Do Professionals Like Lawyers Need a Nice Car?

Several years ago, we had a great discussion on whether you should buy a fancy car to impress clients — and we figured it’s time once again to ask for your opinions: Do lawyers need a nice car? Or do you feel like saving money on a car is a smart move that lets you put money toward other things, get out of debt, retire early, etc? Legal eagles aside — if you’re a well-paid professional and can have your pick of cars, are there certain cars you should avoid because they make clients, opponents, or subordinates question some aspect of your professionalism?

(In addition to our original discussion on fancy cars, over at CorporetteMoms we talked about how to choose the best family car — and our most recent Personal Money Snapshot generated an interesting discussion on whether to buy a new or used car. The “buying vs. leasing” decision, which Kat touched on in our original post, may deserve its own post!) 

So, let’s chat! We’ve rounded up a few car-buying strategies that readers shared in the comments on that 2012 post — and they make us suspect that the answer many readers would give to the question “Do lawyers need a nice car?” would be “Not really.” Chime in with your thoughts — and if you drive regularly, tell us what your regular ride is… 

Reader strategy #1: Know your firm

  • If you want to buy a car before starting a new job, consider waiting until you’re familiar with the culture at your new employer. One reader’s red Audi A4 fit in just fine at one firm, but at her next one, it stood out among her colleagues’ old beaters and family cars — and not in a good way. Another commenter said that her husband’s employer, a company known for conservative financial management, doesn’t allow luxury cars in employee lots for fear of investors getting the wrong idea.
  • If you’re relocating and want to get a car, realize that different parts of the U.S. (or, of course, different countries) have their own judgments and stereotypes — so try to get a handle on things first. Some readers in certain areas have encountered negative comments about people who drive hybrids, for example.
  • Know your firm … but then do what you want! A couple of readers offered the “damned if you do, damned if you don’t” viewpoint: Someone’s going to judge you no matter what car you have, so you might as well get what you want.

Reader strategy #2: Consider the impression a luxury car makes 

Commenters shared a few things to think about when considering an expensive/flashy car:

  • If you’re right out of law school, buying a luxury car could give the impression that you don’t really “need” the job. (Shades of our conversation about Birkin bags at work, as well as engagement rings and interviews…)
  • One reader who works in family law noted that when she upgraded from a practical Ford Escort to a new-to-her Audi, her clients started to wonder if they were paying her too much. When she got tired of pricey repairs, she switched to a lower-profile car — a Toyota Corolla — that didn’t give that impression.
  • Another reader pointed out that partners may interpret an associate’s purchase of a luxury car as a step toward tightening those golden handcuffs. 
  • Furthermore, even if you’ve got your future all mapped out, realize that life may not turn out that way, and the financial decisions you make today — like buying a fancy BMW or Lexus — could turn out to have an impact you didn’t foresee.

Reader strategy #3: Enjoy a bit of luxury — without a fancy car 

Readers who weren’t interested in a status-symbol type of car said they focus more on car’s interior quality than its exterior impression, preferring to buy a mid-range vehicle and splurge on the options. You won’t have to worry about people making assumptions when they see a high-end car, you can make your commute as enjoyable as possible, and you may have less worry about your car being stolen or vandalized. (I know, I know — the car that’s stolen the most is the humble Honda Civic.) Readers’ examples included the Toyota Corolla and Ford Fusion Hybrid. This Consumer Reports article gives some ideas for nice features, from fast USB charging to heated steering wheels.  

Reader strategy #4: Get the car you want, but buy used

Many readers recommended buying a low-mileage used car that’s one, two, or three years old — and some say they’ll never buy a brand-new one. Commenters cited many advantages, such as lengthy warranties, less depreciation, more affordable car payments, and easier negotiation.

Reader strategy #5: Don’t buy a car unless you have to  

Several readers said they don’t buy a car when they don’t feel they need a new one, instead keeping their ride until it breaks down. (Ten-year-old Volvos happened to be a very popular choice, which isn’t surprising, as they often reach 200,000 miles — and one 1966 model made it to 3,000,000. And that was your random fact for the day.) One reader explained that she drives her car into the ground and then pays cash for a low-mileage used car, depositing a car-payment-amount into savings each month. 

How about you, readers? Beyond your salary/budget, how much do you base car-buying decisions on your employer, career, and location? Do your coworkers make certain judgments about other employees based on what they drive? What reader advice from above do you agree/disagree with? 

Stock photo via Stencil.

The post Do Professionals Like Lawyers Need a Nice Car? appeared first on Corporette.com.

Corporette.com

BEST DEAL UPDATE:

What Black Investors Need to Know about Opportunity Zones

Black investors have historically invested in land to build wealth. Real estate is generally seen as a solid investment because property values typically rise over time. Property can be passed from one generation to another; used to diversify an investment portfolio; and is considered less risky than the stock market. Now, there is a new option for blacks to become investors and receive tax breaks with a new real estate asset class: Opportunity Zones.

Opportunity Zones are low-income areas the U.S. Treasury classifies as “qualified opportunity zones.” Investors can make these asset investments through Qualified Opportunity Funds.

The investments are geared to accelerate economic development in almost 9,000 designated areas in America and Puerto Rico, says tax attorney Steve Moskowitz, a founding member of the San Francisco-based tax law firm Moskowitz L.L.P.

Opportunity Zones were added as part of the 2017 Tax Cuts and Jobs Act. They allow investors to defer tax on any capital gains until 2026 and avoid a capital gains tax on the sale of an Opportunity Zone. Those funds are then invested in property and businesses located or operated within the designated QO Zones.

What Exactly are Opportunity Zones?

According to the Economic Innovation Group, the 2017 tax provision provides “a tax incentive for investors to re-invest their unrealized capital gains into dedicated Opportunity Funds.” African American Sen. Tim Scott (R-S.C.) played an integral part in including the zones in the tax law.

The ante is high as there is a massive amount of capital gains that could be invested in Opportunity Zones. Based on estimates that U.S. households and corporations possess over $ 6 trillion in unrealized capital gains, some officials contend that the program has great potential to trigger an influential change in distressed communities.

Even if a portion of that amount of money was committed, it could possibly mean billions of dollars for poor areas across the country. That is because the program is specifically designed to increase economic opportunity by incentivizing new development in low-income urban and rural areas, says Leslie Anderson, president and CEO of the New Jersey Redevelopment Authority (NJRA).

opportunity zones

Leslie A. Anderson, executive director, NJRA

The NJRA is a multimillion-dollar independent financing New Jersey authority created to transform urban communities through direct investment and technical support.

In New Jersey, where the NJRA is based, many of these designated neighborhoods are predominantly black and have suffered from systemic inequality, Anderson says.

How Low-Income Communities Could Benefit

Anderson says Opportunity Zones give residents in these communities a chance to benefit in several important ways. First, the program can create new development with the potential to generate increased employment opportunities, more affordable housing, improved property values, and more comprehensive and higher quality services.

Unfortunately, without incentives, Anderson says investors often see low-income areas as too high-risk, making it very difficult for needed projects to attract the capital necessary to move forward.

“Opportunity Zones offer investors an incentive to invest in projects that can help to redevelop and transform these neighborhoods,” explains Anderson.

Yet, concerns remain from community advocates who feel the program could create gentrification pitfalls in some neighborhoods populated by low-income residents and minority groups.

For instance, these advocates foresee rising prices for housing or other new real estate development in targeted Opportunity Zones forcing current residents to leave those areas.

Anderson says she understands those concerns as does New Jersey Gov. Phil Murphy and Lt. Gov. Sheila Oliver. She says that New Jersey created an inclusive process that intentionally engages the communities that have been designated as Opportunity Zones.

The governor’s office is holding a series of community forums to educate residents and local businesses, answer questions, understand community needs, and address concerns.

Additionally, the NJRA will meet with local mayors to advise them on leveraging Opportunity Zones to generate projects that directly impact the people who need them most.

Anderson says the NJRA has used its financial resources to leverage nearly $ 4 billion in new investments, helping to redevelop some of New Jersey’s most economically challenged neighborhoods.

“We are also working to ensure that community-based organizations and existing businesses are full participants in the local implementation of the program and can partake in development opportunities.”

Another issue the NJRA is addressing is one of investors mainly focusing on larger cities to the detriment of smaller urban areas.

“We are making a major strategic push to help investors understand the value and importance at looking at all of the designated zones in the 75 municipalities in the state of New Jersey,” Anderson says.

The NJRA, in partnership with the Governor’s Office and the Department of Community Affairs (DCA), recently launched a website that serves as an online mapping tool and a comprehensive resource for residents, local governments, and potential businesses and investors.

Information for Black Investors and Taxpayers

Black investors looking at Opportunity Zones may do well to ponder these questions:

How does one become an Opportunity Zone investor?

Is there a minimum amount of income or capital gain from the sale of stock or other assets they must have to become such an investor?

In order to invest in an Opportunity Zone, Anderson says an investor must create a Qualified Opportunity Zone Fund, which is any investment vehicle organized as a corporation or partnership with the specific purpose of investing in Opportunity Zone assets.

The fund must hold at least 90% of its assets in the qualifying Opportunity Zones property.

Any tax-paying individual or entity can create an Opportunity Fund, through a self-certification process, which is an IRS form submitted with the taxpayer’s federal income tax return for the taxable year.

Anderson says it is important for black investors to know that they can pool their resources and form a Qualified Opportunity Zone Fund, something the NJRA can assist with.

If you are interested in how such an investment may impact your portfolio and taxes, contact a tax attorney and also get more information here.

The post What Black Investors Need to Know about Opportunity Zones appeared first on Black Enterprise.

Money | Black Enterprise

FASHION DEAL UPDATE:

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

The brilliant alternative festivals you need to know about

Whether you’re a coffee drinker, dog lover or yoga pro

best alternative festivals 2019
Credit: Balance Festival

Looking for the best alternative festivals 2019 has to offer?

This year we’re being treated to a calendar of brilliant events for absolutely everyone – no camping in a muddy field necessary.

Whether you love dogs, coffee, yoga or vegan food, there are lots of alternative festivals 2019, and you won’t want to miss them.

Alternative festivals 2019

So where do we start?

Balance Festival – London

best alternative festivals 2019

Credit: Balance Festival

What is it?

Balance Festival cherry-picks the country’s top boutique studios, delicious food and drink suppliers, expert trainers, yogis and wellness and athleisure brands to join forces under one roof. Expect high-octane workouts from the likes of KXU, BLOK, Another_Space, Third Space, Barry’s Bootcamp, F45 and UNIT, as well as the chance to try some delicious food and meet like-minded gym bunnies.

If you’re partial to a bit of yoga, you’ll be excited to know that there will be a FLOW yoga studio for you to settle into savasana. Sessions are free to festival goers and include some big names in the biz, from Patrick Beach to Marc Hatvani.

When is it?

10th – 12th May 2019

Where is it?

The Old Truman Brewery, Brick Lane, London.

How much is it?

Standard Admission tickets to Balance Festival are priced from £24.50 for day tickets and from £50 for VIP day tickets. Weekend entry is currently priced at £90.

Buy tickets 

VegFest – Brighton  

What is it?

The festival has been set up for people to celebrate and enjoy all things vegan – there will be 230 stalls selling their wares, from vegan meats, cheeses, chocolates, cakes, alcohol, supplements and sauces, to clothing, footwear, bags, cosmetics and jewellery.

Expect talks on various vegan-related talks on fitness and health as well as cookery demos, an art exhibition, live music, comedy and panel discussions.

When is it?

23rd – 24th March 2019

Where is it?

The Brighton Centre, King’s Road, Brighton 

How much is it? 

Advance day tickets are £8. Weekend Tickets are £13.20. On the door day tickets are £10.

Buy tickets

OM Yoga Show – Manchester 

best alternative festivals 2019

Credit: OM Yoga Show Manchester

What is it? 

Whether you’re a beginner or a yoga pro, the OM Yoga Show is the chance to immersive yourself in all aspects of the ancient practice. From free open classes and workshops to over 100 exhibitors – showcasing yoga accessories, clothing, jewellery, super food and retreats – there’s something for everyone.

Soak up the atmosphere and get ready to perfect your crow pose. 

When is it?

11th – 12th May 2019

Where is it?

EventCity, Phoenix Way, Off Barton Dock Road, Trafford City, Manchester

How much is it?

Day tickets £7.50, two day tickets £12.50. OM Yoga Ticket bundles, including entrance, 1 year subscription to OM Yoga & Lifestyle magazine, and a goody bag £39.99.

Buy tickets

Dogstival – Hampshire

best alternative festivals 2019

Credit: Dogstival

What is it?

This is the ultimate festival for you and your pooch. With everything you would expect from a great dog day out, the event will bring dogs and dog lovers the Dogstival Display Arena, the Dog House Behavioural Stage, Get Your Paws Involved Activities, K9 Aquasports Pool, Canine Chill Out Den, live music, artisan food and drink, a Vintage Fun Fair and Pylewell House’s dog-friendly beach.

When is it?

18th – 19th May 2019

Where is it?

Pylewell Park, New Forest, Hampshire

How much is it?

Adult one day admission costs £15.44, and a child ticket costs £9.11 (includes booking fees).

Buy tickets

The London Coffee Festival – London

best alternative festivals 2019

Credit: The London Coffee Festival

What is it?

The annual festival will welcome coffee-lovers from all over the world to taste some of the finest artisan coffee from burgeoning start-ups, industry pioneers and long-established companies.

Over 250 exhibitors are expected to join the celebration for a jam-packed schedule of coffee tastings, espresso martinis, workshops, latte art and showcases from world-class baristas, all to the soundtrack of live DJs and musicians.

When is it?

28th – 31st March 2019

Where is it?

The Old Truman Brewery, Brick Lane, London.

How much is it?

Standard admission is £18.50, VIP admission is £30 and includes entry to the secret garden, a coffee cocktail token and fast track entrance. Full weekend admission is £90.

Buy tickets

So which of these alternative festivals 2019 will you be going to this year?

We’ll be attempting to go to them all.

Especially the one with all the dogs…

The post The brilliant alternative festivals you need to know about appeared first on Marie Claire.

Marie Claire

BEST DEAL UPDATE:

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

Everything to You Need to Know About the 2019 CFDA Awards

The Council of Fashion Designers of America has released its list of nominees for the 2019 CFDA Awards, which includes a number of prominent and emerging American designers.
The nominees were announced during a week that also saw the appointment of Tom Ford as the CFDA’s new chairman. Ford will replace Diane von Furstenberg, who served for 13 years.

Tom Ford 
Matt Baron/REX/Shutterstock

Every year, the CFDA Awards honors American fashion in women’s wear, men’s wear and accessories in addition to other fields relevant to the industry. From standout fashion moments — who can forget Rihanna’s barely there Swarovski crystal dress? — to celebrating emerging designers, the CFDA Awards serves as one of the biggest nights in fashion.

Rihanna at the 2014 CFDA Fashion Awards in New York, June 2014. 
BFAnyc.com/REX/Shutterstock

From the full list of nominees to Ford’s new role as chairman, here is everything you need to know about the 2019 CFDA Awards.
When and where are the CFDA Awards?
The awards will be held on June 3 at the Brooklyn Museum in New York.
Who is the host?
The CFDA has yet to announce its host for the awards. This post will be updated when the host is revealed.
Who is nominated for Womenswear, Menswear and Accessory Designers

Follow WWD on Twitter or become a fan on Facebook.

Read More…
WWDWWD

BEST DISCOUNT ONLINE:

Doctors Need To Talk Through Treatment Options Better For Black Men With Prostate Cancer

African-American men have the highest risk of being diagnosed with prostate cancer as well as dying from it compared to any other ethnic group in the U.S. This trend has remained unchanged for over four decades.

Although research has focused on identifying the biological differences that may lead to this difference, there’s growing evidence that distinct racial and ethnic disparities in prostate cancer treatment, and the quality of medical care in African-American men, contribute to this disparity.

African-American men are less likely to receive more aggressive treatments than their counterparts. And, if and when they do receive those treatments, they receive them later than their counterparts. For example, access to early effective survivorship treatments such as androgen deprivation therapies remains a challenge in African-American patients.

Our multidisciplinary research program in cancer population science at the University of Virginia has been examining reasons for poor prostate cancer outcomes, especially in African-American patients. Recent, as yet unpublished research from our group highlights several issues related to medication challenges in elderly prostate cancer survivors. We found there is a clear link between improved use of these treatments and reduced mortality. In addition, both access and use of these life-saving treatments remains low among African-American survivors.

A history of gaps

African-American prostate cancer patients face unique challenges in the treatment decision-making process. These include lower rates of understanding of treatment options, less time and interaction with medical care professionals and, often, poorer quality of medical care. Those challenges particularly affect both their access and compliance to medications, and, in turn, outcomes in these patients.

For example, a 69-year-old African American man whom we interviewed for our research, Mr. Tyler (name changed), along with his wife, Mrs. Tyler, sat in an exam room while his doctor told him he had stage 4 prostate cancer. Stage 4 cancer is cancer that has spread from its original site to distant organs and, in prostate cancer, even the bone.

Mr. Tyler was shocked. He had not noticed any health issues besides getting up in the middle of the night to urinate and some hip pain. He thought that was normal as men age. When he went to the clinic, he thought he had arthritis in his hip and would be prescribed pain medications for that. He could not imagine hearing that he had cancer.

He had not been to see a health care provider in about 12 years. He was always so busy at work and did not really feel comfortable going to a health care provider, having heard stories from family members and friends that other African-Americans are not treated well at the hospital.

The doctor gave Mr. Tyler a few options such as surgery, radiation and androgen deprivation therapy, considering his age, ethnicity, comorbidities and other related factors. But Mr. Tyler and his wife did not know what treatment options to seriously consider.

The health care provider gave a recommendation, but his wife was unsure. They were confused and anxious about making such a big and complex decision. The couple relied on information they received from speaking to friends, church members and relatives and ultimately made a decision, but it was not easy. And, it was not free from some regrets. Ultimately they chose to receive the radiation treatment and start the androgen deprivation treatment, which Mr. Tyler stopped because of discomfort. Mr. Tyler unfortunately died shortly after he discontinued treatment.

Treatment decision process improvements may be paramount

This scenario of confusion and anxiety is not so uncommon. Cancer is a terrifying diagnosis, and making decisions about treatment can be overwhelming.

Studies have suggested that patients with cancer feel more comfortable expressing their concerns with their health care provider when there is a trusting and supportive relationship developed along with adequate time for treatment discussion. This in turn leads to more comfortable treatment decisions, which often works to improve patient outcomes.

Prostate cancer treatment in particular often brings harsh side effects that severely affect a man’s quality of life. These side effects include erectile dysfunction, hot flashes, muscle loss, hair loss and urinary issues such as incontinence. These may be short term, but they can last for years.

The matter is complicated because many of these harsh side effects stem from androgen deprivation therapies, which can improve survival. Because of the complicated nature of assessing the risk of side effects with the potential benefit of survival, the use of androgen deprivation therapies should carefully be considered by the patient and his doctor.

Research has shown that these treatment-related decisions are very different in African-American prostate cancer patients compared to white patients and those residing in urban and rural communities. Therefore, there is a need to study treatment decision-making in both settings to formulate effective educational interventions.

Aids that can help

In one of our recent studies, we found that decision aids may help. Decision aids are electronic or paper tools involving a set of questions and information related to treatments. They are used to assist patients and caregivers in making informed decisions about the types of treatments and procedures, or both, that are more suitable for their particular case.

Decision aids are effective in a shared decision-making process, in which the doctor or nurse navigator sits down with a patient and walks through the process. There is active participation between the patient, caregiver and health care provider.

Decision aids can help patients apply specific health information while actively participating in health-related decision-making. Primarily, decision aids that have been applied to prostate cancer have been focused on knowledge or treatment options only, which patients often complete themselves. These types of decision aids are quite limited and do not allow patients the time and true engagement with health care providers to really understand their disease and the options that are available, and ultimately become satisfied with that decision.

Decision aids are most effective when they are tailored to the individual patient, rather than being generic. For example, researchers have developed an individualized decision support system BreastHealthDecisions.org, which represents a new approach to breast cancer prevention care.

In our study that developed an interactive decision aid for treatment decisions among advanced prostate cancer patients, we found that not only did the decision aid enhance patients’ and their caregivers’ understanding of the options that they had for treatment, but it also built more trust and engagementbetween the patient and the health care provider, which is valuable. The study also revealed that by using the decision aid, patients were more concerned with the quality of their life after treatment than extending the number of years of life.

Developing decision support systems for prostate cancer is paramount as we move towards an era of precision medicine treatments, such as proton therapies, which are used only after decision support system plans are in place for the prostate cancer survivor.

Often, the conversations between health care providers and the patient are focused around the quantity of life. The patients in our study said they felt empowered enough through the use of the decision aid to discuss quality of life, and how that was a critical aspect within their conversations.

There is much work to do to provide optimal health care to patients with cancer, including African-Americans with cancer. Tailored decision aids that focus on the priorities of the patient and their caregivers and that promote trusting relationships with health care providers is key to helping patients feel satisfied with their health care decisions and have less regret.

HEAD BACK TO THE BLACKAMERICAWEB.COM HOMEPAGE

Life & Style – Black America Web

BEST DEAL UPDATE:

10 Outdoor Spots in Need of Spring Cleaning

Spring has (almost) sprung, which means that warmer days, blooming flowers, and singing birds are just around the corner. It also means that the ravages left behind by winter are on full display, and that mud, leaves, and other debris have turned the exterior of your home into an unsightly mess. So, as you get started on spring cleaning, don’t forget to tend to the outside of your house too. Here are 10 outdoor spots that could use some special attention now that the worst of winter is behind us.
Bob Vila : Trusted Home Renovation & Repair Expert

BEST DEAL UPDATE:

We need to fix NYC’s school discipline policy as soon as possible

The current implementation of Department of Education policy on in-school suspension is not effective in addressing school discipline and safety in our public schools. While many advocates are proponents of the Positive Behavior Interventions and Supports system, both funded and advanced by the US Department of Education’s Office of Special Education Programs, there must be…
Opinion | New York Post

SPECIAL SHOE DISCOUNT:

Everyday Savings: Up to 40% Off on over 2,000 Styles at DSW! Shop Now!

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

You can still get vaccinated.
ABC News: Health

SPECIAL NEWS BULLETIN:

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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

SPECIAL DONATION REQUEST UPDATE:

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

Here’s Why You Need To Keep An Eye On These Biotech Stocks

The clinical trial results of a drug company can impact its stock price depending upon the outcome – and more so if it is a small-/mid-cap biopharma stock. A keen understanding of the target timeline of the clinical trials will help trade biotech stocks with some margin of safety around the catalyst events.
RTT – Top Story

BEST DEAL UPDATE:

Opinion: I need Wendy Williams on TV even if I sometimes pretend I didn’t hear her

Opinion: I need Wendy Williams on TV even if I sometimes pretend I didn’t hear her


Opinion: I need Wendy Williams on TV even if I sometimes pretend I didn’t hear her

After returning to her daytime talk show after a lengthy hiatus, author Michael Arceneaux discusses his never ending love for Wendy Williams—even when she says something that makes him turn off the TV.

