Tobacco company Philip Morris starts life insurance firm that offers discounts to smokers who quit

Philip Morris International, the tobacco company that sells Marlboro cigarettes around the world, is getting into the life insurance business.
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Slay! Michelle Obama Gave Us Life In This Baby Pink Suit

TOPSHOT-DENMARK-US-POLITICS-OBAMA-MICHELLE

Source: MARTIN SYLVEST / Getty

We’ve always known that Former First Lady Michelle Obama has an impeccable sense of style, but baybeeeee, since she left the White House, it feels as if her fashion game has elevated even higher!

Case in point: Take a look at this $ 2000 petal pink pants suit bedazzled with crystal appliques she rocked on Tuesday at the first leg of her European “Becoming” book tour in Copenhagen, Denmark.

According to Harper’s Bazaar, Mrs. Obama wore a local designer, “which also just happens to be one of the coolest up-and-coming brands, Stine Goya.”

'Becoming: An Intimate Conversation with Michelle Obama' Tour In Stockholm

Source: Michael Campanella / Getty

On Wednesday, she kept the suit trend going as she wore  a custom Acne Studios pale mint suit during her conversation at the Ericsson Globe Arena in Stockholm, Sweden, Entertainment Tonight noted.

On Instagram, our #ForeverFLOTUS wrote, “I’m so thrilled to be in Europe this week! We kicked off our trip in Copenhagen, tonight we’re in Stockholm, and we’ll also make our way to Oslo, London, Paris, and Amsterdam. I’m so excited to visit these beautiful cities and can’t wait to hear the inspiring stories from so many new faces. And I want to keep hearing from all of you! What questions do you have? Share in the comments below.👇🏾#IAmBecoming.”

As we previously reported, not only was Obama’s memoir Becoming the best-selling book of 2018 in the U.S, but it’s very close to becoming the most successful memoir of all-time. It’s being reported that she’s sold nearly 10 million copies around the world since its November debut.

“We believe this could be the most successful memoir in history,” Thomas Rabe, head of one of Penguin Random House’s parent companies, said Tuesday according to the Wall Street Journal.

Penguin’s chief executive, Markus Dohle co-signed on Rabe’s sentiments.

“I’m not aware, in my personal experience with Penguin Random House, that we ever sold 10 million units of a memoir,” he said.

The Hill reported that a Penguin Random House spokeswoman confirmed the numbers, saying on Tuesday that, in the United States and Canada alone, “Becoming” has “sold more than 6.2 million units across print, digital, and audio formats since its publication.”

Apparently, book sales aren’t routinely tracked in other countries outside of North America.

We love to see our First Lady living her best life.

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America’s wealthy investors say Fed-induced stock rally has plenty of life left — maybe years

Millionaire investors began 2019 worried about the market, but as the Fed's about-face on interest rates takes hold as the new normal in monetary policy and stocks surge, an E-Trade survey finds that the wealthy expect the rally to continue.
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Today in Movie Culture: ‘Avengers: Infinity War’ Recap, Marvel Superheroes in Real Life, ‘Us’ VFX Breakdown and More

Today in Movie Culture: ‘Avengers: Infinity War’ Recap, Marvel Superheroes in Real Life, ‘Us’ VFX Breakdown and More

Here are a bunch of little bites to satisfy your hunger for movie culture:

 

Franchise Recap of the Day:

Avengers: Endgame hits theaters in one week. Are you ready? Do you remember what’s happened up until this new installment of the Marvel Cinematic Universe? If not, editor Clark Zhu has compiled a recap of just the events of the movies in Phase 3 of the MCU. As a reminder, this section of the franchise begins with Captain America: Civil War and includes eight more pieces…

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Fashion, Love, Fame: How Victoria Beckham Keeps Proving the Skeptics Wrong in Every Aspect of Her Life

ESC: Style Evolution, Victoria Beckham, 2018“They always say, ‘My God, David is so handsome, he’s gorgeous, he’s so good-looking–and she’s so funny.’ Basically that means you’re a pig with a sense of…

E! Online (US) – Fashion Police

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Breaking: SEA WALL/A LIFE, Starring Jake Gyllenhaal & Tom Sturridge, Will Transfer to Broadway This Summer

According to the New York Times,Sea Wall A LIFE, written by Simon Stephens and Nick Payne respectively and directed by Carrie Cracknell, will transfer to Broadway next season. Starring Jake Gyllenhaal and Tom Sturridge, it will begin performances on July 26 and will open on August 8. The limited engagement will conclude on September29.
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Game of Thrones star Hannah Murray admits playing anorexic teen on Skins was ‘one of the happiest times of her life’

GAME Of Thrones’ Hannah Murray has admitted that playing anorexic teen Cassie Ainsworth on E4 drama Skins remains one of her happiest work memories – despite finding international super-stardom in the HBO fantasy series.

The 29-year-old actress appeared on Lorraine earlier today, where she admitted that her 2007-2008 castmates are like her “siblings”.

Hannah appeared on Lorraine earlier today

Speaking about the popular show, Hannah said: “Some of the happiest times of my life, I fell in love with acting so hard and fast when I first started working on Skins.

“Then those people that I worked with on the show are like my best friends, they are almost like my siblings really, we are that close.

“I see them all the time, they’re such an important part of my life – that thread from that first job is still very, very consistent.”

The star took a break from acting to further her studies after finding fame in Skins, landing the recurring role of wildling Gilly in the second series of Game of Thrones in 2012.

Hannah played troubled anorexic Cassie in teen drama Skins

The actress says her Skins castmates, including GoT’s Joe Dempsie [bottom left] are like her ‘siblings’
Getty – Contributor

Together with Samwell Tarly, Gilly played a key role in discovering the truth about Jon Snow’s legitimate parentage – and is one of the few characters to have survived to see in the final series of the show.

Speaking to Christine Lampard on the ITV breakfast show, Hannah revealed that she struggles to keep the top secret content of the show under wraps – and even spoiled the show for one of her friends at his birthday party.

She explained: “I always want to tell everyone, I once ruined a big spoiler for my friend at his birthday party – I just decided to tell him everything.

Hannah plays wildling Gilly in Game of Thrones
HBO
Joe plays Gendry in Game of Thrones – but he and Hannah are yet to share a scene together


“I am always worried I am going to get in trouble, so I am relieved the show is coming out so I can finally talk about it with everyone.”

