Living with your parents to save money might dim your chances of becoming a homeowner

Young adults who lived with their parents between the ages of 25 and 34 were actually less likely to become homeowners after 10 years than those who didn't.
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How This Family of 4 Saves $3,600 a Year Living in a 200-Square-Foot Home

Editor’s note: This post was originally published in 2017 and has been updated.

Several years ago, Andrew and Gabriella Morrison and their two kids lived in a 2,200-square-foot house in Ashland, Oregon.

Andrew describes it as the perfect house on the perfect street in the perfect town — the American dream, really.

On the outside, the family appeared to have everything. But on the inside, they were feeling increasingly stressed by their finances.

“We started recognizing the financial and energetic cost of living there and how busy we were trying to maintain it,” Andrew says.

So, the family of four decided to downsize — in a major way.

Discovering Tiny Homes — Long Before HGTV Did

The Morrisons’ decision to ditch their seemingly picture-perfect suburban lifestyle happened fast. Andrew describes it as an “aha” moment.

In the midst of their frenzied days, Gabriella received an email from someone whose signature line read, “Tiny House Blog.” She’d never even heard of tiny houses before. So naturally, she did a quick internet search.

“It was literally like dominoes,” she says. “We went down the rabbit hole and never looked back.”

Within 30 minutes of researching the tiny-house lifestyle, Gabriella says everything became clear about why they were having issues and what needed to be done.

The Ultimate Purge: Getting Rid of 80% of Their Belongings

Gabriella learned the average U.S. household holds something like 300,000 items — everything from paperclips to armoires.

That’s a lot. So the family created something they called a “365-day rule.” Each time someone went into a room with a drawer or cabinet, every single item was pulled out.

With each item, they asked, “Have we used it in the last year?”

If the answer was yes, then they could decide if they wanted to keep it. If the answer was no, it went in an ever-growing pile in their two-car garage.

After a couple of months, that pile of cast-off items grew about two feet high. Once an item was in the pile, they decided if they still wanted to keep it or if they wanted to sell or donate it.

“The more we did it, the easier it became and the more excited we got,” Gabriella says.

When the pile dwindled to heirlooms and childhood tokens, the family took a breather. They put them in a small storage box to return to a few years later.

Their inevitable solution for many of those items? Take photos of them or digitize them. For example, they’d transfer old photos to CDs and take photos of old trophies.

Then they’d purge.

In the end, the family rid themselves of about 80% of their belongings.

Including their home.

Although it was their perfect home, the family was excited for their newest adventure: pop-up living on the shores of Mexico.

Moving Into a Pop-Up Camper and Testing the Tiny Boundaries

After purging material goods, the family decided to test out the tiny lifestyle by living in a pop-up camper for nearly five months on the beaches of Baja, Mexico.

The couple continued to operate their business, Straw Bale, which focuses on homes made of straw bales.

Their son, Paiute, was off at boarding school, so there was one less body in the newly adopted living space.

However, it wasn’t all frolicking in the Sea of Cortez (though that did happen a lot). Gabriella remembers being “shocked and disturbed” during that first month in the camper.

The emotional withdrawals from the lack of electronics and material goods were surprisingly intense for Andrew and Gabriella — even for their home-schooled daughter, Terra, who was 11 at the time.

“Before, our lifestyles involved a ton of work — 10 hours a day, 7 days a week — and constantly being on screens, returning phone calls, receiving emails,” Gabriella explains. “Then, for our daughter, it was with the social media channels. They start pretty young these days.”

At one point, the trio was so uncomfortable, they almost packed up and returned home.

But near the 30-day mark of their adventure, Andrew woke up and “some switch went off,” Gabriella says. “He was able to see the incredible paradise we were living in and the incredible opportunity before us.”

Gabriella and her daughter soon followed.

Today, the Morrisons consider it the best experience they’ve ever had.

Returning to Oregon to Put Down Some Tiny Roots

After five months, the Morrisons returned to Ashland to scout out the perfect piece of land for a permanent tiny house.

Although the ZIP code was expensive, the family resolved to stay where they’d already established a life.

But the couple wasn’t willing to go into debt. So they waited.

During that time, which ultimately lasted two years, they rented the smallest house they could find. Even then, the space wasn’t small enough. Andrew and Gabriella settled into the walk-in closet — about the size of a queen mattress.

“It was our bedroom, it was our library, it was our hanging clothes closet,” Andrew says. “But even that was too big. We couldn’t find anything small enough for us.”

Gabriella chimes in: “We weren’t comfortable being in a big space [anymore].”

Finally, Andrew and Gabriella found what they were looking for: five acres in the Rogue Valley, amongst the mountains. There was even a creek cutting through the property.

Although it posed some problems, like a lack of approval for a septic system and challenging access to the building site, Andrew was a former builder with ample experience, and he accepted the challenge.

The Struggles of Constructing a Tiny House in the Dead of Winter

Andrew and Gabriella moved back into their pop-up camper to start building their tiny dream home on their newly-acquired land.

Rather than commuting from town each day — about a 30-minute haul — they figured they could be more efficient living right on the job site.

But it was cold.

“I can tell you that living in a pop-tent trailer in the winter in Oregon is not the same as living in a pop-tent trailer on a beach in Mexico,” Andrew says. “It got cold. We had snow. We didn’t have any running water. It was definitely a mistake.”

The two returned to town to stay with a friend and resumed construction while Paiute and Terra were off at boarding school.

It took about four months for Andrew to complete the 207-square-foot tiny home — plus 110 square feet for a sleeping loft.

How Much Money Can You Save Living in a Tiny House?

The biggest perk? They’re no longer financially stressed.

Gabriella estimates that in about two more years they’ll have paid off their tiny home with the money they’ve saved by not having a mortgage.

Utilities have been slashed, too. Heating a 207-square-foot home is a lot less expensive than a 2,200-square-foot home. They’re also technically off the grid, so their solar power is free and the water runs from a well.

Their monthly bills have been shaved down to internet, phone and garbage. They pay their propane heating bill twice a year.

They’ve also noticed a difference in their grocery bill.

By American standards, their refrigerator is about half the size of a “normal” one. But because they don’t have any of those deep, dark corners, items can’t be tucked away and forgotten; every food item is in view and consumed.

Andrew and Gabriella have also become more aware of their spending habits. Neither was ever a shopaholic, but impulse buying definitely happened. Now, they just don’t have room for it.

They’ve even stopped taking freebies. Andrew shares a story about how he opted out of the “free” counterpart of a BOGO deal for pants. He had to explain to the cashier that he lived in a tiny home; he didn’t have room for another pair of pants.

The couple laughs. “It’s taken our mindset to where, even if it’s free, if you don’t need it, cut it,” Andrew says.

Gabriella suspects they’ve cut at least $ 300 from their spending each month — just by living in the smaller space. That’s $ 3,600 a year — at least, Gabriella emphasizes.

“We had a choice what to do with our money, and, had we not gone through the experience of living minimally, I have no doubt that we would have just put that money into a much bigger home,” Gabriella says.

“Then we would have been sitting on a half-million dollar housing payment for the next 30 years.”

Instead of paying off debt, the power couple built a business from their passion: Tiny House Build. Because they live and breathe the lifestyle, they offer resources and host workshops for those who hope to build tiny homes of their own.

Carson Kohler (@CarsonKohler) 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.

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Howard Stern: Living Under Trump Presidency ‘Feels Like an Alternate Reality. I’m as Shocked as You Are’

Time & Life Pictures/Getty

It’s hard to say which dude comes off as more puerile, shameless and creepy—the shock jock (because, after all, that was his job) or the future president of the United States.

Howard Stern’s new book, Howard Stern Comes Again—a compendium of his favorite radio interviews with celebrities, accompanied by his less than Talmudic commentary—documents his two indecorous decades as Donald Trump’s enabler and political cheerleader who, along with NBC’s former chief executive Jeff Zucker (the instigator of The Apprentice), helped the publicity-hungry real estate, branding and bankruptcy impresario position himself to run for high office.

“Now here he is sitting in the Oval Office and flying around on Air Force One,” Stern writes in the introduction. “Two years into his first term, I’m still trying to wrap my brain around it. I feel like I’m living in an alternate reality…[B]elieve me, I’m as shocked as you are.”

Read more at The Daily Beast.

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Creating a Luxurious Outdoor Living Space

For most of us here in Canada, winters can be long and harsh and those precious summer months beg us to spend as much time outside as possible. It’s not surprising that outdoor living spaces continue to be an important part of our homes. Creating an outdoor space that you love to spend time in and can enjoy for as long as possible allows us to maximize our summer enjoyment and increase the equity in our homes. Here are a few tips to help you create the perfect outdoor living space!

Photo Source: HomeSense

Start With a Plan! Every outdoor living space, from a small balcony to a large backyard, can offer a place to sit back and relax. Ask yourself what activities you’d like to incorporate into your space and then create a plan that incorporates those functions. One big mistake homeowners make is adding a single detail – like a pool or a deck – to their yard without thinking about how it will work with future landscaping plans. Even if your budget does not allow you to overhaul your entire yard this year, start by creating a plan for what you’d like to final layout to be. You can always finish your space in stages but having a plan will ensure that you don’t have to make expensive changes later on because something doesn’t fit.

