Living with your parents to save money might dim your chances of becoming a homeowner

Young adults who lived with their parents between the ages of 25 and 34 were actually less likely to become homeowners after 10 years than those who didn't.
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New Parents Meghan Markle and Prince Harry Let Their Clothes Speak for Them

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Just two days old, Archie Harrison Mountbatten-Windsor made his television debut swaddled in white cloth and matching his mother, Meghan Markle.

The new parent, also clad in cream, wore a sleeveless trench dress for the Windsor Castle press conference. Though the midi was first reported to be from Givenchy, the house that made Markle’s wedding dress, it was later clarified to come courtesy of London-based menswear designer Grace Wales Bonner.

Unlike her royal predecessors Kate Middleton and Lady Diana, who opted for bright, patterned frocks during their first post-birth appearances, Markle chose a pristine, clear eggshell hue.

Read more at The Daily Beast.

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Ninja Says There’s ‘Always Going to Be Trash Talk’ Online, But It’s Up to Parents to Help Police It

Tyler “Ninja” Blevins, who scored a legion of fans with Fortnite livestreams that have hooked millions, says trash-talking in the online gaming community needs to be monitored – but said it’s up to parents to help police it, too.

“There’s always that friendly banter. Sometimes it gets a little rough,” Ninja, one of the 2019 TIME 100 honorees, said at the TIME 100 Gala Tuesday. “But I think that in general just the Internet as a whole is a place where people can say whatever they want with anonymity. It always needs to be monitored and people need to always be careful.”

But, he added: “I challenge parents to make sure that they’re reading their children’s tweets and their comments on Instagram posts and monitoring them. You know, be good parents.”

Thanks to the blue-haired pro gamer’s mastery of the insanely popular game, he’s extended his staggering reach into an offline empire. Blevins came to the TIME 100 Gala on Tuesday night in New York City to celebrate with the latest crop of luminaries

He said that becoming a professional gamer is incredibly difficult, but it’s achievable with hard work and dedication.

“I think you put your whole heart into what you want. And if you have the time — which everyone has the time — you can play 8 hours a day and still have 8 hours left in your day to go to school, do well, go to work. And even with a full-time job, you can still put in 8 hours,” he said.

Pittsburgh Steelers wide receiver JuJu Smith-Schuster took part in Ninja’s iconic record-smashing stream last year that drew Drake and Travis Scott, drawing more than 600,000 viewers so it was only fitting that Smith-Schuster wrote Ninja’s TIME 100 profile.

“I was among the millions of people all across the world who had been watching Ninja play ‘Fortnite,’ the popular video game, every day for months,” he wrote in TIME. “He was the unquestioned best in the world at his craft, something I had so much respect for both as an athlete and as a fan. Now, he was single-handedly blending gaming and pop culture.”

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Desus and Mero Aren’t Your Parents’ Late-Night Hosts

When Anna Kendrick goes on talk shows, she often gets asked to sing. The Pitch Perfect star has staged mini-musicals with James Corden and broken into show tunes with both Stephen Colbert and Conan O’Brien.

But when Kendrick appeared on Showtime’s talk show Desus & Mero this week, she didn’t sing. Instead, she joined its eponymous hosts at the strip club. In a romp through the Bronx, Kendrick and the pair threw money inside the club and shot dice outside it, all while discussing baked goods and how to get the best discounts at The Container Store.

In case it wasn’t clear: Desus Nice and the Kid Mero aren’t your parents’ late-night hosts. If other comedians dance right on the edge of the line, the Bronx natives stomp on all over it in their Timberland boots. The pair, born Daniel Baker and Joel Martinez, respectively, has risen to prominence over the last few years through their lightning-quick rapport and encyclopedic knowledge of culture: first on a freewheeling podcast, and then on an equally shaggy talk show on Viceland.

But with their arrival on Showtime, the pair faces their biggest challenge yet: How do they balance their specific sensibilities with their larger aspirations toward cultural saturation? “We always want to get to that Kevin Hart point, where you’re just like, ‘God damn, they’re in this too?’” Desus says.

On the broadcast networks, late night is still dominated by white men. But on cable and streaming, the landscape has been invigorated by a diverse set of comics with hyper-specific worldviews and life experiences, from Samantha Bee to Hasan Minhaj to Busy Philipps. Likewise, Desus and Mero’s proud distinctiveness serves them well in this fractured cultural moment, in which the big tent of entertainment has caved in.

But it’s been a long road for Desus and Mero to arrive at this point. Before they turned to entertainment full-time, Desus, who is Jamaican-American, worked odd jobs around the city, including for a black financial magazine. Mero, who is Dominican-American, was an aide at a public school in the Bronx by day and a music blogger by night. “I remember sitting in an old dusty recliner that probably had bed bugs until 3 in the morning to write a music review for literally $ 50,” Mero says.

The pair connected on Twitter and launched the podcast and web-series Desus Versus Mero in 2013, which they recorded sitting on milk crates. Two years later they started appearing on MTV and began the cult favorite podcast Bodega Boys, an unstructured and virtuosic series of exchanges focused on internet and hip-hop culture. In 2016 they signed on to host a talk show similar to their new one as part of Viceland’s early wave of programming to court millennial audiences.

