Here are three reasons why a Fed rate cut won’t save Wall Street

Senior economists from both political parties say a rate cut may not work that smoothly even if the Fed says yes. And that poses risks to America's decade-long recovery as the 2020 presidential election draws nearer.
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Can Anyone Save the Scandal-Plagued USA Gymnastics? Li Li Leung Is Determined to Try

There are thankless jobs, and then there is Li Li Leung’s job. As the new president and CEO of USA Gymnastics (USAG), Leung oversees an organization that is struggling to justify its existence. After major sponsors walked away following USAG’s involvement in one of the worst sex-abuse scandals in sports history, the group declared bankruptcy last December, and is now in danger of losing its status as the national governing body for the sport in the U.S.

Leung is the fourth new head of USAG in two years and must now restore the reputation of gymnastics in the U.S. She inherits an organization that many gymnasts feel is working against them. Both gymnasts and USAG officials have revealed that under its previous leadership, it not only failed to immediately report sexual-abuse claims to law enforcement but also tried to keep those reports from becoming public. And even after hundreds of complaints from athletes against one man, former national team doctor Larry Nassar, piled up, USAG appointed a series of people with ties to those involved in the scandal to high-level positions. (In court, more than 150 women and girls, from local athletes to Olympic and world team members, said he sexually abused them over the past two decades, some when they were as young as 8 years old; in 2018, Nassar was sentenced to up to 175 years in prison.) Some of them believe the only way forward is to raze the organization and create an entirely new body to represent gymnastics.

Leung is betting her career that she can rebuild USAG from the inside. As a former gymnast, she wants to make athletes’ concerns more of a priority in order to rebuild the trust that has dissipated like the chalk dust gymnasts clap off their hands. She approached USAG last fall, when her predecessor resigned. “I didn’t reach out wanting to be CEO,” says Leung. “If that meant I would volunteer, then I would volunteer.”

Heading the organization wasn’t exactly a sought-after position, and many potential candidates turned it down. Leung, however, decided to leave a comfortable job at the NBA to take over the disgraced organization. Just two months into her tenure, Leung’s office at the USAG headquarters in Indianapolis is still devoid of any personal effects; there hasn’t been much time for decorating between meeting with every staff member and attending competitive events. (The first former gymnast to lead USAG in 20 years, she has even stretched with the junior national team, and kept up when they performed splits.) A few early mistakes as CEO have raised questions about whether she’s up to the task but haven’t shaken her resolve. “It’s not like you can snap your fingers and have everybody completely move on,” says Olympic gold medalist Nastia Liukin. “It’s going to take time.”

With the Olympics, gymnastics’ grandest showcase, looming in just over a year, Leung has scrawled a number, 43, on a whiteboard that occupies an entire wall of her office as a reminder of how urgent her job is. “It’s a timeline for me, a countdown of days,” she says, declining to elaborate further.

 

Leung didn’t need this job. As president of global partnerships at the NBA, she was responsible for marketing, negotiating and nurturing relationships with brands such as Nike, Samsung and Audi, and her easy friendliness helped her adapt to living around the world in London, Shanghai, Beijing and New York. But after watching USAG self-destruct over the past few years, she could not sit by any longer. “I kept telling myself, ‘It’s going to get better at some point,’” she says. “Over the course of two years, it didn’t. Because I gained so much from the sport, I felt it was time to pay it forward.”

When she was 7, she and her twin sister, May May, took their first gymnastics class in Ridgewood, N.J. The daring flips, and the license to tumble and catapult their bodies to impossible heights, left the girls smitten, so Leung’s parents soon moved the family to nearby Parsippany so the sisters could train at an elite gym. For 15 years, Leung lived the almost monastic life of an elite athlete, training twice a day, for 35 hours a week, missing most of the traditional teenage rites of passage like football games and school dances. The dedication earned both Leung and her sister gymnastics scholarships to the University of Michigan, and her athletic career even set her up for a less traditional challenge while she was at the NBA–competing in a regional first round of American Ninja Warrior. (The floating steps sunk her.)

In her new role, she is focused on enforcing new athlete safety policies to protect gymnasts. She has been advised not to reach out to sexual-abuse survivors involved in pending lawsuits, although some have contacted her. She told attorneys on the survivors’ committee that when she can, she wants to meet with them. “I don’t see them as adversaries at all,” she says. “I want to hear from them and would love them to be part of the solution going forward.”

Such a partnership with survivors may not be as easy as Leung hopes, given her rough start at the helm. In her first broadcast interview, Leung revealed that she too had been seen by Nassar, but said she was not abused by him because her coach was in the room. Survivors took offense; many had testified that Nassar abused them, under the guise of treating them, while their parents or coaches were in the room unaware of what he was doing. Leung quickly issued an apology on social media. “I could have chosen my words a bit more artfully,” she says a few days after the fallout. “My comment was never meant to diminish the horrific experiences the survivors had to go through. I continue to apologize for that.”

Then Leung hired Ed Nyman, a former gymnast and an expert in biomechanics at University of Findlay in Ohio, who had worked at his wife’s gymnastics facility, to serve as a medical liaison between athletes, coaches and the organization, and to oversee athlete care and wellness. But on his first day, she fired him, after she says she learned he “fail[ed] to disclose athlete safety complaints involving him and his wife’s gym.” Nyman says the complaints were made to SafeSport (an independent body that evaluates any complaints about athlete abuse, regardless of whether they are sexual in nature), did not require a formal investigation and were known to people at USAG. He maintains, “I have never done anything that disqualifies me for this job.”

Despite all the problems USAG must contend with, Leung is determined to turn it around. The U.S. Olympic Committee’s investigation into whether USAG should be decertified as a national governing body is on hold because of the bankruptcy, but she hopes the organization will be financially solvent again by the end of the year. That would give her time to make the case that USAG should remain the representative for the sport at the Tokyo Games in 2020. “My goals are to work in several main areas,” she says of the critical year ahead. “One is finding a fair and full resolution with the [Nassar] survivors. The other piece is athlete safety; we want to empower athletes. And finally, our financial stability is a big part. I believe if you put your house in order and do what’s right, the partnerships will come. That way our athletes can focus on the Olympics without any distractions.”

This appears in the June 24, 2019 issue of TIME.
Sports – TIME

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8 of the Smartest Ways to Save Money When You Move

Moving is expensive. Whether you’re moving to a new place down the street or crossing state lines, the costs add up quickly. In the United States, the average price of move within a state is $ 2,300. If you’re heading to another state, the average is $ 4,300—and prices go up as the distance and the amount of stuff you’re moving increase. There are, however, steps you can take during this notoriously stressful process that can help you save a few bucks and ensure that your move goes smoothly.
Bob Vila : Trusted Home Renovation & Repair Expert

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How To Save For Retirement If You Can’t Do It Through Your Employer

Why is it now so important to talk about retirement planning for workers without an employer-sponsored plan?

Only about half of all Americans have access to plans available through their job, according to a 2018 report from the Stanford Center on Longevity. The other half are freelancers or workers with multiple jobs or part-time jobs that do not offer 401(k)s or other accounts. And the percentage of people in this position is projected to grow in the coming years! But not having access to an employer-sponsored plan does not mean you can skip saving for retirement, Tom! This morning, I want to talk about the options available to those without an employer retirement option.

Let’s start with the basics. What percentage of our paycheck should we be saving?

Regardless of whether you have an employer sponsored plan or not, you want to try to save at least 10% of your gross income, which means your income before taxes. For example, if your salary is $ 36,000 per year, you should try to put $ 3,600 ($ 300 per month) into your retirement account every year. If you cannot save 10%, that’s OK. Every dollar counts, so save whatever you can! And remember, contributions to most retirement funds are considered pre-tax, meaning that what you save is deducted from your overall taxable income. So come tax time, you will be paying taxes on a smaller adjusted income.

 So we are socking away 10% of our pay. Where to we put it if we are self-employed or freelancing?

There are a number of vehicles available if your employer does not offer a plan. The first is the Single 401(k), also known as the Individual 401(k) or Solo 401(k). These accounts are set up for individuals or a small business owned by a spouse or an immediate family member. They work just like a traditional 401(k), with one major exception. Because Single 401(k) participants don’t have access to employer matching, account holders are allowed to make higher contributions up to 25 percent of the business’ earnings.

If you are a small business, a Simplified Employee Pension IRA or SEP IRA is also a good option available to you, especially if you have employees. SEP IRAs are easy to set up and have low fees. However, under this account, the employer makes contributions, not the employees.

There is no minimum contribution for a Single 401(k) or a SEP IRA, allowing you to put away money at any time!