Consider Care & Maintenance! A beautiful outdoor living space that eats up all your free time to maintain over the summer defeats the purpose of having the space in the first place. There are plenty of options today for low-maintenance products, plants and materials that can be used to create a space that you can actual have time to just enjoy. Consult with a professional landscaper and fence/deck builder as you go to ensure you understand the maintenance requirements as you go. Some common outdoor living choices like hot tubs and pools come with maintenance requirements so ensure you understand the time and cost that will be involved in maintaining these features before you decide to add them into your plan.

Plan to Entertain! If you like to entertain, this will be a big consideration when planning your outdoor space. You will want to include places to sit and visit, places to prepare and serve outdoor dinners and the like. This may be as simple as a deck with a BBQ, dining set and conversation area or you may want to incorporate a full outdoor kitchen with all the conveniences of the indoors right at your finger tips.

Extend Your Season! The biggest reason our outdoor season is cut short is weather and while we can’t control the weather, we can prepare for it to ensure we can enjoy our outdoor time for longer. Things like well planned landscape lighting, a fireplace, outdoor heaters, gazebos, sunrooms and even movable walls can be incorporated into your plan, allowing you to enjoy the space on cooler evenings, on rainy days and longer into the fall season.

Plan for Future Growth! How long will you be using this space? How do you envision your lifestyle changing over those years? If you’re planning to move in the near future, you will want to focus on features that will add value to your home while avoiding high maintenance features that may make your home harder to sell later on. If you’re planning to have children or have small children who are going to become teenagers, considering their future needs and your future needs will ensure the yard is something you can still enjoy even down the road. A pool is a prime example: while an open pool may seem like a great idea now, it may be a nightmare down the road when you have little ones. Keeping this in mind, perhaps a plan that incorporates safety measures now can save you the headache of expensive changes in the future.

Get Started! Summers are never long enough so don’t lose those precious days to procrastination. If financing the updates you wish to make is the next step, consider a home equity loan which will allow you to access the funds you need to complete your updates and allow you to begin enjoying your new outdoor living space now! Talk to a Tribecca home equity specialist to find out what options are available to you today!

The post Creating a Luxurious Outdoor Living Space appeared first on Home Trends Magazine.

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‘Varsity Blues’ Ringleader Rick Singer Still Living Large Despite Bribery Plea

Rick Singer, the man who pulled all the strings in the massive college admissions bribery case, is living the Porsche lifestyle while the clients he ratted out face years in prison. Shirtless Rick was chillin’ at a public pool Tuesday in St.…

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Essentials for Outdoor Living

Our contributors share some of their favorite finds for outdoor living spaces.

Lights, Pottery Barn; Pots, CB2

I love a planter garden. This gives an opportunity to play with new ideas every season. Last year, I planted each pot with a different herb for a modern look. Of course, no garden is complete without string lights to set the mood for that backyard bash or intimate outdoor dinner. – Shirley Meisels

Light, Lumens; Pouf, CB2

Lighting can turn an ordinary outdoor space into something magical. In a garden or around a pool, this Pearl LED Lamp looks amazing when displayed in multiple sizes. I also love indoor/outdoor pouffes. They make great little side tables when you put a tray on top, or can be used as an extra seat if needed. – Christine Elliot

Keep your drinkware and cocktail supplies in one place with a bar cart that has a cooler/ice storage. Outdoor fabrics have also come a long way! Add color and interest to your outdoor space with pillows and cushions in interesting fabrics and textures. – Robbin Caskenette

Photo, Toja Grid

Protection from the elements is key! Enjoy the outdoors longer with covered lounging, dining and cooking areas. – Trish Knight

Stylish melamine plates that won’t break if a party gets too wild is a must. We also recommend stemless glasses that won’t tip on outdoor furniture which tends to be a bit less stable when placed on uneven ground pavers and grass. – Amanda Hamilton

I love to add a personal touch to my outdoor living space with decorative DIY projects that add a hint of whimsy. You can find some of my favorite DIY accents on the Marc & Mandy Show or online at www.MarcandMandy.com! – Marc Atiyolil

Treat your outdoor living space like a living room and don’t forget to add an area rug. I also love the look of palms and plants in an outdoor space to create an oasis. Put them in fun planters for a creative touch. – Karla Dreyer

A great feature in an outdoor living space is a concrete fire table. Available in gas or propane, these upscale campfires help you stay warm on cool summer nights and are ideal for after dinner lounging. When not ignited and combined with the cover, this table also functions as a coffee table. I also love a stylish insulated rolling cooler which allows guests to enjoy ice cold beverages outdoors! – Jillian Straky

The post Essentials for Outdoor Living appeared first on Home Trends Magazine.

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The Tribeca Film Festival Celebrates ‘In Living Color,’ A Pioneer of Black Sketch Comedy

The Tribeca Film Festival celebrated the 25th anniversary of In Living Color, a pioneering comedy sketch show created by filmmaker Keenen Ivory Wayans in the 90s. The show, which spoofed celebrities, politicians, and cultural moments from 1990 – 1994 on Fox, featured stars like Jim Carrey, Jamie Foxx, and Damon Wayans.

On April 27, original members of the cast, including Ivory Wayans, his younger siblings Kim and Shawn Wayans, David Alan Grier, and Tommy Davidson, reunited for a panel conversation at the festival following an episode screening of the original show. When discussing the intent of the cutting-edge show, Keenen said “the intent was to include everybody. Everybody is going to laugh. It was all inclusive so we offended everyone…We wanted everybody to go, ‘Man that’s messed up, but that is funny as hell.’”

On the red carpet, Davidson said the Emmy Award-winning show helped paved the way for many of today’s popular sitcoms and comedies featuring black actors. “We’re in everything from sitcoms from Black-ish to Atlanta to every standup comic,” he told BLACK ENTERPRISE. “We’re a part of everything that’s happening because we’re a good nucleus that started the whole ball rolling.”

It also helped launch the careers of some of the biggest stars in comedy. “In Living Color was my comedy college,” Shawn Wayans told BE. “That’s where I learned everything from acting to writing to producing. Everything I know today was taught on that show.” Likewise, Kim Wayans said, “it was my first really big thing. In Living Color was my introduction to the world.”

At the time, they had no idea the show would become their launching pad to stardom and a staple in pop culture. “We were young. We were just kids ourselves so we weren’t really thinking big picture. Maybe Keenen thought about [the] big picture,” said Kim. “We were creating and just laughing. It was the time of our lives. We weren’t thinking much ahead of that,” added Shawn.

Nevertheless, Davidson says he cherishes the early days of the comedy hit, revealing that his most memorable moments on set happened during “our first season before we knew we were famous when we were doing it just for laughs and to pay our bills. That was the most magical time,” he said. “It gave us our blueprint. We created our own blueprint the first season and that just grew from there.”

The post The Tribeca Film Festival Celebrates ‘In Living Color,’ A Pioneer of Black Sketch Comedy appeared first on Black Enterprise.

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An Inside Look at Community Living

Photo Source: osoyooscottages.com

For an expert look at the benefits of community living, we sat down with Jody Curnow of The Cottages on Osoyoos Lake. The Cottages recently released their last hillside view lots and with home prices ranging from $ 517,900 to over $ 1.4 million making The Cottages Okanagan’s most affordable waterfront community. Jody not only helps future homeowners find the perfect lot for their new home, she is also a homeowner at The Cottages as well!

CANADIAN HOME TRENDS WHAT IS COMMUNITY LIVING?

JODY CURNOW Community living is a fairly broad term used to describe a variety of living arrangements but the one thing they all have in common is that they are based on the idea of a shared lifestyle and amenities. The Cottages is a gated community, designed to be the perfect mix of detached living and community living. Homeowners live in private, detached homes but enjoy a wide variety of shared amenities and community social events.

Wine Tasting Event at The Cottages

CHT WHAT DO YOU THINK IS THE BIGGEST DRAW WHEN IT COMES TO COMMUNITY LIVING?

JC Community living offers the perfect mix of privacy and access to amenities. The Cottages is a gated community that offers its homeowners access to a private beach and marina, two pools and two hot tubs, a 7,000 square foot community center, a fully equipped exercise room as well as lush lawns and play areas that are maintained for you. These amenities are all located within the gated community. They offer a much quieter and more private environment than public facilities would, but they are maintained by the community staff, allowing you to simply enjoy them without the stress of maintenance and upkeep.

Photo Source: osoyooscottages.com

CHT WHAT SHOULD HOMEOWNERS CONSIDER WHEN CHOOSING A COMMUNITY?

JC While the amenities and lifestyle of the community itself are key to choosing the right community, you should also consider the local area and what is available there in terms of shopping, health care, schools and entertainment. The Cottages feel like a private getaway and yet it is just minutes away from shops, schools, health care, hiking and biking trails, golf courses, snowboarding, skiing, snowshoeing, a world class motor sport track, restaurants and wineries. Community members have easy access both to a variety of fun experiences but also to daily necessities like groceries or health care. These are important things to consider to ensure you can enjoy your new home without concern or inconvenience.

