How to Create a Budget for Your Siding Project

Siding is an integral component of your home. It can drastically change the appearance with texture and color while protecting your home from the elements and making your home more energy efficient. While moving forward on the project and selecting a contractor is exciting, it’s important to find time to look at the numbers and complete the budgeting process for your siding project.

Creating a budget for a home improvement project like siding installation can seem intimidating, but you’re in the right place to find guidance on how to best manage and create a budget for your investment in your home.

Budget for Siding

There are so many siding varieties in today’s market to match every homeowner’s vision and budget. Depending on the material, siding can range in price from $ 4-$ 15 per square foot. Things to consider with your contractor will include the climate in your area, the look you’re trying to create, and the numbers you’re working with. Do your research, but also leverage your contractor’s expertise for which material will be the most cost effective for your home.  

At Modernize, we frequently speak to homeowners about their home improvement projects. Budgeting your project is stressful and we get that: The first step is to be sure you can afford the siding you’re planning to install, based on factors like your cash flow, your assets, and what the return will be on your investment.

That’s where the budget comes in. Put simply, your budget is comprised of some simple math. After consulting with your contractor, here’s what you need to figure out.

How much can you afford?

Calculate your income and your expenses, your needs and your wants, and find the figure of money you could theoretically put aside for this investment in your home. Your experienced contractor is one of your most important initial sources on how to best determine what that investment should look like from outside your personal goals— be sure to consult them, but remember this is your project (and your money).

What Is Your Home Equity?

If and when you decide to finance your own siding installation, your home equity could play a pivotal role in everything from your loan amount to your interest rate. Simply put, your equity is the difference between what you owe on your home or property and the appraised (or market) value determined for it.

The more of your mortgage you’ve already paid, for example, the higher your equity in the given property. And the more equity you hold in your home, the more powerful you are as a borrower, especially when it comes to purchasing power, or the financial ability to buy (or purchase) things.

Begin Your Siding Project Today

What Is Your Credit Rating?

From your credit score to your existing savings, purchasing power, and other ongoing loans, various financial institutions will have slightly different scales by which to determine your eligibility for a home improvement loan. And while some programs are certainly designed to be on your side—like the HomeStyle Energy Program or the Title I Property Improvement Loan—you’re going to be paying back in some way.

One of the most significant markers of your financial health—as determined by financial institutions, anyway—is your credit score. Plainly put, a credit score is “predicts how likely you are to pay back a loan on time,” according to the Consumer Financial Protection Bureau. Companies us proprietary  scoring models to calculate your credit score using information from your credit reports, which essentially break down your “credit activity and current credit situation, such as loan paying history and the status of your credit accounts.”

Knowing your credit rating and how you’ll be considered as a borrower will go a long way in helping you determine how much you can afford as you budget for new siding.

Be Real About Your Siding Needs

Homeowners have shared through surveys that trying to decipher the complex elements of their siding project left them seeking more professional support—which our homeowners found with Modernize.

You likely already have a solid idea of what this project will entail based on what your contractor has shared with you. And while their goals might be completely in your favor and aim to maximize the amount of protection from the elements and insulation the siding brings in, they might not necessarily align with your personal or aesthetic goals. Be sure to communicate your own priorities with your contractor.

 It all comes down to trusting a contractor—and that also means a contractor trusting you. The more upfront you are about what you want to do and your financial limits, the better a contractor will be able to hone in on the best type of budget to build for your siding installation. It might not result in the gingerbread house of your dreams siding job you dreamed of, but it will result in the best value you’ll get for the money you’re able to invest.

Modernize’s content is intended for informational use only. We make no representations to the accuracy, completeness, correctness, suitability, or validity of any information on this site, and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. All information is provided on an as-is basis. It is the reader’s responsibility to verify their own facts. By using our website, you are accepting the practices described in this Privacy Policy. Please review our Terms of Service for more.

The post How to Create a Budget for Your Siding Project appeared first on Modernize.

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How to Create a Budget for Your Windows Project

It’s very exciting that you have a set a course to upgrade or replace your windows, and in doing so will be increasing the value of your home and saving on your utility bills. And while your conversations with your contractor are exciting, it’s important to find time to look at the numbers and complete the process of budgeting your windows project.

Creating a budget for a relatively costly home improvement project like a windows replacement installation can seem intimidating — you’re in the right place to find guidance on how to best manage and create a budget for your investment in your home. There are simple paths you can take to simplify and ease your journey.

Budgeting for Windows

Replacement windows are an investment for homeowners. Replacement windows can cost an average of $ 300 to $ 750 per window, depending on the window type and brand.  Homeowners can find the best budget for their project by negotiating the final contract price and terms with a window contractor they trust. Further, it’s okay to expect the contractor to handle the bulk of the work in reducing costs before your windows upgrade project even begins—after all, one of their value propositions is expertise in the field and local knowledge about getting the most out of local, state, and federal rebates and incentives.

That all amounts to a big leg up.

At Modernize, we frequently speak to homeowners about their home improvement projects. Budgeting your project is stressful and we get that: The first step is to be sure you can afford this system you’re planning to install, based on factors like your cash flow, your assets, and what the return will be on your investment.

Enter the budget.

How Much Can You Afford?

It could also be lucrative to finance your own window replacement.  

Calculate your income and your expenses, your needs and your wants, and find the figure of money you could theoretically put aside for an investment in your home. Your experienced contractor is one of your most important initial sources on how to best determine what that investment should look like from outside your personal goals—be sure to consult them for that piece of the pie but remember this is your project (and your money) so it’s okay to be a little selfish and somewhat frugal to achieve your ends.

