Rep. Steve King Advocates White Nationalism and Needs a Black History Lesson

Congressman Steve King’s racist, white nationalist philosophy and false assertion that other ethnic groups or as he refers to it, “subgroups,”  have not contributed more to civilization is ridiculous.

Congressman King, did you know:

  • It was a black man by the name of Benjamin Banneker who mapped out the streets of our nation’s capital, Washington, D.C. actually where your office is located.
  • Crispus Attucks, an African American man was the first man killed in the Boston Massacre, becoming the first casualty of the American Revolution.
  • Charles Richard Drew was an African American physician who developed the blood banks that saved many lives during World War II and even today. People of all races who get blood transfusions every day can thank a black man named Dr. Charles Drew.
  • A black man named Lewis Latimer invented the filament to the light bulb which gave the world long-lasting electric lighting methods that made it possible for the lights in your office to stay on for more than the 15 minutes that Thomas Edison reached.

By the way Congressman Steve King, we are not a “subgroup.” There is only one race, and that is the human race. Therefore, all racism is a total disgrace. Let’s not forget that Jesus Christ was a dark skin Jew, who was oppressed and crucified by the Roman government.


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


The post Rep. Steve King Advocates White Nationalism and Needs a Black History Lesson appeared first on Black Enterprise.

Lifestyle | Black Enterprise


‘Touch Me Not’ film explores sexual needs of people with disabilities

“When I was 20, I thought I knew how things worked: desire, intimacy, beauty,” director Adina Pintilie, 38, tells The Post. But “reality is much more complex.” Her film “Touch Me Not,” screening at MoMA Friday through Jan. 17, is an unflinching look at human sexuality, replete with nudity and a possibly unprecedented inclusion of…
Entertainment | New York Post


Best transportation apps that every traveler needs to download


When you’re in a foreign country or state you don’t know well, it can be difficult to know where to go, how, and when. It’s all too easy to get lost and overwhelmed in a new city, but fortunately, there are some apps that can help. As well as innovative general traveling apps like SitOrSquat and Detour, some handy transport applications can make your trip much more manageable.


Arguably the best app for getting around, Citymapper has it all. The app features a map of your surroundings where you can view traffic updates, road closures, and routes. It can give you directions for cycling and walking, as well as giving you live updates on public transport, so you’ll know when your bus is running late. The app also shows you the suggested mode of transportation for getting around, so you’ll have pre-warning that your journey isn’t going to be fun if you’re walking a route that they suggest you get a train for.


Though this app doesn’t help you get around, per se, it can come in handy when you’re traveling. If your flight is severely delayed, canceled, or something else goes wrong, AirHelp has the solution. Simply input your flight and ticket details into the app, and it will automatically file a compensation claim for you. If your application is successful, your payment will be transferred straight into your bank account.


If you get stuck in an unknown city, with no idea of how to get back to your hotel, then Uber could be your lifesaver. It automatically finds your location and lets you know exactly how much and how long your taxi will be. You then pay on the app, meaning you can get out at your destination without having to worry about having the right change.

Mobile Passport

Valid in three cruise ports and 26 airports across the United States, Mobile Passport allows you to avoid the majority of customs and passport control. You set up a profile on the app, fill in your passport details – or scan it for it to fill it in itself – and input your trip details. When you reach your port of entry, the app will show you a barcode, where you skip most of customs and get it scanned, which gives them all the information they need, and you’re free to be on your way. What a genius invention!


This app lets you book flights, hotels, and car rentals, no matter where you are. You can even get tailored notifications when deals arise. It also offers flight tracking, so you know exactly when your flight is expected to arrive and depart. You can even share an itinerary with other members of your party on the app.

Any application which can make our lives easier on our travels is worth it, especially if it’s free! These apps are among many which can help you out if you’re in need of directions or transport, as well as making your life generally easier and more convenient.


The post Best transportation apps that every traveler needs to download appeared first on Worldation.



When Needs Arise, These Older Women Have One Another’s Backs

NEW YORK — Like many women aging alone, Eileen Kobrin worried that an accident could compromise her independence.

Then, two years ago at age 71, the New Yorker fell while on vacation, breaking her left ankle, and her Caring Collaborative network sprang into action.

One member recommended an ankle surgeon at the nearby Hospital for Special Surgery, who operated successfully. Others brought over a wheelchair, a bath chair and an elevated toilet seat after Kobrin returned to her apartment with instructions to stay off her feet for several months.

Every day, someone would come with lunch or dinner, or just to keep Kobrin company. “It was a tremendous outpouring of support — one of the most wonderful experiences of my life,” she said.

The Caring Collaborative — an innovative program that originated a decade ago in New York City and has since spread to Philadelphia and San Francisco — brings older women together to help one another when short-term illness or disability strikes, addressing an all-too-often unmet need.

People who live alone, like most Caring Collaborative members, frequently worry about finding this kind of assistance. Across the U.S., 35 percent of women age 65 and older fall into this category. For women 75 and above, the number is even higher: 46 percent.

Once these women might have relied on nearby family, neighbors or churches for support. But today, families are dispersed, neighbors are often strangers, and churches reach fewer people than in the past.

The Caring Collaborative has three core elements: an information exchange, which members use to share information about medical conditions and medical providers; a service corps of women who volunteer to provide hands-on assistance to other members; and small neighborhood groups that meet monthly to talk about health topics and personal concerns. (Groups in San Francisco and Philadelphia have adopted some but not all of these components.)