The post An Inside Look at Community Living appeared first on Home Trends Magazine.

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Reaction to the Korean boy band’s TV performance was quick and exuberant. ‘Crushed it!’ said one. ‘I screamed in my living room,’ said another.

This week’s “SNL” was all about BTS.


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Brain scans may reveal concussion damage in living athletes

Researchers may be closing in on a way to check athletes while they’re alive for signs of a degenerative brain disease that’s been linked to frequent head blows. Experimental scans found higher levels of an abnormal protein tied to the disease in a study of former National Football League players who were having mood and…
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Doctors May Have Found a Way to Reveal Concussion Damage in Living Football Players

Researchers may be closing in on a way to check athletes while they’re alive for signs of a degenerative brain disease that’s been linked to frequent head blows. Experimental scans found higher levels of an abnormal protein tied to the disease in a study of former National Football League players who were having mood and thinking problems.

It’s the first time a major study has tested these scans for detecting chronic traumatic encephalopathy, or CTE, which is only diagnosed now after death, with brain autopsies.

Doctors are searching for a way to tell when players, veterans or others with concussions or other head injuries are at risk for permanent damage. It’s too soon to know if the scans will enable that — so far they only show that these athletes are different as a group; they can’t be used to say a particular player does or does not have CTE.

“We’re not there yet,” said Boston University neuroscientist Robert Stern. “It is not ready to be used for individual diagnosis in the clinic.”

He led the study, published Wednesday by the New England Journal of Medicine.

“It’s an encouraging advance. It looks like they have detected CTE in living players,” said Dr. Gil Rabinovici, a neurologist and imaging expert at the University of California, San Francisco, who is doing other research using the scans.

“It’s hugely important to be able to detect the disease in living people” to know how common it is and to research treatments, he said.

The study was done in Massachusetts and Arizona and involved 26 former NFL players with thinking, mood or behavior problems, and 31 similarly aged men without these symptoms or head injuries.

They were given positron emission tomography, or PET scans, in which a radioactive tracer is injected that binds to various substances and makes them visible on the scans. Several of these tracers are used now to look for a protein called beta amyloid in the brains of people with Alzheimer’s disease. An experimental tracer that doctors are testing binds to another protein, tau, which is the key one that’s been implicated in CTE.

Men in the study had both types of tracers. Tau levels were higher in the players compared to the others, but their amyloid levels were similar, confirming that CTE is a different disease than Alzheimer’s.

Researchers also saw a relationship to years of play.

“The more years of play in tackle football across all levels, the greater the amount of tau detected,” Stern said.

However, there was no relationship between tau levels and the severity of mood and thinking symptoms. Researchers think the study may have been too small to detect a difference or that tau may not be the only factor involved.

“There’s a lot more work to be done to develop a diagnostic” tool using these scans, said Dr. Michael Weiner an imaging expert at UCSF who is involved in other CTE research.

Government grants and Avid Radiopharmaceuticals, which makes the tracers, funded the study. Some authors work or consult for the company.

A larger study of former NFL and college football players is underway; first results are expected early next year.

Mike Adamle, a former running back for the Chicago Bears and sports announcer, has been told he has symptoms consistent with CTE, and has been evaluated by Stern at the Boston research center though he was not part of the current study.

“I had more than a few” concussions, Adamle said. “If you were running, everybody kind of led with their head. Back then, it was a test of your macho man stuff.”

The illness has been devastating, said his wife, Kim. “He couldn’t remember his lunch or he couldn’t remember his lines on the air,” and lost multiple jobs, she said.

If a test could have shown he was at risk and given him a chance to consider quitting play, “I would have definitely taken note,” Mike Adamle said.

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US Begins Organ Transplants From Living Donors Who Have HIV

(Johns Hopkins Medicine via AP)

WASHINGTON (AP) — Surgeons in Baltimore have performed what’s thought to be the world’s first kidney transplant from a living donor with HIV, a milestone for patients with the AIDS virus who need a new organ. If other donors with HIV come forward, it could free up space on the transplant waiting list for everyone.

Nina Martinez of Atlanta traveled to Johns Hopkins University to donate a kidney to an HIV-positive stranger, saying she “wanted to make a difference in somebody else’s life” and counter the stigma that too often still surrounds HIV infection.

Many people think “somebody with HIV is supposed to look sick,” Martinez, 35, told The Associated Press before Monday’s operation. “It’s a powerful statement to show somebody like myself who’s healthy enough to be a living organ donor.”

Hopkins, which is making the transplant public on Thursday, said both Martinez and the recipient of her kidney, who chose to remain anonymous, are recovering well.

“Here’s a disease that in the past was a death sentence and now has been so well controlled that it offers people with that disease an opportunity to save somebody else,” said Dr. Dorry Segev, a Hopkins surgeon who pushed for the HIV Organ Policy Equity, or HOPE, Act that lifted a 25-year U.S. ban on transplants between people with HIV.

There’s no count of how many HIV-positive patients are among the 113,000 people on the nation’s waiting list for an organ transplant. HIV-positive patients can receive transplants from HIV-negative donors just like anyone else.

Only in the last few years, spurred by some pioneering operations in South Africa, have doctors begun transplanting organs from deceased donors with HIV into patients who also have the virus, organs that once would have been thrown away.

Since 2016, 116 such kidney and liver transplants have been performed in the U.S. as part of a research study, according to the United Network for Organ Sharing, or UNOS, which oversees the transplant system. One question is whether receiving an organ from someone with a different strain of HIV than their own poses any risks, but so far there have been no safety problems, said UNOS chief medical officer Dr. David Klassen.

Hopkins’ Segev said Monday’s kidney transplant was a world first. Doctors had hesitated to allow people still living with HIV to donate because of concern that their remaining kidney would be at risk of damage from the virus or older medications used to treat it.

But newer anti-HIV medications are safer and more effective, Segev said. His team recently studied the kidney health of 40,000 HIV-positive people and concluded that those with well-controlled HIV and no other kidney-harming ailments like high blood pressure should face the same risks from living donation as someone without HIV.

“There are potentially tens of thousands of people living with HIV right now who could be living kidney donors,” said Segev, who has advised some other hospitals considering the approach.

Generally, kidneys from living donors last longer, added Dr. Niraj Desai, the Hopkins surgeon caring for the recipient. And if more people living with HIV wind up donating, it helps more than HIV-positive patients who need a kidney.

“That’s one less person waiting for a limited resource,” Desai said. “That helps everybody on the list.”

Martinez, a public health consultant, became interested in living donation even before HIV-to-HIV transplants began. Then last summer she learned that an HIV-positive friend needed a transplant, and tracked down Segev to ask if she could donate.

Her friend died before Martinez finished the required health tests but she decided to honor him by donating to someone she didn’t know.

A runner who plans on making this fall’s Marine Corps Marathon, “I knew I was probably just as healthy as someone not living with HIV who was being evaluated as a kidney donor,” Martinez said. “I’ve never been surer of anything.”

[ione_media_gallery id=”755332″ overlay=”true”]

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Cast Of ‘In Living Color’ To Reunite At Tribeca Film Festival

Cast members of In Living Color will reunite at the 18th annual Tribeca Film Festival for a conversation following a screening of the pilot episode of the 90’s sketch comedy series.

The HuffPost reports that the festival will for the first time celebrate anniversaries and milestones of iconic television shows. “In Living Color” ran for four years from 1990 to 1994 on Fox. Series creator Keenen Ivory Wayans and co-stars Shawn Wayans, Kim Wayans, Tommy Davidson, David Alan Grier, and Rosie Perez are all expected to attend.

“Twenty-five years after its finale, the cast and creator of the groundbreaking sketch comedy show ‘In Living Color’ will reunite to reflect on the Emmy Award-winning show that upended the landscape of television comedy and launched the careers of some of the greatest entertainers of our time,” the press release stated.

Davidson teased news of the reunion on Twitter via a throwback photo of cast members Jim Carrey, Kim Coles and Kelly Coffield Park. “Guess who’s getting together 4 @Tribeca FF 2019?” he wrote. “That’s right #InLivingColor gettin’ 2gether 4 reunion”

Asked about the possibility of a “In Living Color” revival Carrey told ET last year, “That show needs to exist. I’d love to see it reconstitute itself in another form.”

The Tribeca Film Festival runs from April 24 to May 5. The In Living Color screening and panel will take place Apr. 27.

PHOTO: E J Camp/Fox-TV


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Wendy Williams reveals she’s been living in ‘sober house’

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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!

Living Large in a Small Condo

Photo by Larry Arnal

UNDERSTAND HOW YOU LIVE and how you will utilize your space. If you always eat at the kitchen island, maybe you don’t need a kitchen table. Work from home? Then maybe a desk is more important than a kitchen table.

BUY FURNITURE that is the right scale for your space. That means measuring every room. Hiring a designer or decorator will help you with space planning to ensure every inch is properly utilized.