I know exactly what I am getting with Wendy Williams—gossip (which, in some cases, I end up fact checking in real time), or unfiltered opinions about race, sex, and gender roles that I either sort of understand or completely want to drown out for the sake of my sanity. Yet I watch The Wendy Williams Show religiously all the same. And earlier this week, Williams knew what her “co-hosts,” the affectionate descriptor for her studio audience, and the millions of viewers watching her daytime talk show at home wanted to hear on her first day back since December.

In the two months since she has been away, Williams has been the subject of both heavy scrutiny and speculation. After noticeably slurring her words on that final episode of 2018, Williams later revealed it was a result of the painkillers she had been using to deal with a fractured shoulder. Then, her return date was pushed back three times, which caused many to wonder if the problem was bigger than it initially had seemed. In the midst of those setbacks came rumors that Williams was “scared” of losing her successful series. Worse, her husband, Kevin Hunter, had been accused of physically abusing Williams—allegedly causing the recent injury she had complained about on-air.

In the first few moments of her Monday episode, Williams teased the irony of the Hot Topics maestro becoming a hot topic herself—but she made us wait for that segment, opting instead to go into her usual routine.

As for her anecdotes, we learned that, even while away, Williams was working out seven times a week for two hours—presumably a nod to her gay fan base who work out at the same minimum and constantly make me regret any consumption of carbs. And she sort of dabbled into more serious matters—like the American healthcare system—acknowledging her privilege and the great medical care it provides. As for the rest of us, with whom she empathized, Wendy acknowledged that even if we have healthcare, we might be afraid to use it. So, if that applies to you, or if you have no insurance and a problem becomes impossible to ignore, Wendy suggested that we try Ambicare. “It’s not all just gunshots in there,” Williams explained. (That ought to be packaged into one of their commercials, TBH.)

View this post on Instagram

I love you for watching!

A post shared by Wendy Williams (@wendyshow) on

Oh, how I have missed this woman. She behaved exactly the way I anticipated her to. I love her consistency.

There were still moments when I, a writer who spends way too much time online, felt like I knew a few more details about a given story than she seems to have been fed by her sources. I felt this way when she discussed the Jussie Smollett controversy.

As her return episode continued, Williams herself mentioned how sometimes audiences might get pissed off by one thing she says and turn her off—only to return three days later. She’s right as I’ve done this every so often, but she’s like an auntie in my mind—I know we don’t always agree, but who else is on television encouraging Kate Beckinsale to keep enjoying Pete Davidson’s younger penis?

I was never keen on The Wendy Williams Show without Wendy Williams. There were some bright spots in the slew of hosts who filled in for her—Nick Cannon, Sherri Shepherd, and Bevy Smith to name a few—but there’s only one person who can pull off this show completely because it is tailored to her very specific personality and point of view.

There is an intimacy to daytime television—that’s why the likes of Ellen DeGeneres and Wendy Williams have fared better than, say, Bethenny Frankel and Harry Connick Jr. I have been listening to Wendy Williams on the radio since college and followed her to daytime TV, so a fill-in can only go so far.

“I’m sorry it took me almost 50 days,” Williams acknowledged. “I know it’s been a long time. I’m sorry, but I can say, it’s not going to happen anymore, and I feel good!”

I needed her messy ass like I needed air, and obviously, “messy ass” is a compliment in this instance.

Speaking of mess, when your career is largely built on touching on the messy lives of others, then people are going to expect you to address whatever gossip spurs from your own life. So Williams did just that near the end of Hot Topics.

Noticeably looking down before doing so, Williams began with a shout out to her husband. “I know what you’ve been seeing and I know what the streets have been talking about,” she said. She went on to show an old picture of the two before eventually adding, “I’m still very much in love with my husband.” She next advised that folks not “ask me about mine” until they notice “this”—pointing to her wedding ring—gone. Despite expressing that “marriages have ebbs and flows,” she emphasized that when it comes her wedding ring, “It ain’t going anywhere. Not in this lifetime.”

This explanation has received mixed reviews online, but I’m honestly surprised she said anything. Whenever she’d previously address talk of infidelity in their marriage, she would only flash her ring. Whatever the case, I wish Wendy Williams nothing but wellness and happiness. And I also hope she keeps her word that she never leaves me alone for this long again.

P.S. I was really into her bob. Yes, I had to note this somewhere. I’d be an awful person if I didn’t acknowledge such a top notch wig.

Michael Arceneaux is the New York Times bestselling author of the newly released book I Can’t Date Jesus from Atria Books/Simon & Schuster. His work has appeared in the New York Times, the Washington Post, Rolling Stone, Essence, The Guardian, Mic, and more. Follow him on Twitter.

The post Opinion: I need Wendy Williams on TV even if I sometimes pretend I didn’t hear her appeared first on HelloGiggles.

HelloGiggles

BEST DEAL UPDATE:

5 Songs You Need to Listen to This Week

This Friday is International Women’s Day, and it comes with a full slate of great songs from female artists. Consider Maren Morris’s sophomore album, aptly titled Girl, and its sassy ode to independence, “Flavor.” Then there’s Norwegian pop star Sigrid, with debut album Sucker Punch stocked with dancefloor favorites — and a few sly, elegant ballads like “Level Up.” Prolific Ariana Grande collaborator Tayla Parx makes a mark on her own in the extremely catchy “I Want You.” And it’s not just the women; this week, the label behind K-pop group BTS launched a new group, TXT, with a promising debut. And Louis Tomlinson, of One Direction fame, has an emotional new solo ballad that remembers his mother, who he lost to cancer.


Entertainment – TIME

ENTERTAINMENT DEAL UPDATE:

Here Are the 13 Best Second Jobs — Plus What You Need to Land One

Are you thinking about taking on a second job?

Sometimes called “side hustles” or “side gigs,” they can be a great way to supplement your income to pay off bills, grow savings and have some extra cash in your wallet. Also, these gigs might lead to opportunities to develop new skills or explore your passions.

But before you sign up for part-time work or dive head first into an independent-contractor gig, you have to think about which side jobs are best for you. With that in mind, here are some tips on how to find the right second job — plus 13 gigs to consider.

How to Find the Right Second Job

Here are some specific questions to ask yourself about a gig and your situation when hunting for a second job.

Will This Gig Interfere With My Day Job?

When searching for the best second job for yourself, make sure it will not cause conflicts with your regular job. The last thing you want to do is get fired from your day job in pursuit of a second job.

Every company is different, and some may have strict guidelines on what you can and can’t do regarding side hustles. Take some time to look through your company’s employee handbook or schedule a meeting with your human resources manager to find out for sure. Once you figure out that you can do a second job, look for ones that can be done during your off hours.

How Flexible Is Your Schedule?

Although you may be able to find a second job that has some schedule flexibility, you also need to be willing to make changes to your personal schedule. This means being willing to do your side gig before or after work or eliminating nonessential activities.

McKinzie Bean, who runs the website Moms Make Cents, recommends recording your schedule for one week to find which events, like bingeing on Netflix on a Tuesday night, you can cut.

“Just see which pieces you’re willing to give up because it is going to take some sacrifice to get to that point where your business is growing,” she says.

Will You Need Additional Training?

When narrowing down your list of potential second jobs, keep in mind that not all gigs will be available right away. Some jobs may require a specific skill certification. Some industries have official certifying bodies that conduct competency tests that allow people to work within a field for a period of time.

If you don’t have a certification needed in your field, factor in some extra schooling or studying before opening up shop.

“They’re looking for reasons to hire candidates,” says Tim Gates, senior regional vice president at Adecco Staffing. “So if they see anything that’s relevant to their industry, to their company, to the specific position, it’s definitely going to help to make that candidate more attractive.”

One way to learn additional skills is by signing up for massive open online courses. These 100% online courses can be completed at your own pace, offering online certifications in personal branding and social media literacy.

Having these certifications shows employers that you have ambition, says Robin Colner, director of Fordham University’s certificate program in digital and social media.

“It shows a desire and an understanding of the marketplace, which every employer wants,” she says.

Where Do You Want to Work?

So, where do you want to conduct your second job? Are you interested in being an assistant in an office, a sales associate in a store, a server in a restaurant or a ride-share driver in your car?

If going to another business after work to do your second job doesn’t sound appealing, then consider looking for a work-from-home job. Check out The Penny Hoarder’s Work-From-Home Jobs Portal for jobs such as customer service associates, part-time English tutors, transcriptionists and much more.

What Are You Looking for in This Job?  

Ask yourself what you’re trying to get out of your side gig. Are you trying to find a second job that pays a lot of money, expands your skills or explores a passion? What if you don’t know what job is best for you?

If you don’t know where to begin, write down your strengths on a piece of paper and what you’re looking for in a second job. This piece of paper can be a reference point to help with in your search to find your marketable skill.

In addition, consult your friends and coworkers to find out what skills they think you excel at. Their observations may help you figure out which job is best for you.

“Until someone else sees that [skill] in you, you don’t realize it’s a unique skill or a skill [other] people are having trouble with,” says Sol Rosenbaum, who runs The Engineering Mentor, a website that helps engineers develop interpersonal skills such as communicating and collaborating.

The Best Second Jobs

If you don’t already have a specific side gig in mind, here are some second-job ideas to consider. These jobs are broken down into categories, including service industry, smartphone apps and work-from-home.

App-Based Gig Jobs

Two english bulldogs on leashes

Thanks to smartphones, app-based gig jobs have risen in popularity in recent years. Companies such as Uber and Lyft, Rover and GrubHub make it easier for people to accept jobs on the fly and work a flexible schedule. Here is a breakdown of some of the more popular gig jobs involving smartphone apps.

1. Ride-share Driver

Turn your car into a taxi on your terms. Try driving with Lyft!

Demand for ride-sharing has been growing like crazy, and it shows no signs of slowing down. To be eligible, you’ll need to be at least 21 years old with a year of driving experience, pass a background check and own a car made in 2007 or later.

We talked to Paul Pruce, who had been driving full-time with Lyft for over a year and earning $ 750 a week as a driver.

Best of all, he could do it on his own time. You can work days, nights or weekends — it’s up to you!

Because it’s easy to switch between apps, Lyft drivers often also sign up to drive with Uber.

2. Grocery Shopper

Not comfortable with driving strangers around? How about picking up groceries instead? Shipt and Instacart are two services that deliver supermarket essentials to a customer’s door. Drivers for the services receive an order, go to the store, pick out the items and drop them off.

Destiny Frith of Nashville, Tennessee, told The Penny Hoarder she earns about $ 600 in a 35-hour workweek as a Shipt shopper.

3. Meal Delivery

Luckily, there are other food-delivery options for people who don’t want to wait in the deli line for someone else’s cold cuts. With meal-delivery services like Uber Eats, Grubhub and DoorDash, drivers will pick up customers’ take-out orders from restaurants and deliver the items to them.

According to Uber Eats, the amount of money drivers earn depends on several factors, such as when they work, demand for deliveries and tips. Drivers earn pickup, drop-off and trip mileage fees. Uber takes a cut of the overall payout, but drivers keep 100% of their tips.

Like traditional Uber, surge pricing can boost your pay during popular times, and Uber’s Instant Pay feature lets you access your pay from trips immediately after they conclude — for a 50 cent fee each time — up to five times per day.

4. Dog Walking  

If you’re looking for a flexible, independent way to earn money — and you love hanging out with dogs — Rover might be your perfect gig.

The online network connects dog walkers and sitters to local dog owners through its 4.9-star-rated app, so you don’t have to staple flyers on every utility pole across town.

Rover says sitters can earn as much as $ 1,000 a month.

Rover dog-sitter requirements vary by location. In general, you must:

  • Be 18 years or older.
  • Pass a background check.
  • Have access to the Rover app (iOS or Android).

Here’s how it works: You’ll create an online sitter profile where you’ll answer questions about your experience with puppers and your schedule availability.

You can choose to offer a variety of services, including dog walking, overnight boarding at your home or theirs, and daycare. Boarding is the app’s most popular service, so offering it can get you more gigs. You set your own rates. (Rover keeps a small percentage as a service fee.)

Dog owners will reach out to you. Accept which gigs you want, then start snugglin’ pups. As soon as you complete a service, you’ll be paid within two days.

5. Odd Jobs

For those who are a little more handy around the house and don’t want to be stuck in a car all day, think about putting your odd-job skills to good use.

TaskRabbit, a service that connects workers with people who need help at home, lists a variety of tasks that people can accept, including assembling furniture, mounting TVs, cleaning and more.

According to Brittany Benson, a TaskRabbit spokeswoman, “Taskers” in the United States earn an average of $ 35 per hour. Check out our overview of how to make money on TaskRabbit.

Service Industry

The service industry depends on people looking for extra work as servers and bartenders. The hours and pay can vary depending on the type of establishment, so make sure these shifts will not interfere with your day job.

6. Restaurant Server

Since most servers rely on tips, do your best to find busy restaurants that have expensive food and drink. That way, you have a better chance to get a more lucrative tip at the bottom of the receipt. Restaurant servers earn $ 8.33 per hour, including tips, according to a The Penny Hoarder analysis of U.S. Census Bureau data.  

7. Bartender

You may need some previous experience behind a bar before getting a gig serving cocktails. Bartenders earn $ 11.54 per hour, including tips, according to a The Penny Hoarder analysis of U.S. Census Bureau data. If you have the necessary know-how to become a bartender, try out these 16 tricks to maximize your tip income.

8. Fast-Food Worker

Working in a fast-food restaurant is a common first job for high schoolers, but now may be the time to give it another shot.

Some of the biggest fast-food chains have added more benefits for their employees. McDonald’s announced in early 2018 that it was planning to expand its college tuition assistance program. A few months later, KFC started offering employees access to personal finance education and budgeting software. Fast-food workers earn $ 6.41 per hour, according to a The Penny Hoarder analysis of U.S. Census Bureau data.

Work From Home

Young woman working at home

Work-from-home jobs are a great option if leaving your day job and going straight to another gig doesn’t sound appealing. These jobs offer the flexibility to do your duties from the comfort of your home office.

9. Customer Service Associate

These gigs come in many forms, requiring reps to resolve issues for customers on the phone and by chat and email. Fields include technology, health care and finance. Customer service jobs require patience, a desire to help people and a proper computer setup. Check out the customer service jobs available on The Penny Hoarder Work-From-Home Jobs Portal for more information.

10. Freelance and Creative Writing

So you have a way with words. Why not get paid to use them? You can find opportunities to get paid to write copy and original creative writing pieces. One of the ways to make your writing more in-demand is to focus on a specific niche or topic, such as finance or technology.

Also, stay away from writing for sites and services that pay little per article. Those articles usually need to be written in a hurry and are not worthy to be clips in your professional portfolio.

If you’re interested in getting paid for your original creative writing pieces, then sign up for a submission-management website, such as Submittable or Duotrope, says Jerrod Schwarz, a creative writing professor at the University of Tampa and a managing editor of Driftwood Press Literary Magazine.

Here’s a breakdown on how to make more money as a freelance writer and a list of magazines that pay for creative writing submissions.

11. Teaching English as a Second Language

If you’re a former teacher looking to make some money from home, you should check out VIPKid, Qkids or Italki. These companies connect U.S. instructors with students who want to learn English.

According to the Qkids website, most online teachers work 10 to 20 hours per week and earn between $ 16 and $ 20, including loyalty bonuses.

Jennifer Ross, a former schoolteacher who now works for VIPKid, told The Penny Hoarder in 2018 she makes more than $ 520 working 24 hours a week.

12. Online Tutoring

Another teaching opportunity available outside the classroom is online tutoring. Several companies give educators a chance to help students while working from the comfort of home.

Tutors with Chegg, for example, earn $ 20 or more per hour teaching grades 6-12, college and working professionals in topics such as calculus, computer science, zoology — and more.

Most companies require teachers to have a bachelor’s degree or be working toward one. But not all companies, like Tutor.com or Yup, require previous teaching experience. Here’s a roundup of work-from-home online tutoring companies.

13. E-Commerce Seller

Maybe you’re not interested in working in a service-industry gig and want to explore your crafty side. Thanks to the popularity of platforms like Etsy, eBay and Facebook Marketplace, craft merchants and small business owners have an outlet to sell their goods.

Etsy seller Lena Gosik-Wolfe encourages new sellers to do their due diligence in the beginning by obtaining the necessary tax documents, business licenses and web domain for their companies before making a first sale.

“It’s better to take it seriously and get that stuff in order from the start rather than having to go back and fix it later on,” she says. If you’re considering selling on Etsy, here are five more tips to help boost your sales.

In addition to Etsy, craft sellers can open up online stores using Amazon and Shopify. One of the benefits of selling on Amazon is the sheer number of people who use the site every day.

The downside is that there’s increased competition from people selling similar products. An upside is that sellers have access to features such as Prime and Fulfillment by Amazon.

Shopify is another option for sellers who prefer control over their online store to merely listing their goods on a large aggregate like Etsy. Shopify is user-friendly for sellers who aren’t especially tech-savvy, offering more than 100 free, customizable online store templates. Find out more about different e-commerce services here.

Matt Reinstetle is a staff writer at The Penny Hoarder.

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

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

The Penny Hoarder

BEST DEAL UPDATE:

Sam's Club Membership Offer

Do I Really Need a Colorectal Cancer Screening?

Kaiser Permanente - eading the Nation in Colorectal Cancer Screening Rates. Commercial Health Plans: Kaiser Permenante - 88%, National Average 72%. Medicare Health Palnas: Kaiser Permanante - 79%, National Average 61%. Source: 2018 HEDIS® (Healthcare Effectiveness Data and Information Set), used by more than 90 percent of America’s health plans to measure performance.

Download a .pdf of this infographic.

Keeping up with screenings is one of the best ways to stop colon cancer, the second-leading cause of cancer death in the U.S.

When colon cancer is caught early, the disease can be cured in 9 out of 10 cases. Screening can also prevent cancer by helping doctors find and remove polyps before they become cancerous.

Kaiser Permanente is proud to lead the nation in colorectal cancer screening rates. To make it easy and convenient, we use a non-invasive test called FIT whenever possible, completed in the privacy of your own home. Talk with your care team to determine what type of screening is best for you based on your age and risk.

Main RSS Feed – Kaiser Permanente

NEW PARENT ESSENTIAL UPDATE:

9 Uplifting TED Talks by Black Women You Need to Watch Right Now

No one walks away from watching a TED Talk without being changed on some level. And one by a black woman undoubtedly doubles that impact. If you’ve already watched the previous eight TED Talks from exceptional black women we highlighted last year and you’re motivated and ready for some more leveling up, the nine we have lined up below will not disappoint.

Each talk in this roundup of influential women of power delivers thoughtful advice, insightful personal stories, and invigorating perspectives just in time for Women’s History Month. They are sure to spark change, whether in you or the women of power you share these talks with.

#MeToo founder and activist Tarana Burke delivers a searing message that #metoo is more than a moment; it’s a movement. Globe-trotting Evita Robinson, founder of the Nomadness Travel Tribe, a 20,000 strong global lifestyle brand will have you planning your next trip. Educator Dena Simmons teaches students of color how to deal with impostor syndrome. Nadine Burke Harris, California’s new surgeon general, discusses the long-term health effects of childhood trauma. And Kasiva Mutua, the Kenyan percussionist who is breaking down gender barriers each time she beats her drum by challenging the taboo against female drummers, will have you questioning why women were even banned from playing in the first place. And we’ve only named five of the nine speakers listed here.

These women are shaking the table and stirring up change while improving the world and sharing ideas that are definitely worth spreading.

9 Uplifting TED Talks by Black Women

Evita Robinson

 

Nadine Burke Harris

 

Tarana Burke

 

Maya Penn

 

Kasiva Mutua

 

Wanuri Kahiu

 

Dena Simmons

 

Kim Katrin Milan

 

Nnedi Okorafor

 

 

 

The post 9 Uplifting TED Talks by Black Women You Need to Watch Right Now appeared first on Black Enterprise.

Lifestyle | Black Enterprise

EMPLOYMENT SEARCH UPDATE:

The secret Ibiza addresses you need to know about

Georgiana Huddart, co-founder of Hunza G, shares her top things to do in Ibiza

My favourite beach is…

Xucla Beach in the North, it’s so romantic – it’s a little cove beach with an amazing xiringuito that does the best garlic gambas. It has a cave you can swim through and you can walk around the coastline on the rocks and jump off into crystal sea.

My favourite dress shop is…

Vicente Ganesha, in Ibiza town, that not that many people know about, it has the most incredible dresses! Multi layered flamenco dresses. I have worn this blue one so many times and lent it to tonnes of friends, I don’t think I have ever worn it and not been asked where it’s from.

Annie’s in Ibiza is also a great shop for amazing vintage finds and cool current brands. Annie stocks: Rixo, De La Vali, Clio Peppiat, Isabelle Moore & Graham Cruz.

My favourite club is…

DC10 on Monday night for Circa Loco is the only club I go to in Ibiza as it’s not really a club, it’s half outside, the music is incredible, and you can party with planes flying over your head as it’s right next to the airport.

My favourite daytime excursion is…

Going to Formentera for the day is also something everyone goes to Ibiza should do, it’s lovely and has great restaurants and crystal clear sea.

My favourite restaurant is…

Cicale, beautiful as it’s in a very remote countryside location, you sit on a patio with fairy lights and olive trees around you, plus the the food is wonderful and they have a small boutique with wonderful jewellery and trinkets.

The post The secret Ibiza addresses you need to know about appeared first on Marie Claire.

Marie Claire

BEST DEAL UPDATE:

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

‘Dark Phoenix’ and all the new trailers you need to watch this week

New Trailers

We have just one more week, Marvel fans — one week until Captain Marvel launches in theaters, and we’ll finally get the last missing piece before Avengers: Endgame. To keep you entertained until then, you’ve got a few options, including the new comedy A Madea Family Funeral, or the thriller The Wedding Guest.

When it comes to new trailers, we’ve got new Pokemon Detective Pikachu and Dark Phoenix clips for you, as well as a new Hellboy trailer. On top of that, the first teaser for The Irishman is also here.

Continue reading…

Trending Right Now:

  1. ‘Dark Phoenix’ and all the new trailers you need to watch this week

‘Dark Phoenix’ and all the new trailers you need to watch this week originally appeared on BGR.com on Sat, 2 Mar 2019 at 15:02:30 EDT. Please see our terms for use of feeds.


BGR

BEST DEAL UPDATE:

All Deals on HP, Dell and Lenovo!

