Rodney Harrison has simple message for Odell Beckham Jr. after Patriots comments

Rodney Harrison has simple message for Odell Beckham Jr. after Patriots comments originally appeared on nbcsportsboston.com Odell Beckham Jr. caused a bit of a stir earlier this month for saying he wants to turn the Cleveland Browns into the next New England Patriots and win multiple championships. Nothing he said was bad, although it might have been a little over-the-top. OBJ ended up walking back those comments in an Instagram story, but former Patriots safety and current NBC Sports analyst Rodney Harrison still isn't happy with what the superstar wide receiver had to say.

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Fox unveils ‘insanely simple’ business model at Investor Day

Fox Corp. unveiled an “insanely simple” new structure at its first-ever Investor Day Thursday, saying the new company plans to focus its programming almost entirely on live events, like news and sports. Rupert Murdoch first took the stage at the Midtown Manhattan event to explain why the company chose to slim down through the sale…
Business | New York Post

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

Simple way to inoculate teens against junk food marketing

A simple and brief intervention can provide lasting protection for adolescents against the harmful effects of food marketing. Researchers find that reframing how students view food-marketing campaigns can spur adolescents, particularly boys, to make healthier daily dietary choices for an extended period of time. The method works in part by tapping into teens’ natural desire to rebel against authority.
Consumer Behavior News — ScienceDaily

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

We really wish Apple’s $159 AirPods had one simple feature from these $30 true wireless earbuds

True Wireless Earbuds Amazon

$ 159 is a whole lot of money to spend on headphones that you can’t even fully enjoy. Since Apple decided to make the tips out of smooth plastic instead of grippy silicone, they don’t isolate sound and all that great bass leaks right out of your ears. Then you have the SoundPEATS True Wireless Bluetooth Earbuds, which have silicone tips and cost just $ 30. They keep all that great sound locked in your ears so you don’t leak and bass and your music sounds as good as you want it to. For $ 159, Apple should’ve been able to do the same.

SoundPEATS True Wireless Bluetooth Earbuds in-Ear Stereo Bluetooth Headphones Wireless Earphone…: $ 29.99

Here are the key details from the product page:

  • [TWS & BLUETOOTH 5.0] – Adopt global professional Realtek chipset, true wireless design with latest Bluetooth 5.0, the SoundPEATS TrueFree wireless earbuds own fast and stable transmission without tangling.
  • [SINGLE & COUPLE] – Support working together to enjoy stereo sound, or using one earbud only for preference or driving safety. Different from the previous version or other brand, the TrueFree wireless earbuds provide HiFi stereo sound at both music and phone calls.
  • [ONE-STEP PAIRING] – Born to offer you every convenience, the earbuds are built with very easy operation. Pull out the earbuds from charging case and hit on Bluetooth list. That’s how easily you get the earbuds paired.
  • [EXTENDED PLAYTIME] – Compact and lightweight magnetic charging case for you to carry the earbuds around. 3.5 hours playtime per charge and 15 hours in total, the earbuds strive to keep you company longer.
  • [BIG IN SMALL] – SoundPEATS TrueFree wireless earbuds fulfill all your fantasy and needs about Bluetooth earphones. As long as your device is with Bluetooth version above 4.0, you can use it with the earbuds. SoundPEATS provides 12 months hassle-free warranty to ensure the enjoyment of your purchase.

SoundPEATS True Wireless Bluetooth Earbuds in-Ear Stereo Bluetooth Headphones Wireless Earphone…: $ 29.99

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

5 Simple Ways to Use a Bullet Journal to Manage Your Money

Instead of choosing from the dizzying array of online budgeting tools, here’s a novel thought: The best solution to keeping track of your money may be writing everything down with pen and paper.  

The bullet journal — or BuJo, for short — is an analog organizational system that can help you find the “calm in the chaos” (at least, according to the creator of the bullet journal, Ryder Carroll).

What sets the bullet journal apart from other lookalikes is it’s completely customizable. Each page has tiny bullets to use as a guide to track whatever you want. You can set goals, write down to-do lists and track your finances all in one place.

Unlike pre-designed planners, bullet journal budget trackers allow you to create spreads for your particular financial goals and tasks, including the visuals that will most inspire you to reach them.

So if you want to buy a house, for instance, you can color each brick of a house as you save for a down payment.

And if you’ve ever missed a reminder amid the constant pings from the calendar on your phone, you’ll appreciate that bullet journals offer a physical, visually pleasing alternative for tracking your bills.

And you don’t have to be creative to get started.

Alicia Geigel teaches bullet journaling workshops at Whim So Doodle in St. Petersburg, Florida. She typically shares layout ideas to get people comfortable with tracking their lives both personally and professionally on paper. Now she’s finding people are interested in using the bullet journals for their personal finances.

Currently, she is using her journal to save $ 2,500 for a trip to Italy.

“Since I do it every night and try to make it part of my routine, it just reminds me of the path I am trying to save on,” Geigel said.

If switching to a bullet journal system is too much for you to take on all at once, consider starting with just one or two of Geigel’s tips:

Tip #1: Create A Monthly Budget Tracker

Detail of a monthly budget

Unless you check your bank account every day, it’s difficult to know exactly what’s coming in and out of your budget at any given time. So write it down.

Just like a checkbook, write down your scheduled bills on the left and record expenses on the right. Every time you spend money, deduct it from your balance — this will hold you accountable. There should be no surprises when you look at your bank account.

Tip #2: Design a Visual Savings Goal

Detail of a picture of a piggy bank

Determine an object that motivates you to save money. Is it a jar? A piggy bank?

Design a savings goal you can track visually. Each time you put money in your savings account, shade in a portion of the object. It’s quite satisfying to see it come to life.

Tip #3: Draw a Line Graph to Show Debt Payoff

Detail of a line graph

Nothing is better than seeing your debt disappear. Draw a line graph to chart your debt payoff. Create a line for your credit cards, mortgage or car loan — as you pay them down, mark your progress on the graph.

Seeing the line go down can give you an extra push to pay it off faster.

Tip #4: Try a No-Spend Challenge

Detail of a calendar

Try a no-spend challenge by creating a calendar. Check off the days you didn’t spend money. Even if you have a setback, by seeing your successes on paper, you’ll want to do it more often!

Tip #5: Use a Habit Tracker

Detail of a habit tracker

Whether you want to break a bad habit or develop a new routine, a tracker can help you get there. Let’s say you want to pay bills on time. Acknowledge when you do it by filling in a box. The more boxes you see, the more it encourages the habit.

One of the great benefits of using a habit tracker in your bullet journal is that you can start to see patterns you might have missed before (like those budget-breaking lattes that sneak in around mid-week).

Remember, there is no right or wrong way to use a bullet journal. Figure out what works best for you. Before you know it, your finances will start to turn around.

Christie Post is a former supervising producer and host at The Penny Hoarder. You can see the videos she produces on YouTube. Subscribe and give her a shoutout @christiepost.

Staff writer Tiffany Wendln Connors contributed to this post.

