These 5 People Added up to 284 Points to Their Credit Scores by Making the Same Move

Everyone who’s saddled with bad credit has a unique story.

A man burdened with $ 6,000 in unpaid bills. A couple recovering from job loss and foreclosure. A woman who fell behind on payments while living abroad. A single mom with a terminally ill child. A young woman with so much debt she couldn’t even get a credit card.

One of the toughest parts about paying down debt and fixing your credit score is knowing where to begin.

To create a rebuilding plan, first you have to know what you’re dealing with.

Your credit report will give you this information. You can get a free copy of it once every 12 months from each of the three major credit reporting bureaus — but they can be tough to decipher.

If you want to keep a closer eye on your credit, get your credit score and “credit report card” for free from Credit Sesame. This website breaks down exactly what’s on your credit report in layman’s terms, how it affects your score and what you should do about it.

Folks who’ve used it tell us it’s a lifesaver.

5 People Who Raised Their Credit Scores Using Credit Sesame

We spoke with five different people who’ve had profound problems with their credit. All five turned things around with Credit Sesame.

James Cooper: +277 Points

James Cooper knows all about having bad credit. As recently as 2017, his credit score was a lousy 524.

“I never had a credit card,” he says. “I had $ 6,000 worth of unpaid bills.”

He vowed to sort out his financial situation and fix his credit.

Although there are legitimate credit repair services, there are also shady ones that demand money upfront and promise way more than they can deliver. Then they’ll milk you for money until you wise up.

Cooper and a friend went through this ordeal with three companies. Then they found Credit Sesame, and the free credit monitoring service taught them how to fix their credit.

Cooper raised his score by 277 points — from 524 to 801 — over the six months from June to November 2017.

Inspired by his experience, now Cooper teaches high school students the importance of good credit.

Jerry Morgan: +120 Points

In 2008, the housing bubble burst. The three-bedroom home in New Port Richey, Florida, where Jerry Morgan and his wife, Vivienne, had lived for 10 years plunged into the foreclosure process.

Then Vivienne lost her job.

By 2017, the family’s financial situation started to look up again. So in September, Morgan decided to address his credit score.

“Frankly, with the experiences we have gone through, I was embarrassed to even check my score,” he said.

Before coming across Credit Sesame, Morgan hadn’t bothered to check his credit score in, well, quite a while. He says finally getting his finances on stable ground encouraged him to take a peek at this three-digit number.

Following recommendations from the service, he’s raised his score 120 points in six months.

Elisabeth Nyang: +168 Points

At the end of 2016, Elisabeth Nyang was in debt to the tune of $ 17,500 — a mix of credit card debt, overdue bills and lingering student loans. She found herself there after two years of living in China.

In China, where it’s difficult to send money to the U.S., Nyang fell behind on her payments. In hindsight, she admits, the difficulty in transferring money was just an excuse — out of sight, out of mind.

But when she decided to move back to the States, she knew she needed to get her finances back on track.

“I can’t live like that,” she remembers thinking.

Since signing up for Credit Sesame in January 2017, Nyang has paid off that $ 17,500 pile of debt and raised her score from 495 to 663. That’s a 168-point jump.

Melinda Smieja: + 284 Points

In 2005, Melinda Smieja’s 13-year-old daughter was diagnosed with a terminal brain tumor.

“So here I am a single mom, and my daughter gets sick,” she explains. “And I’m like, ‘What am I gonna do?’”

Between continuing to care for her younger daughter and moving from Seabeck, Washington, to Seattle to be near her 13-year-old’s medical care, she racked up credit card debt.

“I used [a credit card] for dinners, I used it for food,” she says. “For a place to stay. It got to the point where all of my credit cards were maxed out.”

Her credit score was down to 480 by the time she checked. And she’d racked up somewhere between $ 20,000 and $ 30,000 in debt on 11 credit cards.

In 2010, an email campaign led her to Credit Sesame, a new company (at the time) offering an easier way to monitor your credit history.