In New York City, many members are retired professionals who want to make new friends and explore activities after leaving the workforce. They come to the Caring Collaborative through its parent organization, The Transition Network, a national organization for women 50 and older undergoing changes in later life.

Barbara Alpern, 72, current chair of New York City’s Caring Collaborative, joined four years ago after retiring from a demanding 28-year career in employee benefits consulting and becoming ill with a serious infection and complications from diabetes. Unmarried, she lives alone and had focused on work at the expense of friendship.

“I realized I had nobody I could easily count on,” she said.

Within months of signing up, Alpern sent out a request for somebody to pick her up from a colonoscopy and escort her back home. The woman who responded invited her for breakfast, and over bacon and eggs they discovered a mutual love for theater. Several get-togethers followed and “I made a friend,” Alpern said.

Naomi Goodhart, 64, who also lives alone, became a member three years ago after stepping down from a longtime position as a corporate executive assistant. “I’ve been a loner my entire life and have found making friends extremely difficult,” she told me in a phone conversation.

Since getting involved with the Caring Collaborative, Goodhart has formed a new neighborhood group in her area. (There are 16 in New York City and two under development.). Now, she describes herself as “the happiest I’ve ever been” because of a satisfying sense of purpose and the relationships she’s developed. “I need to feel needed,” she said.

A year ago, when Goodhart discovered she needed a breast biopsy after a mammogram, a woman she’d met through the Caring Collaborative volunteered to meet her at the hospital and bring her home after the procedure. “I’m very independent, but it was good that there was someone there,” she admitted.

Similar requests for someone to sit in on a doctor’s appointment, take care of a pet during an illness or visit during a hospitalization, for instance, are usually handled by members who have met and developed relationships with one another in neighborhood groups. Sometimes the requests are sent out to the entire membership — currently 385 women in New York City.

Marsha Carlin, 74, who belongs to a group in Brooklyn, recalled going to a doctor’s appointment with a woman who’d just gotten a diagnosis of breast cancer. “She wanted somebody to be there to take notes,” said Carlin, who is married but enjoys essential companionship through the Caring Collaborative. “It was very emotional.”

Members agree in writing not to reveal confidential information about one another, give medical advice or perform medical tasks such a bandaging a wound or giving someone medication. A two-hour orientation is required. Fundraising and an annual $ 100 membership fee for The Transition Network covers costs for the program, run almost entirely by volunteers. (In New York, a part-time employee handles requests for information and in-person assistance. People making the request remain anonymous until a personal connection is approved.)

Requests for information — Do you know a dermatologist who takes Medicare? Which home health agency or hospice would you recommend? Who’s your insurance agent? Which physical therapist do you use? Can someone who’s had breast cancer talk to me? What was your experience with knee surgery? — are by far the most common type of interchange among members.

Responding to emergencies is not part of the Caring Collaborative’s mission; instead, it recommends that people call 911. But one neighborhood group, on the Upper West Side of Manhattan, is thinking about starting a WhatsApp group for members who want to be in touch in these circumstances, said Linda Anstendig, 76, its facilitator.

Like many groups, hers is a source of regular solace. “People are really willing to share stories that show their vulnerabilities,” Anstendig said. “There’s a lot of trust, and it makes you feel that you’re not alone in dealing with all kinds of problems.”

Can the Caring Collaborative’s “mutual support in aging” program be replicated in other communities? Mimi Grinker, a consultant who two years ago started a similar initiative, Living Well Together at the Marlene Mayerson Jewish Community Center in Manhattan, is convinced it can, in whole or in part.

Senior centers, aging organizations, senior housing complexes and other community groups could implement the “information exchange” component at a minimum, she suggested. (The Caring Collaborative has created a guide to replicating its program, a bit out of date and available here.)

What’s required: reaching out to older women in your community, assessing their needs and interests, finding individuals willing to step up as volunteer leaders, and developing an orientation that establishes clear roles and responsibilities.

Barbara Strahura, 65, a longtime health care executive and prior chair of New York City’s Caring Collaborative, calls this “help insurance.” Unpaid. Informal. But essential. “You need to plan for it before you need it,” she said, and belonging to a group of this kind is one way to accomplish that.

KHN’s coverage of these topics is supported by
The Silver Century Foundation
The David and Lucile Packard Foundation
John A. Hartford Foundation

Kaiser Health News


Alexandria Ocasio-Cortez is taking a self-care break, and she needs your advice

Alexandria Ocasio-Cortez is taking a self-care break, and she needs your advice

Alexandria Ocasio-Cortez is taking a self-care break, and she needs your advice

Since her election to Congress in November, Alexandria Ocasio-Cortez has been busy in Washington. She’s not even officially a congresswoman yet, but she’s already been working tirelessly for the Green New Deal, which calls for a radical shift to renewable energy and has overwhelming bipartisan support, and fending off haters online.

Understandably, though, she’s getting tired. So she’s taking a much-needed self-care break to refresh and reenergize before the New Year kicks off and her job officially starts.

