How ‘You’ve Got Mail’ made NYC a rom-com star

Twenty years ago, the Internet was an unexplored, foreign land, not an addiction or a matchmaking service. And the Big Apple was still filled with mom-and-pop shops — a landscape threatened by corporate giants like Fox & Sons Books. OK, Fox books is fictional — a part of the world of “You’ve Got Mail,” rom-com…
Entertainment | New York Post

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Tyler Perry Pays Off Over $400,000 Debt for Walmart Shoppers Who Made Layaway Purchases

Tyler Perry is already in the holiday spirit. TMZ reported that the film mogul has paid off over $ 400,000 in Walmart shoppers’ layaway debt —paying off $ 178,000 at one store in Atlanta and another $ 256,000 at a Walmart in nearby Douglasville, part of the Atlanta Metro Area.

According to TMZ, “all the customers have to do to collect their outstanding items is pay a penny at pickup.”

Perry is not only generous with his money but as a successful filmmaker and entrepreneur, he finds time to dole out advice to aspiring creatives and entrepreneurs. At a recent event, the Goldman Sachs 10,000 Small Businesses Summit, Perry took part in a panel discussion dropping various gems of wisdom. Some of his tips for entrepreneurs included:

  • Stay creative, fresh, and relevant
  • Serve and then super-serve your audience
  • Focus intensively on your core/niche
  • Show them how special they are
  • Show them that you appreciate them
  • Treat them with as much respect and sincerity as you would anyone else

Perry also advised those in attendance of the importance of having a good team in place to achieve your dreams, acknowledging that it’s extremely challenging to identify and formulate a good team.

Click here for more on Perry’s advice from the summit.

 

The post Tyler Perry Pays Off Over $ 400,000 Debt for Walmart Shoppers Who Made Layaway Purchases appeared first on Black Enterprise.

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Winter meetings’ biggest trade was made from the hospital

Jerry Dipoto will literally trade from anywhere. The Mariners general manager is baseball’s biggest dealer, and that reputation was perpetuated at the winter meetings in Las Vegas when he acquired Edwin Encarnacion from the Indians. But it wasn’t that he made the trade that was shocking, but where he made it. Dipoto was admitted to…
Sports | New York Post

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11 Smart Financial Tools Made Just for Your Type A Personality

I’m a proud Type-A.

I have this innate drive to get things done — and get them done correctly and on time. I’m not happy coasting along; I want to climb that ladder, baby. If I’m running behind, I’m probably impulsively biting my nails off. I don’t think I’m competitive until I’m competing. Then it’s like some weird instinct kicks in, and I don’t know who I become.

I can be impatient with my Type-B counterparts, who are a little, well, too laid back for my taste.

OK, I kind of sound super high-strung. I promise I’m tolerable… ask my boyfriend. (Errr, well, maybe don’t.)

Although I have this innate love for to-do lists, color codes and all-things organization, some parts of my life are, well, not as tidy. Like my finances.

I can procrastinate the crap out of any financial matters. I get stressed out, so I push tasks to the side. Oh, I’ll check my retirement account… tomorrow. Oh, I’ll update my budget… never.

But don’t fret just yet. There are a number tools out there that can help us Type-A people organize our finances — without losing hours to get everything just so.

1. Check Your Financial Grade

Checking her credit score

While most of my classmates hated the day grades came out, I loved it. Luckily, most of mine were good, but I also just loved gauging my performance — knowing how I was doing and where I could work harder.

In real life, you don’t get grades. Your manager might offer feedback, but that’s about it.

What about finances? How do you know how you’re doing there?

Luckily, Credit Sesame offers free credit scores and credit report cards.

The easy-to-understand report outlines how you’re doing financially. You’ll get a big-picture view of your open accounts, your debt and any items sitting in collections. And, perhaps even better, it’ll offer actionable tips to help you improve your credit score.

2. Consolidate Your Financial Stress

If you’re juggling several unpaid credit card bills, or any form of debt for that matter, don’t panic. There’s an easier way to keep tabs on your outstanding balances — and even pay off your debt faster.

Try consolidating it into one manageable bill through Fiona, a financial technology company that helps match you to a personal loan that meets your needs. Consolidating your credit card debt could also help get you a lower interest rate and save you thousands while you pay it off.

Fiona searches the top online lenders to match you with a personalized loan offer in less than 60 seconds. Its platform can help you borrow up to $ 100,000 (no collateral needed) with fixed rates starting at 4.99% and terms from 24 to 84 months.

Now, breathe a sigh of relief. No more juggling approximately 293,003 bills this month. You’ve just got one!

3. Optimize Your Retirement Plan

Woman planning her finances

Got a 401(k)? You’re on the right track. Now it’s time to clean it up by making sure it’s doing exactly what you need it to.

However, tapping into that account and deciphering the information — or lack thereof — can take hours. Not to worry: There’s a robo-adviser for that. Blooom, an SEC-registered investment advisory firm, will optimize and monitor your 401(k) for you.

It gives you an initial 401(k) checkup for free, and you’ll get to know your account a little more intimately. Find out if you’re paying too many hidden fees, have the appropriate amount invested in stocks versus bonds, that kind of fun stuff.

After that, the tool is $ 10 a month to use to continue to monitor your retirement account. Let Blooom know your target retirement age, and it can help you get there by investing more and less aggressively.

4. Compare Yourself to Others — and Be the Best

Ah, got a competitive streak like me? Sometimes life turns into a competition. I’ve got this insane drive to be The Best. It’s hard to make it stop.

If you want to use that force for financial good, tap into Status Money, an app that allows you to anonymously compare your financial situation with your peers without asking those awkward, prying questions.

Link an account to tap into this database and you’ll be able to compare your income, debt, interest rates, credit score, spending… you name it.

By seeing how others are doing, you can see what you need to work on — or where you can sit back a little and just breathe easy.

5. Make Your Money Work as Hard as You Do

Woman holding money

Listen, you work hard for your money, so it should work just as hard for you. It shouldn’t be just sitting around. How dare it?

Make it work for you with an interest-earning bank account from Radius Bank.

The Radius Hybrid Checking account earns .85% APY on balances of at least $ 2,500 with no monthly fees or minimum balances after the initial $ 10 to open an account.

Sounds better than what you’re getting with your checking account at that big bank, right?

6. Strike a Budgeting Balance

As a Type A, it’s easy to get stuck in the details. Sometimes I’ll fixate on my pennies and dimes — versus the big-picture dollars.

But a budget can help you strike this balance. It allows you to keep track of those daily expenses in a way that’s future-thinking.

That’s where Empower comes in to help you organize and track your financial goals.

Simply link your accounts, and every time you log in, you’ll see a simple snapshot of where you stand on your monthly budget. Are you above or below the line? In one second, you’ll know whether you’re on track or need to dial things back a bit.

You can set goals, and Empower will keep you accountable.

7. Keep Overachieving — and Saving Money

Man driving his car

You’re most likely an overachiever, so of course you do your due diligence to hunt down great deals. But some bills fall to the wayside… When’s the last time you compared rates on your car insurance?

Your premium can creep up on you several times a year, if you’re not monitoring it.

The Zebra, an online car insurance search engine that offers “insurance in black and white,” compares your options from 204 providers in less than 60 seconds to help you find the best rate.

