNN.com – RSS Channel – Politics

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!

4 Budgeting Methods to Try if You Don’t Know How to Start Saving

It sucks to wonder where all your money went at the end of the month. Even worse is wondering how all your money is gone when you still have a week left until payday.

If you’ve added up some receipts, you might be flabbergasted by how much you spend on food, clothes or your kids’ activities.

A budget can help. Budgets are designed to keep you on top of the money that comes in and the money that goes out.

But there isn’t just one simple way to budget; budget styles vary considerably. What works for you will depend on your goals and how you prefer to track your finances.

So let’s break down some popular budgeting methods, and you can choose one that’s right for you.

Budgeting Method No. 1: The 50/30/20 Method

Have you ever asked yourself how much you should be spending on necessities as opposed to the stuff you want? Have you wondered what portion of your paycheck should be going to better your financial future? The 50/30/20 budget might be right for you.

How to Budget Using the 50/30/20 Method

Divvy up your money so that 50% of your income goes to covering the essentials, 30% goes to buying what you really enjoy and 20% goes to meeting financial goals.

Let’s say your take-home pay is $ 3,000 per month. That breaks down to $ 1,500 for the essentials, $ 900 for whatever you desire and $ 600 for financial goals.

Some of the necessities you’d spend $ 1,500 on could include:

  • Rent/mortgage
  • Insurance
  • Utilities
  • Internet
  • Phone bill
  • Minimum credit card payments
  • Student loan payments
  • Food
  • Car note
  • Gas

You should allocate $ 900 to spend on the fun stuff:

  • Hulu/Netflix.
  • Dining out
  • Vacations
  • Date nights
  • Movies
  • Clothing
  • Accessories
  • Makeup
  • Magazines
  • Sporting events
  • Concerts

That leaves you with $ 600 to put toward things like:

  • Emergency fund
  • Short-term savings
  • 401(k) or IRAs
  • 529 college savings plan
  • Extra payments on your credit cards

With the 50/30/20 method, you don’t have to lay out how much you’ll spend in individual categories. For instance, you don’t need to set a spending limit on groceries or a cap on how much you spend on date nights as long as your spending stays within the established percentage brackets.

If you like the idea of the 50/30/20 method but can’t stick to those exact percentages, you can also tweak the numbers a bit.

One Penny Hoarder shared with us how her financial adviser recommended she work from a 60/20/20 budget — where 60% is spent on essentials, 20% is saved and another 20% can be spent on fun stuff.

Is the 50/30/20 Method Right for You?

This method is a great fit for people who need guidance on balancing saving, investing and repaying debt.

If you tend to go overboard with your discretionary spending, this budget will keep you in line without making you feel like you have to sacrifice the things you want.

After all, 30% is a pretty generous allotment for fun spending.

Budgeting Method No. 2: The Zero-Based Budget

Type A folks, rejoice. The zero-based budget lays out a plan for every dollar you make, putting you in control of it all.

How to Budget Using the Zero-Based Budget

The goal is to make sure your monthly income minus your monthly expenses (including allocations like putting money in savings or investment accounts) equals zero. There should be no money left over at the end of the month — and no spending more than you bring in.

To get started, analyze your bank statements, credit card statements and receipts from the past few months to get a sense of how much you spend in the budget categories that apply to your life.

Next, assign a spending limit to each of those budget categories. You may need to play around with the numbers a bit until the amount of money you have going out equals the amount of money you have coming in.

Here’s an example of what your budget might look like:

Income:

  • Paycheck No. 1: $ 1,500
  • Paycheck No. 2: $ 1,500

Total income $ 3,000

Expenses:

  • Rent: $ 900
  • Utilities: $ 150
  • Phone bill: $ 80
  • Internet: $ 70
  • Student loan: $ 150
  • Credit card debt: $ 100
  • Car note: $ 300
  • Insurance: $ 150
  • Groceries: $ 300
  • Gas: $ 100
  • Dining out: $ 150
  • Entertainment: $ 100
  • Gifts: $ 50
  • Personal care items: $ 100
  • Gym membership: $ 50
  • Streaming services: $ 15
  • Cleaning supplies: $ 15
  • Clothing: $ 70
  • Savings: $ 150

Total expenses $ 3,000

Is a Zero-Based Budget Right For You?

The zero-based budget is perfect for budgeters who want to be intentional about every dollar. It’ll help you become hyperaware of your finances.

This budget may even tip you off to where your financial problems lie — whether you’re simply not making enough money or you’re spending too much in a certain budget category.

Budgeting Method No. 3: Bare-Bones Budgeting

Sometimes, you just gotta trim all the fat from your budget and focus on the basics. It’s not deprivation. It’s discipline.

How to Budget Using Bare-Bones Budgeting

This budgeting method is pretty self-explanatory. With a bare-bones budget, you cover only the expenses that are absolutely necessary. Whatever is left over, you save.