That daily show brought them wider recognition but ended in an acrimonious departure; the pair still throws barbs at Vice on their podcast, and have talked about feeling “undervalued” by the network. “The rate we were going was not sustainable,” Desus says. “We literally would have just quit.”

When the pair announced their move to Showtime, they were met with raucous enthusiasm but also anxiety that the pair’s most uninhibited impulses and deep dives into black culture would be diluted by the bigger platform. “I’m nervous now about Desus/Mero moving to Showtime,” Questlove, the drummer of the Roots, wrote on Twitter. “I cringe at upgrading in almost every situation.”

When I show him the tweet, Desus responds by flipping Questlove’s own history back at him, citing how the Roots’ progressed from their early classic Do You Want More?!!!??! to 1999’s Things Fall Apart. “I was one of those haters, saying, ‘I miss the old Roots. It’s not stripped down enough,’” Desus says. “But Things Fall Apart is an amazing album—they had Common and actual breakbeats and could clear samples. Artists have to grow.”

For Desus and Mero, growth on their new show includes acting in sketches—including a lacerating parody of Green Book—field pieces, and higher-wattage interviews. Compared with their staff at Viceland, their staff has more than doubled, giving them a writer’s room—a strange luxury for two comics who excel when working by themselves and on the fly.

This writer’s room doesn’t pen typical monologue jokes, though. At a writer’s meeting in March in midtown, there was nary a pun or political joke to be heard; the team instead whizzed through riffs on hipster wrestling, Goyard-themed Nascar teams and the ill-fated Inwood party haunt La Marina. The writers’ jobs are not to write punchlines but mostly to create prompts that spark the duo’s sharpest energies. “It’s so different from other writer’s rooms, because a lot of it is just getting out of their way,” head writer Michael Pielocik, who left his job at The Late Show With Stephen Colbert to join them, says.

So far, the creative and financial upgrades have allowed Desus and Mero to be the most indulgent and raucous versions of themselves. They have thrived in field visits to their home territory, from bantering with bodega owners to writing a song about butts with John Legend. The writer’s room has also delighted in surprising the pair on set with online-born oddities, like a machine that made squashy pancakes that were supposed to resemble their faces.

“If we’re in a cafeteria, all the late-night guys are over there,” Mero says, motioning with his hands, “and we’re over here doing the Clipse beat on the table, throwing sh-t across the room.”

Yet as much as Desus and Mero revel in their outer-edge appeal, they’re also gunning for the center of the cultural world. Mero likens this incarnation of their brand to “lap two of the Daytona 500”; they have a book deal with Random House, will continue hosting comedy tours and hope to eventually host awards shows and act in dramatic films. “Wait until I’m in a Tyler Perry movie doing a wild dramatic role,” Desus says, flipping into high gear: “‘Mamma, we ain’t got the rent!’”

In the present, show is still working through growing pains. Ratings have been soft, and the pair cut down the studio audience after the first show’s large crowd felt too impersonal. They moved interviews offsite and back to their cozy den in hopes of decreasing awkwardness. They’ve also realized the necessity of self-censoring some of the more risqué jokes that would have flown on the podcast, especially since their executives at Showtime have been hands-off: “They give you enough rope that you could hang yourself,” Desus says.

And the pair will have to figure out how to navigate the political world, a requisite in a late night landscape that is dominated by commentary aimed at President Trump. A visit to their old Bronx friend Alexandria Ocasio-Cortez’s DC office made for warm and engaging television—but a trip to Troy, NY with Kirsten Gillibrand came across more awkwardly; she failed to recognize Desus’s use of the word “banging” when describing food.

“You don’t want to allow yourself to be weaponized for a candidate to pander to people of color,” Desus said.

But while Desus and Mero might not be a finished project, it’s still rife with high-flying, gasp-inducing humor and serves as a blast of fresh air to the late-night landscape. “If you turn your TV on and want Jimmy Fallon and the Roots, that’s there for you,” Desus says. “If you want something a little jarring, a little edgier, a little scary—we’re there.”


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How to Save for Your First Apartment (and Escape Your Parents’ Basement)

Living on your own is blissful. Paying to live on your own? Not so much.

Renting your first place is a huge step on the path toward adulting, but if you don’t know how to save for an apartment, it can also drain your bank account and cause a bunch of headaches.

If you’re ready to make that leap to become a first-time renter, here are all the factors you need to consider so you’re financially prepared when you go apartment hunting.

What Can You Afford to Spend?

Your rent will very likely be your largest single expense each month. But you don’t want to spend more than your annual income can support.

A good rule of thumb is that your rent should be no more than a quarter to one-third of your take-home pay. For example, if you bring in $ 3,000 per month, you should be looking for apartments in the price range of $ 750 to $ 1,000.

If you find a great place for even less — awesome. But trying to get a place that exceeds that price threshold could put you in a financial crunch.

Potential landlords will want to verify you’re making enough money to afford rent, so you’ll typically be asked to provide pay stubs as proof of income. If you’re just starting a new job, you may be asked to provide the offer letter from your new employer that includes the salary you’ll be making.

Property managers may also look for renters who have good credit scores. A good credit score shows you have a history of paying bills on time and aren’t carrying a high debt load.  