“It was something that I had been searching for [without realizing it],” Smieja explains.

It made her overwhelming situation manageable.

“I could look and I could say, ‘Okay, this is what’s all going on here. This is my debt. This is what’s happening. This is what’s making my credit [interest] high.’”

And she could finally tackle her debts, one at a time. The work wasn’t quick. It was slow and steady — but it paid off.

In 2016, for the first time, Smieja’s credit score hit 680, crossing the line of what lenders consider “good credit.” By late 2017, it was up to 764.

Dana Sitar: +68 Points

At 30, Dana Sitar’s history with credit cards, student loans and medical bills was pretty bad.

Student loan interest was piling up. Hospital bills were out to collection agencies. No one would give her a credit card. She landed a loan for a new car by the skin of her teeth. Her security deposits for car rentals and apartments were through the roof.

She wanted to fix it, but didn’t even know where to start.

Sitar, an editor for The Penny Hoarder, found Credit Sesame in 2016, and today, she’s breathing a little easier.

Credit Sesame, Sitar writes for The Penny Hoarder, is “answering all the questions swirling in my head, keeping me awake at night and threatening a panic attack every time I authorize a credit check.”

Since she started tracking her credit score with the app, she’s watched it rise — slowly but surely — by 68 points.

“Motivated by the easy access to my free credit report card through the app,” she says, “I haven’t been able to ignore my credit like I used to.”

Keep an Eye on Your Credit Score

Your credit score is important.

And why is that?

The better your score, the better deal you’ll get on a mortgage, car loan or credit card. We’re talking big money here.

To keep a closer eye on your credit, get your credit score and a credit report card for free from Credit Sesame.

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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Handling Homeowner Objections to Move Leads Down the Sales Funnel

No matter what kind of sales you’re in, you will always combat objections as you push to drive more leads into customers. Especially in the home improvement industry, homeowners are automatically skeptical before they’ve even had a chance to speak with you. In a perfect world, you receive a homeowner lead, they’re thrilled to meet with you, and ready to sign on the dotted line to begin their project.

We all know it’s rarely that easy to drive more sales, so we’ve compiled a list of common objections you’ll face with answers to keep your conversations going with the ultimate goal of getting to the appointment stage.

“I was just shopping”

Great, that’s where it all begins. A great next step is to have one of our energy efficiency experts come to your home and give you a free estimate and let you know how much you could save on your electric bill. Would 3:00 Thursday work for you?

 

“I only need a minor repair”

Did the glass break or is it the window itself? (if window)…that’s too bad, do you know how old the windows are? It is possible this is the beginning of more trouble and that you are also spending way too much on your electric bills. We should have an efficiency expert come and inspect the windows and give you a replacement estimate. Would 3:00 Thursday work for you?

 

“You have the wrong number”

I am sorry to bother you and will update our records, but since I have you on the phone, we are having a special right now on ______, would you like to have someone come out and give you a free estimate?

 

“I’m not ready to start yet”

Great, I hear that from a lot of our customers, which is why our free estimates are good for six months… it allows you to budget and plan for an exact date. But since I have you on the phone, we are having a special right now on ______, would you like to have someone come out and give you a free estimate? Would 3:00 Thursday work for you?

 

“I already have a contractor”

That’s great. Lots of times I speak with homeowner’s who have an estimate and want a second one to compare prices, quality and reputation. What time Thursday would work for one of our energy efficiency experts to come out and give you a free estimate?

 

“I never put in a request”

Then I am sorry to bother you and will take your name off our list, but since I have you on the phone, we are having a special right now on ______, would you like to have someone come out and give you a free estimate?

 

“I only need materials”

No problem, I hear that all of the time, and, while we don’t just sell materials, I speak to homeowners who want to do the work themselves every week and then, when they get into the project, decide to get a professional. Since the estimate is free, we could come out and give you one and you could have it in case you decide you want it done by experts. Would 3:00 Thursday work for you?