What options are available for part-time workers or those who work at a company that doesn’t offer a retirement plan?

Great question! If you have a couple of side hustles or your company does not offer retirement accounts, you can put your money in an independent retirement account, or IRA. Contributions you make to IRAs are usually tax-deductible, and transactions and earnings within the IRA have no tax impact. However, it is important to note that withdrawals you make in retirement will be taxed as income. An IRA allows you to save if you haven’t struck out on your own!

Is there anything else our listeners should know?

When you do not have an employer-sponsored plan, it can be easy to put retirement on the back burner. Don’t let this happen to you! Take time to do your research, choose the investment vehicle that best suits your needs, and get started. As you have heard me say, the best way to contribute to your retirement account is to set up a direct deposit so you can set it and forget it.

And remember, if you do not know where to start, contact a financial advisor.

 


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Life & Style – Black America Web

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Best TV deals this weekend: Save up to $2,200 on Samsung, LG, Vizio

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Memorial Day is next weekend, and if you don’t have plans locked down, we think you should throw a party.

Hear us out.

This is your chance to assert yourself as the host with the most of the friend group. Essentials like a gas grill, a beer brewing kit, and a 4K TV are all you need to keep guests entertained, and there are a ton of TVs on sale this week. Don’t worry, most have free two-day shipping.

Sale TVs from Amazon, Walmart, Dell, and PCMag range from 40 to 86 inches, but our favorite deal is this 65-inch from Samsung that’s just $ 597.99 — nearly 50% off its original price.

Here are our favorite TV deals for this weekend: Read more…

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How Adam Gase is trying to save Le’Veon Bell relationship

Now that the partnership between Adam Gase and Mike Maccagnan has ended, the focus of the Jets world shifts to another relationship: Gase and star running back Le’Veon Bell. One area of fallout from Wednesday’s news that the Jets may have not anticipated was the reporting that emerged about coach Gase not being fully on…
Sports | New York Post

EMPLOYMENT SEARCH UPDATE:

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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Scouted: Save 25% on Ralph Lauren Bags, Sneakers, Suits, Bathing Suits, And More During This Macy’s Sale

During Macy’s springtime sale, you stand to save big on Ralph Lauren apparel, bedding, bags, and more. Across the site, pages and pages of select items—Ralph Lauren’s finest among them—are marked down 25%. Use code ESCAPE at checkout to apply the discount.

And some of the standouts run the gamut of Ralph Lauren best sellers. The versatile and minimalist Merrimack Reversible Tote is $ 134 right now, and comes in Mist Blue and Mellow Pink. Get your wetsuit upgrade with the Ruffled One-Piece Swimsuit, which comes in seven colors and is yours for $ 90. Removable cups, a v-neckline, and full butt coverage make this a great spring pick. Step up your kicks with the Jinny Slip-On Sneakers, available in seven styles and marked down to $ 45 right now. Upgrade your spring suit with the Solid Ultraflex Classic-Fit Wool Jacket, constructed with a two-button closure, four-button cuffs, a welt chest pocket, and full lining. It’s on sale right now and the added discount brings it down to $ 75 (85% off). Need new towels? You can get more than a dozen different styles with the Sanders Antimicrobial Mix and Match Bath Towel Collection and each one is engineered to resist odors, impurities, and other bacteria. One towel will run you $ 24 during the sale, with added savings for orders with multiple towels. There’s something for everyone in this sale and the Ralph Lauren quality simply steps it all up.

Scouted is internet shopping with a pulse. Follow us on Twitter and sign up for our newsletter for even more recommendations and exclusive content. Please note that if you buy something featured in one of our posts, The Daily Beast may collect a share of sales.

Read more at The Daily Beast.

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External reference drug pricing could save medicare tens of billions

A new study found that prices for brand-name prescription drugs averaged 3.2 to 4.1 times higher in the US when compared with prices in the United Kingdom, Japan and the Canadian province of Ontario. The study also found that the longer the brand-name prescription drug was on the market, the greater the price differential.
Consumer Behavior News — ScienceDaily

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George Lucas and Mellody Hobson Fight to Save ‘Ebony’ and ‘Jet’ Magazines’ Historic Archives

Business titan Mellody Hobson and her husband, Star Wars filmmaker George Lucas, filed a court motion seeking control of the Ebony and Jet archives just weeks after the magazines’ former owner, Johnson Publishing Co. (JPC), filed for bankruptcy. According to The Wall Street Journal, the power couple is seeking to take control of the magazines’ archives, which contain thousands of historic photos and recordings of African American people, culture, and events.

JPC filed for Chapter 7 bankruptcy earlier this month, putting the magazines’ collection of iconic footage, chronicling more than 70 years of African American life, in jeopardy. The archives include original photos of Dr. Martin Luther King Jr. and his funeral, Rosa Parks, Muhammad Ali, Langston Hughes, and Maya Angelou. It also includes photos taken of Emmett Till’s 1955 funeral along with a host of images published during the civil rights movement.

Johnson Publishing

Mellody Hobson

According to The Journal, JPC used the archives, which had once been appraised at $ 40 million, as collateral for a $ 12 million loan that the company received from Capital Holdings V. The loan, however, has been in default for three years, leaving the archives uninsured. As a result, when JPC filed for bankruptcy, the company’s assets were placed in control of a court-appointed trustee.

Capital Holdings V, a company controlled by Hobson and Lucas, filed a motion Wednesday in Chicago federal Bankruptcy Court seeking to foreclose on the archives, citing the risk to their loan repayment and the iconic photo collection.

“We are dedicated to preserving and celebrating stories and storytellers around the world,” Capital Holdings said in a statement to The Journal. “The Johnson Publishing archives are an essential part of American history and have been critical in telling the extraordinary stories of African American culture for decades. We want to be sure the archives are protected for generations to come.”

Johnson Publishing

George Lucas (Wikimedia)

Founded in 1942 by John H. Johnson, JPC once represented the pinnacle of success for African Americans. Meanwhile, the company’s founder and publisher served as an inspirational force for generations of black entrepreneurs. However, the company took a hard financial blow during the digital revolution. According to a BE report:

According to the Chapter 7 bankruptcy petition, filed in the Northern District of Illinois, JPC has between 200 and 999 creditors, as well as between $ 10 million and $ 50 million in both assets and liabilities. In making the announcement, the company said in a press release that it was “caught in a tidal wave of marketplace changes and business issues which, despite exhaustive efforts, could not be overcome.”

 

Over the years, financial troubles forced the firm to sell major assets. In 2016, the company sold Ebony and Jet magazines to Texas-based private equity firm CVG Group L.L.C., which still manages those media properties, and sold its headquarters in 2010. The company, which still owns the Fashion Fair cosmetics business as well as an expansive archive of about 4 million images and thousands of videos, will place those properties on the auction block.

 

The post George Lucas and Mellody Hobson Fight to Save ‘Ebony’ and ‘Jet’ Magazines’ Historic Archives appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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Save over 80% on this training bundle that can help you break into DevOps

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Consider for a second that Westeros in Game of Thrones is a software company. Sansa would be the Operations department, and Daenerys would be in charge of Development. Meanwhile, Jon Snow is the DevOps Engineer whose primary role is to diffuse the palpable tension between the two so that Winterfell and the rest of Westeros can finally know peace.

See, as the head of development, Daenerys’ goal is to introduce new features and continuously improve the product. On the other hand, Sansa’s operations team is more concerned about the stability of the product. They’re aware that any big changes could potentially topple the system, so they try to defer them as much as they can. Read more…

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Victor Hugo Wrote ‘Hunchback of Notre-Dame’ to Save the Great Cathedral

Photo Illustration by Elizabeth Brockway/The Daily Beast

You might say that the best fiction exists to disassemble expectations. Nature can be the same way, which is why, even when we understand the realities of fire, we’re still taken aback—in the modern, technologically-ramped-up age—when something like Notre Dame Cathedral becomes a sky-tethered conflagration.

You want to say, “Wait, shouldn’t we be able to stop this?” and “Surely it is possible with all of our advances to keep such a blaze from beginning?”

But that is not how nature works, nor how great fiction works; they’re both going to do what they’re going to do, and then we must adjust.

Read more at The Daily Beast.

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One way to save the planet: Build more nuclear plants

About 30 miles north of Manhattan, the Indian Point Energy Center looms over the banks of the Hudson. It produces 11 percent of the electricity consumed in New York state and a quarter of the power used in the New York City area. And that power is completely free of the carbon-dioxide emissions associated with…
Opinion | New York Post

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Save $45 when you bundle TurboTax Deluxe with Quicken software through Amazon

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It’s okay if you’re one of many Americans dragging your feet instead of filing your 2018 tax return. Really, we get it. All those numbers and esoteric tax jargon can get pretty boring. 