Defaulting on your student loans, letting your cell phone bill go into collections or maxing out all your credit cards are actions that could cause a landlord to deny your rental application. Your apartment manager wants to see you’d be able to handle the financial responsibilities of renting a place on your own.

If your income isn’t high enough or your credit is less than stellar, that doesn’t mean it’s impossible to rent an apartment.

Some property managers will allow you to get someone to co-sign your lease. This would be someone, like a parent, who wouldn’t live in the unit but would be able to meet the income or credit requirements and would be on the hook for paying your rent if you aren’t able to.

Alternatively, the rental owner might ask you to provide a larger security deposit, pay an extra month’s rent upfront or pay higher rent than someone with better financial standing.

The Upfront Costs of Renting an Apartment

A tall apartment building with many balconies is bathed in pretty sunlight.

Finding an apartment you can afford is only one step toward getting a place of your own. You’ll also need to save a significant sum of money upfront.

Make sure to consider these costs when searching for your new home:

Application Fee

This is the cost property managers charge you to have your rental application processed. You can expect to pay between $ 25 and $ 50, but it could be more depending on where you live.

This fee is usually nonrefundable, meaning you won’t get it back if you choose not to live there or if your rental application is denied. Make sure you tour the unit — or a model unit — before submitting an application.

Security Deposit

This is the money the landlord keeps in reserve in case you don’t pay rent or leave your apartment in an unsatisfactory condition at the end of your lease.

Your security deposit could be as low as a couple hundred dollars, or it could be the equivalent of one month’s rent. Generally, if your apartment is in good condition at the end of your lease, this deposit will be refunded back to you.

If the landlord has to fix significant damage, you might get a partial refund or none at all.

First Month’s Rent (and Possibly Last Month’s Rent)

You’ll need to have your first month’s rent upfront when you move in. Some rental property owners will also ask you to provide money to cover your last month’s rent.

If your move-in date isn’t at the beginning of the month, it’s possible your rent will be prorated for that first month, meaning you’ll only be responsible for paying a portion of that month’s rent.

Pet Fee/Deposit

If your furry friend will be living with you in your new place, you could be asked to pay an additional couple hundred dollars upfront. Some landlords will charge a flat fee, while others will have you pay a refundable deposit that you will get back at the end of your lease, provided your pet has caused no damage.

How to Calculate the Cost to Move

Moving can be an absolute pain — and we’re not just talking about the logistics of packing up your belongings or the physical labor of moving heavy boxes and furniture.

Moving comes with its own set of expenses that need to be factored into the cost of renting a new apartment.

Moving costs will vary widely depending on your situation. For instance, you may want to hire professional movers if your new apartment is a third-floor walk-up.

When asking yourself if you can afford to move, consider the following expenses:

  • Boxes and moving supplies: If you don’t have any boxes of your own or can’t borrow any, you could purchase them from businesses like U-Haul or Home Depot for $ 1 or $ 2 per box. They also sell extras like packing tape and cushioning material.
  • Moving truck: A local move with a small truck might cost you $ 20 to $ 40 plus mileage and fees. Or you could end up paying several hundred dollars for a one-way drop-off if you relocate across state lines.
  • Professional movers: You could pay as little as $ 25 per hour per mover for help with a local move. Or you could pay a company a couple thousand dollars to ship your belongings cross-country.

Making Your Place Feel Like Home on the Cheap

A woman pauses to look out the window while doing repairs in an empty apartment.

If you’re moving into your first place, you probably don’t have a bunch of furniture. That’ll save you on moving costs (win!), but it also means you’ll face the expense of decking out your new home.

If you’re itching to fill up your apartment like a perfectly staged HGTV home, take a deep breath and practice some restraint. You’ll be dealing with enough costs as it is.

First, focus on move-in expenses like toilet paper, cleaning supplies and a shower curtain — plus pizza and beer. Then turn your attention to the basic necessities like a bed, pots, pans and maybe a table and chairs to have meals. Get the rest of what you need over time as your budget allows.

You may be able to score free (or super cheap) furniture from friends, family or sites like Craigslist or Facebook Marketplace.

Check garage sales, thrift stores, Goodwill or pawn shops for low-priced items for your new home. Retailers like Walmart, IKEA, HomeGoods and Big Lots are known for low prices, as well as online sites like Wayfair and Overstock.

Budgeting for Living Expenses

Your rent won’t be the only monthly expense you’ll face after moving into your new apartment. If you weren’t previously responsible for paying household bills, you’ll have a great deal of recurring costs to get used to.

Here are some common monthly expenses to expect:

  • Electricity
  • Gas
  • Water and sewer
  • Trash removal
  • Cable
  • Internet
  • Renter’s insurance
  • Parking

The cost of your monthly living expenses will vary, but you should plan to budget at least $ 200 to $ 300 for the above expenses. Ask your landlord if any of these costs are included as part of your rent. For example, some apartment complexes will fold water, sewer and trash services into the cost of rent.

When it comes to utilities like water and electricity, some providers may ask you to put down a deposit before services get turned on. Usually, that money is refundable.

You can also expect to pay an installation fee to set up services like cable or internet. That expense is generally nonrefundable.