She announced her intentions to take a self-care week on Instagram today, December 17th:

“I’m starting a week of self-care where I’m taking the week off and taking care of me. I don’t know how to do that, though, so I would appreciate any and all self-care tips, because sometimes people are like, ‘Top 10 tips for self-care: Go to Cancún!’ And I’m like, is it a face mask? I don’t understand. I just don’t understand.”

She revealed that before she started campaigning, she did yoga three to four times each week and cooked healthy meals for herself. During the campaign, though, the yoga came to a grinding halt, and fast-food meals became de rigeur.

self-care alexandria ocasio-cortez

She noted that self-care is especially hard for women, who are expected to give themselves fully and selflessly while men take time for themselves to enjoy their lives. The fact is we should all have that same time and space for ourselves—it’s critical to avoiding burnout.

She also mentioned on Instagram that for activists, self-care is especially important, pointing to this resource from Amnesty International that offers tips for organizers (and everyone else!), such as “spend time with the people you love,” and “eat healthy foods, exercise, and try and get enough sleep.”

She asked her social media followers to share their tips, too, and they suggested that she meditate, break out into dance, get outside, and take an epsom salt bath.

Ocasio-Cortez wrapped up her Instagram Story by saying that she’s spending her week in the “middle of nowhere” in upstate New York, bringing with her pens, music, epsom salts, lavender oil, and more self-care essentials. If you have other recommendations for self-care, send her a note!

The post Alexandria Ocasio-Cortez is taking a self-care break, and she needs your advice appeared first on HelloGiggles.



Watch: Tank Says Offset Needs to Keep Showing the World He Wants Cardi B Back [Video]

If you ask Tank, Offset needs to tell everyone he can that he wants Cardi B back.

via TMZ:

We got the rapper Saturday night in the ATL, at the State Farm Arena for the V-103 Winterfest when he threw down his game plan for Offset … shout out to the world that you want your wife back. “Be Loud, be apologetic with everything you do until you get your wife back,” he says.

Tank doesn’t know if his plan will work, but that leads him into a super interesting view of human nature.  He’s not buying the whole, give-him-a-second-chance thing, because Tank thinks humans are so flawed — so imperfect — that sometimes people should get 4th and 5th chances.

Sounds like Offset is heeding his advice. 

The post Watch: Tank Says Offset Needs to Keep Showing the World He Wants Cardi B Back [Video] appeared first on lovebscott – celebrity news.

lovebscott – celebrity news


Best translation apps that every traveler needs to download


One of the biggest issues with traveling is having to deal with the language barrier. The more countries you visit, the greater the problems you face. While plenty of people around the world speak English, most of them don’t have it as their first language. That causes communication issues, especially if you’re not well versed in their native tongue either. Thankfully, technology can save the day. The rise of smartphones means there are now apps for everything, including translating foreign languages. Which ones are the best to use though?


If you’re looking for an app that translates all languages, this isn’t it. However, if you’re in China, Japan or Korea and need to know what things say, you’ll want Papago on your phone. The app compensates for its lack of language options by giving you incredible insight into the ones it does know. In the case of Papago, it’s all about quality over quantity. It can offer you a wide range of support, from things like understanding daily expressions to the lingo needed in restaurants, shops, hotels and plenty more. Your Asian vacation won’t be the same without this.

iTranslate Voice 3

There’s nothing more frustrating than dealing with miscommunication when you’re talking to someone foreign. They don’t speak your language, you don’t speak theirs, and it’s getting you both nowhere. Luckily, there might be an app to stop these awkward encounters from ever happening again. iTranslate Voice 3 acts as a tool for your conversations by translating everything you say. All you do is speak into the microphone, and it converts what you said into the language you desire. The person you’re talking to does the same thing, and soon enough all confusions are cleared up with you and your new friend.

Google Translate

Google Translate is a service that many people are familiar with, and it’s likely you’ve used it at least once in your life. Although the translations don’t come back 100% perfect, they should give you a firm idea of what someone’s said. Plus, this app has the added advantage of the Word Lens feature. If there’s a piece of text you don’t understand, Google Translate can tell you what it says. All you have to do is open your camera in the app and highlight whatever it is you don’t understand.

Microsoft Translator

Microsoft Translator essentially combines all the great features from these other apps into one versatile package. Whether you prefer to type or speak what it is you want to translate, it doesn’t matter. The app will do it all for you and give you a response to the best of its ability. It also offers the option to turn foreign text into english if you take a photo of a sign that you don’t understand. It’s the ideal app for any first-time traveler.

While it’s great to try and learn more than just one language during your life, you can’t be expected to know them all. Thankfully, with all these apps at your disposal, communicating in a foreign country is now easier than ever.


The post Best translation apps that every traveler needs to download appeared first on Worldation.



Ex-Lions GM Matt Millen needs heart transplant ‘fairly soon’

Former NFL linebacker and Detroit Lions general manager Matt Millen is in the hospital awaiting a heart transplant and needs one "fairly soon," according to a report by NBC Sports. Millen has been suffering from amyloidosis, a rare disease that would eventually require the surgery. Two months ago to the day, Millen stepped away from his work as a broadcaster with the Big Ten Network to focus on his health — and presumably prepare for a potential transplant. King reported that Monday is the 68th day that Millen, a former ESPN employee, has been waiting for a transplant in an undisclosed hospital in New Jersey. King said Millen will be in the hospital until he receives a new heart. Millen, 60, went public about his disease in April, when he told the Morning Call of Allentown, Pennsylvania, that his heart was working at 30 percent of its capacity. Amyloidosis occurs when amyloid builds up in bone marrow and then spreads to organs and other body tissue. As…
ABC News: Sports


What Needs to Happen in ‘Fantastic Beasts 3’

SPOILER WARNING: This post contains major spoilers for Fantastic Beasts: The Crimes of Grindelwald. Proceed at your own risk.