Begin Your Window Project Today

What Is Your Home Equity?

If and when you decide to finance your own windows replacement, your home equity could play a pivotal role in everything from your loan amount to your interest rate. Simply put, your equity is the difference between what you owe on your home or property and the appraised (or market) value determined for it.

The more of your mortgage you’ve already paid, for example, the higher your equity in the given property. And the more equity you hold in your home, the more powerful you are as a borrower, especially when it comes to purchasing power, or the financial ability to buy (or purchase) things.

What Is Your Credit Rating?

From your credit score to your existing savings, purchasing power, and other ongoing loans, various financial institutions will have slightly different scales by which to determine your eligibility for a home improvement loan. And while some programs are certainly designed to be on your side—like the HomeStyle Energy Program or the Title I Property Improvement Loan—you’re going to be paying back in some way.

One of the most significant markers of your financial health—as determined by financial institutions, anyway—is your credit score. Plainly put, a credit score “predicts how likely you are to pay back a loan on time,” according to the Consumer Financial Protection Bureau. Companies use proprietary scoring models to calculate your credit score based on information from your credit reports, which essentially break down your “credit activity and current credit situation, such as loan paying history and the status of your credit accounts.”

Knowing your credit rating and how you’ll be considered as a borrower will go a long way in helping you determine how much you can afford as you budget for windows.

Be Real About Your Home Window Needs

When surveying homeowners, we often hear that ahead of a windows-related home improvement project, people are often misinformed about how to determine what they should focus on like window styles, frames, siding, and so on. Not to mention, the windows market is a wide one and includes many common names and brands you might trust for other products — take some time to familiarize yourself with the best window brands out there.

You likely already have a solid idea of what this project will entail based on what your contractor has shared with you. And while their goals might be completely in your favor and aim to maximize the increase in your home value, they might not necessarily align with your personal goals. Be sure to communicate your own priorities with your contractor.

Find Local Window Contractors Today

 

It all comes down to trusting a contractor—and that also means a contractor trusting you. The more upfront you are about what you want to do and your financial limits, the better a contractor will be able to hone in on the best type of budget to build for your windows replacement, upgrade, or initial installation. It might not result in the pie-in-the-sky home improvement or exponential home value you dreamed of, but it will result in the best value you’ll get for the money you’re able to invest.

Modernize’s content is intended for informational use only. We make no representations to the accuracy, completeness, correctness, suitability, or validity of any information on this site, and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. All information is provided on an as-is basis. It is the reader’s responsibility to verify their own facts. By using our website, you are accepting the practices described in this Privacy Policy. Please review our Terms of Service for more.

The post How to Create a Budget for Your Windows Project appeared first on Modernize.

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How to Create a Budget for Your Roofing Project

When you are facing emergency roofing repairs that you did not expect, it’s hard not to worry that your budget for roof replacement is not going to place serious strain on your finances. If you are in this position, the first thing you should know is that you’re not alone: It is estimated that the home remodeling industry in the United States is a $ 99 billion sector. That means a lot of people are remodeling portions of their home at the same time you are.

Creating your budget for roof replacement can help you feel like the project is more manageable and under control. As the scope of the project starts to come into focus after you get the numbers on paper, you can begin taking actionable steps toward replacing your roof and getting your home looking its best.

Here is what to know about starting your budget for roof replacement and how you can find the finances you need to complete repairs.

Making a Budget for Roof Replacement

Budgeting for roof repairs does not have to be confusing. In fact, by following a few simple steps you can get organized and prepared to create a workable budget that keeps you on track throughout your repair process.

Begin Your Roof Replacement Today

Step 1. File a Roofing Insurance Claim

If your roof is damaged and you believe some of the costs could be covered by insurance, it’s important to start an insurance claim as soon as possible. If your insurance will cover the cost of your repairs, your entire budget might only be the deductible. For example, if you have a $ 1,000 deductible and your roof will cost $ 4,500 to repair, you would pay the $ 1,000 and your insurance company would pay $ 3,500.

After you submit a claim the insurance company will likely work with you to find a time when an adjuster can come out to survey the damage.  

Step 2. Compare Quotes From Contractors

In order to make a budget to replace your roof you’re going to need an accurate idea of how much the entire project will cost. That’s why you should meet with several local contractors to have them each give you a quote on estimated repairs. Before moving forward with any contractor you should compare quotes to make sure you’re getting the best deal.

Even though your contractor might provide a general quote that has one line item for the cost of time and one line item for the cost of goods, ask if they can make the quote more specific. It could help your budget to know exactly what materials they’ll be using and if there are any less expensive materials that could do the same job. Getting a more detailed quote from your contractors allows you to do a better comparison. Plus, if the project goes off budget you’ll have a better idea of why.

Once you have several quotes from contractors you can show these to your insurance adjuster, who will also have an idea of how much these repairs typically cost and if your estimates seem accurate.

Step 3. Find Room in Your Household Budget

Here’s the tricky part — finding room to pay for your part of the repairs. If you don’t already have an emergency savings fund set aside you might find it difficult to come up with the finances to afford your repairs.