If you opt for any extras — like outdoor storage or washer and dryer rental for your apartment — you’ll be paying more each month.

And in addition to that pet deposit we mentioned earlier, some landlords will charge renters as much as an extra $ 50 to $ 100 each month per pet.

When you create your budgeting worksheet, don’t forget to include a line item for an emergency fund. It’s good to set money aside each month, because the bills won’t stop if you lose your job or can’t work temporarily due to an illness or injury. Financial experts recommend having between three and six months’ living expenses in an emergency fund.

If you can’t find room in your budget for savings, you need to evaluate your income and expenses. You’ll either need to increase your income or reduce your expenses.

6 Tips for Saving Money on Renting an Apartment

A man looks out the window of an apartment he has just moved into.

All the costs involved with renting an apartment may have you wanting to renounce the entire idea of living on your own. But don’t be discouraged. The sweet freedom of having your own space can be so worth it.

As you financially prepare yourself for your next big step, here are some money-saving apartment tips to keep in mind.

  1. Look for rental specials. Some apartment managers run specials, such as free rent for your first month. 
  2. Factor in all the amenities of the apartment complex and neighboring area when choosing a place to live. Let’s say one apartment option is $ 900 per month and includes access to an on-site gym and is in walking distance to work and a grocery store. Another apartment costs $ 800 but requires you to have a car and keep paying for your gym membership. You may find the more expensive apartment to be a better deal when you look at the entire picture. 
  3. Talk to your potential landlord in advance if you think you have an issue, like a poor credit score, that would cause your rental application to be denied. The landlord may show leniency. And if not, you can get confirmation that your application will be denied before wasting money on an application fee.
  1. Rent the apartment with a roommate. You can save significantly by splitting costs with a roommate (or several). Just make sure you discuss in advance who is responsible for what and establish some ground rules to maintain the peace. 
  2. Do a thorough walk-through before moving into your apartment unit. Bring any existing damages or other issues you notice to the property manager’s attention. Though it may not help you save on the apartment upfront, you’re more likely to get all of your security deposit back when you move out if it’s noted that those scratches on the hardwood floor existed before you moved in.
  1. Look into public assistance options if your income can’t cover the average cost of housing. The U.S. Department of Housing and Urban Development provides resources for rental assistance programs — such as Section 8, public and privately owned subsidized housing — to make housing affordable to low-income people.

Nicole Dow is a senior writer at The Penny Hoarder. She’s lived in five different rentals over the last 10 years.

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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Have Your Parents Helped You In Your Career?

In the wake of the college admissions scandal, let’s discuss: Have your parents helped you in your career? A little or a lot? Were they involved in those first internships? Reminded you of deadlines or provided wake-up calls? If you have kids of your own, how does the way you plan to parent differ from the way your parents did?

I think most of us, having read all about some of the crazier parts of the scandal, would say NO, NEVER EVER. But I saw a fascinating article in Inc. Magazine titled “Please Stop Parenting Your Adult Children” that quoted a recent study USA Today had reported on, finding:

By the time kids are old enough for college and way beyond the point they should have graduated, parents — whether wealthy or not — are still doing things children can do for themselves. Such as:

  • 76 percent reminded their adult children of deadlines they need to meet, including for schoolwork
  • 74 percent made appointments for them, including doctor’s appointments
  • 15 percent of parents with children in college had texted or called them to wake them up so they didn’t sleep through a class or test. 

Oh. Well. If “snowplow parenting” includes bribing the tennis coach, thereby “plowing through” any and all obstacles, it’s an interesting question whether or not classic coddling counts as being in the same universe. For example, I kind of associate that level of coddling with older men — boomers or older — where their mothers did everything, from cooking, cleaning, laundry but absolutely acting like a personal assistant and arranging wake-up calls, personal care appointments (haircuts, etc.), reminding them of deadlines, and more. 

For my $ .02, I have always leaned heavily on my parents for advice and guidance, and I’m definitely guilty of using my mom as a personal assistant — she’s booked a zillion flights for me, although most of them were to visit her. Mom hasn’t called me for a wake-up call in a while (that’s what 4-year-olds are for!), but I definitely remember her calling to wake me up before the LSAT, and possibly even the bar exam, although by that point I may have figured out that if you ask the hotel for one, you don’t actually have to talk to anyone because it’s just a recording. (These things matter to introverts!)

As far as internships and other jobs go, I can honestly say my parents never made any connections for me or got me any jobs, even at a really young age — but their financial support obviously freed me to pursue unpaid internships and other experiences with little regard for money. 

{related: my first seven jobs

With my own kids… I don’t want to coddle them, but I do think some personality types require a push to achieve greatness, particularly with academic success — for example, the kid who coasts and easily gets a B+ when with a bit of attention and focus could get a much higher grade. It’s early days for that sort of stuff for my kids (almost 5 and 7), so we’ll see… but at this point it’s a hard no on bribing coaches. 

Readers, how about you — looking over the study data, would you include yourself in the 76% of people who’ve asked your parents to remind you of important deadlines, the 74% of people who’ve asked your parents to make appointments for you, or the 15% of people who’ve used Mom for a wake-up call? What else, now that you think about it, have your parents done to help your career? Where do you think the line exists between snowplow parenting and just garden variety coddling?