 

“I really only want quote over the phone”

I appreciate that and I am the same way, but giving you an estimate without seeing the windows would be like diagnosing and illness without seeing a doctor, it is a guess and will likely be wrong. We have trained professionals who are friendly, fast and intelligent. What time Thursday would be good to have someone come out and give you a free estimate?

 

“I have already received numerous calls; I’m not interested in speaking with anyone else”

I am so sorry, I know how annoying that can be and we won’t call again, but since we are talking now, we are an Angie’s List super service provider and we are running a special right now, it is a great time to get a free estimate from us. What time Thursday would be good to have someone come out and give you a free estimate?

 

Notice that our suggested responses have the deliberate intention of empathizing with the homeowner and giving a clear call to action with a time and date to set an appointment. Any objection can be met with a delicate approach to continue driving any lead further down the sales funnel. Now, go out there and turn those objections into completed projects!

Ready to grow your business?

The post Handling Homeowner Objections to Move Leads Down the Sales Funnel appeared first on Modernize.

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Janet Yellen: Possible next Fed move is a cut if global growth continues to slow

The former central bank chief cited "slowing global growth" as the biggest threat to the economy she once watched over.
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Stocks Move Higher In Morning Trading, Nasdaq Outperforms – U.S. Commentary

After initially showing a lack of direction, stocks have moved mostly higher over the course of morning trading on Thursday. The major averages have all climbed into positive territory, with the tech-heavy Nasdaq showing a notable advance.
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Stocks Recover From Early Move To The Downside – U.S. Commentary

After coming under pressure early in the session, stocks have shown a notable recovery over the course of the trading day on Thursday. The major averages have climbed well off their lows of the session and back near the unchanged line.
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Democrats move to cut prescription drug costs

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These 6 Tips Can Help You Move From From Part-Time to Full-Time Employee

Wishing for more from your part-time or seasonal gig?

For workers who’d prefer to be full-time, the difference goes beyond a bigger paycheck.

Depending on the company, full-time employment can mean a benefits package that includes health insurance and paid time off along with the stability of a reliable schedule.

As of November 2018, more than 4.8 million part-time workers in the U.S. said they’d rather be working full time, according to the U.S. Bureau of Labor Statistics. That’s 2.9% of the labor force.

Although that group was nearly twice as large (9,233,000) in March 2010, the most recent figure is still larger than the pre-recession lows of 3,900,000 back in March 2006.

And that number doesn’t count “voluntary” part-time workers, which includes those who might otherwise want to be full time but have to cut back on work hours due to rising child care expenses or family caregiving costs.

But making the leap to full-time employee demands more than wishing. Read on for tips to turn your part-time gig into a more, ahem, full-filling career.

Going From Part-Time to Full-Time Work

 Emily Kapit poses for a portrait

Before rushing into your boss’s office to demand an increase in hours, consider what your goals are, advises career strategist Emily Kapit with ReFreshYourStep.com.

“Are you looking for a 40-hour-per-week job? Are you looking for simply more hours?” she asks. “Or are you looking for the full shebang, including benefits and everything?”

Preparation is essential, since asking for full-time status should be no different than negotiating a job offer or salary increase, Kapit says.

Here are six tips to arm you for the ask.

Know What Is the Difference Between Part Time and Full Time

Researching your company’s policies should be your first step, since the definition of part time and full time can vary by employer.

Although the U.S. Bureau of Labor Statistics identifies part-time employees as individuals working one to 34 hours per week, the Fair Labor Standards Act, the federal wage and hour law, doesn’t define full- or part-time employment.

That means one company’s full-time employee could work 40 hours, while another might consider anyone working more than 32 hours full time. And benefits associated with those classifications can vary, too.

Consult your human resources department, hiring manager or employee manual to help you understand your organization’s policy.

List Your Accomplishments

Now is not the time to be humble.