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

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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!

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

Simple & Fab: A Smart Casual Outfit

I stumbled across this outfit and thought it was easy, comfy, versatile, and fabulous. Combine a pair of dark wash jeans with a top in a shade of grey, taupe or white. Layer a trendy long blazer over the lot and add dressy metallic footwear. 

In this case the shoes are silver, but any metallic is good. I can see a silver, grey, white, or red bag and silver statement jewellery finish off the look.

Universal Standard Beas Jacket

Feel free to substitute the black jacket for a dark neutral like charcoal or dark blue. The topper needn’t be extra long, but sharp and tailored are important. Feel free to tuck or semi-tuck the top and add a belt if that’s more to your taste. I can see black jeans work quite well, but the dark blue is more crisp and interesting to my eye. Who likes this vibe?


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Got Active Kids? Here Are 9 Simple Ways to Stretch the Family Budget

You’ve weathered the baby-rearing years. Congratulations! Now you can sit back and enjoy having your kids in school.

Oh, but now there are hobbies: band, dance class and sports. Don’t forget field trips.

By the time you’ve paid for that clarinet and lessons, dance shoes and costumes, cleats and knee pads, your family budget is shot.

Raising kids is expensive. But there are things you can do to help the rest of the family budget survive as your little progeny showcases all of their talents.

1. Do Fun Stuff for Less

OK, the kids are in school, and that’s expensive. But that doesn’t mean you have to sit around on the weekends watching the grass grow. Get out there, and do some fun stuff!

Just don’t pay full price for it.

If you haven’t embraced deal sites like Groupon or LivingSocial yet, it’s time to take a look. You can find a lot of sweet deals on local activities, attractions and restaurants with very little effort. It’s a simple way to save money but still get out of the house.

2. Don’t Pay Just to Access Your Own Money

With all the sporting events and other travel you do with the kids, chances are you’ll need to stop and get a little cash every so often.

The average total cost of taking cash from an out-of-network ATM is $ 4.68, according to a recent Bankrate survey.

Want to avoid those fees? There’s an easier way than driving around town to get to an in-network ATM. You can simply keep your money in an account that doesn’t charge those fees — like the Aspiration account.

With Aspiration, you’ll face no ATM fees — domestic or international. ATMs in-network are free, and Aspiration will reimburse you the fees for out-of-network ATMs monthly.

Other perks? You’ll never pay a monthly maintenance fee, a minimum balance fee or an overdraft fee. Oh, and you’ll earn up to 2.00% APY interest on your account’s balance.

Yup. It’s that simple to start living a fee-free* life thanks to Aspiration. That’s a big win for a family on the go.

3. Missed a Good Deal? Get Paid Back

If you’re like most parents, you don’t have a lot of time to run to the mall. You probably do a lot of your shopping online. That’s cool. Now you don’t have to worry about the “what ifs” of sales that start tomorrow or next week. Get the tool that hunts for those deals for you.

One of our secret weapons is called Paribus — a tool that gets you money back for your online purchases. It’s free to sign up, and once you do, it will scan your email for any receipts. If it discovers you’ve purchased something from one of its monitored retailers, it will track the item’s price and help you get a refund when there’s a price drop.

Plus, if your guaranteed shipment shows up late, Paribus will help you get compensated.

Disclosure: Paribus compensates us when you sign up using the links we provide.

4. Make Sure You’re Not Overpaying for Car Insurance

 family on a road trip in car

All of the driving you do to get your kids to soccer or the science fair adds up. It also means you’re probably not getting that low-mileage discount from your car insurance company. Are you spending too much on your car insurance? When was the last time you checked?

Just like you compare the prices of flights, shoes and laptops before purchasing, why not compare car insurance?

The Zebra, an online car insurance search engine that offers “insurance in black and white,” compares your options from 204 providers in less than 60 seconds.

We talked to Artie Januario, who found new insurance through The Zebra and managed to knock off $ 30 a month — or $ 360 a year — from his premium.

With the money you save, you could get something nice for yourself. Ha! Just kidding… You will, however, have a little more available to budget for the kids’ next great adventure.

5. Feed the Fam for Less

The refrigerator never stays full for long when you have kids. Make those frequent trips to the grocery store a little less painful by earning cash back.

That’s right: Ibotta will pay you cash for taking pictures of your grocery store receipts.

Here’s how it works:  Before heading to the store, search for items on your shopping list within the Ibotta app. When you get home, snap a photo of your receipt and scan the items’ barcodes.

Bam. Cash back.

Ibotta is free to download. Plus, you’ll get a $ 10 sign-up bonus after uploading your first receipt.

Some cash-back opportunities we’ve seen include:

  • 25 cents back for any item.
  • 25 cents back on strawberries.
  • 50 cents back on frozen fruit snacks.

Notice those aren’t tied to a brand — just shop for the staples on your list and earn cash back!

6. Get Paid to Dress the Kids for Success

Mother and daughter picking out clothes in bedroom

When your kids are in school, they grow — and fast. That super-cute outfit you bought last fall? Useless now. You need new clothes for them. Again.

One of our favorite ways to save is with Ebates, a cash-back site that rewards you nearly every time you buy something online. For example, Ebates gives you up to 10% cash back on online purchases at Walmart.

Plus, you’ll get a free $ 10 gift card to Walmart for giving the site a try.

To earn your gift card:

  1. Sign up for Ebates with your email or Facebook account.
  2. Use the Ebates portal the next time you need to buy something. It’s connected to thousands of stores, including Walmart, Amazon and Target. You’ll need to make your first purchase through the site within 90 days and spend at least $ 25.
  3. Your account will be credited with rewards points you can cash in for your $ 10 Walmart gift card.

It’s easy savings for clothes you know you have to buy because they’ve already outgrown last month’s styles.

7. Sell off Stuff They Don’t Need Anymore

From toys to clothes to bedroom decor, your kids accumulate stuff fast, don’t they?

Don’t just hang on to that stuff and let it fill up your basement or garage. Sell it, so you have a little extra money (and room) to buy the new stuff.

You can sell virtually anything on Letgo. This intuitive app lets you snap a photo and upload your item in less than 30 seconds. It removes a lot of the hassle of selling things online, and it’s 100% free to use.

Come on, you know your kids are going to want new stuff, and your home can only hold so much!

8. Pay Less to Get There. And There. And There.

Mother getting children (6-10) to soccer practice

Having kids means you have to run to a lot of activities. From sporting events to band practice and any number of other things, you may feel like you live in your car.

And that car needs gas. No, not the stinky kind. If you have boys, you’re probably all set there. We mean gasoline, and that can get expensive. You need to save at the pump.

Get a discount card from GasBuddy to automatically save 10 cents per gallon on your first purchase (and 5 cents per gallon after that).

The free discount card is tied directly to your checking account. It works at 95% of gas stations throughout the country, so you don’t have to drive around town just to find “your” station. Plus, you don’t have to wait for a rebate — it’s immediate savings.

Simply and securely sign up through GasBuddy. Connect your bank account, enter your address, and GasBuddy will put a card in the mail.