Stock photo via Stencil.

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Parents arrested after young children found locked in dog cage, living in squalor

A mother and father were arrested in north Texas on Tuesday after four young children were found living in squalor in a barn without food or water, authorities said.
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Parkland parents: Time doesn’t heal all wounds

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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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Pediatrician: How I partnered with parents who didn’t want to vaccinate

Vaccinating, like all parenting decisions, is one that is made from a place of love and caring. A parent who chooses to vaccinate has their child’s best interest at heart, as does a parent who chooses not to vaccinate.


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Dear Penny: I Want to Help My Elderly Parents by Buying Their House

This sounds like a super generous move. After so many years of turning to your parents for care and advice, this is, for many, the dream: to be able to return the favor. But caring for your parents in this way can have a lot of complications.

I called in help from two experts: financial adviser Stephanie McCullough, and financial adviser Andy Wang, who also hosts the “Inspired Money” podcast.

First: Can you afford to take on another mortgage in addition to your own? It’s worth spending the money to discuss the long-term impact of this move with a tax professional and an attorney, Wang advised.

McCullough took her warning even further. “If I were your financial planner, I’d be advising you to look out for yourself and your husband,” she wrote in an email.

Consider your upcoming retirement. What will happen when the paychecks stop and you have to start living on your savings? Look carefully at your cash flow and imagine what would happen if you or your husband lost your job, or became disabled prior to your target retirement date, she recommended.

Two technical matters Wang said to check on before moving forward: whether the loan is assumable, meaning you could take over mortgage payments by assuming the loan; and whether the loan has a “due on sale” clause that would require the loan balance to be paid upon transfer of property. The former might provide an alternative option for you, while the latter could lead you to pause on your plan to buy.

If there’s a reason you want to own the house beyond your parents’ tenure there — maybe it’s been in your family for some time — you’ll need to plan for that future, McCullough said. Unless you plan to eventually live there yourself, keep in mind that managing a rental from far away can be stressful.

Wang brought up one more “what-if”: the possibility that your parents could outlive you. “You’d also need contingency plans in case something were to happen to you to ensure your parents may continue to reside there,” Wang said.

What’s your real motivation here: to keep the house in your family, or provide financial stability for your parents? If it’s the latter, it may be worth thinking about alternative options to support them while ensuring your own long-term financial security.

Have a tricky money question? Write to Dear Penny and you might see your question answered in an upcoming column.

Lisa Rowan is senior writer at The Penny Hoarder, and the voice behind Dear Penny.

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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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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Immigration concerns keep some parents from getting their kids health services

This decision to forgo care comes at a cost.
ABC News: Health

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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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Some states allow parents to get out of vaccinations. Then this happens

Two states experiencing a measles outbreak, Washington and Oregon, allow parents to opt out of vaccines simply because they want to.


CNN.com – RSS Channel – Health

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To get their children mental health assistance, parents are forced to give up custody

Advocates blame decades of inadequate health care funding.
ABC News: Health

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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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For parents of separated twins, inspiration and heartache

Jadon and Anias McDonald, the once-conjoined twins whose separation surgery captivated millions in 2017, are now 3. Their progress in the two years since is both awe-inspiring and heart-wrenching.


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How Fortnite Triggered an Unwinnable War Between Parents and Their Boys

In less than 18 months, the last-man-standing videogame has grabbed onto American boyhood, pushing aside other pastimes and hobbies in a way few can resist. As games get smarter, and questions about screentime more urgent, parents feel outmatched.
WSJ.com: WSJD

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How parents protect children from the long-term effects of stress

When young children experience violence or poverty, the effect can last well into adulthood. But new research suggests that a strong parental relationship could override some of these effects, by changing how children perceive the environmental cues that help them distinguish between what’s safe or dangerous.
Parenting News — ScienceDaily

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Parents’ brain activity ‘echoes’ their infant’s brain activity when they play together

Research shows for the first time that when adults are engaged in joint play together with their infant, the parents’ brains show bursts of high-frequency activity, which are linked to their baby’s attention patterns and not their own.
Child Development News — ScienceDaily

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De Blasio doesn’t care what parents think about his elite-school-quota plans

Deputy Chancellor Josh Wallack last week became the highest-ranking Department of Education official to face the public about the DOE’s plans for racial re-engineering of the city’s elite high schools. It didn’t go well: Most of the crowd of 350 parents from Manhattan’s District 2 jeered, booed and otherwise expressed their fury. Yet no amount…
Opinion | New York Post

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Jada Pinkett Smith Gets Emotional Talking About Parents’ Abusive Relationship

Jada Pinkett Smith’s Facebook Watch series, Red Table Talk, wouldn’t be as successful as it is if she didn’t spill all the tea about her personal business.

And Monday’s episode was no exception, as the actress dished on dealing with domestic violence.

Jada talks to her mother, Adrienne Banfield-Norris, about her abusive relationship with her father, the late Robsol Pinkett Jr., who died in 2010. Adrienne reveals that Pinkett Jr. physically abused her and was typically drunk during his violent spells.

“See, I was a violent drunk too, that’s why I had to stop drinking,” Jada replies.