If you’re going to make the case to your boss that the company needs you more, you’ll need to present measurable accomplishments from your part-time tenure, according to Kapit.

“What have you done that has made a difference, that has been impactful, that would not have happened without you?” Kapit asks.

To simplify the process for identifying your achievements, she suggests answering three questions: What did you do? How did you do it? What was the outcome?

This method also applies to seasonal workers even if you’ve only been at the job for a few weeks.

“You have less time to prove yourself,” Kapit says. “But it’s also the nature of the job to have done a lot in a short amount of time.”

Make Your Boss’s Job Easier

Building a good relationship with your boss can help solidify your place on the team. One good way to do that is by volunteering to take on tasks that make your supervisor’s job easier, Kapit advises.

“If your manager knows they can depend on you and that you are being proactive and have foresight into what’s happening, that’s how you build a really strong relationship,” she says.

By changing your mindset so you no longer view the job as temporary, you’ll demonstrate why you deserve to be there full time, according to Scott Waletzke, head of enterprise recruitment strategy at Adecco Staffing USA.

“Set yourself apart and be that individual who is going to have that positive outlook or that positive attitude every single day when you come into work,” he says. “View that job as just an extended interview.”

Network With Those Who’ve Made the Leap

If you haven’t already, introduce yourself to other employees who have successfully made the leap from part time to full time, Kapit advises.

“Ask them for their insight, ask them for their support — especially if they had to have that same conversation with the same [supervisor],” she says.

Networking is a great way to garner support, but Kapit cautions that it only works as part of a bigger strategy.

“If you have built all the great relationships but have really not done anything, that’s really not going to be helpful,” she says. “The main game plan is do a great job because it’s all going to boil down to: How have you been impactful?”

Prepare to Negotiate

So when’s the best time to talk to your boss about your desire for full-time employment?

“There’s no time like the present,” Waletzke says. “No one’s going to know what you want out of that job unless you tell them what you’re looking for.”

And by going in prepared with your list of needs and accomplishments, you’ll be ready to confidently approach the negotiation as a discussion rather than a plea, Kapit says.

“That question, ‘What can we do?’ is very strategic,” she says. “It’s opening it up as a true dialogue between two people, as opposed to ‘I want this’ or ‘I’ll defer to you.’”

And don’t forget to think outside the box — or your current job at the company.

“If it’s not in your current role, perhaps there is another full-time position available in another department,” Kapit says. “This is particularly true for seasonal employees looking to make a post-holiday leap.”

Always Be Looking

Even armed with a list of accomplishments and an armada of advocates, your boss might say no to your request to become a full-time employee.

“Unfortunately, as an employee, you don’t necessarily always see behind the scenes,” says Waletzke, who notes there are any number of reasons a boss may decline, including budgetary reasons or hiring criteria restrictions.

If you’re a seasonal or temporary worker, Waletzke strongly recommends finishing the assignment, since your manager might provide a reference — or possibly a job in the future.

“Definitely stick it out and stay for the long haul, because you might even pick up some skills along the way,” he says.

By developing a professional, well-researched approach, you’re creating a guide for your ongoing career journey, Kapit stresses.

“Know that’s it’s not personal, and it’s just a matter of continuing your job search,” says Kapit. She adds that until you find a job that offers you the hours and pay you want, “You should always be looking.”

Tiffany Wendeln Connors is a staff writer at 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.

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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Envoy leaves terror coalition after Syria move

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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!

On the Move: KPMG’s New Diversity Chief, Michele Meyer-Shipp

In August, Michele Meyer-Shipp was named Chief Diversity Officer at KPMG.

KPMG is one of the world’s largest auditing companies along with Deloitte, Ernst & Young, and PricewaterhouseCoopers. The Amsterdam-based company employs 189,000 people and provides professional services in the areas of financial audit, taxes, and advisory.

According to a press release, Meyer-Shipp is an executive and attorney with “significant experience in inclusion strategy and employment law.” She joins KPMG as a partner.