But tax season is a great time of year to figure out your financial standing in life, and Amazon is here to help. Not only can you tackle your taxes, but now you can boost your overall financial health with a TurboTax and Quicken software bundle that’ll save you $ 45

For a limited time, Amazon is offering a bundle that includes TurboTax Deluxe + State 2018 with Quicken Deluxe 2019 for only $ 59.98 — $ 45 cheaper if you purchased them separately. Your copy of TurboTax Deluxe includes up to five free federal e-files and one state return. With Quicken Deluxe, you receive a subscription for one year plus two bonus months that’s exclusive to Amazon.  Read more…

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Scouted: Save Up to $500 on a Burrow Flatpack Couch During Their Spring Sale

There’s a lot to love when it comes to flatpack furniture. It’s easy to assemble, affordable, and can fit through any narrow doorway, stairwell, or hallway. Burrow mastered the art of the flatpack sofa and right now they’re taking up to $ 500 your purchase.

The Burrow Spring Sale is a tiered discount, with savings on purchases starting at $ 450. Grab $ 75 off purchases over $ 450, $ 150 off purchases over $ 800, $ 225 off purchases over $ 1,150, $ 300 off purchases over $ 1,500, and $ 500 off purchases over $ 2,000 when you stock your shopping cart and use the code TULIP2019 at checkout.

Burrow has many size options to choose from: You can stick with just the sofa or you can add on a chaise or ottoman. Or opt for the larger King Sofa that gives you 111” of seating area.  Not in the market for a sofa? They have loveseats and armchairs that are sleek and simple and will fit into practically any design style. You can even add an optional USB port (which I think should be an essential part of all couches).

Read more at The Daily Beast.

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SPECIAL NEWS BULLETIN:

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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Diets Can Do More Than Help You Lose Weight – They Could Also Save The Planet

Fad diets have long been brushed off as selfishsuperficial quests to lose weight.

But if you study the actual content of popular diet books, you will discover that most tell a different story. Many inspire dieters to improve the health of their bodies, society and the planet.

It’s a topic I explore in my research, as well as my 2018 book, “Diet and the Disease of Civilization.” More than than merely guides for getting thin, diet books tell rich stories that urge people to change their lives to save the world.

Grand ambitions

Diets inspire change not because one is more effective than another, but because they tell stories worth believing in.

Peel away the nutrition advice and you’ll find that, while most popular diets ennoble seemingly selfish goals, they also insist that individual health is inextricably linked to the larger environment.

A quick review of diet books reveals their grand aspirations. Think of the Paleo diet. Hundreds of Paleo diets describe peaceful prehistoric communities rich with singing, dancing and storytelling. Today, leaders promise that “eating Paleo can save the world.”

Promoters of detox diets make similar claims. Detoxers believe that environmental pollution and toxins cause stress, obesity and other modern ills.

detox book from 1984 argued that humans cannot “dissociate our fate from the fate of the earth” and insisted that “what we have learned about freeing our bodies from harmful substances must also apply to cleaning up the world.”

Today’s diets go a step further, intimating that if you’re not “eating clean” you could be eating “dirty” foods full of pesticides, toxins and carcinogens. One diet book explains that clean foods are “not only good for one’s health, but equally important for the environment.” “The Kind Diet,” a popular vegan book written by actor and animal rights activist Alicia Silverstone and Victoria Pearson, is subtitled “A Simple Guide to Feeling Great, Losing Weight and Saving the Planet.”

Diet consequences

Arguably, today’s food world could use some saving.

The health consequences of how Americans eat have long been cataloged. For example, 2 in 3 Americans are overweight or obese, costing the U.S. economy an estimated US$ 190 billion a year.

But the environmental consequences of these food choices are just as stark. Agriculture is responsible for about one-tenth of greenhouse gas emissions. Farming consumes more than two-thirds of the planet’s fresh water.

And it’s specific dietary choices that are driving these environmental pressures. Animal products, for example, provide just 18 percent of the typical American’s calories yet take up 83 percent of all farmland. Just cutting down on beef would be more effective at reducing your carbon footprint than giving up your car.

The government’s role

This is where the government could learn from popular diet plans and promote sustainable diets for public health and the environment.

In its dietary guidelines, the U.S. Department of Agriculture encourages Americans consume a healthy diet that focuses on foods high in nutrients and low in sugars and saturated fats. But despite the recommendation of an advisory committee, it does not include language about food system sustainability or how such diets have a well-established link to human health.

The government is also discouraging other steps toward an environmentally friendly diet. Consider the new technologies of culturing meat from living animal cells – a technology that could cut out 14.5 percent of Americans’ anthropogenic greenhouse gas emissions. At the same time, the government is bending to industry concerns and enforcing needlessly strict definitions of meat, preventing soy- and lab-based products using the label.

History shows that today’s Department of Agriculture is missing a valuable opportunity. During World War I, the American government used diets to do more than improve individuals’ health. As the head of the Food Administration, Herbert Hoover urged Americans to stop wasting food so the U.S. could use it to prevent starvation in Europe. His efforts are now credited with saving the lives of about 7 million Belgians and 2 million French people.

Popular diets also picked up the humanitarian cause. One 1918 diet included a program dubbed “Watch Your Weight Anti-Kaiser.”

Today’s food authorities could do the same: urge Americans to eat better because the food system is actually a web. Our food choices have a profound impact on our health and the planet.

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How to Automate Your Savings to Amortize Big Expenses and Save Money

how to automate savings

I realized the other day that while I’d mentioned how I amortize big expenses through automatic saving, that I’ve never done an explicit post on it, so I thought it might be a good discussion. Ladies, what are your best tips on how to automate your savings? How much each month do you send to automatic savings (versus automatic investments)? Do you save for specific big expenses (like bills you know are coming), breaking them into smaller chunks each month, or are you just saving for a future nebulous expense like a downpayment or wedding? If you’ve got big debts (like student loan debt), how do you decide when to save vs when to pay down debt?

Pictured above: WHOA, Nordstrom has several magic wallets (affiliate link).

I have automated a ton of my savings, mostly to amortize big expenses — in fact most of our monthly income is immediately sent to automatic savings or automatic investments, which means that it can feel a little tight if our credit card bill is too high or the blog income (which varies widely) is too low. You can set this up in a lot of different accounts, but personally I’ve used Ally for the past five or six years. (This is not a sponsored post!) I like Ally because I find it very easy to 1) set up new accounts with beneficiaries and so forth, 2) in Ally you can label the accounts silly things like “Griffin Fun Money,” 3) they offer a pretty good savings rate, 4) Ally integrates seamlessly with my main bank for business and personal use, Chase, and 5) the separate little Ally accounts all sync with Mint — and I’ve set it up so Mint knows the account labels, so it isn’t at all confusing.

Each month we automatically save money into these accounts in Ally:

  • Insurance fun – My husband and I both have a fair amount of term life insurance, and the renewal comes at the same time every year, so that can be a pretty big chunk of money — so I added up all of the insurance payments we make through the year, divided by 12, and put that amount into a separate savings account once a month — and then when the insurance renewals come there’s no stress because the money is already set aside.
  • Vacation money – We don’t take a huge number of vacations but we have a set amount going each month to a separate vacation fund — we’re more likely to use it for a quick weekend trip, but I like not stressing about how much a hotel/plane flight costs — and when the amount gets too big in the account it’s a good incentive for us to actually plan a trip and go somewhere fun
  • Kids’ expenses/lessons – At various points through the kids’ lives we’ve had what felt like big, predictable expenses for the kids, so I’ve broken them down like I have for the insurance payments (totalling them up then dividing by 12); if the vacation fund gets too big I might also start diverting money every other month to the kids expense bucket.
  • Griffin Fun Money – After our post on “when to dip into your emergency fund” I realized I needed to change my system a bit, so now we have a monthly amount going into “fun money,” designed to cover those bigger expenses that come along rarely, like buying a new piece of furniture. 
  • Emergency funds – Our emergency funds are fully stocked right now (I have one for business and one for the family), but if we needed to restock things we would put them here.
  • Other big expenses – If you know you’re saving for a downpayment, a car, or some other house-related project like a kitchen renovation, I would definitely set up a savings account to break it into smaller chunks ahead of time.

