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Shares of Japanese video game maker Nintendo plunged on Wednesday after the company announced a delay in the launch of a highly anticipated video game, "Animal Crossing: New Horizons."
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The Money Snapshot: A CPA Shares Thoughts on Her Side Gig and Saving for Retirement

Presenting our fifth “money snapshot,” this time with a CPA in Arizona! She notes: “I save approximately $ 40,000 after tax a year. This is my side-job income after tax. I try and spent half of it on meaningful purchases such as building my current house, and save the rest long term. … [My goal is to] pay off my house and afford to live on only my side-job income.”

By way of background: We got a few requests from readers to launch our own “money diary” series, so we’ve asked willing readers to fill out a form with lots of details about debt, spending, saving and more! If you’d like to fill out the form and be considered for a future personal money snapshot, please click here to submit your response! You can see a PDF of the questions if you want to review them ahead of time. See others in the Personal Money Snapshot series here.

Please remember that this is is a real person who has feelings and isn’t gaining anything from this, unlike your usual friendly (soul-deadened, thick-skinned, cold-hearted, money-grubbing) blogger — so please be kind with any comments. Thank you! — Kat

Name: AZCPA
Location: Arizona, LCOL
Age: 38 [now 39]
Occupation: CPA
Income: Salaried job: $ 155,000. Side job $ 55,000 gross, $ 46,000 net
Partner’s age: 43 (live together, intentionally not married, not having children)
Household income:
$ 220,000
Net worth: Not including partner, net worth $ 400,000
Net worth when started working: Worked part time in high school (16). Started FT at 22 after college — net worth was $ 5,000.
Living situation: Own 4/2 single-family home, mortgage $ 2,000/month.

We asked what AZCPA meant when she wrote “intentionally not married,” above, and she explained: 

I wrote that to indicate that we were stable/happy as we are, rather the necessarily seeing this as a step towards marriage, or that I’m waiting for him to propose or anything. There is a financial impact — we’d pay a ton more in taxes, and my boyfriend is likely going to do another degree; he’ll get infinitely better financial aid single. But if we were dying to get married we’d probably do so regardless. 

Debt

What does your debt picture look like?
Mortgage $ 300,000, car $ 20,000. No CC or other debt.

How much money are you spending each month to pay down debt?
$ 2,400 on mortgage and car combined

How did you pay for school?
Scholarships and one 30-hour/week job

Have you paid off any major debt?
n/a, never had non-mortgage/vehicle debt

Home debt: 
My current home is the third I’ve owned. First was at 24; built current home in 2017. This is intended as the permanent/dream home. Looked at existing homes for two years before deciding to build a semi-custom home (chose from four set floorplans in a 24-home new subdivision, but all interior finishes and many options such as bathrooms were custom). Based on income and assets, wanted to pay ~$ 350,000 for the house and planned $ 50,000 for backyard, furniture, etc. Took out a $ 300,000 30-year mortgage and paid cash for the rest. Was an optimal price point for the area and features — well above median for Tucson, but easy to sell if needed. Am inside city limits, with all city services (a huge perk in Tucson, as “rural” fire and water service are very expensive). A similar home in an equivalent area in Austin inside the city limits would be $ 750,000, or $ 1.2M in San Diego (other places I looked to live).

Savings, Investments & Retirement

How much do you save for retirement?
$ 25,000/year

How much money do you allocate to other tax-savvy investments/accounts?
When I could do an HSA, I put in the max allowed. I currently have an FSA, and I contribute ~$ 2,000 annually. No 529s, as no kids.

How much do you save outside of retirement accounts?
I save approximately $ 40,000 after tax a year. This is my side-job income after tax. I try and spent half of it on meaningful purchases such as building my current house, and save the rest long term.

Talk to us about investments.
I keep it simple, using target funds and index funds. When I bought my first Mac in 1998 I also bought $ 1,000 in Apple stock, which I still have.

Do you have an end goal for saving or are you just saving for a rainy day?
I want to pay off my house and afford to live on only my side-job income.

When did you start saving seriously? How has your savings strategy changed over the years?
I’ve always been a saver.

How much do you have in cash that’s available today?
$ 5,000

How much do you have in cash that’s available in a week?
$ 77,000

How much is in your “emergency fund,” and where do you keep it?
$ 50,000, included in above

How much do you have in retirement savings?
$ 350,000

We asked AZCPA about her impressive retirement savings and whether she’s planning to retire early: 

I honestly don’t know. I really just want enough savings to be able to be flexible and enjoy wherever life takes me. Since I’m hoping to live on my side job once the house is paid off, I’d like to front-load my retirement as much as I can now, while I have a higher income.

How much $ do you have in long-term investments and savings (CDs, index funds, stocks) that are not behind a retirement wall?
$ 50,000

If property values (home, car) are included in your net worth, how much are those worth?
home $ 400,000, car $ 24,000

AZCPA told us more about her job on the side: 

My side gig is a boutique tax practice (my main job is tax-related for a major corporation). I was in public accounting a long time and had a number of clients who desperately wanted to stay with me when I left. That was the start. Now I have part-time employees to assist me as the business grows. I was super used to working tons of hours at a CPA firm (like 100 a week), so even two jobs doesn’t feel that hard on comparison. The side gig is somewhat seasonal, so a lot of the year its only five hours or so a week.

Spending 

How much do you spend on the following categories on a monthly basis?

Groceries: $ 400
Restaurants, bars, takeout, and delivery:
$ 400
Clothing and accessories: $ 800
Transportation: $ 475
Rent/living expenses: $ 2,500
Entertainment: $ 25
Health care — premiums and other costs: $ 25/month for insurance through employer

What’s your spending range for these things? What’s your average?

Vacations – Range: $ 500–$ 8,000
Vacations – Average:
$ 4,000

Individual items of clothing – Range: $ 40–$ 300
Individual items of clothing – Average: $ 30 for tops, maybe $ 50 for pants/shoes — I buy almost exclusively on sale or Poshmark for those items. But I do own two four-figure designer bags (both purchased at half their MSRP from Poshmark), which would drive up the average dramatically!

Apartment or house – Range: $ 200,000–$ 400,000
Apartment or house – Current main residence:
$ 400,000

Car or other vehicle – Range: $ 15,000–$ 50,000
Car or other vehicle – Last purchase / current main vehicle: $ 35,000

Fill in the blank on this question: I could save _____ if I stopped ______, but I don’t because _______.
I could save $ 500/month if I stopped eating out, but I don’t because I enjoy it.

At any point in your life to date, has inheritance played a role in your money situation?  
Never 

Money Strategy

Do you have a general money strategy? 
No 

What are your favorite resources for personal finance?
Mint

What advice would you give your younger self about personal finance?
Keep saving.

Photo credit: icons via Stencil. 

The post The Money Snapshot: A CPA Shares Thoughts on Her Side Gig and Saving for Retirement appeared first on Corporette.com.

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Cree Cuts Q4 Guidance; Shares Down – Quick Facts

Cree, Inc. (CREE) reduced its guidance for the fourth quarter of fiscal 2019 due to the impact from Huawei matter, and also due to the softer than projected demand for the company’s LED products. In May, the Bureau of Industry and Security of the U.S. Department of Commerce added Huawei Technologies Co. to a Entity List.
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Dollar General Shares Jump As Q1 Profit Tops Estimates; Affirms Outlook

Dollar General Corp. (DG) reported a strong top- and bottom-line growth, for the first-quarter ended May 3, 2019. Same-store sales were up 3.8% due to increases in both average transaction amount and customer traffic. Looking forward, the company reiterated fiscal 2019 financial guidance and store growth outlook.
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Asian Shares Mostly Lower As Trade Worries Deepen

Asian stocks closed mostly lower on Monday as worries about rising trade tensions stoked fears of a global recession. In addition to the U.S.-China trade war, U.S. President Donald Trump’s decision to impose tariffs on all Mexican imports weighed on investor sentiment. On Sunday, China published a white paper that said the U.S. should take responsibility for the setback in trade talks.
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Little People, Big World’s Tori Roloff Shares First Baby Bump Photo

There it is! Tori Roloff, who is pregnant with her second child with husband Zach Roloff, revealed her growing baby bump on Friday, May 31.

“Baby is starting to make her appearance,” the Little People, Big World star, 28, captioned a mirror selfie that showed her smiling as she cradled her bump while wearing a dark red dress.

Pregnant Tori Roloff Shows Off Growing Baby Bump in New Pic
Tori Roloff showing off her bump. Courtesy of Tori Roloff/Instgram

The TLC stars, who wed in 2015 and already share a 2-year-old son named Jackson, revealed their baby news exclusively to Us Weekly on May 13.

“We are so excited to announce that Jackson is going to be a big brother!” they told Us exclusively. “We cannot wait to meet our sweet baby girl!”

The couple posed with their son in a photo announcing the happy news, sharing a sonogram pic as Jackson wore a “Big Brother” tee.

Pregnant Tori Roloff Shows Off Growing Baby Bump in New Pic
Tori Roloff and Zach Roloff TLC

Zach, 29, and his wife spoke to Us exclusively in April about their plans to expand their family.

“We have plans,” Zach told Us. “We want a family. I would love four or five kids. I want a little pack. Right now, we’re just kind of [like], if it happens, it happens.”

“It’s just on God’s timing and just whenever,” Tori added. “We’re ready for it.”

The pair also spoke to Us earlier this month about their son, who like his dad is a little person.

“Thank the Lord, Jackson hasn’t really had any significant [health struggles],” Zach told Us last month. “He’s had a couple ear infections, which can be common with dwarfism. There’s a lot of potentials, but for now it’s too early to tell. We actually have the same pediatrician for him that was my pediatrician growing up, so that’s been really nice because he’s familiar with dwarfism and those things. In Portland, [it’s] a little harder to find a pediatrician that has that experience with dwarfism.”

Tori opened up about her son in an emotional post on Sunday, May 26, writing, “I often forget that my son is any different than yours.”

“I forget that he has shorter legs, because he can get around and run just like any other 2 year old,” she continued in the caption that showed Jackson holding his parents’ hands. “I forget he has short arms, because he can still reach everything around the house (even the stuff we don’t want him to). I forget that he’s different because he’s so capable and I see nothing other than my mister mister.”

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I often forget that my son is any different than yours. I forget that he has shorter legs, because he can get around and run just like any other 2 year old. I forget he has short arms, because he can still reach everything around the house (even the stuff we don’t want him to). I forget that he’s different because he’s so capable and I see nothing other than my mister mister. Today pointed out that he is different and that’s never going to change. He watched as kids (many younger than him) rode rides at a festival here in town and he wasn’t able to join. Jackson wanted so bad to ride the airplanes that went up and down but the height requirement wouldn’t allow him to (which I totally understand!). It was harder for me than it was for him for sure. It was really the first time I was hit in the face with the fact my child is different. Im so proud of my husband and his outlook on it all and even more proud of my son who brushes things off with ease and I pray they both continue to do this. In the words of @jeremyroloff : if a bad attitude would fix it- I would have one. This was also just a reminder of why I love @disneyland so much: the land of no height requirements! This kid is meant to bring light to this world this I know for sure. #babyjroloff

A post shared by Tori Roloff (@toriroloff) on

“Today pointed out that he is different and that’s never going to change,” Tori explained. “He watched as kids (many younger than him) rode rides at a festival here in town and he wasn’t able to join. Jackson wanted so bad to ride the airplanes that went up and down but the height requirement wouldn’t allow him to (which I totally understand!). It was harder for me than it was for him for sure. It was really the first time I was hit in the face with the fact my child is different. Im so proud of my husband and his outlook on it all and even more proud of my son who brushes things off with ease and I pray they both continue to do this.”

Quoting her brother-in-law Jeremy Roloff, she concluded, “If a bad attitude would fix it- I would have one. This was also just a reminder of why I love @disneyland so much: the land of no height requirements! This kid is meant to bring light to this world this I know for sure.”

Little People, Big World airs on TLC Tuesdays at 9 p.m. E.T.

Us Weekly

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The Money Snapshot: A Government Worker Shares Thoughts on Pensions, Retirement, and Rapid Income Growth

text over icons reading "A 33-Year-Old Government Worker Shares Her Money Snapshot"

Presenting our fifth money snapshot, this time with a government worker in the Northeast! She notes: “Our income has grown rapidly in the last several years — in 2011 we made $ 32,000 (together), in 2014 we made $ 135,000, and in 2018 we will make approximately $ 235,000. Because of the timing of my husband’s schooling, we were in a position of playing catch-up on our retirement accounts, specifically his accounts, but we look to grow our overall financial portfolio in the coming years.”

By way of background: We got a few requests from readers to launch our own “money diary” series, so we’ve asked willing readers to fill out a form with lots of details about debt, spending, saving and more! If you’d like to fill out the form and be considered for a future personal money snapshot, please click here to submit your response! You can see a PDF of the questions if you want to review them ahead of time. See others in the Personal Money Snapshot series here.

Please remember that this is is a real person who has feelings and isn’t gaining anything from this, unlike your usual friendly (soul-deadened, thick-skinned, cold-hearted, money-grubbing) blogger — so please be kind with any comments. Thank you! — Kat

Name: Clementine
Location: MCOL medium-sized city in the Northeast
Age: 33
Occupation: Government  
Income: $ 92,000
Family members: Husband, 37 (engineer with extensive work travel), and a 3-year-old who recently told me they are planning on being a dinosaur when they grow up.
Household income:
$ 235,000
Net worth: Outside of retirement accounts, our net worth is approximately $ 100,000. My husband has approximately $ 250,000 in retirement accounts plus a small pension account, while I have a defined benefit pension.
Net worth when started working: I started working at 14, used scholarships and worked through college and grad school, and graduated at 23 with approximately $ 25,000 in debt (not bad for no parental support!). My husband had been in the military and went to school utilizing the GI Bill, graduating at 30 with approximately $ 20,000 in debt. While he was in school, my career was in a holding pattern, but I was quickly able to build my career once he graduated and we relocated.
How much debt do you have? $ 5,000 in student loan debt that will be paid at the end of the year [2018], $ 35,000 car note with a low interest rate, $ 300,000 left on our mortgage. 
Living situation: Own — mortgage + taxes + insurance is $ 2,200/month.
How much do/did you spend for childcare and/or education? $ 1,000/month
Is there anything else we should know about you?
Our income has grown rapidly in the last several years — in 2011 we made $ 32,000 (together), in 2014 we made $ 135,000, and in 2018 we will make approximately $ 235,000. Because of the timing of my husband’s schooling, we were in a position of playing catch-up on our retirement accounts, specifically his accounts, but we look to grow our overall financial portfolio in the coming years.

Debt

What does your debt picture look like?
We are down to minimal student loans (subsidized only, we utilized the snowball method of paying off our highest interest loans first). We do not carry credit card debt as a habit, but do have a car note which we were able to get at a lower interest rate than the average return on our investments for the past few years. Our mortgage interest rate is also very low; however, it is psychologically important to my husband that we pay that off sooner rather than later.

We asked Clementine how she and her husband handle differing opinions on finances, such as the mortgage question: 

My husband and I are both very rational people — we joke that because we’re both Libras, we just talk and talk an issue until we reach balance. We also do a very good job of picking our battles and understanding the other person’s needs.

How much money are you spending each month to pay down debt?
We have prioritized student loan debt and have paid (on average) an additional $ 1,000/month for the last two years to eliminate it. Our next priority is paying off our car note; however, the interest rate is low enough where it made more sense to invest those dollars elsewhere and take out the loan.

How did you pay for school?
I didn’t go to my “dream school.” Instead, I took a five-year, full-tuition scholarship at a well regarded state school. I worked as an RA during college to get a free room and a monthly paycheck and worked summers and retail jobs to pay my car insurance and for my meal plan. That being said, I still walked away with $ 25,000 in student loan debt, largely owing to the few semesters I chose not to (or was unable to) RA.

Have you paid off any major debt?
We are so close to paying off our student loan debt I can taste it! I am so tempted to just take money from our emergency fund to pay it off.