When you consider just how many new characters, storylines and somewhat mind-boggling reveals Fantastic Beasts: The Crimes of Grindelwald boasts there are, it’s quite hard to believe that the movie’s tagline isn’t something along the lines of, ‘Forget everything you think you know.’

You see, not only does it live up to its promise of being a dark follow-up that’s peppered with Harry Potter references, but it also challenges canon and shakes things up significantly. This — as you might have guessed — has divided the opinions of fans of the franchise across the globe.

Similarly, it’s made it much harder to predict where the unraveling spin-off series might go — particularly when it comes to certain character arcs — as not every aspect of the new film lines up with backstories or details that author-cum-screenwriter JK Rowling has divulged since publication of the original books.

That being said, it’s fun to speculate and it’s not a completely impossible task, especially given that Rowling is a fan of dropping the odd clue. So here we predict what could — and perhaps more importantly after its controversial predecessor, what should — happen in Fantastic Beasts 3

More Location-Hopping

‘Fantastic Beasts and Where to Find Them’ took magizoologist to New York. Its sequel saw him travel to Paris… Where will he go next?

When anticipating what might happen in the next movie, this seems the most obvious thing to expect. While Fantastic Beasts and Where To Find Them took place entirely in New York City, The Crimes of Grindelwald sees scenes play out in London and Paris, Fantastic Beasts 3 will reportedly see Newt Scamander (Eddie Redmayne) and co. travel to Rio de Janeiro.

Rowling hinted that the film will be set there on Twitter, when she changed her header to a photograph of a vibrant-looking street and explained to a fan that it depicted the Brazilian city in the 1930s. And that’s not all she’s alluded to on the social media platform regarding future installments.

Way back in October 2016, a user asked her how many Fantastic Beasts movie she intends there to be, to which she replied, “5. Five. Cinq. Fünf. Cinco. Cinque.” It seems fair to assume that ‘five’ and ‘cinq’ make reference to the first and second films’ locations, but if Rio is the next destination (where they speak Portuguese and would therefore say ‘cinco’), ‘fünf’ probably applies to the third film too.

It’s known that Gellert Grindelwald (Johnny Depp) built a castle in Austria — which we saw a glimpse of in the closing moments of Fantastic Beasts 2 — so it’s likely that a large part of the film will be set there too. At some point, on this evidence, it looks like we’ll also go to Italy. There are links within Rowling’s Wizarding World to Italy — which dates back to at least Roman times and the warlock Zaccaria Innocenti who, it’s implied, was responsible for the Mt Vesuvius eruption that destroyed Pompeii and Herculaneum. Thank goodness for Portkeys, eh?

Nagini Integral

After learning that Lord Voldemort’s subservient serpent Nagini used to be a woman (played by Claudia Kim) in The Crimes of Grindelwald’s dramatic final trailer, fans were expecting her to have… well… you know, a sizeable role in the sequel. Oh, how wrong they were. Kim has no more than five lines in the movie and spends most of her time looking worried, standing slightly behind Ezra Miller’s Credence Barebone. She has so little presence, in fact, that it’s curious as to why Rowling felt compelled to include her at this early stage at all.

The only way this can be rectified is if Nagini becomes an integral part of the franchise’s plot going forward. As a Maledictus, she carries a blood curse that will eventually lead to her remaining a snake forever, but it’s bound to be interesting to see how she becomes He Who Must Not Be Named’s ally — something that Claudia Kim herself told us she’s keen to explore. Let’ssssss go!

Is Queenie More Significant than We Realise?

In Fantastic Beasts and Where To Find Them, newbie Queenie Goldstein (Alison Sudol) upended the trope of the ditsy, blonde glam-girl and quickly established herself as a quick-witted, fiercely independent and big-hearted witch with mind-reading capabilities. So it’s baffling that in follow-up The Crimes of Grindelwald, she makes some morally-questionable choices that go completely against her character.

First of all, it is revealed that in order to get No-Maj Jacob Kowalski (Dan Fogler) to elope to the UK and marry her, she bewitches him with a love potion. Seeing as Jacob clearly had feelings for Queenie anyway, that whole subplot stinks of sexist stereotype and counteracts how empathetic she comes across in the first film.

And if that’s not bad enough, the film’s final act sees her actually join Grindelwald’s side as she thinks it will mean she’ll be able to eventually freely marry Jacob. Jacob doesn’t tag along, despite her pleading for him to jin her, meaning that she loses the one thing she’s trying to gain in the process. It’s baffling and rushed, so we’ll definitely need to see her motivations explained in Fantastic Beasts 3. Will it be revealed that she was under the Imperius Curse? And why is she so important to Grindelwald? Does it have something to do with the Lestrange family, to which she’s subtly linked in the film during a brief moment when she touches a raven crest? In a perfect world, we’d see her reunite with the good guys again but if that can’t happen, we’ll settle for [better] answers.