If you’re beating its top pick, you know you’ve beat the system. If not, go ahead and secure the best rate.

8. Get Rewarded for Your Ability to Hit Deadlines

Your mom probably gave you an allowance for washing the dishes and sweeping the floor when you were a kid. (You were really good at it.) Now all you get for doing it is a kitchen that’s clean for, like, 15 minutes.

As an adult, you don’t typically get rewards for doing things that are expected of you… until now.

This app kind of rules them all: MoneyLion, a free all-in-one app for managing your personal finances.

MoneyLion offers rewards to help you develop healthy financial habits and will literally pay you for logging onto the app.

You can earn points in the rewards program by paying bills on time, connecting your bank account or downloading the mobile app. You can redeem those points for gift cards to retailers like Amazon, Apple and Walmart.

If credit cards aren’t your thing, MoneyLion is like having a rewards credit card without the temptation to overspend.

The app also connects with all your bank, credit card, student loan and other financial accounts. Based on your income and spending patterns, it offers personalized advice to help you save money, reduce your debt and improve your credit.

9. Dig Into Your Deep-Seated Clutter

Woman pulling out a sweater from her closet

Although I’m innately Type A, there are some deep, dark corners of my life that are, well, less than tidy. (Ask my boyfriend about the bomb that recently went off in my closet… Yikes.)

If you need some motivation to declutter even the darkest corners of your home, turn it into a fun side gig.

For example, if your closet looks anything like mine, consider cleaning it up and creating a “for sale” pile. You can list any items on Letgo, an easy-to-use app that allows you to snap a photo and list your unneeded items to folks in your area. It’s 100% free to use and removes a lot of the hassle of selling online.

For your technology (uh, yeah, for some reason I collect old phones in my bedside table…), get free estimates from Decluttr, a site that’ll buy your old CDs, DVDs, video games and even phones.

Just download the Decluttr app and start scanning the barcodes on your media to get immediate quotes. It’s completely free to use, you won’t pay listing or seller fees, payment is super fast and even shipping is free.

10. Tidy up Your Subscription Services

For the most part, I love subscription services. I can get whatever I need to my front door each month. Vitamins? Check. Feminine products? Check. Beauty products? Why not…

Yeah, with my Type A comes compulsion sometimes, so I can go overboard. Every now and then I like to check in and see which subscriptions I’m getting billed for each month — clean things up a bit.

Download TrueBill, an app that’ll negotiate your bills, refund your bank fees and, yes, cancel unwanted subscriptions. The app will remind you of all those sneaky subscriptions you’ve signed up for through the years, so you can cancel what you don’t use and reclaim your monthly budget.

On average, Truebill says it helps customers save more than $ 700 a year by lowering their bills, canceling necessary subscriptions and getting refunds.

Signing up and using the service is free, though there are some paid premium services that are totally optional — but could totally be worth it.

11. Track Your Lofty Goals With Colorful Pens

Bullet journal planning

If you want to get a little more creative, set up goals and track them with a bullet journal. A bullet journal is great for the more creative Type A folks — the ones who love color-coding and drawing the straightest line possible.

You can set up a debt payoff plan, track your expenses or set up an annual savings plan. The Jihi Elephant blog has some great ideas to get you started.

In the end, embrace your Type-A tendencies. They’ll help you become financially happy and healthy.

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder. She loves the feeling of crossing off items on a to-do list.

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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The Huawei case will finally force the US to prove some claims it’s made about Chinese companies

The U.S. government has rarely had a chance to make any cyber theft or money-laundering allegations in court against a Chinese executive, particularly an official with the stature of Huawei CFO Meng Wanzhou. Losing the case could cost credibility.
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Joe Jonas: I Knew ‘Right Away’ Nick, Priyanka ‘Were a Match Made in Heaven’

Joe Jonas Says He Knew ‘Right Away’ Nick Jonas and Priyanka Chopra ‘Were a Match Made in Heaven’
Joe Jonas, Nick Jonas and Priyanka Chopra. Don Arnold/WireImage

Their biggest fan? Joe Jonas gushed over his brother Nick Jonas’ relationship with new wife Priyanka Chopra.

“Seeing Nick’s face when he first met her and the way he talks about her, and then getting to meet her and seeing what an amazing person she is, I knew right away that they were a match made in heaven,” the DNCE frontman, 29, told Entertainment Tonight on Friday, December 7.

Joe went on to detail the couple’s wedding. “My face hurts from smiling so much,” he noted. “The ceremonies themselves were so beautiful. The Indian ceremony, for me, was something new. We were all in tears.”

Joe Jonas Says He Knew ‘Right Away’ Nick Jonas and Priyanka Chopra ‘Were a Match Made in Heaven’
Nick Jonas and Joe Jonas at Nick’s launch party for his fragrance collaboration JV x NJ on August 8, 2018. Kevin Mazur/Getty Images for Revlon

Chopra, 36, and Nick, 26, tied the knot in a Western ceremony in Jodhpur, India, on December 1. They married again in a Hindu ceremony the following day.

The “Cake by the Ocean” singer, who is set to wed fiancée Sophie Turner in France in summer 2019, also spoke about how his younger sibling’s nuptials influenced his own plans. “I am [so excited],” Joe shared. “You know, I didn’t even think about it much, to be honest, because it was about them. This whole week, we just let the celebration be about Nick and Priyanka.”

The engaged pair rushed to Chopra and the “Close” singer’s defense on Wednesday, December 5, when New York magazine’s The Cut published an op-ed claiming the newlyweds “married into a fraudulent relationship” and the Quantico alum is a “scam artist.”

“This is disgusting. @TheCut should be ashamed to have someone write such evil words,” Joe tweeted. “What Nick & Pri have is Beautiful Love. Thank u, Next.”

The Game of Thrones star, 22, added in her own tweet: “This is wildly inappropriate and totally disgusting. Very disappointed that The Cut would give anyone a platform to spew such bulls—t.”

The website later removed the article and apologized.

Joe sweetly extended the Jonas charm to Chopra in an Instagram post on Thursday, December 6. “Super Married! I Love You Both!” he wrote. “Welcome to the Family Pri! Congratulations!”

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YouTube’s top earner is a 7-year-old who made $22 million this year—and we need a minute

YouTube’s top earner is a 7-year-old who made $ 22 million this year—and we need a minute


YouTube’s top earner is a 7-year-old who made $  22 million this year—and we need a minute

It’s no secret that YouTubers can earn a fortune from their videos. But 2018’s highest-paid YouTube star is remarkable for an extremely specific reason: he’s a 7-year-old who reviews toys. Yesterday, December 3rd, Forbes released its annual list of the top 10 highest-paid YouTubers, which the outlet based on earnings from June 1st, 2017 to June 1st, 2018. While most of the list was comprised of gamers and vloggers (like the divisive Jake and Logan Paul), little Ryan ToysReview snagged the top spot.

Forbes noted that in the span of 365 days, Ryan raked in a jaw-dropping $ 22 million. According to NBC News, he ranked eighth in 2017, with an income of $ 11 million. The budding mogul has been making videos with his parents since 2015 (when he was just 3-year-old), and his YouTube channel has more than 17 million subscribers.

