Kavanaugh tries unprecedented move to save his chance for the Supreme Court

Brett Kavanaugh looked less like a Supreme Court justice than an ordinary political candidate whose campaign is on the skids, mired in scandal as he battles to keep his hopes of high office alive.


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Four Reasons Traveling in October Can Save You Money and Enhance Your Trip


October is the quintessential month of autumn.

The seasons start to turn, and the scents of fall, from cinnamon brooms to pumpkin spice, welcome you.

Winter isn’t far off — nor are the dark and freezing mornings to come.

It’s the perfect in-between month, not only for weather, but for travel.

While everyone is preparing for the holidays, you could be having the time of your life for a fraction of the cost.

Why Travel in October

It seems like a strange month to travel with the kids back in school and the holidays just around the corner. Yet those are the exact reasons it’s one of the best months to travel.  

Shoulder Season

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Most people know that off-season travel has the best deals, but many don’t consider the perks of traveling during shoulder seasons.

Shoulder season is the period between the peak season and the off-season.

It generally means lower prices and fewer crowds.

October comes after the peak summer season, on the heels of Labor Day and ahead of the holiday season, making it ripe for travel.  

Zag when everybody zigs,” said Mark Murphy, travelpulse.com founder.

“Go to places that are just out of their main season, when the crowds are gone, and you’ll have a better experience at a hard-to-beat price.

Deals, Deals, Deals

MStudioImages/Getty Images

Prices turn in the traveler’s favor in October, just like the color of leaves.

Skyscanner determined that September and October will be the cheapest time to fly in 2018.

Which totally makes sense because October follows the post-summer slump for airlines and cruises. Less demand for tickets and tours means cheaper offers to drum up business.

Iceland’s low-cost airline, WOW Airlines, offers $ 160 or less round-trip flights to select cities in Europe during October.

The same goes for gas prices, too.

Since 1993, gas prices for all petroleum types have averaged about $ 2.16 a gallon in October, making it the fifth cheapest month in which to travel by car, according to a Penny Hoarder analysis of U.S. Department of Energy data.

Murphy says the end of summer marks the end of peak demand for travel.

“This leads to aggressive pricing, value-added offers and even two-for-one deals the world over,” he said.

Weather

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There’s hardly a place on Earth where the weather is bad in October.

It’s spring in the Southern Hemisphere and autumn in the Northern. There’s no drastic temperature extreme, making it the perfect Goldilocks in-between.

Autumn brings a wave of colorful foliage down the East Coast along with cooler mornings and nights.

It’s too early to ski, but the first snowfall of the season could come early and bring fresh powder from Killington Peak, Vermont, to the Arapahoe Basin, Colorado.

Wanna watch the northern lights dance across the sky? October is one of the best months to witness them from any arctic viewing point including Norway, Iceland and Alaska.

Just don’t expect to see them on an Alaskan cruise — most of those close up shop come October.

Meanwhile, Caribbean cruises and resorts entice brave travelers with discounted rates since it’s the tail end of hurricane season.

Murphy said the threat of bad weather means better deals for you, like the recent volcano eruptions in Hawaii.

Bad news means a great deal… Usually nothing close to how they are actually portraying it, leading to a great deal for you,” he said.

School Is in Session

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Since October is sandwiched between Labor Day and the holidays, most families stay grounded during the month.

More kids in school means smaller crowds at main attractions.

For folks without kids, October is a prime month to travel if you’re looking for quieter experiences or you just want to see The Wizarding World of Harry Potter without thousands of middle schoolers around.

It’s also prime time for couples and solo travelers to explore the world without sharing a romantic or individual experience with herds of families on spring and summer vacation.

It’s much harder to travel in October if you have children, but if you do, lines at Disney are shorter and you might be the only family on the shoreline for miles.

Murphy suggests Iceland, Europe, the Caribbean and Mexico.

If you’re looking to stay stateside, big cities like New York, San Francisco and Las Vegas offer stellar deals, while national parks like the Grand Canyon and Shenandoah see fewer crowds but have the same great views.

The 10th month also is home to pumpkins galore, apple pickin’, wine tastin’, Halloween Horror Nights, the return of the monarch butterflies in Big Sur and the Albuquerque International Balloon Fiesta.

Seriously, why are you staying in again??

The Penny Hoarder data journalist Alex Mahadevan contributed to this post.

Stephanie Bolling is a staff writer at The Penny Hoarder. October is her favorite month.

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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Aldi Instacart Delivery Is Almost Here — Save $10 on Your First 3 Orders


If the idea of spelunking through your car’s cup holders for a quarter or bagging your own groceries (gasp!) is too much for you, you may still be able to score some affordable groceries from Aldi.

After testing delivery via Instacart in Atlanta, Dallas, Los Angeles and Chicago, the company announced on Sept. 18 that it would roll out the service to all its stores across 35 states by Thanksgiving.

Aldi shoppers ordering groceries via Instacart can request delivery in as little as an hour or as far out as a week after placing their orders. Instacart delivery fees vary, but a release from Aldi said that new Instacart customers can take $ 10 off their first three Aldi orders of $ 35 or more by using the code ALDILOVE.

Instacart grocery delivery typically costs between $ 6 and $ 12 for orders above $ 35, depending on demand. You can’t use coupons when you order via Instacart, but that’s not a problem for Aldi shoppers — the store doesn’t offer coupons.

Aldi started its delivery pilot program with Instacart in August 2017. The grocery chain, which is in the midst of an ambitious expansion plan, announced last month it would offer more fresh produce options in its stores.

Lisa Rowan is a senior writer at The Penny Hoarder, covering the retail and grocery industries.

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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Save $60 on the tiny box that transforms your phone into an 80-inch home theater

Pico Projector For iPhone

Smartphone screens are bigger now than they’ve ever been before, but they’re still nowhere near big enough to be viewed comfortably by several people at the same time. That’s where pico projectors come in. There are so many miniature projectors out there that connect to your smartphone and give it a nice big screen, but many of them cost $ 300 or more. Check out the AAXA HD Pico Mini LED Projector instead. It’s on sale right now on Amazon at a $ 59 discount and it features great picture quality as well as impressive battery life.

AAXA HD Pico Mini LED Projector with 150-Minute Rechargeable Battery, 1280x720p HD Native Resol…: $ 139.99

Here are some more details from the product page:

  • 720p HD NATIVE RESOLUTION. 1080p Maximum Resolution. 20,000 Hr LEDs with Vibrant Color Technology.
  • 2.5 HOUR RECHARGEABLE BATTERY. Premium grade Lithium-ion Battery. Great for outdoor camping theater nights.
  • ONBOARD MEDIA PLAYER. Built-in Speaker. Mini HDMI / USB / AV / microSD Inputs and 3.5mm Aux Out. Play movies directly without a laptop connection.
  • TINY 2.3″ CUBE DESIGN. Weighs only 6 ounces – The HD Pico is pocket size but huge on performance. Your best travel and business trip companion.
  • NOTE: This projector is designed to be used in dark areas only. Max projection image size: 80”. Easily charges via the supplied USB cable but a special 5V 2.5A power adapter is required for continuous operation.

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Save $ 60 on the tiny box that transforms your phone into an 80-inch home theater originally appeared on BGR.com on Thu, 13 Sep 2018 at 21:01:07 EDT. Please see our terms for use of feeds.


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Unconventional ways to save money while traveling

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When you’re at home, you most likely know how to save money by shopping at the cheapest stores and which attractions are free.  So there’s no reason not to use this knowledge on holiday too.  The internet can be very useful in finding out where the best places to go are for saving money. Upon arriving you can also befriend locals and ask them for tips. This is not only a great way to save money, but it also gives you a more comprehensive understanding of the culture in the city you’re visiting. The smaller less-known restaurants and attractions that are off-the-beat-and-track are often the best both for your experience and wallet.

Travel Points

Most of your travel budget goes towards accommodation and transportation, so if you want to save money, you’ll have to find ways to get cheaper hotels and flights. And that’s where travel hacking comes in.  Hotel points and air miles are the way to go, as they can get you either free or discounted prices. For all the money you’ve already spent, you might as well get something back for it.It’s a simple and smart way to save money and allows you to travel like royalty without having to search for the cheapest flights and hotels.

Find cheap transportation

While traveling abroad, there are many ways to save money on transport. However, it all depends on what you’ve got in mind for your trip.  Perhaps booking a train ticket ahead of time is your best bet, or maybe getting a monthly rail pass will save you the most money. You have to do your research and figure out what makes the most sense.  Mainly in Europe, first-class train tickets are much more expensive than the regular cabin and are not all that different or more comfortable. Traveling by bus if you are not rushing will save you even more money. And if you are traveling with a group, sometimes renting a car and splitting the costs is the most efficient way to go, which also has an added element of comfort and freedom.

Choose your destination wisely

If you’re tight on money then you will need to consider your next travel destination very wisely.  Just because you’ve been wanting to go to a specific place, it doesn’t mean that other cheaper options are not worth seeing too. Do your research and find out what will offer you the best deal as well as an unforgettable experience.  Often the average popular tourist spots are very commercial and crowded anyway.

Work while traveling

Working while traveling is a great way to both save money and make money while you’re abroad. It makes the most sense for someone who is traveling for a long period of time and has more time to spend abroad. If you are traveling for just a week, this is not an ideal situation. But many solo travelers go away for months at a time, and if this is you, then working at a hotel or hostel for example can provide you with a free place to stay as well as extra cash to enjoy the your holiday during your time off, especially since this type of work is in shifts. Working at a restaurant as well will give you some free meals. And if you have a specific niche, such as singing then try performing at a bar. If you’re talented at yoga, offer some classes.

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

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10 Tips to Save Money on Subscription Services

Save Money on Subscription ServicesWe recently rounded up several good ways to cut the cord and say goodbye to your cable company forever, and today we thought we’d take a deeper dive by sharing 10 tips to save money on subscription services of all sorts — both the ones you already have and the ones you might be considering cutting.ways to save money on subscription services Readers, we’d love to hear from you — how often do you reassess subscription services? What are your best tips for ways to save money on subscription services? 

First, take stock of the current situation. Take a moment to write down all your current subscriptions, from your gym to Hulu to Hello Fresh — including the ones (like, say, Netflix) that you know you won’t be canceling, and the ones you’ve been meaning to get rid of and keep forgetting about. Check your last month or so of credit card transactions to catch any that you might be forgetting. (Don’t forget to check your Paypal account, and scrutinize charges from regular credit card line items like Amazon and iTunes to make sure you’re not unwittingly subscribing to services.)  Are there yearly subscriptions or paid memberships you’re forgetting about? What is your monthly total for the subscriptions you’ve signed up for, and are there any you’re not even using, or barely using?

If you find yourself unpleasantly surprised (or even shocked) by your list, you can tackle the problem by using these 10 tips to save money on subscription services, now and in the future:

1. If you sign up for free trials for any services, don’t forget why they want your credit card number. As soon as you start a free trial, always immediately mark your calendar with the last possible day to cancel and set up a reminder to alert you a few days ahead of time. That way, you’ll avoid an “Oops, that was a 7-day trial and not a 30-day trial?” situation. After I recently signed up for a free 30-day trial for Showtime through Amazon’s Prime Video Channels, I somehow didn’t cancel after the first month as planned, then ended up paying for one or two months’ worth [affiliate link].

2. Find out if there’s a family plan. Subscription services don’t always go out of their way to publicize the opportunities to share content and benefits with one or more people in your household. Amazon Household allows you to share certain Prime benefits with someone else, for example, and with Family Library, you can also share ebooks, audiobooks, apps, and games [affiliate links]. (Either or both of you can choose not to share your content if you prefer.) Using music streaming services for another example, Spotify Family costs $ 14.99/month and gives you Premium accounts for you and up to five people in your home (don’t worry, you can keep all your playlists), and for the same price, you can sign up for a family plan with Apple Music or Google Music, as well as share access to apps and music with Apple Family Sharing.

3. Look for cheaper and/or better options first — or even free ones. Some services you may not know about are CBS All Access, Mubi, Tubi TVPlutoTVScribd, the brand-new Walmart eBooks, and Stitcher Premium. Lifehacker has a list of both free and affordable streaming services (all 100% legal). If you’ve never heard of a particular subscription, you may want to google for reviews before committing. Don’t forget about your local library, either — see below!

4. Don’t forget about the library! So many people seem to forget how much money you can save by using the library. (And libraries are just great places anyway!) I borrow books regularly, and we borrow movies on Blu-ray when we can’t find them on streaming. (The DVD bonus features are a … bonus.) I have to say that borrowing ebooks has always seemed more complicated than it should be, however (YMMV). After being turned off by the seemingly complicated process before, I finally tried it recently. After waiting a week or two for my turn (which is another aspect that bugs me — having to wait to borrow non-physical books), I realized I accidentally borrowed … the audiobook version. Sigh. (Kat’s ed. note: I love using the library for Kindle books, movies, audio books and more!)

5. Try to find out about any discounts that come with membership. Besides searching for any discount codes, find out if the professional organizations and other groups you belong to offer reduced rates on subscriptions/memberships, either career-related or not. For example, because I’m a member of the Society of Professional Journalists, I can get discounts on things like LifeLock Identity Protection (umm, remember this, though?), a subscription to AP Stylebook Online, LexisNexis access, and more. Check your alumni association’s membership benefits, too — and even AAA. (Psst: here’s our last discussion on how to find and join great professional organizations!)

6. If you have cable, check out all the potential substitutesI’ve been happily cable-free for a decade, and Kat recently ditched her cable company, too. In our recent post on cutting the cord, we shared many good options. Still, the world of streaming isn’t a panacea; as more companies launch their own services (like Disney’s upcoming offering, rumored to be called “Disney Play”) and remove their content from other streaming services, the “a la carte” cable alternative that we’ve been demanding for years might turn into a “Be careful for what you wish for” situation. If you sign up for enough streaming services, you may find yourself paying even more than you were before.

7. Remind yourself that you don’t need to have every subscription at once. Some people rotate streaming subscriptions, for example; they’ll have Netflix for a while, then Hulu, etc. (Did you know Hulu lets you put your subscription on hold?)