More information on her appointment is included in the press release:

“[Meyer-Shipp] will lead the national Inclusion and Diversity (I&D) team and oversee its strategy and objectives, including growing diverse leaders and collaboration; inspiring broad perspectives and innovative client solutions; and fostering an inclusive, accessible, and vibrant workplace. She will work closely with KPMG’s leadership teams to advance its inclusive and diverse culture, which has earned the firm recognition as a top workplace by FORTUNE magazine, DiversityInc, Working Mother, and The Human Rights Campaign.”

Prior to joining KMPG, she was the chief diversity and inclusion officer at Akin Gump Strauss Hauer & Feld LLP. She also served as vice president and counsel and then chief diversity officer at Prudential Financial.

Meyer-Shipp holds a Juris Doctorate (J.D.) degree from Seton Hall University School of Law and a Bachelor’s degree from Rutgers University. She sits on several professional boards and organizations including Twitter’s Inclusion Advisory Council, Working Mother Media’s Multicultural Women’s Advisory Board, the National Organization on Disability Board, and the Center for Talent Innovation Diversity and Inclusion Council.

“Companies with inclusive and diverse cultures are better positioned to adapt, grow, and thrive – and we take great pride in embedding these values into our programs and actions,” said Darren Burton, KPMG’s Vice Chair of Human Resources via a press release. “Our national diversity networks engage nearly half of our 30,000 people in professional development, mentoring relationships, and community service activities. Michele’s skills and experience will help us continue to enhance our efforts to recruit, develop, and retain diverse talent.”

 

 

 

The post On the Move: KPMG’s New Diversity Chief, Michele Meyer-Shipp appeared first on Black Enterprise.

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Black New Yorkers Should Be Wary Of Amazon’s Move to Queens

Jeff Bezos comes across as your typical white, progressive billionaire. He’s brilliant, business savvy, and uses his whopping wealth to support liberal causes — sometimes. So on the surface, the announcement that his company, Amazon, is building a second headquarters in Long Island City (LIC), a neighborhood in the New York City borough of Queens, would seem like a good thing. For one, this means Amazon will bring 25,000 jobs to New York and help fuel the city’s local economy. But who will really benefit from this move? Let’s break it down.

The Promise

Amazon says the average salary of workers at its new headquarters (HQ2) will be $ 150,000. However, there’s no guarantee or stipulation in the deal stating that those jobs will go to locals. Plus, given the tech industry’s poor track record in diversity, there’s good reason to be skeptical about the number of people of color who will actually fill those six-figure income positions. On the other hand, administrative assistants and maintenance staff workers will earn much less, and, as a result, won’t be able to afford to live in LIC, where one-bedroom apartments in an older building rent for more than $ 2,000 a month, while rents in LIC’s new towers cost over $ 3,000 a month.

As part of the deal, Amazon will hire union construction workers to build its offices. The tech giant also promises to host events at the nearby Queensbridge Houses, the largest public housing projects in the nation. Such events include job fairs and resume workshops along with a workforce development program. It’s commendable, but it turns out that New York taxpayers will be funding the majority of these initiatives. According to the agreement, Amazon will invest $ 5 million in the programs, while $ 10 million will come from the city and state revenue. Furthermore, Queensbridge tenants deserve more than vague promises of job fairs that won’t necessarily equip them to compete for Amazon’s lucrative jobs.

The global behemoth also vows to hire women and contract minority-owned businesses, but, again, there are few specifics about the exact investments.

The Reality

The announcement that HQ2 will be built in New York sparked a frenzy of backlash and protest from residents who live in Long Island City and surrounding neighborhoods who fear that they’ll soon be priced out of their homes. Following the announcement of the deal, real estate speculators began to buy up properties, which is going to increase the rents even more. This also signals an exacerbation of gentrification in the area, which disproportionately hurts black and brown communities. Not only will this likely increase the cost of living within the neighborhood, but HQ2 is also replacing the city’s original plan to build 1,500 affordable housing units.