Home debt: 
We have a fixed, 30-year mortgage that was a VA mortgage. We were offered the option of reducing our interest rate without paying any closing costs or extending our term and took that option, so our interest rate is 3.5%. We could have been approved for more, but were able to buy a home in our ideal neighborhood for what we felt was a reasonable monthly payment. We make biweekly payments, meaning that we make an extra principal payment annually. It is important to my husband that we pay off our mortgage ASAP; however, I acknowledge that from a financial standpoint it doesn’t make sense.

Have you ever done anything noteworthy to avoid or lessen debt?
We have worked and worked and worked some more. We replaced a 20-year-old car only when it began to have safety/reliability issues and choose experiences and time over material items.

Savings, Investments & Retirement

How much do you save for retirement?
Annually (outside of pensions), we aim for $ 35,000; however, the majority of our retirement accounts are pensions.

How much money do you allocate to other tax-savvy investments/accounts?
$ 1,200 annually (currently) to 529, $ 5,000 to our Dependent Care Advantage Account (for daycare).

How much do you save outside of retirement accounts?
That amount varies based on our ongoing expenses. We do not currently have significant automatic transfers going on; however, we do have a combination of money market accounts (minimum 24 hours to access funds but high rate of return) and linked savings accounts.

Talk to us about investments.
We have a financial planner as well as utilize index funds. We have chosen to diversify our investments at this time so as to not “put all our eggs in one basket.”

Do you have an end goal for saving or are you just saving for a rainy day?
Our financial goal is that if either one of us chooses to leave our jobs and be either a stay-at-home parent or take a major pay cut, that option is on the table.

Here’s what Clementine said when we asked her to elaborate on this goal:

I don’t think it’s likely; however, it’s our security blanket. My husband would be the better stay-at-home parent, and his job is also the job that is harder on our lifestyle (extensive and extended work travel). Ultimately though, he loves what he does and I’ve accepted that as my “price of admission.”

What’s the #1 thing you’re doing to save money, limit spending, or live frugally?
Both parents are still working rather than taking one parent out of the workforce.

When did you start saving seriously? How has your savings strategy changed over the years?
We started saving seriously in 2012, then paid for a wedding (taking out no debt but using those savings), then saved for a house (purchased in 2014), then had some income loss related to maternity leave in 2015, and really started to seriously rebuild our savings accounts in 2016.

Have you ever made a big money move or investment with savings in mind?
We moved our “orphaned” 401K accounts into an employer-subsidized deferred compensation plan, ensuring that we were actively managing all accounts.

How much do you have in cash that’s available today?
$ 18,000

How much do you have in cash that’s available in a week?
$ 50,000

How much is in your “emergency fund,” and where do you keep it?
$ 80,000 (included above), a combination of checking/savings/money market accounts. I did not include any accounts I would incur a penalty for withdrawing (e.g., retirement).

How much do you have in retirement savings?
I have a defined benefit pension plan plus $ 20,000 in an additional retirement account. My pension will pay me 60% of my three highest years of pay plus health benefits. My husband has a small pension (expected to pay approximately $ 1,000/month) plus currently $ 250,000 in retirement savings.

How much do you have in long-term investments and savings (CDs, index funds, stocks) that are not behind a retirement wall?
$ 68,000

If property values (home, car) are included in your net worth, how much are those worth?
Car is worth $ 10,000 more than is owed (included), home is worth approximately $ 100,000 more than is owed. Note that I may not have included that full amount in our net worth.

Spending 

How much do you spend on the following categories on a monthly basis?

Groceries: $ 600
Restaurants, bars, takeout, and delivery:
$ 240
Clothing and accessories: $ 200
Transportation: $ 900
Rent/living expenses: $ 4,000
Kid-related expenses:
$ 1,500
Entertainment: various
Health care — premiums and other costs: $ 150 in monthly premiums, $ 1,000 outside of that, but has varied drastically in prior years.

What’s your spending range for these things? What’s your average?

Vacations – Range: $ 20–$ 12,000
Vacations – Average:
$ 3,000

Individual items of clothing – Range: $ 20–$ 80
Individual items of clothing – Average: tops $ 30, pants $ 40, dresses $ 60

Apartment or house – Range: $ 400–$ 2,200
Apartment or house – Current main residence:
$ 2,200 monthly mortgage (house cost $ 355,000)

Car or other vehicle – Range: $ 0–$ 50,000
Car or other vehicle – Last purchase / current main vehicle: $ 50,000. It was a splurge but chosen for size and safety.

Fill in the blank on this question: I could save _____ if I stopped ______, but I don’t because _______.

We could save a drastically large sum of money if we cut out vacations and several items that are “luxury’ items” (e.g., house cleaner, organic food, etc.); however, I actively choose not to because I have known multiple people in my life who never spent, planning on having a fabulous retirement, and then died suddenly before they got to enjoy that retirement.

If you’re married: When was your wedding, how much did it cost (total), and how much did YOU pay? 
2012, $ 15,000, and we paid $ 14,000 of that.

Tell us about your wedding!
It was great! We focused on what mattered to us and had a fun but elegant party.

Have any large medical expenses for yourself or others played a role in your financial picture?
Yes. We lost a significant amount of income related to pregnancy-related complications and then had approximately $ 13,000 in out-of-pocket costs on top of that lost income.

Are there any other large expenses in your life, now or previously?
We own an older home on which all repairs seem to cost $ 8,000.

At any point in your life to date, has inheritance played a role in your money situation? 
I got $ 10,000 from a grandparent, which I used to pay for some living expenses during graduate school.  

Money Strategy

Do you have a general money strategy? 
Work hard. Make smart choices. Buy less stuff.

What are your favorite resources for personal finance?
NPR’s Marketplace

What advice would you give your younger self about personal finance?
Don’t stress so much about money.

Photo credit: icons via Stencil. 

The post The Money Snapshot: A Government Worker Shares Thoughts on Pensions, Retirement, and Rapid Income Growth appeared first on Corporette.com.

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The stock market would be much lower if it weren’t for companies buying back their own shares

Buybacks have gotten a bad rap from both Republicans and Democrats. But stocks would be trading at a massive discount without them.
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Snap shares jump after report of talks with major music studios

Shares of Snap Inc. jumped as much as 6% Friday on reports that the Snapchat parent wants to expand the ways users can include music in their disappearing messages. Snap, led by Chief Executive Evan Spiegel, is in talks with major music studios — including Warner Music Group, Sony Music Entertainment and Universal Music Group…
Technology News & Reviews | New York Post

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U.S. judge says Qualcomm violated antitrust law; appeal planned, shares plunge

Qualcomm Inc illegally suppressed competition in the market for smartphone chips by threatening to cut off supplies and extracting excessive licensing fees, a U.S. judge ruled, a decision that could force the company to overhaul its business practices.


Reuters: Technology News

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Video: Josh Groban Shares Short Film Spotlighting His Find Your Light Arts Education Foundation

Tonight singer and actor Josh Groban shared a moving short film by his brother Chris Groban spotlighting the work and mission of Josh’s Find Your Light Foundation, an organization that supports and promotes quality arts education for children.
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Genus shares surge on deal to market gene-edited pigs in China

British livestock genetics firm Genus agreed on Thursday to license its know-how on virus-resistant pigs to Beijing Capital Agribusiness Co Ltd, which will seek regulatory approval for the pigs in the world’s biggest pork market.


Reuters: Science News

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Spire.io – Over 50 Million Minutes of Calm Discovered!

AMC Entertainment shares tumble as CEO holds out for ‘Avengers’ rescue

Shares of AMC Entertainment tumbled as much as 10 percent Thursday — even as the theater chain’s CEO predicted “Avengers: Endgame” would come to the rescue. Investors sent AMC’s stock down double digits in midday trading — and down 7 percent at the close — after the world’s largest movie exhibitor posted a first-quarter loss…
Business | New York Post

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Southern Culture Foods Founder and Chef Shares Her Recipe for Success with You

You’ve probably scrolled past editorial stylized dishes on your favorite food blog or on social media. But it’s not every day that you learn about the business behind culinary entrepreneurship. Yes, it’s an entire industry. And if you’re ready to learn how to take the heat in the kitchen, Chef Erica Barrett, founder and CEO of Southern Culture Foods, wants to help you learn the recipe for success as a food entrepreneur.

Since launching her company in 2012, Southern Culture Foods products are being sold in 4,000 stores nationwide. And we hear that her pancake mix, waffle mix, and rubs are popular by demand! So, if you’ve been sitting on a family recipe, want to learn more about the science of cooking, or become an entrepreneur and food personality like her—she has you covered.

Barrett took a moment from throwing down in the kitchen to talk about all things food and business. Take a look at her bite-size tips for food entrepreneurs.

BLACK ENTERPRISE: There are years of training that goes into becoming a chef, how can those interested in food entrepreneurship learn the basics without formal training?

Erica Barrett: Being an entrepreneur is about figuring things out. When you embark on a food journey, you embark on the road less traveled. Read articles, research everything, exhaust all resources, reach out to people that you admire. Make mistakes as experience is the best teacher.

How did you turn your career as a chef into a successful business, Southern Culture Foods?

I really didn’t do anything outside of step out on faith. God did the rest. My journey has been an everyday journey of learning, growing, networking, structuring my goals, and working tirelessly to make Southern Culture a household name.

What is the secret sauce to the business of culinary entrepreneurship?

The secret sauce is learning about the food industry every day, studying trends, and striving to be extremely different.

You wrote the cookbook, Shuga & Seoul, which seems like a natural move for a chef but what did you learn about culinary entrepreneurship through that process?   

Writing a book taught me about structure, being organized, and creating a culinary road map for others to follow.

How important is it for food entrepreneurs to position themselves as personalities and build their social media presence?

Social media is huge and can be life-changing. Don’t be afraid to be yourself, separating yourself comes from being totally different. We have an opportunity to change the world through food, so don’t take it lightly.

Have you been able to monetize your online presence? If so, what advice do you have for other food entrepreneurs?

Yes, I use FB ads; I also do influencer ads, videos, FB lives and email lists. Building a community online is important to success. My advice is to find your unique calling in food and trust your gut. Be bold in who you are as a chef an entrepreneur and success will follow.

If you want to hear more from Barrett, join us in Charlotte for our newest premier event for innovators, creators, and founders; FWD. Get your tickets today!

The post Southern Culture Foods Founder and Chef Shares Her Recipe for Success with You appeared first on Black Enterprise.

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Prince Harry shares his ultimate parenting tips days after the birth of royal baby Archie

Words by Maisie Bovingdon 

Prince Harry and wife Meghan Markle welcomed their first child, Archie Harrison Mounbatten-Windsor, into the world earlier this week.

Just days after the Duchess of Sussex gave birth, Harry jetted to the Netherlands for an engagement at The Hague for the Invictus Games 2020.

During his visit Harry had a heart to heart with former soldier Dennis van der Stroon, who has his sights set on competing in the games, about fatherhood.

Dennis recalled his conversation with the 34-year-old royal to Hello! magazine: ‘We talked about how my wife, Mireille, is 20 weeks pregnant with our first child, a girl, and he told me how special it was that his son has just been born.

‘Above all he said he was just amazed by the miracles in the world, and how his child has made a lot of people happy.

‘But he also told me not to make too many plans and that there’s no way you can plan for when the baby arrives.’

Harry has revealed his four-year-old son is ‘very quiet’.

Dennis added: ‘He also told me he’s really happy that his son is so far very quiet.’

The pair continued to bond over fatherhood, and losing a parent.  During the heart to heart Harry admitted he doesn’t feel ‘so alone’ when he speaks to other people who have loved and lost a close one.

Dennis continued: ‘Harry said missing a mother is like missing some kind of security, how you need that as a son and it falls away when you lose your mother. He said he meets a lot of people in his work who have lost a mother, father, sister, brother or relatives and when he hears their story, as he heard my story, he said he doesn’t feel so alone.’

We can’t deal.

The post Prince Harry shares his ultimate parenting tips days after the birth of royal baby Archie appeared first on Marie Claire.

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Loni Love Shares How She Feels Being ‘The Darkest, Biggest’ Woman On ‘The Real’

The Real co-host Loni Love sat down with MadameNoire to dish about representation and the challenges she faces being a full-figured, dark-skinned woman on a hit daytime talk show.

Although her co-hosts Jeannie Mai, Adrienne Houghton and Tamera Mowry-Housley are also women of color, Loni noted their differences are why she has to always be mindful of what she says on air.

“Being on a show like The Real, I’m the darkest and I’m the biggest girl,” Love said.

“You have to understand, even though they’re women of color, you have to look at the women of color I’m sitting next to. If there’s a certain subject, there’s a certain way I have to deliver things because if I have this thin Asian chick next to me and I’m barking at her that’s the way it’s going to look to America.”

Loni also noted the improper lighting in the earlier seasons of the talk show, which she says altered her appearance, which made her even more aware of how the audience might react to her comments.

“Even just with lighting on the show, we didn’t have the proper lighting for dark-skinned big women and sometimes you couldn’t even see my face,” she recalled.

“It’s because of that you had to change some things, they take your message a different way, if you don’t look a certain way to them,” Love continued. “I had to try and fix that. It’s gotten a lot better for our show.”

Check out the full conversation with Loni via the video above.

Loni also opened up to ABC Radio about her new boo, businessman James Welsh, who she meet via a dating app. James had no idea she was a famous comedian when they first hooked up.

She shared a cute story about how he reacted once he finally realized she’s famous.

“‘Why are you walking the carpet?’” Love recalls Welsh asking her when they first met at a film premiere. “‘Oh, you have a line in the movie?’ I was like, ‘No I don’t. I just got to walk the carpet.’”

She continues, “[Then we] went to a premiere party. And at the premiere party people from the movie kept coming up to me going, ‘Loni! I love you on The Real …’ And you can see when the first person came he was listening to them. And you could see his face change because he was like, ‘What?’ And then the next person, then the next person, and then it hit him: The Real.”

Chalk it up to the fact that “he’s a man” and “he has his own business” as to why James was clueless about her fame.

“And so, we were talking and when I would mention, ‘Oh I got a comedy show,’ he thought, ‘Oh, it’s like a little open mic or something like that,’” she adds.

“So then, at one point, in the party — he turned he said, ‘I’m so sorry, I didn’t realize you were Loni Love from…,’” she says. “And I thought that was so cool and it was so sweet.”

PHOTO: PR Photos


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LeBron James Shares Adorable Pics Of His Daughter, 4, With A Major Warning To All Future Suitors

LeBron James took to Instagram on May 7 to post two precious photos of his four-year-old daughter Zhuri and he captioned them with a memorable message for any of those looking to ‘try’ with his ‘Lil Princess’.

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Reggie Bush shares his wild NFL Draft journey as the No. 2 overall pick

Most thought he would be the No. 1 overall pick. But when the Houston Texans took Mario Williams instead, the chase was on for Reggie Bush’s NFL services. He explains in his own words just what went down the week of the 2006 NFL Draft and how he ended up with the New Orleans Saints.

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Apple shares flirt with $1 trillion valuation on China sales uptick

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The Money Snapshot: A 32-Year-Old Tech Support Worker Shares Thoughts on Budget Tracking

graphic of various money-related icons with text on top reading A 32-Year-Old Tech Support Worker Shares... Her Money Snapshot

Presenting our fourth “money snapshot,” this time with a tech support worker in Kansas! She notes: “Our decision to move from L.A./Orange County to Kansas City … [has] been probably the biggest factor in allowing us to improve our lifestyle and financial standing. When I told one Californian friend what I paid for my 3BR house, she literally fell over. It’s an enormous difference for the cost of living.”

By way of background: We got a few requests from readers to launch our own “money diary” series, so we’ve asked willing readers to fill out a form with lots of details about debt, spending, saving and more! If you’d like to fill out the form and be considered for a future personal money snapshot, please click here to submit your response! You can see a PDF of the questions if you want to review them ahead of time. See others in the Personal Money Snapshot series here.