9. Keep Saving Even Though You’re Busy

Saving money is tough. Saving money when you have kids in school can seem impossible. So what if you could do it in a way where you wouldn’t even notice?

Digit makes that possible.

This innovative app automates saving for you. Simply link it to your checking account, and its algorithms will determine small (and safe!) amounts of money to withdraw into a separate, FDIC-insured savings account.

Bonus: Penny Hoarders will get an extra $ 5 just for signing up! Additionally, savers will receive a 1.00% bonus every three months.

Using this set-it-and-forget-it strategy, Penny Hoarder Matt Wiley told us he saved $ 4,300 without noticing.

If you need that money sooner than expected, you’ll always have access to it within one business day.

Digit is free to use for the first 30 days, then it’s $ 2.99 per month afterward. That’s a small price to pay to keep your family saving during the crazy days of school.

Take Your Mind off Money and Focus on Fun

Father And Daughter Playing Basketball On Driveway At Home

Hey, your kids are only this age once. Enjoy it!

Having school-aged kids can be financially taxing, but you can relieve some of that stress by following these tips and taking some of the pressure off. You don’t want to spend all of your time dwelling on the family budget. You want to teach your baby girl to hit her free throws and your little guy how to play that guitar.

Remember, it might be hard, but it’s OK to say no to your kids on occasion, too. They don’t have to be in every extracurricular activity out there. Learning how to limit their activities and wants can save you a lot of money and a little bit of stress, as well.

Oh, and don’t forget to get a Groupon or Livingsocial deal for a nice, relaxing date night for yourself. You deserve it.

*Aspiration Partners, Inc. and its affiliates are committed to “All Extra Services Provided at Cost,” meaning that it’ll only charge you what it costs them to provide the extra service (such as a wire transfer), and not a penny more. Besides these at-cost service charges, the only account fee you pay is the fee you choose, even if it’s $ 0, which is why it’s called Pay What Is Fair.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. He is bracing for the day that his twin babies start school and all of the fun that goes with it. Catch him on Twitter at @Tyomoth.

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

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9 Smart (and Simple) Ways to Stretch Your Budget When You’re a Single Parent

As far as I’m concerned, all you single parents are heroes without capes.

Well, you’ll swoosh on a cape when your kids want to play dress-up. But that’s beside the point. Single parents have to juggle work, kids and life. That’s no easy feat — especially on the wallet.

That’s why we put together these simple tips to help you better manage your money.

1. Involve Kids in Financial Decisions

Your kid sees their classmates taking piano, tennis, dance and karate lessons. But you might not be able to afford all of that.

Instead of feeling guilty — or worse, caving and overspending — have an open conversation with your child.

“Classically, parents will go behind a closed door to talk about saving, budgeting and investing,” says Maggie Johndrow, a financial adviser at Johndrow Wealth Management. “But psychologists have found that will make your children think finances are scary, taboo and something that’s not to be talked about in the open.”

Instead, Johndrow encourages parents lay it all out there. Let your child know your budget for after-school activities, then work together to pick and choose what you can afford.

“Empower them and teach them by giving them that choice,” she says.

2. Analyze Your Needs vs. Wants

Mother and daughter on computer

An integral part of managing your money is budgeting. Ew, gross. We know. But it’s important to take a good look at what you’re spending and understand where you can cut back.

You don’t have to rely on complicated Excel-spreadsheet formulas or spend hours categorizing your expenses to stick to a budget. Instead, use an app.

An easy way to automate this process is to use Trim, a little bot that’ll keep track of all your transactions.

Connect your checking account, credit card and savings account for a big-picture look at your spending habits. Then, take a closer look by checking out each of your transactions. Set alerts that’ll let you know when bills are due, when you’ve hit a spending cap or when you’ve (hopefully not) overdrafted.

Best part? It’s free to sign up.

3. Pay Yourself First

Hey, you! Yeah, you! You’re important. Don’t forget to prioritize your needs — like your savings. Whether you’re starting an emergency fund, saving for a down payment on a home or planning a weekend getaway for you and the kids, why not make the process easy?

One of our favorite strategies? Set up automatic withdrawals from your paycheck, so you’ll squirrel money away without thinking about it.

One of our favorite accounts for this is Aspiration — you’ll pay no monthly fees, and you’ll earn up to 2.00% APY on your savings.

You’ll get access to an online-only account for spending and for saving. It comes with a debit card that earns 0.5% cash back on all your purchases, plus free ATMs, so you can easily access your money when you need it.

After you open your Aspiration account, use it to split your income:

  • Automatically deposit a portion of your income into your spending account, and use that to cover basic expenses.
  • Deposit what’s left into your Aspiration savings to keep it out of sight and let it grow. You’ll earn 2.00% APY as long you deposit just $ 1 a month.

Even if you’re slipping $ 10 into your emergency fund each month, that’s OK. Do what you can to take advantage of the compound interest.

4. Take Care of Your Debt

Mom multitasking

“I often find that people are struggling because of debt, so if you can come up with a debt repayment strategy and eliminate your debt, the other things all of a sudden become a lot easier,” Johndrow says.

Her top recommendation? Refinance. Refinancing can lower your interest rates and, therefore, lower your monthly payments.

You can basically refinance any type of debt, but here are a couple of examples:

  • Refinance your credit card debt: Credit card interest is no joke. Refinancing your debt with a personal loan could help you save a ton. If your credit score is at least 620, a good resource is Fiona, a search engine that can help match you with the right personal loan to meet your needs. You can borrow up to $ 100,000 (no collateral needed) with fixed rates starting at 4.99% and terms from 24 to 84 months.
  • Refinance your auto loan: It’s normally a pain to re-title your vehicle at your local DMV office, but a company called MotoRefi will do all the heavy lifting for you — and could cut your monthly car payment by $ 100 or more.

In addition to refinancing for better interest rates, Johndrow suggests extending the term of your loan if your budget is tight. “This might mean paying more in interest over time, but it might free up some monthly cash flow, which can help with your budgeting,” she says.

It gives you some breathing room.

5. Find Sneaky Ways to Save on Your Necessities

Finding ways to save on your needs feels harder than finding ways to save on your wants — but it’s possible.

Here are a few examples that’ll get you going in the right direction:

  • Save on groceries with a cash-back app. There’s no way around groceries, but you can earn some money back with Ibotta. The app is free to download, and you’ll get a $ 10 sign-up bonus after uploading your first receipt.
  • Save money by negotiating your bills. Don’t have time to call? Download Truebill, an app that’ll negotiate your bills, cancel unwanted subscriptions and refund your bank fees. On average, Truebill says it helps customers save more than $ 700 a year.
  • Save money on your car insurance. One way you could save money is by shopping around and comparing rates. Use an online car insurance search engine like The Zebra, which offers “insurance in black and white” and compares your options from 204 providers in less than 60 seconds

6. Manage Life’s Risks

Father dancing with daughter

You never know what’s going to happen tomorrow, so it’s important to be realistic.