Just to be super clear and distinguish this discussion from the one we had a while ago on automatic investing: if I think I’ll need the money within three years, I put the money in savings rather than investments like index funds. I’ve never been big on CDs, but Ally recently offered some good rates for 12-month CDs so I will admit to having some of our “emergency fund” money in CDs rather than savings accounts — but with Ally saving accounts offering 2.20% right now that’s hard to beat. (When I looked at bank rates on Mint recently there were a number of different banks offering that kind of savings right now, so definitely shop around if your emergency fund or other cash is earning less than that.)

Readers, how about you — have you automated your savings, whether for specific expenses or a nebulous future expense that’s different than your emergency fund? How much are you putting away each month for savings (vs. automated investments like your 401K)?

 

The post How to Automate Your Savings to Amortize Big Expenses and Save Money appeared first on Corporette.com.

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BEST DEAL UPDATE:

Scouted: Today on Amazon: Save Hundreds on High End, Touchless Kitchen Faucets

In my journeys, I usually come across one of two distinct varieties of kitchen faucet: Metallic-styled and goose-necked masterpieces in big, similarly magnificent kitchens are on one end. On the other end is everything else. And today’s Moen faucets sale — saving you hundreds of dollars on best-selling units — is a chance for anyone on the prowl for a high-end faucet to more affordably level up.

The shining beacon of the sale is the Arbor Motionsense, which at $ 260 today is a 23% discount. And though the Arbor looks too aesthetically pleasing to also provide high function, it actually does: Two sensors let you wave your hand to activate the stream so you’re never leaving residue on it from soap, grease, a sneeze, or any other kind of schmutz in the kitchen. Its retractable hose is 68 inches long and designed to provide extra pressure to its stream while maintaining easy movement and secure docking — I’ve never met someone who isn’t irked when a retractable device docks off-kilter. And it’s easy to put together, the installation a mainstay focus in Moen’s design. Lastly, this faucet is the top best seller in the touchless faucet category.

But Moen is by no means the only notable faucet make out there. Here are a few other highly-rated and very attractive faucets to help you take your kitchen to the next level.

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

CHARITY UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

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

Hey comic book artists, save 50% on this affordable alternative to Photoshop and Illustrator

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You don’t have to be an art geek to know that Adobe Creative Cloud programs are most creatives’ go-to toolset for digital drawings and paintings. The Photoshop app, for its part, is reportedly used by more than 90% of creative professionals worldwide.

But at $ 20.99 per month for a single app or $ 52.99 monthly for the entire suite, subscriptions to these Adobe products often test the budgetary limits of your average illustrator or comic book artist. (Hey, the starving artist stereotype exists for a reason.) Luckily, you’ve got a wallet-friendly alternative in the form of Clip Studio Paint PRO, an award-winning digital art software program, the price of which was just slashed in half. Read more…

More about Design, Illustration, Adobe Creative Cloud, Mashable Shopping, and Shopping Stackcommerce


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Save the date: artrepublic’s first Sample Sale

Help us fundraise for Middle Street Primary School – get up to 60% off selected works.

artrepublic Sample Sale

Between 7th – 10th March, the artrepublic Brighton gallery will be hosting a sample sale at Middle Street Primary School.

The school is currently experiencing a chronic funding crisis and is in real need of local support. The artrepublic Sample Sale will donate 25% of sales to Middle Street Primary School to help raise money for a special needs teacher.

Last year, artrepublic raised over £2,000 to help renovate their arts center. This year, we hope to make a difference again.

With both framed and unframed works from floor to ceiling, the artrepublic sample sale will offer a unique chance to browse for hidden gems – with up to 60% off selected works.

Our gallery team will be on hand to discuss your favourite new find! If you’re tempted to spend a little more, our gallery’s Own Art scheme could make purchasing one or more pieces that little bit easier. For more information on this 0% APR payment plan, please ask one of our Art Advisors.

The Brighton gallery team look forward to welcoming you at our Middle Street School sample sale fundraiser.

 

artrepublic Sample Sale,
7th to 10th March,
10.30am to 5.30pm

Middle Street School,
37 Middle Street,
Brighton, BN1 1AL

 

For more news stories and events visit our Brighton Gallery page

The post Save the date: artrepublic’s first Sample Sale appeared first on artrepublic blog.

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Tales from the Wallet: How to Save Money on Food

how to save money on food when you work long hours

There was an interesting threadjack the other day about how much people spend on groceries, and I thought it might make an interesting discussion for its own post. How DO you save money on food when you work long hours and don’t have a ton of time for meal prep and other things? When you’re cutting back do you cut back on restaurants, food deliveries, groceries and more? Do you do this for a period of time (no eating out for a month!) or do you try to do it for the long haul? (Side note: how do you track purchases so you can quantify what you’re spending on food?) (For those of you who DO do a lot of weekend meal prep and bring your own lunches, share your best tips!) 

This post contains affiliate links and Corporette® may earn commissions for purchases made through links in this post. For more details see here. Thank you so much for your support!

how to save money on food when you work long hours(Pictured above: lovely J.Crew wallet, now 50% off! It’s available in three colors and is $ 64.)

Psst: we’ve talked specifically about how to save money on lunch in the past.

For my $ .02, I’ve never been great about tracking grocery spending — too much of our stuff comes from mixed-category stores like Amazon, CVS and more to be flagged easily by Mint. I also tend to swing wildly from overstocking the cabinets (aka “buying whatever I want”) one month to “realizing I’ve bought too much and now we must eat it” the next month, so one month’s spending may be $ 1000+ and another month may be $ 200. (But we DO save money when I buy grocery items because they’re on sale rather than “we need it right now,” so… I’m not sure what the answer is.)

In my very first job, I was on such a strict budget that I often realized I had $ 5 left at the end of the month — so I would end up bringing things like a raw potato and a slice of American cheese with me to microwave at lunch. I also perfected the art of making sandwiches with grocery store meat and cheese from home but with slightly-less-fresh bagels from the deli. A lot of these habits stuck with me even when I was a lawyer — I kept a 6-can mini-fridge (affiliate link) in my office so I could have yogurts, Diet Cokes, deli meat and cheese on hand… and I knew more than a few lawyers who kept a jumbo jar of peanut butter along with some crackers to “eat something quickly” if they really had no time to eat.  (Also great if you need to avoid getting hangry at work!)

In terms of restaurants and other food spending, that is generally easier for me to track and curb — after all, it’s easy to avoid the fanciest restaurants when you’re making plans, and you can even make intelligent decisions when looking at the menu, like getting the $ 16 pasta dish (and taking some home for later if it’s too many calories for you at that moment) versus getting the $ 34 fish dish and not having any leftovers.

How about you, readers — how do you save money on food? Do you feel like it’s harder to save money on food if you’re working long hours, or easier? After all, you may not be buying many groceries for your home fridge — but you may feel like you’re spending a ton on lunches or convenience foods.

The post Tales from the Wallet: How to Save Money on Food appeared first on Corporette.com.

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New ‘planetary health diet’ will save millions of people — and the planet

An international team of scientists has developed a diet it says can improve health while ensuring sustainable food production to reduce further damage to the planet. It’s based on cutting red meat and sugar consumption in half and upping intake of fruits, vegetables and nuts.


CNN.com – RSS Channel – Health

BEST DEAL UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

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

Save 30% on this super fancy Ninja coffee system at Walmart and make your own lattes at home

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What’s better than a cup of coffee in the morning? How about a latte or cappuccino instead? 

No, we’re not proposing you leave your home to get a latte from your local Starbucks, but instead you can make your own with the Ninja Coffee Bar Glass Carafe System, which is now on sale for $ 118.75, or 30% off its list price at Walmart.

Normally retailing for $ 169, this coffee system from Ninja can brew a single serving of piping hot coffee, while its built-in milk frother can turn regular milk into silky and smooth foam. Now you can make your own lattes and cappuccinos and save the money you’d spend at your local coffee house. Read more…

More about Coffee, Ninja, Kitchen, Mashable Shopping, and Shopping Linkshare


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The Golden Globes Were an Embarrassment Not Even Sandra Oh Could Save

Paul Drinkwater/Getty

This awards season thus far has been a scorching, sizzling, flaming mess. Sunday night’s Golden Globe Awards just gleefully leapt onto the fire.

From the Oscars’ host fiasco to terrible, tone-deaf films becoming category frontrunners, to the struggle to find continued meaning and gravitas a year after the galvanizing first #MeToo-era ceremonies, the Golden Globes was already set in stormy weather. But it also had the potential to clear the skies to much-needed sunshine.

There was tangible excitement for hosts Andy Samberg and Sandra Oh, an unlikely and beloved pair. This is the venue where Meryl Streep and Oprah Winfrey delivered acceptance speeches that doubled as rousing sermons dictating our entire national discourse. Even the Globes’ notorious kookiness was promising: Times are tough, but at the very least we’ll probably get to see Lady Gaga take home an award. What fun!