The much-anticipated final series of Game of Thrones hit our screens in the early hours of Monday morning, with Hannah’s fellow Skins’ alumni, Joe Dempsie, also reprising his role of Gendry for the season.

Hannah previously confessed that she has always hoped Gilly and Gendry’s storylines will cross so that she can be reunited with her close pal on set.

As of yet, the two characters haven’t met in Westeros – and with just five episodes left of the hit series, the odds of an on-screen Skins reunion aren’t looking too likely.


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Nearby exoplanet may have the potential to support life

exoplanet life

Finding planets outside of our solar system is a challenge, and determining the size, composition, and surface conditions of such planets is more difficult still. Figuring out whether life could exist on an exoplanet, based on all the previous information? Well that’s about as difficult a challenge as an astronomer can imagine, but researchers from Cornell are doing exactly that.

In a new study published in Monthly Notices of the Royal Astronomical Society, scientists from Cornell’s Carl Sagan Institute reveal that conditions on nearby exoplanet Proxima-b may be near the fringe of what is considered suitable for life to take root.

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Nearby exoplanet may have the potential to support life originally appeared on BGR.com on Tue, 16 Apr 2019 at 18:04:28 EDT. Please see our terms for use of feeds.


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Wonder Park: Experience the fun family film in real life this Easter

Promotional feature with Paramount Pictures

Whether you’ll readily admit it or not, everyone loves the fun of an animated movie; it’s a chance to lose yourself and relive the excitement of your childhood. So what could be better than an uplifting story that’s all about a crazy and colourful animal theme park?

Wonder Park tells the heartwarming story of a magnificent amusement park, in which the imagination of a wildly creative girl named June comes alive with the help of her mother’s storytelling.

The new film has a pretty exciting cast list, too. Featuring the voices of Tom Baker (yes, Doctor Who!) as Boomer the bubbly blue bear, Mila Kunis as Greta the boar, and YouTube stars Caspar Lee and Joe Sugg as beaver brothers Cooper and Gus respectively, the colourful characters and family fun vibes make it a must-see for all ages.

Now, Wonder Park takes over Chessington World of Adventures Resort, allowing viewers to experience the excitement of the movie in real life until 22nd of April.

You’ll be able to meet one of the film’s most loveable characters, Boomer, IRL and take part in exciting activities inspired by the fun-filled story of the film – including designing your very own Wonder Chimp Wonder Park pop badge, making your mark on the experience’s giant colouring wall, and experience the thrill of a virtual reality Wonder Park rollercoaster game at the Wonder Park Hut.

To add to the excitement, Boomer will be joined by some celebrity guests over the next couple of weeks including Gizzi Erskine, Abbey Clancy, Amy Childs, Dan Osborne and more. Plus, you can enter the exclusive prize draw to win a brilliant bundle of Wonder Park goodies for all the family.

Trust us when we say that you don’t want to miss out on this one!

Wonder Park is in UK cinemas now in both 2D and 3D, © 2019 Paramount Pictures. All Rights Reserved.

The post Wonder Park: Experience the fun family film in real life this Easter appeared first on Marie Claire.

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The best life insurance companies in 2019

term life insurance policy

Looking for the best life insurance? Simple is better when it comes to life insurance, and buying level term insurance from a trustworthy company is just about as simple as you can get.

In this article, we’ll take a look at what term life insurance is and who needs it. We’ll also cover which companies money expert Clark Howard recommends you buy it from and how to research and identify the best term life insurance companies on your own.

A look at the best term life insurance companies

Do you have a family or someone else who depends on you financially? Life insurance is meant to replace your income when you’re gone.

Too often, people overlook this important financial safety net. Don’t be one of them. We know life insurance can seem dry and hard to understand, but we’ll do our best to explain it in simple, actionable terms.

Fortunately, the cost of term life insurance has been dropping for a while.

“Life insurance has gotten much cheaper over the years, in part because people are living longer,” Clark says. “Add into the mix the Internet, which has made it ultra-easy to compare prices when shopping for life insurance. The result is that term life insurance costs have dropped by two-thirds in the last 15 years. That’s a great deal!”

Best life insurance companies: Table of contents

What is level term life insurance?

woman with question mark on head

Life insurance may seem complicated, but it doesn’t have to be!

Let’s break down some terms in the phrase “level term life insurance,” which is the kind of life insurance Clark recommends.

The “term” part here means you buy insurance for a set number of years depending on your age and your family’s needs. Typically, that means for periods of 20 or 30 years to protect your young children as you raise them into adulthood.

The “level” part means the premium remains the same for that number of years.

Remember the only purpose for life insurance is to replace your income (or your spouse’s) for your family if you die.

Pretty simple, right?

Who needs life insurance?

Two hidden home costs every prospective buyer should know about

Let’s answer this question with a couple of illustrations.

Say, for example, you have young kids and you want to provide financial security for them until they are adults. In this case, you might want to buy a 20-year term policy.

Or, let’s say you’re 35 and it’s just you and your spouse. You may want to provide for the remainder of your spouse’s life in the event of your death. In that case, you’d probably want a 30-year term policy.

You may not need a life insurance policy at all if there aren’t children in the picture.

“If you have no dependents at all, you don’t need to buy any life insurance,” Clark says. “And don’t ever buy insurance on children. A three-year-old doesn’t earn a salary, so there’s no need to replace his or her income.”

Clark Howard’s picks for term life insurance

Now that you know how Clark feels about life insurance, you might wonder who he’d buy it from.

Clark has long sung the praises of two insurers in particular — USAA and Amica Mutual — when it comes to term life insurance.

1. USAA

USAA logo

USAA is a diversified financial services company with offerings that include banking, investing and insurance.

Here’s the key thing to know about USAA: The services it offers are only available to those in the military or who are affiliated with the military through direct family ties.

2. Amica Mutual

amica mutual logo

What can you do if you or anyone in your family never served in the military but you still want a great company for term life insurance? Clark recommends checking out Amica Mutual, which is open to anyone. Amica is often acknowledged in the industry as an equal to USAA.

In fact, Clark believes so strongly in USAA and Amica that he listed them both as top picks on his lists of the best auto insurance companies and best home insurance companies.