Forbes reports that Ryan recently launched a toy and apparel line at Walmart called Ryan’s World, which will likely cause his earnings to increase. However, because he’s still a minor, some of his money is being stored in an account that he’ll only be able to access as an adult. According to the magazine, the rest probably pays for the toys he reviews, as well as production costs.

When NBC News asked Ryan why he thought he was so popular, he simply said “because I’m entertaining and I’m funny.”

All of this would be impressive for anyone, but Ryan has accomplished it all while still in elementary school.

BBC notes that this year’s rankings also saw makeup guru Jeffree Star make the list for the first time. Meanwhile, vlogger Logan Paul fell to 10th place from fourth place, after YouTube pulled him from the Google Premier ad service due to a highly insensitive video he filmed in Japan’s “suicide forest.”

We’re seriously so impressed with Ryan’s business acumen, and we’re looking forward to seeing how he grows and develops as a young entrepreneur. And um, maybe he can even share some money-making tips with the rest of us.

The post YouTube’s top earner is a 7-year-old who made $ 22 million this year—and we need a minute appeared first on HelloGiggles.

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This Couple Made Enough Dough Baking Biscuits to Quit Their Teaching Jobs

Sometimes when an opportunity arises, you just gotta roll with it.

Jesse Thompson and Lee Valenti were school teachers who dreamed of opening a learning center they’d call Hey Giant Robot, but they needed a way to fund it.

They decided to raise money by baking biscuits to sell at a pop-up market within the learning center.

“We were thinking we could sell them and make a couple hundred bucks on the weekend,” says Thompson, 39, who recalls they’d bake 500 biscuits and sell them for $ 3 to $ 4 a pair. “But then every weekend, we were selling out, and people were lining up.”

Within three months, the couple realized they didn’t have a side hustle baking biscuits to support their learning center.

They had a biscuit-baking business.

“We decided to flip our model,” Thompson says.

Instead of selling biscuits out of the learning center, they housed the learning center inside a bakery.

The couple found a location in Tampa, Florida, that could handle both the baking and the learning. They retained a bit of their original idea for the establishment’s name: Hey Giant! Little Biscuits.

A year and a half later, the biscuit shop employs six to seven part-time workers and costs an average of $ 15,000 per month to operate — “right now our profits range somewhere in $ 3,000 to $ 5,000 a month,” Thompson adds.

Valenti, 41, quit her teaching job last year when the couple realized that she could match her $ 45,000 annual salary by running the shop.

“Starting out, it was the goal to make almost the same or, if not, just a little bit less than what I was making teaching,” says Valenti, who attributes much of the business’s growth to catering events. “We did that fairly quickly.”

This year, Thompson quit his job so they could open a second location.

The pair aren’t alone in trying their hands at baking — here’s another baker who turned her passion into a sweet gig. There are 7,757 retail bakeries in the U.S. as of the first quarter in 2018, according to the Bureau of Labor Statistics. That’s a 14.6% increase since 2008.

But that doesn’t mean the baking business was everything Thompson and Valenti dreamed of.

Our vision of what we thought running a biscuit shop would be like was completely different than what it actually is,” Thompson says. “You think, oh, this is going to be cool — make a couple biscuits, hang out all day and when it’s slow, just sit and read some books.

“No, there’s none of that — we’re constantly making food.”

And although the path was unexpected, Thompson and Valenti say that starting over with new careers isn’t as much of a pie-in-the-sky idea as you might think.

Recognizing an Opportunity

Details of a person preparing biscuits and baked biscuits

From the beginning, the couple set themselves up for the possibility of expansion — just in case.

“When we tested the waters with our pop-up, we said, ‘Let’s rent a space and get the licensing,’” Thompson says. “‘Because if this works out, we can keep going forward. And if it doesn’t, then we’re not out too much — it’s going to be a meager Christmas, but that’s it.’”

Investing time and money turned out to be the incentive the couple needed to make some big decisions early on.

It was too much work to be half in,” Valenti says, and Thompson adds, “If you don’t find some level of commitment, you’re less motivated to keep driving forward.”

Transferable Skills

A man greets a customers at a biscuit shop

Although neither had previous experience in the food-service industry, Thompson and Valenti did bring translatable skills from their previous careers.

We’ve relied on and applied our teaching methods and our classroom management,” Thompson says. “You have to deal with different types of learners, and that flexibility on the management side has helped.”

Serving up biscuits behind the counter during a mid-morning rush, the pair calls out to customers by name — looking a lot like teachers at the head of a classroom.

After spending most of their professional careers in teaching, Thompson admits the couple misses certain elements of their old life — particularly when they attended an open house at their children’s school and realized they wouldn’t be setting up their own classrooms.

“If you do a career for 15 to 20 years, like we have with teaching and education, you’re going to miss it,” Thompson says. “There are certain routines and certain ways of life that you’re just used to.”

But the biscuit business has also offered the creative control that was sometimes missing from teaching, Valenti points out.

“Teaching is creative, but for us, we needed another outlet of something we ran,” Valenti says. “The biscuit shop is cooking, but it’s also a creative outlet for us — where we design the place, we make the menu, we make the recipes.

“It really feeds something that both of us are always looking for.”

Not Losing Sight of the Goal

The couple may have discovered a great way to make some dough, but what about their original idea, the learning center?

Thompson describes their vision for the first location as a junky robot repair shop that kids could explore before entering the learning center hidden in the back.

“None of that was realistic,” he says with a laugh.

The learning center is instead housed in a room off the main bakery, hidden behind a sliding chalkboard door that announces Biscuit Specials like Mississippi Maple and Nutter Butter Fluffer Nutter.

Staffed by volunteers, the center offers free tutoring, writing workshops and art classes after the bakery closes for the evening and on weekends.

Thompson notes that, although they enjoy baking, he and Valenti still consider the shop a way to fund their learning center.

“Being part of the learning community and sparking creativity is kind of our ultimate goal,” Thompson says. “We love making biscuits, but if we could [operate the center] full time, we would.”

Taking a Chance on New Careers

A couple pose for a portrait

The couple agrees that, despite the risks of leaving steady teaching jobs for the uncertainty of the culinary world, they have no regrets.

“You have those conversations of, ‘Wouldn’t it be great if one day,’” Thompson says. “We decided this has to be that ‘one day,’ because if we don’t, three years from now, we’ll get back to ‘what if.’”

Valenti notes that by challenging themselves to learn something new and by being flexible about their options, they’ve had an opportunity they thought they could only dream of.

Thompson’s advice to others fantasizing about a new career? You’ll never know if you don’t try.

“You have to take that plunge,” Thompson says. “Just be open to where it takes you.”

Tiffany Wendeln Connors is a staff writer with The Penny Hoarder. Data journalist Alex Mahadevan contributed to this article.

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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James Comey agrees to testify before House on condition it be made public afterward

Former FBI Director James Comey sued to block a subpoena from the House Judiciary and Oversight Committees, but will now testify on the condition it be made public after.
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I quit Instagram and Facebook and it made me happier — and that’s a big problem for social media

Christina Farr used to spend 5 hours a week posting and interacting with friends on Instagram. She quit cold this summer, and her life changed dramatically for the better.
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Surprise! Gucci and Comme des Garçons Made a Bag Together

It’s been a few years since high-fashion collaborations began inundating the market, and houses are still eager to couple up with each other to boost everything from product sales to consumer visibility and engagement. Whereas Virgil Abloh has become the industry’s most prolific collaborator (he …

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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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This electric motorcycle runs on 15 parts made via 3D printer

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Ready to upgrade from your e-scooter?