Read more at The Daily Beast.

Got a tip? Send it to The Daily Beast here

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BEST DEAL UPDATE:

The Golden Globes Were an Embarrassment Not Even Sandra Oh Could Save

Paul Drinkwater/Getty

This awards season thus far has been a scorching, sizzling, flaming mess. Sunday night’s Golden Globe Awards just gleefully leapt onto the fire.

From the Oscars’ host fiasco to terrible, tone-deaf films becoming category frontrunners, to the struggle to find continued meaning and gravitas a year after the galvanizing first #MeToo-era ceremonies, the Golden Globes was already set in stormy weather. But it also had the potential to clear the skies to much-needed sunshine.

There was tangible excitement for hosts Andy Samberg and Sandra Oh, an unlikely and beloved pair. This is the venue where Meryl Streep and Oprah Winfrey delivered acceptance speeches that doubled as rousing sermons dictating our entire national discourse. Even the Globes’ notorious kookiness was promising: Times are tough, but at the very least we’ll probably get to see Lady Gaga take home an award. What fun!

Read more at The Daily Beast.

Got a tip? Send it to The Daily Beast here

The Daily Beast Latest Articles

SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

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

4 donors identified with rarest blood in the world to save a 2-year-old

A global search is underway for blood donors matching a two-year-old with some of the rarest blood in the world.


CNN.com – RSS Channel – Health

BEST DEAL UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

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

Texas officers save man from burning vehicle

Associated Press

SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

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

How to save time and avoid waiting in line for attractions

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There’s nothing worse than traveling somewhere to see an attraction that you waste half the day queueing for. Whether its a museum, gallery, or monument, if it’s popular, it’s going to have a seemingly endless queue. However, if you don’t fancy wasting three hours of your day queueing in the rain just for an elevator up the Eiffel Tower, then there are some tips and tricks to get you past the excessive lines.

Pick your time of day

Tourists usually want to visit attractions from around 9 a.m. to 6 p.m., and so you’re left standing in an enormous queue. However, one of the best times of day to visit any spot – unless it has specific opening hours – is sunrise. There’s no need to wait for sunset to get artistic photos, when dawn is just as beautiful, with the added bonus of being pretty empty. The vast majority of travelers will not be up and out that early, so you’ll have the area practically to yourself. Equally, with some attractions that are open late at night, those times are also likely to be less crowded. So, in general, go super early or late, and you’ll avoid most of the crowds and waiting in line.

Get active

Believe it or not, one of the best ways to avoid queues is to take the stairs rather than escalators or elevators. In places where the view is the main attraction, elevators become overly busy, with people waiting in line for several hours to get in one, while the stairs remain empty enough for you to bypass everyone who is still waiting to be taken up the building without exerting any energy.

Book in advance

By booking a slot in advance, you can dramatically reduce your waiting times. If you arrive just before your slot, you should only be waiting a matter of minutes, rather than hours. The only problem is that you have to be organized and stick to your plan, but, if this doesn’t bother you, then a pre-booked entry time or tour can save you masses of time.

Don’t go for the popular day

If you want to see a famous attraction, avoid doing it when you know its likely to be busy. If you’re in another country, research their holidays, because you don’t want to visit an attraction, only to find out that the entire country has the day off and wants to see it, too. Another way to minimize waiting times is to pick a day which doesn’t appeal to other people. Choose an overcast or rainy day to view an outdoor attraction, and you’ll have the place almost to yourself. You might even witness some views which are uniquely beautiful, like fog hanging over the city.

Just because you want to visit a famous attraction, doesn’t mean you should settle for excessive queueing. You’ll waste your day and be bored by the time you get to the front. Make some plans in advance and look for the least popular times and you can wait in line for a significantly shorter amount of time.

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The post How to save time and avoid waiting in line for attractions appeared first on Worldation.

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Best 4K TV deals: Save on LG, Sony, Samsung, VIZIO, and more

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In honor of Green Monday, we’ve gathered the best deals on 4K smart TVs from Amazon, Walmart, and Best Buy. If you’re looking for a new 4K TV to give as a gift for the holidays (or if you want to get something for yourself), we’ve got you covered with models from top manufacturers like Sony, LG Electronics, Samsung, VIZIO, and more on sale. We found deals on 4K TVs of various shapes and sizes, so there’s something for everyone on your shopping list.

Here are our favorite 4K TV deals for Green Monday:

More about Samsung, Sony, Lg, Vizio, and Mashable Shopping


Tech

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Tackling climate change could save millions of lives, report says

Climate studies often pinpoint the detrimental public health impacts related to rising atmospheric temperatures, extreme weather events and other consequences of a changing climate.


CNN.com – RSS Channel – Health

BEST DEAL UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

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

Jerry Seinfeld Is Here to Save Jimmy Fallon’s Day on The Tonight Show’s Thanksgiving Episode

Jerry SeinfeldJimmy Fallon is all of us on Thanksgiving in the above exclusive sneak peek of the special Turkey Day edition of The Tonight Show. You see, it seems Fallon overate his Thanksgiving meal and is…

E! Online (US) – TV News

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Save an additional 20% off these exclusive Black Friday deals in the Mashable Shop

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Black Friday is finally here, and there’s no shortage of deals to choose from in our shop. 

From Star Wars drones to robot vacuums, here are 20 amazing Black Friday deals you won’t find anywhere else, and you can get them for even less than their sale price. Just use the code BFSAVE20 to save an additional 20% at checkout.

1. Star Wars Propel Drone: Collector’s Edition

Fight for the Rebel Alliance or the Galactic Empire with these awesome drones, available in X-Wing, TIE Fighter, or Speeder Bike versions. Normally they cost $ 149.95 each, but you can take 66% off and get one for just $ 49.99. Use the code BFSAVE20 to save an additional 20%. Read more…

More about Gadgets, Toys, Black Friday, Mashable Shopping, and Shopping Stackcommerce


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Secret Service agent who couldn’t save JFK says guilt haunted him

The Secret Service agent who was too late to save President John F. Kennedy from an assassin’s bullets 55 years ago says that the gruesome scene — and his guilt over not acting more quickly — plunged him into a decades-long, alcohol-fueled depression that tore him from his family and nearly killed him. Clint Hill…
Living | New York Post

SPECIAL SHOE DEAL UPDATE:

“This is the fight to save mutantkind, the fight to restore…

“This is the fight to save mutantkind, the fight to restore their legacy, and this is the fight for their lives. This is forever.”

The last X-Men. “Uncanny X-Men” #12 by Matthew Rosenberg and Salvador Larroca, coming February 2019: http://bit.ly/2QKWusm

Marvel Entertainment

BEST DEAL UPDATE:

Find your favorite Toy Story toys, apparel, , collectibles and more in the Toy Story Character Shops at the online Disney Store.

Want to Save Money on Car Insurance? Do Your Homework

For many Americans—black or white—car insurance is typically a big expense in any budget. A recent survey released by Consumer Reports revealed that only one in four car insurance policyholders searched for a better deal in the previous year. The survey also showed that service outweighed cost when policyholders were asked to offer views on what they looked for the most from their insurer.

Insure.com, an independent consumer insurance website, recently ranked the best auto insurance companies across the country, with USAA, American Family, and Allstate respectively seizing the top three spots. The website’s findings were based on a survey of 3,160 current customers.

In assessing their car insurance company, a preponderance of consumers talked about how the business treated them and how reactive the insurer was in answering questions on coverage or claims. Consumers also commented on various aspects of coverage, including discounts, apps or roadside service. Price was cited, but it wasn’t the main factor for why drivers favored or did not favor their insurer.

Insure.com also reported insurers with the most market share nationally were ranked based on ratings from the policyholders evaluated in multiple categories. Those categories included the value for the price, customer service, claims satisfaction, usefulness, and how easy it is to use the insurer’s website and mobile apps. Another bracket was if consumers would recommend the insurer to a friend. The website does a yearly analysis to compile the ranking, which includes details on how companies ranked overall and other information.

Additionally, motorists should do their homework before choosing an auto insurance company. There are several options beyond the price that drivers should consider than just finding the best bargain.

How To Choose The Best Car Insurance

Here are a few other tips to keep in mind when shopping around for car insurance, based on a report published by Black Enterprise in 2015.

  • Before you begin comparison shopping, find out your state’s minimum insurance requirements and make sure you’re covered for an amount equal to the total value of your assets.

 

  • Keep premiums low by choosing collision coverage with a high deductible and plan to pay routine repair costs out-of-pocket.