Brothers in Arms

The Scamander brothers were given a common cause to fight for in ‘Fantastic Beasts: The Crimes of Grindelwald’.

Throughout The Crimes of Grindelwald, we are told that Newt Scamander and his older brother Theseus don’t really get on, despite them seeming like they don’t really mind each other all that much. Theseus is an Auror for the Ministry of Magic and therefore likes order and rules; Newt, on the other hand, can think of nothing worse than someone calling the shots.

But when an awful tragedy affects them both during the film’s final act, Newt reveals to Theseus that he’s ‘picked a side’ and will therefore fight Grindelwald alongside him going forward. We expect that the pair to grow closer as they attempt to take down the Dark Wizard and avenge Leta Lestrange.

Dumbledore Destroys the Blood Pact

Dumbledore ‘can’t move against Grindelwald’ — but not necessarily for the reasons you might think.

Even if you’re a fairly casual Harry Potter fan, you’re likely to know that Albus Dumbledore (played in the prequel series by Jude Law) ends up with the Elder Wand. In The Crimes of Grindelwald, the eponymous baddie has possession of the wand and it’s pretty self-explanatory that Dumbledore will end up with it because he’ll eventually fight — and best– Grindelwald, becoming its owner.

As it stands, Rowling has written into the Fantastic Beasts lore that Dumbledore physically can’t fight Grindelwald because the men made a blood pact in their teens never to attack one another. But towards the end of the film, one of Newt’s Nifflers steals the silver vial preserving their united blood so it’s safe to assume that Dumbledore and co. will find a way to destroy it, voiding the pact and making their inevitable contest a possibility.

Time Jumps

In The Crimes of Grindelwald, Depp’s Grindelwald — who is canonically a Seer and has the ability to see into the future — uses the threat of a Second World War to encourage his fellow witches and wizards to support his dream of magical folks dominating muggles.

If the third film is going to be set in the 1930s, then World War II may play a part in the proceedings. While the infamous war began in the latter part of the decade, we know that the entire Fantastic Beasts series will conclude in 1945, when Dumbledore and Grindelwald duel, so big time-jumps are entirely likely. Marry that with the fact that some of it will likely take place in Austria, a country that was annexed with Nazi Germany during the war, due to Grindelwald’s castle being situated there and it seems possible that it’ll come up.

Barebone’s Backstory

Credence Barebone (Ezra Miller) was the subject of a shocking twist at the end of ‘Fantastic Beasts: The Crimes of Grindelwald’.

In The Crimes of Grindelwald, the titular baddie informs Obscurial orphan Credence Barebone (who inexplicably survived the first film) that his real name is Aurelius Dumbledore. At the same time, it’s implied that Barebone is Albus Dumbledore’s brother.

It’s a startling revelation, particularly when you learn that Albus’s father Percival was imprisoned in Azkaban in the early 1890s for attacking three muggles, and later died there. Elsewhere, his mother Kendra was killed by his sister — who lacked proper control over her magical abilities — in 1899. There’s always a chance that Barebone could be older than his character appears but it still seems a little far-fetched. Is there a Time Turner at play? Or could Percival Dumbledore somehow have fathered a child during his spell at Azkaban?

Of course, it’s possible that Grindelwald is lying to lost-and-vulnerable Barebone but the phoenix, which is drawn to him in the scene, indicates not (as the Dumbledores famously share a bond with the mythical creatures). Only time will give us some much-needed answers.

A Sharper Focus

Too many characters, too little time.

As much as it pains a Potterhead to say this, Fantastic Beasts: The Crimes of Grindelwald has some flaws. Its plot doesn’t quite add up when it comes to the stories we’ve known for over a decade; women’s roles are reduced to either a tragic love interest, or worse — wordless; and characterisation that was introduced in Fantastic Beasts and Where To Find Them is undone in places.

Its biggest misstep, though, is that it tries to say too much and in doing so, ends up simultaneously chaotic and dull. Subplots are glossed over, relationships go underdeveloped and obstacles are easily overcome in order to messily move on to the next clunky sequence.

Fantastic Beasts 3 needs to be sharper and to deepen the richness of Rowling’s world and characters. Otherwise, it runs the risk of falling at the same hurdles. One of the best things about Harry Potter was how much it made you relate to and root for the likes of Ron, Hermione and Harry. If Fantastic Beasts 3 remembers it’s the individuals that we truly care about, not some grand unfolding war, then it might turn this franchise around.

Dumbledore Desperately Needs a Love Story

The post What Needs to Happen in ‘Fantastic Beasts 3’ appeared first on FANDOM.



The 60-20-20 Budget Puts Needs Before Wants. Here’s How to Try It

I always thought the right budget breakdown was the tried-and-true 50-30-20 method, where 50% of my monthly take-home pay goes toward living expenses, 20% toward savings and 30% toward whatever I want.

But when I finally got a financial advisor, I was surprised to hear that his recommendation wasn’t 50-30-20 after all — it was the 60-20-20 budget.

During our first meeting, we discussed all of my finances. I explained to him that I own a home in a costly state (hello, New Jersey), commute to work in New York City, aim to save a large amount every month and have little debt.

With all of this and more in mind, his recommendation of the 60-20-20 budget made perfect sense. I immediately became a huge fan of how the money I save and spend on whatever I want is equal — each 20%. Plus, knowing I was allowed 60% of my monthly budget for my living expenses, I had a little more flexibility over my fluctuating bills like groceries and electric.