3. Haven Life

Haven Life logo

Haven Life is one of a handful of insurers that issues term life insurance policies with no medical exam.

When you go through Haven, select qualified applicants (up to age 45) can finalize coverage online without the need to have a physical exam or a blood test like you would with other insurers.

Certain candidates, however, may still need to pass medical underwriting, depending on a variety of factors.

Term life insurance companies ranked by stability

It goes without saying that you need to make smart choices when you’re buying insurance.

Clark recommends buying only from companies that are rated A++ or A+ by A.M. Best — the highest possible ratings from one of the top companies when it comes to measuring the long-term financial strength of different insurers.

“Anything less than an A+ — even an A — is unacceptable. Don’t be tempted by low premiums when you’re shopping around,” Clark says. “Stick with insurers of top strength, even if you have to pay more for it.”

You can visit AMBest.com to get started researching your insurance company of choice. Free registration is required to use the site.

We’ve pulled up some ratings of popular life insurers below:

Insurance company Coverage underwritten by A.M. Best rating
Amica Mutual (self) A+
USAA (self) A++
Haven Life Massachusetts Mutual Life Insurance Company A++
State Farm (self) A++
Prudential (self) A+
Mutual of Omaha Group (self) A+
Globe Life (self) A+
John Hancock (self) A+

Understanding an insurance company’s financial strength is of the utmost importance. You want to make sure a company you’re buying a policy from today will be around for the long haul when your family needs them.

Once you’ve got the financial stability piece of the puzzle figured out, then you’re really just shopping for coverage based on cost. Clark says that you should aim to buy 6 to 10 times your annual income in coverage.

“All else being equal, buy life insurance by cost,” Consumer Reports notes. “Shop for the lowest rates using an online broker with ties to many insurers, not just a few.”

Fortunately, shopping for term life insurance is easy on the Internet. You can comparison shop for quotes at any of a number of sites like:

Final thought

A lot of people shy away from buying life insurance simply because they don’t understand it. But buying term life insurance can be simple and affordable.

Remember, if you’ve got children or other financial dependents, you need life insurance!

More insurance stories on Clark.com

The post The best life insurance companies in 2019 appeared first on Clark Howard.

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Do You Have A High School Student? Here’s A Program That Can Help Change Their Life.

Disney Dreamers

Source: Disney Dreamers Academy / Courtesy of Disney

When invited to cover the Disney Dreamers Academy hosted by Steve Harvey and Essence Magazine, I honestly wasn’t sure what to expect. I haven’t been to Disney since I was in high school and I didn’t think I would get caught up in all the “magic.” Boy, was I wrong. The weekend ended up being inspiring, enthralling, and yes, magical.

First off: Disney holds nothing back in helping the high performing kids in attendance dream even bigger. The program is hosted over a weekend, with kids arriving on Friday and leaving on Sunday. The weekend is jam-packed with events, but the best part is that their all in the interest and the betterment of children. Each year, Disney and Essence chooses 100 kids to come for the inspiring weekend. The kids are allowed to bring one parent or chaperone for the event (yes, all of their amenities are covered as well).

Upon arrival, I dropped my things off and immediately rushed to a luncheon followed by a press conference where Tracey Powell, Vice President, Walt Disney Parks and Resorts and DDA Executive Champion gave opening remarks along with Michelle Ebanks, CEO of Essence Communications who explained what would occur over the weekend. Disney Dreamer Alumni also spoke to get current Dreamers excited for the weekend.

Disney is all about the magic and even if you think you’re not going to feel it, they will make sure you do! There is a daily parade at the Magic Kingdom and Disney organized to let the Dreamers’ lead it. Very cool and exciting for the kids. Afterward, the kids have an option to go to a Deep Dive. Deep Dives happen throughout the weekend with the kids being able to explore area of interests and connect with experts and leaders in that field.

Disney Dreamers

Source: Disney Dreamers Academy / Courtesy of Disney

In addition to Deep Dives, the weekend also consists of a lot of motivational speaking. Princeton Parker, Mikki Taylor, Lisa Nichols, Yolanda Adams and more poured words of strength, encouragement and love into the students. I surveyed the room and you could just see the kids sitting straighter, off their phones, and minds turning. The greatest part is that a lot of these speakers are returning speakers. Mikki Taylor helped found the program and Lisa Nichols also spoke to the students last year.

Of course, kids don’t just want to hear from adults, so the Dreamers’ Academy also brought in Black-ish stars Marcus Scribner and Miles Brown to talk about how they deal with balancing their dreams, enjoying being kids throughout the fame, and more.

In an interview with Steve Harvey. We discussed how the program had evolved. He reflected on past years and how he had met so many parents that had “poured everything into their children and forgotten about their own dreams.” Harvey admitted to being a “big dreamer” and still dreaming at 62, so he found it important to also make sure that parents were still doing the same. There were organized “Parent Tracks” to allow parents time to reflect, learn, and grow. The whole event felt like a family reunion. There was a family dinner and on Sunday, the commencement felt more like a Sunday church service.

Disney Dreamers

Source: Disney Dreamers Academy / Courtesy of Disney

Yes, throughout the busy weekend there is still time to enjoy Disney and all the parks. It’s a lot of work and character building, but also an equal amount of magic and play. The event is diverse, with kids of all races and a range of high school ages in attendance. This is like a hyped up summer camp and after speaking to Dreamer Alumni, they still keep in touch with people from their cohort.

If your kid or a high schooler you know is looking for an opportunity to ensure their future is bright, encourage them to apply to Disney Dreamers Academy. I wasn’t even a part of the program and left incredibly inspired by the students!

 

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Is it genetic code or postal code that influence a child’s life chances?

Most children inherit both their postal code and their genetic code from their parents. But if genetic factors influence where families are able to live and children’s health and educational success, improving neighborhoods may not be enough. Latest research provides new insights into the highly debated question of whether the neighborhoods that children live in influence their health and life chances.
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How I Revisited the Last Moments of Martin Luther King’s Life

When I agreed to travel to Jackson, Tennessee, to speak to students, faculty, staff, and community members at their Inaugural Leadership Conference, little did I know what was in store. In addition to the warm reception, the local news coverage, and the camaraderie from my longtime friend Dr. Logan Hampton, the president of HBCU Lane College, revisiting the legacy of Dr. Martin Luther King, Jr. is an experience I will never forget on the drive back.