The NERA electric motorcycle is a functioning bike that was made using a 3D printer. The only catch — it’s just a “use case” example for a German 3D printing company to show off its material-making skills. 

Even if it’s not for sale, it’s an impressive print job from the NOWlab at 3D printer company BigRep. Printed in 15 pieces, the NERA bike actually runs on an electric engine embedded in the back rim. The battery is housed within the body. 

Everything but the bike’s electrical components were 3D-printed, including the tires, rims, frame, fork (the part that connects the front wheel and axle to the frame), and seat.  Read more…

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A dog changed this man’s life, then he made the most life-affirming Netflix show of 2018

Netflix dogs documentary

Glen Zipper had a life-changing moment back in 2003, when he was working as a criminal prosecutor and somewhat adrift, not happy with his career. He met a dog — a skinny canine named Anthony, with patches of hair missing that got taken to a local shelter. Anthony never left his mind, from the minute Glen first laid eyes on him.

He ended up calling the shelter to check in on him, found out he was due to be euthanized, so the then-prosecutor rushed to the shelter, and everything changed. Inspired by the volunteers taking care of dogs, he decided to become one himself. He started volunteering, and his newfound love of man’s best friend eventually gave him an idea. In a world as divided as the one we live in today, why not tell a series of stories about one of the few things everyone can agree on — namely, how much we all love our fluffy, four-legged companions.

Continue reading…

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A dog changed this man’s life, then he made the most life-affirming Netflix show of 2018 originally appeared on BGR.com on Sat, 17 Nov 2018 at 15:45:53 EDT. Please see our terms for use of feeds.


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Cuomo: This President has made a practice of disrespecting anyone he doesn’t like

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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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First Look: This Living Room Gets Uplifted | Home Made Simple | Oprah Winfrey Network

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

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Holiday Party Sportcoats, UK Made Dress Shoes, & More – The Thurs. Men’s Sales Handful

Sales that deserve some attention heading into the weekend or a bit earlier. Might not be some massive once a year event, but still worth a look. Those are what make up these handfuls. Five of the better sales, one for each finger, are below, plus bonus sales if need be. Included are a few picks worth pointing out. 

 

J. Crew: 35% off select w/ READYTOPARTY

J. Crew

That 35% off code makes me think of this:

Or, this.

Anyway, I do believe this is the first time this season that J. Crew’s party-ready, velvet shawl collar sportcoats have gone on sale. And there’s time to get em’ in the door and tailored before the mistletoe gets hung. Nice to see their Oar Stripe collection getting the cut as well. Big thanks to Brandon D. for the tip!

 

Massdrop: Made in the UK Loake Cap Toes – $ 239.99 FINAL ($ 360)

Made in the UK Loake Cap Toes

Goodyear welted, Made in the UK, and your choice of either a smooth leather sole, or a studded dainite sole for grip. It IS UK sizing though. So, most are gonna wanna size down a full size. Just be careful with that. Estimated ship date is December 19th. Final sale of course since it’s Massdrop.

 

GAP: 40% off Everything no exclusions w/ GIFT

GAP

Exclusion free? That means even their excellent, do anything casual – smart casual belts are getting the cut (leather accessories are usually excluded).

 

Allen Edmonds: $ 100 off Nomad Chelseas

AE Nomad Chelseas

The pearl clutching over the “new” Allen Edmonds has really hit a fever pitch. Its become a tiresome sport now, by some, to rag on what Allen Edmonds has been up to. Yes, some of it isn’t good. But that doesn’t mean the whole company is aflame. Yet. And I’ve had good luck with the Nomad collection. Super comfortable and wearable. And no, the “featherwelt” construction isn’t a cemented construction. It’s 360 Goodyear. Look, I hate to be an Allen Edmonds apologist. I don’t like everything the new owners (Caleres) are doing. But there’s still plenty to really like about AE. To me. For now.

 

Club Monaco: Extra 30% off Sale Items

Club Monaco

There doesn’t seem to be a ton in the Club Monaco sale section right now? But an extra 30% off is always appreciated. Some tempting cold weather stuff too, like that plaid coat and that wide color selection for their simple snap wrist gloves. No code needed here. Extra 30% off happens at checkout.

 

BONUS  Brooks Brothers: 30% off Select Sportcoats, 2 1818 suits for $ 1499

Big fan of Brooks Brothers sportcoats. Regent fit is more of an athletic fit, while the Milano is a true slim. Lots of exclusions, but there are some great looking jackets in there.

 

Also worth a mention:


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How Elena Ferrante’s ‘Neopolitan Novels’ made it to HBO

Nobody knows who wrote the wildly popular “Neapolitan Novels” — not even the creators of HBO’s Italian-language adaptation of the literary phenomenon. The international bestselling four-book series has sold more than 10 million copies in 40 countries, but its author is unknown — using the pseudonym Elena Ferrante. “Her identity is as guarded from us…
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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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Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

New Adidas Shoe Line Made From Recycled Ocean Plastic

Adidas has come out with a shoe line that has ocean activists captivated.

Adidas paired up with Parley for the Oceans to create an eco-friendly shoe line made from recycled ocean plastics.

A message from Parley for the Oceans: 

Here are the problems our ocean is currently facing. A massive amount of plastic trash ends up in our oceans every year. The ocean currents have formed five gigantic, slow-moving whirlpools where the plastic collects, nicknamed Vortex. Recent studies indicate that at least 5 trillion pieces weighing over 250,000 tons are now floating in the world’s oceans. The majority of the plastic debris sinks or remains in the Vortexes, however, a significant percentage of it washes onto our coastlines daily.

After sunlight photodegrades the plastic into small pieces, aquatic life and seabirds mistake these fragments for food and ingest it.

While it’s difficult to know exact figures, a 2012 report from WSPA indicates that between 57,000 and 135,000 whales are entangled by plastic marine debris every year in addition to the inestimable – but likely millions – of birds, turtles, fish and other species affected by plastic marine debris.

New studies show that ingested plastic damages the internal organs of fish. This raises the question about the safety of our seafood.

Turtle and Plastic in the Ocean
Underwater image of a turtle with plastic on his head.

 

In this day and age, human consumption and pollution are at an all-time high. The Straw Free Campaign by the National Parks Services confirmed that on average American’s use over 500 million straws per day. We know how detrimental plastics, if not disposed of correctly, can majorly affect our world.

That’s why the internet broke when the Adidas brand recognized the heavily discussed social issue and came up with an efficient way to get involved without compromising their reputable brand.

Everything Adidas does is rooted in sport and technology. The responsive running shoes made entirely from ocean plastic are described as following:

These women’s running shoes are created with yarn made in collaboration with Parley for the Oceans. They have an Adidas Primeknit upper built with yarn spun from Parley Ocean Plastic™. The Boost midsole absorbs the force from your footstrike to release it at push off for a super-charged ride. The women’s-specific design offers adaptive support, comfort, and stability. Wet or dry conditions, a grippy outsole delivers sure-footed traction.