“He gave me a black eye once, and I tried to hide it from Mommy, but she saw it,” Adrienne says.

Jada breaks down talking about her late father, who she describes as a “gentle soul.”

“It’s not easy to hear that your parents experienced that together,” she says, as Adrienne remarks that she wishes Robsol was still alive to share his side of the story.

“Now that I’m older, I have so much more compassion in knowing what he had gone through. You know, ’cause I was pretty harsh on him.”

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New York Parents Are Turning to Reiki Healers for Their Stressed Kids

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Frankie Martucci is 13. For the past three years, he has kept a familiar nighttime ritual in his Upper West Side bedroom. Rather than scrolling Instagram or watching TV before bed, the teenager lies on his back, then places his hands on his head, stomach, and torso. Martucci practices reiki, a touch-based healing technique.

“It’s a nice way to relax and calm down for at least a half-hour,” Martucci said. “It gets all the bad stuff out of the way, and you think of nothing. It clears your mind.”

Frankie learned how to practice reiki around three years ago, after his mother, Tamara, brought him and his brother to Pamela Miles, a reiki master since 1986 and author of Reiki: A Comprehensive Guide.

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Parents put nature in the shopping basket

In a world of vast consumer choice, ambiguous product descriptions and self-appointed experts, parents face a minefield when picking out food, toys or other products for their children. A new qualitative study indicates that naturalness is the current benchmark for consumer choice among parents.
Parenting News — ScienceDaily

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Parents shouldn’t worry if their infant doesn’t sleep through the night by a year old

The authors of a study found that a large percentage of healthy babies don’t start sleeping through the night even at a year old. The research team also examined whether infants who didn’t sleep for six or eight consecutive hours were more likely to have problems with psychomotor and mental development, and found no association. The researchers also found no correlation between infants waking up at night and their mothers’ postnatal mood.
Child Development News — ScienceDaily

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First Look: Boho Bedroom for Miracle Parents | Home Made Simple | Oprah Winfrey Network

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

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Watch Exclusive ‘Boy Erased’ Clip: Jared Tells His Parents

Watch Exclusive 'Boy Erased' Clip: Jared Tells His Parents

Young Jared (Lucas Hedges) has been raised by his loving, devout parents (Russell Crowe and Nicole Kidman) in a small, close-knit town. When rumors begin to circulate about him, however, he finally decides he must talk with his parents, as revealed in our exclusive clip from Boy Erased.

His father, a Baptist pastor, and his mother must reconcile their own firmly-held beliefs with their love for their son. Jared is pressured into attending a conversion therapy program and comes into conflict…

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Stealing Candy from a Baby! Jimmy Kimmel Gets Parents to Pull Halloween Candy Prank on Their Kids

Trick-or-treat! These kids didn’t get something good to eat!

For the eighth year in a row, Jimmy Kimmel has convinced parents to trick their children into thinking they ate all of their Halloween candy.

On the Nov. 1 episode of Jimmy Kimmel Live!, the 50-year-old television host presented his audience with a compilation of parents filming their kids’ reactions to the hilariously cruel prank which he has dubbed “I Told My Kids I Ate All Their Halloween Candy.”

“Now it’s time to find out just how easy it is to take candy from babies,” Kimmel began.

In the first clip, one small boy grimaces like Marvel’s Hulk after being told his mom and dad ate all of his treats.

The boy later tells his mom “You’re going to get sick.” He then says his parents are going to “poop all over the floor.”

In the next video, one boy is in such disbelief about his parents taking his candy that he repeatedly says “but it was in there,” in reference to his trick-or-treat bucket.

He later became too frustrated to speak and just screamed to the top of his lungs.

One little girl took the mature route and told her mom, “I’m so disappointed at you.”

Next up, was another boy who runs into his kitchen to find all three of his buckets completely empty. When his younger sister comes in and asks ‘What happened?’ he just breaks down in tears.

Some kids even resorted to violence after hearing what their parents had done.

One little boy, who was dressed as a firefighter, began hitting his dad on the forehead after his candy went missing.

A different boy also began hitting his father after being asked if he wanted broccoli instead.

RELATED: Round Two! Jimmy Kimmel Has More Parents Pull Halloween Candy Prank on Their Kids

Interestingly, not every kid was upset. In fact, some didn’t even mind that their parents took their treats.

“I’m not mad at all. I would never be mad at you because you’re my mom,” one little boy said and his mom responded with “You’re too sweet. It’s gross.”

One little girl said, “I forgive you mommy. I love you.”


PEOPLE.com

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Bodies of Illinois Professor, Husband Found in River — and Accused Son Was ‘Sick of His Parents’

The bodies of a Bradley University professor and her husband who’d been missing since last Thursday were found dead in an Illinois river on Tuesday — and their son is suspected of killing them, authorities say.

The bodies of Susan Brill de Ramirez, an English professor at Bradley University, and Antonio Ramirez Barron, who worked in the school’s IT department, were found in the Spoon River near Annawan, abutting the riverbank, Peoria County Coroner Jamie Harwood said at a Wednesday press conference.

Both victims were 63 and both died from blunt force trauma to the head and sharp-object and stab wounds, Harwood said.