MULTI-FUNCTIONAL FURNISHINGS are key. Look for beds with additional storage underneath or sofas that convert to a guest bed.

CONSIDER A LUCITE or glass coffee table that give off the illusion of space.

BRIGHT LIGHTING will open up the space. Conserve floor space by adding sconces instead of floor lamps.

INCORPORATE PRETTY STORAGE baskets and bins to hide magazines, throws, cushions and any seasonal items to reduce clutter.

Tip by Designer Christine Da Costa, www.decorbychristine.com

The post Living Large in a Small Condo appeared first on Home Trends Magazine.

Home Trends Magazine

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Growing Literacy in a Living Laboratory

With focused organization, a West Linn, Oregon, school garden program has blossomed, teaching students how to grow food … that doesn’t come in wrappers.

Carolyn Garnett, a physician assistant at Sunnyside Medical Center in Clackamas, Oregon, won a national service award for creating the garden literacy program at her children’s school.

“There are many facets of the garden program that are beneficial to children’s education,” said Garnett, who works in pediatric orthopedics. “But from my career point of view, if we can encourage healthy eating in children, then I’m helping the cause.”

Garnett is one of 14 Kaiser Permanente employees from around the country to receive the David Lawrence Community Service Award for championing outstanding volunteer activities and initiatives to improve health. The award is named in honor of physician David M. Lawrence, a former chairman and CEO of Kaiser Permanente.

Garnett’s involvement in the garden literacy program at West Linn’s Cedaroak Park Primary School began in 2015.

“There was a garden program, but it was very loose and haphazard,” Garnett said.

A community champion

Cedaroak Park Primary School students prune, plant, and learn more about the food we grow and eat.

Cedaroak Park Primary School students prune, plant, and learn more about the food we grow and eat.

She saw potential and began dedicating about 500 hours per year to expand the program and keep it running smoothly. She tackled administrative tasks, volunteer coordination, outreach, and of course garden maintenance, pruning, and planting.

Thanks to her fundraising and grant-writing efforts, the school has hired a professional science teacher for the garden program. All 300 of Cedaroak’s students receive lessons that apply science and math in the living laboratory of the 5,000-square-foot garden.

“Even in the middle of February, you can go out in the garden and pick something and taste it,” Garnett said. “The kids learn food doesn’t come in wrappers.”

Given that her youngest child, who is 10, will finish at Cedaroak this year, Garnett is mentoring someone to take over as chairperson of the garden literacy program so it will continue after her family moves on.

She also has a leadership role with the West Linn Eco-School Network to share what Cedaroak has learned so other schools can create their own garden programs.

School gardens offer an indirect way to help curb the growing childhood obesity epidemic, Garnett said. “Kids start to make connections with wholesome foods — that this is a radish and it grows in the ground and I can try it. Healthy eating makes more sense to them.”

Main RSS Feed – Kaiser Permanente

NEW PARENT ESSENTIAL UPDATE:

Teens living in US states allowing medical marijuana smoke less cannabis

According to a large-scale study of American high school students, legalizing medicinal marijuana has actually led to a drop in cannabis use among teenagers. The study used the results of an anonymous survey given to more than 800,000 high school students across 45 states to calculate the number of teens who smoke cannabis.
Teen Health News — ScienceDaily

SPECIAL CHILDREN UPDATE:

Parents arrested after young children found locked in dog cage, living in squalor

A mother and father were arrested in north Texas on Tuesday after four young children were found living in squalor in a barn without food or water, authorities said.
ABC News: U.S.

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Diana Ross celebrated her 75th birthday at the 2019 Grammys like a living legend should

Diana Ross celebrated her 75th birthday at the 2019 Grammys like a living legend should


Diana Ross celebrated her 75th birthday at the 2019 Grammys like a living legend should

“Happy birthday to me! Happy birthday to me!”

It’s hard to believe that Ms. Diana Ross is turning 75 in March, but her performance at the 2019 Grammys is certainly the most appropriate way for the diva to celebrate. After a sweet introduction from her admiring young grandson, The Supremes songstress hit the stage in a flowing red gown fit for a fairy godmother. Ross broke into a medley of hit songs from her career with Motown Records, illustrating that her gifts to the world of music span decades. Starting with 1993’s “The Best Years of My Life,” she transitioned into 1970’s “Reach Out And Touch (Somebody’s Hand)” and was soon surrounded by her family in the audience, including daughter and actress Tracee Ellis Ross.

Ross ended the performance with a short speech, reminiscent of the spoken interludes with which Supremes fans are familiar. In addition to emphatically wishing herself happy birthday over a month early on television (goals), she delivered motivational words to the audience that touched on the transformative power of music—a tone set by Michelle Obama earlier in the evening:

“So much love in this room. Together we have no limits…There’s only success ahead, and you can lead the way. Learn, dream, unlock new doors, all is possible, all is possible with music and with you.”

Diana Ross a 61st Grammys
Lester Cohen/Getty Images for The Recording Academy

Diana Ross was the lead singer of ’60s Motown girl group, The Supremes, alongside groupmates Mary Wilson and Florence Ballard. After going solo in 1969, she scored multiple number one hits (including “Ain’t No Mountain High Enough”) and earned an Oscar nomination for her portrayal of Billie Holiday in Lady Sings The Blues.

The Recording Academy tweeted that the performance was meant to “[honor] her landmark career and contributions to music.” Happy birthday to Ms. Diana Ross, indeed.

The post Diana Ross celebrated her 75th birthday at the 2019 Grammys like a living legend should appeared first on HelloGiggles.

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What This Young Mother Living With HIV Wants You To Know

Masonia Traylor

Source: Masonia Traylor / Masonia Traylor

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

HB: Why everyone should get tested for HIV?

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

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

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

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

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

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

I’m not ashamed of another’s fear.

This interview has been edited and condensed for clarity.

Follow Masonia on Twitter @masoniatraylor

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

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

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Life & Style – Black America Web

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Michael B. Jordan Reveals He’s Still Living with His Parents | SuperSoul Conversations | 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!

Loosid is the App for Living Sober – And Helps You Plan a Sober Super Bowl 2019 Party

What are some of the biggest challenges when it comes to living sober? Where do you eat, drink, chill, hang out, and catch up with friends who are like-minded and share the same lifestyle? These challenges are amplified when you’re attending major milestone events like the Super Bowl, which is right around the corner. These types of events where alcohol is the norm can be extremely uncomfortable and in some cases a trigger for the sober.

Now there is an app that will help you wade through the foamy alcoholic landscape to places that encourage sobriety. Loosid was designed with the non-drinker in mind. It connects you with a community of like-minded individuals and gives you access to tailored experiences with the common denominator being alcohol-free.

Loosid provided us with some tips on how to host a sober Super Bowl 2019 party. Check out their recommendations below:

Sober Super Bowl 2019 Party Menu (from Loosid)

First Down:

  •     LA Ram’s Vegan Kale Chips
  •     New England Clam Chowder
  •     LA Ram’s Gold Caramel Pop Corn
  •     New England Baked Bean Dip

Halftime Show:

  •     New England Pizza Bagels
  •     LA Famous Quinoa Salad
  •     New England Patriots Lobster Rolls
  •     LA Ram’s Vegetarian Wrap

End Zone:

  •     Boston Crème Donuts
  •     Malibu Açaí Bowl
  •     New England Bread Pudding
  •     LA Ram’s Dairy Free Frozen Yogurt

Mocktail Menu:

  •    Patriots Famous Apple Cider
  •    LA’s Organic Fruit Smoothie
  •    Virgin Mary
  •    New England Nojito

 

Loosid was born out of the need to unite the sober community and bring together those people in recovery and battling addiction, as well as those who choose to live a sober lifestyle for other reasons, a combined total of over 100 million people from all walks of life. Loosid’s mission is to create a comprehensive digital platform for the sober community that celebrates the sober lifestyle while at the same time providing support for those members of the community in recovery or struggling with addiction.

living sober

Recovery Suite (Image: Loosid)

Through Loosid, it’s easy to find other people who share your perspective, who know all too well that being sober doesn’t mean life has to be boring. Loosid makes it easy to find new friends and even new love, to find fun sober events and destinations, and to find groups in your community and beyond that promote sober living.

 

The post Loosid is the App for Living Sober – And Helps You Plan a Sober Super Bowl 2019 Party appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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Mom Of Gucci Mane’s Son Says She’s Living On Welfare While Rapper Lives It Up

World Famous Rapper Gucci Mane Shopping At The Gucci Store.

Source: WENN.com / WENN

The mother of Gucci Mane‘s 11-year-old son says she’s living on welfare and living in Section 8 housing while the boy’s famous father lives lavishly. Sheena Evans is seeking up to $ 20,000 in child support payments from the rapper and author, which would be an $ 18,000 increase.

The Blast reports:

A hearing was held this week in the case brought by Gucci’s baby mama, Sheena Evans, who sued seeking an increase in the monthly support from the current $ 2,026 a month to $ 20k for their 11-year-old son, Keitheon.