Please remember that this is is a real person who has feelings and isn’t gaining anything from this, unlike your usual friendly (soul-deadened, thick-skinned, cold-hearted, money-grubbing) blogger — so please be kind with any comments. Thank you! — Kat

Name: Aerin
Location: Overland Park, KS (suburb of Kansas City)
Age: 32
Occupation: Tech support worker 
Income: $ 58,300
Partner’s age: 37, works as a technical trainer
Household income:
$ 115,000
Net worth: House is worth about $ 190K, have about $ 55K in retirement/savings. My husband also has savings accounts; don’t know his totals.
Net worth when started working: My very first job was babysitting at 14, so I didn’t have much net worth one way or another. I graduated college at 23 with about $ 11K in student loans and $ 5K in credit card debt.
Current debt: $ 1K credit card, $ 4K on car, $ 1K student loans, $ 138K balance on mortgage, $ 25K on personal loan
Living situation: Own, pay $ 1,100 mortgage

Is there anything else we should know about you?
Personal loan was to consolidate credit cards and financing for a major home repair, plus a bit of a slush fund for further home improvements. That total also includes the financing for our bed, which we got at 0% interest.

Also, my parents and I were in a commercial when I was a baby, doing one of those customer testimonial things. Commercial money is kind of insane, because you get paid every time it airs. I had to pay taxes as an infant! That money helped set up savings accounts for me and my siblings, and was the seed of what my parents later contributed toward a down payment for my house (about $ 5K by the time I cashed it in).

Debt

What does your debt picture look like?
I have some student loans, not a ton. My husband has more, but he handles that separately. I ran up some credit card debt in college due to some emergencies/large expenses that took me a while to pay off. Recently I had to carry a balance on one of my cards due to a large vacation.

How much money are you spending each month to pay down debt?
$ 100–$ 200 for credit card beyond regular use (see below), $ 70 for student loans, $ 177 for car payment, $ 1,200 for mortgage, $ 560 for personal loan.

How did you pay for school?
My school had a very generous aid package, and a commitment to ensure that any student they accepted could attend, regardless of what they could pay. For the first year and a half or so, my dad was contributing to the tune of maybe $ 6K/year. Then my sister was in a serious car accident that required two months in the ICU and several follow-up surgeries. He talked to the school and they eliminated his contribution, replacing it with grants. Student loans were a small percentage of aid to begin with, but then my senior year the school made headlines by removing loans from the package altogether. Beyond that, I had a work-study job, and worked an additional part-time job for about half my time there, which covered day-to-day expenses, travel, books, that sort of thing.

Have you paid off any major debt?
I had three separate student loans in my package. Two of them are paid off, and the third should be cleared in 2019. I also cleared a credit card by paying it down by an extra $ 100 each month. (So if the balance had been $ 1,900, then usage + interest brought it to $ 2,050, I would pay $ 250 to bring the balance down to $ 1,800.)

Home debt: 
We pay $ 100 more than the minimum. We looked at what we were paying in rent and tried to keep our mortgage payment similar. We ended up spending more than we hoped, but still less than we got approved for. Paying off the mortgage faster is a nice idea, although we plan to sell this house which would start the clock over anyway.

Have you ever done anything noteworthy to avoid or lessen debt?
The debt consolidation loan was kind of a big deal. It lowered the interest rates on some of my debt pretty substantially. And, of course, it just felt really good to zero out those other accounts. Oh, and I can’t forget our decision to move from L.A./Orange County to Kansas City. That was entirely financial — we had outgrown our one-bedroom apartment, and our options were to get a roommate, get second jobs, cut our expenses significantly, or move someplace cheaper. We opted for the last one, and it’s been probably the biggest factor in allowing us to improve our lifestyle and financial standing. When I told one Californian friend what I paid for my 3BR house, she literally fell over. It’s an enormous difference for the cost of living.

Thinking of making a move like Aerin’s but worried about leaving behind big-city life? We asked her to pass on some advice: 

It’s funny, I actually do a lot more in Kansas City than I did in L.A. — we’re members of the zoo and had season tickets for the symphony and the Broadway series for the past couple of years (although we’re not renewing either), plus we do a fair number of concerts, author events, and conventions. In L.A., we had annual passes for Disneyland and … that was about it. We have the time (thanks to a commute that’s over an hour shorter each way) and disposable income to do things we just couldn’t there. I’ve always lived in cities (well, suburbs of major metros) so I don’t think I’d do well in a legitimately small town. But I’ve found that basically if a city is large enough to support an airport, it’s likely going to have a decent selection of good restaurants and cultural offerings. I mean, Des Moines has a better Broadway series than KC does for next season! There are still some specific things I miss (returning to In-N-Out is the closest I get to a religious experience), but on the whole the trade-offs have been worth it.

The deal I made with my husband when we first talked about moving was that if we weren’t happy, we could just save aggressively for a couple of years and be better positioned to move back. It helped that we didn’t have kids, and that he was able to transfer within his company so we retained his income and our insurance for the transition. I’m open to making a big move again if the right opportunity comes up, but we’re more settled now, so the bar for that would be pretty high.

Savings, Investments & Retirement

How much do you save for retirement?
I contributed $ 3,600 this year. My company matched that, plus an additional 1% of my salary.

How much money do you allocate to other tax-savvy investments/accounts?
None. I know my husband has an FSA, though.

How much do you save outside of retirement accounts?
I have a $ 25 monthly savings transfer that I set up in college and still use. I also have a keep the change program that rounds up my purchases to the nearest dollar and moves that to savings. Beyond that, I allocate money to savings as I can when dividing up paychecks.

Do you have/use a financial adviser or planner? 
I just use the default for my retirement plan. I don’t really have enough of anything else to do any serious investing.

Do you have an end goal for saving or are you just saving for a rainy day?
Mostly I like to save for a rainy day. We also tend to save up for large purchase/projects, especially vacations.

What’s the #1 thing you’re doing to save money, limit spending, or live frugally?
I try to avoid purchasing things until I have the cash on hand to do it. I also try to price compare and find good sales. We lived paycheck to paycheck when I was growing up (we were pretty solidly middle class, but my mom kept the regular expenses extremely tight to allow for spending/safety nets in other areas) so I learned a lot of tricks and a frugal mindset that way.

We asked Aerin to share some more money-saving strategies she’s learned:

When we were kids, my mom made us divide our money into 50% savings, 20% gifts, 30% spending. So this acquainted me with splitting early on, but I kind of resented not getting to keep much of my money. So when I wanted to buy a laptop in high school, I ended up sort of skimming off myself — if I made $ 17 babysitting, I’d hand over $ 15 and squirrel away the other $ 2 in a hidden spot. I found it easier to get my head around saving up for something specific than for its own sake. That’s still largely how I operate, very goal-oriented.

The other big thing I remember is her teaching us the importance of tracking expenses. Once we were about junior-high age, she gave each of us kids an equal envelope of cash and took us back-to-school shopping for clothes and supplies, where we’d each pick out and pay for our own stuff. The trick was, we didn’t go to Walmart for supplies until very last. So if you didn’t hold back enough money to pay for a new backpack or binder, you were stuck using last year’s. Definitely a hands-on lesson! Another time she and I went on a long weekend trip to visit the campus of my first-choice college, and she put me in charge of writing down every penny we spent. Seeing how little stuff could add up was very enlightening.

How much do you have in cash that’s available today?
$ 3K in my personal account, $ 4K in joint account. My husband maintains a separate personal account; I don’t know his total.

How much do you have in cash that’s available in a week?
$ 1,200 in personal savings, $ 4K in joint savings.

How much is in your “emergency fund,” and where do you keep it?
Savings accounts as noted above. Some money in the regular accounts is allocated for specific larger expenses as needed (like medical bills or car stuff).

How much do you have in retirement savings?
$ 50K; don’t know about my husband’s.

Spending 

How much do you spend on the following categories on a monthly basis?

Groceries: $ 400
Restaurants, bars, takeout, and delivery: 
$ 300
Clothing and accessories: $ 30
Transportation: $ 200 (car payment; car is fully electric, so charging costs are minimal)
Rent/living expenses: $ 1,100
Entertainment: $ 150
Other major expenses: If I’m working on a major sewing/craft project, that can eat up a lot of cash. (I do have an Etsy shop, and it’s not something I would consider a full-on side hustle, but it usually brings in enough to pay for supplies for the next project and keeps that stuff from cluttering up the house. The downside is it means I tend to pick projects with an eye toward inventory rather than fun or challenge.) We also allocate about $ 50/month for pet expenses. 
Health care — premiums and other costs: $ 3.300/year medical, $ 130/year dental, $ 280/year vision, all for me and my husband. I probably spend about $ 1,000/year outside of coverage for things like chiropractor (not covered), co-pays, tests, that sort of thing.

What’s your spending range for these things? What’s your average?

Vacations – Range: $ 1,000–$ 8,000 
Vacations – Average:
$ 4,000

Charity – Range of Donations: $ 10–$ 200
Charity – Average Donation:
$ 30/monthly recurring donations, $ 10–20 here and there when I can

Individual items of clothing – Range: $ 5–$ 300
Individual items of clothing – Average: It hurts me to spend more than $ 20 on a single item of clothing. I do a lot of thrifting. One thing I do spend more on is coats.

Apartment or house – Current main residence: Purchased at $ 153K

Car or other vehicle – Range: $ 2,000–$ 10,000
Car or other vehicle – Last purchase / current main vehicle: $ 8,000

Any other large personal expenses? 
Lawn care $ 75/month (although we’re probably gonna get rid of that).

We asked Aerin to comment on whether she’d like to spend less (or more) on any of the categories listed: 

I’d really like to get our food costs down. We’ve been experimenting with a few different things for that, but everything at the grocery store is getting so expensive that it’s tricky. And I’m always trying to find extra money to throw at the vacation fund.

Fill in the blank on this question: I could save _____ if I stopped ______, but I don’t because _______.
I could save a decent chunk on groceries if I cut coupons and planned my meals better, but I don’t because I just don’t have the time or energy.

When was your wedding, how much did it cost (total), and how much did YOU pay? 
2010, cost $ 7K, my parents contributed about $ 4K

Tell us about your wedding: 
We cut down the guest list to literally the people in the wedding, their spouses, and any other family on the same tier. (So my husband’s uncle performed the ceremony, so we also invited the uncle’s siblings but not other aunts and uncles. He’s closer to his extended family than I am to mine, so this gave us a clear way to draw lines.) Total was about 40 people. Since my family is scattered all over, we got married in Las Vegas to make the travel easier. We booked a huge suite with a great view at Mandalay Bay, and that’s where we did the welcome dinner, rehearsal lunch, ceremony, and reception. When our caterer asked for my budget I told him $ 35/person, figuring I could go up as high as $ 50/person plus booze. He came back with a cocktail menu including beer/wine/soda for $ 35. The food was great, and that allowed us to cater the other meals plus take everyone to a breakfast buffet the next day.

We did a bunch of other stuff to cut down on expenses. My gown was $ 250 at David’s Bridal, marked down because it had been discontinued. I spent nine months making roses out of book pages. Instead of a regular cake, we did cookie cakes on a tiered display I designed and built. (That one got featured on CNN!) I spent ages scouring eBay for things like bridal party gifts (my side each got a nice leather-bound copy of Grimm’s Fairy Tales), cake topper, shoes, jewelry, etc. Photographer and videographer were both friends who gave us good rates. The one place we didn’t skimp on was the rings, since we figured that was one of the few things we’d still have after the day was done. Those cost about $ 1K each.

Basically, we wanted to put our money toward showing everyone a really good time. We knew that traveling was expensive and annoying, so we wanted to make sure our guests were well cared for while they were there. The whole affair was pretty relaxed and we got to see nearly everyone outside the wedding itself, so it was pretty successful in that regard. And we did so well on the cost of the wedding that we had about $ 3K left over to pamper ourselves for a few extra days in Vegas.

Are there any other large expenses in your life, now or previously?
Buying myself a MacBook Pro in college cost about $ 3K that I didn’t have at the time, and I spent quite a while paying back that credit card debt. But I didn’t need to buy another computer for about six years after that, so I guess it worked out? Moving across the country pretty much wiped us out. We had some friends who let us live with them for a couple of months until we got on our feet, which was a huge help.

At any point in your life to date, has inheritance played a role in your money situation?  
My mom inherited some money from her parents, but we were all adults when they died so none of it has really passed to us (since there wasn’t a ton). 

How has your family provided financial support in your adult life, if any? (Or, do you provide support to them?)
My mom and stepdad gave me a car when I was in college, because I desperately needed one due to how far away my job was. When that car died and couldn’t be revived, my dad had just paid off his car so he gave it to me and bought a new one. I was extremely broke at the time and couldn’t afford car payments, so this was extremely necessary. Beyond that, I haven’t really leaned on my parents for much financially. 

I should revise the non-financial support from family: I don’t live anywhere near family, though they’ve sometimes advised from afar. Recently I had a weird power outage, and I told my mom who told my stepdad who told my stepbrother. He correctly deduced that it was an issue with the power company, which saved me from having to pay an electrician on a Sunday.

Does your family provide any non-financial support? 
I don’t live anywhere near family, though they’ve sometimes advised from afar. Recently, I had a weird power outage, and I told my mom, who told my stepdad, who told my stepbrother. He correctly deduced that it was an issue with the power company, which saved me from having to pay an electrician on a Sunday.

Money Strategy

Do you have a general money strategy?
Oh, yes: The Spreadsheet.

I started doing this after we moved to the Midwest, before I found work and money was extremely tight. It’s got a column for each category of expenses: one for each bill (mortgage, power, insurance, etc) and then columns for things like vacation, appliances/furniture, or other things I’m saving up for, like new computers or a tattoo. Each column is marked with a target amount that it needs to get paid up to. On bills, this is the high-water mark of what we’ve ever owed. So one time our power bill was $ 250 for the month, so I keep $ 250 in that fund even though it’s usually much less each month. For other categories, it’s the savings goal, either a specific cost if there is one or a general guideline.

Then I go through the checking account, and each transaction gets entered in its own row. The amount gets listed in the correct column. Paychecks get divided up accordingly, and I have another page in the spreadsheet where I can keep track of which credit card transactions came out of which column so the bill can be divided accurately.

Functionally, this means I have at least one month’s worth of expenses on hand at all times. Once a bill comes out, I then put back the money so it’s ready for next month. It also allows me to work toward long-term goals, because even if I can only allocate a couple of bucks a week I’m still at least making space for it in my plans. More importantly, it means I don’t have to do a lot of thinking about my money when I’m spending it. If I get really concerned, I can pull it up on my phone to see where I’m at, but for the most part it works as a sort of post-hoc budgeting. If I overspend on one category for this week (like when I bought a bunch of work clothes from a store that was closing because they were 80% off), I know that I can’t put as much into other funds until I’ve made up the difference, and I also should avoid spending from that fund until it’s been rebuilt.

It’s a fair amount of work to sit down and log everything once every couple of weeks, but I absolutely love that I can buy fun, silly things on impulse without having to worry about whether this will mean I can’t pay a utility bill. It was a long road to go from being overdrawn in that account to having this sort of cushion, and The Spreadsheet absolutely helped me get there.

(After submitting her Money Snapshot, Aerin sent us this update: “I dug up the link to The Spreadsheet! Way old, but still works. I uploaded mine into Google Drive so it’s accessible from multiple devices — one version for my personal account and one for joint.”) 

Time vs. money — do you spend money to save time (e.g., cleaning service)? Do you donate your time instead of money? What else does this phrase mean to you?
There are definitely times when I do that, especially with home repairs when the DIY route usually ends up being more expensive as well as more time-consuming. I worked a retail job part-time for a while, but I realized that the bit of extra money wasn’t nearly worth the time, energy, and stress of it. My time is a non-renewable resource, and pushing myself beyond the limits of my energy had a much higher cost. I donate money over time, though, for much the same reason. I just don’t have the bandwidth to give extra time beyond my current commitments, but I can at least provide some support to the people who can.