Peoria County Sheriff Brian Asbell said at a Monday press conference that detectives rapidly zeroed in on the couple’s son, Jose Ramirez, charging him with two counts of first-degree murder and felony aggravated unlawful use of a weapon after officers encountered the crime scene while responding to a suspected burglary Sunday evening.

Ramirez is being held on $ 300,000 bond and has yet to enter pleas to the charges. His attorney could not be reached for comment.

A second man was also arrested for his alleged connection to the killings: Matthew Roberts, 20, is charged with single counts of murder, obstruction of justice and concealment of a homicidal death.

• Want to keep up with the latest crime coverage? Click here to get breaking crime news, ongoing trial coverage and details of intriguing unsolved cases in the True Crime Newsletter.

Roberts is being held without bail and does not have an attorney of record. He has not been given the chance to enter pleas.

The Chicago Tribune reports that Peoria County Assistant State’s Attorney Dave Kenny said during a bond hearing Tuesday that Ramirez allegedly told his friends he killed the pair on Friday because he was “sick of his parents.”

According to Kenny, Ramirez allegedly waited until his parents were sleeping and then used pepper spray to distract them before stabbing them. Subsequently, he allegedly wrapped their bodies in a tarp and a tent, loaded their bodies into an SUV and drove 50 miles to a bridge in Annawan before dumping the bodies.

Police were initially called about a possible burglary by an unspecified relative who went to check on the couple following their unexpected absence from work Friday.


PEOPLE.com

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Advertising in kids’ apps more prevalent than parents may realize

Ninety-five percent of reviewed apps for children ages 5 and under include at least one form of advertising, a new study finds. Researchers found play was frequently interrupted by pop-up video ads, persuasion by commercial characters to make in-app purchases to enhance the game experience and overt banner ads that could be distracting, misleading and not always age-appropriate.
Child Development News — ScienceDaily

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$500 Billion: Study Finds Parents Spend More on Adult Children than Retirement

Recent study insights reveal a telling tale of the extent of a parent’s love — and maybe even negligence — when it comes to their adult children. According to research, retirement security has taken a backseat for parents who are putting their children’s financial well-being ahead of their own future financial security, and they’re halting their golden-year plans just to make sure their offspring are thriving.

According to the study, “The Financial Journey of Modern Parenting: Joy, Complexity and Sacrifice” which was conducted by Merrill Lynch in partnership with Age Wave, parents today spend $ 500 billion annually on their adult children — ages 18-34 — double the amount they contribute each year to their retirement accounts.

More than 2,500 American parents were surveyed for the study which marks the third in a multi-year research series from Merrill Lynch and Age Wave, a company that studies maturing consumers.

“In this new era of delayed financial independence of young people, financial planning is no longer a solo or coupled activity,” Ken Dychtwald, Ph.D., CEO, and founder of Age Wave said in a news release. “It’s become an ongoing family project with longer and different social, housing and economic interdependencies than we’ve seen before.”

80% of parents say they would be willing to make a major financial sacrifice for adult children, including dipping into their savings or cutting back their lifestyles. 25% would take on debt or pull money from retirement accounts. The research also found 31% of early adults ages 18-34 live with their parents, but even if the child is out of the house, parents are chipping in on school costs, health insurance, rent, and car expenses. 59% expect to help pay for their children’s weddings, 26% expect to contribute to their children’s first homes, and one-third plan to contribute to their grandchildren’s college costs.

Despite the financial sacrifices, 93% of respondents said being a parent was the most rewarding aspect of their lives and 94% said raising their children — and the costs that come with doing so — has been worth “every penny.”

“When emotions and money become intertwined, parents risk making financial decisions that can compromise their — and their children’s — financial futures,” Lisa Margeson, head of retirement client experience and communications at Bank of America Merrill Lynch, said in the release. “Parents can navigate this difficult balance by setting clear boundaries about their level of support, fostering financial independence in adult children, and reconciling spending on children with long-term savings goals to avoid jeopardizing their own financial security.”

 

 

The post $ 500 Billion: Study Finds Parents Spend More on Adult Children than Retirement appeared first on Black Enterprise.

Money | Black Enterprise

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HPV vaccine: Why parents really choose to refuse

A new study of survey data finds that only a minority of parents choose not to immunize their children against the sexually transmitted human papillomavirus (HPV) due to concerns that vaccination would encourage or support youth sexual activity, a reason frequently cited by doctors as a barrier to advocating for this vaccine.
Teen Health News — ScienceDaily

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This New Tool Can Help Parents Find the Best Sport for Their Kids

Kids these days: they have so many options when it comes to sports. There are organized travel teams, it seems, for every game: soccer, lacrosse, hoops, the works. While a child’s decision about which sport to play might not be as formative as, say, picking a college, it can sure feel that way. And potentially cost as much: fees and travel expenses for some club teams skyrocket to $ 10,000 per year and beyond.

In trying to navigate today’s youth sports scene, any guidance helps. That’s why a new tool released Thursday by the Aspen Institute’s Sports & Society Program, called the Healthy Sport Index, couldn’t be more timely. The handy website allows families to weigh three factors in deciding what sport makes the most sense: safety, physical activity, and the sport’s psychosocial benefits. The index then provides a customized ranking of ten sports, based on where a child lands on a sliding scale of “low emphasis” to “high emphasis” for each of the three factors.