In video shot by Dennis Byron at the hearing, her lawyer spoke to the judge and said her client lives in Section 8 housing, is on government assistance, receives food stamps and is on Medicaid … all while Gucci is making millions.

In her suit filed last year, Evans argued the rapper was making a substantial amount more since leaving prison in 2011.

Gucci’s baby mama took issue with him spending a considerable amount of money on fine jewelry and says when the rapper got married, he spent in excess of $ 1 million for his wedding.

Gucci Mane’s side says that the rapper’s finances have not increased despite Evans’ claims and wants the case tossed out.

Photo: WENN

The Latest Hip-Hop News, Music and Media | Hip-Hop Wired

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Healthy Living During The Holidays

Dr. Susan Reinhard, a registered nurse, senior vice president and director of AARP public policy institute, joins us this morning on behalf of AARP to discuss healthy living during the holiday season and beyond.

She is a nationally recognized expert in health and long-term care, with extensive experience in conducting, directing and translating research to promote policy change.

Q&A

WHAT IS AARP’S APPROACH ON HEALTH?

AARP’S HEALTHY LIVING INITIATIVE, WHICH I AM EXCITED TO BE LEADING, IS TO EMPOWER PEOPLE 50-PLUS TO LIVE THEIR HEALTHIEST LIVES POSSIBLE.

AARP WANTS TO HELP YOU TAKE A WHOLE-BODY APPROACH TO YOUR HEALTHY LIVING GOALS AND HELP YOU TAKE CONTROL OF YOUR HEALTH AS YOU AGE.

A WHOLE-BODY APPROACH TO HEALTHY LIVING MEANS IMPROVING HOW YOU EAT, SLEEP, EXERCISE, AND CONNECT WITH OTHERS AT EVERY STAGE OF AGING.

ON AARP.ORG/HEALTH YOU MAY FIND TOOLS, RESOURCES, AND INFORMATION RANGING FROM EXERCISE TO BRAIN GAMES, FROM COOKING DEMONSTRATIONS TO CONNECTING WITH YOUR COMMUNITY, FROM BETTER NUTRITION TO BETTER SLEEP.

HEALTHY LIVING IS AS MUCH ABOUT MAKING SMALL CHANGES TO YOUR EVERYDAY ROUTINE, AS IT IS ABOUT BIG LIFE-CHANGING BEHAVIORAL COMMITMENTS.

WHAT’S A SMALL CHANGE THAT PEOPLE CAN CONSIDER?

WALK 30 MINUTES A DAY.

AS PART OF OUR HEALTHY LIVING WORK, THIS PAST SPRING WE LAUNCHED A FIT AND FUN CHALLENGE TO PROMOTE PHYSICAL ACTIVITY AND FITNESS. THE CHALLENGE INSPIRED THOUSANDS OF PEOPLE TO WALK 30 MINUTES A DAY FOR EIGHT WEEKS THROUGH AN INTERACTIVE WEBSITE THAT ALLOWED PEOPLE TO MAKE THAT COMMITMENT, CONNECT AND SHARE STORIES, AND GAIN INSPIRATION AND TIPS FROM A LEADING FITNESS EXPERT. THE CHALLENGE ENDED FOR THIS YEAR BUT WE ENCOURAGE YOU TO START OR CONTINUE YOUR 30 MINUTE WALKS.

FOR NEW YEAR’S RESOLUTIONS, EXERCISE CAN BE A POPULAR ONE. HOW CAN WE KEEP UP THE MOTIVATION TO EXERCISE?

SOME TIPS ARE STOP MAKING EXERCISE ABOUT HOW YOU LOOK, WRITE DOWN EXACTLY WHEN AND WHERE YOU WILL EXERCISE, OR HAVE A PLAN B.

ALSO, PRIORITIZE CONVENIENCE. DAVID MAXFIELD, CO-AUTHOR OF CHANGE ANYTHING, SAYS “SET YOUR WORKOUT CLOTHES NEXT TO YOUR BED THE NIGHT BEFORE, AND KEEP EXERCISE EQUIPMENT VISIBLE AND NEARBY.

YOU CAN EVEN MAKE IT SOCIAL. YOU ARE MORE LIKELY TO EXERCISE CONSISTENTLY IF YOU WORK OUT WITH OTHER PEOPLE.

FOR MORE TIPS ABOUT EXERCISING AND EXERCISES, GO TO AARP.ORG/HEALTH.

DURING THE HOLIDAYS PEOPLE TEND TO EAT MORE, WHAT CAN WE DO TO STAY HEALTHY DURING THE HOLIDAYS?

EAT BEFOREHAND. FASTING BEFORE A HOLIDAY DINNER CAN BACKFIRE. CYNTHIA SASS, A NUTRITIONIST AND AUTHOR OF SLIM DOWN NOW SAYS, “EAT REGULAR, OR SMALLER, MEALS BEFORE ANY FEAST.”

SHE ALSO RECOMMENDS AT ANY BUFFET TABLE, LOOK AT ALL THE OPTIONS BEFORE PUTTING THINGS ON YOUR PLATE. CHOOSE ONE OR TWO SPLURGE FOODS AND TRY TO BALANCE WITH OTHER LIGHT, HEALTHY CHOICES LIKE CUT VEGGIES.

ANOTHER TIP CYNTHIA PROVIDES IS TO PHYSICALLY DISTANCE YOURSELF FROM THE BUFFET.

WHAT ARE SOME ACTIVITIES WE CAN DO FOR EATING HEALTHY DURING AND BEYOND THE HOLIDAYS?

IF YOU WANT A HEALTHY HEART AND A NUMBER YOU ARE HAPPY WITH ON THE SCALE, EAT BRAZIL NUTS, PUT DOWN YOUR FORK AT 6 PM AND WEIGH YOURSELF EVERY DAY.

THESE ARE FINDINGS FROM STUDIES AT THE AMERICAN HEART ASSOCIATION’S ANNUAL MEETING FOR ADVANCES IN CARDIO VASCULAR SCIENCE.

OTHER ACTIVITIES CAN BE TO USE A SMALLER PLATE TO CONTROL PORTION SIZE, USE SPICES/HERBS TO FLAVOR FOOD INSTEAD OF SALT, AND READ PACKAGED FOOD LABELS TO MAKE HEALTHIER CHOICES AS RECOMMENDED FROM THE GLOBAL COUNCIL ON BRAIN HEALTH CONVENED BY AARP.

ASIDE FROM WATCHING WHAT WE EAT, WHAT COULD WE DO AROUND THE TABLE?

TALK ABOUT HEALTH. RECENTLY, THROUGH A TELEPHONE TOWN HALL CO-HOSTED WITH THE 100 BLACK MEN OF AMERICA, WE WERE ABLE TO REACH OUT AND CONNECT ON THE TOPIC OF PRE-DIABETES AMONG THE AFRICAN AMERICAN/BLACK COMMUNITY, A POPULATION AT HIGH RISK FOR THE CONDITION ACCORDING TO THE CENTER FOR DISEASE CONTROL AND PREVENTION. ONE IN THREE AMERICAN ADULTS HAVE PRE-DIABETES AND NEARLY 90% OF THOSE DON’T EVEN KNOW THEY HAVE IT, AS STATED BY THE C-D-C. TO LEARN MORE AND TAKE THE PREDIABETES RISK TEST, GO TO AARP.ORG/PREDIABETES.

WE HAVE LISTENERS FROM ALL ACROSS THE COUNTRY THAT MAY BE TRAVELLING TO THEIR LOVED ONES THIS HOLIDAY. WHAT ARE SOME HEALTHY LIVING TIPS THEY CAN TAKE AWAY?

WHILE YOU ARE TRAVELING, STAY HYDRATED. USE EYE DROPS AND A SALINE NASAL SPRAY, SAYS SHARON BERQUIST, M.D. AT EMORY HEALTHCARE IN ATLANTA. SHE ALSO RECOMMENDS TO DRINK PLENTY OF FLUIDS, PARTICULARLY IF YOU ARE ON MEDICATION. HOT DRINKS ARE GOOD FOR HYDRATION AND THE STEAM WILL HELP MOISTURIZE MUCUS MEMBRANES, A BARRIER AGAINST BACTERIAL VIRUSES IN THE NOSE AND MOUTH.

IF YOU ARE ON A FLIGHT, BE AWARE THAT ALCOHOL CAN DEHYDRATE YOU. ALSO ON LONG FLIGHTS, GET UP AND WALK EVERY TWO HOURS TO LOWER YOUR RISK OF BLOOD CLOTS IN YOUR LEGS.

USE AN AIR VENT IF YOU HAVE ONE IN THE PLANE, TRAIN, OR CAR. THE AIR VENT HELPS CREATE AIR FLOW THAT WILL MOVE GERMS OUT OF YOUR SPACE.

ALSO TO HELP KEEP AWAY THE GERMS, BRING AN ALCOHOL-BASED GEL SANITIZER – ONE WITH AT LEAST 60% – TO USE ON YOUR HANDS AFTER TOUCHING SURFACES THAT OTHERS MAY TOUCH FREQUENTLY – LIKE A DOOR HANDLE.