Anything else to add? 
When my husband and I moved in together, our system was basically that he’d pay for everything, and I’d write him a check once a month for my half. It worked, more or less. Now, we have a joint account that we both pay into, which we use for shared household bills and anything that is used by both of us. However, we’ve still maintained our separate personal accounts as well, and I think it’s one of the best decisions we’ve ever made. See, if there’s only one account, things become a zero-sum game: If he springs for some nice clothes, I might not be able to get the video game I was eyeing, because it’s all coming from the same pot. But with separate accounts, you don’t have one person held responsible for the expenses the other person incurred independently. We’ve been together for 10 years and we’ve never once argued about money. We talk about it a lot, and it’s been a source of stress when it’s not there or when we get thrown a curveball, but there’s just not the resentment about each other’s choices and priorities.

So that’s probably my biggest piece of advice to people getting serious with a partner: Keep a personal checking and savings account, even if you combine nearly everything else.

Photo credit: icons via Stencil. 

The post The Money Snapshot: A 32-Year-Old Tech Support Worker Shares Thoughts on Budget Tracking appeared first on Corporette.com.

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SEC Suspends Trading In Oklahoma-based Bitcoin Miner’s Shares

The U.S. Securities watchdog has suspended trading of shares in Oklahoma-based cryptocurrency exchange and mining firm Bitcoin Generation (BTGN).

The U.S. Securities and Exchange Commission (SEC) said it took the action due to concerns about the accuracy and adequacy of information in the marketplace about BTGN’s public statements regarding the viability and valuation of a bond that it purportedl
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Kelly Clarkson Shares Which Of Her 4 Kids Want To Be Famous!

Kelly Clarkson took her whole clan at the premiere of her animated movie UglyDolls and it was as if the event had turned into a super cute family outing. While on the red carpet, the star chatted with ET, revealing which out of her and husband, Brandon Blackstock’s four children dreams of becoming famous.

The singer looked stunning in a bright pink Siriano dress and smiled brightly as she posed for pics alongside her young ones – Savannah, 17, Seth, 12, River, 4 and 3-year-old Remington – and her hubby.

kelly_clarkson_familySource: etonline.com

The mother admitted that while she was super happy to have her kids with her at the premiere, it was not the easiest thing to do.

‘Man, that was hard to navigate a red carpet with two toddlers. That’s not for the faint [of heart],’ she told the news outlet.

But Kelly also revealed that her daughter River was overjoyed to be in the spotlight at the event.

‘This was the greatest thing. We said to her, ‘When we get on the red carpet, they are gonna be yelling mommy’s name. Do not get freaked out. Just keep smiling. And what she got from all that was, ‘Why are they screaming only your name?’… she was like, ‘Why are they not screaming my name?’’

‘I thought, ‘Oh my god, the foreshadowing is scary,’’ she laughed, suggesting that she may grow up to have celebrity aspirations.

But that is Okay since Clarkson has been getting ready for the young ones to start making names for themselves already.

‘River and our 12-year-old boy just love doing stuff like this. Our oldest and youngest are kinda like, ‘We’re good,’ but our middle two, they love it,’ the celebrity went on to also dish.

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Taylor Swift Shares Her Three Biggest Influences Right Now

Taylor Swift may be one of TIME’s 100 most influential people in the world — but the singer-songwriter herself also has plenty to say about what influences her. In an exclusive video for TIME, Swift explained three things that shape the way she thinks, from a social network that she adores to the iconic rock star she admires and the animals who bring her joy.

First up in her influences: the social media platform Tumblr. “I go on Tumblr and it’s like a window into what my fans are going through,” Swift says. “They post about what they think is cool, what they think is unjust or problematic.” Swift has long been known by her followers to hang around on Tumblr; eagle-eyed fans notice everything she likes on the platform and interpret her activity as hints about her work. But this pronouncement confirms it.

Next is a rock star who is also a role model to her. “I look at Paul McCartney and I see how he’s had just this amazing career—he’s created unparalleled art,” Swift says of the former Beatle, who just released his latest album, Egypt Station, last year at age 76. “He’s always been known to be kind to people, respectful and also really selfless as a performer.”

Finally, anyone who’s followed Swift more than casually will know that she’s a feline fanatic. “I have cats. I’m obsessed with them. I love my cats so much that when a role came up in a movie called Cats, I just thought, like, I gotta do this,” she says of her decision to join the cast of the upcoming live-action film adaptation of the classic play. “Like, this is my calling in life to do this—for the ladies.” (On set, there was even a “cats school” to help actors get in animal character.) As for what she appreciates about cats? “They’re very dignified. They’re independent. They’re very capable of dealing with their own life.” Sounds like the kind of influence we can all look up to.

Swift is expected to release a new project on Friday, after teasing a new era on social media for the past few months.


Entertainment – TIME

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Pinterest shares surge 28% in public debut

Shares of online scrapbook company Pinterest surged as much as 30 percent in its public debut Thursday, suggesting that investors aren’t yet planning to write off tech listings after Lyft’s rocky first few weeks. Questions have been swirling around demand for tech initial public offerings after Lyft, the nation’s second-largest ride-hailing company, struggled to hold…
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Morgan Stanley (MS) reported first-quarter earnings that surpassed the analysts’ estimates. Shares of the company were up more than 2 percent in premarket trade. The bank reported earnings of $ 1.39 per share compared with $ 1.45 per share a year ago. Total earnings declined 9 percent year-over-year to $ 2.34 billion. During the quarter, it recorded certain tax benefits of $ 101 million, or $ 0.06 per share. Excluding this, earnings were $ 1.33 per share. On average, 20 analysts polled by Thomson Reuters expected the company to report profit per share of $ 1.16 for the quarter. Analysts’ estimates typically exclude special items. Wealth Management delivered pre-tax income of $ 1.2 billion reflecting strong expense management.
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The Money Snapshot: A 33-Year-Old Management Consultant Shares Thoughts on Three Mortgages & Her Aggressive Savings Strategy

 

Today we’re proud to present our third “money snapshot,” this time with C, a management consultant on the West Coast! She notes: “I paid off my student loans extremely aggressively — all were paid off within two years of graduating. Although I had a job that paid well right out of college (I started at $ 60K), I tried to live frugally where reasonably possible in order to prioritize paying these off.”

By way of background: we got a few requests from readers to launch our own “money diary” series, so we’ve asked willing readers to fill out a form with lots of details about debt, spending, saving and more!  If you’d like to fill out the form and be considered for a future personal money snapshot, please click here if you’d like to see the form and/or submit responses! You can also see a PDF of the questions if you want to review them ahead of time. See others in the Personal Money Snapshot series here.

Please remember that this is is a real person who has feelings and isn’t gaining anything from this, unlike your usual friendly (soul-deadened, thick-skinned, cold-hearted, money-grubbing) blogger — so please be kind with any comments. Thank you! — Kat

Name: C
Location: HCOL suburb on the West Coast
Age: 33 
Occupation: Management consultant
Income: $ 180K/year base, $ 10K–$ 40K bonus
Net worth: About $ 900,000
Net worth when started working: Negative $ 52K (student loans) at age 22 
Current debt: Three mortgages (home, rental property, and vacation home) totaling $ 830K
Living situation: Own a house and pay $ 2,000/month in mortgage.

Debt

What does your debt picture look like?
My only debt right now is mortgage debt, across three homes (primary, vacation, investment property), totaling $ 830K. I have pretty good mortgage rates (3.5%, 3.75%, and 4.5%, all 30-year fixed), so I am paying the regular monthly payments. While I made an extra lump sum payment on my primary home with a bonus a few years ago, I now just put those bonuses into savings/investments so that I could pay the mortgages off later if I needed to.

How much money are you spending each month to pay down debt?
$ 5,400 in monthly mortgage payments, though $ 3,500 is paid by tenants

How did you pay for school?
I paid off my student loans extremely aggressively — all were paid off within two years of graduating. Although I had a job that paid well right out of college (I started at $ 60K), I tried to live frugally where reasonably possible in order to prioritize paying these off. I am very uncomfortable having debt, so it was important to me to not have my student loans hanging over my head.

What advice would you share with readers about buying and maintaining a rental property?
Find someone you trust that you can call for repairs! I don’t have a property manager per se, but I do have a handyman who lives right by the property to whom I sole source all repairs. If he can’t do it, he will call around and find someone who can, then charge a one-off commission (which is well worth it). It’s amazing peace of mind to know that if there is an issue, my tenants can call me or call him directly in an emergency. Also, if you are looking to buy a rental property, remember that you don’t need to like it personally, so try to avoid any upgrades that make it to your taste, and stick with something more generic.

Savings, Investments & Retirement

How much do you save for retirement?
I max out my 401K ($ 2,100/month). I used to max out my Roth IRA before I became ineligible for that. I still do a “backdoor Roth” where I put it into a traditional IRA and then immediately convert it, so that the earnings will be tax free.

How much money do you allocate to other tax-savvy investments/accounts?
I max out my HSA at $ 260/month… I figure even if it stays in there now without me using it, it will be good to have when I’m older and more prone to health issues. I have had two health issues that depleted my HSA significantly, over 10 years, so I figure it’s a great emergency fund — especially since I’m on a high-deductible plan.

How much do you save outside of retirement accounts?
I also save $ 4,500/month post tax in a combo of index funds and a managed portfolio. I prefer to manually transfer the funds when my paycheck comes in, which forces me to check out my financial situation every two weeks and see how I’m doing. I transfer the money from my paycheck bank account to another “transaction” bank account, then I have automatic transfers for my investments set up to take the money a week after my paycheck hits. I feel like that’s the best of both worlds — keeps it simple but also forces me to continuously evaluate and reassess. And if I’m short on funds, I could always stop a transfer.

Do you have/use a financial adviser or planner? 
I started using a financial adviser last year, who manages a portfolio for me that complies with my company’s guidelines around what I can/can’t invest in. (Working in consulting, there are a lot of restrictions around investing in clients.) I felt pressured to start using an adviser by my company, but I do wonder if it’s worth the fees (1%) or if I’d be better off with it all in index funds. I put $ 2,000/month into that portfolio for my adviser to invest as he sees fit, and then I put $ 2,500/month into the Schwab Total Market Stock Index fund. I feel very uninformed/inexperienced when it comes to investing, but I haven’t prioritized learning about it.

Do you have an end goal for saving or are you just saving for a rainy day?
I’d like to retire early (mid-40s) and am well on track to do so. But if I decide to have a family, I know that timeline would be pushed back significantly.

What’s the #1 thing you’re doing to save money, limit spending, or live frugally?
I think I am generally pretty frugal, though I’m motivated by knowing I CAN buy anything I want thanks to my otherwise-frugality. I’ve made a few big impulse buys over the years (my vacation home wasn’t supposed to happen for a while longer, but I found this house and fell in love with it). It feels SOOOOO good to know that I never have to worry about money, which is the opposite of how I grew up. No matter how much my salary increases, I plan to always live well below my means and try to avoid keeping up with the Joneses.

Do a lot of your financial decisions today stem from the money situation your family had growing up?
Yes — it’s really important to me to pay my bills on time (which my parents weren’t financially able to do), and it also makes me feel amazing to be able to buy things without having to worry about bouncing checks or overdrawn credit cards, which were common in my childhood.

When did you start saving seriously? How has your savings strategy changed over the years?
The day I graduated college! It’s always been a high priority for me to be financially comfortable and not in debt.

Do you have an estate plan in place?  
None — I probably should. However, as a single, I don’t really know who I’d want my estate to go to. Probably my parents, and they will get it by default anyway.

How much do you have in cash that’s available today?
$ 20? Ha. I don’t keep actual physical cash.

How much do you have in cash that’s available in a week?
$ 8,000 — currently very depleted from the down payment on my vacation home. I would like this to be $ 20K. This is my emergency fund, and I keep it in a savings account.

How much do you have in retirement savings?
$ 201K

How much do you have in long-term investments and savings that are not behind a retirement wall?
$ 142K

If property values are included in your net worth, how much are those worth?
Home: $ 338K equity
Rental property: $ 82K equity
Vacation home: $ 125K equity
Car: fully paid off and worth about $ 15K

Looking back, did you ever expect to own three properties at 33? In general, say, 10 years ago, did you expect to be where you are now financially?
DEFINITELY not. I feel like all of my real estate purchases were accidental — the investment property was a short sale that came across my lap when I had a bunch of cash in savings and hadn’t really figured out investing. My primary home was of course planned, but the vacation home was something I didn’t expect. I thought vacation homes were only for richer/more established people and was pleasantly surprised when I happened across the property and found I could make the numbers work. I feel incredibly lucky to be where I am today financially; I honestly never really expected much more than being able to make ends meet and am proud to be well ahead of that.

Spending 

How much do you spend on the following categories on a monthly basis?

Groceries: $ 120 
Restaurants, bars, takeout, and delivery: 
$ 500
Clothing and accessories: $ 200
Transportation: $ 20/week on gas, $ 100/month on car registration/insurance
Rent/living expenses: $ 2,000 mortgage payment  
Entertainment: $ 30/month for a local concert series I like. I rarely buy books (yay for libraries!) or go to the movies.
Health care — premiums and other costs: $ 80/month for a high deductible plan ($ 3,500 deductible). I probably spend about $ 500/year from my FSA for various things (medicine, co-pays, contact lenses).

What’s your spending range for these things? What’s your average?

Vacations – Average: Low — I tend to take a lot of three-day weekends, using hotel points and frequent flyer miles, so they still often fit in my regular weekly budget of ~$ 400/week.

Charity – Average Donation: $ 20 to any friend asking for money for their pet charities, and then I go to a decent number of events ($ 150 for a ticket, another $ 100–$ 500 on auction items/general donation).

Individual items of clothing – Range: $ 10–$ 100 
Individual items of clothing – Average: I have inexpensive taste — I really like Old Navy for trendy stuff because I don’t care if it lasts that long anyway, and for classic pieces that I do want to last, I tend to buy from Banana Republic and Lands’ End. I like shopping brands online that I can easily return in stores rather than having to mail them back, and I tend to buy a LOT to try at home, and then return a lot. I almost always wait till things are on sale to buy, and will often put things into my cart that I like, then come back to it weeks later when I see they’re doing 50% off everything (or whatever). I’d say I typically pay around $ 30–$ 50 for a work dress, $ 10–$ 20 for a shirt / sweater, $ 20 for jeans, and $ 20 for shoes. For black-tie events, I’ll find gowns for $ 80–$ 150; there are a lot in this price range from basic department stores (e.g., Macy’s). I like seeing the pieces featured on Corporette, but most of them are much more expensive than what I’d consider buying.

Apartment or house – Current main residence: $ 2,000/month

Car or other vehicle – Last purchase / current main vehicle: Bought a new SUV for $ 25K that is five years old and that I plan to drive several more years.

Fill in the blank on this question: I could save _____ if I stopped ______, but I don’t because _______.
I could save $ 1,000 a month if I got a roommate for my gigantic house that I live in alone, but I don’t because I really value having my own place. I love my neighborhood, but it doesn’t have any 2-bedroom houses, which would have more than sufficed! I did look at a few townhomes that would have been a great size, but the value wasn’t nearly as high compared to paying just a little bit more for twice the room.

How much did your car cost?
$ 25K. In hindsight, I wish I had bought a used car rather than new.

How much did your home cost?
$ 470K

If you have vacation homes, timeshares, or income properties, how much did those cost?  
(1) I bought a townhouse five years ago for $ 130K; it’s now worth $ 180K. I rent this out for $ 1,500/month, which more than covers the $ 1,000/month mortgage. (2) Last year, I bought a vacation home for $ 525K; the mortgage is $ 2,400/month. I partially rent it out for $ 2,000/month, which allows me to still enjoy it part time without having to pay the full burden of the mortgage. I eventually plan to stop renting it out.