Your budget might look something like this:

Income:

  • Paycheck No. 1: $ 1,500
  • Paycheck No. 2: $ 1,500

Total income $ 3,000

Expenses:

  • Rent: $ 900
  • Utilities : $ 150
  • Phone bill: $ 80
  • Internet: $ 70
  • Student loan: $ 150
  • Credit card debt: $ 100
  • Car note: $ 300
  • Insurance: $ 150
  • Groceries: $ 300
  • Gas: $ 100
  • Savings: $ 700

Total expenses $ 3,000

Is Bare-Bones Budgeting Right for You?

The bare-bones method is helpful for budgeters who are really looking to bulk up their savings — or perhaps aggressively pay down debt, like this woman who paid off $ 68,000 of debt with a bare-bones budget.

The bare-bones method can help anyone needing a spending reset. It can also be helpful to those trying to manage their money on a low income or those with a ton of essential expenses to account for.

Budgeting Method No. 4: 60% Solution

Sure, it’s smart to prioritize the essentials. But what about those expenses that aren’t vital but that we consider very important to our lives? The 60% solution gives value to that type of spending.

How to Budget Using the 60% Solution

This budgeting method is similar to the 50/30/20 method, but the rules are a bit different. With the 60% solution, you’re budgeting 60% of your income on expenses you’re committed to. That includes essential spending plus those expenses that are most important to you, such as your kid’s activities, a personal trainer, dues to a professional organization or monthly road trips to visit loved ones.

As for the other 40% of your income? You can put that toward savings or use some of the money for discretionary spending. Richard Jenkins, the financial author who came up with the 60% solution, split his 40% into four 10% increments: retirement savings, long-term savings, short-term savings and fun money.

Here’s an example of a budget that uses the 60% solution:

Income:

  • Paycheck No. 1: $ 1,500
  • Paycheck No. 2: $ 1,500

Total income $ 3,000

Expenses:

Committed expenses (60%):

  • Rent: $ 775
  • Utilities : $ 120
  • Phone bill: $ 80
  • Internet: $ 70
  • Student loan: $ 125
  • Credit card debt: $ 50
  • Insurance: $ 75
  • Groceries: $ 250
  • Gas: $ 75
  • Personal trainer: $ 100
  • Cooking lessons: $ 80

Other expenses (40%):

  • Retirement savings: $ 300
  • Long-term savings: $ 300
  • Short-term savings: $ 300
  • Fun money: $ 300

Total expenses $ 3,000

Is the 60% Solution Right for You?

The 60% solution is great for those who want to prioritize nonessential expenses that they care about. It’s also good for budgeters who want guidance on where their money should be going but don’t want to be too strict about tracking every dollar.

Bonus Budgeting Hack: The Cash Envelope System

A hand writes financial-related labels on envelopes.

The cash envelope system isn’t technically a budgeting method; it’s a way to carry out a budgeting method. Still, it’s worth mentioning.

If you’ve ever struggled with sticking to a spending limit when you’re grocery shopping, updating your wardrobe or buying gifts for loved ones, then it could be time to transition to cash.

How to Use the Cash Envelope System

You commit to paying for variable expenses — such as groceries, clothing, entertainment and dining out — with cash.

First, you’ll need to determine how much you can spend in each category. Using a zero-based budget makes this part seamless, because you already know your spending limits in all budget categories.

Next, you’ll label envelopes with each spending category and fill them up with their allotted amount of cash.

One envelope might contain $ 300 for groceries and another might have $ 100 for entertainment. When you’re out food shopping, you’d spend money from your groceries envelope. If you go to the movies later, you’d pay for the tickets using cash from the entertainment envelope.

Once you’ve used up all the cash in a given envelope, you can’t spend in that category again until it’s time to refill your envelopes with money.

It’s important to note that you won’t use cash envelopes when it comes to fixed expenses. Even bills that tend to vary — like your utility bills — should be exempt. You can automate those bills via online banking or pay them as you normally would.

In addition, your savings allocations should go into the appropriate accounts — not cash envelopes.

Is the Cash Envelope System Right for You?

This system is for those who find themselves swiping their debit or credit cards past their budgeted spending limits. By limiting yourself to a finite amount of cash, it’s (almost) impossible to overspend.

Choosing the Best Budgeting Method

Now that you’ve been given an overview of several popular budgeting methods, you should have a good idea of which will work best for your financial life.

When choosing a budgeting method, you’ll want to consider how strict you want to be with your spending. Do you want to track every dollar or take a broad approach to monitoring where your money is going?

You also need to think about your financial priorities. Are you budgeting to increase your savings, or so you can still travel and go out for drinks without damaging your financial standing?

After you choose a budgeting method, think about how you’ll carry out that budget. Will you go old school and break out a pen and paper to write everything down? If you’d rather have your budget on your smartphone or computer, try creating an Excel budget spreadsheet, using free online budget templates or managing your budget with apps.