WHAT CAN WE LOOK FORWARD TO THE NEW YEAR FROM AARP?

LOOK OUT FOR ANOTHER FIT AND FUN CHALLENGE AND OTHER HEALTHY LIVING EVENTS, SUCH AS A TELEPHONE TOWN HALL. SO STAYED TUNED FOR MORE HEALTHY LIVING GUIDANCE, TOOLS, AND SOLUTIONS THAT WE CAN PUT TO USE AT AARP.ORG/HEALTH.

Life & Style – Black America Web

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How This Couple Paid Off $83K of Debt in 20 Months Living in Pricy Seattle

The typical equation for paying off debt looks like this:

Income – Expenses = Amount you can pay toward debt

May the math be ever in your favor.

But for most people, it’s not. Especially if you’re living in one of the highest cost-of-living cities in America without the income to match.

That’s where Cody and Georgi Boorman found themselves in January 2014, living paycheck to paycheck in Seattle.

At that time, the cost of living in Seattle was 9.3% higher than the U.S. as a whole. Rent prices were a whopping 29.3% higher, according to the U.S. Bureau of Economic Analysis.

Cody and Georgi both had recently earned bachelor’s degrees from the University of Washington that left them with $ 56,000 of student loan debt. They also owed $ 27,000 on a car loan, putting their total debt at $ 83,000.

Cody was a quality control lead for a credit card payments company; Georgi was a baker and freelance writer.

“We were getting to a point where it didn’t matter if we were getting a little bit of a raise or a bonus,” Cody said. “We would look at our bank account at the end of the month and it would be the same number as when we started the month.”

But then they decided they wanted kids. They knew they couldn’t afford any in their current state.

The First Steps They Took to Crush Their Debt

Georgi holds her two-year-old daughter Eloise.

The Boormans’ journey started with one goal: pay off the car.

The bill for their 2012 Honda Civic was $ 465 per month, and they owed $ 8,000 more than it was worth. If they could get rid of that payment, they’d have enough wiggle room to start saving for a baby.

So they started looking at unique opportunities that their city provided them to lower their expenses.

They switched cell phone carriers from Verizon, which they paid $ 120 per month, to Republic Wireless, which they now pay about $ 34 per month.

Groceries are another expense that typically cost more in big cities.

But Cody noticed that because there are so many options in each neighborhood, the stores are constantly competing. So they shopped for deals and used Costco to keep their grocery bill at $ 75 per week.

After five months, they paid the Civic down to value.

They realized the cost to drive their car was astronomical for the number of miles they traveled. They only drove to work, the grocery store and church, plus they made one trip per month to see family one to three hours away.

That’s another benefit of living in a city: Everything is close together.

So instead of continuing to pay the car off, they sold it back to the dealer and bought a Nissan Altima for $ 2,400.

And not only did they eliminate their car payment, but they were also able to lower their car insurance from full coverage to liability-only coverage, which saved them another $ 50 per month.

By the time they eliminated their car payment, they were on a roll. But they decided they didn’t just want to be car-payment free. They wanted to be completely debt-free.

“It almost started to become a game,” Cody said. “Like, ‘How quickly can we actually do this now that we have everything out in front of us?’”

And then, a week later, Georgi lost her job.

How They Paid Off $ 80,000 in 20 Months

Georgi and Cody Boorman pose with their daughter Eloise, 2, in front of their home in Moses Lake, WA.

Georgi was only unemployed for four weeks, but her new job paid 20% less. It was a hit. But it made them all the more motivated to finish paying off their student loans.

So they made and followed a budget every month. After every raise or bonus, they put more toward the debt, and eventually, 70% of their take-home pay was going to debt payments — which is impressive when you consider the exorbitant costs of rent in Seattle.

But because there are lots of rentals in a booming city, there are still opportunities to find a deal. Cody found their rental by searching Craigslist for the term “ASAP.”

“We knew people who needed to rent their units out ASAP would rent them out at a lower cost,” he said.

The Boormans paid $ 1,250 per month for their apartment, which was only a mile from their jobs.

And they didn’t stop there. This new financial picture gave them room to dream bigger than they ever could have even one year prior. They wanted to buy a house and were now in a position to do so… just not in Seattle.

The couple knew that when they started a family they wanted to be near family. So in the middle of their debt-free journey, they saved up $ 3,000 and moved three hours east to Moses Lake, Washington.

The move didn’t significantly lower their cost of living or help them pay off the debt faster. But because of all the work they’d done in the 13 months prior, they were able to seize the right opportunity at the right time.

In August 2015, six months after moving into their new house, Cody and Georgi became debt-free.

And in October 2016, their first daughter Eloise was born.

Bigger Picture

The Boorman's wrote a book,

Since Cody and Georgi paid off their debt, they haven’t slowed down.

They’ve continued to get raises and pursue freelance work, and their income is now up to $ 90,000. They’re using the extra cash to try to reach financial independence — or the ability to live off passive income from investments and businesses —  in the next five years to spend more time with Eloise and their future kids.

Their journey started with paying off their car loan and grew into a new way to look at life and spending. One that values free time over more stuff.

Earlier this year, they co-wrote the book “Clocking Out Early” to teach others to cut expenses, invest well and retire early — no matter what their income or the cost of living of their city.

Now when it comes to spending money, Cody asks himself this question: “What can we do to reduce this expense, and ultimately, maybe increase our happiness?”

Jen Smith is a staff writer at The Penny Hoarder. She gives money-saving and debt-payoff tips on Instagram at @savingwithspunk.

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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I’m A Celeb’s Emily Atack boasts about weight loss after living off rations for seven days in the jungle

EMILY Atack boasted she’d lost weight in I’m A Celebrity after living off rations for a week.

The 28-year-old star pulled up her top and showed off her baggy trousers as she admired her slimmer stomach and extra wriggle room – seven days after entering the jungle.

Im a celeb
Emily Atack told the camp she has lost weight after living off rice and beans for a week in Im A Celeb
Rex Features
Emily Atack
Emily made fans laugh when she pulled up her top and showed off her belly on I’m A Celeb
Rex Features

Emily said to Fleur East and John Barrowman: “These were tight when I came in here. I just want to lose a bit of weight so that when I get home and it’s Christmas I have a bit of room and can put it back on again.

She added: “I love food so much, I love cheese and champagne and salads, fries, yum.”

John reassured The Inbetweeners star that she looked great and got the camp mates salivating with a cheese dip recipe.

Emily Atack
Emily was proud of her the weight loss
Rex Features

He said: “Just chuck a Camembert in the oven and rub your face in it when it comes out, a cheese facial.”
But Noel got frisky and added: “And get someone you love to lick it off.”

Emily had fans in a lather earlier this week when she stripped off with Fleur and Sair Khan for a jungle shower.

She wasn’t the only star to enjoy their first jungle soak, with Harry Redknapp whipping his kit off.


Love I’m A Celeb? Play our new game The Jungle now – win daily prizes and a holiday worth £5K


Rex Features

I’m A Celeb’s Emily Atack stunned in a blue bikini tonight as she hit the camp shower for the first time[/caption]

Rex Features

The actress looked great in the tasselled two-piece, beaming as she scrubbed herself down[/caption]

Rex Features

Sair Khan opted for a stylish black set in the tub[/caption]

She managed to get clean after a long day of trials
Rex Features
Rex Features
Fleur paddled in the water and cooled off as Emily and Rita Simons also made the most of bath time
Rex Features

Rex Features

Harry Redknapp whipped his kit off[/caption]

The football manager enjoyed a thorough wash in his blue swimshorts, coordinating nicely with Emily.

Fleur East brought the sunshine with her yellow bikini, while Sair Khan opted for a stylish black set.

The shower scenes go down a treat with fans each year and tonight was no exception.

One viewer who won’t be so keen on seeing Harry shower, though, is his former Liverpool and England midfielder son Jamie, 45, who previously said: “Dad hasn’t really got any phobias, to be honest.Emily Atack

Emily Atack admitted to The Sun that she is looking for love


“As a kid he was never worried about spiders. I’m worried about him with the shower scene in his pants!

“I hope he finds a mate in there because from people I’ve spoken to the hardest things are lack of food, but he doesn’t eat a lot my dad so that’s gonna help him, and secondly it’s the boredom factor, there’s no racing channel for him to watch.”

Listen to new podcast Jungle VIP, talkRADIO’s cheeky, no-holds-barred take on the action Down Under. Hosted by Jamie East with daily guests, including former campmates and celeb reality TV fans the gang will dish the dirt on the REAL behind-the-scenes gossip. Read more here.

TV and Showbiz – latest celebrity news, gossip, photos, TV and film reviews | The Sun

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ICE arrests man living in church on his way to immigration appointment, activists say

ICE agents surrounded the man minutes after he arrived at the immigration office to provide his fingerprints, Alerta Migratoria NC said in a statement.
ABC News: U.S.