How has your family provided financial support in your adult life, if any? (Or, do you provide support to them?)
When I graduated college, I went home and lived with my parents for three months until moving to start my first job. I worked at a restaurant to cover spending money, but they paid my cell phone bill and I didn’t pay rent/utilities. I’ve made loans to a few family members of $ 5K–$ 20K; some have been paid back and some haven’t. I don’t like loaning money to people so I only make loans that I am comfortable losing entirely.

Money Strategy

Do you have a general money strategy?
I keep a spreadsheet of all my accounts, and a general budget, though the only categories I “budget” for out of my paycheck are mortgage, utilities, internet, savings, and the rest in a generic “spending money” category. I don’t budget separately for food because I could easily make dinner for $ 5 from the grocery store or buy a meal for $ 150 at a restaurant, so I think of food as a form of entertainment and want it included in that generic “spending money” category. I budget $ 1,500 month for “spending money,” and when I pay my credit card bill (which I do in full each month), I see how it compares to that budget. If it’s over, I keep it in mind and try to tighten my belt a little bit the next month. But I like the freedom of not having to worry about individual purchases, and just looking at it in aggregate. I’ve used this strategy since I graduated college, though back then my budget was $ 800/month ($ 200/week).

Time vs. money — do you spend money to save time (e.g., cleaning service)? Do you donate your time instead of money? What else does this phrase mean to you?
I volunteer about 20 hours/month and generally try to give back this way instead of financially. Writing a check doesn’t really mean much to me, but I get a huge psychological benefit out of spending time volunteering — for me, that decision is much more about the psychology than it is about saving money. However, I definitely tend to spend time to save money. I don’t hire a cleaning service, and do it myself — it’s really not that hard if I block off an hour a week and keep up with it regularly. I try to save whatever I can on things that don’t matter to me (e.g., store brand groceries vs. name brand) so that I don’t have to worry about spending money on the things I want to indulge in (a great meal at a fancy restaurant).

What are your favorite resources for personal finance?
Blogs: The Simple Dollar, Mr. Money Mustache. Both of those are often much more frugal than I’m comfortable with, but I get some good ideas from there. And, it helps to normalize extreme frugality for me, which makes me feel comfortable with how frugal I am. 

Photo credit: icons via Stencil.

Wow – huge thanks to C for sharing her life with us!

The post The Money Snapshot: A 33-Year-Old Management Consultant Shares Thoughts on Three Mortgages & Her Aggressive Savings Strategy appeared first on Corporette.com.

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Kim K. Shares Selfie With Kanye and Kids, Reveals Whether She’d Run for Office

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Morning ✨

A post shared by Kim Kardashian West (@kimkardashian) on

Kim Kardashian shared a sweet selfie with her husband, Kanye West, and their three kids on Saturday, March 30.

“Morning,” the Keeping Up With the Kardashians star, 38, captioned the Instagram photo that showed her eldest daughter, North, 5, in her lap, while son Saint, 3, grabbed onto her arm and youngest daughter Chicago, 14 months, snuggled with her daddy.

Her friend Jonathan Cheban commented on the photo, writing, “I’m ready to have kids..because of this pic!!” Model Winnie Harlow, meanwhile, volunteered to be the kids’ “designated babysitter.”

The photo showed the family enjoying some time together before they welcome a new baby via surrogate.

Us Weekly broke the news in January that the KKW Beauty founder and her rapper husband, 41, are expecting their fourth child — a boy — “in very early May.”

“Kim and Kanye have begun work on the nursery,” an insider told Us earlier this week. “North fully understands what’s going on and is so into it.”

“I’m frantically trying to get the room ready,” Kardashian told The New York Times in a story about the Kardashian-Jenner family’s multimillion-dollar businesses posted on Saturday. “It’s madness, but the best madness.”

Kardashian also talked about the products she endorses on social media, revealing that she turns down more offers than she accepts. She said that anyone who is in her position would also want to maximize their income.

“If there is work that is really easy that doesn’t take away from our kids, that’s like a huge priority,” she said. “If someone was faced with the same job opportunities, I think they would maybe consider.”

“You’re going to get backlash for almost everything,” she said of people who criticize her and her family for cashing in as they promote teeth-whitening kits and weight-loss teas, “so as long as you like it or believe in it or it’s worth it financially, whatever your decision may be, as long as you’re OK with that.”

Kardashian, who has used her fame to call for criminal justice reform and visited President Donald Trump at the White House, was also asked if she would consider running for office.

“No, I don’t think so,” she said. “It would be probably the most stressful job in the world, and I don’t think that’s for me.”

Us Weekly

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Chris Simms shares story highlighting Rob Gronkowski’s football IQ

Chris Simms shares story highlighting Rob Gronkowski's football IQ originally appeared on nbcsportsboston.com Now that Rob Gronkowski's NFL career is over for now, everybody has their favorite story about the future Hall of Fame tight end. Whether it's Matt Patricia throwing a trash can at him at practice, or Mike Tomlin recounting his first meeting with him in 2007, most Gronk-related stories are worth the time. NBC's Chris Simms, a former quarterback who was a coaching assistant for the Patriots in 2012 remembered Gronkowski's football IQ in tight end meetings.

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Coronation Street’s Jack P Shepherd shares amazing throwback of himself in the Rovers Return as a child

CORONATION Street star Jack P Shepherd has shared an adorable throwback snap on the soap’s set as a young child.

Taking to Instagram the throwback shows Jack, now 30, as a young boy in his school uniform as he props himself up at the bar of the soap’s famous pub, the Rovers Return.

Jack shared this adorable snap of him in the Rovers as a young boy
instagram/jackpshepherd88

The cheeky young actor appears to be wearing his school uniform as he cheekily grins at the camera accompanied by his dad in the retro picture.

“Me in the Rovers with my dad,” he revealed.

The actor first joined the soap in 2000 when he was just 12-years-old and has been playing the role of David Platt ever since.

And feeling nostalgic, many long-time Coronation Street lovers immediately began commenting on the picture as they reminisced about when the actor first stepped onto the street.

Jack is now 31 and has been in the soap for 19 years
Getty – Contributor
His character-pictured here with Tina OBrien- has been in the soap since 2000
Rex Features

One wrote: “Remember u being like that…loved u then…and love your character and your humour now x”

While another added: “I remember you as David walking into the Rovers, going up to the bar, peering over the top, looking at Betty Turpin and saying ‘Two comes when you’re ready Betty, love’, you were all of about 6! Never forgotten that scene, brilliant!

A third simply gushed: “Aww wee David ( jack ) xx”

Meanwhile, nineteen years later and the actor is now doing some legal boozing of his own, as he was spotted celebrating his on screen fiance, Julia Goulding’s, 34th birthday with the rest of his on screen family recently.

Jack joined his on-screen family to celebrate Julia Gouldings birthday
Jack wished Shona a happy birthday on Wednesday

On Wednesday Tina O’Brien (Sarah Platt) shared an Insta story showing the group taking a break from filming to host a boozy lunch on set for the actress, who plays Shona Ramsey.

Tina posted a selfie of them eating from takeaway trays with plastic wine glasses and a bottle of Prosecco on the table.

Although, missing from the picture was Jack who was told to “hurry up” by Tina.

Jack jokingly replied: “Just stocking the fridge”.


He then paid his own tributes to his on-screen fiance, by sharing behind-the-scenes snaps and writing: “Happy birthday, we love you.

“See you later for beer. And of course, Champagne.”

The birthday girl was also treated to a Curly the Caterpillar cake by Lucy Fallon, although the actress, who plays Bethany, admitted she’d tucked into it before it arrived at the table.


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TV and Showbiz – latest celebrity news, gossip, photos, TV and film reviews | The Sun

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Bed Bath & Beyond shares jump after hedge funds call for overhaul

Investors loaded their carts with Bed Bath & Beyond stock Tuesday after a hedge fund triumvirate called for an overhaul of the board and an ousting of its chief executive. Shares climbed as much as 30 percent early Tuesday after three hedgies unveiled a slate of 16 candidates to replace Bed Bath & Beyond’s 12-person…
Business | New York Post

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Tilray Shares Rise On Better-than-expected Sales In Q4

Shares of Tilray Inc. rose more than 2 percent in after-hours trading on Monday after the Canadian marijuana company’s fourth-quarter revenue more than tripled from the prior year and beat analysts’ expectations. The company also said its strategic partnerships and acquisitions position it to accelerate global sales growth and drive long-term shareholder value.
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GLOBAL MARKETS-Dovish Fed shift lifts Asian shares, dollar nurses losses

Shares in Asia rose on
Thursday after the U.S. Federal Reserve took a more
accommodative stance at its policy meeting, but concerns over
slowing global growth and U.S.-China trade talks are expected to
limit gains.


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European Shares Set To Open Lower As Trade Worries Re-emerge

European stocks may drift lower on Wednesday as investors digest conflicting reports on U.S.-China trade talks and look ahead to the Fed’s decision on interest rates.
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Beauty of 5: Angela Bassett Shares Her Go To Beauty Products That Keep Her Looking Youthful

The Paley Center For Media's 2019 PaleyFest LA - '9-1-1'

Source: Jean Baptiste Lacroix / Getty

It’s hard to believe that actress Angela Bassett is 60-years-old. The Black Panther actress always looks so youthful and her body is snatched to the Gods! We had an opportunity to chat with the star about her beauty and skincare routine and she dished was she uses to keep her skin looking youthful. She admitted, “I use a number of things. I try potions and lotions as I call them.” Keep on reading to find out what products Bassett is using to keep her beauty at a premium.

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Boeing shares fall again as crash probes intensify

Boeing shares fell 3 percent on Monday after a pair of newspaper reports over the weekend raised more questions about the certification process for its 737 MAX jets before two recent deadly crashes. A Wall Street Journal report on Sunday said the US Transportation Department was probing the Federal Aviation Administration’s approval of the 737…
Business | New York Post

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New report shares early details about Apple’s first five original TV shows

Apple streaming service

We’re exactly one week away from Apple’s “show time” event at the Steve Jobs Theater, and although the company has yet to share any details about the event, the expectation is that the veil will be lifted on Apple’s streaming service. And now, thanks to a report from The New York Times, we know that five original series are already done filming, and will presumably be ready in time for the launch of the service later this year.

According to the report, five series have wrapped, with “around a half dozen more” on the verge of completion. But the people behind those shows reportedly have not been told when they can expect their shows to debut. All they’ve been told is that their shows will stream on the Apple service “later this year, probably fall.” This has, understandably, given some of the talent cause for concern, especially with a big reveal event just days away.

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  1. New report shares early details about Apple’s first five original TV shows

New report shares early details about Apple’s first five original TV shows originally appeared on BGR.com on Mon, 18 Mar 2019 at 11:44:25 EDT. Please see our terms for use of feeds.


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Tracy McMillan Of OWN’s New Show ‘Family Or Fiancé’ Shares Relationship Advice

Tracy McMillan

Source: Oprah Winfrey Network / Tracy McMillan

OWN’s latest reality TV show Family Or Fiancé focuses on couples who are headed down the aisle but are having a hard time getting their family’s approval. The future newlyweds are paired in a home with their loved ones and Tracy McMillan, a relationship expert who challenges the couples to find middle ground before their wedding day.

You may know of McMillan via a viral article seven years ago titled “Why You’re Not Married” that solidified her as an expert.

We caught up with Tracy ahead of the premiere and she gave us some insight, tips and advice on relationships.

Tell us about Family Or Fiancé?

Tracy McMillan: These couples are amazing and you may not relate to every couple’s journey, but you’re going to relate to somebody in that family because you’ve been on one side of this before. You’ve either been the person where your family is not really down with BAE or you’ve been the person.

Source: OWN Communications / OWN

What were some of the exercises you did with the couples?

I meet with them every morning and I give them things to do that first of all are going to help. Like let’s say the couples haven’t met the parents, well this is going to be an icebreaker activity or an activity that’s going to show the parents something related to what their concerns are. One of the things that we do quite often on the show is play 20 questions. he family members will write down the questions that they want to know the answers to and then the other person has to answer it. And it’s anything from ‘have you been faithful’ to ‘what would you do if the baby mama came for some child support and that part of that was your money?’

What can the everyday couple do as an exercise?

We’ll have the mom and the new daughter-in-law cook a meal together. When you have to cooperate with somebody, you find out really quickly whether that person is kind of really open hearted toward you or is this just like a lot of power struggle?

Which family member is the most problematic?

TM: Mama is the most committed to a point of view. She’s the least likely to just go, ‘okay, it’s fine.’ She’s not just going to go along with something. She has a strong feeling, she becomes mama bear. You know? So it’s not that she’s a problematic, it’s that she her feelings on the strongest, she got the biggest investment.

You went viral for your piece “Why You’re Not Married,” what was that about?

Marriage is a spiritual path and if your focus is on getting something you want or you’re going to get a big wedding or you’re going to get a white dress and like marriage isn’t really going to change your life, you’re just going to be you at twice as much laundry in that it’s really about giving and receiving love.

Source: OWN Communications / OWN

 What are some common problems that you see in relationships? 

They don’t understand that relationships are challenging. People are like, wait, what? Why should I have these problems? This is a place where you practice loving. It’s not a place where you go to feel good and get what you want. That’s not why that other person is in that relationship to give you what you want and make you feel good. So a lot of times when people, when it stops feeling good after like the first nine months or a year, then like, yeah, I don’t think this is working. In fact, it’s, it’s working to grow you up that cause that’s what it, that’s what a relationship is all about. It’s about growing as a human.

What advice do you give couples coming off the honeymoon phase?

The thing about coming out of the honeymoon phase is first of all, to know when you’re in one and that it’s going to end. So even when you’re in it, you got to know it’s going to end. So when it ends, it’s like coming up and moving. So I brought out the airport and so it’s not like, oh shit, what just happened? It’s more like, I know it’s going to be a very different pace than this first part. It’s not going to be as easy. Relationships bring up every unresolved thing. And that starts to happen right after the honeymoon phase. So whatever you’ve got going on, whatever you brought in from childhood, it’s going to get triggered, it’s going to get triggered and then you’re going to get to deal with that.

Catch Tracy McMillan on Family Or Fiancé on OWN every Saturday night at 10pm EST.


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Life & Style – Black America Web

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Tesla shares tumble on underwhelming Model Y launch

Shares of Tesla fell about 4 percent Friday, as investors wondered if its unveiling of an electric sport utility vehicle would add to pressure on cash flow, while analysts worried the carmaker was not addressing slowing demand for other models. Tesla, which introduced a cheap $ 35,000 version of its Model 3 sedan last month and…
Business | New York Post

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Facebook shares plunge after surprise exit of top execs

Shares of Facebook Inc. fell as much as 5 percent Friday to their lowest in nearly three months after the surprise departure of chief product officer Chris Cox, at a time when the company is again being scrutinized over its handling of privacy, extremism and political content. Cox, a Wall Street favorite who has worked…
Business | New York Post

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Norman Reedus Shares Throwback Pic of ‘Badass’ Diane Kruger’s Bare Baby Bump

Norman Reedus is thankful for his girlfriend, Diane Kruger, ever day of the year. The Walking Dead star shared a rare black-and-white photo of the Troy actress on Instagram on Saturday, March 9 — and she was very pregnant at the time!

“This badass,” Reedus, 50, captioned a throwback snap in honor of International Women’s Day that shows Kruger, 42, baring her giant baby bump in a cropped sweatshirt as she leans against a classic car. “#internationalwomensday. every day.”

Kruger and Reedus welcomed their first child together — a baby girl — in November 2018. Us Weekly exclusively revealed in May of that year that the two, who started dating in March 2017, were expecting a baby.

“A lot to be thankful for this year,” the The Boondock Saints star captioned an Instagram pic on Christmas Eve, sharing the first glimpse of his newborn as she held his hand. “[Love] this one especially.”

Kruger, for her part, gushed over her beau in a heartfelt Instagram post days later. “2018 has been a year of new beginnings…rewarding, if challenging journeys..but mostly, a year of love,” the In the Fade actress wrote alongside a picture of herself with Reedus. “I would like to thank all of my friends who have been there for me and us this year, who have lifted me up and made me smile.”