I made two new friends on the sojourn: chief Steaven Joy, my security detail and driver and Darryl M. Bell, the actor from the hit TV show A Different World. Bell is also a producer, an entrepreneur, a fierce advocate of people of color in STEM, and not surprisingly, historically black colleges and universities (HBCUs).

Martin Luther King

(L-R: Logan Hampton, L Michelle Smith, and Darryl M. Bell)

Bell wanted to visit the National Civil Rights Museum in Memphis.

We visited the landmark museum just a few days before the 51st anniversary of King’s assassination. There were people waiting in the rain to experience the context of King’s death—what led up to and culminated in his last breath on the balcony of Lorraine Motel.

A tour guide walked us through historical periods that violently affected black people: Jim Crow-era segregation, boycotts, and protest. Bell and I joined a sit-in at one of the many lunch counters in the South, where students faced violence despite their commitment to non-violent protests.

Martin Luther King

(A statue of Rosa Parks sitting on the bus in Montgomery)

There were statues of blacks who participated in the Montgomery boycotts for some 138 days, protesting racism. We eventually learned what brought King to Memphis in the first place—the unfair treatment of the city’s sanitation workers at the time.

Martin Luther King

(Bell stands in front of the iconic sign at the Lorraine Motel)

Though from behind the glass, we observed room 306—preserved in time and undisturbed—where Dr. King and Abernathy stayed until that fateful moment on the balcony.

We came face to face with the death of an absolute hero.

Listen to a special double episode of The Culture Soup Podcast today to hear a special fireside chat between myself and Bell at the Lane College Leadership Conference. Part two features a conversation with Hampton on the importance and remaining relevance of HBCUs.


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The post How I Revisited the Last Moments of Martin Luther King’s Life appeared first on Black Enterprise.

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Life Is Good Teams With Olympian Aly Raisman and Dunkin’ for #SomethingGood

LIFE IS REALLY GOOD: Two years after she designed a T-shirt for the sportswear brand Life Is Good, Olympic gymnast Aly Raisman is art it again.
To celebrate its 25th year, the Boston-based company has recruited Aly Raisman and Dunkin’ to try to jump-start a nationwide movement. Collectively with its brand partners, consumers are being challenged to share #SomethingGood. Some might say the former Olympian did just that last year, when she testified against now-convicted former physician Larry Nassar. This Life Is Good-led effort is designed to support children in need.
The aim is to spread the power of optimism so that more individuals will achieve a happy and fulfilling life. That objective has been the brand’s mission since it started years ago. Running through September, the campaign is designed to shift the societal narrative from negative to positive. For every #SomethingGood that is shared online, the company will donate $ 1 to the Life Is Good Kids Foundation. The goal is to reach donating up to $ 1 million.
In addition, 100 percent of the net profits from a new Life Is Good limited-edition #SomethingGood T-shirt will be donated directly to the Life is Good Kids Foundation. The $ 28 T-shirt is available for men

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Woman Facing A Life Sentence For Raping Child

A Louisiana woman was convicted of rape and sexual battery Thursday for repeatedly abusing a child over several years along with another adult, Nola.com reports.

The jury reportedly deliberated just 38 minutes before finding 39-year-old Sandra E. Gaines guilty on two counts of aggravated rape and three counts of sexual battery, District Attorney Warren Montgomery’s office said in a news release.

Gaines’ longtime boyfriend, Robert Cardell Flowers, was reportedly convicted on the same charges in 2015, and he was sentenced to life in prison.

The website reports, the victim, now 18, testified this week that the pair began molesting her when she was about 5 years old and that the abuse progressed and continued through 2012. She testified that she was repeatedly raped during that time.

Gaines faces a mandatory sentence of life in prison and will be sentenced on April 10.

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Tolkien Biopic Will Celebrate Lord of the Rings Author’s Life

Warning! Some spoilers for what we saw at the presentation. 

J.R.R. Tolkien is probably the best-known fantasy author of all-time. His sprawling stories include The Lord of the Rings trilogy and its prequel, The Hobbit, both of which have defined much of the fantasy genre. In a new film from Fox Searchlight, the writer’s origin story will be explored with Nicholas Hoult playing the iconic creator. During a panel at WonderCon, the cast and crew shared their thoughts about bringing the story to the screen.

Moderated by Cliff Broadway, the panel began with a rousing round of applause for J.R.R. Tolkien led by the man behind the fansite OneRing.net who was clearly ecstatic to be in the Anaheim Convention Center celebrating the writer who has had such a profound impact on his life. After playing the teaser trailer which was released earlier this year, the room was introduced to the director, Dome Karukoski, and cast members Anthony Boyle, Patrick Gibson, Tom Glynn-Carney, and Nicholas Hoult, who was fresh off the Dark Phoenix panel.

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

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

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Erica Campbell To Le’Andria Johnson: “Are You Still Mad At The Church?” | Iyanla: Fix My Life | OWN

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

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Kirk Franklin Sends a Powerful Message to Le’Andria Johnson | Iyanla: Fix My Life | OWN

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

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These 10 Google Chrome extensions will make your life easier

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One of the best and worst things about Google Chrome is the amount of browser extensions you can find in the Chrome store. It’s the best because it gives users almost limitless ways to improve their Chrome experience, but also it’s the worst because you might not know how many great extensions you’re missing out on if you never look for them.

Chrome extensions can do everything, from totally reorganizing your email inbox to filtering out websites with adult content on them. Here’s a small sampling of the more useful Chrome extensions available right now.

Save to Google Drive

Send screenshots to Google Drive instantly with this extension.

Send screenshots to Google Drive instantly with this extension.

Image: Alex Perry / mashable Read more…

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Teresa Giudice Looking Forward To The ‘Next Chapter’ In Her Life After Divorcing Joe

Teresa Giudice is trying to ‘detach’ from Joe Giudice as he appeals his deportation order to Italy, but her husband would be ‘heartbroken’ if they actually went through with a divorce.