 

  • Be sure to comparison shop. Visit insurancepanda and Insurance.com to complete an application form for comparison quotes from several insurance companies.

 

  • There are three kinds of insurers: Direct sellers such as GEICO and Progressive that sell coverage directly to you, large national brands such as Allstate and State Farm, and independent insurance agents that offer various insurance options from many different companies. Direct sellers favor drivers with impeccable driving records so you may have trouble qualifying for coverage if you have a history of accidents or moving violations. National brands are helpful for drivers with spotty records and their rates are usually competitive. Independent agents have great inroads to help get you better coverage at better rates than what you’d find on your own.

 

  • Ask about all available discounts. There is almost always a way to save money. You may get a discount if your car has antilock brakes, if you don’t drive your car often, or if you take a defensive driving class. Request a list of all possible discounts to see if you qualify.

 

  • Skip towing insurance. It’s better to take that extra money and join an auto club such as AAA instead. In addition to towing, you’ll have roadside assistance when you need it.

 

  • Bundle if you can. More insurance companies are offering substantial savings—up to 20%—when you protect all your property with one insurer. Multiple-policy discounts can apply to combinations of home, auto, life, and even motorcycle insurance.

 

The post Want to Save Money on Car Insurance? Do Your Homework appeared first on Black Enterprise.

Money | Black Enterprise

FASHION DEAL UPDATE:

Shop select Free People sale and clearance items at Bloomingdales.com!

Want to Save Money on Car Insurance? Do Your Homework

For many Americans—black or white—car insurance is typically a big expense in any budget. A recent survey released by Consumer Reports revealed that only one in four car insurance policyholders searched for a better deal in the previous year. The survey also showed that service outweighed cost when policyholders were asked to offer views on what they looked for the most from their insurer.

Insure.com, an independent consumer insurance website, recently ranked the best auto insurance companies across the country, with USAA, American Family, and Allstate respectively seizing the top three spots. The website’s findings were based on a survey of 3,160 current customers.

In assessing their car insurance company, a preponderance of consumers talked about how the business treated them and how reactive the insurer was in answering questions on coverage or claims. Consumers also commented on various aspects of coverage, including discounts, apps or roadside service. Price was cited, but it wasn’t the main factor for why drivers favored or did not favor their insurer.

Insure.com also reported insurers with the most market share nationally were ranked based on ratings from the policyholders evaluated in multiple categories. Those categories included the value for the price, customer service, claims satisfaction, usefulness, and how easy it is to use the insurer’s website and mobile apps. Another bracket was if consumers would recommend the insurer to a friend. The website does a yearly analysis to compile the ranking, which includes details on how companies ranked overall and other information.

Additionally, motorists should do their homework before choosing an auto insurance company. There are several options beyond the price that drivers should consider than just finding the best bargain.

How To Choose The Best Car Insurance

Here are a few other tips to keep in mind when shopping around for car insurance, based on a report published by Black Enterprise in 2015.

  • Before you begin comparison shopping, find out your state’s minimum insurance requirements and make sure you’re covered for an amount equal to the total value of your assets.

 

  • Keep premiums low by choosing collision coverage with a high deductible and plan to pay routine repair costs out-of-pocket.

 

  • Be sure to comparison shop. Visit insurancepanda and Insurance.com to complete an application form for comparison quotes from several insurance companies.

 

  • There are three kinds of insurers: Direct sellers such as GEICO and Progressive that sell coverage directly to you, large national brands such as Allstate and State Farm, and independent insurance agents that offer various insurance options from many different companies. Direct sellers favor drivers with impeccable driving records so you may have trouble qualifying for coverage if you have a history of accidents or moving violations. National brands are helpful for drivers with spotty records and their rates are usually competitive. Independent agents have great inroads to help get you better coverage at better rates than what you’d find on your own.

 

  • Ask about all available discounts. There is almost always a way to save money. You may get a discount if your car has antilock brakes, if you don’t drive your car often, or if you take a defensive driving class. Request a list of all possible discounts to see if you qualify.

 

  • Skip towing insurance. It’s better to take that extra money and join an auto club such as AAA instead. In addition to towing, you’ll have roadside assistance when you need it.

 

  • Bundle if you can. More insurance companies are offering substantial savings—up to 20%—when you protect all your property with one insurer. Multiple-policy discounts can apply to combinations of home, auto, life, and even motorcycle insurance.

 

The post Want to Save Money on Car Insurance? Do Your Homework appeared first on Black Enterprise.

Money | Black Enterprise

FASHION DEAL UPDATE:

Shop select Free People sale and clearance items at Bloomingdales.com!

Tesla’s home solar system price cut can save you up to $5,000

Tesla just lowered the price on its solar shingles and other whole house solar components by up to 25% in an effort to boost sales of its under-performing home solar system.

RELATED: Free electricity: Yes, it’s for real and here’s how you could get it!

Tesla’s move will save homeowners between $ 3,000 and $ 5,000

Tesla has confirmed to Reuters that it’s now slashing installation costs on its home solar systems after sales of the systems have trailed off.

A company executive told the news agency that any residential customer getting a quote after November 15, 2018 will realize an average savings of between $ 3,000 and $ 5,000 on material and installations costs versus prior quotes.

Tesla has struggled with its solar installation business since its 2016 acquisition of Solar City, which was then the largest residential solar installer in the country.

A year later, Tesla began accepting orders for its solar roofing shingles, which look like this:

Textured
Smooth
Tuscan
Slate

But despite a lot of buzz around the shingles and Tesla’s residential solar initiative, it didn’t get off the ground in quite the way the company had hoped.

Installations have fallen from 200 megawatts (MW) a quarter in early 2016 when Solar City was at its peak to less than half of that — just 93 MW — in the third quarter 2018, according to Reuters.

Adding to the woes is the fact that Tesla tinkered extensively with Solar City’s successful sales model, which relied heavily on door-to-door canvassing in solar-friendly states, among other proven approaches.

Meanwhile, Tesla also terminated a retail relationship with Home Depot in 2017. That means the all-electric automaker could no longer demo its whole house solar approach at some 800 stores across the country.

Tesla executives now hope a lower price on its solar systems will bring in more customers.

You can request your new, lower quote here.

More real estate stories on Clark.com

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Back To School Sale – Get up to 40% OFF stylish footwear at Payless.com

Hufflepuffs Can — And Will — Save the World

Move over, Gryffindor. Hufflepuffs are the real heroes here.



When we reached out to our Harry Potter community, asking all self-proclaimed Hufflepuffs to describe their unique House pride, we weren’t at all surprised to find that many fans didn’t love their Hogwarts House assignment at first. Countless stories began with community members expressing their knee-jerk shame in being sorted into Hufflepuff — some outright admitting to lying or cheating to skew their results.

“I never really wanted to be a Hufflepuff,” began FANDOM user Squidwiki2017, echoing many similar responses. “Gryffindor was my house until I [took the] Pottermore quiz.”



Once the butt of many jokes, Hufflepuff has blossomed into one of the proudest and most-searched Houses online on our site alone with over 800 thousand page views each year. How did Hufflepuffs reveal themselves to be the true heroes of the Wizarding World, and what made us too blind to see it for so many years?

Hufflepuffs Began as Punching Bags



First, we must ask ourselves where all the Hufflepuff Hostility™ came from. Draco essentially said he would leave Hogwarts for good if he were dubbed a Hufflepuff. Even Hagrid — the benign, the beloved! — had less than flattering things to say about the Hufflepuff House: “Everyone says Hufflepuff are a lot o’ duffers.” This from the loose-lipped professor who drank in front of students and led unsanctioned excursions through the dangerous Forbidden Forest? I love you, Hagrid, but glass houses, my man. Glass houses.

The blatant bias against Hufflepuffs wasn’t contained to the books and films alone. Out here in the non-Wizarding World, the name “Hufflepuff” became synonymous with everything bumbling and unremarkable. Youtube videos, mean tweets, and jokes from parents and peers painted Hufflepuffs as the butt of the joke. If you were the Hufflepuff of your group, of Congress, of the New York Yankees — it meant you were less sharp and less accomplished than your peers. Even Mindy Kaling — as beloved and benign as Hagrid — once tweeted, “No one wants to be a Hufflepuff.”

Type ‘Hufflepuff’ into Google and it will autofill your search with mean questions from days past: “Why Are Hufflepuffs lame?” “Is Hufflepuff for losers?” Our personal favorite: “Hufflepuff = stoner house.” But all the trite Huffle-puff-puff-pass jokes aside, where did all this hate come from?