8. If you have Amazon Prime, get familiar with all its benefits, not just the well-known ones. If you have Spotify, for example, check out Amazon Music, which lets you stream two million songs. (The unlimited plan, which for Prime members is discounted to $ 7.99/month or $ 79/year, has “tens of millions” of songs.) If you’re paying $ 9.99/month for Kindle Unlimited, which includes one million books, plus magazines, look at Prime Reading, which lets you download up to 10 titles at a time from 1,000+ books and magazines. I recently signed up for online access to The Washington Post through Amazon Prime for $ 3.99/month (starting with a six-month free trial) — vs. the newspaper’s own rate, which is $ 10 every 4 weeks. Audible Channels, which are free for Prime members (normally $ 60/year), offer commercial-free podcasts and audiobooks, while Prime Photos gives you unlimited photo storage. I recently wrote about the new service Prime Wardrobe — I like the idea, and I’ve used it twice, but readers had mixed reactions. [affiliate links]

9. Figure out if a warehouse club membership is really worth it. If you’re considering joining BJ’s, Costco, or Sam’s Club, this article from Money Crashers (although it’s a few years old) has a thorough list of pros and cons to consider. To help you decide, you can use a one-day guest pass from Sam’s Club or BJ’s. (If you actually buy anything, Sam’s Club charges a 10% service fee. BJ’s charges 20%, but if you join within seven days, that goes toward a membership.) For Costco, which doesn’t offer day passes, you can visit with another member (but not buy anything yourself). Here are a few other helpful articles: Costco vs. Sam’s: A warehouse club showdown (Costco won), The Best and Worst Things You Can Buy at Wholesale Clubs, 18 costly mistakes to avoid making at Sam’s Club or Costco.

10. Look into the apps Truebill and Trim. They sound pretty promising! The writer of this Money article, which explains how they work, says that Truebill, “an app that promises to help users track spending, identify subscriptions they’ve forgotten about, and cancel unwanted ones,” saved her $ 276, while the writer of this Lifehacker article shares that she prefers Trim for “finding all of your active subscriptions and doing the legwork of cancelling those that you no longer need.”

What are your favorite ways to save money on subscription services? Which are your must-have subscription services that you would never cancel? Have you decided to part with any for budget reasons? Which services have you decided to pay for after the free trial ended (and which didn’t seem worth it)? If you have Amazon Prime, do you use a lot of its perks or mostly have it for Prime Shipping?

Stock photo credit: Deposit Photos / Mactrunk

 Do you keep a handle on how much money you're paying for subscription and membership services? You'd be surprised how quickly those costs add up! We rounded up 10 tips for saving money on subscription services, whether it's the gym, a professional membership organization, Netflix, Hulu, or more:

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Will Solar Panels Really Save You Money? Here’s What You Need to Know


Carol Marks’ monthly electric bill was between $ 250 and $ 300 before she had solar panels installed on her home.

Her first bill afterward, in June — one of the hotter months in her home state of Florida — was $ 45.

“Living in the Sunshine State and the Sunshine City, it seemed like a natural thing to do,” says Marks, co-chairwoman of the sustainability action team of the League of Women Voters of the St. Petersburg Area. “Why not use power that’s available to us that comes from the sun?”

For Marks, the decision to go solar was relatively easy, but how do you decide whether the change makes sense for you?

“Generally, it’s good for consumers and the environment, but everybody’s situation is different,” says Susan Grant, director of consumer protection and privacy at the Consumer Federation of America, an association of nonprofit consumer groups. “It depends on where they live, the design of the home, the installation cost and expected savings.”

How to Save Money Going Solar

Workers install solar panels on the roof of a house.
Technicians from Solar Source install solar panels on a house in Dunedin, Florida. Chris Zuppa/The Penny Hoarder

One of the biggest advantages of installing residential solar panels is a 30% federal tax credit on the total cost of a system. That means homeowners — but not renters — can subtract the credit from the federal income taxes they owe, in effect reducing the price of their solar purchase by nearly one-third.

Congress authorized the credit through 2019, but it will decline to 26% in 2020 and 22% in 2021 and then disappear. The credit could save the average homeowner $ 5,000 or more (depending on the size of the system), according to EnergySage, a solar marketplace with a calculator to help estimate savings.

It may seem obvious, but access to sunlight is important. If your roof is deeply shaded by trees, mountains or buildings, solar panels won’t work well. Unsurprisingly, California leads the nation in residential solar capacity, but some of the others in the top 10 may surprise you.

It’s important to have a basic idea of how the panels work as well. Also known as photovoltaic panels, they are mounted on the roof of a house and use sunlight to produce electricity. An important part of any solar system is a box called an inverter, which often is installed in the garage and converts electricity produced by the panels (DC) into the kind that’s required to operate home appliances (AC).

At times, the panels will produce more electricity than is needed to power a home. The extra electricity can be sold back to the power company in an arrangement called net metering. It’s done through a two-way meter installed by the electric company, and it can keep your electric bill low. Duke Energy, which operates in six states, charges a $ 100 interconnection fee that includes the meter, company spokesman Randy Wheeless says. The fee can run as high as $ 300 and often is handled by the installer, who includes it in the total job price, says Emma  Rodvien, an operations director for Solar United Neighbors, a co-op that operates in eight states and the District of Columbia.

Do Your Homework

A worker installs electrical equipment for a solar panel installation.
Technician Curtis Cube installs an inverter for a solar system at a house in Dunedin, Florida.  The inverter converts direct current from the solar panels into alternating current for use in the house. Chris Zuppa/The Penny Hoarder

You wouldn’t buy a car without checking out the features, comparing models and knowing the price, would you? Well, much more so with solar panels — which are likely to remain on your roof for at least 25 years.

“It is something that people really need to do their homework on before they decide to invite any company to make a sales pitch, and certainly before they sign up with anybody,” Grant says. “It’s a big commitment.”

Wendy Barsell, executive director of the Florida Solar Energy Industries Association, a trade group, agrees. Her advice applies to consumers in all states.

  1. Ask homeowners who have bought the panels how well they are working. What are the benefits and drawbacks? How long did the installation take? Did the installer do a good job? Was the power company easy to work with? How much money are they saving?
  2. Get referrals from neighbors, coworkers and friends. Search the company on online review sites; some consumers have complained about confusing contracts, misleading sales pitches and poor installation. The North American Board of Certified Energy Practitioners has a list of certified installers, and state groups such as the Florida Solar Energy Industries Association maintain their own lists of preferred companies. You should also check with your state to make sure the contractor is licensed to perform solar installations. Licensed contractors generally must carry insurance, but homeowners should verify that they do.
  3. Get several estimates, ask plenty of questions and don’t be pressured to make a snap decision. We’re talking about an expense that runs an average of $ 18,840 for a 6 kW system and $ 31,400 for a 10 kW system, according to EnergySage.  “Get proposals from different companies that may have different ideologies, methods, product brands and information on how to make a decision,” Barsell says.
  4. Learn what you need. Systems are sized based on your consumption, the size of the sunny space on your roof and how much you can afford, according to Solar United Neighbors. The bigger the system, the more energy it produces (and the more expensive it is).
  5. Don’t sign a contract unless you understand everything, including your expected return on investment and break-even point. If your electric rates are high, you’ll pay off the cost a lot sooner, according to the Solar Energy Industries Association.
  6. Decide how you’re going to pay for the system — purchase, lease or what’s known as a solar power purchase agreement, in which the consumer buys the power but doesn’t own the system. Consumer Reports advises anyone who can afford it to pay upfront. That eliminates finance charges and allows you to take full advantage of the federal tax credit. Consider bids from smaller installers as well as larger ones, who may be more expensive, a recent government study showed.
  7. If you need to take out a loan, shop at credit unions and banks — some offer dedicated solar-energy loans — before committing to a loan offered through your solar installer. Additional options include a clean-energy mortgage through Fannie Mae. Property Assessment and Clean Energy (PACE) lending programs also are available in more than 20 states. But the Mortgage Bankers Association, among other groups, warn consumers they could lose their homes if they default on payments. “There’s a lot of issues to consider,” Grant says. “That’s why states are enacting disclosure laws that must be given to the consumer. Solar is a good thing, but it’s complex and people really need to understand what they’re getting into.”
  8. Explore whether your state offers its own tax incentives. Rebates, low-interest loans and grants may also be available.
  9. How old is your roof? Solar panels have an expected life span of about 25 years. If your roof is aging or damaged, you may be better off replacing it before you install the panels.
  10. How long do you plan to stay in your home? Although some surveys show that solar panels increase the value of a house, you won’t know until you sell. That’s why some experts say it’s safest to stay put until the panels pay for themselves.
  11. Understand your warranty. Most high-quality panels and system components called power optimizers are warrantied for 25 years, says Garrett Savadel, system designer at Brilliant Harvest, a Sarasota, Florida, solar installation company. Inverters have a warranty of about 12 years (but as little as five years in some cases), although that can be extended to 25 years for an additional fee, he says. A good inverter costs between $ 2,000 and $ 7,000 installed, depending on size — $ 1,000 to $ 2,000 for the parts alone.
  12. Ask about maintenance. Some companies say the panels must be washed regularly and offer that service for a price. But Savadel says rain usually washes off bird droppings and other routine dirt. Periodic professional cleaning may be necessary in states such as Arizona, New Mexico and California because they are so dry and dusty, he says.
  13. Make sure your homeowners insurance company will insure solar panels. Not all do.

What if the Power Goes Out?

A worker who is helping to install solar panels on a house roof wears a tethering strap.
Solar Source technician Jason Breaux is tethered to the roof of a house in Dunedin, Florida, during a solar panel installation. Chris Zuppa/The Penny Hoarder

You might think that owning a solar system would ensure 24/7 access to electric power even when the grid goes down from hurricanes or other disasters or accidents. But that’s not the case. In those events, you have to rely on a generator or buy a battery backup for your solar system.

And while the cost of solar panels has dropped more than 70% since 2010, according to the Solar Energy Industries Association, batteries can cost as much as $ 10,000 to $ 15,000, including installation, according to Solar United Neighbors. “Adding battery storage to a solar array can increase costs so much that the savings seen on utility bills are negligible,” the group’s website warns.

For those who want the peace of mind and can afford the cost, batteries may be a viable option. They work like this: When the sun is shining, your panels produce electricity that you direct to the battery, where it’s stored until you need it. Unlike a generator, no fuel is needed.

Marks, the Florida retiree, opted for a battery. She and her husband also own an electric car. For them, going green is at least as important as saving money.

“We’re going to keep trying to reduce that carbon footprint and power ourselves,” she says.

Susan Jacobson is an editor at The Penny Hoarder.

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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Save The Waves Film Festival Launches 10th Annual Tour + Official Trailer

SANTA CRUZ, CA (July 30, 2018)  – This summer Save The Waves is excited to kickoff its 10th anniversary tour of the Save The Waves Film Festival, presented by UGG, with international premier screenings in Manchester, UK, the World Surfing Reserve of Ericeira, Portugal, and Rapa Nui.

 

Founded in 2008 with a single screening in San Francisco, the Save The Waves Film Festival (STWFF) was established as a storytelling platform to inspire audiences to protect our coastlines and the surf ecosystems. STWFF has grown steadily from a bi-coastal US tour in California and New York, to become the only internationally-touring environmental surf film festival in the world.

 

This year we received submissions from 18 countries from Australia to Iran and Morocco to Madagascar, and have our most eclectic and impactful film program to date. The Film Festival creates an educating and entertaining program with an international panel of professional filmmakers, photographers, activists and athletes. Veteran selection committee members such as Chris Burkard and Leah Dawson were joined by new additions such as activist diver “Shark Girl” Madison Stewart, Icelandic adventure photographer Elli Thor Magnusson, and big-wave champion Greg Long.

 

“We are stoked and humbled to be working with such talented folks to craft our 10-year anniversary program,” said Trey Highton, STWFF Film Festival Director.

 

This year’s feature films include Never Town, directed by Andrew Buckley, featuring Dave Rastavich, Wayne Lynch and Belinda Baggs exploring the rugged southern coasts of Australia. Also included in the 2018 program, is Nate Dappen’s The Passage, about the epic family tale of a homemade canoe trek from Washington to Alaska, and explores the themes of growing up, growing old, and the wild places that define us. Selected short films span the content spectrum, including important Oceanic indigenous voices from Hawaii in Pohaku and the Solomon Islands in The Message is in the Song; beautiful underwater cinematography from one of the masters of the genre Morgan Maassen; and important environmental work in Blue Ventures, The Turtle Ninja, and The Dolphin Board of Awesome.

 

To celebrate a decade of sharing the world’s best environmental surf films, STWFF will be hosting unique two-day events, featuring beach clean-ups, surfboard demos, workshops, art shows, and community roundtables on local environmental issues.

 

The first of these activations will be August 4th-5th in Rapa Nui, hosted by filmmaker Rodrigo Farias Moreno, big-wave surf legend and STW ambassador Ramon Navarro, and local surf activist Tavake Pacomio. The second will be held in Oceanside, CA at the Oceanside Museum of Art and the historic Star Theater on August 10th-11th, and feature an art show auction curated by Brooks Sterling, live music from Taken By Canadians, as well as special appearances from featured filmmakers.

 

Save The Waves will be adding stops to the tour calendar on a rolling basis, so stay tuned to the STW newsletter and film festival website. Find more details on the international tour, film program and how to get tickets at www.savethewaves.org/filmfest

The post Save The Waves Film Festival Launches 10th Annual Tour + Official Trailer appeared first on .

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Greek Father Saved His Baby But Couldn’t Save His Wife | NBC News

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What’s At Stake in the Fight to Save SCOTUS and Voting Rights in America

As Supreme Court nominee Brett Kavanaugh continues to make rounds of congressional courtesy calls seeking support, civil rights groups have been turning up the heat to push the U.S. Senate to either “press pause on the nomination” or reject President Trump’s pick outright. To achieve that end, representatives from such organizations—The Leadership Conference on Civil and Human Rights, National Urban League, NAACP Legal Defense Fund, National Council of Asian Pacific Americans and Mexican American Legal Defense and Educational Fund (MALDEF)—are rallying their multicultural constituencies to speak out. Under the banner, “#WhatsAtStake for Voting Rights in SCOTUS Fight,” this collective held a press briefing Monday to strongly communicate how Kavanaugh’s addition to the conservative-leaning high court would further undermine the franchise of people of color.