New Adidas Shoe Line Made From Recycled Ocean Plastic
New Adidas Shoe Line Made From Recycled Ocean Plastic

“By 2020, Adidas wants all of their shoes to be made using recycled plastic, which is good for the health of the planet, but it’s good to know that their first foray into sustainability has been a success”. – Business Insider

So if you’re looking for a brand that provides technologically innovative and quality products, as well as a positive environmental impact, consider Adidas!

The post New Adidas Shoe Line Made From Recycled Ocean Plastic appeared first on .

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

This Man Started a Business Hanging Holiday Lights and Made $138K in Year 3

When you have a name like Josh Trees and your job is hanging holiday lights, you have to be prepared for the inevitable question: Is that actually your name?

Trees — yes, that’s his real name — started his business, We Hang Christmas Lights, in 1997, decorating homes, businesses and assorted branched greenery in Temecula, California.

But Trees definitely gets the last (jolly) laugh.

“When we first started doing this, people were like, ‘Oh, that’s a cute little business,’” says the 43-year-old. “We were like, ‘Yeah, cute,’ —  you don’t realize people are paying us $ 3,500 to put lights up on their houses.

“By my third year, I was hitting a net profit of right around $ 138,000.”

Now Trees crisscrosses the country with strands of lights and a tiny house to teach others how they can build their own businesses hanging twinkling bulbs.

On the First Day of Christmas Lighting

Trees’ classes help pass on knowledge that he has accumulated throughout his career, such as purchasing lights from wholesale vendors who offer discounts for bulk purchases and making your own extension cords. Aileen Perilla/The Penny Hoarder

Ah, the fond memories of hauling out last year’s box of lights to add some holiday cheer to the humble abode. Haphazardly arrange the lights around the front stoop, throw a wreath on the door and voilá!

But if you’re starting a business hanging lights, that simplified recollection can lead to costly errors, according to Trees. And he should know, because he had the same idea.

“We were making mistakes on everything — we were just a bunch of guys thinking, ‘Hey, this is going to be easy,’” Trees says. “We were hanging other people’s lights — that’s a huge no-no.… The second stage was hanging the crummy lights from retailers.

“I’m surprised I made it through the first couple years.”

By the third year, Trees had moved onto purchasing lights from wholesale vendors, which offered discounts for bulk purchases. He was also buying commercial-grade strands so that when one bulb went out, they didn’t all go out.

But Trees says his biggest mistake had nothing to do with lights — it was underbidding jobs.

I got into it in the first year…  and I didn’t make any money — probably lost money,” Trees says. “I was charging $ 150 for jobs that should have been $ 850.

“I bid a job for $ 3,500 that should have literally been $ 35,000. It was horrible.”

Enlightening Business Strategies

Lisa Pinkney, 56, works for her sister’s landscape business Daylily Landscaping in Washington D.C. “I wanted to learn how to do things the right way,” said Pinkney, who flew down with her sister to attend one of Trees’ classes. Aileen Perilla/The Penny Hoarder

Trees’ students echo his refrain, noting that learning from other professionals early on can help transform a business idea into a profitable enterprise — and with a lot fewer mistakes along the way.

One of Trees’ early students was Jeff Krall, owner of American Holiday Lights in Woodridge, Illinois. In 2008, Krall attended an individual training session, which Trees conducted before he started traveling the country to teach classes.

“Josh helped me get it started,” says Krall, 53. “Everything from how to hang the lights on the rooflines… making our own extension cords, how to wrap the trees.

“It would take someone… two or three years to learn how to do it correctly, whereas Josh, in two or three days, he tells them how to do everything.”

In his first season of business, Krall estimates he had 30 clients. Now he manages 25 to 35 employees who light 35 to 40 houses a day during the season, at an average price of $ 1,400 to $ 1,500 per house.

However, those visions of sugarplums and dollar signs dancing in your head might not be in your immediate future — or at least not the first season.

Last year, Lucas Pulvermacher decided to add a light-hanging business to his busy lawn care enterprise near Oshkosh, Wisconsin.

“My first year was tricky because I had to have an inventory of the lights. That’s a fairly large cost — and also the ladder, equipment, safety stuff like that,” says Pulvermacher, who recently turned 16. “I’d say we came out about even.”

Pulvermacher says his Lucas Lights lit three houses and two businesses after launching in mid-November last year — “It was hard because we started so late.”

After taking Trees’ class this year to learn marketing and sales strategies, Pulvermacher invested in professionally designed materials, including a logo.

His goal is to tackle 10 houses this year and then double that number by 2019 — when he has his driver’s license.

Beyond Christmas Lights

Jayson Nelson and John Gereg stand on either side of Connor Graham, president of We Hang Christmas Lights, as they learn how to make their own extension cords. Aileen Perilla/The Penny Hoarder

One of the cool things about those twinkling lights is that they still work after Jan. 1. That means there’s more business after the wintry holiday season.

“A lot of the guys we work with, they do wedding lights, event lights, party lights and backyard lighting, that sort of thing, and a lot also do landscape lighting,” says Trees, who estimates that light installations for weddings bring in $ 1,800 on average but can go as high as $ 7,000.

Krall, who also owns a roofing business, hangs lights all year round for backyard weddings, Diwali festival of lights celebrations and Halloween parties — “but the majority of what we do is Christmas,” he notes.

Holiday Gigs

Anthony Dixon, from Long Island, N.Y., holds a string of lights as Dominick Sacca learns how to properly staple them on the tiny house. Aileen Perilla/The Penny Hoarder

So let’s say you’re not ready to start your own business but being outside hanging lights sounds like a better gig than working a seasonal retail job.

Considering how hot the job market is, you might be in luck.

Krall notes that the toughest part of his business is finding good, reliable help.

“We got creative this year, so we align ourselves with other companies out there that are seasonal, like landscapers or pool companies,” Krall says. “When they’re laying off, we’re actively developing relationships.”

Trees recommends that installers offer tiered bonus pay, adding an extra $ 1 per hour each week to incentivize continued attendance as the season winds down — particularly in January when companies have to take down the lights.

Stephen Ogles, 32, learns how to wrap Christmas lights around a tree. Ogles, who owns a roof cleaning business in Lake City, Fla., came to learn how to hang lights during the slower winter months. Aileen Perilla/The Penny Hoarder

Helpers can typically make anywhere from between… $ 13 at the low end to about $ 20 at the high end — and that’s before bonuses,” Trees says. “When you find somebody that’s good, it’s key that you keep those people, because it’s temporary, and they know it’s temporary.”

For people interested in finding holiday lighting jobs in their area, Trees suggests checking places like Craigslist, Indeed and the We Hang Christmas Lights site, which includes a directory of light installers that’s searchable by zip code — just mention your interest in a job when you fill out the online form.

Trees has found that these holiday gigs are best suited for people who work warm-weather jobs in roofing, tree trimming and window washing. All of which have at least one trait in common — no fear of heights.

And yes, the money is nice, but Krall and Pulvermacher agree that the best part of hanging bulbs is the way their customers’ faces light up when they see the finished product.

“Everybody’s in a really good mood around Christmas time,” says Krall.