Why the 60-20-20 Budget?

In reality, you can budget your take-home pay any way you want, but the 60-20-20 budget is great place to begin.

Let’s say your monthly take-home pay is $ 4,000. According to the 60-20-20 budget, you should allot 60% (or $ 2,400) to your monthly living expenses, 20% (or $ 800) to savings and then 20% (another $ 800) to your personal wants.

My financial advisor, Northwestern Mutual insurance agent Nicholas Verard Zanoni, said this method can help you build structure into your budget and learn how to save.

“With this rule, 60% of your [take-home pay] will typically go toward your lifestyle expenses,” Zanoni said. “These are your needs — food, water, shelter and standard of living. Things like your fixed expenses. Then 20% is for your discretionary spending. This is your fun money — traveling, drinks, sporting events, concerts, eating out, etc. And the last 20% is to be saved or invested.”

It’s not much different than the 50-30-20 budget, but it puts more of a focus on fixed expenses and savings than personal wants and spending.

“This is a rule-of-thumb guideline to start out with and visualize,” Zanoni said. “Whether it’s 50/30 or 60/20, it’s really just splitting hairs in a lot of ways. Ultimately, my goal is to help coach my clients at first to spend 80% and save 20%.”

When you take a step back and look at how much of your take-home pay goes into each of these three buckets, you can better analyze your spending in order to make smarter savings decisions.

How to Get Started With the 60-20-20 Budget

If you’re ready to utilize the 60-20-20 budget, start by taking inventory of your finances. Write down every monthly expense you can think of and keep track of them in a spreadsheet. Then look at how much you’re spending through the lens of the 60-20-20 budget.

From there, consider using a financial app to help you find ways to cut back and save even more.

“People should focus on treating their savings like a bill, an obligation and not so much of an option,” Zanoni said. “Focusing on fixed expenses and saving helps identify the money that might be being spent unnecessarily or without much recognition. More often than not, most individuals are not aware of all of the things they spend money on.”

This budget could help you be more aware of your spending habits, especially when you’re doling out the dough for things you don’t really need (hi, super cute sweater from H&M) or that you’re not using (hello, monthly streaming subscriptions).

Instead of equally spending $ 800 on savings and $ 800 on your personal wants, perhaps you’d want to put $ 1,000 toward your savings and only spend $ 600 on your personal wants. That would shift the 60-20-20 budget to 60-25-15, and you’d be saving more.

“In order to reach the goals we have for ourselves, we very typically find that we need to increase savings to 25 or 30% over time to reach those goals,” Zanoni said. “People may not be able to start out at 20%, but that’s what we want to help them achieve and work toward at first. Over time, we will need to be saving more as we continue to progress in life every single year.”

Lastly, Zanoni said to keep your goals in mind and consider working with a financial advisor who can help you stay on track.

“Focusing on that budget and making sure that they work with someone to help optimize that budget for all of their goals is really the most important part,” Zanoni said.

Budgeting is all about finding ways to set yourself up for financial freedom. Starting now can really make a difference in the future.

Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM) and its subsidiaries. Nicholas Verard Zanoni is an insurance agent of NM.

Hilarey Wojtowicz is the senior career and finance editor at Swirled, a lifestyle newsletter and website that helps millennials learn everything they need to know in order to truly start adulting.

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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No Propellers or Turbine Needed: MIT’s New Airplane Needs No Fuel or Moving Parts.

Ever since the Wright Brothers launched their sustained flight of an aircraft, people have been ferried through the air in planes powered by moving parts–typically, a propellor or jet turbine.

A paper published in Nature this week shows that a team of aeronautics scientists at the Massachusetts Institute of Technology has designed, and successfully flown, an entirely new type of aircraft: One that has no moving parts, requires no fossil fuel, and lacks the loud droning sound traditional aircraft can emit–a plane that seems closer to sci-fi than it does aircraft aloft in the skies above Earth.

The paper describes a plane powered by electro-aerodynamics, a process in which “electrical forces accelerate ions in a fluid,” it says, creating a phenomenon called an “ionic wind that produces a thrust force in the opposite direction to ion flow.” Such technology had been around for a while, helping to power spacecraft beyond Earth’s atmosphere, one aerospace engineer told Scientific American. The trick was powering a plane through our planet’s skies.

Put into plain English, here’s how MIT explained the potential advancement in air-flight technology. “When a current passes between two electrodes–one thinner than the other–it creates a wind in the air between. If enough voltage is applied, the resulting wind can produce a thrust without the help of motors or fuel.”

But here’s the catch: The MIT researchers designed a mere drone that weighed about five pounds and had a roughly 16-foot wingspan, Popular Science reported. In ten test flights, the electro-aerodynamically powered plane flew as long as 230 feet at around 11 miles an hour. “Then it crashed into the wall, which wasn’t ideal,” one researcher was quoted as saying.

Maybe that’s not the stuff of future air travel, or even the enduring legend of Kitty Hawk. But the achievement is being greeted as a promising prelude to the future air flight. Electro-aerodynamics may not be close to replacing propellers and jet turbines any time soon, but it could open the door to new alternatives in air travel.

“You could imagine all sorts of military or security benefits to having a silent propulsion system with no infrared signature,” said MIT professor Steven Barrett, a co-author on the Nature study.