You may find that it takes some trial and error to get yourself accustomed to budgeting. You might try out a budgeting method, only to decide it’s not for you. And that’s OK. You might prefer another.

Don’t let the budgeting blunders get to you. Keep at it, and eventually, you’ll master this whole money management thing.

Nicole Dow is a senior writer at The Penny Hoarder.

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

BEST DEAL UPDATE:

Sam's Club Membership Offer

Kumail Nanjiani Joins Angelina Jolie for Marvel’s ‘The Eternals’; Here’s Everything We Know

Kumail Nanjiani Joins Angelina Jolie for Marvel's ‘The Eternals'; Here's Everything We Know

Less than a year ago, Marvel Studios head Kevin Feige told The Wrap that The Eternals was "one of many, many, many things that we are actively beginning to have creative discussions about to see if we believe in them enough to put them on a slate." Now, the possibility has become a reality and Eternals is moving forward to the next level. 

While there’s still no release date announced, The Eternals does have writers and a director in place…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

Rachel Weisz and David Harbour Join Marvel’s ‘Black Widow’; Here’s Everything We Know

Rachel Weisz and David Harbour Join Marvel’s ‘Black Widow’; Here's Everything We Know

Fans have been begging Marvel for a Black Widow movie for almost a decade, and now the dream is finally coming alive. The presumably eponymously named Black Widow will feature Scarlett Johansson in the title role, a.k.a. Natasha Romanoff, whom she's portrayed already in eight installments of the Marvel Cinematic Universe, including this year's Avengers: Endgame. 

Joining Johansson on screen for the solo superhero movie are an exciting ensemble of varied talents….

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

Sharing an HBO password for ‘Game of Thrones’? Here’s what you need to know.

TwitterFacebook

It’s April, and a very specific chill lingers in the air: Game of Thrones Season 8 is about to premiere, and your tragic ass doesn’t have an HBO account. 

Luckily, someone you know almost certainly does have an account. The only real question then is just how cool HBO is with people sharing passwords. The short answer? Kinda. The long answer? Well, we’ll get to that.

The first episode of the final season of Game of Thrones is set to drop on April 14, at which point a large number of people will remember that they do not, in fact, have access to HBO’s content. No cable package, no HBO GO, and no HBO NOW. And, just as quickly, they will remember that a friend does.  Read more…

More about Hbo, Streaming, Game Of Thrones, Hbo Now, and Hbo Go


Tech

ENTERTAINMENT DEAL UPDATE:

Disney’s ‘The Lion King’ Looks Amazing; Here’s Everything We Know

Disney's 'The Lion King' Looks Amazing; Here's Everything We Know

After the monster success of Jon Favreau's The Jungle Book in 2016, Disney announced that the director would take the helm of another "reimagining" of an animated classic, The Lion King. A string of casting announcements followed as we eagerly awaited a peek at footage.

The footage we've seen from the new version so far looks simply amazing. Here's everything we know about the movie; watch the videos below.

Will this be live-action, animated, or a combination of the…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

3 Things to Know Before Assigning a Lease

There are many reasons why you may need to lease property
for residential or commercial reasons, such as signing a lease to rent a unit
with roommates or renting a commercial space for your business. Often, signing
a Lease Agreement means you’ve agreed to rent the property for a specific
period of time. But what happens if you need to leave your rental before your
agreement ends?

Perhaps you need to relocate for work or school or you need
to downsize your business; whatever the reason, a Lease Assignment Agreement
can help you transfer your lease to someone else and vacate your rental
property without breaching your original Lease Agreement.

In this post, we cover what it means to assign a lease and
explore a few important considerations individuals should make before deciding
to do so with their own rental property.

What Does it Mean to Assign a Lease?

Assigning a lease is when a renter transfers their rights and obligations in a Lease Agreement (either commercial or residential) to another person. Generally, tenants decide to assign a lease when they need to vacate a rental property before their lease expires for whatever reason (for example, they need to reduce their living costs or transportation time or find a new space for a growing business).

Regardless of why a person needs to end a lease early, assigning a lease to a new person using a Lease Assignment Agreement can be a great way to end your lease on good terms and without paying any sort of early termination fee (a fee that some landlords may require to end a lease before a Lease Agreement expires). However, there are a few important things you should know before you decide to transfer your lease to someone else.

Consideration #1: You Need Your Landlord’s Consent

Sometimes, your landlord will include a clause in your
original Lease Agreement (sometimes called a master lease) that indicates
whether or not you can assign your lease to someone else.

If the master lease doesn’t mention assignment, it is recommended that you get consent from your landlord in writing before agreeing to assign your lease. This can be done using a Landlord’s Consent to Lease Assignment form. Unfortunately, not obtaining consent before assigning your lease could result in a negative outcome, including the assigned tenant (who is called the assignee) getting evicted from the property.