Pulvermacher adds: “It’s just kind of a cozy feeling when you see a house all lit up.”

Tiffany Wendeln Connors is a staff writer at The Penny Hoarder. She covers interesting careers and job benefits. Her holiday wish list includes a subscription to a gourmet cheese of the month club, in case anyone starts shopping early.

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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Boy Who Made Meghan Markle a Macaroni Necklace Now Taking Jewelry Orders from Around the World

Meghan Markle is known for being a style icon, even when it comes to the homemade accessories she wears.

While greeting fans in Melbourne during the Royal Tour last week, Meghan was approached by 6-year-old Gavin Hazelwood, who gifted the Duchess a homemade pasta necklace. The royal, 37, instantly put the adorable necklace on, and now Gavin is becoming just as well-known with jewelry order requests coming in from around the world.

“We had a lot of people saying to Gavin, you should make more, you’ll make lots of money from this, everybody will want to buy her necklace,” his mom, Rowan Hazelwood, told Network 10, as reported by CBS News.

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RELATED: Everything You Need to Copy Meghan Markle’s Chic Style

The family decided to create a website for Gavin, where fans can purchase the dinosaur-shaped pasta with gold paint necklaces for $ 20. The kindergartener has since received orders from Australia, the U.K. and the U.S.

Gavin intends on donating all of his profits to a stillborn research charity, CBS reported, as his mother previously lost a baby girl.

“She’s a part of our lives still, even for the kids, and they talk to her every day,” she told Network 10.

The Melbourne native, who was adorably dressed as a Qantas pilot, crafted the ribbon and gold-painted pasta necklace earlier that morning after telling his mom he was feeling sick so he could skip school and make the necklace for Meghan.

“I did the pasta with gold paint. Mum helped me thread through the necklace,” he told Fairfax Media.

RELATED VIDEO: Meghan Markle Stylishly Declares Her Love For Prince Harry With Customized Necklace

After receiving the gift, Meghan immediately put it on over her navy Dion Lee dress. The royal mom-to-be, who is expecting her first child with Prince Harry, proudly wore the gift during the rest of the outing until she arrived at a formal reception inside Government House.

Meghan often wears jewelry that has sentimental meaning.

Earlier in the tour, she wore butterfly earrings that once belonged to Princess Diana. And when Prince Harry and Meghan first began dating, she was spotted wearing a gold, personalized necklace with the letters M and H on it.


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Arrest made in connection to suspicious packages

A suspicious package addressed to Sen. Cory Booker, D-New Jersey, was discovered in Florida Thursday night, multiple law enforcement officials told CNN.


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

How the 2018 Latin American Music Awards Made History With More Girl Power Than Ever

2018 Latin American Music Awards HostsGirl power was the name of the game at the 2018 Latin American Music Awards.
In a historic move, the annual award show was hosted by not one, but five of Latin America’s favorite…

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‘Made in France’ Brand Rue Begand Opens First Store

PARIS — One is in Troyes, a city in eastern France with a deep-rooted textile history. The other is located in the Haut Marais, a trendy shopping district in the center of Paris.
Rue Begand — the men’s fashion brand — has opened its first brick-and-mortar store on the Rue Charlot, after launching wholesale in January at L’Exception in France and United Arrows in Japan.
Doubling as the label’s headquarters, the shop sports a photo studio in its basement where the fall 2018 and spring 2019 collections were shot for the Rue Begand e-shop, set to launch in a couple of weeks.
Named after a street in Troyes that used to house a number of clothing workshops, the brand is a celebration of local savoir faire.
“Eighty percent of our clothes are made in Troyes,” said Rue Begand’s founder Samuel Granata, adding that the remaining part is manufactured in a nearby town, with a few of the more voluminous pieces being made in Tunisia.
Rue Begand works with L’Atelier d’Ariane, a historical clothing manufacturer based in Troyes run by Granata’s mother Véronique. “My family has had the atelier for over 20 years,” said the 25-year-old founder, who runs the brand with his brother Arthur. “I spent most of

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Prince Harry just made a very public speech about Meghan Markle and their baby

And it’s too much!

Ever since Prince Harry showed off his parenting skills, jokily scolding a little boy for pulling his wife’s hair and then catching two-year-old Emily Henson stealing his popcorn at last year’s Invictus Games, fans have been waiting for the 33-year-old Prince to become a father himself.

And now it seems the time is here.

Yes, after tying the knot in May, Prince Harry and Meghan Markle announced last week that they were expecting a baby, arriving in Spring 2019.

The news broke soon after the royal couple’s arrival in Australia for their royal tour, with the Duke and Duchess of Sussex reportedly telling the Queen, Prince Philip, Prince Charles, Prince William and Kate Middleton at Princess Eugenie’s wedding.

Following the official statement by Kensington Palace, the future parents have spoken out about their excitement.

meghan markle prince harry cutest moments

Tim Rooke/REX/Shutterstock

‘Thank you for the welcome you have given Meghan and I over the last few days,’ Prince Harry announced in his speech at the Invictus Games opening ceremony. ‘I have been so proud to be able to introduce my wife to you and we have been so happy to be able to celebrate the personal joy of our newest addition with you all.

Unsurprisingly the comments have set the internet alight with excitement, and it’s not the first comments the couple have made about their future arrival, while on tour.

meghan markle prince harry cutest moments

Getty Images

While visiting a family in Dubbo, New South Wales, Meghan is said to have opened up about her pregnancy with mother Emily Carroll, who has 13-month-old daughter Ruby.

‘Meghan told me that she’s feeling pretty good so far, which is great, and that she’s running on adrenalin,’ Emily explained. ‘She said they’re doing 76 engagements in 16 days, with maybe one rest in the middle.

Emily continued: ‘She’s made for this royal business, isn’t she? They’re both great with kids.’

‘We also genuinely couldn’t think of a better place to announce the, er, upcoming baby,’ Prince Harry said during a speech last week. ‘Whether it’s a boy or a girl. So thank you very, very much.’

These two!

The post Prince Harry just made a very public speech about Meghan Markle and their baby appeared first on Marie Claire.

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How David Guetta helped bring house music to the US and made his rise to the top

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

CHARITY UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

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

How This Couple Made $332K Worth of Debt Disappear While Raising 4 Kids

Don’t we all wish life were more like “The Brady Bunch”?

Two parents, both in their second marriages, could blend their families. There would be comedic dysfunction, yet all would end well.

But reality is a much different show.

Kids, ex-spouses, custody battles and emotional trauma often contribute to the 67% of second marriages that end in divorce.

Plus, couples bring more financial assets — and debt — into a second marriage. Each person often has goals and spending habits they don’t intend to change.

Pete and Maria Sbashnig knew all that when they got married in 2008.

To keep things the same for their kids after their divorces, each had lived in houses they couldn’t afford on their single incomes and used credit cards to fill in the gaps.

Pete had been divorced for two years when he married Maria. He had joint custody of his son and daughter. Maria had been divorced for six years with full custody of her two daughters.

All four kids played sports, and the whole family would take trips for competitions and tournaments. The sporting events brought the family together, but financially, they added up.

I just remember being so overwhelmed with the family dynamic and the blending of the family that finances weren’t even a consideration,” Pete said.