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

Bigger Paydays, Famous Friends and a Little Heartbreak: All the Ways Life Has Changed for Queer Eye’s Fab Five in Only a Year

Queer Eye Season 3All things just keep getting better.
At least, that’s been the case for Antoni Porowski, Tan France, Karamo Brown, Bobby Berk and Jonathan Van Ness–aka your new Fab Five–ever since…

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

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SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

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SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

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SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

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SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

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SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

How Several Mini Walks A Day Can Change Your Life

benefits of walking a lot

Source: Mattia / Getty

I don’t go to the gym and am pretty open about that. When I tell people that, they always ask, “So how do you stay so slender?!” (And, yes, it does make me blush—so what?) I’m not going to lie and say that I heat junk food all day and live a stationary lifestyle. That just isn’t true, and would be an irresponsible lie. I’ve always been big on walking. I go for three to four 15 or 20-minute walks a day. I can’t be without my walks. If life gets really hectic and I skip my strolls, I feel the negative effects quickly. If the boring old gym routine of pounding away on a treadmill has been getting you down, or you’ve just been looking for a new way to spend your lunch breaks, I can’t recommends taking up more walking enough. Here are ways taking several mini walks a day can change your life.

benefits of walking a lot

Source: kali9 / Getty

You’ll clear your head

Have you ever noticed that, after going for a walk, you see things more clearly? Maybe that issue you’ve been mulling over for days seems much easier to tackle. Maybe you come up with a more diplomatic way to address that issue with a coworker (you know, the one you were just going to yell at). Walking has a way of removing the cobwebs from our minds, dispersing frustration and anger, and helping us see things clearly.

MadameNoire

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Here’s Why Shopping for Life Insurance Doesn’t Have to Be Such a Hassle

Getting life insurance seems like such a pain.

I mean, you have to jump through all these hoops — sign a million forms, go to a doctor’s office to get a physical and send a stack of paperwork to an insurance agent. The whole thing is probably going to take weeks!

Maybe you’re interested in getting a life insurance policy to take care of your family in case you die unexpectedly. But let’s face it: At this rate, you’ll probably never get around to it, because it’s a hassle that never quite rises to the top of your to-do list. Does it?

Ah, but what if it were way simpler than that?

If you’re stalled on the whole life insurance thing, try checking out innovative new options like Leap Life’s online marketplace. It’s like a personal shopper for life insurance. Its motto is brutally honest: “Life insurance isn’t fun. Let’s get it over with quick.”

Wow! The folks at Leap Life are not exactly holding back, are they? Clearly, this isn’t your dad’s life insurance agency.

Leap Life simplifies and streamlines the process in a big way. You can apply in minutes, and most healthy people can do it all online — no medical exam required.

Lickety-split, you get instant quotes from top life insurance companies like Prudential, Lincoln Financial, Pacific Life, and Protective, among others.

That way, you can compare them side-by-side to find the best life insurance policy matched to your needs.

Cheaper Than You Think

Leap Life uses your  information to predict approval and match you to the most affordable insurance policies to fit your needs. The company says it saves people an average of 50% on their insurance premiums.

The company says its research shows that 80% of Americans can pay 50% to 300% more for their life insurance if they pick the wrong life insurance carrier. The could mean paying hundreds of dollars more per month than you have to.

People overestimate the cost of life insurance, anyway. For instance, nearly half of millennials think life insurance costs about five times what it actually does, according to a 2018 study by the life insurance industry group LIMRA.

No Hassle, Free Returns

Leap Life is updating the old model. If you stuck with the life insurance industry’s traditional way of doing things, you might have to wait weeks to hear whether you’re approved.

You don’t have to wait any longer. And if you change your mind, you’ve got a 30-day money-back guarantee.

Leap Life’s pitch is that it’ll match you with a policy that fits your needs, your health history and your financial situation. “No extra fees, no hassle and free 30-day returns,” the company’s website says.

The company has an A-plus rating with the BBB. It operates in every U.S. state except New York.

You can choose a life insurance policy that lasts from 10 to 30 years, with death benefits ranging from $ 250,000 to $ 5 million.

It’s time to get life insurance off your to-do list and move it over to your “done” list.

Really, it doesn’t have to be such a pain.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He probably doesn’t need life insurance because he’ll probably never die.

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

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

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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!

Learn how to use QuickBooks and get your life together for tax season

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With more than 5.6 million customers worldwide and a five-star rating on Merchant Maverick, Intuit QuickBooks is the gold standard of accounting software for small business owners. It’s basically the Beyoncé of bookkeeping, as it were. 

QuickBooks owes this success to its jam-packed roster of features — features with so much potential for customization, they often intimidate and overwhelm first-time users. That’s why SimonSezIT has put together the QuickBooks 2019 Master Class, a comprehensive how-to guide that dissects the latest edition of the software program.

Broken up into more than 70 training videos, the course will help you understand QuickBooks 2019’s powerful range of operations and how its tools can be used to crunch the numbers for your business. Whether you want to compile a list to track your vendors, reconcile a few bank statements, or whip up some invoices, you’ll soon master all of those QuickBooks functions (and much more) with this valuable primer. Read more…

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

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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!

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SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

The best diaries and planners to help you organise your life

Whether you want page space or head space

best diaries

The best diaries are the ones that organise your life for you, right? Whether you want one that leaves enough space for you to note down your meetings and what you’re supposed to have prepared, or something for intention setting that’s also stuffed with inspirational quotes, there are so many out there for you to choose from.

These days, diaries and planners are more than your average pocket book with tiny lines. There are the best diaries for yogis, there are planners for foodies, and there are even doubled-up diaries for those with really hectic lives.

If you’re the kind of person who settles for a regular notebook, graffitied with doodles and half-written messages that you’ll never remember to read, then it’s time to shake things up.

Yes, you’re meant to buy diaries at the start of the year, but we’ve all been busy breaking our New Year’s resolutions. Sure, you’ve missed out on a month of writing out your plans, but it’s time to finally get your shit together.

So where can you find the best diaries?

Best diaries

kikki.K

best diaries

A5 Bonded Leather Daily Diary Dusk Blue, now £13.50

Who can resist the cute pages of a kikki.K? This diary has daily and monthly layouts so that you can keep all aspects of your life organised, from remembering brunch plans to keeping track of work deadlines.