“God forbid something happens to you, and you’re all your kid has,” Johndrow says. “Life insurance leaves them with enough to still hopefully attend college and achieve their goals.”

If you’re under the age of 54 and want to get a fast life insurance quote without the medical exam, pushy sales calls or even getting up from the couch, check out Bestow. The company is built around one concept: helping you get the term life insurance policy you want, simply and fast.

It just takes five minutes to answer some basic lifestyle questions, and you can get quotes for up to $ 1 million in coverage without a medical exam. If you’re approved, you can personalize your coverage to fit your budget. You can change or cancel your plan at any time.

Johndrow also urges parents to look into disability insurance, in case you can’t work and need to supplement your income; and long-term care insurance, in case you need health care not covered by your health insurance.

7. Find Creative Ways to Diversify Your Income

We know you don’t have a lot of extra time, but if you’re looking for a way to make some extra money to cushion your budget, try something creative.

For example, have you ever thought about renting out your baby gear? Yeah, the stuff you have sitting around the house that your kids don’t need anymore.

Online marketplaces like BabyQuip allow parents to rent out strollers, car seats, cribs and other baby items to traveling parents. (Because checking a crib on a flight is near impossible.)

Stay-at-home mom Manuela Madrid rents her baby gear out. She works, on average, 12 hours a month and earns between $ 120 to $ 180 with each rental.

8. Don’t Sleep on Your Retirement Savings

Dad telling bed time stories

Although retirement might seem like a faraway fantasy, it’s going to pop up sooner than you think.

If you haven’t yet started, open a company-matched 401(k) or your own traditional or Roth IRA. Even if you only put $ 5 in each week, that’s something — and you’re still taking advantage of that compound interest.

Having trouble prioritizing your savings? Johndrow urges you to think of it like this: “You can take out a loan for almost anything in life, but you cannot take out a loan for your retirement.”

So if you can’t put away money for your kids’ college fund? They’ll be OK. They can take out student loans like everyone else. But you can’t take out a loan to cover your living expenses once you retire.

“You want the best for your children, and the last thing you want to do is ask them to care for you when they’re trying to care for themselves and the next generation,” Johndrow says.

9. Make a Date With Your Money

At the end of each month, put the kids to bed, and pour yourself a glass of wine. If you prefer: Once they’re out the door to school, pour yourself a cup of coffee, and cozy in.

Then, take some time to look at your monthly income and spending and see how you’re doing. See how the last month went — which areas you excelled in and where you might’ve gone over budget. Then, take a look at the month ahead and note any additional upcoming expenses.

Even taking 15 minutes to check in with yourself can help you stay on budget.

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder.

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

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16 Simple Ways to Stop Wasting Food in Your Kitchen (and Save Money)

Have you ever really thought about the afterlife of your leftovers?

A once-edible meal lies defeated and unpurposed as it falls into the trash, never to be thought of again.

Those forgotten food remnants add up to some pretty alarming numbers.

In the U.S, an estimated 30% to 40% of food is thrown away.

Who’s thinking about a hunger crisis when there’s a bountiful food supply at the edge of your fingertips? Tossing a few scraps seems harmless, right?

How Bad Is the Food Waste Problem?

Food waste happens in such little bits here and there that people don’t even realize they’re doing it, according to Dana Gunders, a former senior scientist at the National Resource Defense Council and author of “Waste-Free Kitchen Handbook: A Guide to Eating Well and Saving Money By Wasting Less Food.”

Consumers waste more food, collectively, than restaurants or grocery stores,” Gunders said. “And the average household of four spends about $ 1,800 on food they never eat.”

A whopping one-third of ALL food grown for human consumption on Earth is lost or wasted.

“Growing food and getting it to our tables is a huge investment in resources,” Gunders said. “When you throw out one hamburger, it’s like taking a 90-minute shower in terms of the water it took to produce that hamburger.”

Really scary questions loom about feeding future generations, landfills and how common — and easy — it is to squander precious resources.

Can you imagine how much money and food everyone would save if they bought only the food they’d actually eat?

Gunders said that once people open their eyes to the problem, they naturally waste a little less.

“I find it interesting that people can be swayed by 5 or 10 cents when in the grocery store, but that math goes out the window when it comes to wasting food once they’re home,” she said.

There’s a lot we can’t control, but there’s a great deal we can control about our kitchens, plates and trash cans.

16 Tips for Reducing Food Waste

Before you take up dumpster diving to rescue forgotten-about food, consider some of these tips for how to reduce food waste at home.

1. Make a Grocery List and Stick to It

Overbuying leads to food waste. Planning your meals for the week, making a list and sticking to it can prevent impulse buys and limit the vegetable carcasses not even good intentions could revive.

Gunders suggests thinking double duty. If you need fresh cilantro for a meal, can you plan a second meal that will use it, too? This not only saves your budget, but it eliminates casual food waste.

2. Buy Frozen Instead of Fresh

A man shops in the frozen food section of a grocery store

The bright, beautiful colors of fresh fruits and veggies tempt me every week. Then I remember how quickly fresh produce can spoil.

Now, I’ve turned to stocking my freezer with produce. I call this the Too Many Avocados Left Behind Act. I don’t freeze my avocados, but I do buy most fruits and veggies frozen now. I can thaw them in a flash and count on having a random assortment of ingredients on a whim.

3. Plan for Surprises

It’s so easy to get tempted by the events of the week, from an unscheduled lunch to a surprise happy hour. Leftovers get abandoned as you nosh on an unplanned (and unbudgeted) meal out.

You can plan your meals for the week and allot some wiggle room for spontaneous outings.  By having a backup recipe or frozen meal you will always have on hand, you can accept a last-minute invitation and not fritter away a thing.

4. Rethink Expiration Dates

Yogurt containers with expiration dates

Sell-by, use-by and expiration dates all mean different things. Most often, the dates serve as a freshness, quality or display indicator, not a marker for when the food will actually go bad. Many people throw out perfectly good food because of date stamps. Use common sense, and research what the date on your packaged or canned food really means before you toss it.

5. Make Your Freezer Great Again

Good intentions can’t reverse rotten tomatoes or spoiled meat. That steak you meant to eat on Sunday looks questionable by Tuesday.

You can extend the life of your meats, bread and vegetables by freezing them.

Gunders said almost anything can be frozen: Milk, shredded cheese, sliced bread and even raw eggs (out of the shell) can go in the freezer.

It’ll all be there when you’re ready, thus, it will save you future cooking time, money and food waste. Don’t you feel better?

6. Store Items Where You Can See Them

Some produce slips into the crisper abyss. Out of sight, out of mind. Keep items where you can see them. You’re more likely to use items that you can physically see.

Additionally, learn how to store each type of vegetable. Some ripen faster and can speed up others nearby. Consider investing in special airtight containers that keep produce firm and fresh longer.

Washing the pieces of fruit or vegetables you plan on using will also keep the whole bag from going bad before you get a chance to enjoy their deliciousness.