Consideration #2: You May Still be Liable

After signing a Lease Assignment, you may think that you no longer have any obligation to the property or the original lease, but this is not always the case. Continuing liability is a concept that means the original tenant (who is called the assignor) may still be liable for breaches of the lease or damages to the property caused by the new tenant (the assignee). Whether or not continuing liability applies to your situation depends on if any clauses in relation to it are included in your master lease or your Landlord’s Consent to Lease Assignment.

In some instances, the assignor will be released from
liability and the landlord can only hold the assignee liable for issues with
the property. In other instances, a clause regarding liability will indicate
the assignor is liable for the assignee’s conduct (including paying late rent,
property damages, or fines related to conduct like noise ordinances).

Knowing whether you are liable or not is essential, and you
should ensure you understand any potential liabilities you may have in the
property before assigning your lease to someone else.

Consideration #3: The Master Lease Still Applies

Before your prospective assignee agrees to take on the
assigned lease, it is important to remember the terms of the master lease still
applies to the rental property.

A Lease Assignment Agreement will contain all the terms regarding assigning your lease, including information about the property, the original lease dates and start of the lease transfer, details about continuing liability, and more.

It typically doesn’t contain the terms of the Lease Agreement itself, such as the lease and rent payment specifics, the rights and obligations of the landlord and tenant, property and common area rules, and more. This is why it is important to go over the master lease with the person you plan to transfer it to and ensure a copy is attached to the Lease Assignment Agreement or provided to the assignee for their records.

Assigning Your Lease to Someone Else

Being locked into a Lease Agreement can be a burden at times when you need to move away for work, lower your living costs, close your business seasonally, or relocate your store to a higher traffic area. A Lease Assignment Agreement can help you transfer your lease to someone else without paying an early termination fee or breaching the terms of your contract. Before assigning your lease, it is crucial you understand how assigning a lease works, including knowing if you have your landlord’s consent (and if you need it), if you are still liable for your assignee’s conduct, or if the master lease still applies.

The post 3 Things to Know Before Assigning a Lease appeared first on LawDepot Blog.

LawDepot Blog

BEST DEAL UPDATE:

5 Things You Didn’t Know About Chicago’s First Black Woman Mayor, Lori Lightfoot

A black woman makes political history again: On Tuesday, Lori Lightfoot became Chicago’s first black woman mayor.

Lightfoot achieves another milestone as the first openly gay mayor of a large city. The Chicago mayoral race was closely watched around the country. There were two black women in the race—Lightfoot and Toni Preckwinkle—in a political battle that at times became contentious.

Yet, Lightfoot emerged the victor. In a statement to the press, DNC Chair Tom Perez commented on Lightfoot’s win:

“This historic win reaffirms that our diversity is our greatest strength, and that our elected leaders should reflect the diversity of the communities they represent. I look forward to working with Mayor-elect Lightfoot as she fights to build a brighter future for all. The people of Chicago will be well served with her leadership.”

Those outside the gritty world of Chicago politics may not be too familiar with the Mayor-elect. Here are five things you may not have known about Lori Lightfoot.

She grew up in Ohio from humble beginnings.

In an interview with The Chicago Tribune, Lightfoot mentioned that her parents migrated from the South to Ohio. Her father was from a sharecropper family. When she was a girl, her father contracted pneumonia that turned into spinal meningitis. Her father spent time in a coma. The doctors told her mother not to bother to “waste money on medicine,” because her father would not recover. He did, although he became deaf from meningitis.

She is an attorney.

Lightfoot earned a law degree from the University of Chicago for which she received a scholarship to attend. She worked as a federal prosecutor and served in several high-profile civil positions, including chair of the Police Accountability Task Force, and president of the Chicago Police Board. Before running for mayor, she left her position as a law partner at Mayer Brown.

She is married.

The 56-year-old lives in the Northwest side of Chicago with her spouse, Amy Eshleman. They have a 10-year-old daughter.

Chicago police reform is a priority on her agenda.

Lightfoot was part of a task force that looked into police misconduct after the shooting death of black teenager Laquan McDonald at the hands of white policeman Jason Van Dyke. According to her website, her plans for police reform include: Ensuring full and swift compliance with the consent decree; implementing civilian oversight of police; improving police training and accountability; and reducing police misconduct.

She said that the way the Jussie Smollett case was handled, raises “serious questions.”

During a debate with Preckwinkle, Lightfoot said that the dropping of all charges against Smollet merited a “fulsome explanation.” She also expressed concern over State Attorney Kim Foxx’s decision to seal the records on the Smollett case.

 

 

 

The post 5 Things You Didn’t Know About Chicago’s First Black Woman Mayor, Lori Lightfoot appeared first on Black Enterprise.