Here are some options if you’re trying to find the money to fix your roof:

  • Review your household spending: Are there any areas where you can slim down your spending so that you can reallocate the money toward your roofing project? Remember, this likely won’t be a permanent change in your finances, but a temporary adjustment while you’re finishing your roofing project.
  • Look for housing grants. Some states have programs for low-income homeowners that loan or grant money to help pay for necessary repairs. You can start researching what’s available in your state at the Housing and Urban Development website. The U.S. government also has a program for low-income rural homeowners to help pay for repairs. You can check online to see if you meet the eligibility requirements for this federal program. The federal government also provides some tax incentives for some home improvements that you can review on their website.
  • Consider a home repair loan. If you’re still strapped for cash and are having a hard time making room in your budget for a roofing project, consider applying for a personal loan to cover some of the costs. You can compare lenders online to make sure you’re getting the best deal. Lenders will review your credit history and current work situation to determine your creditworthiness. As you’re shopping, compare APRs and terms to make sure that the loans you’ve been offered are the right fit for you. Remember, if you extend the term of the loan you might have lower monthly payments but end up paying more in interest over its lifetime. Nonetheless, your main priority should be to find a loan with monthly payments that you can keep up to.
  • Look at 0 Percent APR credit cards. Some credit cards will have an introductory rate of 0 percent APR. What this means is that if you pay the entire credit card off before the introductory period ends, you won’t owe any interest on the money. If you don’t have the cash to pay for your roofing project now but you believe you can acquire it before the APR on the credit card changes, this could be a savvy way to finance your roofing project. Remember, depending on your credit you might not qualify for the lowest introductory rate advertised, so make sure you check to see the official APR you’ve qualified for before you open the card. Also, be careful to pay the credit card off before the introductory rate changes otherwise you might owe a lot of interest as the new rate could be significantly higher.  

Step 4. Create an Emergency Fund for Next Time

After you’ve created your budget for your current repairs, don’t stop there. Now that you have an idea of how to create a home repair budget, do yourself a favor and start saving for the next time. As a homeowner, you know that there’s always maintenance and repair work that needs to be done. If you’ve had difficulty saving for an emergency fund in the past, this time consider some new strategies that could help you. Have you tried a budgeting app? Apps like Mint or GoodBudget can help you track your spending and give you notifications to encourage you along the way toward your savings goal so that you’ll be able to handle any home repair emergencies in the future.

Modernize’s content is intended for informational use only. We make no representations to the accuracy, completeness, correctness, suitability, or validity of any information on this site, and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. All information is provided on an as-is basis. It is the reader’s responsibility to verify their own facts. By using our website, you are accepting the practices described in this Privacy Policy. Please review our Terms of Service for more.

The post How to Create a Budget for Your Roofing Project appeared first on Modernize.

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How to Create a Budget for Your Solar Project

It’s very exciting that you have a set a course to install solar panels and in doing so will be increasing the value of your home and saving on your utility bills. And while your conversations with your contractor are exciting, it’s important to find time to look at the numbers and complete the process of budgeting your solar project.

Creating a budget for a relatively costly home improvement project like solar panel installation can seem intimidating — you’re in the right place to find guidance on how to best manage and create a budget for your investment in your home. There are simple paths you can take to simplify and ease your journey.

Budgeting for Solar Panels

Most importantly, remember the ball is in your court. The cost of solar installation has dropped more than 70 percent since 2010, according to data from Solar Energy Industries Association. In response, therefore, contractors have stepped up their game to compete in an increasingly saturated arena. Further, it’s okay to expect the contractor to handle the bulk of the work in reducing costs before your solar installation project even begins—after all, one of their value propositions is expertise in the field and local knowledge about getting the most out of local, state, and federal rebates and incentives.

That all amounts to a big leg up.

At Modernize, we frequently speak to homeowners about their home improvement projects. Budgeting your project is stressful and we get that: The first step is to be sure you can afford this system you’re planning to install, based on factors like your cash flow, your assets, and what the return will be on your investment.

Enter the budget. 

Starting Saving With Solar

Calculating What You Can Afford

Some solar panel system installation projects could cost nothing at all. You could increase your home value with solar without buying a solar panel system at all. But considering the many financial incentives offered by local, regional, and federal agencies, it could also be lucrative to finance your own solar paneling system.  

Calculate your income and your expenses, your needs and your wants, and find the figure of money you could theoretically put aside for an investment in your home. Your experienced contractor is one of your most important initial sources on how to best determine what that investment should look like from outside your personal goals—be sure to consult them for that piece of the pie but remember this is your project (and your money) so it’s okay to be a little selfish and somewhat frugal to achieve your ends.

What Is Your Home Equity?

If and when you decide to finance your own solar paneling, your home equity could play a pivotal role in everything from your loan amount to your interest rate. Simply put, your equity is the difference between what you owe on your home or property and the appraised (or market) value determined for it.

The more of your mortgage you’ve already paid, for example, the higher your equity in the given property. And the more equity you hold in your home, the more powerful you are as a borrower, especially when it comes to purchasing power, or the financial ability to buy (or purchase) things.

What Is Your Credit Rating?

From your credit score to your existing savings, purchasing power, and other ongoing loans, various financial institutions will have slightly different scales by which to determine your eligibility for a home improvement loan. And while some programs are certainly designed to be on your side—like the HomeStyle Energy Program or the Title I Property Improvement Loan—you’re going to be paying back in some way.

One of the most significant markers of your financial health—as determined by financial institutions, anyway—is your credit score. Plainly put, a credit score is “predicts how likely you are to pay back a loan on time,” according to the Consumer Financial Protection Bureau. Companies us proprietary  scoring models to calculate your credit score using information from your credit reports, which essentially break down your “credit activity and current credit situation, such as loan paying history and the status of your credit accounts.”

Knowing your credit rating and how you’ll be considered as a borrower will go a long way in helping you determine how much you can afford as you budget for solar panels.

Find Solar Installers Near You

Be Real About Your Solar Panel Needs

When surveying homeowners, we often hear that ahead of a solar power home improvement project, people are often misinformed about how to determine the right amount of solar panels for their home.