The History of Hufflepuff



Some people attribute Hufflepuff’s broad-stroked reputation to its aesthetic: Their mascot is a seemingly timid badger, and their house color is a polarizing bright yellow. But let us never forget the much-memed “Fearless Honey Badger” who took on six lions, or Beyoncé’s now iconic dress in the “Hold Up” music video. Sadly, no, the real source of all this Hufflepuff Hate is far less surface or cosmetic; it comes from a deep and reckless misread of the House’s Hogwarts origin story.

Everyone knows that before there was a Hogwarts School of Witchcraft and Wizardry, there were Four Founders (or, as I like to call them, the Alliterati): Godric Gryffindor, Rowena Ravenclaw, Salazar Slytherin, and Helga Hufflepuff. Each created their own namesake house. Gryffindor famously chose students who were brave and chivalrous; Slytherin called dibs on the ambitious and the cunning; Ravenclaw selected the studious and the intelligent; and, according to the Sorting Hat’s sing-song version of the legend in Order of the Pheonix, Helga Hufflepuff “took the rest.”



A shallow read of this tale implies that Hufflepuff was established as a House of leftovers; the bottom-of-the-barrel kids left on the bleachers and selected last for gym class Quidditch teams. But this is a complete misconception. The Hat’s song goes on to say that Helga “taught them all she knew.” These teachings included magical cookery (apparently she could whip up one mean pot roast), fostering House Elf and wizard relations, and more. Helga valued generosity, ingenuity, and friendship — and she made sure that anyone who bore her namesake House would do the same.



And Helga succeeded. Some of the most dedicated and steadfast characters in the whole franchise hailed from Hufflepuff. Take, for example, the courageous Triwizard contender Cedric Diggory, or the Heiress of Herbology herself, Professor Pomona Sprout. (Please, leave your Herbology stoner jokes at the door.) Yet people still perpetuated the tired idea that Hufflepuff, unlike the other three Houses, was a motley hodgepodge of the talentless and unremarkable. Clearly, something had to change — and who better to usher that in than the source of the holy texts herself, Harry Potter author JK Rowling?

The Hufflepuff Revolution



“Hufflepuff is my favorite House in some ways,” Queen Rowling said in a 2012 live chat. “The Hufflepuffs stayed [to fight in the Battle of Hogwarts] for a reason. They didn’t want to show off. They weren’t being reckless. That’s the essence of Hufflepuff. My daughter Jessica said to me recently, who wasn’t sorted into Hufflepuff, ‘I think we should all want to be Hufflepuffs.’ I can only say to you, I would not be disappointed at all to be in Hufflepuff. I’m a little upset anyone does feel that way.”



There it is, folks, staring us in the face as clearly Lily Potter’s green eyes: We should all want to be Hufflepuffs. Rowling’s quote jump-started a grassroots PR campaign for the Hufflepuff House. No longer were they the leftovers — now they were the loyal; the hard-working; the aspirational. And as if being ordained by Rowling wasn’t enough, celebrities began to come out of the woodwork as Hufflepuffs, including “proud Hufflepuff” Eddie Redmayne, Rupert Grint, and Dwayne ‘the Rock’ Johnson. This is the Dwayne Johnson that battles earthquakes and giant gorillas for a living, so remind us how Hufflepuffs aren’t badasses again?



On FANDOM, no House’s Wiki has come close to collecting more pageviews in the last four years (with over 3.4 million visits to the page and counting). The Hufflepuff community on Reddit challenged the other three houses to a good-doing contest. They encouraged their peers to better the world, in true Huffle spirit, with small but impactful tasks like conserving water and donating books to a local library. Hufflepuffs, once marginalized on the internet, have become a mobilized force to reckon with.

Hufflepuff’s Famous New Hero



And, of course, there’s Newt. No one deserved a leading man more than the Hufflepuff House, and they finally got a hero in Newton Scamander, the next-generation hero of the Fantastic Beasts movie franchise. Newt, in all of his Hufflepuff glory, isn’t much of a rabble-rouser; his power comes from his empathy. “You know what I admire about you, Newt?” Dumbledore asks during Crimes of Grindelwald. “You do not seek power. You simply ask, ‘Is a thing right?’” As the Fantastic Beast films have and will continue to prove, Newt’s the unconventional hero we all deserve: diligent, moral, and as kind to magic’s cousin of the rhino (the erumpent) as he is his fellow human beings.



When we asked Hufflepuffs from our Harry Potter community to explain what made them gleam with Badger Pride, user RackUp said it most magically: “As a person, I parallel Newt in many ways. He’s a kind soul that tries to always be honest, but he’s also a bit of an introvert when it comes to people. Once you get to know him, however, you learn that Newt is actually a great person, if a little atypical (maybe the Swooping Evil joke on Kowalski wasn’t the nicest). Now that I know how similar other Hufflepuffs are to myself, I’m proud to call myself one.”

The Future of Hogwarts’ Houses



Now that Hufflepuff has received its much-deserved comeuppance, what House shall history reconsider next? You could make a convincing argument that Slytherin needs a public rebranding; they’re in no way all Death Eaters and bigots, and to claim that is to paint with the same wide brushstrokes that maligned Hufflepuffs for all those years. Or maybe it’s Ravenclaw that deserves its time in the sun — comparatively little is known about Hogwarts’ brainiest house, and it seems fans are growing increasingly intrigued: No other house has seen such a surge in pageviews on our site (a 33% growth in just four years).

Maybe, with the cinematic expansion of the Wizarding World, fans will come to associate themselves with Houses from wizarding schools abroad. In ten years, will the young and the young-at-heart define themselves as Thunderbirds from America’s school, Ilvermony? Or a now-unknown house from Brazil’s Castlobruxo, or Uganda’s Uagadou?

Over the years, and especially considering the evolution of Hufflepuff, we’ve learned that we must approach Hogwarts House assignments with a touch more nuance. Many were too quick to judge Severus Snape as a self-serving Slytherin when he actually dedicated his life to avenging the woman he loved. And what about the ultimate Gryffindor, Albus Dumbledore? Was he not sometimes driven by the desire to attain glory and even to escape death? Aren’t those classic Slytherin characteristics?



Identifying with a Hogwarts House is a phenomenal diving board into introspection. Who are you? What do you value? Do you look good in yellow? (Answer to the last question: Not as good as Beyoncé.) But people are complicated, people! You can tell them which section of a castle to live in and which Quidditch team to root for, but you can’t reduce their personality to a single trait and judge them for it. Humans — be they magical or muggle — are so much more dynamic than their Hogwarts House.



The post Hufflepuffs Can — And Will — Save the World appeared first on FANDOM.

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Her kidney donation now could save her granddaughter’s life later

When Meghann Adams learned that she was pregnant in early 2015, she was ecstatic. Starting a family with her husband, Chris, had not been easy, but she was carrying twins. They were to be named Delly and Aubrey.


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Kim Kardashian and Kanye West’s California home escaped unscathed from the wildfires raging through the state after the stars hired a private team of firefighters to fight the blaze.

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This drone concept could save people from burning buildings

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Great 4K TVs on sale: Save on Sony, LG, VIZIO, Samsung, and more this weekend

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November’s grey skies call for cuddling up under piles of blankets and watching hours of TV. (Don’t argue — you know we’re right.) Get the most out of your hibernation by investing in a new 4K TV. Of course, we’d never expect you to pay full price for it (or anything) so here are the best deals on 4K smart TVs from top retailers like Amazon, Walmart, and Best Buy. If you’re looking to upgrade, now is your chance to save on 4K TVs from Sony, Samsung, LG, VIZIO, and more.

There are a number of deals on 4K TVs that are 40+ inches, including Samsung’s 49-inch Q6F Series 4K UHD TV, which is priced at $ 699.99, while RCA’s 43-inch Class 4K LED TV is on sale for just $ 199.99. Read more…

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GOP scrambles to save suddenly vulnerable House candidates in Trump districts

In last-minute moves, Republicans are spending money on ads in South Carolina, Georgia, Florida, Virginia and Washington state in hopes of preserving their majority.
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Clever ways to save money on traveling

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Sure, many of us have dreams of seeing the world. Who doesn’t? But we’re not made of money, and it seems as though our wings are yet to sprout; we need a way to see the world that won’t cost us a small fortune. Thankfully, there are clever ways to save money on traveling that will open up the doors of opportunity to so much more of the globe than we ever believed.