With midterms less than five months away and the 2020 presidential election in the wings, the civil rights leaders asserted that the stakes couldn’t be higher. “We consider his nomination an immediate threat to our community’s right to vote that is already under daring attacks,” says Suzanne Bergeron, senior director of civil rights and workforce policy for NUL, one of several organizations urging voters to call their senators in an effort to halt the confirmation process. “Having Brett Kavanaugh on the Supreme Court to rule on voter rights cases could leave African-American voters even more vulnerable to voter intimidation and added suppressive tactics that negatively impact black voter turnout.”

The rapidly changing voter demographics have added intensity to this battle. “I will remind that the U.S. electorate is diversifying racially and ethnically at warp speed. Last year was the country’s most racially and ethnically diverse electorate ever, with nearly one in three eligible voters on election day being a person of color,” says Janai Nelson, associate director-counsel of the NAACP Legal Defense Fund. “And the 2018 and 2020 elections promise to continue this trend with voters of colors comprising 44% of millennial voters, which is the largest generation of eligible voters.”

Vanita Gupta, president and CEO of the Leadership Conference, which organized the call, argued that the Senate “must demand the release and full review of Kavanaugh’s records.” Declaring that “if confirmed, Kavanaugh would undermine voting rights enforcement in our nation,” she cited one of the decisions he made in his role as a judge of the D.C. Court of Appeals. In 2011, he wrote an opinion upholding South Carolina’s voter ID law that the Department of Justice had blocked, deeming the measure as being discriminatory to minorities in violation of the Voting Rights Act of 1965.

“He refused to include language put forward by the other judges on the panel that acknowledged the critical role of the Voting Rights Act in preventing racial discrimination in voting,” she said. “It is telling and troubling that Kavanaugh refused to recognize the importance of the historic Voting Rights Act. Kavanaugh backed the spurious claim that the voter ID law would prevent voter fraud. But given that South Carolina could not produce any evidence of fraud, it’s clear the law’s real purpose was to suppress voting, plain and simple. What we know so far about Kavanaugh’s record is that he has been a partisan, politician operative. So we need to know more.”

Gupta, along with the group, also raised concerns about the nominee based on the track record of Trump’s previous Supreme Court appointment Justice Neil Gorsuch, who served as “the fifth and deciding vote in two devastating anti-voting rights decisions. One decision allowed voter purging in Ohio and the other upheld racial gerrymandering in Texas.”

Even before the Trump administration came to power, the Supreme Court tilted right in such cases. With the 5-4 decision in Shelby v. Holder in 2013, the court struck down a key provision of the Voting Rights Act that stripped the law’s formula to require all or jurisdictions of states with a history of electoral discrimination—many of them located in the South—to get “pre-cleared” by the federal government before making any adjustments to voting laws.

“It is quite clear that we are at a critical point in time in our history of defense of civil rights. For the last five years, because of Congress’ failure to act following the decision in Shelby County by the Supreme Court…we are evaluating proposals to change voting rights laws in important regions across the country,” Thomas Saenz, president and general counsel of MALDEF, said. “Without pre-clearance, we are left with federal court as the last resort to ensure that our laws reflect the constitutional rights of every individual who is eligible to vote.”

Nelson agrees: “Voting rights protect every other right we enjoy and it is essential that the next Supreme Court justice has a clear commitment to protecting access to the ballot box.”

The post What’s At Stake in the Fight to Save SCOTUS and Voting Rights in America appeared first on Black Enterprise.

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California could change law to help utilities offset wildfire risk and save billions of dollars

California lawmakers are looking at legislation that would provide liability relief for utilities in the state that face billions of dollars in risk from wildfires.  
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11 Clarifying Shampoos to Save Your Strands After Swimming

While we’re big fans of those beachy waves that come from taking a dip in the ocean, the effect pools have on our hair is another story. Pools can cause hair to feel dry and brittle and sometimes even turn it green. That’s why clarifying shampoos are so important.

Clarifying shampoos are a year-round necessity if you’re a product junkie. But summer brings special concerns from all the time we spend in the water. If you’ve got blond locks, your biggest seasonal hurdle is trying to prevent that dreaded green tinge after swimming in chlorinated water. News flash: Chlorine is not the real culprit. It’s actually copper in the water that’s oxidized by chlorine that gives the less-than-desirable tint.

How often you treat your hair to clarifying shampoo depends on the nature of your strands. It’s best to stick to using one once or twice a week, but be careful if your locks are colored. Clarifying shampoos are great for prepping your hair before getting it colored, but they can wreak havoc on that new shade since they’ve been known to strip color.

If you’re planning to spend the rest of the summer underwater, you’ll need some good waterproof makeup and one of these clarifying shampoos that are real lifesavers for your strands.

[ Next: Yes, You Really Do Need to Wear Hair Sunscreen Every Day ]

The post 11 Clarifying Shampoos to Save Your Strands After Swimming appeared first on theFashionSpot.

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Anatomy of a 97,000% drug price hike: One family’s fight to save their son


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Here’s one easy way to save big money on your cable bill

While it’s true that more and more people are opting for streaming TV these days, one question money expert Clark Howard still gets a lot is, “How can I keep cable but save money?”

Here’s how to save money on your cable bill

An easy way to keep your cable but save on your monthly bill is to eliminate your modem fee. Many cable companies charge a monthly fee for using the cable modem that allows you to connect to the internet and watch television. Take a gander at your cable bill and see if you can find this fee or “surcharge.”

Most cable companies charge between $ 6 to $ 10 per month for a cable modem. That means you’re paying up to $ 120 a year — and that fee never goes away. It’s just a perennial charge that the companies collect as long as you’re a customer.

So not only are you paying for the actual content you’re consuming, but the cable company is basically charging you a rental fee for that rectangular box. The great thing is, you can buy one yourself and cut out the middleman altogether.

For example, a Netgear N450 WiFi Docsis 3.0 Cable Modem Router gives you internet access and the capability to get all the channels you subscribe to. It currently costs $ 69.86 on Amazon.

That means for a one-time charge, you can save as much as $ 50 in the first 12 months and be done with that fee forever.

Before you buy, make sure that the modem you choose works with your cable provider. The Netgear modem’s product description says it’s “compatible with Xfinity from Comcast, Spectrum, Cox, & more.”

Photo credit: Amazon.com

No matter which cable modem you choose, make sure it has Wi-Fi. Otherwise, you’ll have to buy a separate router.

More Clark.com stories you may like: 

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Will I save money by buying an all-in-one car seat?

by

Joyce Slaton

posted in Products

Blame the Graco 4Ever: though all-in-one car seats have been on the market for years, the 4Ever was the all-in-one breakthrough. It won 2018’s Best Convertible Car Seat award in the 2018 Mom’s Picks, and it’s one of the most popular car seats out there.

Parents love the idea of buying one seat that takes their child safely from infancy through the booster seat years. But they also tend to think that buying just one seat will save money too. And that’s not necessarily true.

Graco 4Ever, $ 299.99
Graco Size4Me 65, $ 122.09
Graco Highback TurboBooster, $ 59.66

So you see that you actually pay more than $ 100 more for the 4Ever. It may be worth it to you — and the 4Ever is sometimes available on sale for as little as $ 220 — but know that you’re not automatically saving money by buying one seat.

The same is true of some other all-in-one seats — but not all.

The Evenflo SafeMax Platinum All-in-One pictured above goes for $ 279.99 (though it can frequently be found on sale for less). But if you wanted to go the non all-in-one route, the Evenflo SureRide DLX is a bargain fave for $ 89.99, and the Evenflo Amp is a popular highbacked booster for $ 32.99.

The total? $ 122.98, or $ 157.01 less than the SafeMax alone.

The Evenflo Amp
However, all-in-one seats aren’t always more expensive than buying a convertible and then a booster seat. Safety 1st’s Grow and Go is a well-reviewed bargain all-in-one seat that retails for $ 199, though we found it for $ 189.99, and it can be had for as little as $ 129 or even less on sale (here it is for $ 127.99, for instance.)

Safety 1st Grow-and-Go
Meanwhile, Safety 1st’s popular bargain seat the Guide 65 goes for $ 80.84, while the brand’s most popular booster, the Safety 1st Store ‘n Go is $ 58.06. The grand total? $ 138.90, or a little more than $ 10 more than the on-sale Grow and Go.

Comparison shopping is such a drag. But so is wasting money. Careful shoppers: good luck out there.

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Back from the brink of suicide, they want to save others

They are survivors from all walks of life. The deaths of Kate Spade and Anthony Bourdain shook them. They are now speaking up to save more lives. “People have been through unimaginable things in their life and have come out the other side.”


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Sherlock Star Benedict Cumberbatch Fights Off 4 Attackers to Save Civilian

Perhaps Sherlock star Benedict Cumberbatch should consider moonlighting as a superhero. He sure seemed to fit the bill this weekend when he saved a food delivery cyclist in London from four vicious muggers.

More: Benedict Cumberbatch Just Turned a Nursery Rhyme Into Art

Per U.K. paper The Sun, the actor spotted the attack from his Uber car and didn’t hesitate to help. He jumped out of the car and ran toward the ruckus, shouting, “Leave him alone!” Witnesses say that when the attackers failed to back off, Cumberbatch pulled them off the cyclist and fought them until they finally ran away.

Cumberbatch’s Uber driver, Manuel Dias, confirmed the heroic story to The Sun.

“I was taking Benedict and his wife to a club — but I didn’t know it was him at first,” Dias recounted. “I went to turn down into Marylebone High Street and we saw four guys were pushing around a Deliveroo cyclist. My passenger jumped out, ran over and pulled the men away. They turned towards him and things looked like getting worse, so I joined in.”

More: 5 Things to Know About Benedict Cumberbatch’s Miniseries Patrick Melrose

It was in the middle of the melee that Dias recognized Cumberbatch. “Then it all got a bit surreal. Here was Sherlock Holmes fighting off four attackers just round the corner from Baker Street,” Dias said, pointing out the proximity of the attack to the fictional Sherlock Holmes’ home at 221 B Baker Street.

Although he clearly contributed as well, the driver insisted that “the cyclist was lucky, Benedict’s a superhero.” He also noted that Cumberbatch was very brave and “did most of it, to be honest.”

If that doesn’t fill you with hope for humanity, Cumberbatch’s interaction with the rescued rider surely will. Said Dias, “He asked the rider how he was and when he said, ‘I’m OK,’ Benedict just hugged him.'”

More: 22 Things You Don’t Understand About the Benedict Cumberbatch Obsession

Deliveroo, the food delivery service the cyclist works for, responded via a spokesperson, thanking Cumberbatch for his heroic actions.

Benedict Cumberbatch Hero 1

Benedict Cumberbatch Hero 1

From onscreen Avenger to real-life superhero? If ever there was a day to be proud to call ourselves Cumberbunnies, today is that day. Well, let’s be real, we always are — but especially today.

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French citizenship, a job offered to man who scaled building to save child

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Save The Waves Announces 2018 Wave Saver Of The Year Awards

Santa Cruz, CA (May 17, 2018) As part of the annual Life Is A Wave event, Save The Waves Coalition is excited to announce this year’s Wave Saver awardees, presented by Peak Design.

Honoring an outstanding athlete, environmentalist and business for their unique and noteworthy contributions to protecting our waves and coastlines, this year’s winners are Cliff Kapono, Pro Surfer, Filmmaker and Scientist, ‘Aulani Wilhelm, Senior Vice President of Conservation International’s Center for Oceans, and Tom Stewart Co-founder of Sunski.

ATHLETE OF THE YEAR – CLIFF KAPONO

liaw_cliffkapono the surf channel

Born in Hawaii, Cliff Kapono splits his time among his many passions: professional surfing, science and research, and independent filmmaking. He is currently on a path to obtain a PhD in chemistry from the University of California San Diego, and has produced several publications related to the fields of molecular bioscience. He has also written, produced and directed a handful award-winning films (including several that screened at STWFF stops) which have included a wide variety of topics such as indigenous activism, ocean conservation, and global food health. His current venture, “The Surfer Biome Project”, explores and examines chemicals and bacteria commonly found on surfers in different parts of the world. Most recently he launched the “Pro-Test” with Sustainable Coastlines Hawaii to get sustainable surfboards under the feet of professionals and into the mainstream of the surf industry.

ENVIRONMENTALIST OF THE YEAR – ‘AULANI WILHELM

liaw_aulaniwilhelm-768x768 the surf channel

As the Senior Vice President of Conservation International’s Center for Oceans, ‘Aulani Wilhelm has more than 20 years of experience in ocean conservation. She led the designation of the Papahānaumokuākea Marine National Monument and World Heritage site, the largest marine conservation area in the world and the first of its kind to recognize indigenous relationships to the sea. She is the founder of Island Water, a not for profit organization dedicated to providing clean water and reducing plastic pollution on islands, and Big Ocean, a global network of large-scale marine managed areas. In addition, ‘Aulani is crewmember of the Hokulea and the Polynesian Voyaging Society, and, as a Native Hawaiian, has a deep connection with the people, ecosystems, and traditions of the Pacific.

BUSINESS OF THE YEAR – TOM STEWART, SUNSKIS

liaw_tomstewart-768x768 thesurfchannel

Based in San Francisco, Sunski is an independent sunglasses brand who have undertaken the responsibility to make the world a better place – one shade at a time. As lifetime members of 1% for the Planet, Sunski has donated over $ 100K to environmental non-profits. In May 2018, Sunski launches its first ever collection of frames made entirely of recycled plastic. This material was developed entirely in-house, but still has all the same features as their original, iconic sunglasses. This exciting recycled technology will be complemented by other supply chain improvements over the coming years that further reduce Sunski’s environmental impact.

The Wave Savers will be honored at Save The Waves’ annual benefit in San Francisco, CA on June 21st.

Previous recipients of this award of include Greg Long, Mark Price, Bureo, Ramon Navarro, Sachi Cunningham, Dr. Wallace J. Nichols, Dr. Charles Lester, and Anna Cummins and Dr. Marcus Eriksen of 5 Gyres Institute.

