Printemps Puts Spotlight on Upcycling Initiatives

SECOND LIFE: Printemps is on the lookout for used clothing.
The Paris department store is launching a sustainability-focused event named “(Re)Créez, (Ré)Inventez” (“Re-create, Reinvent”), putting the spotlight on upcycling, marking the latest retail initiative aimed at tapping into consumer interest in environmental and ethical issues.
From April 4 to May 12, customers will be able to bring used garments into all Printemps stores to be donated to the French Red Cross. The clothing will either be distributed to people in need or resold in Red Cross charity stores.
The department store has also chosen to showcase creative ways of disposing of used garments. In addition to welcoming secondhand clothing boutique Tilt Vintage, Printemps has tapped Maroussia Rebecq, who designs under her brand Andrea Crews, to create a 20-piece capsule of upcycled clothing in partnership with local charity Tissons la Solidarité.
Using leftover clothing from Printemps’ stock, the designer worked in collaboration with 70 socially responsible workshops specializing in textiles. They help 1,900 workers return to the professional world each year, 83 percent of which are women.
For the event’s duration, the windows of the Printemps Haussmann store in Paris will be taken over by five artists celebrating material reuse.
Each participant has based their chosen artwork

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Single Indian rocket puts satellites in three orbits, in first for nation

An Indian rocket on Monday placed domestic and foreign satellites in three different orbits on a single flight, a first for the nation and a low-cost option that could burnish its reputation for pioneering affordable options in space.


Reuters: Science News

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Isa Arfen Puts Collection on Hold for Fall 2019

LONDON — Designer Serafina Sama has decided to hit the pause button on her Isa Arfen brand for fall 2019 in order to rethink its direction. Sama, who founded the brand seven years ago, will not be presenting a fall 2019 collection, either to buyers or to press.
“I am not shuttering the business, but rather taking a hiatus to refocus and review what the next phase should be for the brand that I have nurtured and grown over the past seven years,” Sama said in an interview, adding that the shifting landscape of the industry and its increasingly rapid pace were main reasons behind her decision.
“As a brand, we are always under pressure to produce more collections for an audience with a very short attention span,” said Arfen, adding that she wants to take time to “review, refocus and reenergize,” in order to ensure the brand is less wasteful. “I want to look at ways of producing more responsibly. At the end of each season, there are so many samples, canceled styles, leftover fabrics — all this stuff that nobody needs.”
Exploring the direct-to-consumer route further or producing more focused collections with smaller drops or limited runs are among the strategies

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‘Enjoy your life’: Trump puts new attorney general in an awkward position from the start

William P. Barr’s first days on the job have been marked by a wave of Trump attacks on the Justice Department or the officials who came before him.
Politics

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How a personality trait puts you at risk for cybercrime

Impulse online shopping, downloading music and compulsive email use are all signs of a certain personality trait that make you a target for malware attacks. New research examines the behaviors — both obvious and subtle — that lead someone to fall victim to cybercrime involving Trojans, viruses, and malware.
Consumer Behavior News — ScienceDaily

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Broadway’s ‘To Kill a Mockingbird’ puts new spin on racial injustice

Almost 60 years after it was first published as a book, “To Kill a Mockingbird” opens this week in a first Broadway theater adaptation whose themes of racial injustice are just as relevant today.


Reuters: Arts

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Huawei executive’s arrest puts more pressure on Trump and Xi as they grapple over the global order

While the arrest of Meng Wanzhou did not stem directly from trade talks, it made them more complicated and sensitive. It also served as a stark reminder of the deep frustrations that underpin Washington's relationship with Beijing.
Asia-Pacific News

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Aaron Puts His Foot in His Mouth During a Group Date | Ready to Love | Oprah Winfrey Network

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

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

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

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

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

Why the 60-20-20 Budget?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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Ballot mixup puts more heat on Broward elections official as key Florida races remain unresolved

Broward County Supervisor of Elections Brenda Snipes mixed invalid ballots with about 200 valid ones, a latest example of incompetency as Republicans pounce the official amid controversial Florida recount.
FOX News

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SPECIAL DONATION REQUEST UPDATE:

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The Hysterical Comedian Whose Kavanaugh Parody Puts Matt Damon to Shame

Photo Illustration by Elizabeth Brockway/The Daily Beast

Randy Rainbow, the so-called “internet sensation” and self-described “show queen,” has become so well-known for his zinging, homemade Broadway parodies of the Trump Administration—the latest is aimed at Supreme Court Justice Brett Kavanaugh—that he now has a bestselling live tour booked all over the country.

His secret? He’s not even that political but he found in Trump a way to exorcise a lot of the dark feelings he felt for his late father.

“Trump fucking infuriates me,” says Rainbow, 37, who grew up in South Florida but now lives in a two-bedroom apartment in Astoria, Queens. “He reminds me so much of my father. That narcissism. Even my father couldn’t stand watching him because I think Trump reminded him of himself.”

Read more at The Daily Beast.

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