She added: “I am thankful for all the work opportunities I’ve had this year and the many people I’ve met along the way. Thank you to all of YOU, who have shared some of my life this year here on Instagram. But above all, I’d like to thank my love @bigbaldhead for giving me our daughter and for being an amazing dad and partner,” she wrote. “I love you HAPPY NEW YEAR TO ALL OF YOU.”

Prior to her relationship with Reedus, Kruger dated Dawson’s Creek alum Joshua Jackson for 10 years before splitting in 2016, and was previously married to French director Guillaume Canet from 2001 to 2006. The Ride with Norman Reedus star dated model Helena Christensen from 1988 to 2003 and the pair share son Mingus, 19.

Us Weekly

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Gabrielle Union Shares Cutest Photo of Baby Kaavia on Her 4-Month Birthday

Gabrielle Union, Kaavia James Union WadeCutest 4-month-old of the year award goes to Kaavia Union-Wade.
Gabrielle Union is showing off the birthday girl in her latest Instagram post. “Day party in LA. Cute casual they said….

E! Online (US) – Top Stories

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Asian Shares Mixed On Growth Concerns

Asian stocks ended mixed on Tuesday after U.S. construction spending unexpectedly fell in December and China cut its GDP growth target, raising fresh concerns about global growth slowdown.
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Kandi Burruss Shares Fire Photos With Todd Tucker And Her Dancers From Last Night’s Show – Fans Suggest Her To Keep Todd Out Of ‘Risky Situations’ Because Loyalty Is Hard To Find

Kandi Burruss has been preparing for last night’s show for quite a while. Her beloved hubby, Todd Tucker has also been a part of the rehearsal sessions and Kandi shared a bunch of pics and videos to document everything for her fans.

Kandi’s fans and followers have been laughing their hearts out while watching a recent post. She was with her crew, rehearsing and Todd Tucker joined her.

Now, a few hours ago, Kandi finally shared some pics from the much-awaited show, and some fans were surprised to see Todd on stage as well. He did attend the rehearsal, so this was expected.

‘Charlotte was Lit! 🔥🔥🔥Thanks for the love! I’m stopping by The Tip Off Mega Party later. New venue alert for the party!!! Now it will be at Peculiar Rabbit! 1212 Pecan Ave. Charlotte N.C. —- styled by @therealnoigjeremy, mua- @taetv, hair- @sewjodie. 📸: @hauseofglam,’ Kandi captioned a photo in which she was showing off her fantastic look.

She shared a bunch of other pics from the show and she captioned her post with: ‘Tonight’s show was fun! I gotta send love to my whole team that rocked with me tonight! ❤

Someone told Kandi as a joke (more or less): ‘Putting ur man in a risky situation is not safe anymore….there’s no loyalty anymore….keep ur happiness caged away from preyed eyes 😊

The person was probably hinting at the latest massive drama between the triangle Tristan Thompson – Khloe Kardashian – Jordyn Woods.

Another follower posted ‘Lovin the gram keep it up I was busy is fun showin love to 1 half of the crew.’

Someone else praised Kandi and called her a role model for her fans: ‘You are such a beautiful, positive role model for us all. Continued blessings to you and your family. 💜

Kandi has been spending more time with her family these days which made her fans happy.

Celebrity Insider

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Jordyn Woods Shares Her Truth On Red Table Talk [WATCH]

Tristan Thompson, Khloe Kardashian, Jordyn Woods

Source: Hollywood To You/Star Max/GC Images/Getty / Theo Wargo

“Take your medicine and tell your truth.”

Jordyn Woods‘s family ties are more than just being a best friend to Kylie Jenner. Before she was even born, her father and Will Smith became friends as he worked on The Fresh Prince of Bel-Air. In the wake of the scandal that occurred between her, Tristan Thompson and Khloe Kardashian, Woods made her first public appearing speaking out about the saga on Jada Pinkett Smith‘s Red Table Talk show on Facebook Watch.

On What Happened That Night:

“Tristan was there at the party, he was doing his own thing. Normal LA culture is, go to the bar, go to the club … you go to someones house after. The group of girls I was with, they said we’re going to Tristan’s house after. I said, ‘Cool, I’m glad it’s his house rather than a random stranger.’ We pull in, not once was I aware of anyone’s phone or anything, I don’t have anything to hide. I have no clue who told them to take away phones. We’re all dancing and drinking and enjoying our time … I’m not thinking that I shouldn’t be here. That’s my first step where I went wrong. I didn’t think, ‘How would I feel if somebody I knew was hanging at my ex’s house or the father of my child’s house?” I should have gone home after the party.

The night’s going on and never once was I making out with him, sitting all over him, giving him a lap dance. Never once did we leave a public area, go to a bedroom or go to the bathroom. I want people to stand up and be accountable but I don’t want anyone to feel what I’m feeling right now. I didn’t have my arm around him but my legs were laying right over him. He didn’t try to make a move on me or take me to any room.”

On What Happened The Next Morning:

“I allowed myself to be there and I wasn’t belligerently drunk to a blackout moment. I was drunk, I was not tipsy but I was not beyond the point of recollection. But, on the way out … he did kiss me. No passion, no nothing, he just kissed me. A kiss on the lips. But no making out, no kiss with tongue. I didn’t know how to feel! I was like, ‘That didn’t just happen.’ And I got in the car and I was like, ‘No, that didn’t happen.’”

Talking To Khloe And Kylie:

“I told them I was there, and I told them that there were girls there but they weren’t all over him or he wasn’t trying to get with them. I wasn’t honest about everything that had taken place. I know I was trying to protect Khloe’s heart. She doesn’t deserve this either. I’m no home wrecker, I would never try to hurt someone’s home, especially someone I love. I’m not trying to steal someone’s man, I don’t need your situation.”

On Whether Or Not She’s The Reason Tristan And Khloe Aren’t Together:

“I know I’m not the reason they broke up. I never slept with him, and never will I. There’s been no communication with him, no relationship prior to this. No plans of meeting up. No conversation, nothing.”

On Being Bullied:

“The crazy things is the arms that I thought would be around me are nowhere to be found. The first few days after this, I couldn’t look at my phone. Every day it’s a new headline, a new person wishing death upon me or telling me, ‘Your father deserved to die.’ I may have done something wrong but I don’t think I ever did something to deserve this. If I were a weak person, I would probably have hurt myself. Everyone’s safety is now … my brother can’t got to work, my sister, she’s 12, she can’t even go to school. My mom, she can’t go to work. I’m not here to play the victim, I’m here to take responsibility.”

Watch the full episode here.

 

Black America Web

ENTERTAINMENT UPDATE:

The Money Snapshot: A Chemist in New Jersey Shares Thoughts on Student Loans, Mortgages, & More!

chemist-nj-money-snapshot-under-30

Presenting our second “money snapshot,” this time with a 29-year-old chemist in New Jersey! She notes: “We paid off our cars and my student loan debt, and now we are saving for a house.”   

By way of background: we got a few requests from readers to launch our own “money diary” series, so we asked willing readers to fill out a form with lots of details about debt, spending, saving and more!  If you’d like to fill out the form and be considered for a future personal money snapshot, please click here if you’d like to see the form and/or submit responses! You can also see a PDF of the questions if you want to review them ahead of time. See others in the Personal Money Snapshot series here.

Please remember that this is is a real person who has feelings and isn’t gaining anything from this, unlike your usual friendly (soul-deadened, thick-skinned, cold-hearted, money-grubbing) blogger — so please be kind with any comments. Thank you! — Kat

Name: J
Location: Collingswood, NJ
Age: 29
Occupation: Chemist
Income: $ 85,000
Household income: $ 176,000
Partner’s age: 30
Household net worth:
not sure
Net worth when started working: Nothing except $ 55,000 in student loan debt (age 22)
Current debt: $ 0
Living situation: Currently renting; rent is $ 1,525/month

Debt

How much money are you spending each month to pay down debt?
$ 3,000 credit card bill — covers almost all expenses except rent

How did you pay for school?
Grants and loans

Have you paid off any major debt? 
Honestly, I wouldn’t have been able to pay off student loans so quickly ($ 54k in 7 years) if I didn’t have a partner covering all our daily expenses. 

What is your living situation?
We are renting — we rented for five years before we aggressively started saving for a house. In 18 months we had enough for a mortgage that we felt comfortable with, but we’re still hesitant to buy because property taxes in our area are so high and we aren’t 100% sure we want to (can?) commit to this area.

Savings, Investments & Retirement

How much do you save for retirement?
15% or more of my salary in 401k, and I have a rollover IRA that I haven’t touched. Both are more risk-balanced since I’m under 30.

How much money do you allocate to other tax-savvy investments/accounts like HSAs, 529s, FSAs, and others?
From 2011–2018, I put $ 10 a month into my HSA to focus on student loans. In 2019, I’ll contribute almost the maximum.

How much do you save outside of retirement accounts?
My partner pays for day-to-day expenses, and most of my salary (minus Target trips and a few monthly expenses like Audible) goes to a savings account.

Do you have/use a financial adviser or planner? Do you have a favorite index fund where you stick everything? Are you doing a bond ladder or other asset allocation strategy (like value funds or target retirement funds)?
No, but I think we should use a financial adviser soon. After Christmas [2018], I want to buy index fund.

Do you have an end goal for saving (e.g., early retirement or job change) or are you just saving for a rainy day?
House, Travel, and Apocalyptic life events. Early retirement would be great, but I haven’t thought about how to do that.

What’s the #1 thing you’re doing to save money, limit spending, or live frugally?
Automatic transfers help. Also, this sounds terrible, but having almost all our expenses on one credit card keeps me accountable. I’m far less likely to impulse spend if I know my partner is checking the credit card every week. My personal credit cards don’t have travel rewards, so I only want to use the joint CC and use the points to travel abroad. So my impulse spending is limited, and when I do spend, it’s at least going to be rewarded with crepes in Paris or something.

When did you start saving seriously? How has your savings strategy changed over the years?
I started saving seriously at the age of 26, and even more aggressively at 28.

How much do you have in cash that’s available today?
$ 2,000

How much do you have in cash that’s available in a week, such as with an online savings account?
$ 70,000

Spending 

How much do you spend on the following categories on a monthly basis?

Groceries: $ 300
Restaurants, bars, takeout, and delivery:
$ 150
Clothing and accessories: $ 150
Transportation: $ 160
Rent/living expenses: $ 1,525 (rent)

What’s your spending range for these things? What’s your average?

Vacations – Range: $ 0$ 5,000
Vacation – Average: $ 2,500

Individual items of clothing – Range: $ 5–$ 75
Individual items of clothing – Average: $ 40

Apartment or house – Range: $ 900–$ 1,600/month
Apartment or house – Current main residence: $ 1,525/month

Car or other vehicle – Range: $ 0$ 400/month
Car or other vehicle – Last purchase / current main vehicle: $ 400/month

Fill in the blank on this question: I could save _____ if I stopped ______, but I don’t because _______.
I could save $ 150/month if I moved closer to work, but I don’t because the state I work in is undesirable in so many ways.

When was your wedding and how much did it cost? 
Everything including honeymoon cost about $ 30,000. My parents covered about half. We spent a lot of money on the venue, food, and photographer. We bought our own alcohol (tax-free Delaware), hired the least experienced but still awesome DJ, and I got all the table flowers from Produce Junction and Trader Joe’s. 

If you own, how much did your car cost?
$ 22,000  

Money Strategy

Do you have a general money strategy?
Save as much as possible, and between my partner and I, try to live on one income and save the rest.

What advice would you give your younger self about personal finance?
Get a roommate after college. Don’t buy a new car.

Photo credit: icons via Stencil. 

Psst: We’ve talked about automatizing saving and automatic investing, as well as how to decide whether to pay down debt or save

 

The post The Money Snapshot: A Chemist in New Jersey Shares Thoughts on Student Loans, Mortgages, & More! appeared first on Corporette.com.

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Garmin shares surge 15 percent as new direction fuels strong forecast

Garmin Ltd on Wednesday forecast full-year revenue and profit above expectations along with strong fourth-quarter results, sending its shares up 15 percent to their highest in more than a decade.


Reuters: Technology News

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Iyanla Shares The Unforgettable Words Her Stepmother Told Her | Iyanla: Fix My Life | OWN

OWN

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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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Family Affair: Tiffany Haddish Shares Funny Story That Drake & His Daddy Slid Into Her DM’s

'The Lego Movie 2: The Second Part' World Premiere - Arrivals

Source: Adriana M. Barraza/WENN.com / WENN

via Madamenoire:

Y’all already know that Tiffany Haddish doesn’t follow regular protocol when it comes to celebrities and the encounters she decides to share. Nothing is off limits. And during a recent interview with Glamour UK, Haddish shared that while she was trying to date Drake, as well as his father, Dennis Graham, was trying to get at her.

Haddish said, “Drake slid into my DMs and I had seen him a few days later. He’s like, ‘Yo, you didn’t respond to my DM.’ I was like, ‘I didn’t even know you followed me. ’He was like, ‘Well, I just wanted to know if you want to be in my music video.’ I was like, ‘Oh, okay.’ So I did his music video. Then I thought, maybe something might happen. I was like ‘So you going to take me to dinner?’ And he was like, ‘Yeah, we can eat dinner.’ Then, I never heard from him again. And that’s because I was being thirsty. That’s my fault! That’s my fault. I should have been like, ‘I’ll see if I can be in your little funky video. Who are you? What do you do again? His dad be hitting me up though and I turned his dad down. So I might end up being Drake’s stepmama.”

It’s abundantly clear that Drake’s daddy is enjoying his son’s fame and access. Ain’t no telling how many celebrities he’s pushing up on.

 

Entertainment – Black America Web

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Teva Shares Fall As Q4 Adj. Profit Misses View, Outlook Disappoints

Israel-based generic drug maker Teva Pharmaceutical Industries Ltd. on Wednesday reported a loss for the fourth quarter that narrowed from last year as a decline in revenues was more than offset by lower costs and expenses. However, adjusted earnings per share missed analysts’ expectations, while revenues beat estimates. Teva provided its financial outlook for fiscal 2019 also below estimates.
RTT – Earnings

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Justin Theroux Finally Shares His Character’s Interpretation Of ‘The Leftovers’ Finale | PeopleTV

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SPECIAL NEWS BULLETIN:

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

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SPECIAL DONATION REQUEST UPDATE:

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Schultz won’t say whether he’ll sell Starbucks shares

At a CNN town hall in Houston, former Starbucks CEO Howard Schultz is asked whether he will sell his shares in the coffee chain if he is elected president.


CNN.com – RSS Channel

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Beto O’Rourke shares stage with Oprah

Associated Press

SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

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

Personal Money Snapshot: An Administrator in Public Higher Education and Former Lawyer Shares Her Money Snapshot!

 

Eeek – we are thrilled to present our very first personal money snapshot! By way of background: we got a few requests from readers to launch our own “money diary” series, so we asked willing readers to fill out a form with lots of details about debt, spending, saving and more!  If you’d like to fill out the form and be considered for a future personal money snapshot, please click here if you’d like to see the form and/or submit responses! You can also see a PDF of the questions if you want to review them ahead of time.

Today’s snapshot features reader P, who notes: “I have worked almost exclusively in public administration or higher education, so not a high roller here! Husband had a job loss early in career (about five years ago) that screwed us up.”

Please remember that this is is a real person who has feelings and isn’t gaining anything from this, unlike your usual friendly (soul-deadened, thick-skinned, cold-hearted, money-grubbing) blogger — so please be kind with any comments. Thank you! — Kat

Name: P
Location: Chapel Hill, NC
Age: 32
Occupation: lawyer –> public higher ed administrator
Income: $ 83,000
Household income: $ 165,000
Partner’s age: 34 (husband)
Household net worth:
 About $ 100,000
Net worth when started working: $ 26,000 (age 24)
Current debt: $ 15,000 credit card debt, $ 2,000 student loans
Living situation: Currently renting; rent is $ 1,400/month. (I do not contribute to rent.)