7. Clean Your Fridge and Organize Your Pantry

Food in a refrigerator

Expired items hide, and mold lurks on the edges you can’t quite see. Having a tidy fridge helps you see exactly what you have and inspires you to use it.

Same goes for the pantry: Keeping it tidy allows you to see what you have at a glance and prevents items from getting lost behind the castles of steel cans.

8. Try Composting

Skip the landfill, and start composting. Everything from your coffee grounds to celery ends can find their way into your bin. In turn, you can eventually use it toward your next home gardening adventure.

9. Learn to Preserve or Can Foods

Pickle? Preserve? Can? They’re all options gaining popularity. But these practices have been around for centuries and have helped folks survive harsh winters and economic downturns.

With a little upfront investment of time and money, you can acquire the tools necessary to preserve your excess foods. This can prolong their shelf life and reduce food waste and costs.

10. Donate Extra Food

If you know your family won’t eat something, donate it. Many local pantries and food banks welcome donations, however, consider friends or families in your community who might appreciate a little extra food. There are restrictions and rules at some charities about what can be donated, so check before making any contributions.

11. Eat What You Have

Plan recipes around what’s been sitting around for a while or what needs to get used before it expires. Keeping your fridge and pantry clean and organized helps you see exactly what you have and what you should cook before adding more supplies to the mix.

12. Mix It Up

Leftovers you’re tired of eating can be repurposed into new recipes. Some fruits and vegetables that are a little too ripe can be baked or mashed into a casserole. Ripe bananas make great banana bread, and soft strawberries can be added to smoothies.

Other scraps can be made into stocks or added to a compost. I’ve put coffee grounds in my soil, and a friend of mine makes corn silk tea. There’s a practical use for almost any piece of food you might throw away.

13. Host a Potluck

I’m a picky eater, yet I love to cook. Sometimes I acquire ingredients for recipes that I don’t end up using again, or I try something and end up not liking it. So, I’ve hosted potlucks to use said ingredients. Invite friends over, and have leftover lunches for days. You’ll help everyone else also clean their cabinets. Win-win.

14. Get an App

A woman boils water on her stove while checking her cell phone

There are a few apps on the market that try to put a dent in the global food waste problem. Here are a few to consider:

  • The USDA FoodKeeper app aids in best practices of food and beverage storage to maximize quality and freshness.
  • Too Good to Go makes surplus restaurant food available for pickup before it gets thrown out.
  • Waste No Food helps food-based establishments, from farms to restaurants, to donate excess food to charities and and shelters.

15. Channel Bob Ross

Ever wish you could make art with your food outside of Instagram posts? Let the bright colors of your leftovers become the colors of your clothes or the paint on your canvas.

Yup, your peels and ends from scraps of everything from beets, spinach and lemons can be made into permanent fabric dye that could double as watercolor paint.

16. Life’s a Garden… Dig It!

Even the brownest thumbs can turn green. Try regrowing your food scraps, and see what happens. Put seeds in the backyard, or try sprouting them over a cup of water.

The Lesson: Waste Not, Want Not

It’s simple math: Buying less food means more money in your pocket.

It’s not going to happen overnight.

But with a few small adjustments and active intentions of how to better store, buy and cook food, you can start a ripple effect that will save time, money and food in the long run.

Who knows — maybe others will catch on. Look at Denmark. It reduced its food waste by 25% over a five-year period, and it didn’t happen without a real effort and cultural shift to address the problem.

Learn what works for you. Maybe you’ll grow a new habit if you just plant the seed.

Stephanie Bolling is a staff writer at The Penny Hoarder. Her cat never wastes any food.

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

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

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Outfit Formula: Simple Solid Bright Pants

Wearing bright pants is an acquired taste. Some find the look loud, juvenile, unprofessional and widening, and prefer neutral bottoms. Others simply prefer to wear their non-neutrals up top. Personally, I enjoy wearing bright pants because it’s an easy way to make an interesting and bold statement. Add a simple top and pair of shoes, and you’re there. The pants do all the talking. I miss my red, orange and citron pants, and desperately want to replace them this year.

I think these outfits are gorgeous, although I’d swap out some of the footwear choices and we need warmer weather before we can put them into action. Hopefully they’ll provide some inspiration.

1. Fuchsia Elegance

Combine a black lace or solid blouse with pair of dressy fuchsia pants like these crepe flares. Tucking the top makes the leg line look longer, as does wearing almost floor sweeping hems. The low-contrast silver pumps further lengthen the leg line and add some shine. Proportionately, the model looks short in the waist which is accentuated by the strong horizontal line created by the high-contrast top and bottom. The V-neckline of the shirt collar offsets that by drawing the eye back up and down. The model looks beautifully elegant.

Mareé Wide Leg Fuchsia Pant

2. Trendy Classic

Combine a pair of red pants with white boots and top, and Bob’s your uncle. Throw in just about any colour bag or topper because red & white are a classic and versatile combination. I’d add a turquoise bag and coat to this combination, and swap out the shirt for a white pullover. You could sub the white for black, toffee, tan or navy, if that’s more your thing.

MM6 Maison Margiela High-rise Straight Leg Trousers

3. Suited and Stilettoed

Combine green pants with a navy top, and finish off the look with nude-for-you, white, blush, metallic or navy footwear. Sub the navy with black if that’s more to your taste. And if suits are your thing, add the matching topper. Wearing stiletto heels with a suit is a classic pairing, although the heels needn’t be high.

Boden Hampshire Ponte Culottes

4. Tonal Romance

Cobalt works well with teal and turquoise because it clashes in a deliciously tonal way. Here, both the pants and blouse are soft, creating a sensual vibe. The blouse is tucked for structure, but you could wear it untucked. Nude-for-you, white, metallic, or footwear that bookends your hair is a good way to go. I’d have styled the model with closed footwear like a tan mule, ballet flat or pump.

11 Honoré Satin Icon Track Pant


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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

CHARITY UPDATE :

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Here’s a Simple Trick to Snag 1% Cash Back on Anything (Without a Credit Card)

Remember that sweet surround sound system you bought a year ago? “Game of Thrones” never sounded so cool!

You even used your special credit card so you could earn some cash back on that baby. Well, that was the idea, anyway. Six months later, when you still had a balance on that card, you realized you paid a lot more in interest than what you earned in cash back.

The score? Credit card company: 1. You: 0

Believe it or not, you don’t have to use a credit card to enjoy the benefits of cash back. You can earn 1% cash back just for making your everyday debit card purchases — if you have an Empower banking account

You Can Get Cash Back — Without the Risk

You love cash back. Who doesn’t?

The problem is, your credit card offers you a small percentage of cash back, but it charges you an astronomical interest rate.

Why not just get cash back without the risk of paying crazy interest rates?

Here’s the trick: Don’t get a cash-back credit card — get a cash-back debit card with Empower.

When you open an Empower checking account, you can start earning cash 1% back on your everyday purchases with your debit card up to the first $ 1,000 spent each month. Refer your friends to this awesomeness, and you could boost that number up to 2%.

Your morning coffee stop? Cash back.

Lunch? Yep, cash back.