About a year and a half into their marriage, Pete found a net worth calculator on Bank of America’s website. His 401(k) had almost six figures, so he thought he was doing pretty well.

Pete, a letter carrier, and Maria, a legal assistant, had never combined their finances, so he figured it was time to see where they stood.

Midway through listing their debts — which included two mortgages, a home equity line of credit, two car loans and over $ 60,000 in credit card debt — he realized it was going to surpass their assets. But he didn’t realize by how much.

Their total debt was $ 332,000, putting their net worth at a negative $ 244,000.

After looking at this number, I had an emotional breakdown,” Pete said. “I personally felt that I was a complete failure. I was in my mid-30s, already divorced once. We were struggling to keep the new family together, and now it looked like we were bankrupt.”

Maria knew she’d made some financial mistakes, such as taking out an interest-only mortgage. Still, she felt she was managing her finances well enough.  

“I had been on my own with my kids for six years,” she said. “I liked the fact that I had control over my own money because I was not letting anyone control me or my money.”

How They Started Blending Finances

 

A family of four sit down for dinner at their home.
Jordyn, Dylan, Maria and Pete eat dinner at their home in Spring Hill, Fl. Pete and Maria managed to put their four kids through college while chipping away at their debt. Tina Russell/The Penny Hoarder

The next day on his mail route, Pete changed the radio station from the sports broadcast he typically listened. He came across a guy giving callers debt-payoff advice. That guy turned out to be debt-free living evangelist Dave Ramsey.

When Pete told Maria the advice he’d heard, she knew the timing was too perfect to be a coincidence; she took it as a sign.

So together, they set out to eliminate everything but their mortgages.

“[Pete] approached it like, ‘We’re in this together. We’ve been doing this ‘your debt/my debt’ and ‘your bills/my bills’ this whole time, but that’s not the way it’s supposed to be,’” Maria said.

They had $ 5,000 in cash, but they used all but $ 1,000 to pay down debt. That made Pete anxious.

“It’s not like $ 5,000 is a ton of money, but it felt like a big security blanket,” he said.

In the first couple months, they had setbacks. They had to replace their water heater and dryer, pay for a car repair and, to top it off, had a subterranean termite infestation.

But these troubles didn’t happen all in one day. None of them cost more than $ 1,000, so they paid for them using their emergency fund and replenished it every payday.

How Teamwork Helped Them Crush Their Debt

A married couple smile for the camera.
Pete umpired baseball games, mowed lawns and helped his dad with his landscaping business to earn extra income. Maria clipped coupons, cooked meals at home and limited school shopping. Tina Russell/The Penny Hoarder

Pete took side jobs to increase their income. He umpired baseball games, mowed lawns for people he delivered mail to, and helped his dad with his landscaping business.

Maria cut the family’s expenses. She clipped coupons, cooked meals at home and limited school shopping.

“He played offense, and I played defense,” Maria said.

They paid off $ 65,000 in 17 months while making less than $ 100,000 per year combined.

“The first year, we didn’t eat out,” Pete said. “We ate out once. We got two pizzas. We spent $ 19 on two pizzas.”

They saw that when they worked on their finances together, they did exponentially better than they did when they managed them separately.

After they tackled their short-term debt, they worked on the mortgage from Pete’s prior house — which was underwater — and its home equity line of credit. They finally sold it in 2013 and started focusing on the last debt: their mortgage.

What About the Kids?

A family spend time together in their kitchen.
Maria and Dylan watch as Jordyn shows off her new cat slippers. Tina Russell/The Penny Hoarder

When Pete and Maria started paying down debt, their kids ranged in age from 8 to 14. Needless to say, the change in spending was an adjustment.

The kids started doing more chores around the house to earn money and were limited on what they could pick out at grocery and clothing stores.

They were all allowed to continue doing their sports and competitions — just without the frills, which sometimes caused resentment.

“They didn’t like the fact that we’d go to the baseball tournament and everyone was going out to eat, and we’re like, ‘Sorry, we’re going home,’” Maria said.

The Sbashnigs also wanted to make sure their children didn’t start their adult lives fighting to get out of debt, so they wanted to save for their college. But they made sure the kids had some skin in the game.

Their children all had to apply for scholarships. Ultimately, a state program paid for 75% of their tuitions. Pete and Maria supplemented the rest, along with housing and books.

With two kids now out of college and two entering their sophomore years, the Sbashnigs say their children are making their own financial decisions. They’ve seen what you can accomplish by saving and investing, and they’re on the path to doing well with money.

Debt-Free Now — So What’s Next?

A family prepare dinner together.
Maria makes dinner as Jordyn prepares dessert. Tina Russell/The Penny Hoarder

In November 2017, Pete and Maria paid off their house — the culmination of a $ 332,000 debt-payoff journey that spanned almost a decade.

Now, Pete and Maria travel and live with a freedom they’ve never experienced before.

Shortly before they paid off the house, Maria’s employer cut her work-from-home hours. Because they were so close to being debt-free, she was able to take a part-time job at a law firm. The job change cut her income, but it allowed her to be at home even more. It was a choice they wouldn’t have even been able to consider before.

Moving forward, Pete and Maria want to help others in similar situations — people in divorced or blended families — through their blog, books and counseling.

Pete and Maria hope their story will encourage others to work together to get stronger.

“One Belgian horse can pull 8,000 pounds, but you put two of them together — and train them properly — they can pull three times that amount,” Pete said. “That was the same thing we found when we worked together.”

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

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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Jimmy Kimmel Made a Video to Support His Theory About Melania Trump’s Trip

First Lady Melania Trump just completed her first solo excursion in a political capacity, touring Africa for five days and stopping by hospitals and orphanages, hanging out with elephants and visiting famous sites like the Sphinx and the Pyramids on her journey. And while plenty of attention has been paid to both her ongoing promotion of her ‘Be Best’ campaign and her fashion choices for the jaunt, Jimmy Kimmel wants to focus on something different: her facial expressions.

Kimmel drew a sharp contrast between the First Lady’s seemingly joyful spirit while photographed and videoed during her public engagements in Egypt, Ghana, Malawi and Kenya in comparison to clips of her taken while back in the U.S. at the side of her husband President Donald Trump for a spoof.

“This is Melania’s first trip overseas, and she really seemed to enjoy herself,” Kimmel suggested. “It’s not scientific, but draw your own conclusion.” (They added in some ominous Star Wars music for effect to really draw out the stark difference between her U.S. self versus her cheerful African tourist self.)

Now that she is back on U.S. ground.

Here’s Kimmel’s spoof below.


Entertainment – TIME

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Taylor Swift just made her political stance very very clear

And all for a very important reason…

taylor karlie

Taylor Swift is one of the most talked women in the world, with everything from her love life to her girl squad analysed by the public.

It’s hardly surprising therefore that the 28-year-old keeps some aspects of her life close to her chest, among these being her current relationship with Joe Alwyn, her feud with Katy Perry and her political stance.

One of these changed this week however, as the Look What You Made Me Do singer opened up about her political opinions for the first time ever, ahead of the upcoming midterm elections.