A similar situation occurred when Amazon built its headquarters in Seattle, Washington, in 2013. Within five years, the influx of white techie bros led to skyrocketing rents and home values and accelerated a homelessness crisis. To make matters worse, the trillion-dollar company was instrumental in killing a tax on businesses that would have been used to generate revenue to combat the epidemic.

On top of that, the New York deal was configured in secrecy without public input. As a result, New Yorkers had no say on the fact that the state and city handed Amazon a $ 2.8 billion incentive package to lure it to the Big Apple. That’s billions of dollars in subsidies that could have otherwise been invested in public schools, public housing, or the city’s crumbling mass transit system.

New York boasts a population of 8.6 million. Only a small percentage of city dwellers and transplants will land high-income jobs at HQ2. Meanwhile, for the rest of us — good luck ever finding a seat on the 7 train, while Bezos flys high in a tax-funded helipad.

For more on how Amazon’s HQ2 will impact New York City, click here.

 


The ideas and opinions expressed in this article are solely those of the author’s and not necessarily the opinion of Black Enterprise.

The post Black New Yorkers Should Be Wary Of Amazon’s Move to Queens appeared first on Black Enterprise.

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UK’s largest housebuilder calls on lawmakers to move forward with Brexit and stop the uncertainty

Brexit uncertainty is "unhelpful" for those seeking to buy a home, the CEO of the U.K.'s largest housebuilder by volume told CNBC Thursday.
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Nattie Neidhart’s Eulogy For Late Father Jim “The Anvil” Neidhart Will Move You to Tears

Nattie Neidhart, Total Divas 810Saying goodbye is hard to do.
On Wednesday’s season finale of Total Divas, Nattie Neidhart and her family laid Jim “The Anvil” Neidhart to rest. According to the Total Divas…

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Elon Musk says there’s a 70% chance he’s going to move to Mars

elon musk mars

Elon Musk wants humans to make it to Mars. With his company SpaceX at his back, he’s pushed forward with some incredibly bold claims about what is possible for mankind on the Red Planet. He’s shown off concepts for Mars settlements and even called out scientists who say climate engineering on the planet is impossible.

Now, in an interview with HBO’s Axios, Musk doubles down on one of the more off-the-wall claims he’s made during his years in the spotlight. Mars, he says, will be his eventual home, and he estimates his odds of moving to the planet at a generous 70%.

Continue reading…

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Elon Musk says there’s a 70% chance he’s going to move to Mars originally appeared on BGR.com on Tue, 27 Nov 2018 at 00:09:19 EDT. Please see our terms for use of feeds.


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The best way to pick yourself up and move forward after a lousy performance review

It can be difficult to pick yourself up after a lousy performance review, but having the right outlook is key to success. Here are tips on what employees should do the day (and weeks) following their review to start down the path toward improvement. 
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Major Averages Turn Mixed After Early Move To The Downside – U.S. Commentary

After falling sharply early in the session, stocks have staged a recovery attempt over the course of the trading day on Thursday. The major averages have bounced well off their lows of the session, with the Nasdaq and the S&P 500 climbing into positive territory.
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LeBron James’s Dunk, Tyson Chandler’s Crucial Block See Lakers Move Into Eighth Seed

Tyson Chandler’s worth to the Lakers was on full display once again as his decisive block and LeBron’s go-ahead dunk saw the Lakers win their third straight game and move into the West’s No. 8 seed. 

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Video Shows Dad Shoving Kid in Hilariously Ruthless Soccer Move Because Victory Is the Only Option

It’s hard for adults to stand on the sidelines while tiny children attempt to play their favorite sports. For a perfect example of this, check out this video of an adult turning a child into a goalkeeper, whether they wanted to be one or not.