So say, for example, your son wants to put maximum emphasis on psychosocial benefits: he wants a sport that will help him develop social skills, cognitive skills, and otherwise enhance his mental health. He cares about a sport’s safety, but is willing to take some injury risk; so here, he falls in the middle of the scale. But he’s ambivalent about physical activity: your son doesn’t care how much energy he expends in practice. He gives it the lowest possible emphasis on the Heathy Sport Index scale. Based on this mix, the Healthy Sport Index puts swimming on top, while lacrosse comes in tenth.

Meanwhile, your daredevil daughter can care less about getting hurt, but places the highest possible emphasis on working out hard while playing her sport and developing useful life skills, like setting goals. Healthy Sport Index says: sign her up for tennis! (Cheerleading falls to the bottom here. The ten girls’ sports ranked by the Healthy Sport Index are basketball, cheerleading, cross country, lacrosse, soccer, softball, swimming, tennis, track and field, and volleyball. For the boys it’s baseball, basketball, cross country, football, lacrosse, soccer, swimming, tennis, track and field, and wrestling.)

The Aspen Institute, in consultation with medical experts, compiled data for the index from a variety of sources. The National High School Sports-Related Injury Surveillance Study, produced by the Colorado School of Public Health, provided injury rates for various sports. For the psychosocial component, the Aspen Institute surveyed almost 1,300 high school athletes from across the country, and asked students whether their sport helped them improve in areas like sharing responsibility and patience. Researchers from North Carolina State University observed almost 700 hours of varsity practices to document the physical activity levels of each high school sport. The architects of the index were keen to account for the positive benefits of different sports, to counterbalance the downside risks.

“We talk a lot about injuries in youth sports, for good reason,” says Dr. Neeru Jayanthi, director of sports medicine research at Emory University. “But it’s important to look at all aspects of the athletic experience. If you just focus on one, you’re missing the boat.”

For example, football, which has witnessed participation declines due to well-founded worries about head injuries, ranks second among boys’ sports for psychosocial benefits. (Soccer comes in first.) High school football players reported more improvements in social skills and cognitive skills than athletes in any of the nine other sports. The Aspen Institute’s research was less encouraging for, say, boy’s lacrosse, which ranked ninth in safety, ahead of just football, and tenth in psychosocial benefits. Lacrosse players were most likely to cut class, binge drink, use marijuana and smoke cigarettes. In girls’ sports, basketball provided the most psychosocial upside, whereas cheerleading ranked tenth on both the psychosocial and physical activity scales.

Not that cheerleading or lacrosse or any other sport are at all detrimental, say the creators of the Healthy Sport Index. Every activity can have a positive impact on a kid’s life. “It’s better to be playing a sport,” says Jon Solomon, editorial director for the Aspen’s Sports & Society Program, “than to be sitting on the couch all day doing nothing.”

Sports – TIME

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$500 Billion: Study Finds Parents Spend More on Adult Children than Retirement

Recent study insights reveal a telling tale of the extent of a parent’s love — and maybe even negligence — when it comes to their adult children. According to research, retirement security has taken a backseat for parents who are putting their children’s financial well-being ahead of their own future financial security, and they’re halting their golden-year plans just to make sure their offspring are thriving.

According to the study, “The Financial Journey of Modern Parenting: Joy, Complexity and Sacrifice” which was conducted by Merrill Lynch in partnership with Age Wave, parents today spend $ 500 billion annually on their adult children — ages 18-34 — double the amount they contribute each year to their retirement accounts.

More than 2,500 American parents were surveyed for the study which marks the third in a multi-year research series from Merrill Lynch and Age Wave, a company that studies maturing consumers.

“In this new era of delayed financial independence of young people, financial planning is no longer a solo or coupled activity,” Ken Dychtwald, Ph.D., CEO, and founder of Age Wave said in a news release. “It’s become an ongoing family project with longer and different social, housing and economic interdependencies than we’ve seen before.”

80% of parents say they would be willing to make a major financial sacrifice for adult children, including dipping into their savings or cutting back their lifestyles. 25% would take on debt or pull money from retirement accounts. The research also found 31% of early adults ages 18-34 live with their parents, but even if the child is out of the house, parents are chipping in on school costs, health insurance, rent, and car expenses. 59% expect to help pay for their children’s weddings, 26% expect to contribute to their children’s first homes, and one-third plan to contribute to their grandchildren’s college costs.

Despite the financial sacrifices, 93% of respondents said being a parent was the most rewarding aspect of their lives and 94% said raising their children — and the costs that come with doing so — has been worth “every penny.”

“When emotions and money become intertwined, parents risk making financial decisions that can compromise their — and their children’s — financial futures,” Lisa Margeson, head of retirement client experience and communications at Bank of America Merrill Lynch, said in the release. “Parents can navigate this difficult balance by setting clear boundaries about their level of support, fostering financial independence in adult children, and reconciling spending on children with long-term savings goals to avoid jeopardizing their own financial security.”

 

 

The post $ 500 Billion: Study Finds Parents Spend More on Adult Children than Retirement appeared first on Black Enterprise.

Money | Black Enterprise

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