‘I’m writing this post about the upcoming midterm elections on November 6th, in which I’ll be voting in the state of Tennessee,’ Taylor posted to her Instagram alongside a black and white photo of herself. ‘In the past I’ve been reluctant to publicly voice my political opinions, but due to several events in my life and in the world in the past two years, I feel very differently about that now.’

body confidence quotes Taylor Swift

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Going on to talk about her own political stance, Taylor explained: ‘I always have and always will cast my vote based on which candidate will protect and fight for the human rights I believe we all deserve in this country. I believe in the fight for LGBTQ rights, and that any form of discrimination based on sexual orientation or gender is WRONG. I believe that the systemic racism we still see in this country towards people of color is terrifying, sickening and prevalent.’

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I’m writing this post about the upcoming midterm elections on November 6th, in which I’ll be voting in the state of Tennessee. In the past I’ve been reluctant to publicly voice my political opinions, but due to several events in my life and in the world in the past two years, I feel very differently about that now. I always have and always will cast my vote based on which candidate will protect and fight for the human rights I believe we all deserve in this country. I believe in the fight for LGBTQ rights, and that any form of discrimination based on sexual orientation or gender is WRONG. I believe that the systemic racism we still see in this country towards people of color is terrifying, sickening and prevalent. I cannot vote for someone who will not be willing to fight for dignity for ALL Americans, no matter their skin color, gender or who they love. Running for Senate in the state of Tennessee is a woman named Marsha Blackburn. As much as I have in the past and would like to continue voting for women in office, I cannot support Marsha Blackburn. Her voting record in Congress appalls and terrifies me. She voted against equal pay for women. She voted against the Reauthorization of the Violence Against Women Act, which attempts to protect women from domestic violence, stalking, and date rape. She believes businesses have a right to refuse service to gay couples. She also believes they should not have the right to marry. These are not MY Tennessee values. I will be voting for Phil Bredesen for Senate and Jim Cooper for House of Representatives. Please, please educate yourself on the candidates running in your state and vote based on who most closely represents your values. For a lot of us, we may never find a candidate or party with whom we agree 100% on every issue, but we have to vote anyway. So many intelligent, thoughtful, self-possessed people have turned 18 in the past two years and now have the right and privilege to make their vote count. But first you need to register, which is quick and easy to do. October 9th is the LAST DAY to register to vote in the state of TN. Go to vote.org and you can find all the info. Happy Voting! 🗳😃🌈

A post shared by Taylor Swift (@taylorswift) on

‘I cannot vote for someone who will not be willing to fight for dignity for ALL Americans, no matter their skin color, gender or who they love. Running for Senate in the state of Tennessee is a woman named Marsha Blackburn. As much as I have in the past and would like to continue voting for women in office, I cannot support Marsha Blackburn. Her voting record in Congress appalls and terrifies me. She voted against equal pay for women. She voted against the Reauthorization of the Violence Against Women Act, which attempts to protect women from domestic violence, stalking, and date rape. She believes businesses have a right to refuse service to gay couples. She also believes they should not have the right to marry. These are not MY Tennessee values.’

So who will Taylor be voting for?

‘I will be voting for Phil Bredesen for Senate and Jim Cooper for House of Representatives,’ Taylor explained to her followers. ‘Please, please educate yourself on the candidates running in your state and vote based on who most closely represents your values. For a lot of us, we may never find a candidate or party with whom we agree 100% on every issue, but we have to vote anyway.’

She concluded: ‘So many intelligent, thoughtful, self-possessed people have turned 18 in the past two years and now have the right and privilege to make their vote count. But first you need to register, which is quick and easy to do. October 9th is the LAST DAY to register to vote in the state of TN. Go to vote.org and you can find all the info. Happy Voting! 🗳😃🌈.’

Well that’s that.

The post Taylor Swift just made her political stance very very clear appeared first on Marie Claire.

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Kerry Kennedy made $352K from her father’s non-profit

Human rights advocate Kerry Kennedy, who is leading the controversial mass bail-out of Rikers Island prisoners, collects a boatload of cash as the leader of the non-profit named for her slain father. Kennedy, 59, who has had her own brush with the law, raked in $ 352,298 in total compensation in 2016 as president of the…
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Chris Evans’ emotional ‘Avengers 4’ tweet made us freak out about Cap dying again

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Chris Evans is officially done with Avengers: Infinity War, and his last day on set was “emotional…to say the least.”

Saying goodbye to a character you’ve played for eight years is certainly an emotional experience, but knowing Marvel, Cap will have quite the send off. In fact, we think he died.

Officially wrapped on Avengers 4. It was an emotional day to say the least. Playing this role over the last 8 years has been an honor. To everyone in front of the camera, behind the camera, and in the audience, thank you for the memories! Eternally grateful.

— Chris Evans (@ChrisEvans) October 4, 2018 Read more…

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This ex of Kate Middleton’s made Prince William more jealous than most

Yes, really.

Kate and William holding hands
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Kate Middleton and Prince William are one of the most talked about couples in the world, from their happy family life with Prince George, Princess Charlotte and Prince Louis, to their relatable day to day habits at Kensington Palace – they’re just like us really!

The Duke and Duchess of Cambridge seem so happy in fact it’s hard to remember that there were ever rocky patches.

In 2007 however, Kate and Wills briefly broke up, with Kate even leaving the country to process the split, heading to Dublin with her mum and a group of friends to relax.

It has emerged however that also during their break up, Kate had a brief romance – and it is reported to have annoyed William more than most.

Why? Because it was with one of William’s Eton school friends, shipping heir Henry Ropner.

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It gets even more dramatic as Harper’s Bazaar Australia reported that William once dated Ropner’s ex back in the day.

Drama!

‘We were both very young,’ Prince William explained of the split in their 2010 engagement video interview. ‘It was at university, we were sort of both finding ourselves as such and being different characters and stuff, it was very much trying to find our own way and we were growing up.’

He continued: ‘It was just sort of a bit of space and a bit of things like that, and it worked out for the better.’

Kate certainly seemed to agree, explaining, ‘I think at the time I wasn’t very happy about it, but actually it made me a stronger person.’

The post This ex of Kate Middleton’s made Prince William more jealous than most appeared first on Marie Claire.

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This Top Has Made Miami Into a Style Destination for Whitney

I’ve never been to Miami, but I know that when I do eventually go, ethical fashion boutique Antidote is going to be at the top of my list of places to visit. In the meantime, I like scrolling through the retailer’s online store to see what sustainable brands it’s currently stocking — there are …

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Stephen Colbert Made a Musical Kavanaugh Parody

Stephen Colbert had jokes after a former classmate alleged that Supreme Court nominee Brett Kavanaugh got into a bar fight after attending a UB40 concert in 1985, while he was a student at Yale University.

In a clip aired on Tuesday night, Colbert and the Late Show team parodied UB40’s hit, “Red Red Wine,” with lyrics that reference the controversy surrounding allegations of drunken behavior, along with interpolated clips of Kavanaugh’s testimony in the song.

The song comes after Monday’s reports that inspired the parody; according to a report by the New York Times, the fight allegedly started when Kavanaugh and friends thought they spotted the lead singer of UB40 at a bar, a misunderstanding that escalated.

For their part, UB40 seems to want no part in the Kavanaugh drama, taking to their Twitter to address the renewed focus on their band.

Watch the full clip of the Kavanaugh “Red Red Wine” parody below.


Entertainment – TIME

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