The video shows a determined soccer dad turned very enthusiastic goalkeeper coach, showing the world what a true enthusiastic sports dad is like. The video was shot at what was reportedly an under-8 game (meaning all players were under eight years of age) between Bow Street Magpies FC and Ysgol Llanilar FC in Wales.

In the video which was shared on Twitter, the father sees the ball coming towards the goal, sees his child not see the ball coming towards the goal, and springs into action. He had apparently decided that the most efficacious course, besides blocking the shot himself, was to knock the tiny goalie over. That sent the kid flying into the path of the soccer ball, preventing the goal. It was an effective if somewhat ruthless move that resulted in a good save.

While the video cuts off before the match referee can decide if this move would be allowed, in the end it didn’t really matter. A player on the opposing team seized the opportunity for a rebound and kicked the ball in the net while the goalie was still sprawled on the ground and undoubtedly questioning whether or not they should tell their mother what just happened.

Watch out, World Cup, a new goalkeeper (and his dad) could be coming your way.

Sports – TIME

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With the election done, expect Mueller to make his move

When the smoke from the midterm election clears, one thing is certain: You will be seeing the name of Robert Mueller a lot more than you have for the past two months, no matter whether the Democrats manage to take the US House or not. For one thing, Mueller has kept himself and his investigation…
Opinion | New York Post

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Stocks Move Sharply Higher On Optimism About Trade Talks – U.S. Commentary

After initially showing a lack of direction, stocks moved sharply higher over the course of the trading session on Thursday. With the gains on the day, the major averages extended the strong upward move seen over the two previous sessions.
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S.T. Dupont Plots Move Into Watches

NICK OF TIME: Mounir Moufarrige, recently elevated to chairman of S.T. Dupont’s supervisory board, is eager to have the luxury lighter and pen specialist move swiftly into lucrative new categories. Watches are to debut early next year in France, the U.K. and Hong Kong, and Moufarrige said he’s lining up several celebrity pitchmen with huge social media followings. Women’s handbags are up next for the Paris-based company, which had first tested the category in 2011. It also makes an array of men’s leather goods. Moufarrige had previously been vice chairman at S.T. Dupont and succeeds Sharon Flood.
A serial entrepreneur involved in a slew of fashion and luxury firms, Moufarrige revealed he’s also a shareholder in Designer Parfums, which recently sold a majority stake in Jean Patou to LVMH Moet Hennessy Louis Vuitton, which plans to introduce ready-to-wear and accessories under former Nina Ricci and Carven designer Guillaume Henry, as reported. Designer Parfums markets fragrances for the likes of Worth Paris, Ariana Grande, Porsche Design and Naomi Campbell.

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Amgen cuts price of cholesterol drug by almost 60%, echoing rival’s move

Biotech giant Amgen is lowering the price of its cholesterol medicine Repatha by almost 60 percent, following a similar move from its competitor, after both drugs failed to meet sales expectations.
Health and Science

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Weekly mortgage applications fall 1.7% as interest rates move above 5%

Extremely weak demand for mortgage refinances has been driving the overall drain on mortgage lending. Refinance volume fell another 3 percent last week and was 32 percent lower than a year ago.
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Why Investing in Black Women’s Art is a Power Move

The social climate has always impacted the art world. Currently, women’s issues are at the forefront of politics and social justice; in turn, the art industry is affected—particularly its women. Research conducted by the National Endowment for the Arts found women artists, who account for 51% of all visual artists, make only $ 0.81 to every dollar earned by their male counterparts. This data matches, eerily, the national gender wage gap reported by the Bureau of Labor Statistics and speaks sorely to the sign of the times.

However, on the flip side of grossing significantly less than men, women are having a profound influence on art sales, breaking records now more than ever. According to the New York Times, “last spring in New York, auction sales records were shattered for the works of 15 female artists.” Among them, artist Cecily Brown’s sale topped the bunch at $ 6.6 million. Of the group, only two women were black—Lorna Simpson and Xaviera Simmons—whose sales came in unsurprisingly lower at $ 350,000 and about $ 30,000.

black women artists

Xaviera Simmons, “A Country Built On Free Labor.’ Print (sothebys.com)

 

But even a few black women realizing success at the auction level is a major inspiration for others.