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


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This Company Offers Life Insurance That Actually Responds to Your Changing Needs

Pop quiz time. What do you think about when you think about buying life insurance?

Time’s up! Did you think of pushy salespeople? Or maybe your mind went to the dreaded thought of getting locked into a 20-year policy that isn’t right for you even five years down the road.

Your life is constantly changing, and that’s a good thing. What you really want is life insurance that can change along with you.

According to the Insurance Information Institute, an independent resource for information on all things insurance, 44% of consumers overestimate the cost of life insurance, and more than half of them say they’d get it if they could just get it priced without a physical exam.

If you think you’re ready for a term life insurance plan to help protect your family, check out Ladder. You’ll find that you can get life insurance that is easy to get and easy to change when your life takes a new path.

My Life Changes. What About My Policy?

One of the hardest parts about choosing a life insurance policy is trying to figure out just what kind of policy is the best fit for you and your life. What if you sign a 15-year policy and your life situation changes?

People get married, buy houses, have kids and then, eventually, those kids move out and do their own thing.

Ladder gets it. Your life is dynamic, and your life insurance coverage should be able to change with it. That’s why it offers flexible coverage.

Sign up for the coverage you need, but when your life takes a new path, Ladder lets you add more or even reduce your coverage without dealing with high-pressure agents or even tedious paperwork.

Back up — What Is Term Life Insurance?

Simply put, term life insurance is a life insurance policy that pays out a benefit upon the death of the policy holder. The policy is purchased for a certain term, for example 10 or 20 years, and the policy holder can choose to renew their policy once it expires.

The biggest determining factors in the cost of a term life insurance policy are the amount of coverage (the amount left to the family) and the age, gender and health of the person insured.

The primary benefit is the ability to leave money for loved ones for things like funeral and living expenses.

For example, imagine a man who is 35 years old, married and has two kids. He may choose to purchase term life insurance. If he should die unexpectedly, the insurance policy would leave a predetermined amount of money to his wife and kids to help pay funeral costs. It would also help them get by without his income, so they could continue to pay their bills, stay in their home and continue their education.

Keep Life Simple

You can use Ladder’s coverage calculator to figure out how much coverage you should have. Then your online application only takes a few steps:

  • Take about five minutes to answer a few questions about your life and health, such as your income.
  • You’ll get an instant decision on coverage, and there’s no risk. You won’t even have to go get a full physical. Some simple lab work might be required, but that’s easy, right?
  • You’ll need to enter your driver’s license and social security number, which is true for any life insurance application. The company needs this information to verify your identity and prevent fraud,. It uses a secure website and will not sell your private information.
  • You’ll pay no policy fees, and you can cancel anytime. You even get a 30-day money-back guarantee.

Your life is full of changes. Make sure your life insurance can change with you.

Life can be hard, and making decisions about it can seem even harder. Ladder makes life insurance easy to get and easy to change.

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

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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5 apps every traveling foodie needs


For many travelers, their next vacation spot is not just about the scenery, the shopping or the sightseeing. In fact, for many the local cuisine and the food in general is the main focus of their trip. People would actually buy a plane ticket, pay for a hotel room and go through all the ‘burden’ of planning a trip just to go and, we guess, eat. We can totally understand that passion for food and for trying out new things and enticing your taste buds all so very often as we also love the idea of traveling for food. While for many tourists (or even local) going out to a restaurant is just another way to ease their hunger and continue from there, for others it’s really a mission to try out as mush as they can.

What makes one a foodie? We mean, there’s really so much more to being a real foodie than just snapping awesome and Instagram-worthy pictures of your dessert or dinner. It’s actually a deep dedication (and passion) to the colorful culinary world. It seems, though, that these days we are swamped with food and drink-related apps. We don’t know anymore if it’s an app that is all about restaurants and how to find the best one according to your preferences in your area, or whether it’s an app that is about booking the best seats at your favorite place. The choices are endless, the concepts are cool and appetizing, but if you’re looking for specific apps that will match your inner foodie when you travel and make your dining experiences even better, then we’ve rounded up five of the best and most useful apps to help you in that area.

Off the Menu

Every foodie knows that a big part of sharing your dining experiences is about those unique things that happened to you during that time or special dishes you tried that no one else would even dare to try. Well, with Off The Menu you will get to see secret menus and special items that restaurants wouldn’t necessarily offer its guests. With this app you will get a ticket to the backdoor of every important kitchen across the U.S and Canada and will get to try out new things like no one else. This is your way to stay hip and trendy in the restaurant world.

Happy Cow

Being a vegetarian or a  vegan these days does not mean that your options are limited. On the contrary, it seems like there are more and more veggie restaurants rising and with the help of Happy Cow, you can now find them easily around the world. The main purpose of the app’s founders was to make healthy food more accessible and easy to find.

Roaming Hunger

Now this app is one of the coolest food-related apps we have ever seen around. The Roaming Hunger really combines one of the biggest trends in the culinary world these days and that is the wheeling trend of food trucks. With this app you will be able to locate the closest food trucks in your area. There is something so neat about food tricks and their concept that some places are actually worth traveling for just for their mobile food stations.