Lifestyle | Black Enterprise

EMPLOYMENT SEARCH UPDATE:

Lady Kitty Spencer Finally Steps Into the SpotlightYou may know…

Lady Kitty Spencer Finally Steps Into the Spotlight

You may know her as Princess Diana’s niece, but we know her as fashion’s rising star. For BAZAAR.com’s Spring digital cover, the model talks taking on the fashion industry—and how she’s handling her newfound fame.

Harper’s Bazaar

BEST DEAL UPDATE:

First ‘Joker’ Teaser Will Put a Smile on Your Face; Here’s Everything We Know

First ‘Joker’ Teaser Will Put a Smile on Your Face; Here's Everything We Know

Warner Bros. and DC are definitely keeping things interesting with their comic book movies. Soon after introducing a new Joker in Suicide Squad, a different incarnation of the iconic villain will feature in the standalone Joker. This will be more of a crime thriller than traditional superhero fare and will star Joaquin Phoenix as the eponymous "clown prince of Gotham City."

The studio just released the first teaser trailer for Joker, and this is definitely not your…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

We’re Celebrating Christopher Meloni’s Birthday the Only Way We Know How…With Photos of Him and Mariska Hargitay!

Mariska Hargitay, Christopher MeloniDun, dun…it’s Christopher Meloni’s birthday!
Law & Order: Special Victims Unit characters Detective Elliot Stabler (Meloni) and his partner and current leading lady…

E! Online (US) – TV News

SPECIAL TIP UPDATE!

‘Captain Marvel’ Actress Mckenna Grace to Star in ‘Ghostbusters 3′; Here’s Everything We Know

‘Captain Marvel’ Actress Mckenna Grace to Star in ‘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.

Early this year, Ghostbusters 3 (or whatever the movie will be…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

New ‘Scary Stories to Tell in the Dark’ Teaser is Terrifying; Here’s Everything We Know So Far

New ‘Scary Stories to Tell in the Dark’ Teaser is Terrifying; 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.

Following brief glimpses earlier this…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

The menopause: everything you need to know. From the hot flushes to HRT.

menopause

The menopause is something you can’t ignore. It’s unavoidable. It’s inevitable. And it can be daunting.

We recently spoke with three women who are trying to encourage a bigger conversation around the menopause, so that those going through it don’t feel as isolated, feel that they can chat openly and have access to as much information as possible. Sara Matthews is a consultant gynaecologist, Dr Jan Toledano specialises in women’s hormones at the London Hormone Clinic and Jackie McCusker is a registered Nutritional Therapist.

It’s almost as if the menopause is a taboo subject, despite the fact that every single woman in the world will go through it. It’s no surprise really, it’s reflective of the way women speak about their periods too. You rarely hear a woman walk up to a big group and ask as bold as brass whether anyone has a spare tampon; rather it’s posed in a hushed whisper.

We hope that this will be a reliable and useful source of information about ‘the change’.

What is the menopause

‘It is the age at which a woman has her last period,’ explains Sara Matthews. ‘Which for UK women is around 51. At which point there are no functioning eggs left in her ovaries.’ So technically, when a woman has been without a period for twelve months it can be referred to as the menopause. But not before that point. ‘In the Western world one year after your last period is when we’re officially diagnosed as going through the menopause, but up until that point we’re in the peri-menopause and that’s the stage when our oestrogen and progesterone levels are beginning to drop,’ adds Jackie McClusker, who experienced early menopause in her 30s. This is the point at which when women start to experience symptoms, like hot flushes (more on that below). Matthews goes on, ‘the perimenopause can pre-date the menopause by up to 10 years when periods are still regular and hormone levels are normal. The ability to conceive was also lost approximately two years prior to the last period.’

What are the menopause symptoms?

You start to experience symptoms in the perimenopausal stage, which as mentioned above can occur at different times for each individual and it’s all down to the changes in your hormones. ‘Progesterone will have already been depleted over the previous decade, so many women will have already gone through heavier periods and worse PMS,’ explains Dr Jan Toledano. ‘Then the ovaries stop producing oestrogen – the hormone that controls many functions of a woman’s body – and that’s when women experience things like hot flushes, low mood, vaginal dryness, poor memory and headaches. On top of that, testosterone also declines, which causes poor energy, lower libido and less muscle strength and lower confidence.’

menopause

There are a whole host of symptoms that occur when you’re at this point, some more common than others. According to Matthews, around 88% of women in the perimenopausal stage will experience hot flushes.

  • skin dryness
  • vaginal dryness
  • hot flushes
  • forgetfulness
  • depression
  • low moods
  • night sweats
  • irregular periods
  • anxiety
  • heart palpatations
  • panic attacks
  • decreased libido
  • joint paints
  • brain fog
  • skin rashes
  • allergic reactions
  • weight gain
  • acne
  • hair loss
  • brittle nails
  • needing to go to the loo more often
  • increased urine leakage
  • migraines
  • breast tenderness
  • difficulty coping at work
  • relationship difficulties
  • sleep deprivation
  • exhaustion

‘We have completely individual biochemistries,’ explains McCusker. ‘So, one person’s menopause isn’t going to be the same as another person’s menopause. It’s genetics, diet, the amount of stress we’ve had in our lives, cultural differences, etc.’ Dr Toledano agrees, ‘All women experience the change in hormones differently. Some are debilitated and feel unable to function properly, while others barely notice this change at all.’