In addition to recognizing our 2018 Wave Savers, the Life Is A Wave will feature a live and silent auction, with live music by Bay Area favorite, Sal’s Greenhouse. All funds raised directly support Save The Waves’ global environmental programs. Learn more and find tickets for Life Is A Wave here.

The post Save The Waves Announces 2018 Wave Saver Of The Year Awards appeared first on .

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How women over 40 can save the human race

Women are having fewer babies than ever before — except, surprisingly, those in their 40s. The number of births in the US last year to women of any age was roughly 3.8 million, down 2 percent from 2016, and a record low, according to the Centers for Disease Control’s latest birth statistics released Thursday. “At…
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6 ways to save money on your Memorial Day roadtrip

As millions of Americans prepare to hit the road for Memorial Day weekend, some extra savings could make the trip even sweeter. As you fill up your tank with fuel and grab your map (yes, you should still have a map), you’re going to want to make your trip as cost-effective as possible.

AAA says more than 42 million Americans will kick off the summer travel season by getting away for Memorial Day. The projection constitutes a 5% increase over last year and the most in a dozen years.

Before you go to the ATM and drain your bank account for travel expenses, there are several ways to trim your budget.

Here are 6 ways to save money while road-tripping

If you plan on hitting the road for the holiday, here are some tips on saving money along the way:

  • Rent a vehicle: You may be tempted to drive your vehicle on the long journey, but money expert Clark Howard says you’ll end up saving more money in the long haul if you rent a car.  “If you shop and find a good deal on a rental car, you put those trip miles and the depreciation that goes with it on that rental car instead of your own,” he says.
  • Pack a lunch: If you’re going for the long haul on a one-day trip (no more than 10 hours on the road, OK?) it’s a good idea to pack a few snacks. Nothing too complicated and messy (no barbecue ribs and no ginormous tacos that spill into your lap), so as not to distract your driving. This will not only save you and your family some pretty nice cash, it will also save you time.
  • Download some restaurant apps: If you choose not to pack your own food, you likely will opt to pull over and grab a burger or something similar from a fast-food chain. There’s nothing wrong with that – but why not save money doing it? The BK mobile app has several coupons, including a buy-one-Whopper-get-one-free deal. The McDonald’s app has weekly deals, including a free McCafe with purchase.
  • Bring a cooler: Nothing wastes time more than having to pull off the interstate and venture into some strange little town for a $ 2.99 Dasani. Bringing chilled water is a great idea, especially if there happens to be a traffic jam and you find yourself stuck in the middle of nowhere for an hour.
  • Skip lodging: If your trip is not too long, generally about 500 miles or eight hours, you can save a bunch of money by not having to secure lodging. No way do we recommend driving more than eight hours safely. Better yet, got family along the way? Pay an overnight visit and catch up.
  • Don’t speed: The #1 way to save money on a road trip is to obey the traffic laws. Nothing stinks more than being pulled over and hearing those eight frightening words: “Do you know how fast you were going?” Trust us: The money you save on that ticket could be the difference between the cost of driving vs. flying.

AAA Senior Vice President Bill Sutherland says although gasoline prices are rising, it will do little to sway driver behavior this holiday.

“The highest gas prices since 2014 won’t keep travelers home this Memorial Day weekend,” Sutherland was quoted as saying. “A strong economy and growing consumer confidence are giving Americans all the motivation they need to kick off what we expect to be a busy summer travel season with a Memorial Day getaway.”

RELATED5 ways to save money on gas

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76-year old man sends thank-you letter to Tim Cook after the Apple Watch helped save his life

Apple Watch

Apple may have initially positioned the Apple Watch as something of a fashion accessory, but it’s become apparent in the years since its release that most users are drawn to the device for its fitness and health tracking capabilities. In turn, one of the more interesting aspects of the Apple Watch is that there are a growing number of stories involving Apple’s wearable actually saving lives.

Last October, for example, an Apple Watch wearer named James Green received a notification that his heart rate was abnormal. Upon going to the hospital to get things checked out, doctors discovered a pulmonary embolism, a condition that could have proven to be fatal if James didn’t seek immediate medical attention.

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76-year old man sends thank-you letter to Tim Cook after the Apple Watch helped save his life originally appeared on BGR.com on Sun, 13 May 2018 at 15:25:18 EDT. Please see our terms for use of feeds.


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8 ways to save money at andThat! stores

You’re probably familiar with all the usual chain dollar store suspects — Dollar Tree, Dollar General, Family Dollar, 99-Cents Only.

But did you know there’s a new retailer that can qualify as a secret fifth dollar store chain — and that it masquerades as a home decor emporium?!

That’s the big secret about andThat! stores, a corporate cousin to the better-know likes of Bed, Bath & Beyond, Cost Plus World Market, buybuy BABY and others.

Here’s what Clark.com found when we visited one andThat! location…

RELATED: Cost Plus World Market: 8 ways to save money

How to save money at andThat! stores

With only a handful of locations in five states, andThat! isn’t a well-known name. But it is worth a look if you have one near you  and you like home decor stores that offer more than just the standard home decor — like alcohol, dry food and even pet food.

1. Know how to shop andThat! as a dollar store alternative

Dollar stores have way more inventory priced at a buck than andThat! stores do. But there were some major finds with the $ 1 price point jumping out at us when we walked the aisles.

$  1 aluminum bakeware

Among the more unique items we saw were packs of monogrammed facial tissue and vintage sodas for just $ 1.

$  1 vintage sodas

monogrammed facial tissue

And if the inner rebel in you doesn’t want to pay outrageous prices for candy at the movie theater, andThat! has a big selection of those giant boxes priced just right!

$  1 theater candy

2. Look for the 90% off rack

Rather than centralizing its clearance stuff, andThat! has it located at several different points throughout the store.

Right when we entered, we saw an area with a variety of items priced at 90% off the original price.

90% off clearance

That steep clearance price meant some items like this book we priced as low as 48 cents. That beats the pants off Dollar Tree’s $ 1 books!

cheap book

3. Shop the seasonal clearance section

andThat! was unloading its Easter gear for 75% off the original price at the location we visited.

Monogrammed Easter egg dying kits, anyone?

75% off seasonal clearance

4. Stop and shop the foyer

When you’re coming in from the parking lot, you go through the first set of automatic doors. But before you even cross the threshold of the store proper, there’s a foyer with a ton of promotionally priced merchandise.

This area is so thick with deals, you could practically trip over them!

And there’s that $ 1 price point again, this time on 14-ounce bottles of fancy boutique-style hand soap in the photo below.

$  1 soap at kennesaw andthat store

5. Don’t forget to check outside for bargains, too

andThat! lines up a lot of furniture and other deals along the store’s exterior. We found 98-cent windshield washer fluid and plant stands on sale, among other things.

That stands were marked down from $ 5.49 to prices starting at just $ 2.28.

windshield washer fluid plant stands

6. Some people come just for the coffee

andthat coffee

The coffee sales, that is.

One associate told Clark.com that some shoppers come just to load up on coffee like the Victor Allen’s 42-count single serve brew cups when they’re on sale for $ 9.99 each.

In fact, we saw one woman pile five boxes in her hands, all the way up to her chin, as she walked to checkout. The woman told us by pairing the sale price with a $ 10 coupon, she’s able to pay only $ 40 for all five boxes.

You can get the same coupon, too. Just text DEALS to 47283 for your $ 10 off a purchase of $ 50 coupon.

So how good of a deal is that price on coffee? Well, Amazon offers the same product in the same size at a much-higher price of $ 21 per box.

That’s a big savings!

7. Look for handwritten furniture markdowns

Some sets are marked down in red and they’re priced to move. This four-piece set was discounted by 20% off the original sale price.

furniture markdown 2

Meanwhile, if you like scratch-and-dent furniture, there’s no official ‘sold as is’ furniture section like there is at the store’s corporate cousin, World Market.

But after speaking with the andThat! manager, we learned that any scuffs or marks on the furniture could get you an additional discount at management’s discretion.

Hey, it never hurts to ask.

8. Check out the free phone charging

So this one’s not necessarily a way to save money, but it is a nicety for shoppers.

andThat! makes a free phone charging kiosk available for customers near the front of the store.

free phone charger

There are eight slots for phone charging. Your mobile phone number becomes your secure code to lock yours up and let it get some juice while you’re shopping.

free phone charger2

clark.com

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

In ‘God Save Texas,’ Lawrence Wright Explores the Love-Hate Relationship With the Lone Star State

Jacob_09

In 1979, 14 years after fleeing Texas as a teenager, journalist Lawrence Wright found himself on assignment in the Lone Star State in a little town called Gruene, his stomach full of a three-inch rare steak.

George Strait was opening for a swing band at legendary music venue Gruene Hall, when Wright—who lived in Atlanta at the time—finally felt the push to move back to his home state.

“Dancers were two-stepping; the boys had longnecks in the rear pockets of their jeans and the girls wore aerodynamic skirts,” Wright chronicles in his new book about his Lone Star home land, God Save Texas.

Read more at The Daily Beast.

The Daily Beast — Books

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Trump’s Next Top Diplomat Can’t Save His Own Face

Jim Watson/Getty

Most diplomats, when their old positions put their objectives at risk, look for opportunities to de-escalate conflict. Mike Pompeo, Donald Trump’s nominee for secretary of state, didn’t take the off-ramps that senators repeatedly offered him on Thursday.

Pompeo was never going to have an easy confirmation hearing. As a tea-party congressman before joining the administration, he had made bigoted statements about American Muslims. As Trump’s CIA director, Pompeo has used bellicose rhetoric against Iran and North Korea, to the delight of the White House, which has recently taken to purging national-security officials Trump considered out of sync with his impulses.

Bob Corker, the GOP chairman of the Senate Foreign Relations Committee, told Pompeo his colleagues were justified in wondering if his closeness with the president is “based on deferential willingness to go along to get along.” That kicked off five long and often agonizing hours in which Pompeo found himself caught between the president he seeks to please, the politician he used to be, and the senators he needs to convince.

Read more at The Daily Beast.

The Daily Beast Latest Articles

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

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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!

Gas Prices Will Go Up This Summer And Gas Credit Cards Won’t Help You Save

American households already spend between $ 2,000 and $ 3,000 yearly on gas. Come this summer, however, those numbers are expected to increase by another 14%. While you and your family might be counting on gas credit cards to offer some savings, a new survey has found that these credit cards offer much less than promised when compared to general use credit cards.

The new CreditCards.com analysis of 28 widely available gas station cards such as Chevron, Texaco and BP, found that the average gas-station-branded credit card charges an interest rate of 23.61%, which is nearly seven percentage points higher than the national average for all credit cards. These credit cards often offer rewards that can’t match up to a typical general-purpose credit card, Matt Schulz, CreditCards.com senior industry analyst, told Black Enterprise.

Of the 28 gas cards analyzed, 24 of them offer per-gallon discounts at an average of just 5 cents per gallon. According to the American Automobile Association, the national average for a gallon of regular gas is currently $ 2.66, making the return on the deal just shy of 2%. In states like California, where the average price is slightly higher at $ 3.52, a 5-cent discount gets you less than 1.5%.

Twelve of the 28 gas cards analyzed come with a 25-cents-per-gallon introductory offer. The catch is that the discount is only available for a very limited time, usually two to three months.

If you’re planning a big road trip, this is one instance when it might make sense to sign up for a gas rewards credit card,” said Schulz. “But even then, there are restrictions to be aware of–several of the most generous introductory offers are capped around $ 100 of fuel credits. You’re probably still better off with a general cash-back card.”

For example, the Capital One Venture Rewards card, the survey found, gives new cardholders 50,000 miles ($ 500 in travel) after they spend $ 3,000 within three months of opening the account. Cardholders receive 2 miles for every dollar they spend (essentially a 2% return) and there is no annual fee for the first year. Citi Double Cash is another popular general-purpose card that offers 2% cash back on all purchases, although it doesn’t offer a sign-up bonus, the survey found. The American Express Blue Cash Everyday card gives 2% back on gas with a $ 200 sign-up bonus.

General-purpose cards are also much more likely to offer lucrative sign-up bonuses, Schulz said they found. He said there are many different general-purpose credit cards that offer 2% rebates in the form of cash-back and travel rewards. These typically charge much lower interest rates and provide cardholders with far greater flexibility, he said.

“Most folks would benefit from a general purpose card more so than the typical gas station card and the rewards over the long run will end up being lucrative,” Schulz said.

Here’s what else the survey found about gas cards:

  • You don’t want to carry a balance. The average APR for the cards that were surveyed is 23.61%, well above the national average for general purpose cards (16.62%, per the CreditCards.com Weekly Credit Card Rate Report). Nine of the cards in our survey had APRs of 28.24%.
  • Most are only good at one kind of gas station. Only 11 cards were co-branded with payment networks such as Visa and Mastercard, meaning they can be used almost anywhere. Gas cards that are not co-branded can only be used at their respective stations.
  • Some cash back cards don’t measure up to them. General purpose cards that offer 1.5% cash back on all spending save you slightly less than 5-cents-per-gallon gas cards at the current average gas price. But drivers who live in expensive-gas states such as California ($ 3.52 per gallon) can save more with 1.5% cash back cards.
  • Many of them have introductory offers. Twelve of the cards in the survey advertised introductory offers, typically featuring increased per-gallon discounts and rebates.

The post Gas Prices Will Go Up This Summer And Gas Credit Cards Won’t Help You Save appeared first on Black Enterprise.

Money | Black Enterprise

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11 Beauty Products That’ll Save Your Skin From (Shudder) Recycled Plane Air

Travel — or rather, stale, recycled airplane air — is notorious for doing a number on your skin. It sucks all the good things out of your face, leaving it tight, dry and annoyingly breakout-prone. Still, dreaded plane air is a necessary evil one must face in order to cross great distances — for pleasure, business, familial obligation, etc. — in a timely manner.

On the bright side, these days, the general population is pretty obsessed with skin care. You’ll often see people performing entire hydration-minded skin care routines in-flight without attracting so much as a side-glance from their neighbor. In short, there’s no need to suffer through dryness and dullness for the sake of social decorum, or anything else.

With that in mind, check out the slideshow above for some genius travel beauty tips, plus 11 TSA-approved (aka under-3.4 ounce) skin care products that, when used correctly, will prevent you from touching down looking like a shriveled-up prune. Throw them in a plastic baggie, throw that in your carry-on, arrive looking impossibly dewy and fresh.