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WATCH: ALS researcher living with the disease still fighting for a cure

Dr. Rahul Desikan, who was diagnosed with the debilitating illness last year, can no longer speak but continues to work.
ABC News: Health

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

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David Hockney pool painting soars to $90 mln, record for living artist

An iconic 1972 painting by British artist David Hockney soared to $ 90.3 million at Christie’s on Thursday, smashing the record for the highest price ever paid at auction for a work by a living artist.


Reuters: Arts

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The Big Picture: How Two Muralists Make a Living With Their Art

Bekky Beukes had a plan for completing her mural in a week.

As one of 17 local and visiting artists invited to St. Petersburg, Florida’s annual SHINE Mural Festival, she had carefully plotted how she would spend each day — and how she would make up for the time she would miss at her day job.

Beukes works three 10-hour days each week designing marketing materials for a nearby community college. She gets up early, tacking a list of the day’s priorities (no more than three) above her desk at home, which overlooks a thicket of palm trees.

A woman paints
Beukes paints her mural during the SHINE Festival in St. Petersburg, Fla., on October 6, 2018. Chris Zuppa/The Penny Hoarder

She lives just a few blocks from a rented garage that serves as her studio. It has electricity, but no running water or bathroom. There, she paints, using oils on large canvases to represent the opposing pulls of light and dark.

Her dual creative roles are just one example of what it takes to make it as a working artist. We spent the SHINE Mural Festival with Beukes and another artist to find out how they fight the stigma of being a starving artist. In the process, we learned what it takes to create a mural from scratch on a tight deadline.

Beukes, 34, started painting when she moved to the Tampa Bay area from South Africa in 2014. The former fashion designer didn’t have a work permit yet, so she returned to painting, an art form she had loved as a child, to keep busy in the meantime.

She quickly realized painting could be more than a hobby — it could also be the cornerstone of her professional life in her new home. But doing so takes a balance that requires early mornings and late nights. And sometimes, as was the case during during SHINE, it means working overnight in the rain, on a scissor lift perched 15 feet off the ground.

She knew it would rain. She planned for rain. She didn’t plan for the possibility of a hurricane.

Taking the Leap as a Full-Time Artist

An artist poses in front of his portrait
Gibbs Rounsavall poses for a portrait at his mural on October 13, 2018. Rounsavall and his family live in Louisville, Ky., where he taught high school art for 12 years. He made the career leap to being a full-time artist in May. Chris Zuppa/The Penny Hoarder

Just six blocks away from Beukes’ mural site on the side of a brewery, Gibbs Rounsavall of Louisville, Kentucky, got up before the sun each day to spend hours working quietly on his wall before spectators started to drift by.

There was no shade on the side of this warehouse that sat within sight of three other mural projects. Rounsavall, 43, had only about 8 feet of clearance between his work surface and a busy intersection.

He has only been a full-time artist since May; he worked as a high school art teacher for 12 years while painting geometric abstract art on the side.

“I kind of fell into teaching because it allowed me to continue developing my craft,” he said while painting a long carnation-pink stripe one day, sweat dripping at his temples. “I knew that whenever the day came when this became a more demanding schedule that I would take that leap.”

He misses teaching sometimes, but diversifying his artwork allowed him to develop his business over the course of those years. He said he was making a salary in the high $ 50s as a teacher but increasingly painted commissions along with gallery art. A lot of his work is corporate art, perhaps for a new restaurant. He recently sold a piece to be displayed at the Kentucky International Convention Center.

“I think a lot of artists have to do that if they want to make a living at it, to diversify,” Rounsavall said. For a few years, he’s been selling fine-art prints of select pieces that have already sold. The prints cost around $ 225 and provide access to his art for those who might not have the budget — or space — for one of his original oil paintings, which can cost anywhere between $ 450 and $ 8,000.

Crunch Time, All the Time

 

Beukes has been exhausted for months.

She delivered two big projects at her design job this year. She also had two solo art shows, which she planned herself down to the last detail. One of those work projects overlapped with preparations for one of the art shows, adding to the stress.

“I just feel like I’m under pressure all the time,” she said. “Obviously, because I’m delivering. I have obligations. I get it done.”

Beukes’ twin career paths allow her to be creative in different ways, but the schedule is starting to wear on her. “I don’t have space for normal human things, you know?” she said plainly. “Like, my relationships are affected. I don’t have social… I have everything allocated.”

The studio can be lonely, with only the paint and maybe some music for company. But at the mural site, it became obvious how full Beukes’ life is. Friends and fellow artists gathered on lawn chairs set up at the base of her mural, sometimes late into the night, when she worked by way of a portable work lamp and one flickering street light.

She already knows that 2019 needs to be a different kind of year: one with more studio time and fewer shows; one with streamlined work projects and resisting the urge to always say yes.

“There’s no space for panic,” she said a few weeks prior to the festival.  

But a few days in, it was a matter of getting the colors right on the wall. This wasn’t her first large mural, but it was her first using acrylic and spray paints, mostly unfamiliar territory. Her forearm started to cramp after about a half-hour of pressing the trigger on a can of gold spray paint to add dimension to an angel’s wings on one side of the mural.

In a moment of frustration, she decided she didn’t like the gold armor on the other figure’s shoulder, and painted it over with black. When it dried, she started that part over again.

When asked how the deluge of rain from the passing outer bands of Hurricane Michael affected her mural progress midweek, she barely blinked. “It’s crunch time,” she said. “I did 12 hours yesterday.”

Riding the Self-Employment Wave

Gibbs (left) and his wife, Sara, work on his mural.Gibbs left his job as a teacher last May to work on his art full-time. Chris Zuppa/The Penny Hoarder

This was Rounsavall’s first mural project with time constraints. “It forces you to change the process,” he said.

His mural, “A New Day,” started to come together once his wife, Sara, joined him midweek. Their two children were back home with their grandparents, and Sara, a food stylist, jumped at the chance to join her husband on the road.

She’s been a freelance artist for five years. The stability of Gibbs’ teaching job made it feasible for her to build up her business, Sara said. Now it’s his turn to take a career leap.

Resting in a sliver of shade one steamy October afternoon, Sara explained that health insurance was the biggest question they considered before Gibbs stopped teaching. The two sole proprietors considered forming an LLC, then tried COBRA insurance when Gibbs left his job. But the first COBRA bill made Sara scream. They’re on an Affordable Care Act insurance plan now, although she admits that even with a tax credit, it’s expensive.

Under the large brim of her hat, Sara smiled, admitting that while she’s not a numbers person, she’s the family’s chief financial officer by default. She described their family as “aggressive savers.” As a self-employed person, she was used to receiving irregular payments instead of predictable paychecks. She and Gibbs spent a lot of time going over the numbers before he decided to focus on his art.

“We talked about, ‘How much [does Gibbs] need to contribute?’ in a 12-month breakdown,” she said. “Then what? Well, maybe one painting could float his contribution for three months. Or you sell X paintings per year. Or you do X murals per year.”

Going over different scenarios helped the couple identify the realities of their cash flow as two full-time, independent artists.

“You learn to ride the wave of this work style,” she said. “The phone’s going to ring or it’s not going to ring. And if it’s not ringing, I know how to hustle.”

When the rain came, as it did almost daily, the Rounsavalls took cover under a neighboring business’s back-alley carport. When the clouds cleared and they heard another artist’s lift starting up again, they knew the raindrops had started to dry.

The Instagram Effect

Beukkes paints her mural during the SHINE Festival into the night on October 6, 2018. Chris Zuppa/The Penny Hoarder

Beukes’ first painting measured 5 feet square and sold for $ 5,000.

“I didn’t feel anything about putting big prices on the work after that,” she said. “I did not mind selling the work for what I believed it was worth considering the amount of time I put into the work.” Starting with high price tags has allowed her to maintain those rates, she explained.

“It’s very difficult to sell art,” she said. “But there’s a way to do it, and you have to believe in the work.” Putting a $ 100 price on a painting that took hours, she explained, makes it difficult to sell a painting later for $ 1,000. She hasn’t sold an original piece for less than $ 750.

Beukes, Rounsavall, and the rest of the SHINE artists each earned $ 1,000 for their murals, a fraction of what they might make for a private commission. But the St. Petersburg Arts Alliance also covered travel, lodging, supplies and most meals for each artist during the festival. The invited artists know that having a new mural in a busy downtown area can provide a major visibility boost.

(Left) Beukes paints; (right) her hand is covered in gold paint.

“The respect flows two ways,” Beukes said. “It’s an honor to be a part of something like this.”

For more than a week, she was an ambassador at her mural site, readily jumping off her lift to answer questions and chat with local children.

And then there’s Instagram. During the festival, art fans posed in front of mural sites and visitors asked for selfies with paint-smeared artists at all hours of the day.

“The whole world can come into my studio,” Rounsavall said of the power of social media. “They can see what I’m doing… it’s definitely made it easier to reach people, make connections and have that turn into work.”

Social media, he said, “Has changed my whole career.”