Think of the time

One of the biggest reasons vacation prices will rise is all thanks to those bundles of joy people like to drag around with them – or kids as they are usually called. If you want to go traveling but don’t want to pay a fortune for the privilege, then it’s best to avoid any kind of school break. Airlines and hotels love to ramp up the prices when they know families will be flooding abroad. Not only will you avoid any extra and unnecessary charges, but you’ll also get to enjoy a more peaceful vacation and still have the chance to soak up the beautiful weather in the out-of-season months.

Book at the right time

As well as heading abroad at the right time, it’s just as important to book your tickets when the time is right. Statistics have shown that booking your flights at the weekend could save you as much as 19% on the final fare. No one knows why, but many think it’s because travel agents are typically open in the week meaning they get plenty of business workers. These are usually the ones willing to pay the extra cost for a slice of luxury – or put it all on the company’s card instead. Either one works.

Go it alone

No, we don’t mean ditch your entire family and head of on a solo adventure. Although, that would be one way to avoid paying for the extra tickets. Using travel agents can be one way to book a vacation, but it might not always be the cheapest. Looking for your own flights through price comparison websites is one way to get the best deals on your airfare. Plus, a lot of times hotels will offer up the cheapest rooms if you call them directly or head to their website. Sometimes the extra work is all worth the effort.

Follow the locals

Of course, local residents won’t necessarily want to pay through the nose for everyday things. Watching where they all head to eat is a good start to saving money while traveling as you won’t be spending any extra tourist charges in popular restaurants. Have you thought about how you will get around once you are at your destination? Hiring a vehicle might give you a little more freedom, but public transport is usually the cheapest way to explore new lands. There could be deals on tickets, and you’ll save on any parking fees.

Don’t overdo the texts

How will anyone know if you’ve gone on vacation if you don’t flood their phone with texts and phone calls about your adventures? Although it might be tempting to call home at every opportunity, all those messages could soon add up to a whopping bill at the end. Rather than waste your money, take advantage of any free wifi dotted around and use an app to message instead. There are many free apps that mean you can send all the pictures and videos you like whenever you’re connected to the internet.

Jetting off on vacation doesn’t have to cost a bomb, and neither does enjoying your time while you’re there. Thankfully, these clever ways to save money on traveling will free up more budget for all those souvenirs, and maybe even the next adventure or two.

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The post Clever ways to save money on traveling appeared first on Worldation.

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Save The Waves Announces Global Contest, The “Dirty Wave Challenge”

SAVE THE WAVES TO HOST THE DIRTY WAVE CHALLENGE THROUGH ENDANGERED WAVES APP

Global contest to identify and clean the dirtiest surf location.

Davenport, Calif., (October 20th, 2018) – Save the Waves Coalition is proud to announce the launch of the Dirty Wave Challenge, a cash prize and a five thousand dollar stewardship fund that will be awarded to the dirtiest and trashiest surf ecosystem identified on the organization’s Endangered Waves App. The challenge opens October 20th, 2018 and closes on November 20th, 2018.

Launched in early 2018, the new smartphone App empowers surfers and beachgoers to monitor the world’s coastlines and surf ecosystems. Winner of best conservation mobile app in the HeroX competition by XPRIZE, the Endangered Waves App is available for iOS and Android devices.

The Dirty Wave Challenge is simple: capture a photo of the dirtiest and trashiest surf ecosystem, upload it to the app, and the winning photo will receive a cash prize and a day of stewardship with Save The Waves and partners to clean it up.

“There are approximately 31 million surfers worldwide, and they are the front line for our coastlines for climate change, trash, sewage, and other issues. Imagine if this entire community was mobilized to track and report coastal threats,” said Save The Waves Executive Director, Nik Strong-Cvetich.

The goal is to collect data and mobilize beachgoers and the surfing community around the key issues facing our coastlines, with this first challenge focusing on marine debris. Save The Waves Coalition plans to use the photos and data collected to better track and prioritize coastal threats, educate users, and share with coastal agencies and partners to take action worldwide.

“The Dirty Wave Challenge will help us fill the gaps in much needed coastal data and broaden our stewardship reach,” said Strong-Cvetich.

To Enter the Dirty Wave Challenge:

  1. Download the Endangered Waves Mobile App: www.savethewaves.org/mobileapp

  2. Using the App, take a picture of a surf ecosystem trashed with garbage, plastic or marine debris and use a common item for scale such as a person, a surfboard, your hand, etc.

  3. Select the Dirty Wave Challenge entry button, write a brief description, select your location, enter an email address, and submit.

  4. Share your submission on social media with the #dirtywavechallenge

  5. Each participant is only allowed 1 entry per challenge, but please have multiple photos of the issues available to validate entry.

 

The Dirty Wave Challenge is proudly supported by MJD Interactive, WSL Pure, and XPRIZE.

 

About Save The Waves Coalition

Save The Waves Coalition protects and preserves the coastal environment with a focus on the surf zone, through a unique combination of protected areas, economics, and direct action. See more at www.savethewaves.org

The post Save The Waves Announces Global Contest, The “Dirty Wave Challenge” appeared first on .

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Army officer-turned-terrorist thought attack would save mother’s soul, letters show

Newly published excerpts of jailhouse letters from U.S. Army officer-turned-terrorist Nidal Hasan show that he is almost completely without remorse for the lives he took.
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Dak Prescott’s Legs Could Save the Cowboys Offense

A look at how Prescott’s ability to scramble has added a much-needed dimension to the undermanned Dallas passing game. Plus, more analysis from all the Week 6 Sunday games, including the Sunday night classic

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Save on Your Window Replacement This Winter

Most home improvement projects, including window replacements, are started and completed during the spring or fall seasons— when the weather is more comfortable and predictable. However, a home improvement project during high season will likely impact your estimate and project timeline. During these warmer months, contractors and supplies are in high demand. Contractors are less likely to offer discounts when during peak times. To save money on your window replacement, consider scheduling your project during the cooler months.

Save Money with Seasonal Sales and Promotions

Construction slows in the winter, but contractors still have a business to operate. To entice homeowners, many contractors will offer discounts and specials to attract business during the colder months. Take advantage of these seasonal offers to save money on your project.

Simple Scheduling and Cheaper Window Materials

During high season, it can take a few weeks to meet with busy contractors and order window supplies from manufacturers. During the winter months, contractors are more flexible. Materials are also usually less expensive and take less time to ship.

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Enjoy Increased Energy Efficiency

Replacing your windows in the winter allows you to immediately see your return on your investment. See reduced energy costs on your utility bill, and enjoy a warmer home with new energy efficient windows.

Don’t Fret About Cold Weather Affecting Installation

Many homeowners are concerned that winter weather will impact caulking, adhesives, and materials. Products are made to perform under all weather conditions. Contractors are also skilled at making sure your home remains comfortable throughout the installation. Contractors will replace one window at a time to avoid significant heat and energy loss in your home.

No Snow? No Problem

While snow and wintery weather affects many locations, southern states enjoy moderate weather year-round. Homeowners in states like Florida, Texas, Arizona, and California should take advantage of seasonal discounts and pricing without much worry of ice and snow.

The post Save on Your Window Replacement This Winter appeared first on Modernize.

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Fixing the Fells: the campaign to save the paths of Scafell Pike

Lake District repair team fear funds to protect route up England’s highest mountain will fall short as crowdfunding deadline looms

At the busiest times of year, the stream of human traffic on the Brown Tongue path never ceases – not even at night.

The route used by 100,000 people every year – as the most direct way to the top of Scafell Pike, England’s highest mountain – is one of the most heavily walked paths of its type in the world. But its popularity has come at a high price.

Continue reading…
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Game of Thrones Deployed a ‘Thing That Kills Drones’ to Save You From Spoilers. What Is That?

Sounds like the Game of Thrones crew is absolutely willing to go to extreme measures to prevent season 8 spoilers.

According to Sophie Turner—who plays Sansa Stark on the HBO drama—the production team deployed “drone killers” to disable any camera drones attempting to capture footage of the show’s sets during filming for the final season.

“If a drone flies above sets, there’s a thing that can kill the drones, which is really cool,” she told Entertainment Weekly during an appearance at New York Comic-Con. “It creates a field around it and the drones just drop. It’s very X-Men.

However, these so-called “drone killers” are special electronic devices that are typically used by police to force drones to the ground in the event of an emergency, not keep fans from learning the fate of Jon Snow.

“The purpose is primarily for emergency situations,” Oceanside police Lt. Aaron Doyle told the Los Angeles Times. “It won’t be used when someone complains about a neighbor flying a drone. It’s pretty much for a life-or-death situation, to save lives.”


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Save $ 120 on 700 thread count hotel quality bed sheets, today only originally appeared on BGR.com on Sat, 6 Oct 2018 at 08:29:05 EDT. Please see our terms for use of feeds.


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