Debt

What does your debt picture look like?
Aggressively paying down $ 15,000 in consumer debt (credit card) accrued due to a job loss, a period of underemployment after a relocation to a much lower cost of living area (from D.C. to Chapel Hill), and shopping like an idiot. I have about $ 2,000 left on my student loans, which was only $ 10,000 to start.

How much money are you spending each month to pay down debt?
$ 2,000

How did you pay for school?
I made educational choices that left me with as little debt as possible (full scholarships to both undergrad and law school, albeit to lower ranked, less challenging institutions than I could have succeeded in). I always had two jobs during school (except for during 1L). Parents generously paid my rent and let me drive a family car.

What is your living situation?
We rent because we moved here with very little in savings and have lower-paying jobs. We sold our home to move to D.C., which subsequently ate our money ($ 2,500/month in rent for a 1-bedroom in Maryland), and now we rent for both money reasons and for flexibility reasons. We are planning to purchase again in 2019, thankfully, as we build savings and have a better grasp on what we want from our home.

Have you ever done anything noteworthy to avoid or lessen debt?
We had to cash out a small retirement account when my husband lost his job in 2013. We used it as a stopgap for some major things, but ultimately he re-invested about $ 4,000 of that.

Savings, Investments & Retirement

How much do you save for retirement?
I invest about 15–20% of my gross pay each month (target date retirement funds), with some of that as an employer match. Higher ed has its minimal benefits for things like matching!

How much do you have in retirement savings?
$ 70,000 (just mine)

How much do you save outside of retirement accounts?
We fund an emergency account for about $ 400/month, a down payment account at about $ 1000–$ 1500/month, and a vacation fund at $ 100/month. Buying a house is first priority, and a not-sucky retirement is the other. We are childfree and find that impacts some of our decisions with relationship to both the house and retirement.

What’s the #1 thing you’re doing to save money, limit spending, or live frugally?
We just don’t buy a lot of stuff, clothes, disposable things. We’re relatively minimal with our “stuff” consumption. And we bring lunches!

How much do you have in cash that’s available today?
Twenty bucks? Idk, I’m a millennial.

How much do you have in cash that’s available in a week, such as with an online savings account?
$ 20,000, all of my banking is online, no brick and mortar (includes $ 7,000 emergency fund).

Spending 

How much do you spend on the following categories on a monthly basis?

Groceries: $ 600
Restaurants, bars, takeout, and delivery:
$ 400
Clothing and accessories: Less than $ 100
Transportation: Household spends about $ 330 (gas plus car payments, two cars)
Rent/living expenses: $ 1,400
Entertainment: $ 25, Hulu and Netflix only
Health care: $ 50/month each for two individual plans; no kids

What’s your spending range for these things? What’s your average?

Vacations – Range: $ 50–$ 7,000
Vacation – Average: $ 2,500

Individual items of clothing – Range: $ 10–70
Individual items of clothing – Average: $ 40

Apartment or house – Range: $ 1,000–$ 2,600
Apartment or house – Current main residence: $ 1,400 (rent)

Car or other vehicle – Range: $ 8,000–$ 10,000, always buy used, hate cars
Car or other vehicle – Last purchase / current main vehicle: $ 10,000, used vehicle

When was your wedding and how much did it cost? 
2010, $ 30,000 total (parents paid), $ 250 for my wedding ring, about $ 300 for bridesmaids’ gifts, $ 250 for husband’s gift. Was married at 24 to my high school sweetheart (still am!). Tradition in my family is parents pay; it is “their party in our honor,” and the guest list was big (175+) due to very large families. Did not get married in a church. Married by judge I interned for, on lawn of beach club in New England. No honeymoon, as we had just started jobs.

Are there any other large expenses in your life, now or previously?
Husband doesn’t do the taxes anymore… didn’t know how to calculate “income” for IRS purposes so we had a $ 6,000 tax bill one year. Ugh.

Money Strategy

Do you have a general money strategy?
Make as much as you can while still having a life and being happy; spend it on the experiences and food you really want.

Stock photo credit: Deposit Photos / Dualshock

 

The post Personal Money Snapshot: An Administrator in Public Higher Education and Former Lawyer Shares Her Money Snapshot! appeared first on Corporette.com.

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Lady Gaga’s Colorist Patti Song Shares Platinum Hair Care Tips

If you’re considering going platinum blonde sometime soon, it’s crucial that you know what you’re getting into and go in armed with the right knowledge, like how to properly use purple shampoos. In a recent interview, Lady Gaga’s longtime colorist Patti Song revealed about how she keeps the singer’s strands healthy and vibrant, despite dyeing it so often. Check out her advice and more platinum hair-care tips, here.
Allure

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Porsha Williams Shares A RHOA Throwback Pic From Japan – Fans Call Her The Queen Of Fashion

Porsha Williams just shared a throwback photo since she and the RHOA ladies visited Japan. Currently, the pregnant beauty should be giving birth pretty soon and fans cannot wait to meet baby PJ. We cannot either!

So far, Porsha’s pregnancy has been free of any hassle and troubles as far as we know, and we hope that things remain like that. She’s supposed to give birth at the end of this month, according to some recent reports.

‘Tokyo Bihhhhhhh #Rhoa 🎎 #PJTakesJapan’ Porsha captioned her photo.

Someone said to Porsha these flattering words: ‘Girl you are the queen of fashion😍😍😍

Another follower wrote ‘What a blessed favorable queen true beauty course nene and pheadra too those three are the bomb.’

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Tokyo Bihhhhhhh #Rhoa 🎎 #PJTakesJapan

A post shared by #PorshaWilliams (@porsha4real) on

Someone else wrote ‘My daughter lives in Japan and is fluent in Japanese. I was there visiting for two weeks. She took me to the same Temple. She’s there 7 years now. You look beautiful. I enjoyed the episode yesterday.’

One supporter gushed over the RHOA star and told her ‘Porsha pregnancy looks good on you. Really cute now stop arguing and fighting with @kandi y’all both have positive things going on live your best life.’

Porsha has recently shared a photo from a date night that she had with her fiance, Dennis McKinley and fans were in awe.

They told her that she’s glowing from within and wished her and her future hubby all the best.

She had recently shared a photo of herself when she was much younger, and fans told her that she looked just like Kandi Burruss in that pic.

Celebrity Insider

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Netflix shares dip as Q4 revenue misses estimates

Netflix cut its outlook for the current quarter as its revenue and subscriber growth disappointed some investors, sending the streaming giant’s stock tumbling nearly 4 percent in after-hours trades. The company, which has been spending billions as it cranks out original films and series like “Bird Box,” “Roma,” “Stranger Things” and “Tidying up with Marie…
Technology News & Reviews | New York Post

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Netflix forecast misses Wall Street view, shares dip

Netflix Inc forecast first-quarter revenue slightly below Wall Street estimates on Thursday, even after a record quarter for new customers, sending shares of the world’s largest streaming service down 4 percent in after-hours trading.


Reuters: Arts

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Macy’s shares tank 17 percent on disappointing holiday sales

Shares of Macy’s plunged 17 percent in early trading on Thursday, after the department store operator cut same-store sales forecast for the crucial holiday quarter due to weak demand during mid-December. Sales from Macy’s stores and third-party licensees open for more than 12 months is now expected to grow about 2 percent, lower than a…
Business | New York Post

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Apple warning shakes European shares as tech stocks tumble

Apple’s first sales warning in nearly 12 years sent European shares sliding on Thursday, with the tech sector particularly badly bruised as chipmakers that supply the iPhone maker fell sharply.


Reuters: Arts

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Bayer shares jump after judge’s ruling on Roundup cancer claims

Bayer shares rose by more than 6 percent Friday, a day after a key court ruling in the upcoming trials over whether its Monsanto weedkillers can cause cancer. A federal judge overseeing the lawsuits late Thursday issued the order, which could severely restrict evidence that the plaintiffs consider crucial to their cases. Bayer shares were…
Business | New York Post

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Apple warning shakes European shares as iPhone suppliers, luxury stocks tumble

Apple’s first sales warning in nearly 12 years sent European shares sliding on Thursday, with the tech sector particularly badly bruised as chipmakers that supply the iPhone maker fell sharply.


Reuters: Arts

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Brooklyn Congresswoman Yvette D. Clarke Shares 5 Keys to Success in 2019

During this year’s second annual Success Supper—an annual family-style dinner designed to recognize and celebrate women who embody grace and fortitude while impacting their community—Brooklyn Congresswoman Yvette D. Clarke, a Democratic member of the U.S. House of Representatives and a legislative pillar in Brooklyn, New York’s 9th district, talked about the importance of communities supporting black women.

As a co-chair of the Congressional Black Caucus of Black Women and Girls, Clarke focuses on providing women with the education and entrepreneurial resources needed to become successful business owners.

Congresswoman Clarke shared five keys to success in the New Year:

Evaluate your network

“It’s about the circles you’re in, your network. We have to ask ourselves who is in our network? The challenge for our community is not one of worth, it’s one of trust. Because we’re spending money every day how much of those dollars do you spend with black entrepreneurs?”

Use your Influence

“We’re not using our influence. Were very influential. As a matter of fact, there is not a popular trend that’s been started that we have not been at the heart of.”

Trust Your Abilities

“Always trust in yourself and your abilities. Be self-aware, because understanding yourself helps you to improve your leadership.”

Stay True to Yourself

“It’s important for us to stay true to ourselves. Not everyone is going to be out here [protesting] in the street but some folk may fund the movement. Not everyone is going to be the person who is going to be out front but every leader is building an organization of support.”

Stay Focused

Stay focused enough [on your] own goals and aspirations.

The post Brooklyn Congresswoman Yvette D. Clarke Shares 5 Keys to Success in 2019 appeared first on Black Enterprise.

Career | Black Enterprise

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Facebook shares could hit $160 in 2019: Citron

Short-seller Citron Research on Wednesday backed Facebook Inc, saying the stock could hit $ 160 in 2019 as the company’s revenue and user base have seen little impact from the reported data scandals and privacy issues this year.


Reuters: Technology News

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Consumer shares ‘the worst Amazon delivery story ever’

Dear John: Here’s some comic relief: The Worst Amazon Delivery Story Ever. Last week, we ordered a safe (as in, the thing you keep valuables in). Amazon promptly delivered a monstrosity that weighed about 100 pounds. But they forgot to include the key, without which the safe cannot be opened or closed. The key weighs…
Business | New York Post

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Twitter shares plummet after being compared to Harvey Weinstein

Twitter shares plummeted 11 percent Thursday after a short-seller called the Web site “the Harvey Weinstein of social media.” Citron Research’s Andrew Left piled on the social network in response to an Amnesty International report from earlier this week that labeled it a breeding ground for abuse and hate speech. “When we read the just-published…
Business | New York Post

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Lyrica Anderson Of “Love & Hip Hop Hollywood” Shares First Pictures Of Baby Ocean

Lyrica Anderson and her husband A1 Bentley seem to be enjoying the highs of parenthood.

Anderson took to her social media to share three photos of her little nugget, Ocean Zion Bentley, giving fans the first glimpse since his birth

MadameNoire

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“What’s Free?”: Jay-Z Shares Lessons in Business and Ownership on Meek Mill’s New Album

Just months after being released from prison for violating probation, rapper Robert Rihmeek Williams, best known as Meek Mill, released a much-anticipated album last week. The album, titled Championships, features hardcore beats, a rotation of hip hop superstars, including Cardi B and Drake, and a powerful message about Meek’s road to redemption.

On the standout track “What’s Free?” Meek teamed up with hip hop heavyweights Jay-Z and Rick Ross, who rap about their definition of freedom over the beat from Biggie Smalls’ 1997 classic “What’s Beef?” Jay-Z, however, outshines his cohorts with an exceptional verse, using his lyrical prowess to drop knowledge about the struggle for black liberation and allegedly take shots at the MAGA-loving Kanye West. In addition, the Brooklyn-born rapper boasts about his lucrative business investments and the massive accumulation of wealth he’s built over the years.

Here are eight lessons Jay-Z shared about business, ownership, and financial freedom on “What’s Free?”

Meek Mill

Spotify Fans first event for Meek Mill’s new album, Championships, in New York on December 1, 2018 (Photo Credit: Francis Montoya / SlingShotMenace, LLC)

“I’m 50% of D’usse and it’s debt free”

In this lyric, Jay-Z raps about his profitable stake in D’usse. The hip hop icon tapped into his personal savings to purchase equity in the cognac brand back in 2011. Because he did not have a need for financing, he was left with no debt and has reaped tremendous profits. In addition to being a partial owner, the mega-mogul also serves as head of global strategy for the brand.

 

“100% of Ace of Spades, worth half a B”

Jay-Z brags about his ownership of Armand de Brignac, a champagne popularly known as Ace of Spades. He expressed his affinity for the brand by featuring it in his rhymes and videos long before he bought the champagne from Sovereign Brands for an undisclosed amount in 2014. His brilliant marketing has, in turn, made Ace of Spades one of the most popular Champagne brands on the market and a staple at high-end clubs, bars, and establishments. Today, the luxury champagne can cost up to $ 1,000 per bottle, while the value of the company has skyrocketed.

 

“Roc Nation, half of that, that’s my piece”

Here, Jay-Z shouts out another part of his business empire, Roc Nation, a multi-platform entertainment company he founded in 2008. The company specializes in artist management, music publishing, concert touring and production, and film and TV production. It also serves as a talent and sports agency that represents A-list clients like Shakira, Rihanna, NBA star Kevin Durant, and NFL player Victor Cruz.

 

“100% of Tidal to bust it up with my Gs”

The successful rapper and entrepreneur goes on to highlight his music platform Tidal, a subscription-based streaming service he purchased in 2015, along with a variety of other high-profile music artists. Last year, he sold 33% of the company to Sprint for $ 200 million, raising the valuation of the company to $ 600 million.

 

“We made the project a wave; You came back, reinvested and gentrified it”

This line is a reference to the gentrification of low-income communities, an epidemic that disproportionately hurts people of color. The invasion of real estate investors, who are often wealthy and white, in these areas drives up rents and the cost of living, which leads to the displacement of working-class residents as well as the erasure of the neighborhood’s character. That’s why Jay is stressing the importance of ownership — without it, people of color can be stripped of their land, culture, and identity.

 

“I ain’t got a billion streams, got a billion dollars”

A large part of Hov’s discography has been removed from Tidal’s music-streaming competitors, like Spotify and Apple Music. The move cost the rap mogul tons of streams. Nevertheless, its smart business moves like this that have made him the highest-earning rapper of 2018. The decision also speaks to his acumen as a businessman who is willing to make a personal career sacrifice for the ultimate benefit of his business.

 

“Them people stole the soul and hit ni—s with 360s”

Jay-Z addresses how hip hop, which began as a medium of expression for African Americans, has been co-opted by big businesses and major record labels who earn major profits from artists who sign 360 deals. These notorious contracts give labels a stake in the revenue an artist generates from touring, performing, selling merchandise, endorsements, and appearing in movies and television.  According to Jay, the deal is equivalent to someone selling their soul.

He, on the other hand, has bought the masters rights to his music. This ownership gives him leverage to use the masters to bargain the terms of a contract with a company or platform that wants access to his catalog.

 

“My accountant’s so good, I’m practically livin’ tax-free”

Like many wealthy elites, Jay-Z uses loopholes and provisions in U.S. tax law for his own financial advantage. The mogul raps about how his tax advisors prevent him from unnecessary taxation and allow him to submit the minimum amount on his tax returns. For example, in 2011, Jay-Z and Kanye West donated the Maybach used in their “Otis” music video to auction and used the proceeds to benefit the drought crisis in East Africa. As a result, the donation was tax-deductible.

The post “What’s Free?”: Jay-Z Shares Lessons in Business and Ownership on Meek Mill’s New Album appeared first on Black Enterprise.

Money | Black Enterprise

FASHION DEAL UPDATE:

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

“What’s Free?”: Jay-Z Shares Lessons in Business and Ownership on Meek Mill’s New Album

Just months after being released from prison for violating probation, rapper Robert Rihmeek Williams, best known as Meek Mill, released a much-anticipated album last week. The album, titled Championships, features hardcore beats, a rotation of hip hop superstars, including Cardi B and Drake, and a powerful message about Meek’s road to redemption.

On the standout track “What’s Free?” Meek teamed up with hip hop heavyweights Jay-Z and Rick Ross, who rap about their definition of freedom over the beat from Biggie Smalls’ 1997 classic “What’s Beef?” Jay-Z, however, outshines his cohorts with an exceptional verse, using his lyrical prowess to drop knowledge about the struggle for black liberation and allegedly take shots at the MAGA-loving Kanye West. In addition, the Brooklyn-born rapper boasts about his lucrative business investments and the massive accumulation of wealth he’s built over the years.

Here are eight lessons Jay-Z shared about business, ownership, and financial freedom on “What’s Free?”

Meek Mill

Spotify Fans first event for Meek Mill’s new album, Championships, in New York on December 1, 2018 (Photo Credit: Francis Montoya / SlingShotMenace, LLC)

“I’m 50% of D’usse and it’s debt free”

In this lyric, Jay-Z raps about his profitable stake in D’usse. The hip hop icon tapped into his personal savings to purchase equity in the cognac brand back in 2011. Because he did not have a need for financing, he was left with no debt and has reaped tremendous profits. In addition to being a partial owner, the mega-mogul also serves as head of global strategy for the brand.

 

“100% of Ace of Spades, worth half a B”

Jay-Z brags about his ownership of Armand de Brignac, a champagne popularly known as Ace of Spades. He expressed his affinity for the brand by featuring it in his rhymes and videos long before he bought the champagne from Sovereign Brands for an undisclosed amount in 2014. His brilliant marketing has, in turn, made Ace of Spades one of the most popular Champagne brands on the market and a staple at high-end clubs, bars, and establishments. Today, the luxury champagne can cost up to $ 1,000 per bottle, while the value of the company has skyrocketed.

 

“Roc Nation, half of that, that’s my piece”

Here, Jay-Z shouts out another part of his business empire, Roc Nation, a multi-platform entertainment company he founded in 2008. The company specializes in artist management, music publishing, concert touring and production, and film and TV production. It also serves as a talent and sports agency that represents A-list clients like Shakira, Rihanna, NBA star Kevin Durant, and NFL player Victor Cruz.

 

“100% of Tidal to bust it up with my Gs”

The successful rapper and entrepreneur goes on to highlight his music platform Tidal, a subscription-based streaming service he purchased in 2015, along with a variety of other high-profile music artists. Last year, he sold 33% of the company to Sprint for $ 200 million, raising the valuation of the company to $ 600 million.

 

“We made the project a wave; You came back, reinvested and gentrified it”

This line is a reference to the gentrification of low-income communities, an epidemic that disproportionately hurts people of color. The invasion of real estate investors, who are often wealthy and white, in these areas drives up rents and the cost of living, which leads to the displacement of working-class residents as well as the erasure of the neighborhood’s character. That’s why Jay is stressing the importance of ownership — without it, people of color can be stripped of their land, culture, and identity.

 

“I ain’t got a billion streams, got a billion dollars”

A large part of Hov’s discography has been removed from Tidal’s music-streaming competitors, like Spotify and Apple Music. The move cost the rap mogul tons of streams. Nevertheless, its smart business moves like this that have made him the highest-earning rapper of 2018. The decision also speaks to his acumen as a businessman who is willing to make a personal career sacrifice for the ultimate benefit of his business.

 

“Them people stole the soul and hit ni—s with 360s”

Jay-Z addresses how hip hop, which began as a medium of expression for African Americans, has been co-opted by big businesses and major record labels who earn major profits from artists who sign 360 deals. These notorious contracts give labels a stake in the revenue an artist generates from touring, performing, selling merchandise, endorsements, and appearing in movies and television.  According to Jay, the deal is equivalent to someone selling their soul.

He, on the other hand, has bought the masters rights to his music. This ownership gives him leverage to use the masters to bargain the terms of a contract with a company or platform that wants access to his catalog.

 

“My accountant’s so good, I’m practically livin’ tax-free”

Like many wealthy elites, Jay-Z uses loopholes and provisions in U.S. tax law for his own financial advantage. The mogul raps about how his tax advisors prevent him from unnecessary taxation and allow him to submit the minimum amount on his tax returns. For example, in 2011, Jay-Z and Kanye West donated the Maybach used in their “Otis” music video to auction and used the proceeds to benefit the drought crisis in East Africa. As a result, the donation was tax-deductible.

The post “What’s Free?”: Jay-Z Shares Lessons in Business and Ownership on Meek Mill’s New Album appeared first on Black Enterprise.

Money | Black Enterprise

FASHION DEAL UPDATE:

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

European Shares Set To Follow Wall Street Lower

European stocks may follow their U.S. and Asian peers lower on Wednesday as investors fret about trade tensions and slowing global growth.
RTT – Top Story

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Jenni “JWoww” Farley Shares Video of Son Greyson Speaking After Revealing Autism Diagnosis

JWoww, Son, Greyson, InstagramIt’s like Jenni “JWoww” Farley’s son Greyson can taste the rainbow!
On Saturday, the Jersey Shore star shared a sweet video of her 2-year-old son repeating colors after…

E! Online (US) – Top Stories

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European Shares Extend Losses On Risk Aversion

European stocks fell on Tuesday to extend losses from the previous session as global growth worries persisted and investors watched the latest developments on Brexit after U.K. Prime Minister won support from Britain’s top business group for her draft Brexit deal.
RTT – Top Story

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Disney gets approval from China for its Fox acquisition, sending shares of both companies up

The deal still needs regulatory approval from several countries, but the unconditional Chinese approval marks a big hurdle for Disney
Top News & Analysis

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‘Tidelands’ star Elsa Pataky shares her Spain-inspired style picks

In the past two months, Elsa Pataky has jetted to San Sebastián for a film festival, Santorini on a girls’ trip and Morocco with her family. The 42-year-old model and actress, best known for the “Fast and the Furious” franchise, shares these adventures with her 2.4 million Insta followers. But home base is Australia’s Byron…
Fashion News, Photos, and Video | New York Post

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Nordstrom shares slide amid weak sales growth

Shoppers love Nordstrom — as long as they get a deal. The upscale department store posted anemic sales growth of 0.4 percent at its full-price stores while sales at its discount chain, Nordstrom Rack, shot up 5.8 percent in the third quarter. Nordstrom’s overall comparable sales growth of 2.3 percent was just shy of Wall…
Business | New York Post

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Luke Bryan Shares The Best Piece Of Advice He’s Given On American Idol | CMAs 2018 | PeopleTV

PeopleTV

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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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Amy Schumer Shares Ultrasound Video of Her Baby: ‘It Has So Much Energy — That’s Why I’m Puking’

Say hello to Amy Schumer‘s baby on the way!

The pregnant actress and comedian, 37, shared an ultrasound video on Instagram Monday, over two weeks after her appointment as the footage was dated Oct. 16.

“It’s moving all around! Oh my God, oh my God, see it has so much energy — that’s why I’m puking every day,” Schumer said as she excitedly watched the screen, which showed her child’s arms and legs in motion.

Much like her Oct. 22 pregnancy announcement, the video had a secondary purpose as Schumer urged fans and followers to vote in the Nov. 6 midterm elections.

“Happy Election Eve!” the mother-to-be, who is married to chef Chris Fischer, captioned her ultrasound footage. “You can look up your polling place + hours by texting LOCATION to 21333 And you can look up a sample ballot to be prepared at vote411.org/ballot Make a plan to #vote and let’s make history tomorrow!”

Want all the latest pregnancy and birth announcements, plus celebrity mom blogs? Click here to get those and more in the PEOPLE Babies newsletter.


View this post on Instagram

Happy Election Eve! You can look up your polling place + hours by texting LOCATION to 21333 And you can look up a sample ballot to be prepared at vote411.org/ballot Make a plan to #vote and let’s make history tomorrow! ♥🗳 (Feel free to copy this + send it to everyone.) thanks @piperperabo

A post shared by @ amyschumer on Nov 5, 2018 at 2:33pm PST

//www.instagram.com/embed.js

In addition to recently showing off her baby bump for the first time on Instagram, Schumer has continued to update her fans about her pregnancy.

On Friday, the I Feel Pretty star discussed being in her second trimester while performing stand up in Las Vegas. “I don’t like it,” she said, later adding, “I’ve had a really tough pregnancy so far.”

Joking that she has “a half a year” left of pregnancy, Schumer also said everyone is a “psychic” when it comes to the sex of her baby. “It’s a 50/50 shot. It’s better odds than in Vegas. I don’t know what it’s going to be. I think it’s going to be a baby,” she said.

RELATED: Amy Schumer Calls Her Baby on the Way ‘My Precious’ as She Cradles Her Growing Bump

Schumer’s sister Kim Caramele recently joked about her sibling and brother-in-law becoming first-time parents.

“They are going to be UNBEARABLE parents,” Caramele captioned a photo of Schumer and Fischer taking pictures of their dog Tatiana dressed in a lamb costume for Halloween.


PEOPLE.com

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Michelle Obama Shares a Revealing (and Funny) Anecdote About Barack Obama | Oprah’s Book Club | OWN

OWN

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

CHARITY UPDATE :

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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!

Apple shares slide 5 percent on lowered profit forecast by iPhone XR supplier

iPhone anxiety is hitting Apple’s stock again. Shares of the tech giant slid as much as 5 percent Monday on a profit warning from a parts supplier for the company’s new iPhone XR — a new, lower-priced model that has been positioned to drive big sales. Lumentum, which builds laser sensors for the iPhone XR’s…
Technology News & Reviews | New York Post

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Ralph Lauren shares plummet after lackluster quarter

Ralph Lauren’s 3-year-old turnaround bid isn’t galloping like a polo pony yet. The New York fashion giant’s shares plummeted 6.6 percent Tuesday after it reported lackluster second-quarter results, with experts fretting that millennials continue to ignore the brand’s fancy stores and pricey, preppy styles. The upscale clothing label invested heavily in marketing during the quarter…
Business | New York Post

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Asian Shares Retreat Ahead Of US Elections, Fed Meeting

Asian stocks fell across the board on Monday as hopes of an imminent U.S.-China trade deal faded and investors looked ahead to the U.S. mid-term elections as well as the FOMC meeting for directional cues.
RTT – Top Story

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Apple Profit, Revenues Top Wall Street View, Outlook Disappoints; Shares Down 4%

Apple Inc. (AAPL) Thursday reported an earnings and revenues for the fourth quarter that trumped Wall Street estimates, helped by strong demand for its pricier iPhone X and XS. However, shares slipped over 4 percent in extended session after the iPhone maker issued a weak revenue outlook for the holiday season quarter.
RTT – Top Story

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Apple shares sink as Xmas sales forecast disappoints

Apple shares have plunged in after-hours trading after the iPhone maker’s forecasts for revenues in the the crucial Christmas period missed expectations.
Tech News – Latest Technology and Gadget News | Sky News

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Kylie Jenner Shares Never-Before-Seen 2017 Halloween Video From When She Was ‘Cooking Stormi’

Last year, Kylie Jenner only let us see her Halloween costume starting at the shoulders. The sneaky CEO finally revealed her full angelic costume from 2017, baby bump in tow, and it’s absolutely divine!

Hollywood Life

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Hospital behemoth HCA sees shares jump after strong earnings and forward guidance

The Nashville-based hospital behemoth raised its earnings and revenue guidance for the year. 
Health and Science

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Red Hat shares climb, IBM’s struggle after mega-merger

IBM Corp’s $ 34 billion deal to buy Red Hat Inc drove shares in the small but fast-growing software maker 50 percent higher on Monday, reflecting the huge premium IBM is paying to ward off any potential challenger bids. At $ 175, shares of Red Hat were still trading around $ 15 short of the $ 190 price agreed…
Business | New York Post

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Amazon Q3 Sales, Outlook Miss Street Estimates; Shares Down 6%

Amazon.com Inc. (AMZN) Thursday reported a surge in profit for the third quarter, driven largely by a 29 percent jump in revenues. Earnings for the quarter trounced Wall Street estimates. However, the tech giant’s stock slipped more than 6 percent in extended session after revenues for the quarter fell short of expectations and on weak outlook for the current holiday quarter.
RTT – Top Story

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Harley-Davidson shares just hit a six-year low

Harley-Davidson’s stock hit a six-year low on Tuesday after the motorcycle icon reported a 13.3 percent drop in US sales over the last year as it struggles to woo millennials. The Milwaukee, Wis.-based company’s troubles come months after it got caught in a public battle with President Trump after it announced plans to shift production…
Business | New York Post

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Billionaire collector shares his secret to buying great art that turns into even better investment

Billionaire hedge fund manager J. Tomilson Hill has a keen eye for great art that's also made for some incredible investments. Hill shared some of his personal rules for buying art with CNBC. 
Wealth

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The Street

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Acadia Healthcare shares jump 9% after report of talks with private equity firms

Acadia, which operates a network of nearly 600 behavioral health-care facilities with approximately 17,800 beds in 40 states, has been approached by private equity firms KKR and TPG Global, among others, according to Reuters.
Health and Science

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Radio host Delilah shares advice about losing a child

Associated Press

SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

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

Philip Morris shares jump as new tobacco products gain momentum overseas

Philip Morris International reported quarterly earnings and revenue that surpassed analysts' expectations. The company has been focusing most of its attention on iQOS, a device that heats tobacco instead of burning it.
Health and Science

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U.S. judge approves SEC settlement with Tesla, Musk; shares jump

A U.S. judge on Tuesday approved a settlement between a federal regulator, Tesla Inc and its chief executive officer, Elon Musk, over his tweets promising to take the company private, signaling an end to a tumultuous period for investors.


Reuters: Business News

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Mischa Barton Shares First Behind-the-Scenes Photo With The Hills Co-Stars Audrina Patridge and Stephanie Pratt

Mischa Barton, Audrina Patridge, Stephanie Pratt“The Hills are alive” with a behind-the-scenes look at some of the cast-members on the reality show reboot.
Mischa Barton of The O.C. fame announced on Oct. 3 that she would be…

E! Online (US) – TV News

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Teresa and Joe Giudice’s oldest daughter urges him to fight deportation, shares video claiming ruling ‘racist’

The oldest daughter of “Real Housewives of New Jersey” stars Teresa and Joe Giudice is urging her dad to fight his deportation.

Gia, 17, broke her silence on the decision in a Friday Instagram post in which she also shared a video by a Brooklyn stand-up comic that labeled the ruling “racist.”

“Spread…

/entertainment – New York Daily News

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Asian shares on edge after nine-day rout, mood shaky as volatility spikes

Asian shares appeared tentative on Friday, holding steady after a nine-day losing streak, but sentiment was frail after Wall Street shares crumbled and expectations of market volatility shot up to an eight-month high.


Reuters: Business News

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Activist investor shares theory on Elon Musk’s eccentric behavior

Tesla Chief Executive Elon Musk has been making headlines for all the wrong reasons in the past few months, and one activist investor thinks it’s because he’s trying to sabotage his own job. Greenlight Capital’s David Einhorn, who has been shorting Tesla for some time, said in a poison-pen letter Friday to investors that the…
Technology News & Reviews | New York Post

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Tamara Tunie shares heartfelt dedication to breast cancer awareness

One look at Tamara Tunie’s resume and you wonder when she sleeps. The TV veteran isn’t a household name, but she’s quietly become one of the most prolific actresses in Hollywood — appearing, in the past year alone, in “Blue Bloods” (CBS), “Dietland” and “Better Call Saul” (both on AMC) and the BBC’s “Black Earth…
Entertainment | New York Post

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