And if you’re more of an audio-visual learner, check out beauty blogger Tamira Jarrel’s simple(-ish) in-flight travel routine in the video below.

Bon voyage.

[ Next: 7 Travel Beauty Hacks That Will Change Your Life ]

The post 11 Beauty Products That’ll Save Your Skin From (Shudder) Recycled Plane Air appeared first on theFashionSpot.

theFashionSpot

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Toy tycoon leads crowdfunding effort to save Toys R Us brand

A budding campaign to buy Toys ‘R’ Us has hit a few bumps in the road, but its billionaire backer said he’s just getting started. Toy tycoon Isaac Larian — founder and chief executive of MGA Entertainment, maker of Little Tikes, Bratz dolls and LOL Surprise — says he was in talks with several major…
Business | New York Post

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How Black Barbershops Save the Lives of African American Men

Barbershops have been the heartbeat of African American communities since black men were legally permitted to own businesses. In addition to providing shape-ups and fades, black barbershops are judgment-free safe havens where boys and men openly engage in conversation, debates, and share personal stories. Hence, this makes the barbershop possibly the best environment to curb health epidemics that disproportionately affect black men.

Dealing with Pressure

According to the American Heart Association, more than 40% of African American men suffer from high blood pressure, which can lead to kidney damage and heart failure. Black men and women also run the risk of developing high blood pressure more often, and at an earlier age, than other races. As a result, they are more susceptible to heart disease and stroke.

“Black men have the highest rates of high blood-pressure-related disability and death of any group in the United States,” said Dr. Ronald Victor of the Cedars-Sinai Medical Center in Los Angeles to NBC News.

Yet, despite the stark reality, black men are less likely to see a doctor due to a deep-seated mistrust of the medical community, lack of healthcare access, and strenuous work schedules. The barbershop, on the other hand, is a place where many frequent several times a month. Here, they often develop trustful relationships with their barbers and feel comfortable opening up about critical issues, like their health.

Getting Treated at ‘The Shop’

Rather than pushing black men to take more trips to a health clinic or physician’s office, Dr. Victor set up an experiment to bring treatment directly to them. For a little over two years, he and his team monitored the blood pressures of 319 men, ages 35 to 71, inside of 52 black-owned barbershops in Los Angeles.

Study participants were divided into separate focus groups. One group received intervention from both their barber and a trained pharmacist stationed at a shop. The second group received advice on healthy living and encouragement from their barber to see a doctor on their own.

The Results?

After six months, nearly two-thirds of men in the first group saw their high blood pressure drop down to a healthy number. The average reduction in systolic and diastolic blood pressure was 21.6. Whereas almost 12% of those from the other group, which received only standard therapy from their barber, saw their blood pressure decrease to a healthy point.

“On average, men who interacted only with their barber and were referred to their own doctor saw their systolic blood pressure drop from 155 mmHg at the start of the study to 145mm Hg after six months,” reads the report, which was released Monday in the New England Journal of Medicine.

 

“By contrast, men who interacted with their barber and a pharmacist saw their systolic blood pressure drop from 153 mmHg at the start of the study to 126mm Hg after six months.”

Dr. Victor, the study’s lead author, concluded that having pharmacists deliver care in barbershops was effective in controlling blood pressure levels and saving the lives of black men. “The men came in and got their hair cut and they got their blood pressure cut at the same time,” he told NBC News. “We brought the medicine to them, rather than the usual of having patients come to us.”

The post How Black Barbershops Save the Lives of African American Men appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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‘Rise’ Premiere: Can Lou Save Stanton High Drama or Will it Save Him?

Upon hearing about an opening, Lou Mazzuchelli (Josh Radnor), a teacher who wanted to make a difference, stepped in and volunteered, ultimately taking a job that Tracy (Rosie Perez) thought would be hers — she’s been doing it for 11 years. Not only did he take the job, he took over, scrapping her production of Grease and replacing it with a very controversial Spring Awakening. He also took Gwen (Amy Forsyth) out of the lead role, putting her in a supporting role and giving the lead to new face Lilette (Auli’I Cravalho), a student who’s never acted.

As if she needed another reason to hate Lilette, Gwen also discovered that Lilette’s mother was sleeping with her father, the football coach — and may be the reason for their marriage dissipating. For the male lead, Lou found Robbie Thorne (Damon J. Gillespie), a.k.a. QB 1. By “found,” I should say “forced,” as Robbie was failing a class — which meant he’d be ineligible to play. So Lou agreed he’d let him play if he auditioned.

Lilette and Robbie had more in common than met the eye. After school, before football, Robbie took care of his mother, who is sick and living in a facility. Meanwhile, Lilette worked as a diner waitress with her mother, struggling to pay the bills. Everyone on the show had things going on at home, including Lou, whose son Gordy was struggling with an alcohol problem. To make matters at home even more complicated, Lou brought home Maashous (Rarmian Newton), a foster kid he found living in the auditorium.

rise-premiere
Josh Radnor as Lou Mazzuchelli and Ted Sutherland as Simon Saunders on Rise. Peter Kramer/NBC

And then there was Simon (Ted Sutherland), who was used to playing the lead but instead would be playing Hanschen in Spring Awakening, a gay character who shares a kiss with a man on stage. At first, Simon protested, explaining he wasn’t gay but ultimately Lou convinced him he had the acting skills to play the powerful role. However, Simon’s parents were not at all OK with it. It’s likely they also wouldn’t be OK with Michael (Ellie Desautels) joining the show — an openly transgender, extremely talented teen boy.

However, Simon’s parents weren’t the only ones having issues with the content of Spring Awakening. After the principal read the show, he wasn’t OK with the controversial topics either. He replaced it with Pirates of Penzance, stating they couldn’t afford Grease and already had costumes for Pirates, plus Tracy had to take over. Also, he demanded that Robbie played football and did not participate. Luckily for Lou, no one else felt that way.

rise-premiere
Josh Radnor as Lou Mazzuchelli, Ellie Desautels as Michael Hallowell, Auli’i Cravalho as Lilette Suarez, Shannon Purser as Annabelle, Sean Grandillo as Jeremy Middle, Ted Sutherland as Simon Saunders, and Amy Forsyth as Gwen Strickland on Rise. Peter Kramer/NBC

The episode ended with Tracy and the entire troupe — Robbie included — burning the Pirates props and costumes in the parking lot where they delivered a message to both the coach and the principal: they wanted Lou, they wanted Spring Awakening and Robbie wouldn’t be playing football if he couldn’t do the show.

Rise airs on NBC Tuesdays at 9 p.m. ET.

Us Weekly

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Screening for Colorectal Cancer Can Save Lives

Colorectal cancer is the second-leading cause of cancer death in the United States, yet only two in three adults in the United States is adequately screened. With appropriate screening, however, colorectal cancer is one of the most preventable forms of cancer. Men and women at average risk should begin screening at age 50.

In observance of Colorectal Cancer Awareness Month, we interviewed Karl Kwok, MD, an interventional gastroenterologist at the Kaiser Permanente Los Angeles Medical Center, about the importance of screening tests and what we can do to lower our risk of cancer.

Why is colorectal cancer screening so important?

Colon cancer is the third most commonly diagnosed cancer in the United States. However, it’s also one of the most treatable cancers. When colorectal cancer is found at an early stage, the five-year relative survival rate is approximately 90 percent. In fact, regular screenings can help detect advanced polyps, which are precancerous, and allow us to remove them using advanced techniques that do not require surgery. This returns your colon-cancer risk back to baseline.

What methods are used to screen people for colorectal cancer?

Kaiser Permanente, in line with the United States Preventive Services Task Force, encourages its members age 50 and above to either undergo a yearly at-home fecal immunochemical test, also known as a FIT test; an average-risk sigmoidoscopy every five years; or an average-risk colonoscopy every 10 years.

People with a higher risk for colorectal cancer, such as those with a strong family history of colorectal cancer, may need to start routine testing before age 50 and have it more often.

To figure out which screening test is best for you, have a conversation with your primary care provider. Each has its advantages and disadvantages, but one thing is certain: Regular colorectal cancer screenings can save lives.

Can colorectal cancer be prevented?

To a large extent, YES! Most cases of colorectal cancer are due to sporadic development of precancerous polyps that do not cause symptoms for a long period of time. This is why screening is critical — the earlier we detect and remove these polyps, the less likely they can grow into an advanced polyp and ultimately turn into cancer. Multiple studies have shown that precancerous colon polyp removal is protective against subsequent development of colon cancer.

What risk factors increase a person’s chance of developing colorectal polyps or colorectal cancer?

Some of the known risk factors for developing colon cancer include:

  • Having a diet heavy in red meats and processed meats
  • Having a sedentary lifestyle
  • Being overweight or obese
  • Smoking and heavy alcohol use
  • Having a family history of colon cancer, especially a first degree relative (mother, father, sibling or child)
  • Having a personal history of colorectal polyps or a personal history of inflammatory bowel disease, including Crohn’s disease or ulcerative colitis (a condition which causes chronic inflammation of the colon)
  • Your racial and ethnic background or your personal health history. For example, African Americans have the highest colorectal cancer incidence. People with a history of kidney transplants and people with type 2 diabetes also have an increased risk of colorectal cancer.

To learn more about colorectal cancer and the screening process, visit www.kp.org.

Get Screened!

On Thursday, March 22, all Kaiser Permanente Southern California Medical Centers will host a colorectal cancer screening day. Be part of this life saving event. Please drop off your completed screening kit (FIT kit) at your nearest Kaiser Permanente medical center. If you haven’t received one, call your doctor or visit your customized online Personalized Action Plan on KP.org and request a FIT kit.

Need help? This video shows a simple step-by-step process to use the home screening kit.

The post Screening for Colorectal Cancer Can Save Lives appeared first on Kaiser Permanente Share.

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The best Amazon Subscribe & Save orders for new parents

by

Joyce Slaton

posted in Products

Amazon Subscribe & Save is truly a godsend for new parents. Without having to think about it, or, God forbid, get your baby and body and soul together to get out to the store, the stuff you need arrives on the regular. So when you’re in the setting-up-for-baby mode, set these things up and you’ll be grateful later.

A few of the finer points of Amazon Subscribe & Save: You’ll save 10 percent more if you schedule five or more deliveries to happen on the same day. You can schedule deliveries to happen monthly, or in intervals up to 6 months. When you order a Subscribe & Save deal, you lock in the price you pay for the item, so whether the price goes up or down, that’s what you’ll be paying (until you cancel the subscription). And there’s no guarantee that the price is the lowest you’ll find out there — but you won’t have to go shopping or do anything other than get boxes from your lobby or front porch, and pay your credit card bills.

 

1. Diapers and wipes

For the love of Pete, get yourself a diaper subscription as soon as possible, because you’re not going to believe how fast your baby flies through them. Each baby has her own rhythm, but 8-10 diapers a day, or even more, are not unexpected in the newborn phase. Do the math and you can see if you’re using disposables, you’ll be going to the store a lot if you don’t create a subscription.

So figure a couple-300 hundred diapers a month at first. Later you’ll pare that number down as you move up in size. Amazon sends you an email a few days before your subscription will ship, so you can change the diaper size in your account, or cancel the box size or brand you get, and add something else instead — you may have to be flexible on what brand you’ll buy to get the best savings, as not every size in every brand is offered at any given time.

On the other hand, your child won’t grow out of wipes, so you won’t have to change the size. You can figure on going through maybe 400 wipes each month for the first couple of months, then scaling down as your child goes through diapers more slowly.

Our pick: Pampers Swaddlers Disposable Diapers Newborn Size, $ 23.06 for 88; Amazon Elements Baby Wipes, Sensitive, $ 11.59 for 480

2. Diaper pail supplies

If you have one of those diaper pails that needs special bags, don’t forget about them, or your house will fill with stink. You might cycle through a multi-pack of diaper bag refills every other month at first before your consumption goes down, so be ready to adjust your order along with diapers.

Our pick: Playtex Diaper Genie Refills for Diaper Genie Diaper Pails, 270 Count, $ 12.82

3. Sustenance

If you’re a coffee drinker, you really need your coffee when you have a baby. Don’t suffer for a moment without it — order as many pounds as you need to get through the month.

Breastfeeding also makes you hungry, as does waking up at odd hours. Don’t forget to order yourself some filling snack food, like cheese, peanut butter, fruit, or energy bars, so even if you’re exhausted, you don’t also have to be hungry.

Our picks: Death Wish Ground Coffee, 16 ounce, $ 18.99; Chocolate Chip CLIF BAR, 12 count $ 9.48

4. Toilet paper

Living without toilet paper will quickly turn you into an animal who will wipe with a cereal box, baby wipes thrown surreptitiously into the diaper pail, or so many other things. Order a great big ol’ box of toilet paper so it won’t happen to you.

Our pick: Seventh Generation Unbleached Toilet Paper, 4 pack of 12-count rolls (48 total rolls), $ 41.70

5. Laundry detergent

Babies make laundry. They’re like little filth guns, shooting out dirty clothing as quickly as you load the barrel with clean clothing. Make sure you order laundry detergent every few months, or you’ll be walking around with spit-up shirts and a grimy baby.

Our pick: Seventh Generation Natural 4X Concentrated Laundry Detergent Free and Clear Unscented, 2-pack of 40-ounce bottles (80 total ounces), $ 24.69

You may also want to consider subscribing to:

* Dish detergent
* Dishwasher detergent
* Trash bags
* Paper towels
* Disposable napkins
* Formula
* Pet food
* Medications
* First aid supplies
* Toothpaste
* Soap
* Shampoo
* Lotion

The post The best Amazon Subscribe & Save orders for new parents appeared first on BabyCenter Blog.

BabyCenter Blog

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The complicated path for new ESPN president to save ESPN

In being named the new president of ESPN, Jimmy Pitaro will be asked to thread a very fine needle in trying to retain the network’s self-proclaimed title as the Worldwide Leader in Sports. Pitaro will try to sustain ESPN’s place as a huge revenue driver for Disney in spite of the cable and sports industries’…
Media | New York Post

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Michigan Auto Executive Uses His Jeep to Save Two People Trapped by Burning Car

A quick-thinking auto executive plowed his jeep into a burning SUV to free passengers stuck in another vehicle in a horrific scene caused by a drunk driver that left one person dead.