You likely already have a solid idea of what this project will entail based on what your contractor has shared with you. And while their goals might be completely in your favor and aim to maximize the amount of solar power you could bring in, they might not necessarily align with your personal goals. Be sure to communicate your own priorities with your contractor.

It all comes down to trusting a contractor—and that also means a contractor trusting you. The more upfront you are about what you want to do and your financial limits, the better a contractor will be able to hone in on the best type of budget to build for your solar panel installation. It might not result in the pie-in-the-sky solar panel home improvement you dreamed of, but it will result in the best value you’ll get for the money you’re able to invest.

Modernize’s content is intended for informational use only. We make no representations to the accuracy, completeness, correctness, suitability, or validity of any information on this site, and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. All information is provided on an as-is basis. It is the reader’s responsibility to verify their own facts. By using our website, you are accepting the practices described in this Privacy Policy. Please review our Terms of Service for more.

The post How to Create a Budget for Your Solar Project appeared first on Modernize.

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NASA chooses technology firm Maxar for lunar platform project

NASA has picked space technology company Maxar Technologies Inc as the first contractor to help build its Gateway platform in lunar orbit, a crucial outpost for America’s mission to relay astronauts to the moon in 2024, the U.S. agency said on Thursday.


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The House Intelligence Committee on Monday released a transcript of roughly 15 hours of closed-door testimony from President Donald Trump’s former lawyer Michael Cohen.


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The Modernize Glossary of Terms: Financing a Home Improvement Project

Welcome to the Modernize glossary of terms for anyone in the process of, or considering a home improvement project. It’s always advisable to discuss and check with your local contractor how various financing options and programs might affect your project but our guide is here to help familiarize you with some common terms you might encounter along the way. Bookmark this page and advise it whenever you are considering the next step of your project or signing paperwork that will inevitably include some of the terms below.

Modernize regularly updates this list so check back for new information.

Amortization

This term applies to the different allocation of loan repayment, wherein a portion of each mortgage payment, for example, pays partially for the comprehensive loan balance and partially pays for the accrued interest.

Annual Percentage Rate (APR)

When homeowners (or anyone, for that matters) finances a home improvement project (or anything, for that matter), the interest rate on their loan can be viewed in a yearly way, otherwise known as the annual percentage rate. A loan’s APR is a good measure by which to determine the cost of that loan over any given year but also over its entire lifetime. Homeowners can, therefore, calculate what it will mean to their budget to take out any given loan.

Cash-Out Refinance

Put simply, this type of refinancing replaces an existing mortgage with one worth more and the difference is immediately paid out in cash to the homeowner refinancing. Of course, then the homeowner owes than they did to begin with and carry the associated risks of increased debt. This type of refinancing requires built-up equity in a home before it can be used.

The Consumer Financial Protection Bureau

In its own language, the CFPB is a US government agency designed to “makes sure banks, lenders, and other financial companies treat you fairly.” From answering people’s questions about personal finance to acting as a repository for complaints about unsavory practices, the CFPB is a great resource for any homeowner considering financing anything, but especially when it comes to large-scale investments in long-term projects like home improvement. The agency was erected as a result of the passing of the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Learn more at consumerfinance.gov.

Closing Costs

Commonly known as settlement costs, these refer to the cost of securing a mortgage — closing the deal. According to finance site lendingtree.com, common items include

  • Title insurance
  • Escrow fees
  • Lender charges
  • Real estate commissions
  • Transfer taxes
  • Recording fees

Dodd-Frank Wall Street Reform and Consumer Protection Act

Commonly known as Dodd-Frank, this 2010 law is named after its original sponsors, Senator Christopher Dodd and US Representative Barney Frank. Largely aimed at banks, the law serves to protect consumers from predatory lending and financing programs. One result of the law was the creation of the Consumer Financial Protection Bureau.

ENERGY STAR Program

This volunteer-based resource from the Environmental Protection Agency is designed to help homeowners save money on home improvement projects, as well as other endeavors, that aid in protecting the climate.

Learn more at energystar.gov.

Escrow

When money is being handed off between two parties like a contractor and a homeowner, for example, or a buyer or seller, escrow is often utilized. It is a third party that is not part of the transaction and who is, therefore, able to hold on to security funds until the process of the transaction is complete.

Equity

Simply put, this is the calculated difference between what a homeowner owes on their home or property and the appraised (or market) value determined for it. The more of a loan a homeowner pays, the higher that homeowner’s equity in the given property.

Home Energy Renovation Opportunity (HERO) Program

Part of the Property Assessed Clean Energy (PACE) Model, the HERO Program provides financing for energy-efficient, water-efficient, and renewable energy products in California and Missouri. Local municipal governments collect annual property taxes to pay for the loan program.

Home Energy Score

This Department of Energy-developed program helps homeowners seeking to improve their property’s or home’s energy costs or efficiencies with “directly comparable and credible information about a home’s energy use.” In other words, the program can help a homeowner compare apples-to-apples the worthiness of a product or service as it regards that homeowner’s energy use.

Learn more at betterbuildingssolutioncenter.energy.gov

Home Equity Line of Credit

A home equity line of credit, otherwise known as a HELOC, allows homeowners to borrow money against their home’s equity. HELOCs are generally flexible but limited by a home’s value, and they also carry the risk of foreclosure.

Home Equity Loan

In contrast to a home equity line of credit (or a HELOC), this loan allows a homeowner to borrow money against the value of a home over the amount of any or all mortgages levied against the property. Since the home itself is the security for the loan, it can result in large amounts of borrowed assets. For all intents and purposes, a home equity loan is a kind of second mortgage.