‘There is an idea that women must carry on through menopause with little complaining,’ says Dr Taledano. ‘These changes however can be devastating and often happen at a time of life when there are other changes too such as children growing up and leaving home. It’s important to know that all the symptoms are preventable and physical changes reversible.’

Should you see a doctor to confirm you are going through the menopause?

Matthews recommends that you do, ‘It is always useful to consult your GP about any symptoms that could relate to the menopause, no matter what age you are. A blood test to check your hormones will indicate whether you are 1-2 years from your last period, but you can still have symptoms long before that. If your hormones levels are fine and your periods regular, and your GP has ruled out other causes for your symptoms, then it would be useful at that stage to see a menopause specialist.’
How long does the menopause last?

This is not a straight-forward question to answer, because the menopause is defined by the day 12 months after your last period. However, the length of time a woman experiences the perimenopause, or symptoms of the menopause will vary considerably. There is nothing set in stone. ‘There is no test that can indicate how long,’ says Matthews. ‘Women can start symptoms up to 10 years before the periods stop, but recent research suggests that symptoms after the last period last an average time of 7.4 years.’

What’s the best menopause treatment?

‘All perimenopausal symptoms will improve with hormone replacement therapy (HRT),’ says Matthews. ‘About 10 years ago, HRT received bad press after a study suggested it significantly increased the risk of blood clots and breast cancer. The findings have now been refuted and safer HRT regimes have been developed.’ Dr Toledo agrees with HRT as a treatment,’Topping up the hormones that are low is the best option. The fear instilled by those studies and subsequent press frenzy still causes confusion for women. There are no increased risk of disease, and in fact there’s a lower risk of many diseases with certain HRT.’

menopause

Ideally you would get a top up of both oestrogen and progesterone, as they balance each other out. By replacing oestrogen you are protected against heart disease, strokes, high cholesterol, diabetes and osteoporosis. It also helps to relieve hot flushes. Women on oestrogen replacement also have a lower risk of getting breast cancer. There’s also the option of vaginal oestrogen, which prevents and treats vaginal dryness and urinary symptoms. Matthews recommends it to all of her patients from the menopause onwards, apart from breast cancer patients. Replacing progesterone can stop skin being and feeling as dry and helps with cognition and sleep. There’s currently only one pregesterone that GPs can prescribe, Utrogestan.

Changes to your lifestyle can also help you manage your symptoms. ‘A heathy diet and exercise, good sleep and doing things that make you happy all have a positive impact,’ says Matthews. ‘Moderating alcohol intake, stopping smoking, taking control of your health will bring massive benefits. Cognitive behaviour therapy can help along with meditation.’ Dr Toledano couldn’t agree more: ‘Make healthy lifestyle choices, like a better diet, more exercise (especially weight bearing exercise to keep your bones healthy), stop smoking, lose excess weight and cut down on alcohol. Meditation or cognitive behaviour therapy can also be really useful.’

Is there a recommended menopause diet?

As a nutritional therapist, McCusker works closely with women to help them rethink their diets to help with the symptoms. ‘The female Asian population tend to have a better experience of menopause than us in the western world, and one of the main things is their diet. They have had a very nutritiously dense diet of whole foods, legumes, and traditional fermented soy, which contain phyto-oestrogens. These are natural plant oestrogens and can emit a mildly oestrogenic effect, when when our oestrogen levels are dropping severely during the perimenopause.

So have a look at your diet, look at the composition of your plate and make vegetables your hero. 50% of your plate should be vegetables. There should be good quality fat, no low fat anything and good quality protein. Things like legumes are really great, tofu, and fermented soy products. Eggs and dairy are great sources of calcium and protein.’

View this post on Instagram

A lil spring salad for lunch today using last nights left over organic steak. Really tasty, packed full of antioxidants from the green leaves, avocados, pumpkin seeds and beetroot. The organic steak is a brilliant source of high biological value protein (meaning it contains all essential amino acids, which are readily absorbed!) I don’t have red meat often but occasionally my body craves it and it’s usually because I am tired and low in iron. The pumpkin seeds are a brilliant source of the minerals, (magnesium, Zinc, potassium), vitamin E, protein and healthy fats (essential fatty acids). They also provide crunch and texture to make the salad interesting. Took 5 mins to put together, that’s my idea of fast food!! 😁

A post shared by Nutrijack (@jackiemccusker) on

The things to avoid are enviromental oestrogens, a.k.a zeno-oestrogens or endocrine disrupting chemicals. These disrupt your internal hormone system. These come from things like plastic bottles, plastic wrapping and parabens in skincare. McCusker recommends buying organic where possible, ‘Any live stock or animals products, like eggs, because they’re being pumped full of zeno-oestrogen hormones. It’s about making small steps to lower your toxic load. For example, you could change your washing liquids to more natural ones.’