Noble Macmillan London

best diaries

2019 Mezzo Diary Lemon, £59

The soft bound Mezzo diary includes a ‘to-do’ list on every right page, so no more cramming your life into a tiny daily box. The cover can also be monogrammed with your name or initials in the gift giver’s handwriting. Fancy.

Dailygreatness

best diaries

Yoga Yearly, £39.95

Whether you’re a beginner or a fully-fledged yogi, this day-to-a-view diary will help you to develop your own daily routine, and offers space for ‘gratitude, inspired action, self-inquiry and inspiration’. It also encourages mindful living,

Papier

best diaries

Flamingos, £21.99

If you want a diary on your own terms, this blank option is perfect. There are no fixed dates, so you can start it whenever you like, and it includes weekly and monthly views as well as pages for extra notes, goals and ‘to-do’s.

Busy B

best diaries

Busy Life Diary, £10.99

Hectic lives call for double diaries, and thankfully these exist. If your diaries are usually awash with scribbles because there isn’t enough room for everything, this is the solution. A diary with two copies of each week and month so that you can keep your work and social lives separate, but in the same place.

Zelo Journal

best diaries

Zelo Journal, £31.99

With a promise to help you ‘clear you mind and achieve your goals’, it offers a new spin on traditional diaries. Not satisfied with offering space purely for day-to-day planning, this diary has been created to help you list your goals, improve productivity and focus on the things you’re passionate about.

The post The best diaries and planners to help you organise your life appeared first on Marie Claire.

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This 2-Minute Step Could Get You $1 Million in Life Insurance for Just $44/Month

Know you should have life insurance but not sure where to start?

We get it.

First you’re wondering: How much does life insurance cost?

Second, you already get approximately 193 robo-calls a day. You don’t want more from insurance salespeople.

Third… um… what do you even Google?

Don’t panic. We recommend you start by comparing policies and rates through Policygenius, a free online marketplace. Think of it like Kayak or Expedia — but for life insurance.

We’re Here to Hold Your Hand: Here’s How to Get Started

Trust me when I say: Policygenius is simple to use.

Perhaps the most appealing part? You don’t need to enter your email address or phone number to start searching — only your ZIP code and some information about your health. That means no annoying phone calls or emails after the fact.

This takes about two minutes, so even if you’re on your morning commute, eating lunch or, ahem, using the bathroom, you can do it right now.

Once you enter your information, you’ll be asked to choose your coverage amount — anywhere between $ 50,000 to $ 10 million. If you’re not sure how much you should get, Policygenius offers a calculator that’ll ask you to input basic information, and it’ll suggest coverage amount and length for you.

Don’t get too hung up on this step — you can always adjust your coverage and terms later.

How to Effortlessly Compare Life Insurance Rates

Now Policygenius will aggregate your options and show you your quotes.

To get an idea of what types of prices you’ll see, here’s an example: When I run my information through Policygenius and ask for $ 1 million in coverage, I’m presented 20-year term-life policies starting at $ 44 a month.

That’s way less than my cell phone bill.

Now this is the fun part (just for me?). Add checkmarks to the policies most appealing to you, then compare. Side by side, you’ll compare cost, coverage amount, term and policy type. Policygenius also grades each company on financial strength, customer service and total number of customers.

If you’re worried about the fine print, don’t be. Policygenius presents the fine print in a nice, readable font and lets you know if the policies require a medical exam, any reason it wouldn’t pay out and cancelation or change fees.

Still not sure? You can chat with a Policygenius life insurance advocate. These folks aren’t paid on any sort of commission, so you’ll get unbiased, low-pressure, just-the-facts advice to help.

Once you make your decision, you can enter your information and secure the policy right then and there.

Yup. You can finally check this task off your perpetual to-do list.

You’re welcome!

Carson Kohler (carson@thepennyhoarder.com) is a staff 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 Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

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SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

Thailand’s elephants say goodbye to the circus – and a life of cruelty

Many of the elephants in Thailand live in appalling conditions, but a UK charity has rescued some and returned then to their forest homes, and tourist stays are helping the project to grow

We are being watched. Waking to the call of wild gibbons, I peer out of my hammock into a clearing bathed in dawn light. The mahouts are stoking the campfire, and on the hillside opposite, four elephants – matriarch Thong Kam and three younger ones – keep a benign eye on the handful of humans temporarily sharing their forest home.

Continue reading…
Travel | The Guardian

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SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

Bring on the Monsters! THE LIGHTNING THIEF Trio Talks Life on the Road & More

Percy Jackson has hit the road The National Tour of The Lightning Thief The Percy Jackson Musicalhas already visited cities across the country, and this March it returns to New York City for a six-performancerun at the Beacon Theatre. Below, we chat with the show’s three stars, Kristin Stokes, Jorrel Javier, and Percy Jackson himself, Chris McCarrell. Watch as they talk about slaying monsters onstage, why their fanbase is so special, and so much more
BroadwayWorld.com Featured Content

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

Here’s the Skinny on Filing Bankruptcy and How it Affects Your Life

“I. Declare. Bankruptcyyyyyy!”

As Michael Scott learned in “The Office,” getting rid of debt isn’t as simple as that declaration. Wouldn’t that be nice?

Many people think of filing bankruptcy as an easy way out. But these people have never filed bankruptcy.

What Is Bankruptcy?

Bankruptcy is a legal process by which an individual, couple or corporation with significant debt is either relieved of that debt or allowed to pay it off under a specified plan.

That may sound really appealing if you’ve got debt up to your eyeballs, but realize that even after filing bankruptcy, you may still have to repay your debt.

All bankruptcy really does is give you a metaphorical fresh start with your finances. Fresh like when you were 18 and the only credit card you could qualify for had 82% interest and a $ 500 limit.

While for some people, bankruptcy is better than having their wages garnished or their homes put into foreclosure, it should be a last resort for getting rid of debt.

But if you’re out of options, bankruptcy can give you a chance to get your debt under control and get creditors and collectors off your back (and out of your bank account).

Here’s How Bankruptcy Works

The process is extremely complex, so don’t expect to go through it alone — and don’t expect it to be cheap.

First, you’ll file with the bankruptcy court in your federal judicial district. There’s at least one in every state. In most cases, this administrative process is carried out by a trustee appointed to your case.

The trustee helps you file paperwork and oversees your estate (anything you own) during the case. They’re an impartial player who can challenge creditors’ claims or yours, based on conversations with both.