Ralph Gilles, the head of design for Fiat Chrysler Automobiles, was driving with his wife, Doris, when he came across a two-car accident in Addison Township, Michigan, during the early morning hours on February 18. Just before Gilles arrived, a 2013 Ford Fiesta collided head-on with a 2013 Ford Edge SUV that crossed the road’s center line, according to the Oxford Leader.

When the couple came across the accident, Gilles got out of his Jeep Wrangler to help the two occupants stuck inside the SUV. As much as they tried to pry the doors open, they wouldn’t budge.

As the vehicles remained on the road, a Buick sedan—driven by a 26-year-old driver—struck the Fiesta and pushed it into the SUV, causing its engine to ignite. While the driver of the Edge escaped, the driver and passenger of the Fiesta remained trapped with the flames rising. Gilles surmised that if they were going to find a way out for the passengers, they were going to have to do it quickly.

“I figured the fire department would take a while to get there . . . at that time of day,” Gilles told the newspaper. “I had to do something fast.”

He returned to his Jeep Wrangler, put it into four-wheel drive and used it to push the burning Edge away from the passengers.

“I still have no idea where that (thought) came from,” he told the Oxford Leader. “The only thing I can remember thinking (is) I’ve got a Jeep, it’s got a bumper on it, I think I can do this. All I could think about were the two people still inside the other car.”

Thanks to Gilles removing the SUV away from the vehicle, he gave firefighters enough time to arrive and retrieve both of the passengers—who were husband and wife—from the trapped Fiesta.

Gilles said he was fortunate he didn’t grab his other car that morning—a Dodge Charger—because it wouldn’t have been able to muster the traction needed to push another vehicle from the road.

While the husband from the Fiesta is listed as being in stable condition at McLaren Oakland hospital, his 57-year-old wife died of her injuries hours later.

The driver of the Ford Edge—who caused the initial accident—was a 36-year-old man who admitted to drinking while at the scene, according to the Oakland County Sheriff’s Office.

https://platform.twitter.com/widgets.js

About a week after the accident, Gilles responded on social media to all those who have sent him praise for his actions on that Sunday morning. But the auto executive was quick to point out that he didn’t consider himself a hero.

“Just saw all the kind words about last weekends sad events. I am no hero just was there at a critical time,” he wrote. “Thank you all for the kind words. Respect to all the true daily heroes our first responders!”


PEOPLE.com

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Slain football coach ran ‘toward danger’ to save students in shooting: Sheriff

Victim Aaron Feis “was one of the greatest people I knew,” the sheriff said.
ABC News: Top Stories

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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

SPECIAL DONATION REQUEST:

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!

Samsung’s screen-carrying drone will save you from ever holding your phone

Samsung Display Drone

Wouldn’t it be cool to be able to control a drone with your eyes or voice? Samsung, apparently, is considering the creation of such flying devices, which would be able to interpret your gestures, but also eye movements, and voice commands.

It may be a while until we see such devices in stores if that ever happens. A more grim possibility for the technology is advertising, the kind of ad experiences that follows you around in stores or on the street. What’s certain is that Samsung is studying pairing displays with drone technology.

Continue reading…

BGR Top Deals:

  1. It’s crazy how much better the Fire TV Stick and Roku Stick are with this simple $ 20 accessory
  2. A mattress topper that basically turns any bed into a cloud is Amazon’s deal of the day

Trending Right Now:

  1. Dog food recall: Here are all the brands and products being withdrawn
  2. Washington DC has given Elon Musk a permit for his Hyperloop
  3. Latest leak may have uncovered the Galaxy S9’s most exciting secret

Samsung’s screen-carrying drone will save you from ever holding your phone originally appeared on BGR.com on Mon, 19 Feb 2018 at 23:00:11 EDT. Please see our terms for use of feeds.


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Surging inflation will save the dollar as the Fed ramps up rate hikes, wealth manager says

After years of moribund price increases, inflation is back and it is set to alter monetary policy, an investment manager told CNBC Friday.
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Click today to request your free ACRX discount prescription card and save up to 80% off off of your medicine!

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

How to save money in your travels

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Unfortunately, we’re currently dealing with an illness that has rendered us completely incapable of joy or happiness…yep, it’s the infamous TRAVEL BUG (*cue evil laugh*). While we wish we could have a six-month vacation twice a year, giving into our travel bug just isn’t always possible in today’s day and age. With bills to pay and work to do, much of our spare money is spent on new washing machines, car batteries, or just food to survive. This leaves little room in the wallet for a vacation – or so we thought. Saving for a vacation doesn’t have to be as hard as it seems. Here are some of the best ways to save money in your travels…

Sign up for newsletters

No matter where you go to search for vacations on the internet, you will always find websites brandishing ‘EPIC DEALS’ that really don’t work in your favor. Instead, you should turn your attention towards independent travel investigators who scour the web for deals and bring them to the attention of the traveler. Many give you the option to sign up for newsletters…what have you got to lose?

Save money in devastated areas

Each year, countries and areas are devastated by natural disasters, such as earthquakes, hurricanes, and even volcanic eruptions! When this happens, most travelers are less likely to travel to these areas that have yet to recover. However, those with the travel bug can save money in these devastated areas, as discounted vacations will be on offer. Although the area may be only partly-recovered, your money will help them rebuild from the ashes.

Give yourself a Google alert

Y’know, Google is one of the best inventions ever, and it seems that this search engine offers users even more options while searching for vacations. In fact, Google gives you the option to create Google Alerts. This means you can input certain searches, for example, ‘cheap flights to Barbados,’ and Google will alert you daily, weekly, monthly, or when they arrive on the search engine.

Get some money back

It’s no secret that vacations can get pretty pricey, especially if you’re going long-haul. However, you don’t always have to fork out a load of money to have the time of your life – at least, not in the long run. Nowadays, the internet is overrun with cashback sites that offer their users cashback incentives. This means that if you book through their site, you may get a percentage of the price back into your bank account. Neat, huh?

Avoid ATM fees

Most of us take cash on our vacations, but if you’re drinking ten pina coladas each day (you’re on vacation, after all), that money may dry up quite quickly. Although we can get cash out of international ATM machines, many of them will charge you to do so. All of these charges can add up and cost you a pretty penny – so why not avoid them? Many banks, such as Citibank, offer packages that waive the ATM fees and save you money in the long run.

There’s nothing better than going on vacation, but finding the money to spend abroad can be tricky…until you make use of these easy steps!

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The post How to save money in your travels appeared first on Worldation.

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I Had My Right Eye Removed During Pregnancy to Save My Babies

“I just want to make sure I’m here for a very long time for my children.”

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Anti-Smoking Plan May Kill Cigarettes & Save Big Tobacco

WASHINGTON (AP) — Imagine if cigarettes were no longer addictive and smoking itself became almost obsolete; only a tiny segment of Americans still lit up. That’s the goal of an unprecedented anti-smoking plan being carefully fashioned by U.S. health officials.

But the proposal from the Food and Drug Administration could have another unexpected effect: opening the door for companies to sell a new generation of alternative tobacco products, allowing the industry to survive — even thrive — for generations to come.

The plan puts the FDA at the center of a long-standing debate over so-called “reduced-risk” products, such as e-cigarettes, and whether they should have a role in anti-smoking efforts, which have long focused exclusively on getting smokers to quit.

“This is the single most controversial — and frankly, divisive — issue I’ve seen in my 40 years studying tobacco control policy,” said Kenneth Warner, professor emeritus at University of Michigan’s school of public health.

The FDA plan is two-fold: drastically cut nicotine levels in cigarettes so that they are essentially non-addictive. For those who can’t or won’t quit, allow lower-risk products that deliver nicotine without the deadly effects of traditional cigarettes.

This month the government effort is poised to take off. The FDA is expected to soon begin what will likely be a years-long process to control nicotine in cigarettes. And next week, the agency will hold a public meeting on a closely watched cigarette alternative from Philip Morris International, which, if granted FDA clearance, could launch as early as February.

The product, called iQOS (pronounced EYE-kose), is a penlike device that heats Marlboro-branded tobacco but stops short of burning it, an approach that Philip Morris says reduces exposure to tar and other toxic byproducts of burning cigarettes. This is different from e-cigarettes, which don’t use tobacco at all but instead vaporize liquid usually containing nicotine.

For anti-smoking activists these new products may mean surrendering hopes of a knockout blow to the industry. They say there is no safe tobacco product and the focus should be on getting people to quit. But others are more open to the idea of alternatives to get people away from cigarettes, the deadliest form of tobacco.

Tobacco companies have made claims about “safer” cigarettes since the 1950s, all later proven false. In some cases the introduction of these products, such as filtered and “low tar” cigarettes, propped up cigarette sales and kept millions of Americans smoking. Although the adult smoking rate has fallen to an all-time low of 15 percent, smoking remains the nation’s leading preventable cause of death and illness, responsible for about one in five U.S. deaths.

Anti-smoking groups also point to Big Tobacco’s history of manipulating public opinion and government efforts against smoking: In 2006, a federal judge ruled that Big Tobacco had lied and deceived the American public about the effects of smoking for more than 50 years. The industry defeated a 2010 proposal by the FDA to add graphic warning labels to cigarette packs. And FDA scrutiny of menthol-flavored cigarettes — used disproportionately by young people and minorities — has been bogged down since 2011, due to legal challenges.

“We’re not talking about an industry that is legitimately interested in saving lives here,” said Erika Sward of the American Lung Association.

But some industry observers say this time will be different.

“The environment has changed, the technology has changed, the companies have changed — that is the reality,” said Scott Ballin, a health policy consultant who previously worked for the American Heart Association.

Under a 2009 law, the FDA gained authority to regulate certain parts of the tobacco industry, including nicotine in cigarettes, though it cannot remove the ingredient completely. The same law allows the agency to scientifically review and permit sales of new tobacco products, including e-cigarettes. Little has happened so far. Last year, the agency said it would delay the deadline for manufacturers to submit their vapor-emitting products for review until 2022.

The FDA says it wants to continue to help people quit by supporting a variety of approaches, including new quit-smoking aids and opening opportunities for a variety of companies, including drugmakers, to help attack the problem. As part of this, the FDA sees an important role for alternative products — but in a world where cigarettes contain such a small amount of nicotine that they become unappealing even to lifelong smokers.

“We still have to provide an opportunity for adults who want to get access to satisfying levels of nicotine,” but without the hazards of burning tobacco, said FDA Commissioner Dr. Scott Gottlieb. He estimates the FDA plan could eventually prevent 8 million smoking-related deaths.

“SMOKE-FREE FUTURE”

Philip Morris International and its U.S. partner Altria will try to navigate the first steps of the new regulatory path next week.

At a two-day meeting before the FDA, company scientists will try and convince government experts that iQOS is less-harmful than cigarettes. If successful, iQOS could be advertised by Altria to U.S. consumers as a “reduced-risk” tobacco product, the first ever sanctioned by the FDA.

Because iQOS works with real tobacco the company believes it will be more effective than e-cigarettes in getting smokers to switch.

Philip Morris already sells the product in about 30 countries, including Canada, Japan and the United Kingdom.
iQOS is part of an elaborate corporate makeover for Philip Morris, which last year rebranded its website with the slogan: “Designing a smoke-free future.” The cigarette giant says it has invested over $ 3 billion in iQOS and eventually plans to stop selling cigarettes worldwide — though it resists setting a deadline.

Philip Morris executives say they are offering millions of smokers a better, less-harmful product.

Matthew Myers of the Campaign for Tobacco-Free Kids still sees danger. He says FDA must strictly limit marketing of products like iQOS to adult smokers who are unable or unwilling to quit. Otherwise they may be used in combination with cigarettes or even picked up by nonsmokers or young people who might see the new devices as harmless enough to try.

“As a growing percentage of the world makes the decision that smoking is too dangerous and too risky, iQOS provides an alternative to quitting that keeps them in the market,” Myers says.

It’s unclear whether existing alternatives to cigarettes help smokers quit, a claim often made by e-cigarette supporters. Research from the Centers for Disease Control and Prevention suggests about 60 percent of adult e-cigarette users also smoke regular cigarettes.

THE CASE FOR LOWER NICOTINE

Experts who study nicotine addiction say the FDA plan is grounded in the latest science.

Several recent studies have shown that when smokers switch to very low-nicotine cigarettes they smoke less and are more likely to try quitting. But they also seek nicotine from other sources, underscoring the need for alternatives. Without new options, smokers would likely seek regular-strength cigarettes on the black market.

Crucial to the FDA proposal is a simple fact: nicotine is highly addictive, but not deadly. It’s the burning tobacco and other substances inhaled through smoking that cause cancer, heart disease and bronchitis.

“It’s hard to imagine that using nicotine and tobacco in a way that isn’t burned, in a non-combustible form, isn’t going to be much safer,” said Eric Donny, an addiction researcher at the University of Pittsburgh.

A study of 800 smokers by Donny and other researchers showed that when nicotine was limited to less than 1 milligram per gram of tobacco, users smoked fewer cigarettes. The study, funded by the FDA, was pivotal to showing that smokers won’t compensate by smoking more if nicotine intake is reduced enough. That was the case with “light” and “low-tar” cigarettes introduced in the 1960s and 1970s, when some smokers actually began smoking more cigarettes per day.

Still, many in the anti-smoking community say larger, longer studies are needed to predict how low-nicotine cigarettes would work in the real world.

LEGAL RISKS

Key to the FDA plan is the assumption that the two actions will happen at the same time: as regulators cut nicotine in conventional cigarettes, manufacturers will provide alternative products.

But that presumes that tobacco companies will willingly part with their flagship product, which remains enormously profitable.
Kenneth Warner, the public policy professor, said he would be “astonished” if industry cooperates on reducing nicotine levels.

“I don’t think they will. I think they will bring out all of their political guns against it and I’m quite certain they will sue to prevent it,” he said.

In that scenario, the FDA plan to make cigarettes less addictive could be stalled in court for years while companies begin launching FDA-sanctioned alternative products. Tobacco critics say that scenario would be the most profitable for industry.

“It’s like Coke, you can have regular Coke, Diet Coke, Coke Zero, we’ll sell you any Coke you like,” said Robin Koval, president of the Truth Initiative, which runs educational anti-tobacco campaigns.