HomeStyle Energy Program

This program from loan provider Fannie Mae lets borrowers get loans valued at up to 15% of their home’s appraised value to finance “energy-efficient upgrades when purchasing or refinancing a home,” according to the Department of Energy.

Property Assessed Clean Energy (PACE) Model

PACE programs are mechanisms by which private property owners (or homeowners) can more easily finance energy-efficient and renewable energy improvements on their property and using private sources of income. Local municipal governments collect annual property taxes to pay for the loan program.

Private Mortgage Insurance

Commonly known as PMI, this insurance protects a lender against a possible default by a borrower. Borrowers in many cases are forced to pay for PMI when a lender deems the given loan as risky enough to merit it.

Preapproval Or Pre-Qualification

Given basic information about a homeowner, for example, a lender might determine that person to be appropriate for a loan. No actual paperwork or fact-checking has been done but a bank, as an example of a lender, is tentatively interested in lending that homeowner money.

Residential Property Assessed Clean Energy (R-PACE) Model

As distinguished from the commercial PACE programs, these are designed specifically for residential homeowners, yielding different allowances and results.

Residential Renewable Energy Tax Credit

This financial assistance in the form of tax credit applies to up to 30 percent of a renewable energy installation, a solar paneling system, for example. It is important to note that this federal credit is for systems placed in service by Dec. 31, 2019.

Title I Property Improvement Loans

The federal government’s Department of Housing and Urban Development (HUD) helps insure private lenders against losses they might incur from loans they provide for property improvement. This insurance applies to “both large and small improvements,” according to HUD.

Learn more at hud.gov/program_offices/housing/sfh/title/ti_about.

The post The Modernize Glossary of Terms: Financing a Home Improvement Project appeared first on Modernize.

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‘Project Runway’ host Tim Gunn backs City Council fur ban

A prominent fashionista and television personality will testify in support of a fur ban proposed by City Council Speaker Corey Johnson, The Post has learned. Tim Gunn, who hosted the hit reality TV show “Project Runway” for 16 years, will throw his weight behind Johnson’s anti-fur bill at a City Hall hearing on Wednesday. Gunn…
Fashion News, Photos, and Video | New York Post

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Online project management training that can help boost your career

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The reality show Shark Tank doesn’t paint a complete picture of all of the intricacies of running a business but it does give you an idea of what project managers do in real life.

Appointed PMs are in charge of overseeing the entire production cycle, and it’s their neck that’s usually on the line if something goes haywire. They’re also often the first people to get the boot since they fail to propel their teams to success.

The sheer amount of responsibility put on the shoulders of project managers is what makes them in-demand in the real world. Companies pay top dollar to professionals who are adept at producing deliverables accurately, on time, and within the budget. Read more…

More about Business, Project Management, Online Learning, Mashable Shopping, and Shopping Stackcommerce


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This cheap project management software can make freelancing easier

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Freelancing can be great — all that freedom to be your own boss, plus you can work in your underwear. But there’s another side to freelancing that isn’t as fun: the side that includes project management, time tracking, invoicing, proposal writing, and lead generation.

Plutio is an app that takes the headache out of your hustle. Designed with freelancers in mind, it’s an all-in-one tool that caters to your every need, so you can free up time to do actual work.

Garnering over 1,700 upvotes on Product Hunt and named one of the “Top Ten Essential Tools For All Freelancers And Micro Businesses” by Forbes, Plutio offers a helping hand in almost every aspect of your workflow. It lets you send invoices in a snap and track when they are opened, and gets you paid swiftly with a variety of payment methods including PayPal and Stripe. The tracking tool allows you to better account for your time, and the task management feature lets you organize your to-do list in a way that will help you stay focused. Read more…

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Tribeca Film Review: ‘Recorder: The Marion Stokes Project’

VHS tapes now have a weird sort of stodgy magical aura. Long ago, they were standard. With the arrival of DVD, they were behind the curve. Then they were totally outdated and unworkable (at a certain point, who besides Quentin Tarantino still had an operational VCR?). But now they’re so old they’re like mystic electromagnetic […]

Variety

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‘I’ve been battling Nadler for years’: Feud between Trump, Democrat rooted in decades-old New York real estate project

In the 1980s, Trump envisioned a major development on Manhattan’s West Side with a 150-story skyscraper. Nadler, then a state assemblyman, fought it. 
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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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Series Mania: First Details on Co-Pro Pitching Project ‘Capturing Big Mouth’ (EXCLUSIVE)

LILLE, France — Belgian production company De Mensen, which has just been acquired by France’s Newen, has teamed with Reel One Entertainment on a new cross-continental thriller series, “Capturing Big Mouth. The series will be pitched Monday at this year’s Series Mania Forum Co-pro Pitching section. It chronicles the unlikely rise and eventual fall of […]

Variety

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Trump’s budget will project 3% GDP growth over the next few years – defying consensus forecasts

The forecasts will show GDP reaching 3.2 percent this year compared to last year and 3.1 percent in 2020, according to a copy of the projections obtained by CNBC. Growth will then level off at 3 percent through 2024, according to the projections.
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Hyundai Motor in talks with investors to develop headquarters project

Hyundai Motor Co is in talks with potential investors to develop its new headquarters planned for the South Korean capital of Seoul to share additional investment costs worth about 3.7 trillion won ($ 3.27 billion), it said on Sunday.