“I celebrated when I read that Lynette Yiadom-Boakye’s portraits of black figures sold for a total of $ 2.5 million last year and Njideka Akunyili Crosby reached $ 3.4 million earlier this year,” expresses Tracy Murrell, an Atlanta-based artist. “I am a huge fan of both artists and to see the work of black bodies by black female artists at that level of the art world is symbolic validation that there is a place in the high-end art world for what I create.”

Traditionally, a lofty auction sale results in an increase of value for a given artists’ work and their visibility as well as the opportunity to exhibit in art institutions and become part of their collection. So  this news should have a trickle-down effect: recognition and an uptick in sales for other women artists. At least that is how it worked for white male artists throughout history. However, along with gender disparity, race disparity is reflected in the art market.

Artnet performed an analysis which explores how African American artists fare financially at auctions using the volume of sales. It was discovered black art sales at auctions are on the rise, yet “of the contemporary American artists selling for over a million dollars at auction, a mere one-tenth are black,” and of the top 100, only two are women—Kara Walker and Mickalene Thomas.

The upside is that the disparity makes it a good time to consider a serious investment in women’s art— and particularly black women’s art.

black women artists

Lorna Simpson, ‘Ultra Blue.’ Mixed Media (mutualart.com)

 

This is where art collectors and enthusiasts can effect change. Aside from the personal financial gains, investing in black art establishes greater market value for an otherwise underrecognized demographic and contributes to the black economy. Lauren Harris, gallery manager and curator for Zucot Gallery explains:

“Investing in art created by black women is something we all should be doing. There are two main reasons: our narratives and our worth.”

“In my 10 years of being in the art world, black women have had the truest and most unapologetic voice personified in their art,” Harris says. “From Lorna Simpson to Kara Walker and more recently Njideka Akunyili Crosby and Simone Leigh, black female artists break the mold, driving ‘cultural shifts’ in the market.”

If you’ve been considering investing in art created by black women, Harris suggests the timing is right:

“Now that artwork by black women are ‘trending’ in the mainstream art world due to high sales at auctions and acquisitions by notable collectors, there can come a time when their work is less attainable. The same way Amy Sherald shot to fame after being revealed as the artist behind former FLOTUS Michelle Obama’s portrait for the National Portrait Gallery, can apply to the many working professional black female artists from all over.”

Harris warns: “Invest now, so you won’t be sorry later.”

The value of art is typically stable; the average annual return on art investments is +7.6%, according to Artprice. And if that doesn’t get your coins twerking, check these five black women artists for motivation:

black women artists

Samella Lewis, ‘Field Hand.’ Watercolor on paper (Pinterest)

 

black women artists

Beverly Buchanan, To ‘Prudence Lopp,’ Mixed Media (nyartbeat.com)

 

black women artists

Tamara Madden, ‘Vanquisher,’ Acrylic on canvas (Pinterest)

 

black women artists

Tracy Murrell, ‘For Sloan,’ Mixed Media (tracymurrell.com)

 

black women artists

Deborah Roberts, ‘Not on me,’ Collage (deborahrobertsart.com)

 

black women artists

Harmonia Rosales, ‘The Virgin,’ Mixed Media (harmoniarosales.com)

Harmonia Rosales, ‘The Virgin,’ Mixed Media

On Thursday, Oct. 4, Swann Gallery, which is one of the only major auction houses for African American artwork, is holding their autumn auction. This is a fine time to get in on investing in fine art from artists ranging from Thelma Johnson Streat to Elizabeth Catlett. Bidding starts at 2:30 p.m. ET. You can attend in-person or livestream on the gallery’s website.

The post Why Investing in Black Women’s Art is a Power Move appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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