Just One Human

A businesswoman poses for a portrait with her laptop.
Beukes poses for a portrait at Hillsborough Community College in Ybor City on October 25, 2018. Beukes is a professional artist who works three 10-hour days for the college designing marketing materials. This frees days to produce art. Chris Zuppa/The Penny Hoarder

Beukes wonders if she’ll have to choose one side of her career over another at some point.

Her day job gives her stability; her art rounds out her creative fulfillment.

“It’d be great to be able to find something where I’m able to combine the two, and maybe that’s my solution,” she said. “Yes, I want to do a million things. But… you have to remember that you’re just one human, and I think that’s something that’s very difficult for me to do.”

Toward the end of the week, she seemed to be as well versed in driving heavy machinery as wielding a paintbrush or spray can. Her oversized sunglasses with mirrored, rose-colored lenses hid how tired she was. She admitted that about two hours of sleep in the early morning hours was all she was getting. But it was easy to see her mural site was where she wanted to be.

When it’s over, she’ll go back to work for a few days, then back to her studio in the heat. But first, “I just have to be able to say, at the end of every single day, ‘are you completely spent?’ Because that’s how I measure whether or not I’ve done my best,” she said. “We’re covered in paint, we’re done. Great day. Good day. And that’s it.”

Always the Hustle

A woman paints a mural
Sara Rounsavall helps her husband, Gibbs, work on his mural. Both Sara and Gibbs are self-employed; he as an artist and she as a food stylist. Chris Zuppa/The Penny Hoarder

Rounsavall is the broker, the negotiator, the shipping specialist. “You have to be everything,” he said. “A lot of people don’t understand all that goes into [creating art].” But there’s more to it than sitting down in front of a canvas and waiting for a muse.

He hopes that one day grants will fund more of his work, but he acknowledges that the process of applying for opportunities takes time and energy alongside his day-to-day tasks.

“Am I making what I put into it?” Rounsavall asked the wall as he paused before painting another stroke. “Absolutely not. I would love to get to that point, but I don’t know. If there’s a lucky artist out there that is compensated for all the work they put into it, I hope they’re aware of how lucky they are. All that behind-the-scenes stuff, it just adds up.”

Without a salary to rely on, he has to be able to count on his craft. “There’s still pressure. There’s always going to be the hustle,” he said. “But when it’s something like this that I’ve been working on my whole life, you like the hustle. You’re all in for it.”

On the last day of the festival, he woke up at 4:15 a.m. to make sure he’d have time to complete his mural. He was greeted by two emails: a grant acceptance and an invitation to a juried art show in Louisville.

“It’s a ton of good news,” he beamed. “I’m going to take that momentum home with me.”

Lisa Rowan is a senior writer at The Penny Hoarder.

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

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


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Kehlani Launches Flora, the App for Better Living

R&B artist and now tech startup founder, Kehlani has been a very busy woman. Not only did she just announce her pregnancy, but today she is officially announcing the launch of her new app, Flora, an app that inspires young people to make positive changes in their lives.

Through a gamification model, the app provides users with challenges and every time a specific challenge is completed they are allowed to collect coins. Once you amass a certain amount of coins, you are allowed to exchange them for prizes. “It’s pretty awesome to me because not only does it let you get a cool prize,” said Kehlani as she explained the platform in a recent YouTube Live, “but you get to do a really fun challenge that actually actively changes something in your life, not just for yourself but, for the world, and for others.”

In addition to the app having a gamification component, it boasts an awesome community where players can support one another’s endeavors. “You can create your account and leave comments on other people’s challenges,” continued Kehlani. “Maybe I have a suggestion on how you can do the challenge better. Maybe I have a suggestion on how we can possibly compete and do our challenge at the same time. Prior to the announcement, the app amassed 22k in a pre-launch that took place over a 48-hour period.

kehlani

(Image: Flora)

Kehlani is joined by her co-founders, Reid Williams, COO, and Alaxic Smith, CTO and designer. They got the idea after the two started off with their own streaming service, where Kehlani conducted her first virtual release party. “We decided to come together and said hey, as a developer, a marketing strategist, communications guy and me, how could we do something that really benefits our generation,” stated Kehlani. That started the birth of Flora. 

Kehlani

Co-founders of Flora: Reid Williams, Kehlani Ashley Parrish, Alaxic Smith (Image: Flora)

To learn more about the app and to download it, click here.

The post Kehlani Launches Flora, the App for Better Living appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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Augmented reality porn stars are coming to a living room near you

It was only a matter of time: Adult entertainment studio Naughty America released one of the industry’s very first XXX-rated augmented reality (AR) apps for Android phones this week, which promises to put life-sized 3D versions of adult entertainers in your living room. Or bedroom, for that matter, with Naughty America CEO Andreas Hronopoulos touting…
Technology News & Reviews | New York Post

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Kehlani Launches Flora, the App for Better Living

R&B artist and now tech startup founder, Kehlani has been a very busy woman. Not only did she just announce her pregnancy, but today she is officially announcing the launch of her new app, Flora, an app that inspires young people to make positive changes in their lives.

Through a gamification model, the app provides users with challenges and every time a specific challenge is completed they are allowed to collect coins. Once you amass a certain amount of coins, you are allowed to exchange them for prizes. “It’s pretty awesome to me because not only does it let you get a cool prize,” said Kehlani as she explained the platform in a recent YouTube Live, “but you get to do a really fun challenge that actually actively changes something in your life, not just for yourself but, for the world, and for others.”

In addition to the app having a gamification component, it boasts an awesome community where players can support one another’s endeavors. “You can create your account and leave comments on other people’s challenges,” continued Kehlani. “Maybe I have a suggestion on how you can do the challenge better. Maybe I have a suggestion on how we can possibly compete and do our challenge at the same time. Prior to the announcement, the app amassed 22k in a pre-launch that took place over a 48-hour period.

kehlani

(Image: Flora)

Kehlani is joined by her co-founders, Reid Williams, COO, and Alaxic Smith, CTO and designer. They got the idea after the two started off with their own streaming service, where Kehlani conducted her first virtual release party. “We decided to come together and said hey, as a developer, a marketing strategist, communications guy and me, how could we do something that really benefits our generation,” stated Kehlani. That started the birth of Flora. 

Kehlani

Co-founders of Flora: Reid Williams, Kehlani Ashley Parrish, Alaxic Smith (Image: Flora)

To learn more about the app and to download it, click here.

The post Kehlani Launches Flora, the App for Better Living appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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Spongy aliens could be living beneath the surface of Mars

Sponge-like creatures could be lurking beneath the surface of Mars, according to new research. Salty subterranean lakes on the red planet are capable of providing enough oxygen to support even simple animals, scientists believe. It has long been believed there is not enough air on Mars to support life. But a computer model developed by…
Technology News & Reviews | New York Post

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Mo’Nique Is Living Her Best Weight Loss Life [WATCH]

BET Hip Hop Awards 2010 - Show

Source: Taylor Hill / Getty

Mo’Nique is done with ranting about those who have done her wrong and the craziness of people in Hollywood – for now.

She’s focusing lately on showing off the results of her estimated 100 pound plus weight loss. 

The Oscar-winner recently shared on a video showing off her super-snatched waist..and it was everything.

She let her fans get a little peek of her at a recent photo shoot rocking a pair of curve-hugging jeans and a cinched waist poppin’ to Cardi B’s “Bodak Yellow. ” The 50-year-old also showed some love to her fitness trainer Dwight Holt, Jr., for helping her dance off the pounds.

“CARDI B, baby you will get a photo shoot going. DANCING MY POUNDS OFF. WHAT A TEAM,” she wrote.

 

Earlier this year, Mo celebrated weighing under 200 pounds for the first time since high school.

“I said that I would share this new journey with y’all on the weight loss and getting healthy,” the comedian said in a video she posted on Instagram.

“Today was the first time in my adult life that I’ve been under 200 pounds, so I wanted to let you all know it’s possible and you can do it and we can get there.”

She added that she achieved this weight loss without having to go under the knife or falling for any diet fads.

“For me it was no surgery, no prepackaged foods, not listening to no spokespeople saying ‘it’s easy and you can do it.’”

“It was just putting in the work and not giving up on me … it’s called giving yourself a chance to live the best life you can live.”

Instagram Photo

Clearly, all this hard work has paid off:

Instagram Photo

What do you think of Mo’s weight loss and new body?


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

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

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

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

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

Here’s the scoop.

Do You Need Life Insurance?

Woman painting
wundervisuals/Getty Images

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

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

How Much Is Enough?

DJ playing music
charliemarcos/Getty Images

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

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

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

How to Find Affordable Life Insurance

Architect building model
jacoblund/Getty Images

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

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

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

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

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

Love Your Freelance Life, But Protect It As Well

A band performing live
recep-bg/Getty Images

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

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

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

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

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


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Jaden Smith Is Just A Fashion Icon Living And Saving The Planet With Latest G-Star Collab

I recently saw Jaden Smith in concert on J-Cole’s KOD Tour and I can reassure you he brings his eccentric, alien energy right to the stage. If you’re familiar with the “SYRE” artist you know he’s passionate about a lot …

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