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artrepublic support an art project for the homeless, Justlife Brighton

We’re sponsoring a studio to help boost the wellbeing of homeless people.

artrepublic are delighted to announce our project with Justlife in Brighton. Justlife are an organisation that focuses on Health Engagement with the homeless people of Brighton and Hove. Their primary objective is to improve the access the homeless have to primary care. After that, they aim to improve and maintain their good health in order to improve their chances of moving on from homelessness. They offer preventative care to those in unsupported temporary accommodation, to ensure that they don’t fall into homelessness. Alongside this, they provide progressive care to those currently suffering from homelessness. Needless to say, their work is invaluable and life-saving, and artrepublic are humbled to be able to help.

artrepublic Sponsors Justlife Brighton

One of the distinguishing aspects of the work that Justlife do in Brighton is address the social aspect of homelessness. Often homeless people do not have the opportunity to socialise and build networks of support outside of their experiences on the streets. Due to this, they often are alone or in communities that do not hold their best interests at heart. artrepublic have offered to sponsor a studio for the people affected by homelessness to spend time painting and expressing themselves artistically. It is important that people that have been homeless are rehabilitated physically but also mentally and emotionally. artrepublic hopes that the safe space offered to be creative will help increase the wellbeing of the vulnerable people in Brighton. To be able to creatively express yourself is often a privilege not extended to the homeless, but it is essential to build an identity that isn’t defined by a current situation. Defining oneself as a person outside of homelessness will build confidence and hope, which is essential to build a life away from it.

artrepublic Spnsors Justlife Brighton

Alongside improving mental and emotional wellbeing of the people impacted by homelessness, artrepublic hopes that time spent in the studio can help build networks of professional support, improve skills and prospects of finding employment. Last year the Justlife Creative Studio won Best Newcomer at the Artists Open Houses Awards. The open house showcased work from the artists who have experienced homelessness, was a huge success. Building connections with the most vulnerable and creating a sense of community within them is critical in reintegrating them into society. Following from Justlife’s success last year, artrepublic are proud to sponsor the studio of the open house, and provide all of the art supplies. artrepublic are proud to be part of an incredible cause and to help enable the creative expression and rehabilitation of some of the most vulnerable people in our society.

Please support the work of Justlife Brighton and visit the open house when it is open.

 

For more news stories and events visit our Brighton Gallery page

The post artrepublic support an art project for the homeless, Justlife Brighton appeared first on artrepublic blog.

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Rev. Jesse Jackson and Black Leaders Discuss The Wealth Gap at the Wall Street Project Economic Summit

The Rainbow PUSH Coalition and Citizenship Education Fund’s 22nd Annual Wall Street Project Economic Summit kicked off with a bang on Wednesday, with moving speeches and remarks from a host of dynamic leaders. Rev. Jesse Jackson Sr., the founder of the Rainbow PUSH Wall Street Project, opened the three-day conference by addressing this year’s conference theme, “400 Years Later: Closing the Wealth Gap, Expanding Opportunity.” Although slavery was abolished 150 years ago, a stark disparity in wealth between black and white households continues to persist.

“African Americans have journeyed through four stages of a 400-year struggle,” said the civil rights leader. “Stage one – ending slavery after 246 years in bondage; Stage two – ending the Jim Crow era with its mass lynchings and terror campaigns; Stage three – securing the right to vote; and currently, Stage four – securing access to capital, industry, technology and deal flow in the U.S. economy.”

Closing The Gap

Day one of the summit commenced with the “400 Year Journey Roundtable” discussion, where Jackson was joined by Dr. Johnnetta Betsch Coles, Ph.D., the president of the National Council of Negro Women, and Dr. Ron Daniels, Ph.D., the president of the Institute of the Black World 21st Century, for a conversation on the progress of black Americans since Africans were first brought to the country as slaves.

racial wealth gap

Eugene Mitchell, Marc Morial, and Rev. Jesse Jackson (Photo credit: Gerald Peart)

After that session, Marc H. Morial, the president and CEO of the National Urban League, opened the “Wealth Gap Panel” with a brief history lesson on the origins of the wealth gap, which is rooted in U.S. laws and policies that created systemic barriers that prevented people of color from accumulating wealth. Morial went on to address the controversy around the #ADOS movement, a fringe group that stands for American Descendants of Slaves and advocates for reparations and reform policies that solely benefit African Americans. Some critics reportedly believe that Russian trolls have infiltrated the group and are using their philosophy to cause division among black voters.

“The internet is being used as a tool of manipulation,” Morial cautioned. “Our ability to impact the racial wealth gap depends on our ability to exercise and maximize our political power. We need to maximize our political power if we are going to address the racial gap.”

Wall Street Project Economic Summit

Alfred Edmond, Jr., SVP, Executive Editor-At-Large at Black Enterprise (Photo credit: Gerald Peart)

Morial’s comments were followed by a panel discussion between BLACK ENTERPRISE’s SVP/ Executive Editor-at-Large Alfred A. Edmond Jr. and Eugene Mitchell, the founder of the E. Mitchell Consulting Group and the author of The 7 Untold Rules for Creating Black Wealth: Let’s Come Together and Close the Wealth Gap!, moderated by Janice L. Mathis, the executive director of the National Council of Negro Women. Each panelist discussed tangible solutions to close the gap.

“Spend less than you make—whatever you make—and bank the difference,” said Edmond. “We must get into a situation where we are incrementally and steadily accumulating assets in the form of savings. And right now, when we make more money, we spend more money.”

Edmond, the host of the “Your Money, Your Life” personal finance podcast, also stressed the importance of using debt with the purpose of driving wealth. “We need to create wealth out of any career. Your net worth is what you own minus what you owe. Debt is only good if you are going to take that resource to make more money.”

Mitchell, a former corporate vice president at New York Life Insurance Co., discussed the importance of life insurance and estate planning as vehicles to create generational wealth in the black community. “We’re not doing what it takes to create wealth, to keep wealth, and to sustain wealth in the way of having proper estate planning,” he said.