Is there anything you want our readers to know about the menopause?

‘Do not blame yourself for how you feel,’ says Dr Toledano. ‘Get help from your doctor to give you the hormones you need to top up what you are not making and do not use oestrogen if you still have periods, only use progesterone at this stage.

‘Be aware of the symptoms that can arise, seek medical help from your GP and if necessary, a menopause specialist,’ Matthews adds. ‘Don’t suffer in silence! Take a little time out to think about what is happening and how you can adapt your lifestyle to help. Little practical things like layering clothes and having a fan and some water in your handbag, cotton sheets and a cool bedroom can make all the difference.’

‘Find a bit of joy everyday,’ recommends McCusker. ‘Although life can be really crap and terrible, find time to laugh, find something that makes your heart sing, that lifts you a little bit. Even in the darkest moments.’

Thankfully, we live in a world where there are brands that aim to help women during this tough time. Scroll down, for the products that might make your menopausal journey a little bit easier…

The post The menopause: everything you need to know. From the hot flushes to HRT. appeared first on Marie Claire.

Marie Claire

BEST DEAL UPDATE:

Style Your Home’s Outdoors with All the Perfect Additions from MacKenzie-Childs! Save on Tables, House Letters & Chairs. Shop Now!

First ‘Dora and the City of Gold’ Trailer Unleashes Its Wild Side; Here’s Everything We Know

First 'Dora and the City of Gold' Trailer Unleashes Its Wild Side; Here's Everything We Know

Educational TV show Dora the Explorer began a long run on Nickelodeon in 2000 and proved to be immensely popular over its 172 episodes. It spawned toys, books, video games, foreign adaptations, stage adaptations and a sequel series. Now a big-screen version is heading to movie theaters everywhere.

The first trailer has just dropped and it unleashes its wild side in surprising fashion. Here's everything we know about the upcoming action-adventure.

Who is Dora the Explorer?

Dora…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

Creepy First Look at ‘Annabelle Comes Home’; Here’s Everything We Know

Creepy First Look at 'Annabelle Comes Home'; Here's Everything We Know

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

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

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

‘Godzilla: King of the Monsters’ Set Visit: 10 Things You Need to Know About the Sequel

‘Godzilla: King of the Monsters’ Set Visit: 10 Things You Need to Know About the Sequel

One of the biggest movie stars on the planet returns to theaters this summer. And by biggest, we mean in terms of physical size. Everyone’s favorite kaiju creature will be back in the eponymously titled Godzilla: King of the Monsters, which is a sequel to the 2014 Godzilla reboot and the third installment of the franchise that also includes 2017's Kong: Skull Island. 

This time, Godzilla is not alone. The king of the monsters will be joined on screen by a few of his most…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

Lady Kitty Spencer Finally Steps Into the SpotlightYou may know…

Lady Kitty Spencer Finally Steps Into the Spotlight

You may know her as Princess Diana’s niece, but we know her as fashion’s rising star. For BAZAAR.com’s Spring digital cover, the model talks taking on the fashion industry—and how she’s handling her newfound fame.

Harper’s Bazaar

BEST DEAL UPDATE:

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.

Money | Black Enterprise

FASHION DEAL UPDATE:

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

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.

Marie Claire

BEST DEAL UPDATE:

Style Your Home’s Outdoors with All the Perfect Additions from MacKenzie-Childs! Save on Tables, House Letters & Chairs. Shop Now!

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

Follow WWD on Twitter or become a fan on Facebook.

Read More…
WWDWWD

BEST DISCOUNT ONLINE:

Ezra Miller is Writing ‘The Flash’; Here’s Everything We Know

Ezra Miller is Writing ‘The Flash'; Here’s Everything We Know

The last time we saw The Flash on the big screen, he was racing Superman at the end of Justice League. Fans of the speedy superhero have hoped that a solo movie for Barry Allen would soon follow, and actor Ezra Miller is among those anxious for the character to return to theaters in his own spinoff adventure. Fortunately, Warner Bros. is all for finally giving The Flash his first live-action motion picture and plans are already set in motion.

According to The Hollywood Reporter, the latest…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

First ‘Toy Story 4’ Trailer Debuts; Here’s Everything We Know

First 'Toy Story 4' Trailer Debuts; Here's Everything We Know

The next release from Pixar will be Toy Story 4. Though Toy Story 3 appeared to wrap up the series nicely back in 2010, Toy Story 4 will be a road trip adventure that will stand apart from the first three installments. Here's everything we know about the film.

What's the story?