Then a bankruptcy judge decides whether to discharge your debts. They could deny you for a few reasons:

  • You failed to keep or produce adequate financial records.
  • You failed to explain any loss of assets.
  • You committed a crime, e.g., perjury.
  • You failed to obey a lawful order of the bankruptcy court.
  • You hid property that would have been included in your estate.

But in general, if you were able to show your inability to repay debts, you should be granted a discharge.

If they rule in your favor, you’re released from personal responsibility for your debts, and creditors can’t take any more action to collect them.

Bankruptcy Will Trash Your Credit Score

Bankruptcy will most likely be a black mark on your credit history — one that lasts up to 10 years.

But if you’re in over your head with debt, your credit is probably already pretty marred already.

Some experts say bankruptcy won’t hurt your credit much more than a poor payment history. Just make sure filing bankruptcy is really your best option, because the aftermath is not fun.

Here’s one woman’s story of what it feels like to declare bankruptcy and how she repaired her credit afterward.

Beware Bankruptcy Fraud

Remember when you’re filing: Bankruptcy is a legal action judged in federal court. So if you try to pull one over on your judge or trustee, expect some serious consequences. Here are some major no-nos:

  • Concealing assets to avoid having to forfeit them.
  • Intentionally filing false or incomplete forms.
  • Filing multiple times using either false or real information in several jurisdictions.
  • Bribing a court-appointed trustee.

If you’re caught doing any of these you could be fined, denied discharge or face criminal charges.

Types of Bankruptcy for Individuals

Couple planning budget over laptop at home

Individuals and couples can file one of two types of bankruptcy.

Chapter 7 Bankruptcy

Chapter 7 is the most common and is often referred to as liquidation bankruptcy. It’s for individuals who can prove they don’t have the income or means to pay off debts.

After you file, a trustee would help you sell your non-exempt assets, such as your home, car or other valuables, to repay your creditors. Then, even if the sale of those items doesn’t cover the debt in its entirety, you’re discharged from responsibility for your debts.

There is no debt limit for Chapter 7, but your “means” to pay off your debt will be tested and anyone who files for it is required to take credit counseling courses within six months of filing.

Most people can expect the process to take anywhere from three to six months.

Chapter 13 Bankruptcy

Chapter 13 — or “wage-earner bankruptcy” — is for people whose income makes them ineligible for Chapter 7. Individuals and families who file Chapter 13 will work with a trustee to restructure and reorganize their debts and pay it back over three to five years, in which time debtors are not allowed to take on any additional debt.

You won’t have to liquidate any assets in Chapter 13, meaning you can keep your house. Instead, your payment plan will be determined by your household income and how it compares to your state’s median income.

Chapter 13 bankruptcy does come with some debt limits. According to the Federal Judiciary, you can only have:

  • $ 1,184,200 in secured debt, i.e., debt that is secured by collateral, like a house or car.
  • $ 394,725 in unsecured debt.

Federal law requires you to make your first payment to your trustee 30 days after filing.

Other Types of Bankruptcy

The Federal Judiciary describes bankruptcy as it applies to businesses and less common types of bankruptcies. Here’s a basic overview:

Type Typically Used by Basic Requirements Debt Limit Filing Fee*
Chapter 7 Individuals Prove you don’t have the means to repay debts n/a $ 335
Chapter 13 Individuals Have reliable income and the ability to repay debts $ 394,725 unsecured; $ 1,184,200 secured $ 310
Chapter 11 Businesses Be engaged in commercial or business activities $ 2,566,050 $ 1,717
Chapter 9 Municipalities, including cities, counties and school districts Municipality must be insolvent n/a $ 1,717
Chapter 12 Family farmers and fisherman Individual or married couple whose primary income and debt are related to the farming or fishing operation $ 4,153,150 farming; $ 1,924,550 fishing $ 275
Chapter 15 Foreign debtors Case must involve parties outside of the U.S. n/a $ 1,717

*Fees and requirements are accurate as of February 2019.

What to Expect When You File Bankruptcy

The process is pretty involved, and you’re probably going to want to consult with a bankruptcy attorney to make decisions for your individual case. Here’s a quick overview of what to expect.

Bankruptcy Fees

You can apply to have Chapter 7 fees waived (with this form) or set up a payment plan for Chapter 13 fees if you can’t afford them upfront. To be eligible for a waiver, your household income should be less than 150% of the poverty line (calculated for you here), and you have to be unable to pay the fee in installments.

Additionally, you’ll be responsible for legal fees, which will vary.

Automatic Stay

Once you file bankruptcy, creditors and collectors have to stop trying to collect the money you owe them while the case is open.

That’s called an “automatic stay.”

If a company continues to try to collect during the stay, it’s violating a court order. Let the company know in writing, and the collections will likely stop. If they don’t, notify the bankruptcy court, which can punish the company for violating a court order.

Remember: Bankruptcy (Almost) Never Discharges These Debts

Debtors typically use bankruptcy to discharge credit card or medical debt. Many types of debt can’t be discharged this way, including:

  • Student loan debt (except sometimes).
  • Child support.
  • Alimony.
  • Most tax debts.
  • Debt you owe someone as a result of a criminal or civil charge, e.g., injury caused by a DUI.

For auto loans and mortgages, your debt may be discharged, but it could mean the creditor can seize the property you took a loan against — they could repossess your car, for example.

You can instead choose to “reaffirm” the debt, or leave it out of the bankruptcy discharge, and you’ll remain responsible for paying it off. And you get to keep your property.

Dana Sitar (dana@thepennyhoarder.com) is a writer and editor at The Penny Hoarder. Say hi and tell her a good joke on Twitter @danasitar.

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

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‘Enjoy your life’: Trump puts new attorney general in an awkward position from the start

William P. Barr’s first days on the job have been marked by a wave of Trump attacks on the Justice Department or the officials who came before him.
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After a gunman opened fire in Aurora, Terra Pinkard received the last text from the love of her life

The day after Valentine’s Day, Terra Pinkard received a final text message from the love of her life.


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Worried You Won’t Qualify for Life Insurance? This Company Has You Covered

Nobody’s perfect. Maybe you’re interested in getting some life insurance, but you’re worried you won’t even qualify for it because of your health.