Mathis also emphasized the intersection between political power and economic strength in the black community. “If we’re going to defeat these wealth gaps, we will do it by using the power of our votes because these systems are entrenched like barnacles onto capitalism that needs to be moderated by democratic principles and ideals.”

Other notable speakers scheduled to appear at the conference include Rep. Maxine Waters, Susan L. Taylor, Rev. Al Sharpton, hip-hop mogul Percy “Master P” Miller, and John W. Rogers Jr., CEO of Ariel Investments.

The post Rev. Jesse Jackson and Black Leaders Discuss The Wealth Gap at the Wall Street Project Economic Summit appeared first on Black Enterprise.

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Google is building a solar power project above fishing ponds in Taiwan, its first in Asia

Google is the biggest corporate buyer of renewable energy in the world, and now the technology giant is building its first solar power project in Asia, directly above fishing ponds in Taiwan.
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Calling all wannabe project managers: Learn Lean and Six Sigma with this online training

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Without a coach to call, direct, and execute plays, a football team is just a bunch of beefy dudes running chaotically after a leather spheroid. 

In a similar vein, corporate teams can struggle to achieve desired outcomes if they lack the planning, organization, and oversight of a skilled project manager. Such professionals are the oil that keeps a company’s engine running smoothly; they’re the reason why shit gets done, and done efficiently.

Lean and Six Sigma are a pair of methodologies that contributes to a project manager’s valuable ability to effectively lead a team — and they can both be learned via online courses. Read more…

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Xbox’s Phil Spencer on ‘Crackdown 3,’ E3 2019, And Project xCloud

Xbox boss Phil Spencer recently sat down with Larry “Major Nelson” Hryb, Xbox Live’s director of programming, to discuss the anticipated action game “Crackdown 3,” Project xCloud, this year’s E3, and more. “Crackdown 3” is expected to launch in February and stars actor Terry Crews, who Spencer called “an awesome choice.” “And it kinda fits […]

Variety

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SAP Unveils Blockchain Project To Help Eliminate Counterfeit Drugs

erman software giant SAP SE announced the launch of its blockchain-based supply chain tracking system that helps eliminate counterfeit drugs along the pharmaceutical supply chain. In a statement, the company noted that its blockchain-based solution helps customers comply with the U.S. Drug Supply Chain Security Act or DSCSA.
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BuzzFeed: Sources say Trump directed his attorney to lie to Congress about proposed Moscow project

President Donald Trump personally directed his longtime attorney Michael Cohen to lie to Congress about the Moscow Trump Tower project, two federal law enforcement officials involved in an investigation of the matter told BuzzFeed.


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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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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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Rudy Giuliani Offers Yet Another Timeline For Michael Cohen’s Work On Trump Tower Project

Carlo Allegri/Reuters

Rudy Giuliani appeared to slightly shift the timeline on Sunday about how long discussions went on in 2016 about a potential Trump Tower project in Moscow.

In two separate interviews, he was bombarded with questions about the various legal predicaments in which President Trump finds himself and at times seemed to muddy the waters as he again worked to downplay any possible jeopardy for his client.

In an interview with George Stephanopoulos of ABC’s “This Week,” Giuliani was asked about Michael Cohen, a previous lawyer and personal fixer for Trump, saying in a prior interview that the then-candidate wanted him to silence women alleging personal affairs with Trump in order to win the presidential election.

Read more at The Daily Beast.

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

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Michael Cohen, Trump’s former lawyer, pleads guilty to lying to Congress about Moscow project

Cohen admited to concealing efforts during the 2016 campaign to negotiate the building of a Trump-branded tower in the Russian capital.
Politics

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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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Alphabet unit halts glucose-detecting contact lens project

Alphabet Inc’s life sciences division Verily said on Friday that it was putting on hold one of its oldest and highest-profile projects, a smart contact lens designed to help monitor sugar levels.


Reuters: Technology News

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Alphabet stops its project to create a glucose-measuring contact lens for diabetes patients

Verily, Alphabet's life sciences unit, found it more challenging than expected to measure glucose levels in tears. Especially once it started testing its device outside of the lab.
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THUNDERBOLT PROJECT BY FRGMT & POKÉMON Announces The Conveni Pop-Up Dates

Following up an initial announcement post, Hiroshi Fujiwara‘s THUNDERBOLT PROJECT BY FRGMT & POKÉMON has now unveiled dates for its upcoming pop-up at The Conveni.

The pop-up at the Ginza Sony Park‘s special retail experience is set to include items which debuted at HYPEFEST, along with new items and kids sizes that will be featured for the first time ever. Some new pieces include a Shadow Pikachu hoodie, fragment design POKÉMON font caps and THUNDERBOLT PROJECT retaW fragrance tags. The first Japan pop-up for THUNDERBOLT PROJECT BY FRGMT & POKÉMON will follow the same raffle entry system used at The Conveni normally.

Check out some of the new items and get more details regarding the pop-up  which runs from November 24-December 2 below.

In case you missed it, the latest Pokémon: Let’s Go! trailer showcases Red, Green, and Leaf.