But the FDA’s Gottlieb says the two parts of the plan must go together. “I’m not going to advance this in a piecemeal fashion,” he said.

When pressed about whether industry will sue FDA over mandatory nicotine reductions, tobacco executives for Altria and other companies instead emphasized the long, complicated nature of the regulatory process.

“I’m not going to speculate about what may happen at the end of a multiyear process,” said Jose Murillo, an Altria vice president. “It will be science and evidence-based and we will be engaged at every step of the way.”

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(AP Photo/Bobby Caina Calvan & AP Photo/J. Scott Applewhite & Philip Morris via AP)

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12 Great Apps To Save More Money and Jump-Start Your Financial Freedom in 2018

New Year, new you? How about New Year, new ways to save your money? Every start of the year gives us another chance to implement better money-saving habits or to improve upon the ones we’ve already adopted. It’s no surprise that the top resolutions for Americans often include financial-oriented goals.

At the start of 2017, digital marketing company, iQuanti, compiled a list of the most popular resolutions based on Google search terms the year prior. Rounding out the top five was the resolve to “spend less and save more.” In a recent PNC Financial survey of employed U.S. adults, when asked which financial-related resolutions they are most likely to make in 2018, 40% stated save more money each month, 31% said reduce spending each month, and 27% wanted to save more for retirement.

But as quickly as we make them, many of us are also more likely to break financial resolutions due to circumstances or plain lack of discipline. Each year, money-related resolutions make multiple lists of common New Year’s resolutions that people break. But not all hope is lost—there are some worthy financial apps sitting in your smartphone’s app store that can help make your financial resolutions stick or at the very least, provide you with a fresh, empowered way of thinking about your money.

Whether it’s the resolve to save an extra $ 100 a month, put money toward a travel or emergency fund, increase your credit score, or buy into that stock you’ve been eyeing, these money-saving apps can make your 2018 money-saving goals a bit more doable and motivate you to not ditch your financial resolution three months or three weeks in.

Empower

Photo: Empower (Apple iTunes Store)

Featured by Forbes and Time Magazine as among the best apps in finance, Empower helps you build wealth by paying down debt, improving your credit score, canceling unwanted subscriptions, and keeping track of all your finances in one place. The app also tracks your spending patterns and makes customized suggestions catered to your lifestyle. For a more complete overview of your finances, Empower also allows you to sync any investment and borrower accounts.

Acorns

Photo: Acorns (Apple iTunes Store)

This app is a force in the microsavings realm. Simply link your credit and debit card to the app so that it could track your purchases. It rounds those purchases up to the nearest dollar and invests the difference for you into exchange-traded funds. Acorns designs an investment portfolio for you based on the information you provide upon signing up, but there are other portfolios to choose from. It costs $ 1 per month and .25% of the balance once your portfolio hits $ 5,000. It’s free for college students.

Mint

No list of best apps for saving/managing money is complete without Mint. It claims to take the hassle out of budgeting by creating a personalized budget and auto-categorizing your transactions after you sync your bank account. Just link your account to the app and it does the work for you. Mint also sends you alerts when bills are due and notifies you of any unusual charges. It can also tell you how you can reduce money on bills and monthly fees.

Photo: Mint (Apple iTunes Store)

Clarity Money

Is that Planet Fitness membership just languishing month after month while you automatically give away $ 10 that could be used for something else? Then Clarity Money will happily remind you of that. It is a financial ally that helps you cancel wasteful or forgotten subscriptions and alerts you if you are spending more than what you allotted for in your budget. The app also displays how much you’ve spent, keeps track of your monthly income, advises you how to use your credit card responsibly, and tells you the days until your next paycheck. It can also help you discover better credit card deals based on your spending habits and can generate your credit score for free.

Photo: Clarity Money (Apple iTunes Store)

Credit Karma

For those who want to increase their credit score, the popular Credit Karma app is the best free app that allows consumers to see how high or low their score is without getting a hard credit check and causing damage to the current score. You can also monitor your reports and receive alerts when there are fluctuations. The app also allows you to challenge any errors and offers suggestions on how to increase your score.

Photo: Credit Karma (Apple iTunes Store)

Digit

Photo: Digit (Apple iTunes Store)

Digit is great if you’re new to the budgeting game or if you’re not too good at sticking to a money-saving plan. After you sync your checking account, it automatically determines a feasible amount of money that you can afford to save and places that amount into your savings account. The best part is that it comes with a no-overdraft guarantee, so you can carry on without worrying that the app will take more out of your account than you can afford. Each morning you receive a text informing you of your current balance, and with a weekly status report on how much you’ve saved, you can soon be on your way to hitting your financial goals. It’s free for the first 100 days and $ 2.99 a month after.

You Need a Budget

(Image: Google Play)

Investopedia.com calls YNAB the best app for getting out of debt. It allows you to create a budget based on a few ground rules: give every dollar a job, embrace your true expenses, plan for infrequent expenses, roll with the punches if you end up overspending, and learn how to live on last month’s income. In other words, it works with what you have in order for you to attain more and gain control of your finances. If you overspend, it provides you with a snapshot of what you need to do differently to get back on track with the built-in “accountability partner.” After the free 34-day trial, it costs $ 50 a year and also offers online classes with live instructors to help you learn or brush up on the basics and best practices of budgeting.

Simple

Photo: Simple (Apple iTunes Store)

This online banking app includes tools that allow you to budget and save, all with no fees. Once you set a goal, your Simple account automatically sets aside what you need to save. Goals also work as digital envelopes to store money for all your budget categories. Their Safe-to-Spend feature ensures that you don’t overspend by informing you of what’s left after your goals, scheduled bill payments, and pending transactions. The app does require you to sign up for a Simple Visa® Card and Banking Services are provided by Compass Bank, an FDIC-insured institution.

Mvelopes

If you or someone you know has ever designated envelopes with cash for specific purposes, example: groceries or entertainment, think of Mvelopes as the digital equivalent of that method. It allows the user to categorize their savings and fosters discipline by not allowing you to borrow money from one envelope if another is empty. Mvelopes also sets up a monthly financial plan for you. The basic version costs $ 3.99 a month and a free one month trial ends Jan. 26, 2018. The plus version grants access to coaching sessions and the debt-reduction center.

Photo: Myvelopes (Apple iTunes Store)

Wally

If creating a monthly expense sheet in Excel is intimidating at all to you, Wally makes it easy and manageable by giving you a view of what goes out and what comes in. The creators of the app aim to “give you the tools to understand where your money goes, and empower you to set and achieve financial goals.” The app tracks your expenses by allowing you to take photos of your receipts—a much easier way than having to input every amount you spent.

Photo: Wally (Apple iTunes Store)

Unsplurge

If you want to make that business idea a reality, buy that new smartphone, or finally take a trip to your dream destination, Unsplurge can help by allowing you to save up for that specific splurge expense. It contains a social component where you can share your financial goals and progress to the app’s social community, including your friends or family. If you’re falling short of meeting that goal, they can give you a reminder or tips, motivating you once again to keep your eyes on the prize.

Photo: Unsplurge (Apple iTunes Store)

Qapital

NerdWallet dubbed Qapital as best for goal-setting. Whether it’s a dream to head somewhere or simply become better at saving, this app moves your money automatically using various methods or rules that keep you accountable. Just input your goal and how much you need to reach it.  After that, you can choose to place loose change from your credit card into an FDIC-insured savings account, set up daily, weekly or monthly automatic deposits toward your goal, save a percentage each time you get paid or opt for the 52 week rule where you save $ 1 in week one, $ 2 in week two and so on until you reach 52 weeks.

Photo: Qapital (Apple iTunes Store)

The post 12 Great Apps To Save More Money and Jump-Start Your Financial Freedom in 2018 appeared first on Black Enterprise.

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Millennials and Gen Xers are Twice as Likely to Save More Money in 2018 Than Baby Boomers

At the end of each year, many Americans vow to save more money and spend less as a New Year’s resolution. However, achieving this goal often requires a commitment to learn and practice smarter money habits and lots of discipline, which, of course, is easier said than done. Saving more, however, may be even more challenging for the majority of older Americans, who are less likely to make that a priority than for those who are middle-aged or just graduating from college.

A newly released survey conducted in October by Harris Poll on behalf of CIT revealed that Generation X and Millennials are at least twice as likely as Baby Boomers to prioritize saving in 2018. According to the study, 67% of Millennials and 54% of Gen Xers plan to include savings as a goal next year compared to just 27% of Boomers. The majority of all generations, however, say they will prioritize savings for emergencies: 63% of Gen Xers, 61% of Millennials, and 51% of Boomers. (The survey defined Millennials as those between the ages 18 and 36, while Gen Xers are considered 37 to 51 years old, and Boomers are 52-plus.)

“Gen Xers are in the prime earning stage of life and understand the importance of saving for both short- and long-term expenses,” said Ravi Kumar, head of Internet Banking at CIT Bank, in a statement. “High Yield Savings Accounts can be a smart choice to allow your savings to grow, while still having access to funds for short-term goals or emergencies. CDs are a good solution for longer-term savings goals.”

Gen Xers and Millennials are also more likely to take advantage of money-saving strategies and innovative products like software-based apps. Thirty-nine percent of Millennials and 35% of Gen Xers agreed that new bank programs make it easier to save compared to only 21% of Boomers. Meanwhile, 41% of Millennials and 21% of Gen Xers consider lower interest rates on loans as a good tool to save versus 16% of Boomers.

 

The post Millennials and Gen Xers are Twice as Likely to Save More Money in 2018 Than Baby Boomers appeared first on Black Enterprise.

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Save 2 full paychecks in 2018 with this simple budgeting trick

If you want to get out of debt, stash away more for retirement or control excessive spending, making a simple tweak to your budget in 2018 could save you thousands of dollars!

I’ve been using this budgeting strategy for more than a decade to painlessly save two full paychecks a year.

RELATED: My 7 best money-saving tips for 2018

Paid biweekly? Here’s how to set up your budget

Here’s an example: Let’s say that after taxes, health insurance and retirement savings are deducted, your employer deposits a check for $ 1,000 into your checking account every two weeks.

Since there are 52 weeks a year, that’s 26 checks. Your annual take-home pay is $ 26,000.

If you’ve always been paid this way, you may not realize that you’re receiving two more paychecks a year than someone who’s paid twice a month.

Twice a month = 12 months x 2 = 24 checks
Every other week = 52 weeks / 2 = 26 checks

If you’re paid every other week, you’ll receive two paychecks a month, except for the two months of the year when you’ll get three paychecks.

March and August are my 3-paycheck months for 2018, but yours may be different depending on your pay calendar.

Treat the third paychecks as ‘bonus’ money

Here’s where the budgeting trick comes in. With the help of an online budgeting tool, I set my projected monthly income based on receiving two paychecks a month and nothing else.

Because those 3-paycheck months only come twice a year, I treat those checks like bonus money!

Maximize your 3-paycheck months

Need some ideas? When I was paying off my $ 86,000 mortgage in two years, I would use those “extra” paychecks to reduce the principal balance.

But you could use that money to reach other financial goals as well:

  • Pay off a debt
  • Contribute to a retirement account
  • Add it to the new car fund
  • Pay an insurance policy (auto, home, life)
  • Grow your emergency fund
  • Erase student loan debt
  • Start a vacation fund
  • Save up for a home renovation

Get a plan together now!

If you decide to use this strategy, the key is to make a plan for your third paychecks well ahead of time so that you spend your money wisely when that direct deposit hits your account.

More Clark.com money-saving tips and tricks:

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Meaningless or not, Packers’ shutout loss does little to save face in lost year

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Interview: Guillermo del Toro on How Making ‘The Shape of Water’ Helped Save His Life

Interview: Guillermo del Toro on How Making 'The Shape of Water' Helped Save His Life

It's not all too common to refer to a movie about a sea creature as being beautiful, elegant and one helluva tearjerker, but that's exactly the best way to describe Guillermo del Toro's magnificent new film, The Shape of Water. In it, Sally Hawkins stars as a mute woman whose janitorial job at a mysterious laboratory leads to her uncovering of a sea creature being held captive and experimented on. She befriends the creature, then puts forth a plan to save it without being detected by…

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The Drinks That Will Save Your Holiday Party

Whether you love or hate Eggnog, it wouldn’t be the holidays without a cup of the creamy cocktail. In this episode of podcast Life Behind Bars, hosts Noah Rothbaum and David Wondrich discuss the surprisingly long history of the traditional Christmas drink as well as share some of their other favorite seasonal beverages, including a flaming German punch and the British Tom & Jerry. (FYI The cartoon was actually named for the popular drink.) No matter if you’re the host or a guest, this episode may just save your holiday party!

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

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God Save Us From the Trump-LaVar Ball Battle

Donald Trump went after ubiquitous basketball Dad Lavar Ball this past weekend in a tweet, and TV networks everywhere must have gone mad with glee. This racially loaded and already intensely stupid situation has the potential to buttress ratings for years.  

The backstory: LaVar Ball is the father of a trio of highly talented basketball players who all took an unconventional

This article originally appeared on www.rollingstone.com: God Save Us From the Trump-LaVar Ball Battle

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How to save money while travelling in Latin America

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Latin America has so much to offer those who are looking for a dynamic and adventurous place to visit on vacation. You may have visited this wonderful part of the world, but, if you haven’t, we recommend you visit right now. Now, it might seem like this is going to be a very expensive venture, but, there are actually plenty of money-saving options available to you to help save cash while you’re visiting Latin America.

There are plenty of excellent tips you can find online that will help you save money and have a better experience. However, we like to think that the tips we are offering here are specific to Latin America. Check out these awesome ideas and suggestions that will really play a big part in allowing you to save cash on your visit to Latin America.

Take the cheaper bus

It might seem like it’s the right choice to pay more and get a more comfortable, swanky, and luxurious bus, especially when you’re heading for a long journey. However, we are focused on trying to save as much money as we can on the trip, and that’s the main goal here. So, in order to save plenty of money on travel, you need to make sure you take the more basic bus – sometimes known as the ‘chicken bus.’ These are dirt cheap, and the perfect way of getting from A to B.