Maybe you have diabetes or heart disease. Maybe you’re a smoker. Maybe you’re a little heavy. Maybe your family history is littered with medical landmines. Or maybe you’re… welllllll, just not as young as you used to be. That happens to all of us.

If that’s the case, how can you get life insurance without paying through the nose for it?

The short answer is to shop around. Here’s the tricky part: Life insurance companies have radically different ideas about what constitutes a health risk.

“Not all companies treat health conditions equally. Some may offer better rates for people with diabetes, while others are cheaper for baby boomers,” advises Policygenius, an online insurance marketplace. “Make sure you’re going with a company that gives you the best possible price.”

Policygenius would know. It’s a digital platform that offers you instant quotes from competing insurance providers.

Even if you’re not in picture-perfect health, you can still get life insurance, and this company can help.

First, you type in your information and answer a series of questions. Policygenius uses its algorithms and its search engines and works its magic to find your best options for you to compare side-by-side.

Specifically, you can see how much money they want to charge you.

It’s a smart way to find out what insurers like Prudential, Lincoln Financial or Transamerica really think about your particular health issues, whatever they may be.

It Doesn’t Cost as Much as You Think

Don’t be afraid. No matter what, life insurance probably isn’t as expensive as you think it is.

For instance, nearly half of millennials overestimate the cost of life insurance by about five times the actual amount, according to a 2018 study by the life insurance industry group LIMRA.

The fact is, most people who use Policygenius can get covered for less than $ 30 per month.

Now, if you really have health issues, you may have to pay a bit more.

Policygenius spells this out in its “Life Insurance Shopping Guide,” which it emails to you upon request. “The older, unhealthier or riskier you are to insure — for instance, if you scuba-dive — the more expensive your policy will be,” it says.

That’s why you’ll need to answer a few questions about your health and take a free medical exam. That takes about half an hour, and it can take place in your home or office, if you want.

“The healthier you are — and the less likely you are to die while the policy is active — the cheaper your life insurance will be,” Policygenius says.

Ultimately, it pays to shop around.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He likes to comparison-shop for pretty much everything.

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

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How Mister Rogers’ Life of Quiet Grace Turned Him Into an Unlikely Pop Culture Hero 16 Years After His Death

'Mr. Rogers' Neighborhood, Fred RogersFred Rogers isn’t your typical pop culture icon.
As the host of the long-running PBS children’s program Mister Rogers’ Neighborhood, he wasn’t slick or sarcastic, hip or…

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How to Keep Your Spirits High When Life Stinks

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

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

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

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

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

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YOUR MONEY, YOUR LIFE: EPISODE 6 – “Ways To Finance Your Emergency Fund”

Establishing and maintaining a cash emergency fund, with an amount equal to six months up to a year’s worth your annual living expenses, is a foundational principle of financial wellness. Author, speaker, and financial coach Tarra “Madam Money” Jackson answers the question of where to get the money to finance your emergency fund



The new personal finance podcast, Your Money, Your Life is sponsored by Prudential and hosted by Black Enterprise’s own Alfred Edmond Jr. This special series features a lineup of great guests, including The Breakfast Club’s Angela Yee; DeForest B. Soaries Jr., founder of the dfree Financial Freedom Movement; Tiffany “The Budgetnista” Aliche; and Jacquette M. Timmons, president & CEO of Sterling Investment Management. The show will cover money topics ranging from how to control your debt to our psychological relationship with our finance. A can’t miss!

The post YOUR MONEY, YOUR LIFE: EPISODE 6 – “Ways To Finance Your Emergency Fund” appeared first on Black Enterprise.

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Cynthia Speaks Out About Her Sexual Violation as a Child | Iyanla: Fix My Life | OWN

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

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!

A Daughter Reveals She Was Violated at Age 6 to Her Anguished Mother | Iyanla: Fix My Life | OWN

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SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

YBN Cordae Tackles His Love Life for New “Locationships” Video

A few weeks after the release of his “What’s Life” video, YBN Cordae is back with another new single and visual. This time around, he’s addressing his love life for the S1-produced “Locationships.”

“I got this spoiled L.A. girl, she from Chino Hills / She let me drive her daddy Bentley, swear that she so real / I swear her silence be so crazy and be sayin’ the most / But when we go out to eat she always pay for us both,” YBN Cordae raps. “I got this one chick from the bay who always bump Mac Dre / I give her constant dick, her consciousness won’t go that way / I tell her, ‘Everyday, lady, you’ll be havin’ my baby’ / She say, ‘Yee! Lil’ n***a, man, you hella crazy.'”

You can check out YBN Cordae’s new, @APlusFilmz-directed video for “Locationships” above.

For more, check out YBN Cordae’s recent Sneaker Shopping appearance.

Read more at HYPEBEAST




HYPEBEAST

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Iyanla to 3 Estranged Sisters: “You Shared a Womb” | Iyanla: Fix My Life | Oprah Winfrey Network

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SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

Monzell Rejects Evonne’s Apology Bc Her False Rape Accusation Broke Him | Iyanla: Fix My Life | OWN

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SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

‘This is no way to live’: Former Nationals pitcher Micah Bowie is in a fight for his life

At a basic, granular level, Bowie’s fight, ever since his surgically repaired thoracic diaphragm re-ruptured on Dec. 22, is the simplest possible: to live to take another breath.
Sports

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Discovery, World Wild Life Foundation Team Up to Preserve Bikin National Park Featured in ‘Tigerland’ (EXCLUSIVE)

Discovery and World Wildlife Fund US (WWF-US) will partner on a matching donation campaign to help preserve Bikin National Park in Russia, the partners said at the Sundance Film Festival on Sunday. The announcement comes as Discovery is in Park City, Utah for the premiere of the company’s new documentary “Tigerland,” a look at the […]

Variety

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Iyanla Reveals the Results of the Lie Detector Tests | Iyanla: Fix My Life | Oprah Winfrey Network

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

A Daughter Confronts Her Mother for Neglecting Her as a Child | Iyanla: Fix My Life | OWN

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SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

Iyanla Shuts Down a Woman Who Can’t Keep Her Aggression in Check | 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!

Iyanla To Nichole: You Don’t Get To Control The Healing Process | Iyanla: Fix My Life | OWN

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SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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