These are the 7 main shoe trends you need to know for summer

With a new season around the corner, we’re starting to look at the main summer fashion trends to dictate our wardrobe for SS19. And whilst we’ve already got the main spring bag trends covered, we’re all for updating our shoe game too. After all, as Marilyn put it, ‘give a girl the right shoes and she can conquer the world’.

As ever, we’re looking to the catwalk for inspiration, so keep scrolling for the top shoe trends to invest in this season, as seen at Chloé, Prada and Jacquemus to name a few.

Neon shoes

spring summer shoe trends

It’s official, neon is back. While hints of bright coral, hot pink and flashy orange were spotted at the shows, lime green was the colour of choice, as dictated by Matthew Adams Dolan, Jeremy Scott and Christian Siriano.

Naked sandals

Never has a sandal been so covetable. Designers like Versace, Mary Katrantzou and Ports all sent their models down the catwalk in barely-there sandals that somehow make feed look extra sexy without deterring from the clothes. Look to The Row and Neous for great buys, and Topshop, Mango and Zara for high street equivalents.

Perspex heels

spring summer shoe trends

If you’re after a futuristic heel, then this trend is for you. Balmain, Chanel and Christian Dior have all designed boots, mules and court shoes with a simple perspex heel for SS19.

Scultpural heels

spring summer shoe trends

The maximalists amongst you will adore this trend, which was already big last summer thanks to Jacquemus (what trend didn’t he set?). Whilst last season was all about the wooden heel, this time round we’re injecting a bit of colour and metal in delicate shapes. Also look to Rejina and Balmain for inspiration.

Prim Mary Janes

Consider this the shoe equivalent of the lady bag trend. Miu Miu, Prada and Tom Ford have all re-imagined the Mary Jane (‘I thought it was an urban shoe myth!’) for the new season, in pastel shades with jewel clasp details, and classic black croc and white leather.

Kitten heels

The kitten heel is here to stay, and we’re backing the styles seen at Rejina Pyo, Christopher Kane and Tibi. This low heel is deceptively flattering, both on short and long legs.

Shoes with tassels

spring summer shoe trends

Festival season starts early with these tasseled numbers. At Longchamps they were on gladiator sandals, at Coach they adorned trainers and at Oscar de la Renta they were the finishing touch on classic heels. Who knew they were so versatile?

Scroll down to shop the best spring summer shoe trends.

The post These are the 7 main shoe trends you need to know for summer appeared first on Marie Claire.

Marie Claire

BEST DEAL UPDATE:

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

If You Work From Home, Here Are 11 Tax Deductions You Need to Know About

While there are plenty of pros to working from home,  the downside is it can cost you plenty. from the high-speed internet to stay in touch with clients to the office chair that keeps you comfy while you work.

Fortunately, the government recognizes this and offers tax deductions to people who work out of their homes. Read on to find out what you might be eligible for if you work from home.

Tax Deductions for Self-Employed vs. Remote Workers

Most of the following deductions apply largely to the self-employed, also known as independent contractors. That’s because when you’re an employee of a company, your company foots the bill for 50% of things like Social Security and Medicare taxes, and withholds the other 50% from your paycheck to pay the rest.

But when you’re self-employed, you’re responsible for both halves — something too many independent contractors learn by surprise when April rolls around and they find out how much they owe in taxes. (Plus, the self-employment tax entry moved from Form 1040 to Schedule 1 for 2018.)

As a rule of thumb, you should set aside around one-third of your self-employment income for taxes.

To offset this additional expense, the IRS allows self-employed workers to deduct certain business-related costs, so long as they itemize each of these expenses on their returns. That means you’ll need to keep detailed records and receipts throughout the year.

What You Can Deduct if You’re Self-Employed

According to IRS guidelines, “To be deductible, a business expense must be both ordinary and necessary.” This includes the following:

1. Home Office

Home office.

If you have a dedicated room or workspace in your home you use solely for business purposes, it counts as a “home office,” and you can deduct a portion of certain home expenses for it. It doesn’t need a fixed partition, like a wall or a door to close, but you do need to clearly identify it as a separate space (i.e., a dedicated corner of your kitchen).

So if your home is 1,200 square feet and your home office is 120 square feet, that means it makes up 10% of your home’s square footage, so you can deduct 10% of the following:

  • Rent (NOT monthly mortgage payments).
  • Utilities (heat, electricity, internet, landline).
  • Mortgage interest.
  • Homeowners insurance.
  • Property taxes.

Remote workers, take note: You can only deduct a home office if your employer asks you to work from home “for the convenience of your employer.” If you’ve negotiated a few work-from-home days to accommodate your own schedule, this does not count.

2. Office Supplies

From staples to printer paper, office supplies are deductible. Just be careful with larger “supplies,” like furniture.

If it’s essential to your business (think: desk, desk chair, filing cabinet), you can probably deduct it. If it’s not (think: picture frames and a second, comfier chair for brainstorming in), you probably can’t.

3. Equipment

You can also deduct any equipment you buy for your business, like computers, printers and accessories (headsets, webcams, etc.), as well as any repairs on these items. If you have a smartphone you use solely for business purposes, you can deduct the cost of the phone and monthly bill.

If your industry requires specialty equipment, like camera gear for photographers, that also qualifies.

4. Software

Do you use a paid invoicing system to bill your freelance clients? You can deduct that. Graphic design software, PDF software, word processing software? You can deduct those, too. As long as you use them strictly for business, any software you purchase or pay for monthly qualifies.

5. Travel Costs

Man waiting in airport lounge using a digital tablet.

If you ever need to travel to visit a client or attend a conference, you can deduct your mileage or airfare. The same goes for any lodging, parking fees and other travel-related expenses you incur on your own dime.

Note, however, that if you’re an employee, you can no longer deduct un-reimbursed employee expenses for business-related meals, entertainment and travel, as a result of the 2018 Tax Cuts and Jobs Act.

6. Meals and Entertainment

Be careful with this category, as it can be all too tempting to write off business meetings that aren’t strictly business.

Coffee meeting with a new client to discuss strategy? Deductible.

Five-course dinner with friends where you spend 15 minutes talking business? Not so much.

As a rule, expect the IRS to limit your deductions to 50% of business-related “entertainment” costs, so keep things modest. For additional guidance, check out the 2018 update from the IRS.

7. Training and Education

You can deduct professional education necessary to run or grow your business, so go ahead and sign up for that course or webinar you’ve been wanting to take.

8. Marketing and Advertising

If you attend a trade show, send out flyers or buy a box of business cards, this counts as marketing, and you can deduct it. Same goes for any fees in connection with a personal website that advertises your services — hosting fees, WordPress theme purchases, etc.

9. Professional Services

When you hire someone to help you with your business, it’s deductible. So keep track of those invoices from the IT pro who debugged your website, the attorney who reviewed a tricky contract and the CPA who put together your tax returns.

10. Health Insurance

You can deduct 100% of your health insurance premiums for yourself and any covered spouse and dependents, if you meet the following criteria:

  • You’re self-employed.
  • Your business is claiming a profit for the tax year.
  • You (and your spouse and dependents) were not eligible for coverage from an employer or under your spouse’s plan during the months you’re claiming.

11. Miscellaneous

Throughout the year, make note of any other expenses that the IRS might consider necessary in the normal course of business. This could include holiday gifts for your best clients (within reason), banking fees, shipping fees, post office box fees, etc.

Kelly Gurnett is a freelance blogger, writer and editor who runs the blog Cordelia Calls It Quits, where she documents her attempts to rid her life of the things that don’t matter and focus more on the things that do. Follow her on Twitter @CordeliaCallsIt.

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

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

The Penny Hoarder

BEST DEAL UPDATE:

Sam's Club Membership Offer

Every Oscars 2019 After-Party Look You Need to See

Fresh off the Oscars red carpet, the stars brought their A-game to the Vanity Fair 2019 after party.
At the red carpet for the annual after party, many of the night’s winners showed up with their shiny new gold statues in tow.
After an Internet-stopping performance of “Shallow” with Bradley Cooper, Lady Gaga arrived at the red carpet wearing the Brandon Maxwell black gown — and eye-catching 128-carat Tiffany yellow diamond — she wore while accepting the Oscar for Best Original Song.

Lady Gaga in Brandon Maxwell at the Vanity Fair Oscars 2019 After Party. 
Chelsea Lauren/REX/Shutterstock

Regina King, who won the award for Best Supporting Actress, changed out of her white Oscar de la Renta gown into a peach-toned Monique Lhuillier dress. Olivia Colman, the surprise winner of Best Actress, changed out of her Prada gown into a long-sleeved gold satin look by Stella McCartney.

Regina King in Monique Lhuillier at the Vanity Fair Oscars after party. 
Chelsea Lauren/REX/Shutterstock

While her mother — Lisa Bonet — dazzled on the Oscars red carpet in one of Karl Lagerfeld’s last couture looks for Fendi, Zoë Kravitz showed up to the Vanity Fair after party in her own show-stopping look: a $ 24,000, 18-karat gold bra top by from Tiffany &

Follow WWD on Twitter or become a fan on Facebook.

Read More…
WWDWWD

BEST DISCOUNT ONLINE:

Need More Money? Here Are 30 Ways to Earn Extra Cash in 2019

It’s simple enough: You. Need. Money.

Now.

But deciding how to make money — or how to make more money — can get complicated.

As Penny Hoarders, we have plenty of experience sharing ways to make bank, and we’ve compiled 30 ways to do it quickly in 2019.

Whether it’s online, offline, at your job or by doing nothing (OK, not nothing, but through passive income), we’ll tell you how to find moneymaking opportunities and how much you can expect to take in.

What are you waiting for? Let’s earn some quick cash!

How to Make Money Online

Although there may be plenty of ways to make money online, that doesn’t mean they’re all worth your time. We’ve researched the effort vs. reward for these online options — from earning a few bucks for completing simple tasks to making enough dough to quit your day job.

Read on for more ways to earn extra cash on the web.

1. Trade Unwanted Gift Cards for Cash

What to do with all those gift cards from well-meaning relatives who either don’t know your interests or don’t take your location into consideration? (Thanks for the In-N-Out Burger gift card, but I live in Brooklyn.)

Sell them for cash (or a gift card you’ll actually use).

The Penny Hoarder’s Branded Content Editor Dana Sitar analyzed five gift card exchange sites that swap for cash or other gift cards.

Although you can make some fast cash this way, know that you won’t get the full face value of the card. Sitar suggests checking out two or three sites to find the best deal.

She also warns people to be wary of fast-cash offers through mobile payment sites like PayPal, which charges additional fees.

How much money can you make? The site Cardpool offered Sitar $ 21 cash for a $ 25 Target gift card.

2. Find a Side Hustle on Upwork

Hey there, fast fingers. You might be feeling low with the news that ”typist” is among the dying occupations, but that doesn’t mean you can’t still find a way to make money hitting the keys (at least for now).

Upwork is a freelance site that lets you indicate whether you prefer short- or long-term projects and the number of hours you wish to work. You can narrow your search to specific jobs like “virtual assistant” or “data entry” within categories that include design, writing, administrative support and customer service.

Improve your chances of finding jobs that fit your skill set and fit into your spare time by being as precise as possible in your profile title and focusing on just a few keywords.

You’ll get paid by the hour or by the project, minus a percentage that Upwork charges freelancers.

How much money can you make? One Penny Hoarder earned $ 40 per hour on Upwork as a virtual assistant.

3. Freelance on Fiverr

Looking to pad your bank account by writing articles, designing logos or translating text?

Check out Fiverr, an online marketplace for freelancers. You can set up your platform for free, but Fiverr collects 20% of the transactions made over the site. Then it’s just a matter of choosing your gig.

Jobs tend toward the creative types, but there’s a wide range of categories, including graphics and design, digital marketing, writing and translation, video and animation and music and audio.

How much money can you make? Pay starts at $ 5 per project, but Charmaine Pocek told The Penny Hoarder she earned $ 30 to $ 800 on Fiverr as freelance writer creating resumes and cover letters and optimizing clients’ LinkedIn profiles. In the past six years, Pocek has added to her to total and has now made $ 2.3 million from work she’s found on the site, according to Abby Forman, spokeswoman for Fiverr.

4. Teach ESL Online

Kirsten Cherry teaches English online from her dining room table in her home in Twin Falls, ID.

You love kids, but at a distance — because, you know, those sticky hands. So snag a work-from-home job teaching ESL (English as a Second Language) to Chinese students ages 4 to 12 through services like VIPKID and Qkids.

Both online platforms require a bachelor’s degree, a six-month commitment and the ability to work a minimum of six to seven hours per week. Teachers fill time slots by posting their availability — and since China is on the other side of the globe, your schedule will need to accommodate the time difference. (If it’s 6 p.m. in China, it’s 5 a.m. in New York).

After quitting her full-time job, new mom Kirsten Cherry of Twin Falls, Idaho, found part-time work teaching students through VIPKID.

“I got hired in June. Within two weeks, my schedule was 97% full,” said Cherry, 26. “In the first month, I earned over $ 1,000.

How much money can you make? Qkids states on its site that the base pay is $ 8 per 30-minute lesson, plus attendance and performance incentives. Cherry said she makes up to $ 22 teaching two lessons in an hour through VIPKID.

5. Test Websites and Apps

For all the sprinters out there, website and app testing could be your path to fast cash.

Start by filling out a registration form with a testing service. Once approved, you’ll receive access to projects as they become available. Testing involves interacting with a site and completing a series of tasks while providing feedback for market research.

Most testing requires you to work from a computer rather than your cell phone, as you’ll speak your feedback out loud as the company records your experience through the testing interface.

Cherry said she tried three different testing platforms and found the most success with Userlytics.

Most tests only take five to 15 minutes to complete, she noted, but you have to be ready to test at a moment’s notice.

“A lot of them I can actually do, as long as I click on them and follow the link on time,” Cherry said. “Sometimes even within 10 to 15 minutes after you get the email, they’re already full; they already have enough tests done.”

How much money can you make? Banking $ 10 to $ 20 per test, Cherry has earned $ 200 for taking a total of 18 tests.

6. Become a Search Engine Evaluator

Use your attention to detail to make money as a search engine evaluator.

Evaluators analyze the relevance and quality of ads and news feeds — think: deciding if those Google search results make sense. The guidelines are fairly strict for these kinds of jobs, and testing can be extensive.

You’ll need in-depth, up-to-date knowledge of the topics you cover and of the web in general, according to Prathima Tothempudi, senior human resources business partner at Lionbridge, a company that regularly posts openings for search engine evaluator gigs. In exchange, you’ll get a job that typically offers a flexible schedule.

How much money can you make? Lionbridge pays $ 10.80 per hour, Tothempudi said.

7. Sell Free Stuff on Craigslist

The online classified site Craigslist lets you sell stuff for cash, including items you get for free. And you don’t even need to leave the site to find those freebies — there’s a “free” listings section right there on Craigslist. Convenient, right?

Penny Hoarder Steve Gillman picked up six boxes of floor tiles he found for free on Craigslist, then sold them to the first flooring company he passed on his way back home.

How much money can you make? Gillman made $ 10 off of the pile of tiles.

8. Sell Thrift Store Finds on eBay

A woman holds a pile of clothes.

Selling your possessions on the auction site eBay is one way to pocket some cash quickly.

You can also make money by buying designer clothes for cheap, then selling them on the site to the highest bidder. If you have an eye for fashion — or at least the most popular labels — you can track down inventory at local thrift stores.

Create listings for your items, making sure to include well-written item descriptions and quality photographs to give your listings a professional polish (and get top dollar). Check out similar items to get a sense of where to set your starting bid, and be sure to incorporate the costs of shipping and eBay’s seller fees into your price.

Penny Hoarder Kat Tretina resold designer jeans by starting with a minimal investment — packaging tape and a scale to weigh packages for shipping — and ended up more than tripling her money.

How much money can you make? Your profitability depends upon what you’re selling, but for working 10 to 15 hours a month, Tretina made $ 500 to $ 800.

9. Sell Handmade Goods on Etsy

If you have a knack for crafting, you probably are already familiar with Etsy, aka the crafters’ paradise.

And if you’re considering making the leap from selling your wares at the farmers market to earning your money online as a crafty small business, starting out on Etsy is fairly simple. When you set up your site, you’ll pick a name, choose the items to list (the site recommends starting with at least 10) and set up payment and billing.

The site charges 20 cents for your first item, and you’ll pay transaction and payment-processing fees when you make a sale. To turn your shop into a viable moneymaker, take advice from those who’ve gone before you.

Lena Gosik-Wolfe, who followed up on a successful Etsy store with a second business advising people how they can sell on the crafty site, offered the following tips for ways to make money on Etsy:

  • Treat your shop like a brick-and-mortar version.
  • File necessary tax documents.
  • Design a professional site to attract customers.
  • Develop a clear, cohesive marketing strategy.

How much money can you make? Your Etsy profitability depends on what you’re selling and how much time you put into your business. Crafter Beth Gates told The Penny Hoarder she made $ 400 during her first six months selling Southern-style sundries and crochet items. After dedicating more time to her business, she made more than $ 4,000 in one year.

10. Do Online Transcription  

Those listening skills you honed by eavesdropping on your roommates’ conversations could finally pay off with a job in online transcription.

Transcription jobs usually require an assessment test to gauge your typing speed and accuracy. Depending on the service, you could be listening to a car commercial or court hearings, so find out what you’re getting into before you apply.

Cherry wishes she had known that tip before she signed up for her first transcription gig, which brought in $ 85.15 over six months for a job that required extensive testing and a lot of studying to follow a strict style guide.

“For that first transcription job, oh my gosh, I spent hours on that, and I got paid so little,” Cherry said. “I wish I would have just, in the beginning, told myself, ‘Hey, this just isn’t going to be worth it. Find something else.’”

Cherry had better luck after discovering the transcription service Rev, which offered a user-friendly platform and more lucrative projects.

How much money can you make? Making 40 cents to 75 cents per minute of transcription at Rev, Cherry earned $ 87.45 in one month for less than four hours of work.

11. Incorporate Affiliate Marketing Into Your Blog

Hey bloggers, there’s money to be made through affiliate marketing.

The basic process for making money through affiliate marketing goes like this: Write reviews about products on your blog and include a specific tracking link. When readers click the link and make a purchase, you receive a commission.

The more readers you have, the better your chances for making money, so attracting more eyeballs to your site is essential. One way to do that: Pitch articles to other blogs that allow you to link back to your blog.

How much money can you make? The affiliate marketplace ClickBank, which offers products and services to promote in your blog, says commissions range from 1% to 75%. The maximum commission on a single sale is $ 150.

12. Take Online Surveys

Looking to make a few bucks from a task that doesn’t require much effort? Taking online surveys could be your jam.

After signing up with a platform like Swagbucks or InboxDollars, you’ll select surveys based on your initial application, then answer questions that take an average of 20 minutes to complete.

The Penny Hoarder reviewed six online survey sites, noting that some paid out cash directly while others paid in gift cards or even sweepstakes entries. So do your homework before you sign up.

How much money can you make? Swagbucks surveys pay anywhere from 40 to 200 SB (100 SB equal $ 1), according to our Swagbucks review. Earn 300 SB to cash out for $ 3 gift cards to places like Amazon or Dunkin Donuts.

How to Make Money Fast (and in Person)

What if you need money fast and you want to do something that calls for less face time with your screen and more face time with actual, live human beings (or animals)?

Read on for ways to make more money in person.

13. Drive for Uber or Lyft

Lyft driver Paul Pruce poses in front of his car during a driving shift in Philadelphia, PA

Need a fun, flexible way to earn money while also meeting lots of new people?

Try driving with Lyft.

Demand for ride-sharing has been growing like crazy, and it shows no signs of slowing down. To be eligible, you’ll need to be at least 21 years old with a year of driving experience, pass a background check and own a car made in 2007 or later.

Best of all, you can do it on your own time. You can work days, nights or weekends — it’s up to you.

Because it’s easy to switch between apps, Lyft drivers often also sign up to drive with Uber.

How much money can you make? We talked to Paul Pruce, who had been driving full-time with Lyft for over a year and earning $ 750 a week as a driver.

14. Do Household Tasks Through TaskRabbit

You’re the person Aunt Peggy always calls to fix a faucet or assemble a bookshelf.

It’s time you stopped getting paid in oatmeal cookies. (Sorry, Peg).

Instead, use your household know-how to earn extra cash on TaskRabbit, which connects you with clients who need help cleaning their house, hanging pictures and making deliveries. In exchange for getting paid for your work, TaskRabbit deducts a 15% service fee.

How much money can you make? The company has stated you can make up to $ 2,000 per week — but no cookies.

15. Start a Pet-Sitting Business

If you prefer your coworkers to be the four-legged variety, snagging a job as a pet sitter could be the job you’ve been begging for (as if you thought I wouldn’t go there).

Posting notices on your local social networks will help you find owners in need of walkers, sitters and general companions for their fur babies.

Want to improve your rate of hire as a newbie? Instill trust by snapping a few photos of the pet when you’re with them, then send them to the owner, according to Lisa Peddicord, who has a pet-sitting side gig.

How much money can you make? Peddicord told The Penny Hoarder she made just under $ 10,000 in 2018.

16. Walk Dogs With Rover

If you’re looking for a flexible, independent way to earn money — and you love hanging out with dogs — Rover might be your perfect gig.

The online network connects dog walkers and sitters to local dog owners through its 4.9-star-rated app, so you don’t have to staple flyers on every utility pole across town.

Rover dog-sitter requirements vary by location. In general, you must:

  • Be 18 years or older.
  • Pass a background check.
  • Have access to the Rover app (iOS or Android).

Here’s how it works: You’ll create an online sitter profile where you’ll answer questions about your experience with puppers and your schedule availability.

You can choose to offer a variety of services, including dog walking, overnight boarding at your home or theirs, and daycare. Boarding is the app’s most popular service, so offering it can get you more gigs. You set your own rates. (Rover keeps a small percentage as a service fee.)

Dog owners will reach out to you. Accept which gigs you want, then start snugglin’ pups. As soon as you complete a service, you’ll be paid within two days.

How much money can you make? Rover says sitters can earn as much as $ 1,000 a month.

17. Deliver Groceries Through Shipt and Instacart

Destiny Frith, 24, of Nashville, a shopper for Shipt, makes her way to her car after shopping for a customer at Kroger in Franklin, Tenn.

Enjoy spending money but still need to make some? You can pocket cash if you’re willing to shop for other people — particularly for their food — and drop it off at their homes.

So if you have a keen eye for kiwi or a knack for knowing your knockwurst, you could make bank shopping and delivering groceries for Shipt or Instacart, on-demand grocery-delivery services.

To get started, you’ll sign up for an account, then select your schedule based on your availability. Instacart lets you pick between shopping and delivering or just shopping in-store, so you don’t even necessarily need a car.

You’ll receive orders through the company app and can communicate directly with the customers in case the store is all out of their preferred brand of pickled pig’s feet.

How much money can you make? Instacart shoppers in larger metropolitan areas can make $ 25 per hour during high-demand times, according to Instacart Boston city manager Nima Zahedi. Shipt notes on its website that shoppers make an average of $ 22 an hour, and Shipt shopper Destiny Firth told us she made approximately $ 600 per week (including tips) working 35 hours per week.

18. Sell Your Old Video Games

That old Mario Kart at the bottom of your video-game bin could be making you money instead of collecting dust.

Penny Hoarder Staff Writer Adam Hardy used GameStop’s rather stingy buyback policy to his advantage by swapping store credit for gift cards and maximizing his profit.

How much money can you make? GameStop originally offered Hardy $ 72.40 cash for his games, but he opted for the $ 111.14 Shell Gas card instead, which he could then trade on CardPool for $ 95.58 cash.

19. Become an Airbnb Host

Have a spare room? Might as well try to earn some money by listing it on Airbnb.

If you’re a good host with a desirable space, you could add hundreds — even thousands — of dollars to your savings account with Airbnb.

A few simple steps can make the difference between a great experience and a less-than-satisfactory one. We talked to Terence Michael, an Airbnb superhost based in Los Angeles.

Here are some of his tips:

  • Break out the labelmaker. “I have the entire house loaded with labels,” Michael says. “They look nice; they’re modern. This helps people feel less helpless.”
  • Be a good host, and stock your place with the toiletries you’d expect at a hotel — toilet paper, soap and towels. Here’s a little hack from Michael: “I order on Amazon and have it delivered when people are there.”
  • Be kind to your neighbors. “I say, ‘I’m not going to put anyone here who I think won’t be good for you,’” Michael explains. “And I turn a lot of big groups away, especially in Nashville. I don’t want anyone going to the cops or the city.”

How much money can you make? Figure your potential earnings with this Airbnb calculator.

(Hosting laws vary from city to city. Please understand the rules and regulations applicable to your city and listing.)

20. Rent Out Your Ride on Getaround

It doesn’t seem fair: While you toil away at the office all day, what is your car doing?

Living the sweet life in a parking garage.

Make that freeloader earn its keep by renting out your ride during your workday. (You can also do it on weekends you prefer to stay in and binge watch “The Good Place.”)

Peer-to-peer car rentals let you lend your car and pocket the cash. Getaround, available in New Jersey and 13 cities in other states, allows you to list your vehicle for free.

How much money can you make? Getaround says users can make up to $ 800 a month.

21. Find Baby-sitting Jobs on Care.com

You can recite the names of every Paw Patrol member, you knew Doc McStuffins when she was just a resident and you can sing every verse of “Baby Shark” — with a smile.

You were born to baby-sit.

If you’re the responsible type and love kids, baby-sitting can be an easy gig to pick up on the side, starting with your own friends and family

And services like Care.com can expand your client base beyond your inner circle — plus, it lets you choose other caregiving options like pet sitting or senior care.

How much money can you make? The average baby-sitting rate was $ 16.20 per hour, according to a 2018 Care.com Cost of Care Survey.

Make Money on Social Media

You already spend a lot of time on social media, so why not make some fast cash there, right?

Most people who make big money do so based on the size of their audience (hello, Kardashians). But that doesn’t mean it’s impossible to make some bank — especially if you have a loyal following that has the potential to grow.

Considering 70% of teenage YouTube subscribers say they relate to YouTube creators more than traditional celebrities, there’s plenty of reason to believe that even smaller social media influencers can attract advertiser dollars.

If you’re among that group of influencers, there are ways to grow your audience, build a professional profile and thus attract more money. Online platforms like Kred, Klear and GroupHigh can help you connect with companies that will pay you to mention their brands to your audience.

Ready for the spotlight? Check out these ways to make money on social media.

22. Stream on Twitch

 Cory Michael, who goes by the screen name King Gothalion, has turned broadcasting video games on Twitch into a profitable full time job.

Your mom was wrong. Playing video games might not be a waste of your time after all.

Cory Michael started streaming his gaming sessions and over four years attracted 29 million people to watch him tackle Destiny and other multiplayer online games. As a result, Twitch accepted his partnership application and agreed to pay him to play.

How much money can you make? Michael explained to The Penny Hoarder that there are three ways to make money streaming on Twitch: tipping, ad revenue and subscriptions. Top Twitch streamers can earn hundreds of thousands of dollars per month.

23. Produce Videos for YouTube

Put that camera phone to work by making some bucks logging your life, times and cat videos on YouTube.

But you’ll need more viewers than your biggest fan (thanks, grandma!) to make money on the video streaming site. To be reviewed for the YouTube Partner Program, your channel must have at least 4,000 watch hours in the previous 12 months and 1,000 subscribers.

Linden Wolbert, who makes a living performing as a mermaid, said she loves teaching kids about the ocean on “Mermaid Minute,” an educational web series she launched on the YouTube channel in 2012. But after YouTube raised the bar for its Partner Program in 2017, “It’s become a lot more challenging,” she said.

To help attract more eyeballs to your site and reach the threshold, the YouTube Creators channel advises vloggers to post new videos consistently and frequently — think Monday through Friday at 3 p.m., no matter what your cat did that day.

Your channel can make money through advertising, subscribers and Super Chats — that’s where fans can pay extra to add a highlighted message to the chat as you live stream.

How much money can you make? Wolbert made four figures a month before YouTube updated its algorithms, but YouTube indicates there are opportunities to earn even more money. Its press page states that the number of channels earning five figures per year grew 50% year over year.

How to Make Passive Income

Even if you don’t have the free time to take on a part-time job, you can still make money by putting in a little front-end work.

It’s called passive income, and we’ve found ways to help you pad your bank account without lifting a finger (or at least maybe not all of them).

24. Earn Cash Back on Purchases With Ebates

Instead of handing over all your hard-earned money when checking out, how’d you like to earn some of that cash back?

Ebates lets you earn anywhere from 1% to 25% on purchases you make at its retailers; (there are 2,500, so lots of options). You can sign up for free using your Facebook or Google account.

By clicking the “shop now” button before you check out, a percentage of the price goes back to your Ebates account.

How much money can you make? On its site, Ebates says you can earn a $ 10 Walmart gift card or Ebates cash bonus by spending at least $ 25 and making your first purchase through the site within 90 days of signing up.

25. Upload Your Receipts to Ibotta

A woman pushes a full cart at a grocery store.

You’re already a coupon cutter (right? right?!?), so discover another easy way to make cash back on your groceries with the Ibotta app.

After you sign up for an account, click the little addition sign next to the products you can save on (just like couponing, but without the scissors). Then upload a picture of your receipt, and Ibotta deposits the amount saved into your account. You’ll get a $ 10 sign-up bonus after you upload your first receipt. Once you reach the $ 20 minimum, you can cash out through PayPal or Venmo.

Even better, the app isn’t limited to grocery store purchases — you can earn cash back on other shopping and travel, too.

How much money can you make? Penny Hoarder staffer Colleen Rice earned approximately $ 45 from Ibotta during one road trip by finding cash-back deals on Hotels.com.

26. Invest in Real Estate

Even if you’re not exactly the handy type (hand raised) or you don’t have cash to sink into million-dollar properties (both hands raised), you can make passive income from real estate through online investment options like Fundrise.

For as little as $ 500, you can join the crowdfunding-style real estate investment platform, which invests in American properties. Learn more in The Penny Hoarder’s review of Fundrise.

How much money can you make? Fundrise has seen historical returns of 8.7% to 12.4%. (Note: As with any investment, past performance isn’t indicative of future results.)

27. Earn Interest on Savings Accounts

Will you get rich quick putting your money in a savings account? No.

But if you’ve been leaving your money to waste away in a traditional savings account with its minuscule returns — or you don’t have a savings account at all — high-yield online savings accounts can offer you at least some passive income.

Varo Money combines traditional banking tools with modern technology to help its customers become financially healthy.

Here’s the best part: Pair your bank account with a Varo Savings Account, where you’ll earn 2.1% annual percentage yield. That’s 35 times — repeat, 35 times — the average savings account, based on a 0.06% average reported by CNN Money.

Varo goes easy on the fees, too. As long as you use one of its 55,000 ATMs across the world, you’ll never pay fees.

Additionally, you’ll pay no monthly service fees, no minimum balance fees, no foreign transaction fees and no cash replacement fees. You’ll just pay any fees charged by out-of-network ATMs and cash deposit fees if you deposit cash in-store through Green Dot.

How much money can you make? If you tuck away $ 1,000 in an account with a 2.1% annual percentage yield (APY), you’ll earn an extra $ 21 this year.  

28. Use Credit Card Points

Wait a second, you say, I’m trying to make money, not spend it!

But you do have to spend money on some essentials, right? Like groceries and gas?

I can speak from personal experience that collecting points on these purchases can help you earn cash back and gift cards.

The key to this being worthwhile, though, is that you must pay off your credit card each month. Otherwise, the interest you’re paying on the balance negates any profit you’re making through point accumulation.

How much money can you make? I received $ 250 in Target gift cards last year by using points I earned on my Mastercard.

How to Make More Money at Your Job

A businessman smiles as he walks down a street talking on his cell phone

This may seem like an obvious option — you’re already making money at your job, right? (If not, find another job.) But since your employer is already a source for earning cash, why not consider it as an option for making more money?

29. Ask for More Hours (and More Money)

If you’re working a part-time job, one way to make more money is to ask for more hours.

In addition to the extra cash, a full-time position may offer more benefits, like paid time off and health insurance coverage.

Make your case for more hours with a list of current accomplishments and ways you can further help the company, suggests career strategist Emily Kapit of ReFreshYourStep.com.

“You set yourself up for the best chance of success… if you go in prepared and also positioning it as helping the manager,” Kapit said. “You’re going to feel more empowered.”

Check out this article for more tips for turning your part-time gig into a full-time job.

How much money can you make? It depends on how many additional hours you can snag. And since benefits account for 31.8% of an employee’s total compensation, according to the Bureau of Labor Statistics, be sure to check out this article to figure out your total compensation package.

30. Ask for a Raise

Wouldn’t it be great if your boss just said, “Hey there, superstar, how’d you like a big pile of money for being awesome?”

That probably won’t happen. (And if it does, don’t do the humblebrag thing on Facebook. It’s annoying.)

If you want to ask for a raise, you should first know whether you’re in a good position to negotiate, according to Michelle Tillis Lederman, CEO of Executive Essentials and author of “The Connector’s Advantage.”

“Are you getting good assignments? Are your getting good feedback?” Lederman asked. “What was your performance-review comment? Did you exceed expectations, or did you just meet expectations?”

Before scheduling a meeting with your boss, arm yourself. Check out salary-comparison calculators on sites like Glassdoor, and document your work wins — and the approximate value they add to the company — to prove your worth. And don’t forget to check out what the competition is offering someone with a job similar to yours.

How much money can you make? Chad Busta told The Penny Hoarder he used a competing offer to negotiate with his current employer for a 6% pay raise and the ability to work from home.

More Ways to Make Money

Here’s the thing to keep in mind about making money: No matter what the flimflam artists may claim, you generally don’t make money without any effort.

But instead of dreaming about making a million dollars by posting videos of your cat on YouTube, you can realistically expect to make extra cash by putting in some time and effort.

That’s been Cherry’s experience. She says that by working a few hours every day, she’s earned money to help her family — and to enjoy a few perks.

“If I earn a certain amount of money, I say I’ll give myself 10%, and then I put it toward what I want,” she said. “It just makes me happy that I’m earning something and that I can buy myself a little extra.”

And if you’re looking for even more ways to make bank, check out our post on side jobs to make extra money.

Happy earning!

Tiffany Wendeln Connors is a writer/editor for The Penny Hoarder. Find her on Twitter @TiffanyWendeln.

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

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

The Penny Hoarder

BEST DEAL UPDATE:

Sam's Club Membership Offer

2019 Oscars: Everything You Need to Know About This Year’s Academy Awards

The 91st annual Academy Awards has had its fair share of controversy.
Starting last August, the drama began when the Academy introduced new measures to increase viewership for the awards show. It announced that the telecast would be cut down to exactly three hours, meaning many of the awards would not be televised. Then the drama shifted over to the hosting gig, which the Academy briefly gave to comedian Kevin Hart, then quickly took away.
The drama hasn’t stopped there. There was also the brief introduction of a new award, called “Best Popular Film,” which was met with much criticism from the film industry and beyond, and the news that the Academy wasn’t letting all five “Best Original Song” nominees perform during the telecast.
From who’s hosting and performing to what can be expected during the live telecast, here’s everything you need to know about this year’s Academy Awards.
When and where?
The 91st annual Academy Awards are on Sunday, Feb. 24, at 8 p.m. EST. The ceremony will be held at the Dolby Theatre in Los Angeles and will be televised on ABC.
Who’s hosting?
No one. Briefly signing on to host the ceremony in December, comedian and actor Kevin Hart stepped down from the post after

Follow WWD on Twitter or become a fan on Facebook.

Read More…
WWDWWD

FASHION TIPS:

Tales from the Wallet: How Much Money Do You Need to Be Happy?

How much money do you need to be happy?

Here’s a random question that is always a fun discussion: how much money do you think you need to be happy? Do you agree that there may be an “optimal” income for happiness in that your problems increase if you make more? (We haven’t talked about how we all define “rich” for quite a while…)

I’ve always heard $ 75,000 is the “optimal” number, but according to a recent(ish) story in Fast Company the amount is now $ 105,000 for Americans, and beyond that, “there’s a point at which more money has decreasing returns in terms of our emotional well-being and life satisfaction.”

How Much Money Do You Need to Be Happy - Tales from the Wallet

Pictured above (affiliate link).

It’s an interesting point, and readers I’d love to hear from you — if you’ve made different salaries, did you notice increasing stress or happiness as the numbers moved up or down? To what degree “does money buy happiness” for you, either in terms of enabling hobbies or lifestyle habits (like eating out often) or in terms of enabling outsourcing (so, for example, someone else scrubs your toilets). To what extent does “mo money mo problems” ring true to you — either in terms of increased expectations or stress at work, keeping up with the Joneses or other issues? 

Stock photo via Stencil.

The latest studies say that the "optimal salary" for Americans is $  105K, with the theory being that more money = more problems. We asked our professional women readers: how much money do YOU need to be happy? Readers with household incomes of anywhere from $  67K to HHI of $  400K chimed in...

The post Tales from the Wallet: How Much Money Do You Need to Be Happy? appeared first on Corporette.com.

Corporette.com

BEST DEAL UPDATE:

Teens need to text, talk with parents often to maintain youth resiliency after a divorce

Texting, FaceTime and other popular communication methods among teens may help build supportive parent-youth relationships after a divorce, according to a family studies researcher.
Infant and Preschool Learning News — ScienceDaily

ENTERTAINMENT NEWS UPDATE:

Attention, Teachers: Need Cash This Summer? Try One of These 26 Side Gigs

While many of us dream of having the summer months off, some teachers prefer to use their vacations to earn extra cash.

According to a Penny Hoarder analysis of U.S. Census Bureau data, the median salary for teachers (elementary, middle and secondary) is $ 51,000, and the starting salary comes in at $ 35,800. So it’s no surprise that one in 10 educators works a second job during the summer. Not only that, teachers are twice as likely to work a second job than people in any other occupation.

Working during the summer can help you keep your teaching skills sharp and can even help you learn a few new things — preferably with someone else footing the bill.

You’ll find no shortage of summer jobs for teachers or educators. Many of these opportunities will give you a modest income without a lengthy commitment. When the summer’s over, you can resume your day job without having to worry about quitting or keeping a second job.

Ready to find your new summer job?

Jobs That Will Keep You Teaching

Baseball team and their coach

For some teachers, summer is a time to get away from their regular day-to-day work. But for others, teaching is what gets them going in the morning. These jobs will bring in extra income while fulfilling that desire to keep teaching.

1. Teach English as a Second Language

Want to strengthen your teaching skills while earning extra money? Look for opportunities to tutor English as a second language (ESL) students locally and online.

You can contact large corporations in your area that may relocate foreign employees to your city and inquire whether they need a freelance ESL tutor to help their staff brush up on their language skills. Or go online and connect with students all over the world through sites like GoFluent and QKids. One former public school teacher earned over $ 500 a week teaching English to Chinese students through VIPKID.

2. Offer Tutoring

School may be out for the summer for you, but that doesn’t mean students don’t still need a helping hand. If you just don’t get enough of teaching during the school year, tutor in your subject to make extra cash.  

If you want to offer in-person tutoring, start by spreading the word with your students’ parents during the school year so they know who to call when summertime rolls around. And of course, shamelessly publicize your tutoring skills to friends and family who have children. A great thing about tutoring is you can set your own rates, with tutors typically charging anywhere between $ 30 and $ 90 per hour, depending on the subject, according to Tutors.com.

And if you’d like to tutor without actually having to leave your house, consider online tutoring instead. There are a ton of websites that hire online tutors. Here are some of our favorite online tutoring companies.

3. Become a Test Prep Instructor

This is similar to tutoring, but with a little twist. As a test prep instructor, you can still flex those teaching skills but take a little break from teaching the same stuff you do during the regular school year.

Depending on your area of expertise and skill level, you can earn income over the summer helping students prepare for the ACT, SAT, LSAT, MCAT or GRE.

Again, you can simply spread the word through friends and family to tutor locally, which means you can set your own rates. Or you can turn to a national organization that is regularly hiring, such as Kaplan Test Prep, where tutors earn anywhere from $ 17 to $ 28 per hour, according to Glassdoor salaries.

4. Teach Abroad

Why limit your summer job search to the U.S.? You’ll find many great opportunities for teachers to work abroad during the summer months.

While paid short-term positions can be hard to come by, volunteer programs, especially those teaching English, are plentiful in certain regions of the world — plus, you’ll get to travel. Some programs will even pay for your expenses. Go Overseas lists a ton of volunteer teaching opportunities abroad.

5. Coach Youth Sports

Coaching youth sports during the summer is another opportunity that allows you to continue working with and instructing children — just in a different way from your regular job. Sure, it’s not teaching long division, but spending the summer imparting athletic and teamwork skills to children can be just as challenging and rewarding.

Plus, you get to watch kids run around playing sports, which is always adorable. A 6-year-old in an oversized, bobbling baseball helmet? Forget about it.

Check with your community recreation centers, churches and camps to find open jobs.

6. Work as a Nanny or Baby Sitter

Technically, this isn’t a teaching gig, but as a nanny or baby sitter you’ll still be working with children and informally teaching them along the way.

You can either find a regular full-time nanny job working for parents who prefer that to traditional day care or just pick up baby-sitting gigs here and there when you feel like making some extra cash.

Start by spreading the word through friends and family, and be sure to mention your teaching position so you have an edge over teenagers willing to do the job cheaply. You can also check out sites like Sittercity to find jobs in your community.

Online Summer Jobs for Teachers

Woman works from home with her cat

Looking for a summer gig that earns you some extra cash — but doesn’t require leaving the house? We’ve got you covered.

7. Sell Your Lesson Plans Online

I love opportunities to leverage what you already have for passive income. You’ve already done the work. Why not make the most of it?

Take those lesson plans and worksheets you created during the school year and upload them to a site like Teachers Pay Teachers. You will earn 60% to 85% on each sale of your education resources. And this is an opportunity that can continue to bring in additional income year-round without any extra work.

“I only sell digital products, so I don’t have to mail anything,” Meredith O’Neill, a middle school teacher who sells her resources on the site, told us in May 2017. “The sale and the transfer of my work happens automatically. The payment goes straight to my PayPal account after TPT takes its cut. It’s extremely easy once your store is created and your work is loaded.”

8. Write and Edit Resumes

If you’ve got writing skills, you can earn extra cash writing and editing resumes. For some (read: a lot) of us, crafting a resume is like pulling teeth, and people are willing to fork out funds for a final product they feel will help them land a job.

This is a good summer job to pursue if you’re interested in part-time work that you can pick up on your own time.

Your personal network is a good place to start, and your teaching background will give you an edge. You can also list your services on freelance platforms such as Upwork, Thumbtack and Fiverr.

Fiverr user Charmaine Pocek started writing resumes and cover letters for $ 5 a piece. Within six years, she was charging $ 30 to $ 800 for her services and has since earned over $ 2 million through the site, according to Fiverr.   

If you’re interested but need a little refresher on resume writing, check out this step-by-step guide.

9. Work as a Website Tester

You probably already spend a good amount of time browsing the internet and using phone apps, so why not get paid for it? Companies want to know how users interact with their websites and what can be done to make them more user-friendly.

All you have to do is browse and navigate websites and then provide honest feedback. You won’t get rich testing websites — expect to earn between $ 5 and $ 10 for each test.

UserTesting pays $ 10 for every 20 minute test; UserFeel pays $ 10 for every 10-20 minute test; and User Test pays around $ 10 per review.

10. Look Into Work-From-Home Jobs

You spend the school year commuting, so consider spending the summer earning extra income from the comfort of your own home. You’d be amazed how many companies are regularly hiring work-from-home employees, and with such a broad selection you can find an opportunity that fits your skill set.

Customer service, copy editing, travel consulting, coding, part-time, full-time, seasonal, freelance: Honestly, the internet is your oyster. You can start with with our Work-From-Home jobs portal to find a gig.

And if you’ve never forayed into the remote work life before, take some time to go over our work-from-home guide. It covers topics such as insurance, scams, taxes and how to find a job that fits your lifestyle.

Summer Jobs in the Great Outdoors

Hardy Bender, 26, steers a raft on the Middle Fork of the Salmon River in Idaho.

It’s summertime and you probably spend the rest of year cooped up in a classroom. Why not spend your months off in the great outdoors and earning extra cash at the same time?

11. Camp Counselor

If you love fresh air and sunshine, consider getting a job at a summer camp.

Writer Amanda Simkin spent three summers working at a summer camp during her eight years of teaching. “Working at a summer camp is a great supplemental job because sometimes you just want to get away from the classroom and interact with kids in a more fun-focused and laid-back way,” she explains.

Here’s how she recommends you find a job. “I learned about openings through word of mouth, but nowadays you can use social media, such as park district websites, Facebook, even Craigslist to find openings,” she says. You can also check with your local YMCA, community organizations and churches.

12. Local Tour Guide

Know all of the hot spots and hidden gems in your city or neighborhood? Then consider becoming a local tour guide. It’s a great way to enjoy the weather, the scenery and good company (hopefully) while earning extra cash.

Another neighborhood-based gig that’s similar to becoming a tour guide is Yelp’s community ambassador program. The company hires people in each city to host events, partner with local organizations and act as an online moderator. It’s a flexible gig, usually 15 to 20 hours per week.

13. Whitewater Raft Guide

This is the perfect job if you want to work in the great outdoors but you’re also looking for an adventure. But be warned: The job is intense and physically-demanding. It also requires long hours and certain qualifications, depending on your state.

Hiring for river guides really amps up around June and July, and recreational hiring in general grows an average of 68% in the U.S. around this time, according to the Bureau of Labor Statistics.

The river-rafting season typically runs from June to September, making this a perfectly complementary job for teachers looking to earn a summer income. In fact, Idaho river guide Hardy Bender says a lot of guides seek out teaching jobs purely so they can have the summers off to hit the river.

14. Lifeguard

Like river guiding, this summer job for teachers gives you the perks of getting paid to enjoy the water and sunshine but in a more controlled environment.

Summer is the busy season, so check with city-operated pools, recreation centers, water parks and country clubs for seasonal lifeguarding jobs. Or if you’re blessed enough to live on the water, you can spend the summer working on the beach.

The pay for lifeguards varies depending on your location, skill level and employer, but you can earn anywhere from $ 9 to $ 25 per hour, according to Glassdoor salaries. Just remember, there are certain certifications and training to complete before you can get that telltale red suit and whistle.

15. Dog Walker

Honestly, who doesn’t want to get paid to hang out with dogs in their spare time? Well, maybe cat people… but they don’t count.

Start by offering your services to friends and family who don’t have the summers off. They may jump at the chance for someone to take their beloved pups out for a walk on long work days.

You can also sign up for Rover.

The online network connects dog walkers and sitters to local dog owners through its 4.9-star-rated app, so you don’t have to staple flyers on every utility pole across town.

Rover says sitters can earn as much as $ 1,000 a month.

Rover dog-sitter requirements vary by location. In general, you must:

  • Be 18 years or older.
  • Pass a background check.
  • Have access to the Rover app (iOS or Android).

Here’s how it works: You’ll create an online sitter profile where you’ll answer questions about your experience with puppers and your schedule availability.

You can choose to offer a variety of services, including dog walking, overnight boarding at your home or theirs, and daycare. Boarding is the app’s most popular service, so offering it can get you more gigs. You set your own rates. (Rover keeps a small percentage as a service fee.)

Dog owners will reach out to you. Accept which gigs you want, then start snugglin’ pups. As soon as you complete a service, you’ll be paid within two days.

And if you don’t want to just stick to dog walking, you can expand your services and become a full-blown pet sitter — check this out for more information.

Jobs That Offer a Change of Pace

Terence Michael is a Hollywood producer who also makes extra income as an Airbnb super host.

Maybe you want a summer job that breaks away from the standard tutoring gig. Here are some options all across the board, we’re sure at least one will catch your eye.

16. Drive for Uber or Lyft

If you want to make some extra cash without committing to a full-blown job, driving for Uber or Lyft is a legitimate option. Demand for ride-sharing has been growing like crazy, and it shows no signs of slowing down. To be eligible, you’ll need to be at least 21 years old with a year of driving experience, pass a background check and own a car made in 2007 or later.

We talked to Paul Pruce, who had been driving full-time with Lyft for over a year and earning $ 750 a week as a driver.

Best of all, he could do it on his own time. You can work days, nights or weekends — it’s up to you.

Because it’s easy to switch between apps, Lyft drivers often also sign up to drive with Uber.

17. Rent Out Your Driveway

No one wants to worry about feeding a meter while on vacation. If you live near an event center or stadium, rent out your driveway using sites and apps like JustPark or MonkeyParking — or go old school and simply post a “Parking” sign in front of your house. You may only earn $ 20 per day, but $ 20 is $ 20.

18. List Extra Space in Your House

Have a spare room? Might as well try to earn some money by listing it on Airbnb.

If you’re a good host with a desirable space, you could add hundreds — even thousands — of dollars to your savings account with Airbnb.

A few simple steps can make the difference between a great experience and a less-than-satisfactory one. We talked to Terence Michael, an Airbnb superhost based in Los Angeles.

Here are some of his tips:

  • Break out the labelmaker. “I have the entire house loaded with labels,” Michael says. “They look nice; they’re modern. This helps people feel less helpless.”
  • Be a good host, and stock your place with the toiletries you’d expect at a hotel — toilet paper, soap and towels. Here’s a little hack from Michael: “I order on Amazon and have it delivered when people are there.”
  • Be kind to your neighbors. “I say, ‘I’m not going to put anyone here who I think won’t be good for you,’” Michael explains. “And I turn a lot of big groups away, especially in Nashville. I don’t want anyone going to the cops or the city.”

(Hosting laws vary from city to city. Please understand the rules and regulations applicable to your city and listing.)

19. Rent Out Your Car

If you put Uber and Airbnb together and mix them up, the result is renting out your car for extra money. You’re earning extra income from your car, but in the passive way you rent out an extra room — you just have to be cool with strangers driving your car around.

One service to start with is Get Around. When signing up, you’ll list your car and its availability —plus, all cars on Getaround include primary insurance during rentals. Another to check out is TravelCar, a service that allows you to rent out your car while you’re on vacation.

20. Host Trivia

Consider yourself a “Jeopardy!” nut? Combine your love for trivia, wealth of teaching knowledge and ability to command a room to become a part-time trivia contest host. After all, coming up with a set up trivia questions isn’t too far off from crafting a quiz for your students.

Check with your local restaurants and bars to see whether they’re in need of a trivia host. Sure, you might find yourself working only one night a week, but it’s a fun way to flex your brain muscles and earn extra money.

This math teacher in Florida told us he earns $ 125 per week hosting trivia (and he also offers tips on how to do your best Alex Trebek impersonation).

21. Rent Out Baby Gear

Renting out baby supplies — what will they think of next? There seems to be a rental service for just about everything these days, and this one is great for anyone who can get behind earning some extra cash off of that unused baby stuff taking up storage space.

Companies like BabyQuip allow traveling families to rent strollers, car seats, cribs and other baby items instead of lugging around their own gear. So if you have baby equipment you’re not using, you can list it for rental.

Manuela Madrid, a stay-at-home mom in Brandon, Florida works less than 12 hours per month renting out her gear through BabyQuip, and earns between $ 120 and $ 180 with each fulfillment. BabyQuip users keep 80% of each reservation fee, but 100% of each delivery fee.

You can sign up for BabyQuip here, or check out these other options: Babies Getaway, goBaby and Traveling Baby Company.

22. Officiate Youth Sports Games

Aside from coaching, another way to get involved in youth sports over the summer is by officiating games. Plus, officiating gives you the involvement in local youth sports without having to offer as much commitment that coaching would demand.

One option is working as a youth baseball umpire, a gig that can earn you upwards of $ 50 per game, which are usually less than two hours long. Aside from directly reaching out to youth sport programs, you can reach out to your local umpire association to inquire about open positions.

Summer Jobs if You Want Some Me Time

Young man working in a start up office.

Look, if you want to spend your summer months catching up on some much needed alone time, we definitely don’t blame you. But that doesn’t mean you still can’t earn some extra money along the way.

23. Write Book Reviews

Here’s a dream scenario: Spend your summer months getting paid to stay curled up with a good book. Freelance book reviewing won’t give you J.K Rowling-level finances, but it’s a great way to earn extra cash while doing something you love — and were probably going to do all summer anyway.

How much you can earn will vary depending on the publisher and your skill level, but you can typically look to earn anywhere from $ 5 to $ 100 per review. Plus, you’ll probably get the book for free. Score!

Here are some reputable websites and publishers that will actually pay you for book reviews.

24. House Sitter

If your summer months are going to be spent picking up odd jobs and side hustles, house sitting will fit into your schedule quite nicely — and it’s a great opportunity for some alone time.

Whether you’re spending the night in the home or just stopping in for a short while each day to bring in the mail, house sitting is a pretty easy way  to put extra pennies in your pocket.

Sure, you can go through friends and family, but the chances of that avenue offering paid gigs is slim. Check out professional sites that can connect you with potential clients in your area, like HouseSitter.com.

25. Transcriptionist

A transcription gig is perfect for teachers who just want to throw on a pair of noise-canceling headphones and block out the world for a bit.

You can typically find transcription jobs in three categories: general, medical and legal. Note that the latter two might require additional training or requirements, but that will depend on the employer.

Most transcription jobs are independent contract work, so you can set your own hours and work when you want. Just note that transcriptionists are usually paid by the audio hour, so the amount you earn in comparison to hours worked will depend on your transcription fee.

26. Deliver Food

We already talked about driving for Uber and Lyft, and this is kind of the same thing… except you don’t actually have to talk to people beyond the “Here’s your food, you’re welcome, bye.”

Working for food delivery services gives you the opportunity to pick up side-gig work when you feel like earning extra cash — while enjoying some me time. Uber Eats offers flexible food-delivery opportunities, as do GrubHub, Instacart and Shipt.

Kaitlyn Blount is a staff writer at The Penny Hoarder. Angie Nelson has been a virtual assistant and serial blogger since 2007, when she took her future into her own hands and found a way to escape the corporate cubicle farm. Visit The Work at Home Wife to learn about more opportunities to earn an income while keeping your personal freedom.

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

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

The Penny Hoarder

BEST DEAL UPDATE:

Sam's Club Membership Offer

8 things you need to take away from this London Fashion Week

Well that’s a wrap. London Fashion Week is over for another season, and if you need a little recap, here’s what you’ve missed.

Karl Lagerfeld left us and the fashion world mourned

On the last day of London Fashion Week, it was announced that the legendary designer behind Chanel and Fendi had passed away. The timing meant all the fashion editors couldn’t cover the news as they were at the shows, but they held a minute’s silence at the last show of the schedule, at the BFC showspace, which Camilla also attended.

Karl Lagerfeld quotes

Victoria Beckham delivered a superb collection (and launched a Youtube channel)

VB truly pulled one out of the bag this season. Not only did she serve up a collection every woman wants to be seen in – think checked blazers layered over checked shirts, floaty dresses and a mix of neutral and bold colours – but she also launched a YouTube channel, which will give us an insight into her fashion, beauty and family. Oh and Harper Beckham’s new haircut also stole the show.

Victoria Beckham

Shrimps had its first runway show

After a few London Fashion Week presentations, Shrimps founder Hannah Weiland hosted her first runway collection, and it was one of the dreamiest things we’ve ever seen. There were silky dresses, oversized bags, shells and lots of faux fur of course.

Camilla championed sustainability

The BFC is very much pushing for sustainability this season. BBC Earth and Mother of Pearl teamed up to host a panel and launch a flagship collection inspired by BBC Planet and created using sustainable production methods to show how innovation and new technology can help us to reduce the impact of fashion on the planet.

And to close LFW, the Duchess of Cornwall presented the QEII award for design to Bethany Williams, who exclusively uses recycled materials in her collection.

Roksanda, Erdem and Rejina Pyo made us dream

Some of our favourite designers truly hit the sweet spot between OTT and wearable, dreamy and feminine. There were yellow feathered ballgowns at Roksanda, pointy collars, detailed embroidery and florals at Erdem, and gorgeous tonal separates at Rejina, who also had the most amazing accessories. Can we also talk about the fact the Erdem show started late because we were all waiting for Joan Collins to join the FROW? Legend.

Rixo partied with drag queens

For its Studio 54-inspired collection, Rixo took over Cafe de Paris, where models and drag queens dancedunder disco balls, wearing sequins and vintage prints. Joyful.

Aspinal was delightfully British

The likes of Olivia Palermo and Amber Le Bon helped Design Director Giles Deacon and Creative Director Mariya Dykalo celebrate the new collection, which featured quintessentially British motifs such as the Queen’s guards and dogs.

adidas Originals entered the LFW schedule

adidas Originals debuted its collection with New York designer Ji Won Choi, which took place in Hawley Wharf – a never before used location in underground Camden. The collaboration with Ji Won Choi is the third in a series of collaborations with emerging female designers who reimagine adidas’ design identity.

 

The post 8 things you need to take away from this London Fashion Week appeared first on Marie Claire.

Marie Claire

BEST DEAL UPDATE:

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

New recommendations say not all women need genetic testing for cancer. Critics say it could cost lives

Primary care providers should screen women for personal, family and/or ethnic history of breast, ovarian, tubal or peritoneal cancer to decide who should undergo genetic counseling for BRCA1 and BRCA2 mutations, the US Preventive Services Task Force recommended Tuesday. The mutations increase a woman’s cancer risk.


CNN.com – RSS Channel – Health

BEST DEAL UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

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

What you need to know about Victoria Beckham’s show (and her new YouTube channel)

2019 could be VB’s biggest year yet

Victoria Beckham

Victoria Beckham’s second LFW show took place yesterday, with her whole family in the audience and at which her daughter Harper debuted a brand new bob haircut.

Making her London debut last year after several at New York Fashion Week, VB returned to the city to showcase her AW19 collection at the Tate Britain.

Models’ skin was prepped with massages by renowned facialist Nichola Joss before applying The Cream by Augustinus Bader. The result was a glowing, flawless complexion that, according to Joss, would set them up for a busy day of shows.

Make-up legend Pat McGrath and her team perfected the glow before models hit the catwalk, showcasing a collection of comfortable and chic tailored pieces that perfectly captured how the modern woman wants to look (and dress).

Victoria Beckham show

The show was broadcast live on giant screens in Piccadilly to mark the launch of VB’s new YouTube channel, which will be an insight into all things fashion, beauty, and even the Beckham family will make an appearance.

The channel comes as Victoria’s friend, Derek Blasberg, has recently been appointed YouTube’s fashion and beauty director.

‘When Derek approached me, I thought it would be a great opportunity to educate myself and really understand the platform,’ she told Vogue after the show. ‘The videos are going to be everything from fashion to beauty, and my family will be in there as well.

‘I think you’ll get the opportunity to see the real me: me at work, me with the kids and what it’s like being a working mum.’

2019 is going to be pretty mega for VB, who is also about to launch her own make-up line Victoria Beckham Beauty.

Watch this space for Victoria Beckham’s biggest year yet.

The post What you need to know about Victoria Beckham’s show (and her new YouTube channel) appeared first on Marie Claire.

Marie Claire

BEST DEAL UPDATE:

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

Why Food Allergies Need To Be Taken Seriously

Last month, there was a news report about an 11-year old boy who died after a severe allergic reaction to fumes from the fish his grandmother was cooking. His father tried to give him his asthma medication but the nebulizer wasn’t enough to help him as he was gasping for air.

That just underscored the importance of understanding the seriousness of food allergies. While they are not always fatal, they can be. Here’s more information about allergies and how to be safe if you or your child suffers from them.

We’ve heard of allergic reactions from eating something but you can actually die from breathing fumes?

Yes parvalbumins in fish and tropomyosins in shellfish are responsible for the majority of immunoglobulin e (ige)-mediated allergies.

Under what circumstances can an airborne reaction to a food occur?

Symptoms of asthma increase sinus allergic rhinitis symptoms, or dealing with an active infection.

What would be a reason for an Epipen or nebulizer not working to relieve symptoms?

If there is a high allergen load or if there is an underlying illness that the young man or that anyone was dealing with. Asthma is a very strong predisposing factor.

How can we prevent tragedies like this from happening?

An underlying illness such as asthma should be well controlled. Any signs of infection should be treated aggressively as well by seeking appropriate medical attention; strict avoidance of the offending food; preparing own food; take long-acting antihistamine before accidental exposure; carry self-injectable epinephrine (2 doses), fast-acting antihistamine, and albuterol inhaler; wear Medic-Alert® identification.

What are some common airborne food allergies?

Wheat, soy, peanut, tree nut, shellfish, fish, milk, egg

 How are allergies diagnosed?

History & physical, skin testing, blood testing, oral challenge

Seasonal allergy symptoms are often very similar to a cold. How can you know the difference?

Typically allergy symptoms can get better with antihistamines. It is easier for people with allergies to get a cold.

If your mate eats something that you’re allergic to, how much time should you wait before a kiss? 

Depends. The allergic patient has to verify that mouth is thoroughly clean and even then there are no guarantees(they can have reflux from stomach causing anaphylaxis in the spouse/significant other). The patient has to have epinephrine on hand, fast-acting antihistamines, i.e. Benadryl, inhalers for asthma, etc.

Can other problems develop if an allergy is undiagnosed?

Yes. Allergy can lead to hives, sinus problems, acne, eczema, reflux and GI problems, swelling of mouth and lips, and asthma.

Do people outgrow allergies?

Some people do. Most children outgrow food allergy to soy, egg, milk, and wheat. Not necessarily for fish and shellfish as well as peanut and tree nut. Some allergies to indoor and outdoor inhalants can become dormant but then return later in life.

How often should you visit an allergist?

Everyone should visit an allergist at least once in their lifetime. For active problems such as asthma, we see patients every 3 months. For food allergy, we can now treat with close follow-up.

What treatment options are available for allergies?

For asthma, allergic rhinitis, and allergic skin diseases, we can perform skin testing, figuring out what allergic responses you have, then using this test to prepare an allergy serum for desensitization. In addition, we can perform oral desensitization treatment for food allergies, consisting of giving you small doses of the food and increasing over 6-9 months and desensitizing you so you can eat that particular food.

For those with severe allergies, will insurance cover the cost of the medication?

Yes, depending on your insurance plan.

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

Life & Style – Black America Web

BEST DEAL UPDATE:

China Very Badly In Need Of Trade Deal With U.S.: Trump

President Donald Trump has said China wants a trade deal with the United States very badly, and indicated that the deadline to reach a trade deal with China could be extended if the talks are making good progress. “Now, if we’re close to a deal where we think we can make a real deal, and it’s going to get done, I could see myself letting that slide for a little while. But generally speaking, I’m
RTT – Political News

BEST DEAL UPDATE:

5 Workwear Pieces You Need to Get Rid of ASAP

how-to-know-when-to-throw-out-workwear

A while ago, I saw a fun piece on Well + Good called 5 Activewear Pieces You Need to Get Rid of ASAP, and I thought it was interesting enough that we should do our own take on it. These are my best suggestions for the five kinds of workwear pieces you need to get rid of ASAP — what are yours? In general, how do you know when to throw out workwear?

(Throughout this post, I’ve tried to sprinkle suggestions for recycling rather than trashing, as well as adding to the Further Reading section below, but stay tuned: We’ll do a separate post on the best ways to recycle your workwear, because there’s a lot of info. In general, note that each location of Dress for Success has its own guidelines for what they’ll accept; H&M will always accept old clothes for recycling from any brand in any condition in exchange for a coupon; and some cities have special options for recycling clothing. See, for example, this post on the partnership between NYC’s Department of Sanitation and Housing Works, or this piece on clothing recycling in North Carolina — both will hopefully give you a good idea of what to Google in your city.)

This post contains affiliate links and Corporette® may earn commissions for purchases made through links in this post. For more details see here. Thank you so much for your support!

1. Workwear Pieces to Get Rid of ASAP: Anything That Can’t Be De-Pilled.

Take a good look at your pieces made of ponte, tweed, and other knits. On dresses, you may see pilling on the armpits and seat; on pants, you may notice it along the inner thighs as well as the seat. A de-pilling device like this or even this (affiliate link) can work wonders — but if not, it’s probably time to throw the piece away.

2. Anything That Came Back Yucky From the Dry Cleaners

When older suits made of triacetate start coming back “shiny” in spots (particularly at the seams), that can be a sign the garment has seen better days. We’ve talked about how to deal when your clothes smell and drycleaning just doesn’t help, as well, with a lot of great reader suggestions in that post.

3. Anything with Stains That Don’t Come Out

Oil/grease stains, printer ink stains, bleach stains — sometimes you just can’t save an item. Depending on where the stain is, however, you (or some savvy thrift store shopper) may be able to repurpose the piece.

4. Undergarments That You’re Not Wearing Anymore

This one may be a stretch for workwear, but if you have a big division in your lingerie drawer between “daytime/office lingerie” and “date night/bedroom lingerie,” it may be worth assessing separately. Note that sometimes you can donate old bras — Soma often offers a percentage off if you bring in an old bra for donation and is actually holding a donation drive right now. Otherwise, eye them with suspicion and get them out of your closet — even if you’ve kept stuff in hopes of changing sizes, because unfortunately, items with elastics and a high component of stretch in the fabric do not hold up well over time. (Update: It looks like H&M and other clothing recycling programs will even accept old (clean) underwear, so… yay!)

5. “Fast Fashion” Shoes and Bags That Are Falling Apart

We’ve rounded up vegan shoe brands in the past, and there are shoe care products designed for these kinds of shoes — but if you’ve bought ultra-budget shoes from Payless or other fast fashion brands (I’m thinking Zara, Topshop, H&M, Mango, etc.), then a scuff, rip, or other minor damage could be fatal to the shoe and render it unwearable for anyone. Do check out Soles for Souls, though, and see if there’s a donation spot nearby. (I’m curious if anyone’s company has a drive for these kinds of things so that you can make donations en masse!)

Over to you guys: What are your best tips on how to know when to throw out workwear? When you donate old workwear, where do you donate it? When you recycle old workwear and other clothes and textiles, where do you recycle?

Further Reading:

  • An Illustrated Guide to Donating and Selling Old Clothes [Real Simple]
  • Clothing Stores that Recycle Donations [PureWow]
  • Where Can I Donate Business Suits I Don’t Need? [The Balance]
  • Find Your Local Dress For Success Affiliate [Dress For Success]
  • How to Recycle Old Clothing (Even Ratty Ass Old Underwear) [Trash Is For Tossers]
  • How to Recycle Corporate Workwear [RecycleNow]
  • Where to Donate Used or Old Clothes to Charity [Moneycrashers]
  • What Really Happens When I Put My Clothes in a Donation Bin? [Grist]

Stock photo via Deposit Photos / londondeposit.

 

The post 5 Workwear Pieces You Need to Get Rid of ASAP appeared first on Corporette.com.

Corporette.com

BEST DEAL UPDATE:

2019 Sundance Film Festival: The 10 Movies You Need To Watch Out For

2019 Sundance Film Festival: The 10 Movies You Need To Watch Out For

The Sundance Film Festival made somewhat of a comeback in 2019, with many praising the fest for a lineup of movies that brought many buyers to the table. There were several high-profile acquisitions this year, thanks to a film slate that could be described as more accessible to general audiences, featuring movies that are sure to have a life beyond the arthouse cinema. 

Fandango spent several days in Park City, Utah at this year's festival, and we watched a whole ton of movies….

Read More

Read Comments

Fandango Movie News

MOVIE APP UPDATE:

‘Hobbs and Shaw’ and all the other new movie trailers you need to see this week

New Trailers

It’s Super Bowl weekend, movie fans, which means we’re about to get a bunch of new trailers for all sorts of coming attractions. That includes Avengers: Endgame (which is probably going to get a TV spot during the big game), but also plenty of other films. Therefore, it’s no surprise that the studios didn’t release that many new trailers this week. We do, however, have the first trailer for Hobbs & Shaw, as well as a few others exciting teasers for you.

Opening this week, we have Miss Bala, an action flick about a woman caught between the cartel and the police, as well as Arctic, a story about a man stranded at the Arctic after a plane crash, looking for a way out. A better choice might be Velvet Buzzsaw, which is launching in living rooms and bedrooms around the world, as it’s a Netflix creation.

Continue reading…

BGR Top Deals:

  1. Amazon sale shaves almost $ 100 off Sony’s insanely popular 1000XM3 noise cancelling headphones
  2. Nest is still the best when it comes to smart thermostats, and it’s discounted today on Amazon

Trending Right Now:

  1. 4 excellent Netflix original shows that might get canceled next
  2. Samsung just accidentally revealed its Galaxy F foldable phone in a huge video leak
  3. ‘Avengers: Infinity War’ created a hilarious ‘Star Wars’ paradox that only Spider-Man can fix

‘Hobbs and Shaw’ and all the other new movie trailers you need to see this week originally appeared on BGR.com on Sat, 2 Feb 2019 at 13:09:42 EDT. Please see our terms for use of feeds.


BGR

BEST DEAL UPDATE:

All Deals on HP, Dell and Lenovo!

What You Need To Know About Your Thyroid

January is National Thyroid Awareness Month. The thyroid gland is a butterfly shaped organ located in the base of your neck. It releases hormones that control metabolism— or the way your body uses energy.

What is thyroid disease?

Any condition that affects the normal function of the thyroid gland, causing too little or too much production of thyroid hormone. Thyroid disease can also include enlargement of the gland, called a goiter, or development of lumps in the gland, called thyroid nodules.

Why is the thyroid important?

It produces thyroid hormones that are critical in controlling the body’s metabolism by impacting every organ. Thyroid hormones help the body use energy, stay warm, and keep the brain, heart, muscles, and other organs functioning properly.

What is a thyroid nodule and how common are they?

It is an abnormal growth of thyroid cells causing a lump in the thyroid gland. They are common and increase with age.

 Why is it important for African-Americans to have thyroid nodules detected and biopsies early?

The majority of thyroid nodules are benign and do not cause symptoms; however, some thyroid nodules contain cancer. While thyroid cancer rates are similar in Blacks compared to whites; however, we are more likely to have larger tumors that have a less favorable pathology; lower 5-year survival, and higher overall thyroidectomy complication rates. It is therefore crucial to have nodules detected earlier before they enlarge from cancer, which can spread to lymph nodes in the neck.

Can thyroid disease be prevented?
Most thyroid disease in the United States (both hypothyroidism and hyperthyroidism) is caused by autoimmune disease where the body makes proteins against its own thyroid cells, either destroying them (as in hypothyroidism) or stimulating them (as in hyperthyroidism/graves’ disease). We do not yet know how to prevent the development of antibodies against the thyroid.

 Is thyroid disease hereditary?

Some autoimmune diseases of the thyroid, like Hashimoto’s thyroiditis and graves’ disease does run in families. Certain types of thyroid cancer can run in families as well.

 What are different types of thyroid disease and their symptoms?
There are two primary categories of thyroid disease.

  • hypothyroidism, where the thyroid gland is underactive and not making enough thyroid hormone—so everything slows down. Symptoms include feeling cold, fatigue, dry skin, forgetfulness and depression, and constipation.
  • hyperthyroidism, where the thyroid gland is overactive and making too much thyroid hormone—so everything speeds up. Symptoms include racing heart, nervousness and irritability, sweatiness, tremors, anxiety, warm skin, difficulty sleeping, thinning of hair and skin, muscle weakness, weight loss, and menstrual irregularities.

 How often should you get your thyroid checked?

Everyone should have their thyroid physically examined by a physician once/year and have a tsh checked. This hormone stimulates the thyroid gland and if it is too low or too high, it can be an indication of thyroid disease.

If thyroid disease goes undetected what other health issues can it cause?

Severe hypothyroidism can cause severe swelling, impaired mental function, electrolyte abnormalities, hypothermia (low body temperature), and an extremely low heart rate.

Severe hyperthyroidism can cause severe weight loss and muscle wasting, heart failure, and life-threatening abnormal heart rhythms.

Both extreme conditions require hospitalization and immediate treatment.

 Does most insurance cover the cost for treatment?

Insurance covers thyroid hormone replacement for individuals with hypothyroidism (underactive thyroid). Insurance also covers the treatments for hyperthyroidism (overactive thyroid)—medications, radioactive iodine treatment, and/or surgery.

 What causes a goiter?

In the United States, the most common cause is Hashimoto’s thyroiditis, which causes autoimmune destruction of the thyroid gland, resulting in hypothyroidism. Another common cause is Graves’ disease, another autoimmune condition in which the body produces a protein (antibody) that stimulates the thyroid gland and causes it to enlarge and produce too much hormone, resulting in hypothyroidism.

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

 

Life & Style – Black America Web

BEST DEAL UPDATE:

Ready, set, file: Here’s what you need to know to file your 2018 tax return

The only certainty is death and taxes: The 2018 filing season will kick off on Monday, Jan. 28, even amid the shutdown. Here's what you need to know to make the process a little less painful.
Wealth

BEST DEAL UPDATE:

The Street

SPECIAL DEAL UPDATE:

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

Risha Grant: Black Women Need Allies in the Workplace

Risha Grant, the founder and CEO of Risha Grant L.L.C., an award-winning diversity and inclusion consulting and communications firm, recently posted a thought-provoking and provocative question on her Facebook page:

What do Black people do that irritate White people?

The responses from white people evoked counter-responses from black folk ranging from seething outrage to an appreciation for this open dialogue. You can read them here: 16 THINGS BLACK PEOPLE SAY OR DO THAT ANNOY WHITE PEOPLE AT WORK (AND IN GENERAL). 

However, Grant is not simply being a provocateur. For the past 18 years, she has helped major corporations tackle their people problems and solve their diversity and inclusion issues. Now she wants to help you form the relationships you need by equipping you with tools to build allies.

In an exclusive interview with Black Enterprise, Grants speaks about how black women can tap into their power and eliminate what she has coined Bias Synapse, easily remembered as BS, in the workplace.

 

The Foundation of Allyship

 

Black Enterprise: Why is building allies at work critical for black women?

Risha Grant: Black women are commonly and unfairly stereotyped as angry and uncompromising. Building a support system of allies is critical in keeping those misconceptions in check. Additionally, building authentic relationships with other co-workers can help you to excel simply because these allies will understand, support, and speak up for who you are and how you operate. From a collaborative standpoint, working with allies allows others to experience your work ethic, creativity, and problem-solving ability. This will provide your allies with the knowledge needed to tout your abilities to the leaders within your company.

In an earlier conversation, we spoke about some of the pillars of alliances being authenticity, communication, and trust. What else would you say is key to the equation of allyship?

Collaboration, strategy, and equality. All these pillars are instrumental to the success of creating allies, but collaboration is the secret sauce to creating an allyship that will boost you to the C-suite. Collaborating allows others to truly understand your superhero powers as they see you fully flexing your leadership muscles. When it comes to strategy, it’s important to always have one. The strategy keeps you on point in recognizing who you should be seeking out as allies. Create a list of the qualities and abilities you need in an ally to climb the next step on the corporate ladder. Equality is super important because being someone’s ally can be draining at times. You want to make sure that you are reciprocating what you expect from others. There is nothing worse than becoming a drain on someone else in your quest to get ahead but when you are needed, you never have time to fit them into your schedule. Make sure you are equally vested in your ally’s success. Not only will it make them want to support you more, but it will also become a point of praise regarding your personality.

[RELATED: 27 THINGS WHITE PEOPLE SHOULD NEVER, EVER SAY TO THEIR BLACK CO-WORKERS]

How can women form authentic relationships with their co-workers?

Being open, honest, and inclusive are the keys to building authentic relationships. Women, especially black women, may find this somewhat difficult because we have not typically found that we can trust people at work. We tend to lean on and confide in other black women because we are comfortable with them but it’s important that we open our circle up and give people a chance to experience our greatness. This is done through the inclusion of others. Opening yourself up to new experiences will enrich your work and personal life. Authentic relationships should happen organically but there is nothing wrong with planning your strategy for success. Be careful with honesty. Honesty is important but brutal honesty without tact does not build relationships, it destroys them. Meet people where they are. That means, address them with your honesty in a way that it can be received with grace and not humiliation.

Getting past the BS

 

Some women have been mistreated in some form by co-workers, how can they move past that so that they can build some kind of trust and positive working relationship?

Grace. I heard it said that the hardest thing we will ever do as humans is to forgive people who have never asked for our forgiveness. It’s important to do this for our own peace and success. You can’t build trust without forgiveness, so don’t make that your goal. Understand who you are dealing with and then work with this co-worker in a way that makes you comfortable. You can certainly still build a positive working relationship but keeping work at the forefront is instrumental to your own level of comfort. Learn to manage through your co-worker’s weaknesses for your success and that of your team.

Can you elaborate more on what you call the “pecking order” when it comes to how black women have to select allies in the workplace?

Black women must be strategic but bold in selecting allies. White men are at the top of the hierarchy and everyone else falls in between while black women are consistently at or near the bottom of the hiring and promoting pool. Black women need to focus on finding an ally that will not be envious or have the scarcity mentality. This means that certain people feel there is not enough to go around so becoming your ally could stop them from achieving some level of success. I recommend creating allies with white men, but it needs to be white men who recognize the power and privilege bestowed to them because then they are powerful allies. They can move mountains to support you and won’t worry about how it will affect their upward climb. But, remember you always want to give back what you are getting.

Allyship is a two-way street

 

How can women stand with their allies when tough times arise and still protect themselves?

This is tricky. At best, you may lose standing at work with your peers and at worst, you could lose your job. This is where ethics and character take center stage. We must support each other and typically suck at it. There is power in numbers and you never know when you will need someone to stand with you. Be a voice when someone is silenced but most importantly as you stand courageously with your ally, do so respectfully but document everything. It’s better to show it than to tell it.

What are some of the office behaviors that people should stay away from as they seek allies?

Pissy Polite people! This is a phrase I coined in my book to define consistent but subtle actions that poison work environments and co-workers. These are seemingly polite people, but their actions are accompanied by a subtle sarcastic undertone that makes it apparent that they don’t really like you or it’s a behavior exuded by individuals who feel obligated to be polite but can’t fake a sincere action. Overall, follow your gut instincts and not the office gossip. You could miss out on a powerful ally and friend if you don’t get to know people for yourself.

The return on relationships

 

What are some of the doors that open when you have allies?

Leadership opportunities, friendships, more responsibility, promotions and an overall, more positive work experience because you know someone is down for you and wants to see you succeed.

 

To learn more about how you can form allies, meet us at the Women of Power Summit for a timely conversation, “Can’t We All Just Get Along? How to Cultivate Diverse Allies” hosted by Pfizer on March 1 in Las Vegas.

The post Risha Grant: Black Women Need Allies in the Workplace appeared first on Black Enterprise.

Career | Black Enterprise

EMPLOYMENT UPDATE:

The best vegan handbags you need on your radar

vegan handbags

At the British Fashion Awards, Meghan Markle said that whilst it was once ‘cool to be cruel’ in the fashion world, it was now ‘cool to be kind’.

Major labels such as Chanel, Gucci, Burberry and Tom Ford have pledged to stop using fur and exotic skins in their collections, while others are making a conscious decision to only using leather as a by-product to the food industry.

However, more and more people are now going one step further and turning to products that don’t use leather altogether, and if you’re in the market for a vegan handbag, there are plenty of chic designer and affordable options out there.

Vegan designer handbags

It’s impossible to mention vegan designer bags without mentioning Stella McCartney, who’s been pioneering ethical fashion her whole career. She is one of the only designers who only uses vegan leather throughout her collection, for example made out of recycled plastic from the world’s oceans.

Of course, you can buy fabric and faux leather bags from most designer brands which aren’t exclusively vegan across board, though they sometimes use non-vegan products such as animal-based adhesives. Some great designer options include Jill Milan, Poppy Lissiman and Arran Frances, who are launching their first cruelty free collection in March, with a view to soon being a 100% cruelty-free and animal-friendly leather, with a focus on sustainability through longevity.

Vegan leather handbags

Contrary to the name, we’re obviously not talking animal skin here, but different materials made to look like it. According to PETA, ‘most vegan leather is made of polyurethane, a polymer that can be made to order. It can sparkle, have a nice glossy sheen, or be saturated in all kinds of shades.’

Affordable vegan handbags

Because real leather is expensive, vegan leather tends to be more affordable, especially if you look to high-street brands. Matt & Nat, Doshi, Wilby Cluth and LaBante all have great sub-£100 clutch bags, backpacks, tote bags and more.

Shop our edit of the best designer and affordable vegan handbags below.

The post The best vegan handbags you need on your radar appeared first on Marie Claire.

Marie Claire

BEST DEAL UPDATE:

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

Giving children the skills they need to tackle life’s toughest challenges

Mental health is not just an adult issue. According to the Centers for Disease Control and Prevention, suicide rates have tripled over the last 15 years among girls 10 to 14 years of age in the United States. More detailed analyses of the data only paint a bleaker picture for some minority populations.
Child Development News — ScienceDaily

SPECIAL DISCOUNT DEAL UPDATE:

Mountain rescue: Why bothies need a helping hand – a photo essay

Bothies, free to use by anyone out in remote parts of the UK, are more popular than ever. But they’re maintained by veteran volunteers and need younger blood if they are to survive for future generations

The Mountain Bothies Association (MBA) is a charity made up of volunteers who maintain more than 100 remote shelters across England, Wales and Scotland. It was founded in 1965 by Bernard Heath after he spotted a remark in the visitor book at the Backhill of the Bush bothy in Galloway Forest park, suggesting the setting up of a club to save a growing number of deserted farm buildings from ruin.

Continue reading…
Travel | The Guardian

TRAVEL DEAL UPDATE:

Design Trends and Real Estate: What You Need to Know

As this year draws to a close, the excitement is starting to build for a new year, and for the chance to start fresh with inspirational new trends, colors and styles. Finding the right balance between modern and trendy, while still protecting your home’s equity and appealing to a wide range of buyers, can be tricky. Here are some tips to help you navigate these decisions.

KEEP FIXED ASSETS NEUTRAL Fixed assets such as cabinets, flooring, exterior finishes and tile are more likely to become outdated and cause future buyers to be put off by what they see as a lot of extra work and expense to update.

PLAY WITH PAINT AND WALLPAPER Wallpaper and bold paint, especially in smaller spaces, can add immediate personality and style to a home, but can easily be changed out. Removable wallpaper can range from colorful dots that add whimsy to a nursery to large scale floral murals that add drama to a living room wall.

HAVE FUN WITH ACCESSORIES If there is a trend out there that makes your heart sing, go for it! Cushions, art and accessories are the quickest way to showcase the latest trends without breaking the bank. If the trend you love isn’t popular among buyers, the items can be removed when you do put your home on the market!

THE RULE OF THUMB If it is difficult or expensive to change, stick to more timeless choices. If it is easy or inexpensive to change, embrace whatever trends make you happy! Working with your local real estate and design professionals can help you make the right color, trend and design choices so you can love the home you live in now, and provide an appealing property lifestyle for future buyers! – Text by Karina Strachan, RE/Max Crest Realty, www.remax-crest-vancouver-bc.com

The post Design Trends and Real Estate: What You Need to Know appeared first on Home Trends Magazine.

Home Trends Magazine

BEST DEAL UPDATE:

Women’s March 2019 celebrity speakers, locations and everything else you need to know

What to know about the 2019 Women’s March and related events.
FOX News

SPECIAL NEWS BULLETIN:

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

<

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

SPECIAL DONATION REQUEST UPDATE:

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

The Microsoft-Walgreens deal is the latest tie-up among two industries that need each other

Health care companies and tech companies are working together these days to combat the threat from Amazon.
Health and Science

U.S.HEALTHCARE 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!

Kyler Murray declares for the NFL draft: Everything you need to know

Murray has declared for the NFL draft. Can he still play baseball? What are the key dates to pay attention to? Here’s what you need to know.
www.espn.com – NFL
TICKET UPDATE NEWS:

Ticketclub.com 125% Money Back Guarantee! Once Your Order is Accepted, We Guarantee Your Tickets Will Be Valid and Shipped in Time for The Event!

5 Songs You Need to Listen to This Week

Lana Del Rey gives us another taste of her upcoming album on the spare but poetic new “Hope is a dangerous thing for a woman like me to have – but I have it,” a five-and-a-half-minute meditation. ILoveMakonnen returns with a casually upbeat new tune for a night out, bringing along Gucci Mane for the ride. Calvin Harris and Rag’n’Bone man bring soulful bounce to a new house track; Ariana and the Rose drops a vibrant video to go along with her dance tune “Night Owl;” and Nick Waterhouse finds a timeless throwback style on the debut single of a new album.


Entertainment – TIME

ENTERTAINMENT DEAL UPDATE:

1.11.19 Computer home appraisals; TikTok app is big with kids – here’s what you need to know

Computer home appraisals might be coming soon. Clark and Producer Joel discuss the pros and cons of this potential change; TikTok is surging in use among kids. Clark tells you what to watch out for if your kids are using this app.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Watch the video

The post 1.11.19 Computer home appraisals; TikTok app is big with kids – here’s what you need to know appeared first on Clark Howard.

clark.com

BEST DEAL UPDATE:

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

‘Start Here’: Trump speaks from the Oval. What you need to know to start your day.

It’s Wednesday, Jan. 9, 2019. Here’s what you need to start your day.
ABC News: Top Stories

SPECIAL NEWS BULLETIN:

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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

SPECIAL DONATION REQUEST:

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!

Richard Madden rules out series two of Bodyguard before 2020 as crew ‘need a break’

BODYGUARD fans will have to wait until at least 2020 for a second series, according to one of its stars.

Richard Madden, 31, has dashed hopes of returning to the screens as protection officer David Budd anytime soon.

Bodyguard fans will have to wait until at least 2020 for another series., according to Richard Madden
BBC

He told the Daily Mail: “Budd needs a break a sort his life out.

“You just can’t slap a script together and throw it onto the screen.

“It has to be carefully thought through. First of all, what is the story?”

Richard won a Golden Globe for best actor in a TV drama this weekend for his role on the Bodyguard.

Richard Madden has become a firm favourite on Bodyguard
BBC

His star is rising and he has even been linked with taking over the role of James Bond.

Richard’s ever rising popularity also means the show may risk him not being available.

He added: “What’s the next step for a character like David Budd? The thinking is for all of us to have a break and come back to it fresh maybe in a year or so.

“I enjoyed playing him and I think the public liked him. We’ll get together and see what’s there.”

Richard kept a tight hold of his Golden Globes as he circulated the party
Rex Features
Idris Elba and Richard share a laugh at Netflix’s Golden Globe Awards after party. They’ve both been linked with taking over the role as James Bond
Getty – Contributor

Bodyguard creator Jed Mercurio revealed he’d be interested in returning to the political thriller.

He told the Daily Mirror: “I have got some ideas for a second series, but it is worth waiting until the run is finished to see which bits worked and which bits didn’t work for the audience.”

After the last episode ended on September 23, 2018, The Sun exclusively revealed that Jed is writing FOUR spin-off shows from Bodyguard.


After Juliet was killed in an explosion in episode four there has been much speculation that Julia is still alive.

The theory was strengthened after eagle-eyed fans spotted that Keeley Hawes was listed on the Internet Movie Database (IMDB.com) as appearing in the final episode.

But however, there was no sign of her in the season finale and she is in fact really dead.


Got a story? email digishowbiz@the-sun.co.uk or call us direct on 02077824220.

We pay for videos too. Click here to upload yours.


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

BEST DEAL UPDATE (UK):

‘Unexampled Courage’ Is The Civil Rights Book About the 1940s You Need to Read Now

Photo Illustration by Elizabeth Brockway/The Daily Beast

Americans have begun to talk once again about Atticus Finch, the heroic small town Alabama lawyer in To Kill a Mockingbird. The Aaron Sorkin play based on the classic 1960 novel by Harper Lee is the biggest hit on Broadway. It stars Jeff Daniels as the attorney moved by his conscience, human decency, and faith in the rule of law to defend a black man wrongly accused of rape in the 1930s.

Good. We need reminding in today’s America that lynch law—which we like to think is a thing of the past—always had another side: the kind of taken-for-granted easy-to-live-with racism white people were used to in the South of “Mockingbird.” And we should be aware as well that those attitudes never were limited to Southerners. A lot of Donald Trump’s followers clearly wish they could return to a world where white men were men, and all others were something less.

But for all the virtues of Harper Lee’s novel or its new Broadway incarnation, they are fiction. And history can teach us more if the stories are well told and the facts are clear.

Read more at The Daily Beast.

The Daily Beast — Books

BEST DEAL UPDATE:

Buy 2 Get 1 Free on fiction and non-fiction at booksamillion.com — Shop Today!

Things you absolutely need to pack for a winter vacation

ADVERTISEMENT


Packing for the winter holiday can be a bit overwhelming. There are many clothes and other things you need to be comfortable in the cold. How do you make sure you have everything you need at your destination? Fortunately, the tips in this article will help you to pack your suitcase for a cool winter vacation.

Clothes

During winter holidays, it is important to bring clothing that allows you to dress in layers. You should start with a base layer of a light shirt that can have either long or short sleeves. You can put a long-sleeved shirt over it, and then a sweater or fleece over that. In addition to these shirts, you can wear a waterproof or windproof shell to keep you warm and dry. If you dress in layers, you can add or remove a layer depending on weather and comfort.

Shoes

While shoes can be heavy and you may only pack so much, you should make sure you have good quality footwear. Your feet are exposed to the weather during the winter holidays, so you want something that will keep you warm and look good. Look for dark shoes so they will not stain. Also, bring shoes that are weatherproof.

Choose warm, comfortable boots

Again, you do not want to get cold feet on your trip, so bring boots to keep your toes nice and comfortable and keep frostbite in check. Today, there are a variety of winter boots on the market, and you can take your pick depending on your preferences. If you want to take a long walk, make sure you are looking for comfortable boots. If you are looking for a heel, we recommend the use of wedge boots – they are a great way to give you more height and style without sacrificing comfort.

Hats

A good hat can keep you warm. However, the hat must meet some general requirements. A good travel cap should cover your ears and part of your neck. It should be made of modern materials that are warm and provide maximum coverage. Choose your hat carefully to keep your head (and the rest of your body) warm.

Gloves

Progress has been made with materials and products to keep us warm and dry. You no longer have to rely on heavy gloves to keep your hands warm. You will find gloves that are warm and waterproof but still take up little space in your luggage or bag. If you are looking for the right gloves for your vacation, look for those that are fast drying, weatherproof, lightweight, and breathable.

Accessories

Sun protection is required both in winter and in summer. The sun reflects off ice or snow and can cause sunburns. The reflection of the sun can be very bright as well. That’s why you should make sure to bring polarized sunglasses. If you are vacationing in bad weather, you should bring a scarf. Scarves are usually light and small enough not to lend volume to a suitcase, but warm enough to keep you cozy in cold weather.

If you pack properly for your winter vacation, you can have a comfortable stay no matter where you are. Use the tips provided here and you will feel warm and happy while traveling.

ADVERTISEMENT

The post Things you absolutely need to pack for a winter vacation appeared first on Worldation.

Worldation

BEST DEAL UPDATE:

Brilliant $28 iPhone XS battery case loses all the bulk when you don’t need to charge

iPhone XS Battery Case On Amazon

Apple’s iPhone XS is a terrific phone in so many ways, but there are a few things we’d like to see improved. Of course the biggest issue with any phone is battery life, and the same can be said of the XS. Battery life is the sort of thing you can never have enough of. While the iPhone XS can easily take you though a normal day of relatively light phone usage, there’s no way it can power through a very busy day. That’s where the UGREEN Battery Case Portable Charger comes in. It more than doubles the amount of time you can go between charges, and it’s only $ 28 right now on Amazon. The coolest thing about this particular case is that if uses wireless charging and a magnetic battery pack, so when you don’t need extra battery life you can remove the battery pack and just use the protective case part.

UGREEN Battery Case Portable Charger 3600mAh Compatible for iPhone Xs X: $ 27.88

Here’s more info from the product page:

  • 3600mAh Li-polymer rechargeable battery case effectively provide extra power to your iPhone XS, iphone X, double your iphone x battery life. Equivalent to add 16 hours phone call or 9.6 hours web browsing time.
  • 2 in 1 design, with phone case included, this UGREEN battery case can firmly attach the power bank to your iPhone X with powerful magnetic force, protecting your iPhone from scratches and also convenient for travelling.
  • With auto-sensing function, this battery charger case provides you instantly wireless charging without pressing a button. Recharge simply anywhere anytime. NOTE: To achieve auto-sensing function, please make sure you attach your iphone X to the included phone case.
  • 4-level LED indication clearly indicates you the charging status.The first light is 0-25% charging,the second light is 25-50%,the third light is 50-75%.
  • Worry-free warranty, UGREEN iphone x battery case is backed with 18 months manufaturer warranty and professional customer service support.

BGR Top Deals:

  1. Bose’s most affordable sound bar is still on sale at its lowest price ever
  2. Today’s best deals: $ 17 smart bulbs, $ 20 wireless charger, $ 19 microSDs, air fryer, Instant Pots, more

Trending Right Now:

  1. The flat version of Samsung’s Galaxy S10 looks amazing in this leaked render
  2. Disney just let a huge ‘Captain Marvel’ spoiler slip out
  3. New ‘Avengers: Endgame’ toy leak actually reveals some spoilers

Brilliant $ 28 iPhone XS battery case loses all the bulk when you don’t need to charge originally appeared on BGR.com on Fri, 28 Dec 2018 at 14:04:51 EDT. Please see our terms for use of feeds.


BGR

BEST DEAL UPDATE:

All Deals on HP, Dell and Lenovo!

Big Booby Benevolence: Woman Launches $100K Bra GoFundme To Help Other Women In Need

Stephanie Nelson AKA Persephanii

Source: Stephanie Nelson / Instagram

With a bust size of 34S, Stephanie Nelson knows a little bit about the struggles of finding a bra that fits and supports her situation properly. Ms. Nelson has launched a $ 100,000 GoFundMe effort to support other women in the journey of locating bras that both look and feel good in an overall bid to promote breast health.

Some readers might remember Nelson as one of our Baes and Baddies entries under the name persephanii, and as we noted then, her curvaceous frame is without a doubt a head-turner. However, she’s noticed the plight of women of her busty ilk in noting that many of them are wearing ill-fitting bras and how that could be contributing to their back pain and the like.

From GoFundMe:

I am a size 34S and I have no pain associated with my back and shoulders from having large breasts! It was not always like that. I wore poor suppprting bras thatugged on my back and shoulders to the point of me considering having a breast reduction.

Breast health is extremely important. Finding the right size is even more important. Many women walk around with pain in their back, shoulder and chest because they cannot find the right size. As a breast healthy woman I fear there could be a correlation to breast diseases and wearing poor supporting bras. I would like to raise money to not only purchase new bras for myself but also do give aways and events and help other women with large breasts find bras that fit well, improve their posture and help get rid of pain.

With all of that being said. BRA’S are expensive. Please donate if you’d love to see a reduction in pain and more confident breast healthy women near you!

Nelson kept it a stack in saying she wants to cop new wears for herself, but the larger goal of helping others is really the best part in all of this. Salute to her.

If folks would like to support Stephanie Nelson’s bra fund, click here.

Instagram Photo

Photo: Instagram

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

BEST DEAL UPDATE:

Opinion: A Diva’s Christmas Carol, the ’00s TV movie starring Vanessa Williams, is the only Charles Dickens remake we need

Opinion: A Diva’s Christmas Carol, the ’00s TV movie starring Vanessa Williams, is the only Charles Dickens remake we need


Opinion:  <em>A Diva’s Christmas Carol</em>, the ’00s TV movie starring Vanessa Williams, is the only Charles Dickens remake we need

Author Michael Arceneaux attempted to create a definitive ranking of every A Christmas Carol remake—until he realized the VH1 movie starring Vanessa Williams is the only one that actually matters. Here’s why.

Recently, Toni Braxton starred in the Lifetime film Every Day Is Christmas. In it, Braxton played a money manager named Alexis Taylor, a workaholic who can’t stand love and is far more fixated on “the mu-mu-muny, yen and the pesos” (there’s always room for Nicki Minaj references, folks) than anything else. This is much to the detriment of her employees and everyone else around her, minus her driver who is secretly wishing to date her. Ultimately, her rude self gets visited by a few spirits from various time periods who basically scare her into being a better person. If this sounds familiar, yes, it is inspired by the Charles Dickens classic A Christmas Carol.

I love Christmas programming, and despite her blocking me on Twitter without cause, I adore Braxton (a diva and national treasure, whom I consider the Shug Avery of R&B—a compliment). I watched it, and, unfortunately, Every Day Is Christmas wasn’t it, y’all. It wasn’t even a fraction of it. Like, Toni Braxton sings like Anita Baker and wants to marry Birdman of Cash Money Records fame. In other words, there’s a lot of personality to work with here, and yet, this movie was sort of sedative in its presentation. It wasn’t horrible, but it lacked oomph.

Again, I’m a sucker for Xmas (I didn’t take the Christ out of Christmas, just Google it) and I’m into A Christmas Carol in general, so I’m always intrigued whenever anyone tries to recreate the tale. Actors will always look for an easy check, and couple that with Hollywood’s disinterest in new ideas, and this story will be redone again and again and again. Perhaps, one day, some creative will try to deliver the film equivalent of “All I Want For Christmas Is You” (as in a modern Christmas classic), but until then, here we are.

In hindsight, as much as I love A Christmas Carol, I’m realizing that many have failed miserably in their attempts to create a new spin that’s worth a damn.

Much like Entertainment Weekly writer Mary Sollosi’s attempt last year, I went into this piece looking to do a ranking of the best versions—only to realize many of them were so-so or flat out sucked.

So-so spins of the classic tale would include Mickey’s Christmas Carol, which might have been all the rage when I was a kid who mostly consumed chicken nuggets, but now I’m a thirty-something man who still eats a lot of chicken nuggets, but also has a heightened palate in terms of entertainment consumption. In other words, Mickey Mouse could have tried harder.

To be fair to Mickey, at least he tried harder than that terrible animated version with Tim Curry from the 1990s, or that other 2000s animated version with Nicolas Cage—but neither stepped it up like Miss Piggy in The Muppet Christmas Carol. (If you’re a cartoon or puppet-like thing, look to Miss Piggy for guidance when recreating Dickens’s story.)

If you’re a human, there are really only two other options to model your film after. You could turn to Bill Murray, whose film Scrooged, was pretty good. Yes, I’m complimenting a cisgender heterosexual white man at the end of 2018 in this political climate, but it’s the holidays. I’m feeling festive and generous.

Bill Murray did much better than, say, Kelsey Grammer, who made a musical version of A Christmas Carol in 2004. I still haven’t forgiven Frasier for what he did to Camille Grammer on the inaugural season of The Real Housewives of Beverly Hills, but I revisited clips of that mess for this assignment. Let’s just say forgiveness will take even longer now.

When it comes right down to it, the only person who matters in the context of A Christmas Carol—outside of Charles Dickens himself, the dearly departed—is Vanessa Williams.

If you have never seen A Diva’s Christmas Carol, it’s time to atone.

In the 2000 film, Williams plays Ebony Scrooge, an international pop star that wouldn’t spit on her BFF if she was on fire.

It features Chilli from TLC, Kathy Griffin, and other people whose names I’ve forgotten, though it doesn’t matter because it’s all about Vanessa Williams. It originally aired on VH1, so it was full of pop culture references, music, and, more importantly, has Vanessa Williams. Let the record show that not only is A Diva’s Christmas Carol the best spin on A Christmas Carol—it’s one of the greatest Christmas movies of all time (I hope you didn’t hear that in Kanye West’s voice since he’s on the naughty list).

While I cannot share the bootleg of A Diva’s Christmas Carol posted on YouTube, I can strongly encourage you to search your channel guide and set your DVR if you’ve never seen it. Or use your friends’ passwords to stream it—whatever it takes. Just treat yourself to its splendor.

And for those of you who still seek to recreate A Christmas Carol, please try to be more like Vanessa Williams. You’re welcome.

Michael Arceneaux is the New York Times bestselling author of the recently released book I Can’t Date Jesus from Atria Books/Simon & Schuster. His work has appeared in the New York TimesWashington PostRolling StoneEssenceThe GuardianMic, and more. Follow him on Twitter.

The post Opinion: <em>A Diva’s Christmas Carol</em>, the ’00s TV movie starring Vanessa Williams, is the only Charles Dickens remake we need appeared first on HelloGiggles.

HelloGiggles

BEST DEAL UPDATE:

The dangerous myths that prevent me from getting the endometriosis care I need

The dangerous myths that prevent me from getting the endometriosis care I need


The dangerous myths that prevent me from getting the endometriosis care I need

I’m sick almost every day, gently poking my distended stomach wondering when my pelvis is going to explode. I have debilitating cramps that begin mid-cycle, accompanied by nausea and a fever that breaks around the time I begin to bleed. At age 26, my OBGYN suspects that I have endometriosis, a disease in which uterine lining grows outside of the uterus, attaching to other organs. It has no known cure. In his plush Upper East Side office, he asks if I’ve considered getting pregnant; he tells me that it’s the best way to treat it. I’ve just opened my first adult savings account and don’t have a boyfriend, so no, I haven’t thought about giving birth to a child. I also don’t yet know his claim that pregnancy is a “cure” for endometriosis is a myth.

That year, unable to pull myself out of bed most mornings, I leave my life in N.Y.C. to live with my father in Georgia; he can add me to his company’s health insurance plan. I had been temping in Manhattan and coat checking at night, but these types of jobs don’t offer health benefits. My new doctor refers to my situation as a “working woman’s disease,” and explains that he can’t diagnose me until I have surgery. An ultrasound cannot detect the disease.

For over 6,000 years, women with heavy cramping, pelvic pain, or pain during intercourse have been dismissed by our patriarchal society—so much so that painful periods have been normalized. Doctors do not consider these symptoms medical red flags, but hysterical complaints by psychologically inadequate women with low thresholds for pain. 

Even doctors that do recognize women’s pain as a potentially serious condition are challenged by the lack of research and resources available.

“Endometriosis is a chronic disease, and with little treatment options, women can suffer for decades. The symptoms are vague and can be associated with other disorders like bowel disease. There are no laboratory evaluations that can be done,” says OBGYN Alyse Margaret Kelly-Jones. According to The Endometriosis Foundation of America, it takes approximately ten years for many of the estimated 200 million endo sufferers worldwide to be diagnosed.


My doctor discourages me from having a laparoscopy to remove the adhesions and endometrioma—cysts filled with dark brown blood formed from tissue similar to uterine lining—that have likely migrated outside my womb. Even after surgery, there is no way to prevent it from attacking my insides. So, I wait while collecting a pharmacy of pastel painkillers with too many side effects to take while working or driving or being awake. My treatment plan consists of extra-strength Tylenol, a heating pad, and sleep. On one hand, I count the number of good days I have each month. I pretend every day to be okay. My home in New York feels like a distant memory.

A few months after my doctor’s visit, I am rushed to the hospital for a ruptured cyst after an evening shift at the restaurant where I work. Now, they say I need surgery. The diagnosis is Stage IV endometriosis due to the large number of implants and endometrial cysts that were attached to my digestive tract, pelvic cavity, and rectum. After surgery, I’m told there is tissue left inside me because it was unsafe to remove it. I get to keep it.

Before the disease attaches itself to my insides again, the doctors go over my options: pregnancy (even though more than half of infertile women have symptoms of endometriosis), hormone injections that cause premature menopause, a hysterectomy.

I feel like I am in the dark ages: Have a baby now or remove the organ necessary to have children in the future. I read The Endometriosis Sourcebook for answers, but it is a mystifying disease with little money allocated to understand—or even agree upon—what kind of disease it is and what causes it. Almost all endometriosis websites include a myth versus fact section. While this may sound like progress, it’s a small win.

The myths are just as pervasive and toxic as the illness itself.

I move to Los Angeles because it’s sunny every day and I dream that the health-obsessed city will rub off on me. It’s only in photos that I notice how sick I look, which is curious to others because I don’t “act” sick. As a child, the gauge of sickness was the rise of silver mercury in a thermometer. I’ve learned that there are key symptoms that people respond to: vomiting, fever, broken bones, bruises. What do you do when all of your broken pieces are on the inside? Sometimes vomiting is really nausea; fever is the chills. I call my symptoms chronic fatigue. But am I more tired than a mother with three kids working two jobs? Who isn’t tired?

I shame myself into hiding my pain, but secrets have consequences. My consequences take the deformed shape of deep scar tissue. After my second surgery, they tell me it’s now or never for children. I now have a live-in boyfriend, but he is not ready. I’m not sure if I am either, but I know I want children, so it must be now. My pain is significantly reduced with Chinese herbs and acupuncture, but when I lose my job, I struggle to keep up with weekly sessions. I return to bottles of burnt orange pills and electric heat, and I am unable to carry a pregnancy to term. We miscarry more than once and turn our spare room into an office.


A Twitter search for #endometriosis yields approximately 2,000 posts in a week; the majority are declarations of excruciating pain or stories of not being believed. Images include a crying uterus and selfies in hospital beds. Hashtags like #endometriosissucks, #endometriosisisreal, and #endometriosisresearch are calls for support, solidarity, and action. @xMelissaR04 sums up what our insides feel like: “On my way to work & it feels like Freddy Krueger has his fingers in my uterus ”

In online support groups, the misinformation that young women receive from their physicians feels criminal to me. High school girls are studying for their driver’s exam while getting hysterectomies. After undergoing eight surgeries, Lena Dunham recently chose to have one, but since endometriosis grows over the uterine lining, she still may experience pain. Unlike Dunham, I imagine that these girls may not have the opportunity to get a second opinion. SpeakEndo.com notes that teens’ endometriosis symptoms are the most likely to be written off as bad cramps.

Founder of Seckin Endometriosis Treatment Center (SEC) and endometriosis excision specialist surgeon Dr. Seckin has a different definition of endometriosis. On his website, he writes, “This is endometriosis, menstrual periods that are literally stuck inside of a woman’s body. The implants can grow deep and wide, spreading and clinging to her uterus, appendix, rectum, ovaries, intestines, leg nerves, and other parts of the pelvic region. They are like leeches that attach to, reproduce on, and grow on whatever internal organs they find. They are similar to a slow-growing cancer that invades the organs in the pelvis. In some rare cases, they can spread to the diaphragm, lungs, kidneys, or brain.”

I have been battling endometriosis for over twenty years. It’s the longest and most toxic relationship I’ve ever had. A relationship I can’t escape.

Last month, I fastened my feet into another pair of stirrups, hopeful that a young doctor may have a more progressive approach. He locates a sizable cyst on my left ovary and a sac of fluid above it. “You haven’t been treating it, so I suspect that your endometriosis has grown back. Have you tried Lupron?” he asks me.

I know that several pharmaceutical companies who manufacture Lupron are being sued by a woman whose body attacked her bones after just two injections. “I know many people who’ve had negative experiences with it,” I tell him, which is the truth. He shrugs his shoulders and tells me that getting pregnant would be the best of both worlds. I have no idea what two worlds he is referring to.

While it wasn’t right for him to blame me, I haven’t been militant with my pain management. I stopped going to acupuncture, and even though I subscribe to a healthy vegetarian diet, yoga, and exercise, I’ve only dabbled in holistic treatments such as CBD or hemp oil, Reiki, and essential oils. The truth is, when I feel good, I want to forget that endometriosis exists.

I should have been better, I think—but then I stop myself.

Is this what it means for women to be advocates of their own healthcare? Does it rest on our shoulders to cure ourselves? There may be better ways for me to manage pain, but I didn’t ‘make’ my endometriosis grow back.


As I was writing this essay, I ended up in the hospital for severe pelvic pain, nausea, and the chills.

My blood work results appeared as emails on my phone as I sat in the waiting room. After watching every patient disappear behind the double doors, I asked the receptionist why I was being seen last. “Patients are categorized by the severity of their condition,” she said with a forced smile. I wanted to read her a recent article that cites endometriosis as one of the most painful chronic illnesses. Instead, I nodded and waited my turn.

“The cyst and fluid sac are gone. They must have ruptured,” the ER doctor tells me. “Endometriosis is a terrible condition; I am so sorry that we can’t help you.” I am not an emergency and I can’t be helped at the ER.

“The good news is that your vitals and blood work are great,” he says. “And your pregnancy test was negative.” I winced, knowing that I am nearing the end of my fertility window. I’m glad that he doesn’t pretend to know how to treat me or tell me that I could have cured myself. At least he doesn’t prescribe me a myth. Instead, he prints out the names of five OBGYNS who may have more experience with endometriosis. “They are excellent doctors,” he says, and I believe him because he believes me.

While new marketing campaigns urge women to “speak out” about their symptoms, history has shown that women who speak out are not believed.

We are not in the dark about endometriosis because women ignore their symptoms; we are ignored because women’s bodies are devalued.

This treatment by doctors has reprehensible effects. It falls on our shoulders to raise awareness and dispel myths that pregnancy and hysterectomies cure endometriosis. We need to band together to demand more studies, more funding, more understanding of women’s bodies. After all, it is our bodies that give life.

The post The dangerous myths that prevent me from getting the endometriosis care I need appeared first on HelloGiggles.

HelloGiggles

BEST DEAL UPDATE:

Everything you need to know about Brooklyn Beckham’s new girlfriend

Sorry ladies but it seems that Brooklyn Beckham has been snatched up once again; the young photographer has been spotted out and about, with a new girl on his arm. Who is she?

REX

Words by Zeinab Batchelor

Sorry ladies but it seems that Brooklyn Beckham has been snatched up once again, and not by any of us.

The young photographer has been spotted out and about, with a new girl on his arm. But who is she?

We’re used to seeing Brooklyn with his ex girlfriend Chloe Moretz, but it seems that the former couple are officially off, with this week seeing not only Brooklyn and his new GF, but also Chloe moving on too with a playboy model.

The name of Brooklyn’s new girlfriend? Hana Cross.

But who is she? Here’s everything we know…

View this post on Instagram

🌞baby

A post shared by Hana (@hancross) on

Birthday: 7th September: aged 21
Star sign: Virgo
Occupation: Model, signed to the likes of Select, Premium Models, the Lions LA. First making her modelling debut with high-street brands like Asos, Nastygal and Topshop, then got the attention of major fashion house Fendi which sees Cross in one of their latest campaigns.
Height: 5’8
Hometown: Chipping Campden, a small market town in the Cotswold district of Gloucestershire.

How the lovebirds met: Hana is close friends with Brooklyn’s cousin, Libby Adams, as seen on many Instagram stories of the two. Libby Adams is the daughter of Victoria’s sister, Louise Adams.

View this post on Instagram

Severe delays

A post shared by Hana (@hancross) on

The young couple has made a string of appearances over the past few months, some less informal like Winter Wonderland and the Mumford and Sons gig last month. However they seemed to up it a notch by attending The British Fashion awards together, on the 10th December, hosted at The Royal Albert Hall.

And while Hana was photographed on the red carpet alongside Brooklyn and his parents, there are reports that they spent time together during the event, even attending an after party in Belsize Park together.

Now, the question that’s on everybody’s lips – has she met the parents?

Yes she has. Hana Cross and David Beckham were spotted at his launch party for Haig Whiskey just a few weeks ago – surely that’s saying something!

What’s in store for Brooklyn and Hana? Only time will tell.

The post Everything you need to know about Brooklyn Beckham’s new girlfriend appeared first on Marie Claire.

Marie Claire

BEST DEAL UPDATE:

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

Climate crusaders need to fix their gaping ‘democracy deficit’

In 2018, California recorded its deadliest wildfire in state history. The combined intensity and duration of the Atlantic and eastern Pacific oceans’ tropical storms and hurricanes reached a new high. A group of researchers reported that worldwide fossil-fuel-related carbon dioxide emissions are projected to hit 37.1 billion tons in 2018, yet another annual record. It’s…
Opinion | New York Post

SPECIAL SHOE DISCOUNT:

Everyday Savings: Up to 40% Off on over 2,000 Styles at DSW! Shop Now!

Everything you need to know about Ebola

The Democratic Republic of the Congo is fighting its 10th outbreak of the Ebola virus. Here is a look at the causes, the symptoms and the history of the deadly disease.
ABC News: Health

SPECIAL NEWS BULLETIN:

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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

SPECIAL DONATION REQUEST UPDATE:

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

Blood pressure medication recall: What you need to know

This is the third recall for this type of medication in 2018.
ABC News: Health

SPECIAL NEWS BULLETIN:

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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

SPECIAL DONATION REQUEST UPDATE:

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

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.

HelloGiggles

BEST DEAL UPDATE:

The Packers need to replace Mike McCarthy with an innovative offensive mind to coach Aaron Rodgers

The list of candidates should include pro coordinators like Josh McDaniels, Pete Carmichael Jr., John DeFilippo and a college coach like Lincoln Riley.
Sports

BEST DEAL UPDATE:

EXCLUSIVE OFFER: 20% off site-wide with code FLEXOFFERS – Limited time only.

Need a gift for your nerdy friends? These Loot Crate boxes are on sale.

TwitterFacebook

The big gifting holidays come just once a year — unless you’re a Loot Crate subscriber, that is.