Do your own tours

Whenever we go abroad, it’s tempting to try to book and organize local tours. These are a great way of ensuring you get a new experience and soaking up some of the wonderful culture of Latin America. But, these tours are usually overpriced, and you will almost definitely be able to get a more cost-effective trip by sorting it out yourself. Make sure you hire bikes and make your own way around famous sites, such as Chile’s Luna Valley. It will save you money, you’ll get to avoid the crowds, and, as a bonus, you’ll keep fit in the process.

Always eat local

There’s a temptation when you are abroad to stick with what you know, and eat at restaurants that have that flicker of familiarity. The problem is, these restaurants are often much more expensive and can drain your budget pretty sharpish. So, the best thing to do is to make sure you always try to eat local. We think this is the best approach anyway because you get a wonderful amount of culture and experience from trying local foreign cuisines. And, you might even wind up trying something you’ve never had before!

Pick your flights sensibly

It’s actually amazing how much money you can save if you are clever about booking your flights. This is especially important if you are flying to somewhere in the back end of nowhere. When you’re going to book your flights, you need to make sure you aren’t overpaying. So, the first thing to do is avoid the airline’s direct website, where you will invariably overpay. Google or Skyscanner are often the best resources for ensuring you get the best deals, and manage to get your flights for much less money.

We feel these tips are essential if you are serious about wanting to save money on your trip to Latin America. There are some other techniques you can adopt as well, such as opting to go self-catering. Saving yourself money upfront is crucial, and will really help you to shave pennies off the overall cost of your Latin American adventure.

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The post How to save money while travelling in Latin America appeared first on Worldation.

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To keep your wardrobe rotation fresh.

A flirty, fur-trimmed top is made for Saturday nights out. On Olivia Lopez: Staud top; Reformation Mid Crop Flare Jean ($ 128)

Luxe rose-gold satin looks so fresh with an all-white outfit. On Nadia Aboulhosn: By Nadia Aboulhosn Ayla Duster ($ 70); ASOS Curve Ridley High Waist Skinny Jeans ($ 40); Violeta by Mango Essential Cotton T-Shirt ($ 20)

Who says your going-out outfit has to consist of a body-con dress and heels? Go for cool utility pants and combat boots on the weekend and never complain about your feet hurting again. On Patricia Manfield: A.L.C. Stone Fur Coat ($ 2195); I Am Gia Electra Pant ($ 115); AllSaints Cony Boot ($ 348)

When in doubt, all black never fails. On Danielle Bernstein: Noisy May Rino Sateen Bomber Jacket ($ 35); Danielle Guizio Sheer Bodysuit ($ 63); Proenza Schouler Belted Wool-Blend Twill Straight-Leg Pants ($ 990); Balenciaga Spandex Sock Boots ($ 925)

A satin jacquard dress and top-handle bag are the retro-chic pieces your weekend wardrobe needs. On Madelynn Furlong: Vintage dress; Courrèges bag; Céline Pirate Leather Mule ($ 765). Similar Styles: AlexaChung Mandarin Collar Brocade Mini Dress ($ 625); 3.1 Phillip Lim Alix Mini Top Handle Satchel ($ 850)

Dress up your favorite pair of black jeans with a statement top and heels. On Rocky Barnes: House of Harlow 1960 x Revolve Azalea Top ($ 138); Alice McCall There You Go Flares ($ 260); Raye x Revolve Monroe Mules ($ 158)

A little bit of mesh goes a long way. Mix the sheer piece in with feminine lace and embroidery. On Alyssa Lynch: Zara Embroidered Denim Jacket ($ 90); Only Hearts Turtleneck Top ($ 56); Aritzia Claribel Skirt ($ 98); Anine Bing Katya Bag ($ 500); Schutz Anaflor Block Heel Boots ($ 290). You can wear these six pieces from 10 a.m. to 10 p.m.

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Apple’s offshore move has helped save them billions in taxes

Apple quietly sidestepped a crackdown on its much-maligned Ireland tax avoidance practice by moving its overseas operation to the tax haven of the Channel Island of Jersey, documents leaked from an offshore law firm revealed. The move, beginning in 2015, allowed Apple to continue to avoid paying billions of dollars in taxes. Apple, the most…
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Inside Jesse Paris Smith’s Bold New Plan to Fight Trump and Save the Planet

Jesse Paris Smith remembers the exact day she became a climate activist. Late on a school night, in a Manhattan deli, frantically skimming the New York Times to finish a last-minute homework assignment in 10th grade.

"I loved nature, so these words like global warming, greenhouse gases, fossil fuels struck me," Smith, 30, says while sitting in a Midtown Manhattan conference room.

This article originally appeared on www.rollingstone.com: Inside Jesse Paris Smith’s Bold New Plan to Fight Trump and Save the Planet

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If your child has ADHD, these 4 tips could save your mornings

by

Michelle Stein

posted in Parenting

Navigating the morning rush with young children can be incredibly stressful. Getting everyone dressed, eating breakfast, making sure lunches are packed and backpacks are ready to go, putting on shoes and jackets, and finally loading up everyone in the car is no easy feat. And when your child has attention-deficit/hyperactivity disorder (ADHD)? Well, it can add a whole other layer of stress to an already time-crunched routine.

“Children with ADD typically have a hard time waking up, staying on task and navigating the complicated rituals that families go through in the morning,” Dr. Ed Carlton, founder of the Carlton Neurofeedback Center and author of the book The Answer, said in a news release. “It’s a recipe for stress and conflict, but it doesn’t have to be that way.”

My 6-year-old son was diagnosed with ADHD in January. Although he does take medication to help manage his symptoms, the following four tips offered by Carlton have definitely helped our mornings run more smoothly:

1) Establish a routine. Sitting down with your child and talking about expectations for a morning routine can go a long way. (And using a chart or a checklist can serve as valuable visual reminders.) Simply giving your child more time to get ready in the morning is never a bad idea, either, Carlton explained. “You can account for difficulty waking up and trouble focusing by setting earlier bedtimes or waking up earlier,” he said. Reducing morning distractions —  like TV or video games — can help your child stick to this routine.

Before school started this fall, we talked with our first-grader about what we expect of him in the mornings. If he wakes up and it’s after 7 a.m., he’s allowed to go downstairs, use the bathroom, get dressed and grab something to eat. (He has an alarm clock in his room.) But if it’s before 7 a.m., he needs to try to go back to sleep or lie in his bed quietly. Establishing these parameters has helped him know what needs to be done and when.

2) Prepare as much as possible the night before. “Reduce fights about what to wear and what to eat in the morning by deciding the night before,” Carlton said. “School lunches, snacks and water bottles can be packed in the evening and backpacks can be ready to go.”

This is a big one for my family. Each morning, there’s already a snack ready to grab for my toddler, my pre-schooler’s and first-grader’s backpacks are ready, and my first-grader’s lunch is packed — plus all of their clothes are set out. Doing the prep work the night before eliminates so many steps in the morning, when my son has a more difficult time staying on task. Plus, it’s less rushed and less stressful for everyone.

3) Make breakfast count (bonus points if it’s portable.) Keeping a selection grab-and-go foods that are also good sources of protein can be a life-saver. Things like yogurt, boiled eggs, protein bars, oatmeal and cheese sticks are all winners. “The goal is to get some nutrition in your child’s tummy before they head off to school, so get creative if it helps,” Carlton said, in the news release.

We’ve found out the hard way what a breakfast of sugary cereal does to my son. Not. Fun. For anyone. Oatmeal, a microwave breakfast sandwich or yogurt are all much better breakfast options for him.

4) Set aside time for an energy release. “They can go for a swing, dance in the living room, play with the dog, whatever is fun for them,” Carlton said.

I’ve found that setting aside a little time before school to release energy helps my 6-year-old with ADHD. (It can also be used as an incentive if morning tasks are done on time.) My son loves watching videos on GoNoodle, or really, dancing along to any fun song for kids on YouTube.

It’s worth noting that (at least in my experience) there will be good days and bad days when it comes to morning routines with kids with ADHD — even if you follow all of these tips. Still, this advice can serve as an excellent starting point for children who are newly diagnosed. It’s done wonders for us.

If you have a child with ADD or ADHD, what’s worked for you?

Images by Michelle Stein, iStock

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Stars Come Out for VH1 Save The Music Foundation 20th Anniversary Gala

On Monday, VH1 Save The Music Foundation held its 20th Anniversary Gala in New York. The nonprofit has spent the last 20 years revitalizing public school music programs, supporting the professional development of music teachers, and providing $ 53 million worth of new musical instruments and other resources to more than 2,000 public schools across the country.

Joining the Foundation in celebrating this milestone included award-winning actress, singer, songwriter, and producer Queen Latifah, a Newark, New Jersey, native who was honored for her contributions to music and her work with low-income students. Queen Latifah and the Foundation recently announced a five-year, $ 5 million effort to revive music education in 38 schools in her hometown.

 

Other honorees on hand included Steve Aoki, who received the Music Innovator Award. A Grammy Award-nominated DJ and producer, Aoki was recognized for the impact he’s had on the music industry, his philanthropy through the Steve Aoki Charitable Fund, and his advocacy of music education.

Toyota, which served as an event sponsor, acknowledged the work of DJ Khaled with the #ToyotaGiving Award for his role as a champion of school music programs and his work as the national spokesman for the VH1 Save The Music sister organization GET SCHOOLED.

 


VH1 Save The Music 20th Anniversary Gala: (from left) DJ Khaled and Steve Curtis. (Image: Jason Kempin, Getty Images)

 

“I am deeply humbled by the opportunity to be a part of the amazing work that VH1 Save The Music does,” Queen Latifah is quoted as saying in a statement. “This is bigger than just teaching kids how to play instruments—it’s about using music to bring communities together and giving all children a shot at a brighter future. This work can’t stop until every child can access music programs as part of their education.”

“I’m honored to be here to celebrate VH1 Save The Music’s 20th anniversary,” Steve Aoki said in his acceptance speech. “Thank you for this award. Tremendous work has been done bringing back music programs to students across the country. I’m proud to be included with a group of incredible musicians who give back to their communities. I don’t know where I would be without music. These incredible programs will help build the future of music, and I can’t wait to see what the next 20 years of music technology will bring to kids!”

 

VH1 Save The Music 20th Anniversary Gala: (from left) Executive Director Henry Donahue, Queen Latifah, Whitney Keaton, Raphael Raii Smith. (Image: Jason Kempin, Getty Images)

 

Speaking of technology, VH1 Save The Music isn’t neglecting it, since tech has had a huge impact on the world of music. The Foundation’s new Music Tech Grant, introduced at the gala by Steve Aoki, will invest in American public high schools to fund the hardware, software, and musical instruments needed for audio engineering, recording, and production.

“Not all children in America are afforded the same chances to succeed, but we believe in the power of music to help students fulfill their potential. That’s why we are more committed than ever to bringing music education to students who need it most,” said Henry Donahue, executive director of VH1 Save The Music Foundation, in a statement.

“Not only is music education proven to help students be more successful, but we believe it’s every child’s right to access music and art within their school and community. With the continued support of our partners in communities across the U.S., we can help make music an essential piece of every child’s education in the next 20 years.”

To learn more about the work of VH1 Save The Music Foundation, visit its website.

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How the Apple Watch’s heart rate sensor helped save a man’s life

Apple Watch

For as helpful as the Apple Watch is for keeping up with notifications and keeping tabs on your fitness, it’s easy to forget that the increasingly popular wearable also has the ability to help save lives. This past Friday, James Green sent out a tweet explaining how the heart rate sensor on the Apple Watch did just that.

After receiving a notification that his heart rate was abnormally high, Green — who was using the iOS app HeartWatch to monitor his heart rate readings from his Apple Watch — went to the hospital to get things checked out. As it turns out, Green had a pulmonary embolism, a serious ailment that occurs when a blood clot is present in the lungs. Notably, a rapid or irregular heartbeat are just two of the few symptoms that often manifest when an individual has a pulmonary embolism.

Continue reading…

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Want to save big on insurance? Try bundling

It seems insurance premiums always continue to creep up no matter if you’ve had a recent claim or not. The external factors that could contribute to the rise are not only too complex for the average insurance customer to understand, but in many cases totally out of their control.

So if you want to save on insurance premiums, options are sparse — but there is hope. A new Quandrant Information study commissioned by InsuranceQuotes.com finds that consumers who choose to bundle multiple premiums can possibly save big money.

The study uses a hypothetical consumer — a 45-year-old married woman who lives in the South — to show how combining premiums into one package can save insurance customers a decent amount of cash.

Bundling your insurance premiums can lead to big savings

In the example listed in the study, the insurance customer mentioned above is from Mississippi and has a bachelor’s degree, no coverage lapses and top-notch credit. By combining her auto and homeowners insurance, she can expect to save an average of 23% on her annual premium, the study shows.

Of course, what you save will vary depending on where you live and your personal history of credit, accidents and other factors. One person may be able to cut their insurance premium in half while the other may only see little savings.

According to the study, the average discount for bundling home and auto is at 16%, while bundling auto and renters insurance will save about 8% on an annual premium.

The real reason bundling insurance premiums saves you money

Now why would bundling be cheaper? If you think insurance companies are doing this because they’re looking out for you, think again. They’re doing it because it’s a tried and true tactic to keep customers.

“This all comes down to competition,” Tennessee-based insurance broker John Hatcher says. “There are so many companies out there that can offer lower rates that it’s become harder to keep customers long-term. But the more policies you have with one insurer the longer you are likely going to stay with that company.”

States in the South offer the biggest savings, according to the study, with Louisiana (where customers can save a whopping average of $ 590 a year on average) being No. 1. Here are the states with the largest percentage premium discounts on average due to bundling home and auto insurance.

  1. Mississippi — 23.2% discount
  2. Arkansas — 22.6% discount
  3. Missouri — 22.5% discount
  4. Illinois — 22.5% discount
  5. Minnesota — 22.4% discount

And here are the five states with the smallest percentage premium discounts on average due to bundling home and auto insurance:

  1. Florida — 6.7% discount
  2. Hawaii — 10.6% discount
  3. New York — 11.5% discount
  4. Vermont — 11.6% discount
  5. Connecticut — 12.1% discount

Don’t overpay for homeowners insurance

RELATED: Best and worst insurance companies


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