 

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“THUNDERBOLT PROJECT” is teaming up with @theconveni and hosting our first Japan pop-up store @ginzasonypark for a limited time only, Sat Nov 24 – Sun Dec 2, 2018. The items from @hypefest , first ever kids size and many exclusive Ginza items will be available for purchase. Date: Sat Nov 24 – Sun Dec 2, 2018 Hour: 10:00AM-8:00PM Location: Ginza Sony Park @ginzasonypark , B1F [Entrance] Depending on the date, we may limit visitors by conducting raffles in advance. *Follow us here and @theconveni for our latest news on limited items, advanced opening access, exclusive offers and more. *”Pokémon GO” has no involvement in this event.  「THUNDERBOLT PROJECT」は「THE CONVENI @theconveni 」とタッグを組み、2018年11月24日(土)~12月2日(日)の期間限定で、国内初となるPOP UP STOREをGinza Sony Park @ginzasonypark で開催します。HYPEFEST @hypefest で販売された商品はもちろん、初のキッズサイズの展開含め、GINZA限定アイテムも多数登場します。 開催期間:2018年11月24日(土)~12月2日(日) 営業時間:10:00~20:00  場所:Ginza Sony Park B1(地下1階) @ginzasonypark 【入場について】 日程によって、事前抽選を行う場合があります。 ※事前抽選のご案内、限定アイテムのラインナップなど、今後は本アカウントと @theconveni にて最新情報をお知らせします。 ※本イベントはアプリ『Pokémon GO』との関連はございません。 #thunderbolt_project #tb_project #hiroshifujiwara #藤原ヒロシ #pokemon #ポケモン #theconveni #theconveniginzasonypark #ginzasonypark #銀座ソニーパーク #popupshop #popupstore #ginza

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Charlamagne Tha God and Bakari Sellers Team Up For New Film Project [VIDEO]

As political tension and anxiety around the upcoming midterm elections continue to rise, political analyst Bakari Sellers is speaking out about what it means to be a young, black Democrat in the South.

Back in 2006, Sellers became the youngest African American elected to public office at age 22 when he ran for the South Carolina state House and defeated a 26-year incumbent. After eight years in office, he then ran for Lieutenant Governor of South Carolina in 2014 and lost. Had he won, he would have made history for the second time as the first African American official to hold a statewide office in South Carolina in over a century. Nonetheless, since losing that election, his vigor and passion to impact change through politics and social justice reform has only grown.

Today, at 34 years old, Sellers frequents CNN as a political commentator and speaks at forums across the country. The Morehouse grad also released a new documentary titled While I Breathe, I Hope that chronicles his losing bid for lieutenant governor. The film also shows his response to two pivotal events that occurred in his home state in 2015: The Charleston Shooting and the removal of the Confederate flag from the State House grounds. “One of my good friends, Clementa Pinckney, was killed in a church with eight other parishioners during Bible study by Dylan Roof,” Sellers told Black Enterprise, recalling the murder of the late state senator and pastor in the racially-motivated massacre.

Sellers recently stopped by Black Enterprise with fellow South Carolina native Charlamagne Tha God, co-host of the nationally syndicated radio show The Breakfast Club and an executive producer of the film. “I’m about all things South Carolina and I believe in Bakari,” Charlamagne said. “I feel like Bakari could be president of the United States of America one day.” According to Charlamagne, Donald Trump has set the stage for a person of color to win the White House. “They’re not going back to all white men after this one,” said the author of Shook One: Anxiety Playing Tricks On Me.

Sellers says he wants young people to see the film and feel inspired to run for office, themselves. “It’s unfiltered. It catches me at my highs and my lows,” he said.

While I Breathe, I Hope made its world premiere at the New Orleans Film Festival on Oct. 19. It will be screened at the DOC NYC film festival in New York on Nov. 11 as well as in other film festivals.

Watch Black Enterprise’s interview with Charlamagne Tha God and Bakari Sellers below.

The post Charlamagne Tha God and Bakari Sellers Team Up For New Film Project [VIDEO] appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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Starz Signs 50 Cent To Multiyear Project Deal

Power, Season 5, Episode 505

Source: Starz / Starz

Even after all the drama and public bickering between 50 Cent and Starz, it seems like business will always outweigh personal conflicts.

Yesterday Starz announced that they had signed Curtis “50 Cent” Jackson to a new multi-year deal that will allow Fif to continue to will continue to develop new scripted and unscripted projects exclusively for the network through his G-Unit Film & Television, Inc. Not bad for someone who constantly takes his employers to task on social media.

But regardless of how crazy things got in the past, the cable network couldn’t deny the results that 50 got them and rewarded him with a extension. Both 50 and Starz CEO/President Chris Albrecht knew that at the end of the day they needed each other.

“When I sat down with Chris and walked him through my plans for G-Unit Film & Television going forward, he let me know I was essentially requesting the biggest deal in premium cable history.  I am excited to announce that we’ve made that partnership between myself, G-Unit Film & Television and Starz/Lionsgate and we will continue our proven track record of breaking records and delivering unique content for audiences around the world…..Get The Strap,” said Curtis “50 Cent” Jackson.

Starz CEO & President Chris Albrecht added, “Both on screen and off, Curtis has proven that he can deliver content that our viewers want to watch. He is the real deal, and we have given him a real deal, with what I believe to be among the most significant deals to date for an Executive Producer in premium television. We’re pleased to expand our relationship and consider this the beginning of many new and exciting ventures to come.”

Now that 50’s officially done acting on Power thanks to the death of his character, Kenan, he’ll have more time on his hands to come up with other crime drama series and possibly act in them as well. But that doesn’t mean he’s completely done with the smash Starz series as the new deal guarantees that he’ll still have a hand in executive producing the series and will make his directorial debut in season six. It also guarantees that the G-Unit general will serve as an executive producer on any future seasons of the series as well as any extensions of the “Power” universe on the big or small screen.

While many questioned 50’s antics and actions over the years when dealing with Starz with many fearing he’d get fired from the network, the end result seems to demonstrate that he actually knew what he was doing. Go figure.

Photo: Starz

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