Here is how Pixar describes it: "Woody has always been confident about his place in the world and that his priority is taking care of his kid, whether that’s Andy or Bonnie. But when Bonnie adds…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

Le’Andria Johnson: My Children Know I Have a Drinking Problem | Iyanla: Fix My Life | OWN

OWN

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!

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.

HEAD BACK TO THE BLACKAMERICAWEB.COM HOMEPAGE 

Black America Web

ENTERTAINMENT UPDATE:

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.


Reuters: Business News

SPECIAL DISCOUNT UPDATE!

Jos. A. Bank: Daily Deals From Jos. A. Bank – Get Up to 75% Off!

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
– Boeing has stopped


Reuters: Company News

SPECIAL DISCOUNT DEAL:

Find the Best Daily Deal in Your Neighborhood

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.”


CNN.com – RSS Channel – HP Hero

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!

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

Captain Marvel Returns in New ‘Avengers: Endgame’ Trailer; 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. 

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

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

Destin Daniel Cretton to Direct Marvel’s ‘Shang-Chi’; Here’s Everything We Know

Destin Daniel Cretton to Direct Marvel’s ‘Shang-Chi’; Here’s Everything We Know

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,…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

When the system is rigged: What to know the about college admissions process

ABC News

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. 

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

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

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

You can still get vaccinated.
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!

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.
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!

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…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

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

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

Ari Aster, the first-time writer/director of Hereditary, has set up his sophomore effort. Titled Midsommar, the feature will again be distributed by A24 (understandably, since Hereditary became their top-grossing release) and is another drama with horror elements that is sure to get under our skin.

A24 has just released the first teaser trailer for Midsommar, and it looks plenty disturbing and eerie without revealing much of the terror we have to look forward to. Aster is clearly…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

How ‘Pet Sematary’ Will Disturb the Dead; Here’s Everything We Know

How ‘Pet Sematary’ Will Disturb the Dead; Here’s Everything We Know

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

We have about a month left until the remake arrives in theaters, but Pet Sematary is first making its debut as…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

Things Your Kids Know: What’s The 10 Year Challenge?

If by some reason, you were able to miss the 10 year challenge (how?!!) Here’s the full breakdown above. Did you participate in the challenge? If not, are you simply tired of social media challenges? Let us know in the comment section.

HEAD BACK TO THE BLACKAMERICAWEB.COM HOMEPAGE 

Black America Web

ENTERTAINMENT UPDATE:

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.

Marie Claire

BEST DEAL UPDATE:

Style Your Home’s Outdoors with All the Perfect Additions from MacKenzie-Childs! Save on Tables, House Letters & Chairs. Shop Now!

Oscar Winner Rami Malek to Play the Next Bond Villain; Here’s Everything We Know

Oscar Winner Rami Malek to Play the Next Bond Villain; Here’s Everything We Know

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.

Rami Malek, who has been garnering awards all season for his lead performance as Freddie Mercury in Bohemian Rhapsody, is in final…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

‘Aquaman 2’ Sets Release Date; Here’s Everything We Know

'Aquaman 2' Sets Release Date; Here's Everything We Know

Arthur Curry first surfaced in the modern DC Films universe in Batman v Superman: Dawn of Justice, shouldering a larger role in Justice League, and then taking center stage in Aquaman, directed by James Wan. The action-adventure scored well with critics and even better with audiences, earning more than one billion dollars at the box office worldwide.

With the huge success of Aquaman, naturally our thoughts turned toward a possible sequel. When might we further enjoy more superpowered aquatic…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

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.

clark.com

BEST DEAL UPDATE:

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

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.

Marie Claire

BEST DEAL UPDATE:

Style Your Home’s Outdoors with All the Perfect Additions from MacKenzie-Childs! Save on Tables, House Letters & Chairs. Shop Now!

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….

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

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.

artrepublic blog

BEST DEAL UPDATE:

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.

Reader’s Digest

BEST DEAL UPDATE:

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.

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

The Penny Hoarder

BEST DEAL UPDATE:

Sam's Club Membership Offer

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.

The Daily Beast — Fashion

BEST DEAL UPDATE:

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…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

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

PeopleTV

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!

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

Follow WWD on Twitter or become a fan on Facebook.

Read More…
WWDWWD

FASHION TIPS:

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

BEST DEAL UPDATE:

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.”


HEAD BACK TO THE BLACKAMERICAWEB.COM HOMEPAGE

 

Entertainment – Black America Web

BEST DEAL UPDATE:

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.

Marie Claire

BEST DEAL UPDATE:

Style Your Home’s Outdoors with All the Perfect Additions from MacKenzie-Childs! Save on Tables, House Letters & Chairs. Shop Now!

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…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

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.

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

The Penny Hoarder

BEST DEAL UPDATE:

Sam's Club Membership Offer

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

SPECIAL SHOE DEAL UPDATE:

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,…

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE: