We need to resolve ethics of CRISPR technology as China awaits third genetically modified baby

The scientific community is now struggling to grapple with the ethics of human germline editing as another woman pregnant with a gene-edited baby is soon due to give birth.
Health and Science

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What You Need to Know About Kim K’s New Health Drink, Apple Cider Vinegar

Celebrities including Kourtney Kardashian and Scarlett Johansson have long touted the benefits of apple cider vinegar. But once Kim Kardashian got on the bandwagon with an Instagram Story featuring Bragg’s Apple Cider Vinegar in May 2019, the organic, raw, unfiltered vinegar became poised to break through to the mainstream.

Apple cider vinegar, or ACV to the uninitiated, is a wellness staple that’s been used for centuries as a home remedy for everything from soothing a sore throat to helping cure dandruff to aiding in digestion — which is why it has a natural health and homeopathic reputation. Some proponents claim that it works as a weight loss aid because it helps curb hunger. Before we determine whether it’s fact or fiction, let’s understand first what ACV is.

“Apple cider vinegar is made by combining crushed apples, yeast and bacteria, fermenting the apples into acetic acid,” Rachel Berman, RD, general manager of Verywell, tells Us Weekly. “‘The mother’ is what makes ACV cloudy and is a mix of the acetic acid and beneficial bacteria found within.” And the acetic acid is the component that packs a punch.

ACV’s purported wonders — from weight loss to toxin removal — know no bounds, but unfortunately there’s not much research to back it up. “There aren’t any clear studies to substantiate these claims,” says Berman. “Also, there’s a big red flag whenever a product claims to ‘detox’ your body — that’s what your organs like your liver and kidneys are for!”

There is some research to support the claim that ACV can help lower blood glucose, says the dietitian. Though “it’s likely true of any type of vinegar,” she notes. And before you begin consuming ACV, check with your doctor, adds the NYC-based pro. It “may interact with medications.”

That doesn’t mean you should avoid ACV by any means! If you like the taste of apple cider vinegar — which also has beauty benefits and can be found in some natural face toners — go ahead and make it into a salad dressing. If “it replaces salad dressing that is high in artificial or highly processed ingredients, great!” says Berman. You can also dilute it with water and add “a sweetener like Stevia and flavorings like ginger, lemon or cayenne pepper,” if you want to drink it, notes the pro.

And while you can get fiber and other nutrients simply by eating a balanced diet, “ACV does contain antioxidants and probiotics,” she notes. So, again, if you’re a person who can stomach it, feel free to have up to two tablespoons a day.

Scroll through to see the diet-savvy celebrities who swear by the stuff and the benefits they say it gives them.

Us Weekly

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Need a Few Extra Quid? Here’s How You Can Earn Money in the U.K.

Whether you have a full-time job or stay home with your kids, it’s always handy to make some extra money on the side. For some, it’s easy to decide what to do based on talents like writing, sewing or cooking.

But for others, it’s not always clear how you can make some extra dosh.

If you live in the U.K., there are plenty of ways to get an extra few quid to spend, save or invest.

Selling Your Stuff

Do you have things you never use or wear lying around the house? If so, you’re in good company. You can make a pretty penny selling your unwanted stuff online. Depending on what you’re selling, there’s an app for it.

Zapper

Zapper is designed to help you sell your unwanted CDs, DVDs, phones, books and electronics. The site offers instant valuations on your stuff either via the Zapper app or the website itself. After valuation, Zapper sends your payment either via PayPal or bank transfer.

After that, it’s up to you to package your stuff and send it to Zapper. You can drop it off at a Collect+ store for media items or the post office for phones and electronics. Once they receive it, Zapper will reuse, recycle or refurbish your items.

Gumtree

Gumtree is a free classified ad website. You can sell a wide variety of things, including cars and motorbikes, appliances, baby and kids’ items, electronics, clothes and Christmas decorations. You can even sell or rent out your home on Gumtree, or list services like freelance writing or tutoring.

You can offer your stuff locally or include shipping for an extra fee. It’s up to you how much you list your stuff for, though you should see what similar items are selling for and list at a similar price if you want your items to sell.

eBay

eBay is one of the best-known ecommerce sites. If you have unwanted clothes, collectibles, electronics, toys or sports equipment, eBay is a great place to list them.

It’s easy to get started on eBay. Once you have an account you can list your stuff from your mobile or desktop. You can choose whether you want to sell for a set price or via auction. And when your stuff sells, you’ll get payment via PayPal.

Facebook Marketplace

Facebook might have started off as a social networking site, but now you can buy and sell stuff on Facebook via Marketplace. You can list your items for free and sell them to people in your local area. For safety reasons, arrange to meet sellers in public areas rather than having them come to your house to pick up.

Car Boot Sales

Car boot sales have been around for decades. I got some of my most-loved items of clothing from car boot sales back in the day. Since they take place outside, you’ll usually find them in the warmer months. Check out Car Boot Junction to find a car boot sale near you and see who you should contact to sign up as a seller.

Selling Gold

Gold prices fluctuate, but you can always make some extra cash from selling your gold. To find out the current price of gold, check out GoldPrice.org. You can sell your gold to a jeweller, or online at websites like Hatton Garden Metals.

Sell Your Story

If you have an interesting story about how you met your spouse or about an encounter with a famous person, you might be able to make some dough by selling it to a magazine or a newspaper. The Facebook group FeatureMe! UK lists opportunities posted by journalists looking for different types of stories. If yours matches a request, you could typically make at least £100, according to Martin Lewis from MoneySavingExpert.com.

Make Money for Doing Stuff

Bedroom with decoration on white hardwood floor in front of empty yellow wall

If you don’t have anything you want to sell (or are willing to part with), you can make money by doing things like surveys or mystery shopping.

Surveys

You can typically make between 5p and £5 per survey on sites like Panelbase. All you need to do is set up an account and start giving your opinion. Once you reach £10 in earnings you’ll be able to withdraw your money, either through a bank transfer or in the form of vouchers or a charitable donation.

Mystery Shopping

If you like shopping, sign up for a mystery shopping site like Marketforce or Mystery Shoppers and start looking for available opportunities. You can usually find mystery shopping jobs for restaurants, supermarkets, hotels or high-street retailers.

Cash Prize Draws

Do you have some spare time on your hands? Look into daily cash prize draws to make a few extra quid. Pick My Post Code gives away an amount each day to a different post code. If you register and yours is drawn, you and your neighbours will each get a piece of the pie.

Get a Lodger

If you have a spare room in your house, why not make some extra money from it? Renting your room to a lodger can get you up to £7,500 tax-free thanks to the U.K. government’s Rent a Room Scheme. This scheme is also valid if you rent out your room short-term via Airbnb or VRBO, or if you run a full-time bed and breakfast.

Get Money Back From the Bank

Your bank is a good place to look for extra savings or extra money. Here are a few places to start.

Lost Savings

If you’ve lost track of an old savings account, you can find it by using My Lost Account. You can also use this free service to find lost National Savings and Investment products, like an ISA or premium bonds. The service covers more than 30 accounts and 43 building societies.

When you fill out the form on My Lost Account, you’ll have to choose which banks or building societies you would like to query. You’ll get results either via email or in a letter through the post.

Cashback Credit Cards

Most banks these days offer some sort of rewards for signing up for their credit card products. Look for one with cashback rewards to get free money back when you spend on your card.

Make the most of this offer by putting most of your monthly expenses on your credit card and paying it off in full at each statement date. That way, you’ll be getting maximum cashback without having to pay interest or go into debt.

Switching Bank Accounts

Some banks will pay you a bonus if you open an account with them. Unless you’re thrilled with your bank, consider switching so you can take advantage of free money perks.

Check out MoneySavingExpert.com’s list of the best banks, which is updated weekly and includes how much the banks will pay you for making the switch.

Refer a Friend

Some banks will pay you a bonus if you refer a friend who signs up for a new account. Nationwide Building Society will pay you and your friend £100 each, and you can refer up to five friends per year. That’s £500 a year just for getting your pals to sign up for a new bank account.

Premium Bonds

Lost premium bonds were mentioned briefly, but they should also be mentioned as a good way to potentially get free money. You can win between £25 and £1 million in NS&I’s monthly Premium Bonds prize draw.

It’s easy to get started with Premium Bonds, and just £25 will get you an entry in the prize draw. The more money you invest in Premium Bonds, the higher your chances of winning. The prize money you win is tax free and you can either withdraw it or reinvest it in more premium bonds to help your chances of winning again.

Miscellaneous

In addition to selling your stuff or finding lost bank accounts, you can make money by utilizing your skills or your interests. Check out some of these miscellaneous ways to make some extra dough.

Take In Ironing

I don’t know about you, but I hate ironing. I’d happily pay someone to do my ironing rather than do it myself. (Luckily, I save time and money by refusing to buy clothes that need ironing in the first place.)

But if you love linen or have to wear button-down shirts or blouses to work, ironing can become a huge pain in the you-know-where. For those who like to iron, that creates a great money-making opportunity. You could make around £10 for 20 items of clothing. Do some research to see what similar businesses charge, and match or beat their prices to attract customers.

You can advertise in the local paper or put a flyer in the newsagents to let people know they can bring their ironing to you for a small fee. Ironing (if you enjoy it) is something you can easily do while catching up on EastEnders after work or on the weekend.

Pet Sitting

Close Up Of Golden Retriever On Walk in England

Do you love dogs but your living situation won’t allow you to have one of your own? Consider pet sitting to make some extra cash. It’s a win-win because you will get to enjoy cuddles and playtime with new four-legged friends while being paid for the privilege.

You can advertise locally on your own, or sign up for a pet-sitting service like Animal Angels or Nina’s Nannies for Pets. The latter pays an average of £30 a day for you to stay at a client’s house while they’re away and take care of their pets.

TV Extra

Make extra dough and impress your friends by becoming a TV extra. The best way to do this is to go through an agency like Universal Extras or The Casting Collective. Most will let you sign up for free but will take a commission out of your pay. You can expect to make £50-£100 per day.

Smartphone Apps

You have a smartphone, so why not use it to make some extra money? Some smartphone apps will pay you for doing things like taking pictures of job listings, confirming product prices in supermarkets, taking surveys or reviewing restaurants. Which? Money made a list of the eight best smartphone apps that will pay you.

Advertise on Your Car

You’ve probably seen cars with business names emblazoned on their doors. But did you know you can actually sell advertising space on your car? Websites like Car Quids will match you with businesses looking to get their name out there through car adverts.

Testing Websites

Website owners are always looking to see how they can improve their layout and design to be more appealing. You can make money by checking out various websites and giving your honest opinion of their look, feel and content.

Sites like WhatUsersDo make it easy and free to sign up. You’ll need to download some recording software on your computer, but once you’ve completed that step you can start claiming assignments and helping out website owners while making a little extra money.

This list is by no means exhaustive, and there are many more ways you can make extra money in the U.K. Ask your friends for tips and scour your local paper’s classified section to find more opportunities that suit your schedule and interests.

Catherine Hiles is a British writer living in the U.S. She’s a huge fan of making extra cash by selling clothes, freelance writing and smartphone apps.

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

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Scouted: In Need of an Athleticwear Upgrade? Get Up to 70% Select Adidas Items

If there were ever a time to take stock of your athleticwear, right now would be it. Why is that, you ask? Oh, just a simple 80+ item Adidas sale on Jet.com.

This sale spans multiple categories, from running sneakers like the Men’s PrimeKnit for $ 60 (29% off) to everyday-wear like the $ 15 Women’s Winners Tee (35% off). You’re getting up to 70% off select Adidas styles across men’s and women’s, plus kids’ items as well. You could easily outfit the entire family in Adidas from head to toe.

Need a great pair of running shoes you could easily wear when you’re in the office, try the sleek Women’s Ultraboost x Clima Shoes, down to $ 80 (20% off). The Men’s Duramo Slides are $ 15 and are the kind of shoes you’ll want to keep by the front door in case you have to quickly run out of the house. This sale truly encompasses everything Adidas does well, and you can get a piece of it for up to 70% off from Jet.com.

Read more at The Daily Beast.

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

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What You Need To Know About Leukemia

WHAT EXACTLY IS LEUKEMIA?
Leukemia is cancer of the blood.  Blood has a number of cells in it.  Among them are white cells that fight infection, red cells that carry oxygen and platelets that cause blot to clot and cause wounds to stop bleeding.  Cancer is when a group of cells grow uncontrollably and symptoms are due to too many of those cancerous cells crowding out good cells and preventing their function.

WHAT ARE THE EARLY SIGNS OR SYMPTOMS OF LEUKEMIA?
Signs of leukemia commonly include fatigue, frequent infections, bleeding or bruising, and lymphadenopathy which is a swelling of lymph glands in the neck, armpit, groin or elsewhere.

HOW IS LEUKEMIA DIAGNOSED?
The physician will first use a microscope to look at a blood smear which is blood drawn from a vein put on a glass slide.  Many patients will need a bone marrow biopsy.  This involves a small hole being placed into skin in the lower back/buttocks and a needle being inserted into the bone to withdraw bone marrow from the pelvic bone.

ARE THERE DIFFERENT TYPES OF LEUKEMIA?
There are a number of types of leukemia. We most commonly divide them into acute (fast-growing) or chronic (slow-growing). There are other subdivisions of these two types. A number of laboratory tests are done to determine the specific type of leukemia a patient has. The type determines the treatment and the prognosis.

WHAT ARE THE RISK FACTORS OF LEUKEMIA?
Most leukemias occur for unknown reasons. Most patients who get leukemia are in their 60’s and beyond at diagnosis.There is a cluster of children with leukemia. A small number of families have a genetic risk.

DO WE KNOW WHAT CAUSES IT? IS IT HEREDITARY/GENETIC?
Leukemia occurs when one or more of the genes in a white cell that instruct the cell to stop dividing is damaged and can no longer function. We call that damage a genetic mutation. These mutations are inherited in a small proportion of leukemia patients. These patients are usually children. Most adults acquire these mutations due to some biologic exposure (see below) or the mutation can occur simply by chance.

WHAT TREATMENT OPTIONS ARE AVAILABLE?
The treatments vary by type of leukemia.

Some are treated with traditional chemotherapy, often for several years.

Others are treated with newer molecularly targeted drugs that exploit a genetic weakness that causes the cancer.

Imatinib also known as Gleevec is a molecularly targeted drug used in the treatment of chronic myelogenous leukemia (CML).  Most people with CML do very well and have a normal life expectancy. That was not true 20 years ago.

Some leukemias are treated with immunotherapy.

We infuse manmade antibodies to attack a number of cancers. The leukemia must have a molecular target specific to the antibody in order to be effective.

CAR T cell therapy involves taking a type of white cell called T cells out of the patient, manipulating them to put a CAR (chimeric antigen receptor) on the T cells and re-infusing them. The T cells find the cancer and if successful destroy it.  This therapy has received a lot of press because its cost is $ 500K

Some are treated with high dose chemotherapy and bone marrow transplant.  The patient gets very high doses of chemotherapy that destroys their bone marrow (the bone marrow makes blood). The bone marrow is replaced with bone marrow obtained from a relative or person that is a close match.

WHAT ARE SOME FACTORS THAT DEFINITELY DO AFFECT CANCER RISK?
Tobacco use is linked to a type of leukemia (Acute Myelogenous Leukemia) and can complicate treatment of other leukemias. Exposure to high doses of ionizing radiation can cause leukemia, as can some chemical exposures. Scientists are concerned that exposure to certain petroleum products, pesticides, herbicides and organic chemicals are carcinogenic.

ARE THERE PROGRAMS AND RESOURCES AVAILABLE TO HELP WITH CANCER RELATED EXPENSES?
Some charities will help advocate for the patient to get health insurances to pay for therapy. One, that I know has helped patients is The Patient Advocate Foundation (www.patientadvocate.org). In some circumstances they can also help with co-pay relief.

ARE RESEARCHERS CLOSER TO FINDING A CURE FOR LEUKEMIA??
Some leukemias are curable, most that are not curable are treatable.  Many that are that curable can be treated for a long time with the patient having a reasonable quality of life.  Treatments are improving. Indeed there were 18 new therapies approved by the FDA in 2018 alone.

HOW CAN PEOPLE GET INVOLVED?

The Leukemia and Lymphoma society (www.LLS.org) is the largest private funder of blood cancer research.  They also provide support for patients, survivors, and families affected by leukemia.

The American Cancer Society funds leukemia research and provides patient support (www.Cancer.org). The ACS also has grassroots advocacy through its arm known as American Cancer Society Cancer Action Network   (www.FightCancer.org)

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

 

Life & Style – Black America Web

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8 new trailers you need to watch from this past week

New Trailers

Will the third weekend at the box office help Avengers: Endgame overtake Avatar and become the highest-grossing movie of all time? Considering what happened last weekend, it wouldn’t be surprising, as Avengers keeps bringing in huge piles of cash for Marvel. Opening this week is Pokemon Detective Pikachu, which is probably your best choice in cinemas if you’ve seen Endgame and don’t want to rewatch it. The Hustle and Tolkien are also out this weekend, although you’ll probably catch those on streaming services later this year.

In the new trailers department, we have a brand new Spider-Man: Far From Home trailer for you — the first one that actually makes sense — as well as a clip from It Chapter 2.

Continue reading…

BGR Top Deals:

  1. Get a brand new Apple Watch for $ 199 in this crazy Amazon sale
  2. Ring Video Doorbells are up to $ 100 off – and you get a free Echo Dot!

Trending Right Now:

  1. Scientists found a tree in North Carolina that’s a jaw-dropping 2,624 years old
  2. Netflix just released its first ever top 10 list of most-watched content
  3. Science tells us exactly how stupid that dragon-killing ‘Game of Thrones’ scene really is

8 new trailers you need to watch from this past week originally appeared on BGR.com on Sat, 11 May 2019 at 12:05:47 EDT. Please see our terms for use of feeds.


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Credit Unions vs. Banks: 8 Key Differences You Totally Need to Know About

Managing your finances involves a lot of big decisions: How should you invest your funds? How should you structure your budget? Where the heck should you even store your money?

Credit unions and banks are similar in that they offer the standard checking accounts, savings accounts, CDs (certificates of deposit) and money market accounts, and they typically offer mortgage, auto and small-business loans.

But while the financial products are similar, there are key differences in the way banks and credit unions are structured and the benefits they offer to members.

Credit Union vs. Bank: What’s the Difference?

Banks are for-profit organizations, which means they invest the money you entrust them with and the interest they charge on loans. They use that money to grow the company and pass along dividends to the owners.

Credit unions have a different ownership structure: They are nonprofit and member-owned, meaning dividends, though small, are passed along to every single member instead. Credit union members have voting power and can elect members to the board of directors to ensure they are represented in the credit union’s decisions.

Both credit unions and banks are typically insured through the U.S. government for up to $ 250,000 per deposit account — banks through the FDIC (Federal Deposit Insurance Corp.) and credit unions through the NCUSIF (National Credit Union Share Insurance Fund), which is a part of the NCUA (National Credit Union Administration).

Each type of financial institution has its benefits and drawbacks. Here’s how credit unions and banks stack up across eight essential categories:

1. Interest Rates

The biggest draw of credit unions is the higher interest rates they pay. Because credit unions are member-focused, they prioritize higher interest rates on checking accounts, savings accounts, CDs and money market accounts.

Banks, on the other hand — especially national banks — have high overhead and are profit-driven, so they pay lower interest rates on their bank accounts.

Winner: Credit unions

2. Fees

For the same reasons they can pay higher interest rates, credit unions can offer lower fees on their accounts than banks. In fact, many credit unions offer free checking accounts and free savings accounts, while many banks charge monthly maintenance fees to account holders.

Both banks and credit unions may also require minimum account balances, but banks are more likely to have higher overdraft fees. The higher fees at banks in combination with the lower interest rates can be a real prohibitor to financial growth.

Winner: Credit unions

3. Loans

Erica Chambers, right, and her daughter, Paisley Kinglade, 3, talk with banker Valentina Kurilchenko at Mount McKinley Bank in Fairbanks, Alaska.

Credit union members can also typically get lower loan rates on car loans, mortgage loans, personal loans and small-business loans than members of national banks.

Even better for those with low credit scores? Credit union officers are willing to sit down with you and work out a loan option that fits your unique credit picture. Banks, on the other hand, calculate risk based on credit scores alone and are more likely to reject applicants with low scores.

However, banks are more likely to offer credit cards, though these typically come with higher interest rates.

Winner: Credit unions

4. Rewards

So far, it may sound like credit unions are a no-brainer. But they do have their shortcomings, a major one of which is rewards. While credit unions can offer better interest rates on accounts, lower or no fees, and better loans, banks typically offer better rewards programs — an easy way to make money just by opening an account or buying groceries.

Bank credit cards, for example, are more likely to offer rewards points and cash back, while bank accounts often come with sign-up bonuses. In general, credit unions lack such options.

Winner: Banks

5. Physical Locations

Large banks have brick-and-mortar locations all across the U.S., while credit unions tend to be regional. If your family moves regularly, investing with a national bank can prevent you from having to open and close accounts at every move.

Because big banks have more locations, it is also more convenient to access your funds in person and via fee-free ATMs.

Pro Tip

Ask whether your credit union participates in a shared networks of ATMs. These allow members to deposit and withdraw money at other credit unions’ ATMs.

Winner: Banks

6. Customer Satisfaction

As nonprofit, community-based institutions, credit unions are generally more focused on providing a personalized, friendly customer experience.

Last year, credit union members reported higher satisfaction than bank members in the 2018 FIS Performance Against Customer Expectations (PACE) study. The most important aspect leading to satisfaction across all age groups was trust, a good indicator that the more personalized approach of credit unions may lead to superior customer trust and, as a result, satisfaction.

Small banks, it’s worth noting, generally receive the same customer satisfaction ratings as credit unions because of their more personal vibe and one-on-one interactions.

Winner: Credit unions

7. Technology

Generally speaking, larger banks have had the resources to lead the industry in digital transformation over the last decade. That means better websites and mobile apps, as well as advances in card technology (e.g., chips), mobile check deposit and mobile wallets. However, as time has progressed, credit unions have been inching toward a more level playing field with site redesigns and app updates.

Pro Tip

If you’re concerned about the security of mobile banking, find a bank or credit union that can offer two-factor authentication on all online financial services and products.

Winner: Banks

8. Ease of Joining

Banks are eager to have you open an account with them because you represent a source of revenue. Credit unions can be a little more challenging to join, because membership is limited to those within the “field of membership.”

Typically, your ways into a credit union’s field of membership are through your employer, your place of worship, your physical location or your membership in a specific organization. Many credit unions will also let you join if a family member meets the criteria or if you make a small charitable donation.

Winner: Banks

Summary: Credit Unions vs. Banks

Criteria Credit Unions Banks
Interest rates Higher interest rates Lower interest rates
Fees Lower fees Higher fees
Loans Better loan rates More expensive loan rates
Rewards Typically do not offer rewards Frequently offer rewards
Physical locations Typically regional, meaning fewer locations and fewer ATMs, though more may be available through shared networks Big banks offer locations all across the country with larger ATM networks
Customer satisfaction Superior customer service with a desire to help Can feel colder at big banks, but small banks create a welcoming environment
Technology Behind, but catching up Advanced
Ease of joining Involved; must meet specific criteria Simple

Credit Union or Bank: How to Choose?

Grow Financial Federal Credit Union is pictured in Tampa , Fla.

If you’re keeping score, credit unions and banks are tied 4-4 across the eight factors we considered above.

So how do you know if you should go with a bank or a credit union?

1. Determine what’s most important to you. Do you want to earn a little more from annual dividends and higher interest rates, or do you prefer advanced technology and convenience from your financial institution?

2. Look for the very best of both options. The pros and cons in this article are very general. Individual banks and credit unions may diverge from the norm. You might find a bank with no fees and great loan options, or a credit union that makes it incredibly easy to join and offers a rewards-based credit card. Thoroughly research several banks and credit unions before making a decision.

3. Don’t forget online banking. Managing your finances has gone completely digital. Online banks often offer much higher interest rates than banks or credit unions. Include these in your search.

4. Open multiple accounts. Nothing is stopping you from opening checking and savings accounts with a credit union and applying for a credit card from a big bank. Diversifying your finances can make things more challenging, but it can also get you the very best rates, rewards and features.

Timothy Moore is a market research editor and freelance writer covering topics on personal finance, careers, education, pet care, travel and automobiles. He has worked in the field since 2012 and has been featured on sites like The Penny Hoarder, Debt.com, Ladders, Glassdoor and The News Wheel.

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

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5 Songs You Need to Listen to This Weekend

Shawn Mendes is back with “If I Can’t Have You,” his first new single of 2019 ahead of a Saturday Night Live performance this weekend. BANKS also returns, this time leaning into even darker sounds on the haunting “Gimme.” Esperanza Spalding, the virtuoso jazz artist, explores the mysteries of the body — and blood — on a lush, engaging new project, starting with “Lest We Forget.” Vampire Weekend’s long-awaited new album, Father of the Bride, is a sunny addition to their discography, bringing with it some unexpected assists from the likes of Steve Lacy. And YG comes through with a mariachi-inspired new track, “Go Loko.”

“If I Can’t Have You,” Shawn Mendes

Shawn Mendes doesn’t have to prove anything anymore; the former teen star turned rock-pop idol has sold out stadiums worldwide, put together a well-received 2018 self-titled album and has so far seamlessly navigated the waters of his celebrity. “If I Can’t Have You” is our first taste of new music since the album, and it’s a promising follow-up, giving him ample space to test the upper reaches of his tenor over the piano-driven pop melody. “I can’t write one song that’s not about you,” Mendes complains warmly in the chant-like chorus, a line destined for fan sing-a-longs.

“Gimme,” BANKS

Back in 2014, Californian electro-R&B singer BANKS was already exploring the intersection of hip-hop, pop and electronic production on platinum hits like “Beggin for Thread” in a style that has since evolved to take over the mainstream. Now, after a multi-year gap following the release of her well-received 2016 album The Altar, BANKS is returning to join the mix. But she has new tricks up her sleeve, too: “Gimme” is darker and heavier than her earlier work, leaning on minimalist, hollow percussion as layers beneath stuttering synths. If this is a sign of the BANKS to come, we’re promised a worthy follow-up.

“Lest We Forget (blood),” Esperanza Spalding

Esperanza Spalding has long been hailed as a jazz prodigy, an innovative Grammy-winning bassist and singer who has leaned deep into her explorations of new ways to approach her craft. On “Lest We Forget,” off of her 12 Little Spells project, Spalding unearths a haunting, R&B-styled side. The album with 12 tracks first came out in 2018, but is only being released digitally now, with four extra tracks to boot; each “spell” correlates to a body part. “Lest We Forget,” which is her take on blood, starts with a delicate hum before the instruments and lyrics come into play. “Blood is humming us,” she murmurs, “a constant tone accompanying the incessant muscling.” There’s a fluidity and consistent richness to the song that echoes her words.

“Flower Moon,” Vampire Weekend feat. Steve Lacy

To follow up 2013’s Modern Vampires of the City, Vampire Weekend return this week with Father of the Bride, a bright, extensive 18-track album full of their signature experimental indie rock. “Flower Moon” feels fresh and fun from the get-go: a Vocoder-addled opening line will catch your attention, with a delicate, wistful sax underlying it. But the bouncy, handclap-driven rest of the song will keep it, boosted by the appearance of The Internet’s Steve Lacy, adding in echoing vocals and guitar. The song is less a story than a mood: a piece of warm-weather jazzy noise that’s both bittersweet in its lyrics and sunny in its disposition.

“Go Loko,” YG feat. Tyga and Jon Z

Nothing like a little Spanish guitar to underpin a slow-burning summer jam, which is ostensibly what West Coast rapper YG could have on his hands with new single “Go Loko.” The guitar and mariachi melody serves as a surprising — and welcome — contrast to YG’s rapping, with verses from fellow Californian Tyga and Puerto Rican trap star Jon Z. None of the three have to work too hard, preferring to deliver their lines with low-key energy (although Jon Z does heat things up). Overall, there’s something blurred around the edges here, like a hazy summer night in Los Angeles. Which seems to be what they were aiming for: after all.

 


Entertainment – TIME

ENTERTAINMENT DEAL UPDATE:

All You Need To Know About Effectively Dealing With Lupus

AN ESTIMATED FIVE MILLION PEOPLE AROUND THE WORLD ARE AFFECTED BY LUPUS, WITH 16,000 NEW CASE OF LUPUS BEING REPORTED EACH YEAR.  IT AFFECTS ONE IN 537 BLACK WOMEN. SINCE SYMPTOMS ARE DIFFERENT FOR EVERYONE, MOST PEOPLE DON’T EVEN THEY HAVE LUPUS.

WHAT IS LUPUS?
Lupus is an autoimmune disease where the body’s immune system attacks healthy tissue. The immune system exists to protect you from illness by sending antibodies AKA “the troops” out when it sees something is wrong.

With Lupus, “the troops” are dispatched when everything is okay, therefore creating a problem where one didn’t exist causing inflammation & other complications. It can attack the heart, the brain, the kidneys, the skin, the blood and more.

WHAT ARE SOME OF THE COMMON SYMPTOMS OF LUPUS?

Symptoms can include fatigue, joint swelling, chest pain, rashes, hair loss, sun sensitivity, fevers, anemia, blood clots. A lot of autoimmune diseases mimic each other and can cause misdiagnosis; I know I received a few. So it’s important to visit your doctor if you start experiencing symptoms.

HOW IS LUPUS DIAGNOSED?
After a patient presents with a number of symptoms, she or he will take several tests including an ANA test that identifies the type of antibodies that are released in the body. People with autoimmune disease will likely test positive. Also other tests checking organ function and other conditions will be given.

Since symptoms don’t tend to pop up all at once, it usually takes about 6 years to get a diagnosis. My timeline was incredibly short because I took note of every new symptom that popped up & then jotted it down in my phone. By the time I ended up in the hospital, I was able to show my ER doctor all of the symptoms I had been dealing with over the course of 6 months or so. I got my diagnosis 3 days after that.

WHAT CAUSES LUPUS?  CAN FLARE UPS BE PREVENTED?
The exact cause of lupus isn’t known, but there are genetic factors, so we as a people need to do better about discussing health issues that run in the family. It isn’t a fun conversation, but it’s a necessary one. I didn’t know until after I was diagnosed, that I had 3 cousins who had lupus.

Flares are when lupus activity is high and illness ensues; there’s usually a trigger. Flares can cause organ failure, and all of the symptoms I talked about to kick into high gear. Every lupus patient is different, so our triggers can vary. I know extreme levels of stress caused by other people and long periods of sun exposure are triggers for me.

To prevent future flares, I eliminated certain people and the things that stressed me out from my life and protect myself in the sun. It was VERY hard, but my health was most important. The only food proven to trigger a flare is alfalfa sprouts.

ARE THERE DIFFERENT FORMS OF LUPUS?
Yes, Systemic, which is the type I have – it affects the entire body; Cutaneous, that affects the skin – rashes, lesions; neo-natal & drug induced. The last two are temporary and the symptoms typically go away.

DOES DIET PLAY A ROLE IN LUPUS? IF SO WHAT TYPES OF FOOD NEED TO BE AVOIDED?
A: I am not a physician, but diet & exercise play a huge role in my ability to live a full life. I was able to identify what food caused inflammation in my body and eliminated them; I dropped meat, dairy, anything processed, and a ton of other things that specifically cause inflammation in my body, including eggplant, Brussel sprouts, chocolate & other foods that aren’t necessarily bad.

I haven’t been on medication for a few years now and maintain a very strict lifestyle. Keep in mind that Lupus is a condition that affects each person differently, so the foods that cause inflammation for me, may not in a fellow lupie.

WHAT IS YOUR OPINION ON CLINICAL TRIALS AND ALTERNATIVE TREATMENT OPTIONS?
I believe those are two viable options for improved treatment & wellness. In my experience, alternative treatment options, have worked out well.

That includes my rigorous diet, high intensity exercise, constantly eliminating stress and finding mental peace. I started my video production company to alleviate work stress & came to peace with having lupus by telling patient stories through video. I found my happy place there.

know a lot of Black people are terrified of clinical trials and rightly so. The history of clinical trials, for us, in this country is vile. Unfortunately because we don’t participate, scientists don’t really know how certain therapies react in “us”.

\So ultimately, when you’re prescribed something, you are participating in a clinical trial, and then hey, we’ll see what happens. We need to get on the front end of this. About 5% of black people participate in clinical trials. This is a brown person’s disease, so we need to be a part of the conversation.

There are regulations in place to protect participants, and not all trials require you to try drug therapies; some are just surveys.

HOW DOES HAVING A POSITIVE ATTITUDE IMPROVE CARE?

I’d like to think I’m a nice person anyway, but it’s important to be nice & positive when you’re in a hospital. Remember that doctors & nurses are people too and while they have to treat you, if you’re rude or not nice, your care may reflect that.

Also, the mind is such a powerful thing, I believe being positive aids in the healing process. You are well because you think you are well; you can be sicker because you think and accept that you will just be sick. Meet your body halfway and get your mind and spirit on board!

WHAT’S THE BEST WHY TO FIND OR CREATE A SUPPORT SYSTEM?

A: When I first diagnosed, I just wanted to talk to some OG’s in the Lupus game and see what life would be like. I was scared. This advice applies to anyone dealing with some sort of dis-ease. Look up local support groups and keep attending different ones until you find your community.

If you live in a more rural area, online support groups and communities are amazing. Also follow folks who inspire you, share your story & ask your homegrown community to keep you accountable for your wellness. Then, reach out to them if you’re dealing with a new symptom or chronic issue, find out if they’ve ever gone through something similar. Trust me, it helps a lot!

WHEN IT COMES TO PAYING ATTENTION TO ONES BODY – WHAT ARE SOME THINGS TO LOOK OUT FOR?

You know you best! Always be aware of what your “normal” is and when it feels off, pay attention. Advocate for yourself, ask your doctor a lot of questions, take notes at your appointment. Don’t just accept things you don’t understand.

Look out for extreme fatigue, and I don’t mean just being tired; fatigue comes with heaviness in the body, and feeling as if you just can’t get enough sleep. Joint swelling, rashes/eczema, unexplained low-grade fevers…a patient will likely present a handful or even just one of these symptoms at a time, so keep track.

WHERE CAN LISTENERS GET MORE INFORMATION?

The internet is a wonderful & sometimes scary place for information so BE SURE to review reputable sites. I do a lot of advocacy work with the Lupus Research Alliance (LRA). Their website is lupusresearch.org. You can also reach me on social at ProducedbyANP.

HEAD BACK TO THE BLACKAMERICAWEB.COM HOMEPAGE

Life & Style – Black America Web

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4 underrated romantic destinations you need to take a loved one to


Traveling can be one of the most romantic things you can do with a loved one. It can also be a real test of your relationship – after all, if you can still love someone when you’re both jetlagged, a bit haggard from the journey, someone has forgotten something important, and someone else refuses to ask for directions, you might just be in it for the long haul! Instead of just taking your beau to somewhere cliche like Paris, why not check out one of these underrated romantic destinations instead.

Zanzibar Island, Tanzania

With stunning turquoise waters, untouched white sand, and beautiful coral reefs, Zanzibar is an intimate haven, perfect for a romantic couple. For a bit of adventure, why not go snorkeling or diving, and be sure to enjoy some local food from the Darajani market. If you are animal lovers, be sure to check out Changuu to see some absolutely enormous tortoises, keep your eyes peeled for dolphins, and, of course, head out on a safari. There is just so much to see and do in Zanzibar; it’s a beautiful romantic destination.

Photo: Unsplash

The Azores, Portugal

Some of the views in the Azores have to be seen to be believed and experiencing a sunset on one of these nine islands is one of the most romantic things we can imagine! Take a romantic bike ride with your love to experience the stunning views, and cool off afterward at the hot spring in Ponta da Ferraria. Be sure to head to São Miguel to see if you can spot any whales or dolphins too. This is a romantic trip full of activities and adventure and certainly one to remember for years to come.

Puglia, Italy

The unimaginative among you may book a break to Venice or Rome for a romantic Italian trip, but if you want something a bit different and underrated, Puglia is the place to go. You still get to experience the important parts of Italy, such as delicious food, fantastic culture, breathtaking scenery, and passionate locals, but you can also explore the Gargano National Park which is full of rare and beautiful flora and fauna. Alternatively, get active together and climb the summit trail of Gargano mountain.

Photo: Unsplash

Puerto Rico

Right in the middle of the Caribbean, Puerto Rico has a lot to offer a couple, whether you want to soak up some history and culture, relax by the beach, or get active. El Yunque National Forest is worth a visit as it is the only tropical rainforest that is part of the National US Forest System and home to bats, birds, lizards, and tree frogs. If you’re feeling adventurous, you could go spelunking at the Rio Camuy Caves, or a night kayak tour to experience the Bioluminescent Mosquito Bar for some fantastic stories to take home and share!

So, either book a surprise trip for you and your other half or print this out and leave it somewhere to drop a hint… Who needs Paris, anyway?

The post 4 underrated romantic destinations you need to take a loved one to appeared first on Worldation.

Worldation

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Houseplants are the ultimate stress reliever you need in your home

Words by Maisie Bovingdon 

April is here, and that means it is Stress Awareness Month.

Some people battling with stress, left feeling on edge or anxious, may turn to calming apps such as Headspace or Calm, attend yoga classes or speak to a therapist. But wellness expert Emma Mills has insisted there is another very simple way to put our minds at ease – houseplants.

Research has shown plants in the home can reduce tension in people by almost 40 per cent, because they remind us of the outdoors, nature, and a slower pace of life, which is instantly calming.

The award-winning British author and consultant – who specialises in meditation and wellness – exclusively told Marie Claire UK: ‘By bringing the outside in and enriching our indoor spaces with houseplants, this reminds us of a natural simple way of living. A pace of life that is slower yet still incredibly intelligent, beautiful and efficient.

‘Plants remind us of a natural, simple way of living. A pace of life that is slower yet still incredibly intelligent, beautiful and efficient.

‘Human beings are hardwired to respond positively to the natural environment. For example, studies now show a significant reduction in stress when plants are introduced to the workplace with a 37 per cent fall in anxiety, 38 per cent decrease in fatigue and 38 per cent reduction in hostility and anger.’

Emma has insisted not only having greenery indoors can relieve stress, but the act of watering plants can do wonders for the mind too.

Emma, and a spokesperson for The Joy of Plants, Chanel De Kock, tell us everything we need to know about the health benefits of plants in the home…

How and why do houseplants help to relieve stress?

Chanel: ‘Green is the most predominant colour on the planet after blue. Green balances our energies, and it can be used to increase our sensitivity and compassion towards others, and the care we put into our plants is also an act of mindfulness, connecting us with nature.’

Emma: ‘Usually in our day to day working lives we have a directed sharp focus, heavily concentrating on the screen for example, or intense analytical thinking in a meeting. This is important and useful. Yet after a while we can fatigue our attention and this isn’t without consequence. Attention restoration theory suggests that certain things that can relieve us of our attentional fatigue, one of which is plants and the natural world.

‘Studies have suggested looking at nature or plants – even photos of plants, that are fascinating but not demanding – can switch the brain into a different mode of processing better suited to relaxation, gentle focus and creativity. ‘Further ideas by the human species report into the global impact of biophilic design in the workplace suggest that working in natural elements brings a 15% spike in reported wellbeing and 15% increase in creativity.’

Are some plants bigger stress relievers than others?

Chanel: ‘It all depends on your capabilities when taking care of plants. Large foliage plants do help to create a serene space that brings a sense of calm with it, but if you’re not able to stick to a once weekly watering (and misting schedule if needed), that will not be beneficial to relieving your stress.

‘Choose a plant that will work for you – the last thing the plant should do is cause anxiety. If you are a beginner, opt for low maintenance plants like yucca, dracaena or a zz plant (zamioculcas). They will instantly inject green into your space and you will feel a sense of achievement, and zen.’

‘We believe that all plants are equal in terms of relieving stress, but from an aesthetic point of view, plants with softer, rounder or trailing shapes tend be more relaxing as they appear to be friendlier than plants with hard, striking architectural forms. Imagine walking into a room filled with plants that look ready to welcome you with an embrace – a ficus Lyrata or monstera with their huge rounded green leaves also adding lots of green, and a wall covered by flowing green plants like rhipsalis, Devil’s ivy and hoyas spilling over like cascading waterfalls from a shelf. Visually, these plants will create a more relaxing space for you to stop, relax, and breathe.’

When did you notice that plants helped with your mental health?

Emma: ‘Both houseplants and gardening have always been a big source of joy for me over the years, playing a role in my own wellbeing and the guidance I share with others. Being close to nature has significant and wide-ranging health benefits and that’s why I encourage people to enjoy the natural world as often as possible. I am hugely passionate about helping you to feel happier and healthier through not only meditation, but a holistic approach to life guided by a balanced diet, regular exercise and quality sleep— as well as taking time for the beauty of art and nature. I believe that small steps each day can make a big difference to your wellbeing.’

The Joy Of Plants has revealed there are five must-have houseplants we all need in our homes, or office, to create a space of zen, and with Lidl selling a string of houseplants for under £3.

Monstera

Monstera

Monstera is a must-have because it helps to balance energies and boost your mood.

This plant is in its element when placed in bright, natural light with poor ventilation, and it needs moderate watering.

Devil’s Ivy

Devil’s Ivy

Devil’s Ivy is said to bring luck and good fortune to your home, as well as extra zen – perfect!

This must-have, which gets its name from the heart shaped leaves, needs to be OUT of direct sunlight and draughts, although a spritz of water is all it needs – simple, right?

Asparagus Fern

Asparagus Fern

The Asparagus Fern is a very strong and sturdy houseplant that is easy to care for, so it’s perfect for a homeowner with a hectic lifestyle.

This shrub thrives when it receives daylight, although it shouldn’t be in direct sunlight.  If you want to bring out its full green glory treat it to some houseplant food each week from May to September, then stand back and watch it grow. We promise it won’t turn into a scene in Little Shop of Horrors.

Dracaena

Dracaena

This houseplant will make you feel like you’ve just got off a flight and landed in an exotic climate with its vibrant leaves.

Similar to Devil’s Ivy, all the Dracaena needs is to be in a light and airy space, away from direct sunlight, with only a light mist every now and again.

Aeschynanthus

Aeschynanthus

Aeschynanthus is also known as the lipstick plant because of its red flowers, but the name isn’t the only reason it’s a fan favourite.

While we may be swooning over the heatwave this April, this plant is not. It needs to be out of indirect sunlight and watered only moderately but be careful not to soak the soil.

And for those who have a true love of plants, this may be the perfect job for you.

Now time to fill our homes with greenery!

The post Houseplants are the ultimate stress reliever you need in your home appeared first on Marie Claire.

Marie Claire

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The 5 Songs You Need to Listen to This Weekend

Friday may be Taylor Swift‘s new music release day — the pop queen put out her first new song of the next era, the bubblegum-bright “ME!” featuring Panic! At the Disco’s Brendon Urie, and promptly took over the internet — but plenty of other artists also shared new releases for this weekend, too. FKA twigs returns after a three-year absence with a heart-rending, understated performance piece. Nick Murphy explores a more acoustic side on “Dangerous.” P!nk gets experimental on the country-meets-electronic twangs of “(Hey Why) Miss You Sometime” off her new album. Ellie Goulding and a slew of top-tier artists contribute to a new Game of Thrones-themed album project, For the Throne. Here are the five best songs to listen to this weekend.

“Cellophane,” FKA twigs

FKA twigs is a performance artist through and through, her enigmatic image revealing only that which she is ready to share. After more than three years, the British singer and dancer has returned with her first new single, “Cellophane.” It’s a softly unsettling, devastating tune rendered in minimalist piano chords and twigs’s delicate, tightly-wound vocals. Her high notes are a carefully controlled keening, coiled with tension. The video, too, is a gorgeous work of CGI and choreography; she says she taught herself to pole dance in order to bring the visual to life. Come for her hyper-specific vision, but stay for the message. “Why don’t I do it for you?” she wails, the raw edges cutting close to home.

 

“Dangerous,” Nick Murphy

Nick Murphy became a hit back in 2014 with songs like “Talk Is Cheap” under the moniker Chet Faker, wordplay on the famous jazz musician Chet Baker; the Australian singer-songwriter-musician’s early music was an electronic, drop-heavy approach to jazz. Now, after an extended absence to travel and write once more, Murphy is returning as himself on the many-faceted Run Fast Sleep Naked. “Dangerous” is multi-layered and experimental, but maintains an acoustic heartbeat and a measured, reflective tone. “Maybe I’m dangerous,” he admits: “According to you, it could’ve been love with us.” Instead, we have the music.

 

“(Hey Why) Miss You Sometime” P!nk

P!nk has to be one of the most consistent pop stars of the past decade-plus, which counts eight albums. Hurts 2B Human is her 2019 offering, coming just two years after 2017’s Beautiful Trauma. This time, she roped in a smart cast of collaborators, including R&B crooner Khalid and country star Chris Stapleton. “(Hey Why) Miss You Sometime” shows off her experimentation with country-tinged melodies as well as some AutoTune elements and bouncy electronic beats. The result is something intentionally messy but definitely fun, just like the complicated relationship she sings about.

 

“Hollow Crown,” Ellie Goulding

“You know you’re fighting in a losing battle, making a noose out of your hollow crown,” sings British pop singer-songwriter Ellie Goulding off the top of her new track “Hollow Crown,” written for an album released alongside this final season of Game of Thrones. It’s an aptly brooding, trap-influenced song that echoes the dark themes of this season, and sees Goulding — known for explosive pop hits like “Starry Eyed” and “Burn” and more recent release “Sixteen” — explore new, more hip-hop-adjacent territory with her distinctive vocal twists. She’s in good company on this For the Throne project, which also tapped collaborators like Maren Morris, Rosalía, The National and SZA in an eclectic A-list of artists. However the chips may fall at the Battle of Winterfell this weekend, at least we’ll have this project to remember the moments before the impending bloodbath. And if you don’t watch Thrones? Not to worry; “Hollow Crown” and the rest of the songs stand up on their own.

 

“Vossi Bop,” Stormzy

Still one of the foremost voices of grime, Stormzy is back with his first release since 2017’s hit debut album on “Vossi Bop.” The U.K. rapper takes this track’s title from a viral dance trend across the pond started by NL Vossi, but the infectious beat, rolling rhyme scheme and political commentary are all his own. Keep an eye out for the Idris Elba cameo, and keep an ear open for the Idris-referencing James Bond line bringing it home.


Entertainment – TIME

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‘Hobbs & Shaw’ and all the new ‘Avengers’ clips you need to see from this week

New Trailers

You can tell that there’s just one week left until Avengers: Endgame hits cinemas around the world, because we don’t have any big movie launches this weekend. Not only that, but studios haven’t exactly been generous with new movie trailers this week either. It’s as if they’re planning to launch trailers next week when cinemas will be packed with moviegoers looking to find out how the Infinity War ends.

Marvel, on the other hand, released a bunch of new clips for Endgame, from a trailer-like video to short TV spots, showing a few scenes that weren’t included in any of the previous trailers.

Continue reading…

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  1. ‘Hobbs & Shaw’ and all the new ‘Avengers’ clips you need to see from this week

‘Hobbs & Shaw’ and all the new ‘Avengers’ clips you need to see from this week originally appeared on BGR.com on Sat, 20 Apr 2019 at 14:56:37 EDT. Please see our terms for use of feeds.


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Want to learn Salesforce? These cheap online courses may be all you need.

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If there’s one skill that can add an extra kick to your résumé, it’s Salesforce — the top Customer Relationship Management (CRM) platform now ubiquitous at all sorts of enterprise companies. Its cloud-based apps power work productivity at every stage of the sales funnel, from lead generation to executing upon final sales. In fact, Salesforce claims that its Salesforce Economy is expected to create 3.3 million new jobs by 2022.

Tempted? If you’re looking to jumpstart a career that requires knowledge of Salesforce, you have options. On the non-technical side, look to be certified as a Salesforce Administrator — in which case you’ll want to take a certification exam like the Certified Administrator Exam, which tests your knowledge of Salesforce admin tasks such as building reports, maintaining clean data, and adding new fields to forms. On the flip side, technical-minded folks can look to nab certification as a Salesforce Developer, in which case you should aim to ace an exam such as the Platform App Builder. Salesforce Developers handle all the backend stuff involving building testing, implementing, and maintaining Salesforce apps to keep the platform running like a well-oiled machine. Read more…

More about Salesforce, Online Learning, Mashable Shopping, Shopping Stackcommerce, and Shopping Onlinelearning


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Anita Hill at The DVF Awards: ‘Stand With Women Who Need and Deserve to Be Heard, and Have The Right To Be Heard’

Kevin Mazur/Getty

Last night at the Brooklyn Museum, Anita Hill waited patiently to take a group photo with Katy Perry, Gloria Steinem, Arianna Huffington, and Allison Williams. That sentence could have come straight from Mad Libs’ 2018 Feminism Edition; instead, it was the scene at the 10th annual Diane von Furstenberg Awards.

All were gathered inside the museum’s regal Beaux-Arts-Court, lounging on white leather love seats underneath a large brass chandelier, to fête the night’s award winners. Some of them, like Hill and Perry, were household names.

But the three main honorees—Susan Burton, who advocates for women reentering society after incarceration, Nadia Murad, an Iraqi activist and survivor of ISIS’ genocidal campaign, and Hadeel Mustafa Anabtawi, who runs an empowerment center for girls in Jordanian refugee camp and villages, are lesser-known.

Read more at The Daily Beast.

Got a tip? Send it to The Daily Beast here

The Daily Beast — Fashion

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Why Freelancers Need a Freelance Contract

Freelancers
certainly have a lot to consider when operating their business, and a freelance
contract (also known as an Independent Contractor Agreement) helps with a lot
of it. Some of these things are so fundamental to how you do business that both
you and your clients will be happy having it all laid out in an official
document.

For
example, establishing details like compensation, ownership rights, and the
nature of the partnership can help start the relationship off smoothly. Let’s
take a look at the biggest reasons you should have a freelance agreement with
your clients.

Mutual Understanding with
a Freelance Agreement

A contract
isn’t a substitute for a conversation with your client—it’s complementary and
in the same spirit. The difference is that a contract takes into consideration all
the little nuances that could actually become big factors in the partnership.
For example, if your client prefers that invoices be filled out in a particular
way, the contract can account for that. It can also cover details like the
duration of the contract (the number of calendar or working days until
completion).

In an Independent Contractor Agreement, each party’s responsibilities (such
as payment, delivery, and quality assurance) are clearly laid out, which
ensures both you and your client know what to expect from one another.

One of the misconceptions
about contracts is that they place too many restrictions on both parties, which
can constrict the relationship. However, all relationships—even business ones—grow
when both parties have an understanding of the parameters, expectations, and
nature of the relationship, and a freelance agreement can help in this regard.

A Contract Ensures You Get
Paid Properly

You might
also be thinking about all the financial details you’d like to outline in your contract.
Your client will likely want to have their budget noted, and you’ll want them
to clearly understand your fees. However, there are other details you may want
to include but might not have considered, such as:

  • When and how (through which forms of
    payment) you’d like to be compensated
  • Whether you’ll be charging fees for
    work that’s submitted late
  • If there are costs outside the
    parameters of the project (additional expenses such as travel costs) and which
    party will cover them

Of course,
you want to be paid properly, and your client won’t want any surprises on their
invoice. This is one of those areas where even the most minor slipups can have
major consequences, so it’s a good idea to have a contract that covers these
details.

Intellectual Property and
Ownership Rights in a Contract

You should
also consider what you’d like to happen to your work after you complete the
project. In particular, consider who will have ownership and all the rights to
the product.

Intellectual
property, as it pertains to freelancers, includes any copyrights, trademarks, and
other rights associated with the product. Intellectual property determines which
party owns the product and is able to use (or even reproduce) it as they like. This
is where things can get a bit more complicated.

For
example, let’s say you’re an author and you write a short story for a client. The
client pays for the product along with all the rights associated with it, and
then, a year later, makes a short film out of it. Because they purchased all of
the rights to the story, including the right to reproduce it, the copyright is
theirs, so all the profits are too.

As a freelancer,
you might run into issues regarding ownership rights. Usually, you have the
option of holding onto the rights to your work, and you can opt to sell those
rights later if an opportunity comes up. If all you want is recognition as the
author of your work, be sure to include an intellectual property clause in your
freelance contract.

It’s About Both the Project and
the Partnership

Think of a
contract as being complementary and supplementary to your conversations with
clients. A freelance contract covers the important topics that almost always
come up in a partnership, but does so right from the start which helps to avoid
any future misunderstandings.

A freelance
contract ensures you get paid properly, and that your client isn’t surprised by
any additional fees you need to charge them. The contract also lets you hold
onto your work and receive appropriate compensation for its reprinting or
repurposing.

A freelance
agreement will help you cover all the bases in your professional relationships
and build the kind of partnerships that could last far beyond the project.

The post Why Freelancers Need a Freelance Contract appeared first on LawDepot Blog.

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Need cash? Now you can sell the equity in your home to investors

There is a new way to take cash out of your home with no monthly payments and no interest. It's not a loan. It's not a mortgage. It is a contract with an investor who wants to purchase some of your home equity in cash—but it can be costly in the end.
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Sharing an HBO password for ‘Game of Thrones’? Here’s what you need to know.

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It’s April, and a very specific chill lingers in the air: Game of Thrones Season 8 is about to premiere, and your tragic ass doesn’t have an HBO account. 

Luckily, someone you know almost certainly does have an account. The only real question then is just how cool HBO is with people sharing passwords. The short answer? Kinda. The long answer? Well, we’ll get to that.

The first episode of the final season of Game of Thrones is set to drop on April 14, at which point a large number of people will remember that they do not, in fact, have access to HBO’s content. No cable package, no HBO GO, and no HBO NOW. And, just as quickly, they will remember that a friend does.  Read more…

More about Hbo, Streaming, Game Of Thrones, Hbo Now, and Hbo Go


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President Trump released a memorandum last week on finance reform. Peter Wallison, AEI fellow, joins 'The Exchange' to discuss how the memorandum could cause a U.S. housing crisis.
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5 Songs You Need to Listen to This Weekend

Anitta shows she’s got the range on Kisses, a trilingual album from the Brazilian superstar. Meanwhile, a viral hit — Lil Nas X‘s social-media-assisted country-trap crossover “Old Town Road” — gets a Billy Ray Cyrus remix that should only boost its popularity and chart potential. K-pop girl group BLACKPINK set out a powerful mission statement of global domination with the percussion-heavy “Kill This Love.” Singer-producer Ioanna Gika looks inward and finds a world of complexity on Thalassa. And Little Big Town critiques societal standards for women on the tender ballad “The Daughters.”

“Rosa,” Anitta with Prince Royce

Discovered off of YouTube as a teen in 2010, Anitta is now Brazil’s biggest pop star. Her music tops charts across Latin America (see: “Bola Rebola” with J Balvin and Tropkillaz, “Terremoto” with MC Kevinho) and her social media presence rivals many of the U.S.’s most popular artists. Now she’s released Kisses, her first trilingual album, and it’s time she receives the global attention she deserves. Kisses features appearances from the likes of bossa nova legend Caetano Veloso, rappers Snoop Dogg and Swae Lee, fellow Latina star Becky G and even DJ Alesso; on each track, she showcases a slightly different style, from harder baile funk or funk carioca (the club-ready “Onda Diferente” and “Juego”) to Brazilian balladry (sweet album closer “Você Mentiu”) to her own take on EDM (“Get to know me”). “Rosa” captures Anitta at her finest: over a sinuous trap-pop beat, she and bachata-R&B artist Prince Royce weave a sensuous story. You don’t have to speak Portuguese — or, in the case of this song, Spanish — to fall under Anitta’s spell.

 

“Old Town Road (Remix),” Lil Nas X feat. Billy Ray Cyrus

The 19-year-old Atlanta rapper Lil Nas X has had a wild few weeks. The social-media-savvy artist first put out the country-trap track “Old Town Road” back in late 2018. It took off on the app TikTok, eventually jumping into chart status and nabbing him a record deal with Columbia. When it was pulled from Billboard‘s official country charts at the end of March thanks to its mixed genre, he became an even bigger draw. Now, we have a remix featuring country mainstay Billy Ray Cyrus, guaranteeing the track a return to its country status once more. The unlikely pair are nicely complementary: Cyrus’s characteristic twang serves as a fresh counterpart to Lil Nas X’s easy baritone flow. It was already a hit; now it’s not going anywhere.

 

“Messenger,” Ioanna Gika

After a period of personal turmoil, singer and producer Ioanna Gika headed to her familial home in Greece to process and create Thalassa, her debut solo album. Sweeping and ethereal in the tradition of artists like Enya, Thalassa takes its cues from the epics of its birthplace. “Messenger” turns a stuttering electronic beat into a persistent chord of anxiety under choral arrangements and atmospheric verses. Gika has said the album is a “document of the dread, the adrenaline, and the surrender in the moments when you realize the only way to survive is to brace yourself and go through.” “Messenger” maintains that kind of breathless, urgent energy: a calling to carry on.

 

“Kill This Love,” BLACKPINK

If you like your K-pop with attitude and a serious drumbeat, girl group BLACKPINK have the track for you. “Kill This Love,” off the foursome’s new EP of the same title, is a no-holds-barred song that mixes singing and rapping in Korean and English. In the tradition of their popular male counterparts like BTS, BLACKPINK leans into the combination of a big drop and complex visuals. But BLACKPINK has plenty to boast of on their own, too: Jisoo, Jennie, Rosé and Lisa already have the most-watched K-pop group video on YouTube. “Kill This Love” promises to keep up their momentum as they make a play for Western audiences, with that menacing beat putting them front and center.

 

“The Daughters,” Little Big Town

“Oh girl, wash your face before you come to the table,” this thoughtful new ballad from country quartet Little Big Town starts off; it’s the group’s first new song off an upcoming ninth album. “Girl, know your place… shoulders back and stand up straight, watch your mouth and watch your weight.” A tender, unflinching reflection on the superficial standards women are held to, it will speak to many women who have put their own dreams second to the requirements of society, family or both. There’s a certain resignation in lead singer Karen Fairchild’s lilting voice, but it’s also a delicate reminder that we are not alone in our struggle. “I’ve heard of God the son and God the father,” she sings. “I’m just looking for a God for the daughters.”

 


Entertainment – TIME

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Trevor Noah Grills Bernie Sanders: Does America Really Need Another Old White Guy?

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By almost any measure, Senator Bernie Sanders is the frontrunner for the 2020 Democratic presidential nomination. But when he sat down with Trevor Noah on The Daily Show Thursday night, the host had one big question about his place in the field.

“This is an interesting time where this field is more diverse than ever before, but some people have said, all right, you have a diverse field, but it feels like the frontrunners are still old white men,” Noah said, citing Sanders and former Vice President Joe Biden, who has not yet announced his candidacy.

“You’re not talking about me, are you?” Sanders joked.

Read more at The Daily Beast.

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The menopause: everything you need to know. From the hot flushes to HRT.

menopause

The menopause is something you can’t ignore. It’s unavoidable. It’s inevitable. And it can be daunting.

We recently spoke with three women who are trying to encourage a bigger conversation around the menopause, so that those going through it don’t feel as isolated, feel that they can chat openly and have access to as much information as possible. Sara Matthews is a consultant gynaecologist, Dr Jan Toledano specialises in women’s hormones at the London Hormone Clinic and Jackie McCusker is a registered Nutritional Therapist.

It’s almost as if the menopause is a taboo subject, despite the fact that every single woman in the world will go through it. It’s no surprise really, it’s reflective of the way women speak about their periods too. You rarely hear a woman walk up to a big group and ask as bold as brass whether anyone has a spare tampon; rather it’s posed in a hushed whisper.

We hope that this will be a reliable and useful source of information about ‘the change’.

What is the menopause

‘It is the age at which a woman has her last period,’ explains Sara Matthews. ‘Which for UK women is around 51. At which point there are no functioning eggs left in her ovaries.’ So technically, when a woman has been without a period for twelve months it can be referred to as the menopause. But not before that point. ‘In the Western world one year after your last period is when we’re officially diagnosed as going through the menopause, but up until that point we’re in the peri-menopause and that’s the stage when our oestrogen and progesterone levels are beginning to drop,’ adds Jackie McClusker, who experienced early menopause in her 30s. This is the point at which when women start to experience symptoms, like hot flushes (more on that below). Matthews goes on, ‘the perimenopause can pre-date the menopause by up to 10 years when periods are still regular and hormone levels are normal. The ability to conceive was also lost approximately two years prior to the last period.’

What are the menopause symptoms?

You start to experience symptoms in the perimenopausal stage, which as mentioned above can occur at different times for each individual and it’s all down to the changes in your hormones. ‘Progesterone will have already been depleted over the previous decade, so many women will have already gone through heavier periods and worse PMS,’ explains Dr Jan Toledano. ‘Then the ovaries stop producing oestrogen – the hormone that controls many functions of a woman’s body – and that’s when women experience things like hot flushes, low mood, vaginal dryness, poor memory and headaches. On top of that, testosterone also declines, which causes poor energy, lower libido and less muscle strength and lower confidence.’

menopause

There are a whole host of symptoms that occur when you’re at this point, some more common than others. According to Matthews, around 88% of women in the perimenopausal stage will experience hot flushes.

  • skin dryness
  • vaginal dryness
  • hot flushes
  • forgetfulness
  • depression
  • low moods
  • night sweats
  • irregular periods
  • anxiety
  • heart palpatations
  • panic attacks
  • decreased libido
  • joint paints
  • brain fog
  • skin rashes
  • allergic reactions
  • weight gain
  • acne
  • hair loss
  • brittle nails
  • needing to go to the loo more often
  • increased urine leakage
  • migraines
  • breast tenderness
  • difficulty coping at work
  • relationship difficulties
  • sleep deprivation
  • exhaustion

‘We have completely individual biochemistries,’ explains McCusker. ‘So, one person’s menopause isn’t going to be the same as another person’s menopause. It’s genetics, diet, the amount of stress we’ve had in our lives, cultural differences, etc.’ Dr Toledano agrees, ‘All women experience the change in hormones differently. Some are debilitated and feel unable to function properly, while others barely notice this change at all.’

‘There is an idea that women must carry on through menopause with little complaining,’ says Dr Taledano. ‘These changes however can be devastating and often happen at a time of life when there are other changes too such as children growing up and leaving home. It’s important to know that all the symptoms are preventable and physical changes reversible.’

Should you see a doctor to confirm you are going through the menopause?

Matthews recommends that you do, ‘It is always useful to consult your GP about any symptoms that could relate to the menopause, no matter what age you are. A blood test to check your hormones will indicate whether you are 1-2 years from your last period, but you can still have symptoms long before that. If your hormones levels are fine and your periods regular, and your GP has ruled out other causes for your symptoms, then it would be useful at that stage to see a menopause specialist.’
How long does the menopause last?

This is not a straight-forward question to answer, because the menopause is defined by the day 12 months after your last period. However, the length of time a woman experiences the perimenopause, or symptoms of the menopause will vary considerably. There is nothing set in stone. ‘There is no test that can indicate how long,’ says Matthews. ‘Women can start symptoms up to 10 years before the periods stop, but recent research suggests that symptoms after the last period last an average time of 7.4 years.’

What’s the best menopause treatment?

‘All perimenopausal symptoms will improve with hormone replacement therapy (HRT),’ says Matthews. ‘About 10 years ago, HRT received bad press after a study suggested it significantly increased the risk of blood clots and breast cancer. The findings have now been refuted and safer HRT regimes have been developed.’ Dr Toledo agrees with HRT as a treatment,’Topping up the hormones that are low is the best option. The fear instilled by those studies and subsequent press frenzy still causes confusion for women. There are no increased risk of disease, and in fact there’s a lower risk of many diseases with certain HRT.’

menopause

Ideally you would get a top up of both oestrogen and progesterone, as they balance each other out. By replacing oestrogen you are protected against heart disease, strokes, high cholesterol, diabetes and osteoporosis. It also helps to relieve hot flushes. Women on oestrogen replacement also have a lower risk of getting breast cancer. There’s also the option of vaginal oestrogen, which prevents and treats vaginal dryness and urinary symptoms. Matthews recommends it to all of her patients from the menopause onwards, apart from breast cancer patients. Replacing progesterone can stop skin being and feeling as dry and helps with cognition and sleep. There’s currently only one pregesterone that GPs can prescribe, Utrogestan.

Changes to your lifestyle can also help you manage your symptoms. ‘A heathy diet and exercise, good sleep and doing things that make you happy all have a positive impact,’ says Matthews. ‘Moderating alcohol intake, stopping smoking, taking control of your health will bring massive benefits. Cognitive behaviour therapy can help along with meditation.’ Dr Toledano couldn’t agree more: ‘Make healthy lifestyle choices, like a better diet, more exercise (especially weight bearing exercise to keep your bones healthy), stop smoking, lose excess weight and cut down on alcohol. Meditation or cognitive behaviour therapy can also be really useful.’

Is there a recommended menopause diet?

As a nutritional therapist, McCusker works closely with women to help them rethink their diets to help with the symptoms. ‘The female Asian population tend to have a better experience of menopause than us in the western world, and one of the main things is their diet. They have had a very nutritiously dense diet of whole foods, legumes, and traditional fermented soy, which contain phyto-oestrogens. These are natural plant oestrogens and can emit a mildly oestrogenic effect, when when our oestrogen levels are dropping severely during the perimenopause.

So have a look at your diet, look at the composition of your plate and make vegetables your hero. 50% of your plate should be vegetables. There should be good quality fat, no low fat anything and good quality protein. Things like legumes are really great, tofu, and fermented soy products. Eggs and dairy are great sources of calcium and protein.’

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A lil spring salad for lunch today using last nights left over organic steak. Really tasty, packed full of antioxidants from the green leaves, avocados, pumpkin seeds and beetroot. The organic steak is a brilliant source of high biological value protein (meaning it contains all essential amino acids, which are readily absorbed!) I don’t have red meat often but occasionally my body craves it and it’s usually because I am tired and low in iron. The pumpkin seeds are a brilliant source of the minerals, (magnesium, Zinc, potassium), vitamin E, protein and healthy fats (essential fatty acids). They also provide crunch and texture to make the salad interesting. Took 5 mins to put together, that’s my idea of fast food!! 😁

A post shared by Nutrijack (@jackiemccusker) on

The things to avoid are enviromental oestrogens, a.k.a zeno-oestrogens or endocrine disrupting chemicals. These disrupt your internal hormone system. These come from things like plastic bottles, plastic wrapping and parabens in skincare. McCusker recommends buying organic where possible, ‘Any live stock or animals products, like eggs, because they’re being pumped full of zeno-oestrogen hormones. It’s about making small steps to lower your toxic load. For example, you could change your washing liquids to more natural ones.’

Is there anything you want our readers to know about the menopause?

‘Do not blame yourself for how you feel,’ says Dr Toledano. ‘Get help from your doctor to give you the hormones you need to top up what you are not making and do not use oestrogen if you still have periods, only use progesterone at this stage.

‘Be aware of the symptoms that can arise, seek medical help from your GP and if necessary, a menopause specialist,’ Matthews adds. ‘Don’t suffer in silence! Take a little time out to think about what is happening and how you can adapt your lifestyle to help. Little practical things like layering clothes and having a fan and some water in your handbag, cotton sheets and a cool bedroom can make all the difference.’

‘Find a bit of joy everyday,’ recommends McCusker. ‘Although life can be really crap and terrible, find time to laugh, find something that makes your heart sing, that lifts you a little bit. Even in the darkest moments.’

Thankfully, we live in a world where there are brands that aim to help women during this tough time. Scroll down, for the products that might make your menopausal journey a little bit easier…

The post The menopause: everything you need to know. From the hot flushes to HRT. appeared first on Marie Claire.

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5 Songs You Need to Listen to This Weekend

It’s here: Billie Eilish‘s long-awaited debut album When We All Fall Asleep, Where Do We Go? is out, three years after the teen artist first came to the attention of the music industry. Meanwhile, Sky Ferreira — once a rising pop star, now an enigmatic artist of uncertain genre — finally dropped the first song, “Downhill Lullaby,” off a long-gestating new project. Rosalía, Spain’s voice of flamenco-pop, teams up with J Balvin for a reggaeton track that shows off both their strengths on “Con Altura.” Another smart pairing: Cage the Elephant and Beck, two of alt-rock’s top acts, on collaborative single “Night Running” ahead of a joint tour. And Tank and the Bangas prove they’ve got plenty of surprises in store with the flirty, summer-ready “Nice Things.”


Entertainment – TIME

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Do I Need A Permit For An Air Conditioner Replacement?

Many homeowners associate large scale home improvement projects —like constructing a garage or replacing a roof— with building permits, but in fact, many home additions require city or county authorization. When it is time to replace your air conditioning unit with a new, energy efficient system, permits are a crucial step. Here is what you need to know ahead of your air conditioning replacement.

Permits Are Important To An Air Conditioning Project

Building permits are designed to keep you, and everyone else involved in the process, safe. Projects that alter a building’s structure, use, or could create hazardous working conditions require a permit. Of course, that doesn’t mean every home improvement project you tackle will need paperwork.

Do I Need A Permit? Answer
Installing a new air conditioning unit and system Yes
Replacing doors without altering the building’s structure No
Building a garage or carport Yes
Replacing a sink’s faucet No
Repainting the house No
Installing a furnace (gas or electric) Yes
Install new flooring No
Putting up a small fence No
Installing a fireplace Yes
Changing a countertop No
Ductwork Yes
Change in the design of heating, air conditioning, or electrical Yes

Besides ensuring safety, filing necessary permits for home improvement projects means the homeowner will have a paper trail to break down the work that occurred. This is especially important if the homeowner plans on reselling. There’s also an environmental element when it comes to filing for air conditioning permits.

The main reason air conditioning permits are so important is that they guarantee that the equipment being installed in your home is up to par with the government’s energy efficiency standards. All air conditioning units are assigned SEER ratings (which stands for its seasonal energy efficiency ratio) which guarantee that the system is safe and environmentally friendly. During the permit process, the contractor must record how your home’s equipment makes the grade.

If you still have permit questions ahead of your home improvement project, we encourage you to:

  • Ask trusted sources (friends, family, and neighbors) if they’ve been through a similar process.
  • Contact your local permitting office.
  • Connect with trusted AC contractors in your area with Modernize.

Discuss Necessary Air Conditioner Permits With Your Contractor

As noted in our Modernize Contractor Checklist, it is important to discuss what permits are being acquired during your final contractor meeting. Your contractor should be able to provide paper trails for their:

    • Project plans
    • Proof of permits
    • Proof of insurance

Ask your contractor about state and local laws surrounding air conditioning permits. Often, contractors are required to be licensed or registered with the state to pull permits on the homeowners’ behalf. You can check on a contractor’s license through the Better Business Bureau. Modernize always recommends that homeowners use a licensed and vetted contractor for their home improvement project.

The Consequences Of Not Having A Permit

Permits are a vital part of the home improvement process, and proceeding without the proper documentation can result in penalties down the line. If code enforcement officials find work has been done without following due process, it could lead to fines and fees that the homeowner will have to pay for.

Additionally, if you sell your home, home inspectors may see the gaps between a new or replaced unit and raise concerns to the lack of correlating paperwork. This could result in backtracking, hiring additional contractors, and (if necessary) fixing the work: this time with the appropriate permits.  

Modernize encourages homeowners to discuss what permits are necessary to meet local and county standards with their preferred contractor. This will ensure projects are completed with the utmost care and safety.

The post Do I Need A Permit For An Air Conditioner Replacement? appeared first on Modernize.

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‘Godzilla: King of the Monsters’ Set Visit: 10 Things You Need to Know About the Sequel

‘Godzilla: King of the Monsters’ Set Visit: 10 Things You Need to Know About the Sequel

One of the biggest movie stars on the planet returns to theaters this summer. And by biggest, we mean in terms of physical size. Everyone’s favorite kaiju creature will be back in the eponymously titled Godzilla: King of the Monsters, which is a sequel to the 2014 Godzilla reboot and the third installment of the franchise that also includes 2017's Kong: Skull Island. 

This time, Godzilla is not alone. The king of the monsters will be joined on screen by a few of his most…

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The 5 Best Songs You Need to Listen to This Weekend

This week, Lizzo continues dropping hits in advance of her new album — this time featuring none other than Missy Elliott on “Tempo.” Dance duo Sofi Tukker try a new sound on recent release “Fantasy,” ahead of their next project. Rising country singer Kassi Ashton goes introspective on the intimate, haunting acoustic ballad “Pretty Shiny Things.” Kailee Morgue brings in Hayley Kiyoko for the emo-pop bop that is “Headcase,” a track that traverses dark territory with a wink. And boy band Why Don’t We may all be under 21, but that doesn’t stop them from singing infectiously about the problem with nightlife on “I Don’t Belong in This Club” with an added verse from Macklemore.


Entertainment – TIME

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What Credit Score Do You Need to Buy a House? We’ve Got the Details

Whether you’re eyeballs-deep in mortgage paperwork or you’re just beginning to consider (figuratively) kissing your landlord goodbye and buying a home, one question is probably weighing heavily on your mind: What credit score is needed to buy a house?

The answer is — like practically everything about real estate and the homebuying process — complicated.

Lenders do care a lot about your credit score because it tells them how you’ve managed money in the past. The lower your score, the higher your risk of defaulting.

But the truth is, there’s no one magic credit score that guarantees you’ll be approved for a mortgage.

And while your credit score is one of the most important factors your lender considers when you apply for a mortgage, that three-digit number isn’t the only thing that determines whether you’re approved or denied.

Wait, What’s a Credit Score? And What Credit Score Is Needed to Buy a Home?

First things first: A credit score is a number that tells creditors how likely you are to repay debt.

But you do not have just one single credit score. You have three scores, one with each of the major credit bureaus: Equifax, Experian and TransUnion. The scores are generated by FICO, a data analytics company, using information provided by each bureau.

But where it gets tricky is that lenders often use industry-specific versions of your score. That’s because your risk of defaulting on a home loan is different from your risk of not making your car payment.

FICO scores range from 300 (relax, there’s almost zero chance yours is this low) to 850. As of 2015, the average credit score was 695, according to ValuePenguin.

You’ll typically get the best rate and terms on a mortgage if you have good credit — usually about 760 or higher.

But what’s the lowest credit score you can have if you want to buy a house? Let’s say it all together now: It’s complicated.

You may have seen advertisements for homebuyer programs with low minimum credit score requirements.

We’ll discuss the requirements for specific programs later, but for now, let’s look at the increasingly popular FHA mortgage, which is a loan insured by the Federal Housing Administration known for its low down-payment requirements and credit score leniency.

You can qualify for an FHA loan with a 3.5% down payment with a credit score as low as 580 — which is considered a poor credit score.

But having a 580 credit score does not guarantee you will be approved for an FHA loan or any other mortgage. That’s just the minimum for the federal government to insure your loan.

Each lender has its own criteria that determine whether you’re approved for a mortgage, and with a 580 credit score, it would probably be difficult to find a lender to approve your mortgage.

Consider the following Credit Sesame survey of 600 people who applied for a mortgage:

Of those who applied for a $ 150,000 mortgage, 62% of respondents with a credit score in the “fair” range (650-700) were denied. Applicants with a “good” score of 700-750 were denied 23% of the time. Meanwhile, 91% of applicants with a score below 550 were denied.

The bottom line is: There’s no absolute minimum credit score to get a mortgage, but the higher your score, the better your odds are of approval.

A row of houses.

Do Mortgage Lenders Look at All Three Scores?

It depends on the lender. Some will just pull one score; others use two or all three. If your lender pulls two scores, it will usually use the lower one. If it pulls all three, your middle score will typically be used.

Can You Get a Mortgage if You Don’t Have a Credit Score?

The frustrating thing about credit is that paying your rent, utilities and other bills on time doesn’t help you build a credit history.

According to ValuePenguin, about 1 in 7 adults in the U.S. have no credit score, typically because they haven’t used credit in at least six months.

If you don’t have a credit score, it will be difficult (but not completely impossible) to get a mortgage.

If you have a history of paying your bills on time, you may be able to qualify for an FHA loan with no credit history, although it might be tough to find a lender.

You’re more likely to get approved through a smaller lender, particularly one that offers manual underwriting, which basically means that a human, rather than an algorithm, decides whether you’re approved.

What if I’m Applying for a Mortgage With a Spouse or Someone Else?

Your lender will look at both of your credit scores — which means that if your spouse or any other co-applicant has a low credit score, it could disqualify you.

If your partner has bad credit, one workaround would be to leave them off the application, meaning the home and debt would be solely in your name.

You could always refinance and add them as a co-borrower once they improve their credit.

What Other Factors Do Mortgage Lenders Consider?

Your credit score can absolutely make or break your application.

That said, lenders want to know A LOT about you before they approve you for what’s probably the biggest purchase of your life. Here are some other factors they’ll consider.

Income

While lenders have different requirements, a good rule of thumb is that your principal, interest, property taxes and insurance payments (both property and private mortgage insurance), plus homeowner association fees if applicable, shouldn’t exceed 28% of your pretax income.

Debt

Lenders want to make sure you don’t have too much debt. That’s why they pay close attention to your debt-to-income ratio, which is the percentage of your gross household income that goes toward minimum debt payments.

To get a qualified mortgage — that is, one that complies with the Consumer Financial Protection Bureau’s regulations that were designed to make sure borrowers could afford to repay their loans — you’ll need a debt-to-income ratio of 43% or lower.

You may still be able to get a mortgage if your debt-to-income ratio is higher than 43%, but it’s likely to come with high fees and other risky features.

Down Payment

Chances are, you won’t need the traditional 20% down payment. But if you can afford it, it does come with lots of advantages: lower interest rates and monthly payments, and you might not need private mortgage insurance.

We’ll get into specific types of mortgages and how much you need to put down for each later, but the median down payment for first-time homebuyers is just 6%, according to the National Association of Realtors. And some programs allow you to put down even less.

If you have a weak credit score, a larger down payment could help you get a mortgage loan for that new home.

Employment History

Your lender will typically want to see at least two years of continuous employment before approving you.

This doesn’t necessarily mean you need to have stayed in the same job for the two years before you get a mortgage, although if you’ve recently switched to a completely different field, this could make your lender nervous.

Minimum Credit Score by Mortgage Type

A house with a sun low in the sky.

The government “backs,” or insures, some mortgage loans, such as the FHA loans we discussed earlier.

With these loan programs, the government guarantees lenders that they’ll get paid even if borrowers default.

As a result, riskier borrowers with lower credit scores are able to get mortgages they might not qualify for otherwise. These are known as unconventional loans.

A conventional loan is a mortgage that isn’t backed by the government. That means banks have stricter criteria for approval.

They typically require that these loans meet the standards set by Fannie Mae and Freddie Mac, the giant government-controlled companies that buy up loans and sell them on the secondary mortgage market.

(Fun fact: Your bank or credit union will probably sell your home loan on the secondary mortgage market, rather than holding on to it for the life of the loan.)

Below are the minimum requirements for each type of loan.

Remember, though: These are just the minimum requirements that the government sets to back unconventional loans. In the case of conventional loans, they are the requirements set by Fannie and Freddie to repurchase loans. Your bank or credit union will often require a higher score.

Conventional Loans

If you qualify for a conventional loan, you’ll pay lower interest rates. You can also often avoid paying an upfront mortgage insurance payment, which many unconventional loans require.

Conventional loans typically require a down payment of at least 5%.

Minimum credit score: 620-640

FHA Loans

These FHA-insured mortgages have smaller down payments and closing costs than conventional loans, but you have to pay an upfront mortgage insurance premium of 1.75% of the loan’s value.

Also, your monthly payment can’t be more than 31% of your gross monthly income.

Minimum credit score: 500 if you put 10% down; 580 if you put down 3.5%.

VA Loans

The U.S. Department of Veterans Affairs insures parts of mortgages for active-duty military, veterans and surviving spouses.

No down payment is required, but you have to pay an upfront funding fee of 2.15% to 2.4% of the loan unless you qualify for a waiver.

Minimum credit score: No minimum score is required by the VA, but lenders usually require a score of 620.

USDA Loans

The U.S. Department of Agriculture (USDA) backs mortgages for homes in certain rural areas through this program. No down payment is required.

Minimum credit score: No minimum score is required by the USDA, but lenders usually require a 640.

How Your Credit Score Affects Your Mortgage Rate

The lower your credit score, the higher you can expect your interest rate to be on your mortgage. That’s because your interest rate is based in part on how risky you’re considered as a borrower.

FICO has a handy mortgage calculator that shows you how much interest you can expect to pay on a mortgage loan based on your credit.

As of Feb. 1, 2019, if you have a credit score of 760 or above, you could expect to pay an annual percentage rate (APR) of 3.979% on a 30-year fixed loan of $ 150,000. But if your credit score is between 620 and 639, your APR would be around 5.568%.

You may be thinking: “So what? What’s a measly 1.6 percentage points?” Well, consider how your interest rate affects your payment over the life of the loan:

FICO score APR Monthly principal payment Total interest paid
760-850 3.979% $ 714 $ 107,151
700-759 4.201% $ 734 $ 114,101
680-699 4.378% $ 749 $ 119,710
660-679 4.592% $ 768 $ 126,570
640-659 5.022% $ 807 $ 140,610
620-639 5.568% $ 858 $ 158,914

In the example above, having a credit score of 760 or higher would save you more than $ 50,000 over 30 years compared with if your score was in the 620-639 range.

How to Get Your Free Credit Score

OK, so now you know that having a good credit score is mega important when you apply for a mortgage. But how do you find out your credit score?

To keep a closer eye on your credit, get your credit score and a “credit report card” for free from Credit Sesame. It breaks down exactly what’s on your credit report, how it affects your score and how to address it — in layman’s terms.

4 Steps for Improving Your Credit Score Before You Buy a House

A couple moves into a house.

So, what if you’ve checked your credit score and what you found was less than desirable? You can improve your score. It’s not going to happen overnight, but these tips can help.

1. Make On-Time Payments No Matter What

Your payment history is the most important factor in determining your credit score, accounting for 35% of your score.

Set up automatic payments for at least the minimums using your bank’s online bill-pay system so you’re never late on a payment.

2. Look for Errors on Your Credit Report

More than 1 in 5 consumers have at least one possible error on their credit reports, according to the Federal Trade Commission.

Removing inaccurate negative information, such as a delinquent account that doesn’t belong to you, is the quickest way to boost your score.

If you find errors on any of your credit reports, your first step is to dispute the information with the bureaus.

3. Ask Your Credit Card Companies to Increase Your Limits

Your credit utilization ratio — the percentage of your overall credit that you’re using — accounts for 30% of your credit score. Generally, you want to keep this number below 30% to have a healthy credit score.

By increasing the amount of credit you have available, you’ll lower your credit utilization. Because opening a new account can ding your score, asking for more credit on your current accounts is usually better.

4. Keep Paying Down Your Balances

Make an action plan to pay down debt, and avoid adding new charges so you can continue to lower your credit utilization ratio.

Remember: Mortgage lenders want to see a healthy debt-to-income ratio, so paying down debt will increase the odds of your approval.

Even if you can’t get a traditional mortgage because of your credit score, there are still alternative ways to buy a house without credit.

But if you want to own a house, it might be in your best interest to keep paying off your debt and improving your scores. Think of all the money you’ll save in the long run.

Robin Hartill is a senior editor 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

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You Still Need Sunscreen With Your SPF Makeup

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Supergoop, a fun-to-say sunscreen brand, is known for clear, non-sticky formulas. Since its launch in 2008, the line has developed a cultish following of skincare devotees who swear the products give them UV protection without the telltale white streaks of other sunscreens.

But this week, the line launched a new SPF product that, unlike previous launches, is meant to be noticed.

As the name implies, “Shimmershade” is a sparkly eyeshadow made for the “no makeup makeup” set. The $ 24 cream topcoat is meant to be applied over one’s lid with a finger. Along with leaving a slight iridescent tint, “Shimmershade” contains SPF 30. Supergoop’s promise? A “long-wearing” product that “keeps eyes pretty and protected.”

Read more at The Daily Beast.

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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

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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

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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

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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

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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.

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Life & Style – Black America Web

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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

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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

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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

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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.
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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.)

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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.

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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.


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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.

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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.

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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.

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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.

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‘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…

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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.

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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.

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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 &

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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.

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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

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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.

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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

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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.

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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.

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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.


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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.

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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.

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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.

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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….

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‘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…

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‘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.


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