Foodspotting couldn’t be more specific as it’s not about the restaurants, it’s actually about the dishes. Sure, these two go hand in hand, but the app focuses on specific dishes and their visuality rather than the quality of the service. By using the app, foodspotters can share pictures of their meals with other users and recommend about these dishes. It’s like sightseeing, but just about food.

No Wait

Every professional foodie knows how hard it gets to try and score a table at a popular restaurant. In fact, there is nothing more disappointing than to travel to a place just to realize you can’t find a spot at a restaurant you’ve been dying to dine in. With NoWait, you will place yourself on the waiting list from pretty much anywhere. Users will be able to see real-time wait times that will save them a lot of time and energy.


The post 5 apps every traveling foodie needs appeared first on Worldation.



Goldman Sachs: The economy needs to slow down to avoid a ‘dangerous overheating’

A thriving labor market is part of a continuing economic boom that will have to slow down or it eventually will cause trouble, according to a Goldman Sachs analysis.


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‘Jersey Shore’ Star Ronnie Ortiz-Magro’s Troubled Baby Mama Explains Exactly What She Needs To Get Out Of His Life

Just days after Jersey Shore: Family Vacation star Ronnie Ortiz-Magro and his girlfriend Jen Harley announced that they were happier and more in love than ever, the two got into a vicious social media war with Instagram stories. And, it all started when Ortiz-Magro accused Harley of neglecting her kids, so she could go out and drink.

In a series of now-deleted posts, Ortiz-Magro accused Harley of leaving her 12-year-old son home alone while she went out partying with friends.

“Left 12yr old son alone while she went to drink” read an Ortiz-Magro snap taken at 6:38 am on October 21st. “This is why i had the baby bc she wasn’t home at 630 am and her son alone until 930 am.”

It wasn’t long before Harley started firing back, writing that her daughter was screaming and crying under Ortiz-Magro’s care, and she was scared because she never cries like that.  “I’m so heartbroken,” wrote Hartley.

According to Radar Online, it was at this point that the feud started to escalate. They brought up their fight on Jersey Shore when Harley made a scene and stormed off after a night of drinking with Ortiz-Magro and the rest of the cast. And, Harley accused her boyfriend of never wanting her to be part of the group.

All of this played out on the most recent episode of Jersey Shore. They were all enjoying a night out at Harrah’s in Vegas to see DJ Pauly D, but a hotel rep showed up to let Harley know the property had banned her. But, Ortiz-Magro convinced the rep that everything would be calm, and they allowed her to remain on the premises. She ended up getting drunk and fighting with Ortiz-Magro before ditching him and the rest of the cast.

Back to their social media feud, Harley also asked via text (Ortiz-Magro posted screenshots) for the reality star to give her $ 20,000 so she would leave him alone.

“Pull out 20K, and I’ll go,” wrote Harley.

After accusing his girlfriend of giving him a black eye, Ortiz-Magro then posted a creepy video (which he has since deleted) where fans could hear harsh sounds inside his home. In the caption, he wrote that the sounds were of an assault with a weapon and hands. He added the hashtags #BatteredMen, #MenLivesMatter, and #AbuseOrNah.”

Harley and Ortiz-Magro have tried to make their relationship work after the birth of their daughter in April. But, even with counseling and anger management classes, they still can’t seem to get along. She even claimed on Instagram that Ronnie Ortiz-Magro took their daughter a few days ago and has refused to give her back.

New episodes of Jersey Shore: Family Vacation air Thursday nights on MTV.

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Reformation’s New Holiday Collection Is Here for All Your Sexy Winter Party Needs

Each year around this time, Reformation releases a holiday collection that suddenly makes us forget about our winter plans to cozily hibernate and watch Netflix every night, and instead try to fill our calendar with events that will necessitate the purchase of at least one of its cute party …

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What every tech company needs: A cardiologist

For the largest tech companies, cardiologists are the new hot commodity. 
Health and Science


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

‘Cool Kids’ star Vicki Lawrence: TV needs more rowdy seniors

The Cool Kids | Friday, 8:30 p.m., Fox Vicki Lawrence never felt she was part of the “in” crowd, despite getting her big break as a teenager on comedienne Carol Burnett’s 1967-78 variety show. But when Fox picked up her new sitcom, “The Cool Kids,” her former boss made sure to clarify her status. “I…
Entertainment | New York Post


Meghan King Edmonds Takes First Kids-Free Vacation in 2 Years: ”Our Marriage Needs It”

Meghan King, Jim EdmondsMeghan King Edmonds is ready to switch from mommy mode to vacation mode.
The Real Housewives of Orange County star and her husband departed for their couple’s getaway to Mexico today…

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Meghan Markle’s Leather Skirt and $100 Top Are the Fall Staples Every Boss Needs

ESC: Meghan MarkleMeghan Markle just wore a look that every professional (or student) needs to add to their wardrobe.
Today, the Duchess made an appearance in Sussex with Prince Harry to greet the…

E! Online (US) – Fashion Police

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15% Off Customized Baby Gifts! Use Code: FLEX15

The perfect fire-starter for your camping needs


Whether you are a survival specialist or a casual camper, this fire-starter by SE is the perfect tool. It comes with it’s own flint, magnesium bar, and serrated striker. Plus this bad boy is water proof.

Heads up: All products featured here are selected by Mashable’s commerce team and meet our rigorous standards for awesomeness. If you buy something, Mashable may earn an affiliate commission. Read more…

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


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