That weekly trip to stock up on groceries? You guessed it. Cash back.

Stop risking your money with credit cards just to get cash back. With Empower, you can get the rewards you love without risking big interest charges. Plus, there are no ATM fees, annual fees or overdraft fees.

Handle all of your finances right from your phone with Empower. Pay nothing and earn cash back just for using your debit card.

The score? Credit card company: 0. You: 1%.

Winner winner.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. Catch him on Twitter at @Tyomoth.

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

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

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First Look: Military Master, Bedroom Camp | Home Made Simple | Oprah Winfrey Network

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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

CHARITY UPDATE :

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

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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

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!

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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

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!

50/50 Project: Antique Distressed Mirror | Home Made Simple | Oprah Winfrey Network

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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

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!

Designer Space: Simple Drama

CANADIAN HOME TRENDS CAN YOU TALK ABOUT THE KITCHEN’S DESIGN?

ANNIE KANG We wanted to create a multi-purpose space with an island designed to be used as a food prep area, dining table, work table, breakfast nook, bar and entertaining area with a great backyard view. We also included an open shelf cabinet unit to house cookbooks and decorative elements! The use of two simple, contrasting colors, in a polished high-gloss finish, results in a space that is both dramatic and exquisite. Using the same black for the surround moulding brings the kitchen together.

CHT HOW DO YOU DESIGN AN ON-TREND YET TIMELESS KITCHEN?

AK Slab doors are a timeless trend we have seen at Lucvaa since the company started in 2007. With all the advancements in technology, there are thousands of melamine products to choose from. The price range is wide so it can work with nearly any budget. You can choose from a range of colors, sheens and textures. Your choice of flat, high gloss to concrete, wood or metal textures will customize the look to suit your personal style.

CHT WHERE DID YOU SAVE AND WHERE DID YOU SPLURGE?

AK We saved on decorative hardware by choosing a Slab MDF Door with touch-to-open functionality. This gives the space a clean, modern look. We spent more of the budget for the cabinets’ aesthetic finishes and accessories to optimize the organization of the cabinetry. We used drawer organizers, pull-out pantry units, and pull-out spice racks. The homeowner chose to splurge on the countertops and the finishing touches for the space.

CHT CAN YOU TELL US A LITTLE BIT ABOUT THE HOMEOWNERS?

AK The homeowner is a big pet lover so we included a pull-out feeding station for her pets. When she is entertaining, the feeding station disappears into the island.

Design by Annie Kang for Lucvaa; Cabinetry, Lucvaa, www.lucvaa.com; Hardware, BLUM, www.blum.com

The post Designer Space: Simple Drama appeared first on Home Trends Magazine.

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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

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!

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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

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!

Here’s a Simple Way to Earn $20 Today… Just for Buying LaCroix

Me: “Whoa, I can get cash back for buying LaCroix?”

My brain:

“Don’t do it.”

“Don’t do it.”

“Don’t do it.”

Me: *Loads 10 LaCroix cases into the cart.*

How to Get up to $ 20 Cash Back on Your Next LaCroix Run

Relatable? Same.

When I land on the LaCroix section in Target, I lose self control. I want all the cases.

Before your next LaCroix haul, download Ibotta, a free cash-back app.

Why? For an undisclosed amount of time, Ibotta has TWO cash-back LaCroix offers:

  1. Earn $ 1 cash back on eight- and 12-packs of traditional LaCroix flavors.
  2. Earn $ 1 cash back on eight- and 12-packs of the LaCroix Cúrate flavors, which include cherry-lime, blackberry-cucumber and cantaloupe-pink grapefruit.

This LaCroix deal is good for your purchases at Target, Walmart, Publix, Safeway, CVS, Whole Foods, The Fresh Market and more.

You can redeem each of these two offers up to five times per receipt, meaning you could pull in a quick $ 10 in cash back on something you’d already be purchasing — all you have to do is snap a photo of your receipt.

Plus, if you’re a new Ibotta user, you’ll get a $ 10 bonus after your first cash-back claim.

That means at the end of today, you could have $ 20 transferred over to your bank account. Just 👏 for 👏 buying 👏  LaCroix.

When our deputy editor, Caitlin Constantine, spotted the Ibotta deal, she headed straight to Publix and grabbed four cases — a mix of key lime, grapefruit and passionfruit. She says it won’t take more than two weeks to finish off her stash.

“Not only would I do this again, I am going to do it again,” she says.

Finally, your lack of self control can pay off. Literally.

Carson Kohler (carson@thepennyhoarder.com) is a big fan of the cantaloupe-pink grapefruit favor. Yeah, it sounds weird, but it’s actually the best.

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

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

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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

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!

Ready to Buy a Home? 6 Simple Steps to Save for the Down Payment

So you’re ready to stop renting, and we don’t blame you.

The price of rent has been steadily increasing since 2014, according to a recent Penny Hoarder analysis of Zillow data. As of October 2018, the median Zillow listing nationally for a two-bedroom rental is $ 1,646 a month.

Your other option is to buy a home, and that isn’t cheap, either. It’s a big commitment — but at least you’re gaining an asset and not funneling your whole paycheck over to a landlord.

If you’re thinking about buying a home, you’ll want to start saving for that down payment sooner than later.

Yes, it’s a big savings goal, but this guide will help you get on the right track.

Real Fast: What’s a Down Payment?

A down payment is the amount of money you pay upfront for your home — the money you’re putting down. Say you want to put 10% down on a $ 200,000 home; your down payment will be about $ 20,000.

This down payment goes directly toward you owning your home outright. What’s remaining will be covered by a mortgage loan. Like other forms of debt, you’re responsible for making monthly payments on that loan, which often include interest.

The more you’re able to put toward a down payment on a home, the lower your monthly mortgage rates — and the less you’ll pay in interest over time.

Pro tip: While you’re saving for a down payment, work to improve or maintain your credit score. The higher your credit score, the better chance you have to secure a mortgage with a low interest rate. If you’re not sure where to start, Credit Sesame is a free platform that allows you to see your credit score, credit report card and personalized advice.

How to Save for a Down Payment: Your Step-by-Step Guide

A down payment is different from any expense you’ve saved for before, including a car or a vacation.

“A down payment represents a ‘purchase’ that has longer-term consequences,” says Marc W. Lieberman, CFA charterholder and CEO of Shorepine Wealth Management.

“When you save for a vacation or a new TV, you are making a one-time purchase that likely does not have additional spending needs. A home is a purchase that requires constant maintenance and the financial wherewithal to maintain ownership.”

So how do you even start saving for such a big financial goal? Follow these six simple steps to start saving for what’ll likely be the largest purchase of your life.

No big deal or anything.

1. Determine How Much You Need to Save for a Down Payment

Woman doing finances
lamstocker/Getty Images

Before starting your savings journey, you’ll need to map out your goal. Here are some numbers to consider:

  • Generally speaking, what’s your budget for a new home? In your desired city and neighborhood, take a look at properties you’d be interested in and that meet your needs. To determine the maximum mortgage payment you can afford each month, personal finance guru Dave Ramsey suggests multiplying your monthly take-home pay by 25% (0.25).
  • How much money do you want to put down? Now that you have an idea of how much you want (or need) to spend on a home, consider how much you want to put down. Putting down 3% is considered low — but doable.

On the other hand, if you’re able to put down at least 20%, you’ll avoid making monthly payments for private mortgage insurance (PMI), which is generally 0.3% to 1.2% of your loan amount, according to Investopedia.

Don’t feel like you have to stretch yourself to pay 20% down, though. Say you take out a 10% down payment. Once you’ve made enough mortgage payments to hit 20% equity, you can cancel your PMI.

  • When do you want to make the big purchase? Set your timeline.

Remember: Buying a home doesn’t simply require a down payment. You’ll also need to consider closing costs, real estate agent commission, property taxes and homeowners insurance — just to name a few. You can find more details about closing costs in our first-time homebuyer’s guide.

Lieberman also suggests tacking on a 10% to 20% “slush fund” to your savings goal for any additional expenses. This can help cover any unforeseen maintenance required when first moving in. Even if you don’t need it (fingers crossed you won’t), it’s nice to have that just-in-case cushion.

Now, do some math. Calculate how much you’ll need to save each month — or week, if you prefer working on a smaller scale.

Using a mortgage calculator like this one from Zillow can be super helpful when playing around with these numbers.

2. Open a Separate Savings Account

A family at the bank
Tina Russell/The Penny Hoarder

Once you know how much you need to put away, start considering where you want to keep this savings. Keeping such a large chunk of money in your primary checking account is risky — just because it feels like that money’s at your fingertips, ready to spend.

Instead, open a separate, hands-off account. Lieberman suggests a high-yield-interest savings account.

Try an iOS app called Varo Money. Pair your Bank Account with a Varo Savings Account where you’ll earn 1.75% annual percentage yield. For context, one of my banks offers a savings account with an APY closer to 0.03%.

Additionally, you’ll pay no monthly service fees, no minimum balance fees, no foreign transaction fees and no cash replacement fees.

Lieberman also suggests looking into a laddered certificate of deposit (CD) portfolio.

Whatever you choose, remember this: You want your money to earn some interest, but you don’t want the risk (like you’d face with investing). You’ll also want to keep the money in an easily accessible account.

“The last thing you need is to miss out on a home because the cash wasn’t available for the down payment,” Lieberman says.

3. Adjust Your Budget

A father and son eating fast food
Kosamtu/Getty Images

Now that you know how much you need to save and where you’re going to stash that savings, it’s time to adjust your budget.

Take that monthly savings goal and build it into your budget as an expense. To make some room, you’ll likely have to cut down in other areas.

To get an idea of how you can tighten your budget, try using the free app Empower.

Link the app to your bank accounts, and Empower will track your spending. It will also categorize your spending so you can see exactly where you’re overdoing it.

Set a monthly spending limit and the app will show you a graph that can tell you in one snapshot just how you’re doing for the month. Are you over the line or under it? It’s that simple to see how you’re doing so you can adjust your spending accordingly.

It’ll take some finagling at first, but be patient — and realistic. Remember you’re saving for what’ll likely be the biggest purchase of your life, so it isn’t going to be totally effortless. 

4. Automate Your Savings

Woman looking at credit cards
Carmen Mandato/The Penny Hoarder

Now that you know you can afford to save these monthly sums, it’s time to automate your savings. This helps hold you accountable and makes the process easier and more hands-off.

“Automated savings is a wonderful way to trick your mind into living off of less,” Lieberman says. “It is amazing how much less one can live off of without even noticing the difference.”

If you’re using a savings account, set your paycheck to automatically deposit a certain amount (see Step 1) into that account.

The easiest way to do this is to adjust your payroll settings or see whether your bank will automatically do it for you — most do.

With Chime, for example, you can opt in to save a portion of each paycheck when you set up direct deposit. You can also turn on its round-up feature, which rounds up all your Chime debit card transactions to the nearest dollar. It’ll dump the digital spare change into your savings — a nice bonus.

You can also tap into an app. Digit is a great way to save toward a specific goal. Set your timeline and savings goal, and Digit’s algorithms will determine how much money you can afford to save, which will be stored in an FDIC-insured savings account.

Digit is free to use for the first 30 days, then it’s $ 2.99 per month afterward. If you’re saving for a big purchase, like your first home, that monthly fee could be worth it.

In all, automation is a great, hands-off way to keep building your savings — without obsessing over every penny.

5. Get Creative, and Cut Your Monthly Bills

Light bulbs hanging from ceiling
ArisSu/Getty Images

Outside of rent, your largest expenses are probably those monthly bills: electric, water, cable/internet, car insurance, student loan payments — you name it.

There are a number of ways to save on your monthly bills, but here’s a simple one to get you started: Download TrueBill, an app that’ll negotiate your bills, cancel unwanted subscriptions and refund your bank fees.

After downloading the app, create an account, and link your bank account and/or credit cards. Turn on the bill negotiation and outage protection features. Boom. TrueBill is already searching for potential refunds — it might get you a refund even when you didn’t know an outage occurred.

On average, Truebill says it helps customers save more than $ 700 a year by lowering their bills, canceling necessary subscriptions and getting refunds.

6. Increase Your Income

Dog walker
hedgehog94/Getty Images

If you’re still struggling to meet your monthly savings goal, you might need to boost your income.

Luckily, there are a ton of platforms that’ll help you start up a side gig, including one of our favorites: Rover. (Because dogs, duh.)

On Rover you can choose to offer a variety of services, including dog walking, overnight boarding at your home or theirs, and daycare. Rover says sitters can earn as much as $ 1,000 a month — just for snugglin’ pups!

Other flexible side gig options include driving with Uber or listing your space on Airbnb.

You should also plan to bank any windfalls — big or small. If you get a raise at work, automatically dispense the difference into your savings. If you earn a holiday bonus, bank that, too.

You can work to sell off some items you don’t need, too. After all, you’ll be moving soon.

If you have an old smartphone, tablet or laptop collecting dust, snag a a buy-back price estimate from an online trade-in platform like Gazelle. For anything else, consider Letgo. You can list just about anything on there — from cars to clothes.

Moral of the story? Slide any extra money you make into that separate hands-of savings account to go toward your savings goal.

Another Option: Seek Down Payment Assistance

If you’ve followed these steps and are still struggling to save for a down payment — or don’t have enough time — look into down payment assistance programs in your city or state.

John R. Thomas, a certified mortgage planner and the Delaware branch manager of Primary Residential Mortgage, outlined a few nationwide assistance programs:

  • Federal Housing Administration (FHA) loans are government-backed mortgages for those who can’t afford to put a lot of money down. They’re a popular option for first-time homebuyers. In 2018, borrowers with a credit score of at least 580 could put down 3.5%, according to the FHA website.
  • If you’re a veteran, current servicemember or surviving spouse, you might qualify for a VA home loan, which offers competitive interest rates without a down payment or private mortgage insurance.
  • The U.S. Department of Agriculture (USDA) also offers a no-down payment option if you purchase a qualified home and borrow from a qualified lender. Although it caters to those purchasing a home in a rural area, the definition of rural is pretty broad. Be sure to read into the requirements.

Thomas assures prospective homebuyers that these programs are simple to look into in any state.

In the end, know that buying a home isn’t totally out of reach. Just be patient with yourself, and you’ll be able to put the money away.

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder. She’d love to buy her first home sweet home… one of these days.

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

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.


The Penny Hoarder

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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

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!

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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

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!

Football Concussion Rates Plummet After One Simple Rule Change, Study Shows

Concussions plunged in Ivy League football after the kickoff line was moved to thwart what might be the game’s most dangerous play, according to a study published Monday.

The aim of the 5-yard move was to have more kickoffs land in the end zone and reduce returns. That play is one of the only times “where players on both teams have the space to get up to full speed” rushing at each other and potentially risking a head-on tackle, said University of Pennsylvania researcher Douglas Wiebe, the lead author.

The 2016 change came at the recommendation of league coaches after data from the previous year showed kickoffs accounted for 6 percent of all plays but 21 percent of concussions. With NCAA approval, they moved the kickoff line from the 35-yard line to the 40. The touchback line was also moved, from the 25-yard line to the 20.

The NCAA approved the changes on an experimental basis for the eight private universities in the Ivy League. Other NCAA teams have kickoffs at the 35.

The researchers compared the two seasons since the change with the previous three years. They found the average concussion rate per 1,000 kickoffs plummeted from almost 11 to just 2.

Touchbacks increased to nearly 50 percent from almost 18 percent during the previous three years.

Concussion rates for other types of play were lower than those for kickoffs throughout the study years and only declined slightly after the rule change.

The research appears in the Journal of the American Medical Association. It was paid for by the Ivy League and Big Ten.

“It’s very promising that we’re able to see an effect like that,” said Zachary Kerr, a researcher in the University of North Carolina’s exercise and sport science department. Kerr, who was not involved in the study, said the NCAA should take the results seriously as it considers policy changes to reduce injuries.

While the Ivy League has been especially aggressive about modifying its playing and practice rules, all levels of football — from Pee Wee to professional — have taken steps to decrease the frequency of kickoff returns. The risks of the play, which creates high speed crashes, are common knowledge.

Dartmouth College Coach Buddy Teevens eliminated players tackling each other at most of his team’s practices — even before the Ivy League passed a league-wide rule about it. He also invented a robotic dummy that is used in tackling drills.

Teevens said the decision to push up the kickoff line was made collaboratively among the Ivy League’s coaches.

“Our thing for our game at our level has been productive,” he said. “I’m happy to see the results and share them with the country and certainly the NCAA and maybe other people follow suit.”

The NCAA implemented a new rule this season at all levels of college football that allows players to call for a fair catch on kickoffs that come down short of the end zone but inside the 25-yard line. A fair catch means the kick cannot be advanced and a ball carrier is not tackled. The result of the play is the equivalent of a touchback, where the ball is placed at the 25. The Ivy League uses the fair catch rule, along with kicking off from the 40.

Boston University concussion expert Dr. Robert Cantu, who was not involved in the research, considers the return “the most dangerous play in football.” He noted that after data showed NFL concussions overall increased slightly last season, the league’s rules committee considered eliminating the kickoff return, but decided not to.

“The Ivy League is really leading the charge into bringing about rule changes to make football safer,” Cantu said.

In 2011, the NFL moved the kickoff line to the 35-yard line from the 30, but a published analysis concluded that overall kickoff play injuries dropped but not head injuries.

While the Ivy League’s rule was an experiment, the study results likely will solidify it as formal policy, Wiebe said.

“It’s a real public health success story,” he said.

___

AP College Football Writer Ralph D. Russo contributed to this report.

Sports – TIME

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Women Supporting Other Women: 4 Simple Ways

At the United State of Women Summit earlier this year, Michelle Obama said, “So many of us have gotten ourselves at the table, but we’re still too grateful to be at the table to really shake it up. It’d be nice to have a collective of black women who are opening up spaces for each other, or making strategic moves to raise the visibility of black women within the industry, and not just who’s on the cover of the magazine but behind the scenes too. I don’t think it’s solely white people’s job to do that. There needs to be more of a push from us to stand together.” I couldn’t agree more.  Whether you’re a CEO, engineer, scientist, chef, or teacher, you have the power to support and create spaces for women of color.

Supporting other women means you’re being intentional about how you show up in life and business. Showing up means you’re mentally present while listening and speaking up for yourself as well as others. Ready to take the lead? Try the tips below.

1. Bring another woman’s projects, products, services, or accomplishments into a discussion when they’re not in the room. Here are a few examples:

  • If you realize a woman wasn’t given proper credit for an idea that she shared during a meeting, speak up for her. For example, during an interview with Politico Magazine, Wendy Sherman, former Undersecretary of State for Political Affairs, recalled an unspoken rule she and her female colleagues demonstrated during meetings. “When any man commented by repeating something that had been said earlier by a woman, one of the other women at the table would jump in. “I’m glad you agree with what _________just said,” or “That builds nicely on the point ______made just before.”
  • If you’re attending a high profile event like an awards show or conference, wear an outfit by an up and coming fashion brand or designer. The number of influencers and celebrities who speak about women’s empowerment, but fail to demonstrate their support for other women who are underestimated or underrepresented in an industry always amazes me. Simply put, talk less, act more, and lead by example.
  • If you’re in a meeting with someone who’s looking for a new team member, recommend another woman for a project by sharing her accomplishments or experiences.

2. Look beyond numbers. When looking to hire a speaker, business coach, or new employee, there’s still a lot of pressure to have a massive social media following. Unfortunately, follower count often equates to trust and traffic, but this misconception often leads to confusion and missed opportunity. Your number of followers don’t always equate to sales, engagement, or new customers. Instead of focusing on their number of followers on social media, assess their engagement. What’s the value they deliver to their audience? What are their perspectives on challenges and trends in the field?

3. Keep it real by sharing your setbacks, resources, and connections. Go beyond dolling out fluffy advice like “just do it, never give up, or believe in yourself.” Describe the sacrifices that helped you become successful. What are the names of the tools and resources that helped you succeed? As more women keep it real about how they worked through their challenges, it helps to uplift and equip other women with the resources they need to bridge the gender gap in leadership, business, etc.

4. Choose collaboration over competition. Regardless of your role, it starts with you. Bury your ego and insecurities about sharing the spotlight because the truth is we are stronger in numbers. Plus, no one wins in life or business solely by their own efforts.

In the workplace, you can promote an environment of collaboration by asking for another person’s viewpoints. In business, a successful leader recognizes the power of identifying the gaps in their skill set, operating in their zone of genius, and confidently hiring people who can close the gap.

The post Women Supporting Other Women: 4 Simple Ways appeared first on Black Enterprise.

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