Established in 2012, Loot Crate is a service for self-proclaimed geeks that aims to “unite the world through the shared celebration of fandom,” according to its website. It does just that by shipping boxes filled with surprise assortments of merch and gear to the doorsteps of its subscribers, or “Looters,” every month. With ever-changing themes about different universes and all sorts of official, exclusive collectibles waiting in each box, Loot Crate is, in a word, awesome.

More about Gaming, Subscription Services, Subscription Box, Mashable Shopping, and Shopping Stackcommerce


Entertainment

BEST ENTERTAINMENT DEALS UPDATE:

Everything You Need To Know About ‘Spider-Man: Into the Spider-Verse’

Your friendly neighbourhood Spider-Man is back, but not in a form that’s ever had centre stage on the big screen. Spider-Man: Into The Spider-Verse follows Miles Morales – the Spider-Man of an alternate universe to the Peter Parker with whom we are familiar – as he gets to grip to being the one and only Spider-Man. Only one problem with that – ‘one and only’ has become ‘one of several’, as alternate-universe spider heroes are thrown together in Miles’ New York. Am I creating more questions than answers? Not to worry, because the video above will tell you everything you need to know about Spider-Man: Into The Spider-Verse.

Keep your eyes peeled for more Spidey updates here before you web swing into the Spider-Verse with previews on the 6th of December and general release on the 13th December.

 

The post Everything You Need To Know About ‘Spider-Man: Into the Spider-Verse’ appeared first on FANDOM.

FANDOM

ENTERTAINMENT DEAL UPDATE:

Gap insurance: What is it and do you need it?

woman with broken car on side of road via dreamstime

If you’ve ever bought a new car, you’ve probably had a salesperson talk to you about gap insurance.

It’s an insurance product designed to cover the gap between the outstanding balance on your auto loan and the market value of your vehicle if your vehicle gets totaled in an accident or stolen before you’ve paid it off completely.

Let’s take a closer look to give you a clearer picture of how gap coverage functions and if it’s right for your situation…

RELATED: Best and worst auto insurance companies

Understanding gap insurance

Let’s say you finance a new vehicle for $ 34,000. Then, a week after driving off the lot, that car is declared a total loss in a serious accident.

Fortunately, you escape the accident unharmed and expect your insurance company to pay out $ 34,000 so you can pay off your loan and get into a new vehicle.

Here’s the catch, though: The minute you drove that vehicle off the dealer lot, the value of it depreciated to $ 31,000.

Now your new car is totaled, you can’t drive it and you still owe the $ 34,000 loan. Your insurer, however, only wants to pay you $ 31,000 because that’s the market value of your totaled car.

This is the kind of case where gap insurance would step in with the $ 3,000 difference so it doesn’t have to come out of your pocket.

But that’s just a hypothetical situation. Let’s take a look at how it plays out in the real world.

How gap insurance would work in a real-life situation

One member of our Consumer Action Center reports that her son was recently involved in an accident while driving a newly leased vehicle.

“I had a lease on a Genesis and never thought of gap insurance for a lease. The car was totaled and the difference between the buyout and the value is $ 2,962,” our volunteers tells us. “Therefore, I have to pay the difference between the value and the buyout.”

Gap insurance would have paid this difference if she had a policy.

And get this: The accident was not the fault of the volunteer’s son, yet she still has to pay that gap out of her own pocket because she didn’t have gap insurance.

The Insurance Information Institute reports adding gap insurance to your collision and comprehensive coverage usually adds only about $ 20 a year to the annual premium.

That’s a potentially small price to pay for peace of mind.

Where should you consider buying gap insurance?

As a general rule, car dealerships are the worst place to get gap insurance because they tend to inflate the premium and roll it into the cost of your loan.

Try these alternatives instead.

Buy gap coverage through your auto insurer

By doing this, you’re likely to pay half or even a quarter of the price you would pay at the dealership, according to Car and Driver. That’s because your insurer won’t ridiculously mark it up like the dealer will.

Pay cash for a reliable used car

Gap insurance is a solution to a problem that shouldn’t happen in the first place. When you think about it, there would be no need for gap coverage if consumers didn’t buy vehicles with no money down.

The problem, as mentioned earlier, is the rapid depreciation of new vehicles the minute they drive off the lot. Since you put no money down, that huge spread is what creates a gap that need to be filled.

But what if your buying decision never allowed that gap to be created in the first place?

Buying a reliable used car is money expert Clark Howard’s preferred way for you to get into a vehicle. It’s possible to pay cash for a cheap but good ride.

Here’s a look at the 19 best used cars under $ 15,000.

RELATED: 5 professions that practically guarantee you’ll pay less for car insurance

More insurance stories on Clark.com

clark.com

BEST DEAL UPDATE:

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

‘Spider-Man: Into the Spider-Verse’ – Everything You Need To Know

You’ve surely heard of Peter Parker; probably Miles Morales as well. Maybe even Gwen Stacey, Spider-Ham, and Spider-Noir ring a bell, but we’re willing to bet Sony’s new animated feature, Spider-Man: Into the Spider-Verse, is something new, even if you’re a devout Spidey fan. Not to worry, though, because Fandom is here to provide you with a crash course on everything you need to know about Spider-Man: Into the Spider-Verse.

The post ‘Spider-Man: Into the Spider-Verse’ – Everything You Need To Know appeared first on FANDOM.

FANDOM

ENTERTAINMENT DEAL UPDATE:

11.23.18 Moving to make more money; Everything you need to know about PMI

Relocating can have a major impact on your salary; Feel like you are throwing away money every month on PMI? Clark gives you all the details about PMI and avenues to get rid of it so you can keep that money in your pocket.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Watch the video
clark.com

BEST DEAL UPDATE:

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

5 Times You Need a Financial Adviser — and When the DIY Approach Is Fine

When I decided to start investing for retirement, I had no clue where to start.

I had no 401(k), individual retirement account (IRA) or health savings account (HSA). I didn’t even have one of those apps that invest your spare change. I was starting from zero.

I assumed that to start investing you had to have a financial adviser.

So I made an appointment with one who would see my husband and me for free — how sweet of him! — and we sat for hours as he went over four investment options.

I left more confused than I came in. I just wanted to give him my money. But it had to pass through so many hands before it could enter the market, and for some reason, we needed another meeting.

At that second meeting, I found out how he got paid: a 5% commission on all of my contributions. I realized that if I did this on my own, even if my returns were worse, I might come out on top with all the money I’d save without his commission.

That was the first time I realized that I didn’t need to use a professional to start investing.

When Can I Do It Without a Financial Adviser?

If you’re just starting out and you don’t have any complex situations like a large inheritance or six-figure income, you can succeed for a while on your own.

But if you’re going to DIY your investments, you’ll need to commit to learning about investing. Luckily, there’s a wealth of information on the internet.

The Penny Hoarder has a lot of articles to help you get started saving for retirement that explain things like:

If you prefer a book to a computer screen, I recommend “The Simple Path to Wealth” by JL Collins. It explains everything you need to know to get a grasp on basic investing concepts while not putting you to sleep.

As long as you continue accumulating cash in your accounts and everything is smooth sailing, that’s the time when, if you feel confident, you can go it alone.

But what are the signs it’s time to pony up for a professional?

When Do I Need a Financial Adviser?

Financial advisor Paul Ruedi poses outside in front of greenery.

I talked with three professionals in the planning industry who have fiduciary obligations — meaning they’re legally obligated to work in the best interest of clients. (I know: Why isn’t that universal yet?) They filled me in on when you really need to get professional help.

Paul Ruedi of Ruedi Wealth Management specializes in retirement planning. He thinks one of the best times to consult an adviser is before or during the transition to retirement.

Transitioning into life without a paycheck requires making a lot of complicated decisions,” Ruedi said. “On top of that, people’s investment account balances are likely the highest they have been in their lifetime, which amplifies every little movement in the stock market and can turn investing into an emotional rollercoaster.

When you’re making decisions like how to make your investments last for multiple decades, when to claim Social Security and how to best withdraw from those accounts, it’s time to get someone on board to guide you.

In some instances, you might need someone in your corner well before retirement.

Kayse Kress, a certified financial planner at Physician Wealth Services, poses outside.

Kayse Kress, a certified financial planner at Physician Wealth Services, said people often benefit from objective advice.

Even if you are a really smart person, it can be hard to keep your emotions out of your financial decisions,” Kress said. “You could benefit from working with an adviser that will provide you with objective advice and help you make more sound financial decisions.

The people who benefit most in Kress’ practice are those who are just too busy to find time to focus on creating a plan for their finances.

But a big reason people don’t find the help they need is that traditionally, it’s been difficult and expensive to work with someone.

It wasn’t too long ago that if you weren’t sitting on a pile of cash to invest, then it could be difficult to get anyone in the financial services industry to work with you,” Kress told me.

But with the rising popularity of fee-only financial planners, people can now seek out the help they need at any point in their financial journeys.

Chris Hutchins, co-founder and CEO of online financial planning service Grove poses in his office.

Chris Hutchins, co-founder and CEO of online financial planning service Grove, has seen many circumstances when having a financial planner before retirement was necessary. Some examples include:

  1. You’re not sure how to figure out if you’re saving enough or whether you’re on track for your retirement goals.
  2. You don’t know what your goals are or how much you need to be saving for them.
  3. You’ve intended to do something about your finances for a long time, and yet they’re still in the same spot.
  4. You’ve had a sudden financial windfall (inheritance, your company was acquired, etc.).
  5. The stress of trying to figure out whether you’re on track or doing the right thing with your money is too much.

No matter how young or old, or investment savvy or not you are, there’s no excuse to not plan for retirement. For some, that might mean a DIY approach. But for others, it means seeking professional help.

Thankfully, there’s a place for everyone to get what they need.

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

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

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

The Penny Hoarder

BEST DEAL UPDATE:

Sam's Club Membership Offer

Black Friday watch deals that you need to buy now before it’s too late

Where to find the best Black Friday deals for watches

black friday watch deals

Black Friday 2018 is almost upon us, and as ever, we predict it opshopo be the biggest online shopping weekend of the year in the UK. And with just 3 days to navigate those jaw-dropping Black Friday watches discounts (just in time for Christmas), we thought we’d make life that little bit easier for you with our guide to the best black Friday watch deals, and what to look for while you’re there.

When is Black Friday 2018?

Black Friday falls on the day following Thanksgiving Day in the United States (which is the fourth Thursday of November). Here the UK, Black Friday 2018 will fall on 23rd November (which is a Friday) so you still have time to bookmark the shops you want to visit and pick out the deals you’re going to go after.

Henry London Stratford Chronograph Bracelet Watch, 50% off at Wolf & Badger

black friday watch deals

We love a good chunky metal mesh watch and this piece from Henry London is absolutely dreamy. With an emerald clock face and a vintage aesthetic, it’s going for 50% off at Wolf & Badger right now.

Priced at £83, originally £165

Shop now

Radley Ladies Heart Dog Charm Leather Strap Watch, almost half off at QVC

black friday watch deals

This maroon watch has us thinking tonally this season, with a monochrome clock face and black details.

Priced at £42.98, originally £80

Shop now

Ted Baker BOWISA Bow Detail Leather Watch, £35+ off

black friday watch deals

Audrey Hepburn, eat your heart out. This minimal black watch will go with every outfit and the little bow cuff on the strap is the sweetest touch.

Priced at £87.50, originally £125

Shop now

Ted Baker CASKIA Square Dial Watch, £40+ off 

black friday watch deals

This utterly classic watch comes with a charming mesh strap and a square face. It’s also rose gold, plus it has cute little rose gold accents on the clock face if you just can’t get enough.

Shop now

What is Black Friday?

Black Friday is a day when shoppers can take advantage of *huge* discounts from various retailers, across all departments (why it’s called Black Friday varies a bit, some believe it dates back to the 60s, when the shopping phenomenon began, where so many people turned up to shop that it caused gridlock, others think it’s because it takes stores’ bank balances from the red to the black).

Because watches can be a bit pricey, we don’t often treat ourselves, but Black Friday is a great time to do so as prices are slashed across board. It’s also a great time to stock up on Christmas presents for your family. Just saying.

Black Friday watch deals at Michael Kors

Who doesn’t love a Michael Kors watch, especially if it’s a classic rose gold boyfriend design. For Black Friday, you can get discounts on all Michael Kors watches, be it gold tone, silver tone or leather bracelet styles. We’re a bit obsessed with the new season plum tones.

If you can’t find the watch you want on the Michael Kors site, don’t worry, because jewellers like H.Samuel, who stock the brand, are offering discounts too. If you’re interested in more high end fashion, it’s worth taking a look at our edit of the best Black Friday designer deals as well.

Shop our edit of the best Black Friday watches below.

Shop Now 

Black Friday watch deals if rose gold is your thing

Let’s be real, it’s still all about rose gold this season, isn’t it? And Michael Kors isn’t the only one to offer sleek rose gold designs. If you check out ASOS, you’ll find a host of pretty and statement watches, and a lot of other high street brands like Oasis, Topshop (which is offering amazing Topshop Black Friday deals across the board) and Next also have some great options too.

Scroll down for our edit of the best rose gold watches.

Black Friday watch deals that are best for fitness

After a fitness watch to track your steps and general health? Black Friday is a great time (no pun intended) to grab yourself a fitness tracker. You can get the popular Fitbit at a discount on various sites, like Argos and Amazon.

Curry‘s also usually does flash discounts on other fitness trackers too, like Jawbone, Garmin, Withings, Polar, so it’s worth checking the site out too.

For Apple watches, you’re of course best off going to the actual Apple website, though the discounts aren’t usually mind-blowing, more like a gift card with purchase situation. But, if your heart is set on Apple, that’s better than nothing, right?

Scroll down to shop our edit of the best Black Friday fitness tracker deals.

Black Friday Timex watches

Tired of relying on your iPhone for the time? Timex offer a range of beautiful watches ranging from work-appropriate classics to chic stacking-friendly fashion accessories to their adorable new Peanuts collection, featuring the likes of Snoopy and Linus. They’ll be offering 20% off everything on their website and it’ll all kick off November 24.

Urban Outfitters Black Friday Deals

Want to beat the Black Friday rush? Urban Outfitters is actually going to be having a pre-Black Friday sale on Wednesday, 22 November for just 24 hours where you’ll be able to score 40% off selected products. If you’re a UO Rewards member, you’ll also be eligible for free shipping.

UO’s also getting involved with the main shopping holiday and will be back with deals in full force from 23-26 November, with up to 50% off specific lines. The offer runs until midnight on the Sunday and shipping costs are going to drop to just £1, so now’s the time to buy that massive coat you’ve been dreaming of. On Cyber Monday, 27 November, they’ll also be offering 20% off select lines.

The post Black Friday watch deals that you need to buy now before it’s too late appeared first on Marie Claire.

Marie Claire

BEST DEAL UPDATE:

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

‘Battlefield V’: Everything You Need to Know About War Stories

While much is being made of  Battlefield V‘s multiplayer experiences on offer — including a Battle Royale mode called Firestorm that looks remarkable — we thought we’d catch you up on a few things you need to know about the singer player mode, War Stories. These encompass a variety of tales from some of World War II’s lesser told conflicts, with developers DICE taking you across the breadth of the globe. The result is a game that focuses on the word “world” as much as the one “war.” You’ll find a thrilling, dramatic FPS experience, unlike anything you’ve experienced before.

WHAT EXACTLY ARE “WAR STORIES”?

Instead of one campaign, Battlefield V revisits the format laid down on Battlefield 1 of breaking the single-player campaign into individual, brilliantly written, tonally diverse “War Stories.” One of our favorites is called “Nordys.” set in Rjukan, Norway, in the spring of 1943, which is the tale of a young resistance fighter charged with freeing an allied scientist being imprisoned behind enemy lines, taking her away from the interrogation that would allow the war to swing in the Nazi’s favor. It’s an extremely moving story, which pits you against the brutal chill of the Scandinavian wilds as much as it does more traditional German enemies. Oh, and you get to ski in it, too. Trust us when we say that you haven’t lived until you’ve skied away from a Nazi desperately bellowing, “Come back here!”



NO ONE WAY TO FIGHT

Variety is the key to understanding War Stories. DICE have been on record as saying they wanted to create experiences that could see you fly planes, drive tanks, as well as fight on the ground. The different stories allow you to do that. Similarly, there’s not just one way to play each story. Take “Nordys” for example. When you come to the Nazi base, you can either proceed with stealth or you can get in a truck and drive through the gate all guns blazing. There’s no one way to get from A to B. Different ways of playing unlock different experiences. These aren’t stories you’ll experience just once, but many times, and from many angles.

“Under No Flag” is probably the most traditional story on show, though it’s premise is far from boring. You’re Arthur Bridger, a bit of a bad seed who’s given the choice between spending the war behind bars or making up a brigade of young lads given the chance to work their crimes off by joining the fight. Arthur is a bit Danny Dyer, and also a bit Rambo. His story is written with strong emotions as well as some genuinely funny, laugh-out-loud moments — and it features a cool twist later on. There are also some intriguing strategy elements, like finding high ground to use your binoculars and plan the route ahead. We really want to tell you more about the twist, but we can’t. Just trust us when we say that it’s really, really good…



STORIES LESS TOLD

When we mentioned Battlefield V’s mission to shine a light on stories rarely told, we really weren’t exaggerating. “Tirailleur” positions you as a young Senegalese man called Deme Cisse, who is drafted to fight for a homeland he’s never even seen, as part of the French Colonial Empire. The story takes place within the framework of Operation Dragoon, which was the code name for the Allied invasion of Southern France on August 15, 1944. It’s another example of the game presenting a different take on World War II, showing you things the history books so frequently have failed to mention. It’s a story about racism and nationhood and the fight for acceptance. We’re not ashamed to admit that we found this one really moving.

More to Come

If that wasn’t enough, there’s a War Story coming post-launch, that might just be the most ambitious, nuanced story Battlefield has ever tried to tell. It’s called “The Last Tiger,” and it’s set from the perspective of the Nazis — the only War Story to do so — as the Allies close in on a decimated Berlin in the closing days of the war. In it, an exhausted, war-weary Tiger tank brigade tear apart the Nazi ideology that led them to this point. DICE needs to be applauded for such brave storytelling, and we’re really looking forward to the reaction to it. The story really is symbolic of what Battlefield V is trying to do, which is to entertain you, yes, but also to really immerse you within the varying emotions, motivations, and consequences to come out of the bloodiest battle the world has ever seen.

The post ‘Battlefield V’: Everything You Need to Know About War Stories appeared first on FANDOM.

FANDOM

ENTERTAINMENT DEAL UPDATE:

Democrats need someone they don’t want in order to win in 2020

Joe Biden is a gaffe-prone 75-year old Washington veteran — who is exactly what Democrats need. The suburbs have turned against Republicans, but President Trump’s working-class base is still with him in a geographic and demographic stand-off that will — absent a game-changer — define the 2020 election. The play for Democrats should be obvious:…
Opinion | New York Post

SPECIAL SHOE DISCOUNT:

Everyday Savings: Up to 40% Off on over 2,000 Styles at DSW! Shop Now!

Everything You Need To Know About Open Enrollment

Why is open enrollment season for health insurance important?

Open enrollment is the annual period when you can enroll in or change your health insurance coverage for the upcoming year. Additionally, if you receive other benefits through your employers – life insurance, unemployment insurance – this is a great time to make any adjustments to these policies as well. Open enrollment is usually the only time you can makes changes, so it is important to understand your options and needs ahead of time.

When is open enrollment period this year?

For those getting health insurance coverage through healthcare.gov, open enrollment runs from November 1 to December 15. However, in some states like California you can sign up for Affordable Care Act plans later. Outside of these dates, you are only able enroll in a health insurance plan if you experience major life events like getting married, changing jobs, losing previous health coverage or circumstances that qualify you for a Special Enrollment Period.

For employer-provided health insurance and other benefits, the timing can vary by company. It is generally in the fall, between October 1 and December 31. If your job offers health insurance and other benefits but you do not know when your company’s open enrollment period is, contact your HR department.

What should we keep in mind when choosing our healthcare coverage?

The most important thing is to understand your options. If you receive your health insurance through your job, you can go to your human resources department about what plans are offered. If your job doesn’t provide healthcare, go to the state or federal marketplaces for the Affordable Care Act to search plan options and costs. Again, the best place to go for this is healthcare.gov.

Next, review the plan type. You will likely run into the acronyms HMO or PPO. These stand for health maintenance organization and preferred provider organization, respectively. Generally speaking, the difference between HMO and PPO plans includes the size of the plan network, ability to see specialists, plan costs, and coverage for out-of-network services. Compare each plan’s summary of benefits to learn more. Your HR department or the online marketplace will provide these.

Finally, determine the best plan for your healthcare needs and your finances. When doing this you want to take into account you and your family’s healthcare requirements. If you are single and healthy, it may be best to go with a low premium, high deductible plan. If you have a family, numerous prescriptions or past health issues, more coverage and a higher monthly premium may be a better option.

What other benefits should we be thinking during open enrollment?

If you have the option of receiving life and unemployment insurance, I would recommend purchasing this coverage. As you have heard me say before, 1 in 4 people will be involved in an accident that prevents them from working for a period during their life. If something happens to you, life and unemployment insurance will protect your family from financial catastrophe.

Open enrollment is also a great time to review your retirement preparations. Most employer-sponsored retirement plans allow you to make changes at any time, but it is always a good idea to check that your contributions, your plan choice and your portfolio mix are aligned with your current goals. If your employer offers matching, be sure you’re getting all the free money on the table. Finally, it is also a good time to talk to your financial advisor about your plan’s performance. 

The Trump administration has shifted a number of healthcare policies. Can you talk about what is new this year?

The Trump Administration has made several changes to the ACA’s rules. In last year’s tax bill, they include a provision that removed the tax penalty for those who don’t buy coverage, essentially removing the requirement that every American had to have health insurance. This means you will not pay a fee for not having health insurance, though I would caution going without is a bad idea. The administration has also made it easier for some people to buy short-term policies that do not include all the consumer coverage protections of an ACA policy.

In reaction to this, some states have made their own changes. In May, New Jersey adopted its own individual mandate, and California banned the sale of short-term health policies that don’t meet ACA standards. Maryland and Alaska have each added other programs to stabilize the insurance marketplace.

Unfortunately, the repeal of the individual mandate and the legalization of short term insurance, along with other regulatory changes made by the administration, have caused some uncertainly in the markets, and we have seen premiums rise about 16 percent higher this year according to the Kaiser Family Foundation. That may mean some of us will pay more for coverage this coming year.

Mellody is President of Ariel Investments, a Chicago-based money management firm that serves individual investors and retirement plans through its no-load mutual funds and separate accounts.  Additionally, she is a regular financial contributor and analyst for CBS News and CBS.com.

HEAD BACK TO THE BLACKAMERICAWEB.COM HOMEPAGE 

Life & Style – Black America Web

BEST DEAL UPDATE: