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In the decade after the trade, Deutsche Bank managers delayed the recognition of losses on the trade, sparking an internal debate among executives and the bank's auditor, the newspaper reported.
John Legend’s first release of 2019 takes us to church. In his powerful new single called “Preach,” he addresses what’s wrong with the society we live in today, his faith & wanting people to put action behind their words to make change.
“I grew up in the church and one of the things we talked about was loving our neighbors as we love ourselves,” Legend said in a recent Instagram video promoting the new song. “My preacher told me that our neighbor wasn’t just the person that lives next door to you but other people whom you might not even know.”
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Rosalie Craig says it shouldn’t be considered radical for a woman to be put at the centre of a story about a 30-something playing the field.
Entertainment News – Latest Celebrity & Showbiz News | Sky News
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Last Valentine’s Day, a number of readers requested a post on how to be content as a single person on Valentine’s Day. While I’ve had a ton of single years, I’ve also been married for almost ten years now. So I asked my good friend, Auntie M. — who knows a thing or two about being a singleton on Valentine’s Day — to offer her thoughts… – Kat
I have spent a lot of holidays alone. I’ve also spent plenty of holidays coupled up, but if you can name a holiday — Thanksgiving, New Year’s Eve, 4th of July, my birthday, certainly Valentine’s Day — I can tell you about the time (or times) I spent it on my own.
Here is what I’ve learned:
It can actually be pretty great.
If you’re facing a holiday solo, my first suggestion is to travel, if possible. Get out of town. Go somewhere new. It might be kind of a bummer to spend an important day alone at home, but it’s kind of badass to spend it in an entirely new place altogether, right? I’ve spent multiple New Year’s Eves surrounded by strangers in some pretty far-flung places, and, yeah, I didn’t have anyone to kiss at midnight, but I do have some amazing memories — and some pretty respectable stamps in my passport.
If travel isn’t a possibility, find a way to engage in some meaningful self-care. For me, this means some kind of spa-type treatment, like a massage at a fancy place I normally wouldn’t visit, followed by a meal I find truly delicious (plan ahead so you can make something yourself and avoid the V-Day crowds and price hikes at local restaurants). Or, take care of yourself in other ways — a relaxing nighttime yoga class, maybe, or a night of watching your favorite movies or TV shows. Whatever you choose, just make sure it’s something that you truly enjoy, and not something you think you “should” do. Take a night off of from “should,” and, well, treat yourself.
My final go-to trick for spending a meaningful holiday solo is to set up new traditions for myself — something I can carry forward to future holidays. I do this on New Year’s Day, by doing things that are symbolic of the year I want to have (working out, cooking something healthy, finding things I no longer need that are in good condition to donate to my local charity shop). There’s no reason why this can’t apply to Valentine’s Day as well. Get creative, and come up with new ways to spend Valentine’s Day that you can do in the future, with or without a partner.
Valentine’s Day marketing is everywhere, but the truth is, you don’t actually need to feel burdened by the constant messaging that your value comes from being in a relationship. You are valuable regardless, and you are entitled to feel good about yourself without relying on another person to validate those feelings. Give yourself permission to make the holiday your own, and only do those things that reaffirm what you love most about yourself.
Readers, what are your best tips on how to be content as a single person on Valentine’s Day — or to otherwise be happily single? Do you have traditions for spending holidays by yourself — and what are they?
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Missy Elliott is being sued by the author of ‘Bald Is Beautiful’ for showing her head on the cover of a 2016 single.
Jodi Pliszka, who has alopecia, says in her lawsuit … she never gave Missy permission to use her picture. The shot Jodi’s referring to shows Missy — on her “Pep Rally” cover — wearing a top that has a bald woman’s face and head on it.
In docs obtained by TMZ, the author and motivational speaker says she did a modeling shoot years ago, and the image on Missy’s chest is from that shoot.
To the naked eye … it certainly seems like the woman on Missy’s tee bears some resemblance to Jodi — but whether it really is her might be a question for a jury.
Jodi’s suing Missy and her label, Atlantic Records, for unspecified damages. We’ve reached out to Missy’s camp … so far, no word back.
Considering no one really acknowledged Missy’s 2016 “Pep Rally” single, Jodi probably won’t be getting much — if anything.
The post Missy Elliott Sued by Author for Using Her Bald Head on a Sweatshirt for a Single Cover appeared first on lovebscott – celebrity news.
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Opinion writers weigh in on these health care topics and more.
Kaiser Health News
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A group of 376, including nearly 200 minors, was arrested.
ABC News: U.S.
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If you’re a creative with an impressive portfolio or a business owner selling a medley of high-demand products, but you don’t have a legitimate website to show for it — do you really exist?
In our increasingly digital world, it’s almost a requirement that you have a functioning website to establish your existence and publicize your goods and services to the rest of humanity. But the concept of building a website sounds time-consuming, expensive, and simply put: hard.
But platforms like Page Builder Pro are popping up to offer a fuss-free and cost-effective way to assemble the site of your dreams without any sleepless nights. If you’ve never written a line of code in your life or find website-building platforms like Squarespace too costly, you’ll like the fact that you can build a site with Page Builder for under $ 40. Read more…
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Caring for preterm babies in single family rooms appears to reduce the incidence of sepsis and improve exclusive breastfeeding rates compared with traditional open ward neonatal units, according to a systematic review and meta-analysis.
Child Development News — ScienceDaily
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The widows of two sherpa climbers, who died on Mount Everest, will try to climb the world’s highest mountain to complete the unfinished ascents of their husbands and hopefully inspire other single…
Is it just down to evolution or male sperm swimming that little bit faster?
BBC News – Health
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As the holiday season starts, singles may face questions from friends and family: “When are you getting serious about dating?”
In many families, seasonal festivities draw lines between who’s coupled and who’s not. Romantic partners are invited to holiday meals, included in family photographs, and seen as potential life mates – while “mere” friends are not. These practices draw a line between relationships seen as significant – and those which aren’t.
As I’ve argued in my research on the ethics and politics of the family, these practices reflect widespread assumptions. One is that everyone is seeking a romantic relationship. The second is more value-laden: living in a long-term romantic, sexual partnership is better than living without one. This fuels beliefs that those living solo are less happy, or lonelier, than couples.
These assumptions are so prevalent that they guide many social interactions. But research shows they’re false.
Why more Americans are living single
The truth is that more Americans are living unmarried and without a romantic partner. In 2005, the census for the first time recorded a majority of women living outside of marriage Although, of course, some unmarried women have romantic partners.
By 2010, married couples became a minority in the United States. The percentage of unmarried adults is at an all-time high, with more young adults choosing to live unmarried and without a romantic partner.
Personal finances likely plays a role in such choices. Millennials are worse off than earlier generations. There is a proven connection between economic resources and marriage rates – what legal scholar Linda McClain calls “the other marriage equality problem.” Lower incomes correlate with lower rates of marriage.
But changing family patterns are not simply the result of financial instability. They reflect choices: Not everyone wants romantic partnership and many singles see solo life as more conducive to flourishing and autonomy.
Single by choice
As I show in my book “Minimizing Marriage,” people have many different political or ethical reasons for preferring singlehood.
For other people, being single is simply a relationship preference or even an orientation. For example, there are those, referred to as “asexuals” and “aromantics,” who lack interest in sexual and romantic relationships.
Who are asexuals and aromantics?
Data from a 1994 British survey of more than 18,000 people showed 1 percent of the respondents to be asexual. Because asexuality is still little-known, some asexuals might not identify as such. And so, it’s possible that the true numbers could be higher.
Asexuals are people who do not feel sexual attraction. Asexuality is not simply the behavior of abstaining from sex, but an orientation. Just as straight people feel sexual attraction to members of a different sex, and gays and lesbians feel attraction to members of the same sex, asexuals simply do not feel sexual attraction. Asexuals can have romantic feelings, wanting a life partner to share intimate moments with and even cuddle – but without sexual feelings.
But some asexuals are also aromantic, that is, not interested in romantic relationships. Like asexuality, aromanticism is an orientation. Aromantics may have sexual feelings or be asexual, but they do not have romantic feelings. Both asexuals and aromantics face a lack of understanding.
Angela Chen, a journalist writing a book about asexuality, reports that her asexual interview subjects suffered from a lack of information about asexuality. As they failed to develop sexual attractions during puberty – while their classmates did – they asked themselves, “Am I normal? Is something wrong with me?”
But while asexuality is sometimes misunderstood as a medical disorder, there are many differences between an asexual orientation and a medical disorder causing a low sex drive. When asexuals are treated as “abnormal” by doctors or therapists, it does them a disservice.
Since the early 2000s, asexuals have exchanged ideas and organized through online groups. One such group, The Asexual Visibility and Education Network, for example, promotes the understanding that lack of sexual attraction is normal for asexuals, and lack of romantic feelings is normal for aromantics.
Asexuals, like aromantics, challenge the expectation that everyone wants a romantic, sexual partnership. They don’t. Nor do they believe that they would be better off with one.
Single and alone – or lonely?
Many singles have close friendships which are just as valuable as romantic partnerships. But assumptions that friendships are less significant than romantic partnerships hide their value.
Understanding the reasons people have for remaining single might help to handle family stresses. If you’re single, you could take unwanted questioning as a teachable moment. If you’re the friend or family member of someone who tells you they’re happily single – believe them.
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A 30-year-old nurse and single mother with $ 150,000 in student loan debt received an absolutely life-changing surprise on Wednesday.
Jasmin Ford was surprised with the news that Fifth Third Bank was going to be paying off her student loans entirely. “I still can’t find the words,” the mother said on Thursday. “I’m off work again today and I’m just sort of pacing around and restless because I know my life is going to change.”
Ford is a Chicago native and was the first in her family to graduate from college. She received her bachelor’s degree in 2011 and then became a nurse three years later after going back to school for her nursing degree. She finished her Master’s degree in nursing in 2015. With no family assistance, she said she had to take out student loans in order to cover necessities like food and rent in addition to tuition.
“I could not foresee when I’d be able to pay it off,” Ford said of her debt. “I just knew this was going to be a part of my life as long as I was alive unless there was some significant change, which — wow.” Ford said she now envisions being able to use her nursing career to give back even more and “pay it forward.”
“I just imagine being able to spend more time physically with my family, not having to hustle, having mental freedom and with that, some spiritual freedom,” she said. “I can open myself to more experiences, opportunities and just be able to sit and be with my thoughts and be able to pursue what it is I came to do.”
She also said that life will change for her son, Caleb, who is going to turn 2 in February. While struggling to pay back her debt, Ford worked nearly every day of the week at two jobs. “His life will be totally different,” she said. “I’m so happy and so proud that I’m able to offer that to him more than anything else because he deserves it.”
Jasmine Ford was surprised by Fifth Third Bank after being chosen to participate in a documentary that the Ohio-based bank was producing on the student loan debt. She didn’t know she was being awarded $ 150K for her loans, because she thought the film crew was simply coming back to her home on Wednesday to shoot some additional video.
Next year, Fifth Third Bank plans to pay off student debt for two more people. The bank will pay off loans of up to $ 39,000 for two users of Fifth Third Momentum, the bank’s student loan initiative that rounds up a customer’s debit card purchases and applies it to their student loan balance.
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Sure, it might seem like everyone in the world is coupling up.
Youâve basically mastered the art of third-wheeling â or fifth-wheeling.
Each day, your friends post engagement announcements: âIâm marrying my best friend!â Then, what seems like a week later, theyâre posting month-by-month baby updates.
Yeah, sometimes it sucks you donât have a go-to wedding date or built-in sounding board, but thereâs also something beautiful about being single. You have time to focus on yourself, your career, your relationships and your finances.
If you need some help with that last one â the little olâ money thing â we put together a 30-day money challenge just for you.
Day 1: Get a Birdâs-Eye View of Your Finances
Now, when someone tells you itâs time to start focusing on yourself, your next question might be, âHow? What should I do first?â
Honestly, itâs difficult to know where to start when it comes to getting your money in order, but we suggest tapping into your credit score and credit report.
Yes. Your credit score is very important. The better your score, the better rates youâll get on a mortgage, car loan or credit card. Heck, a bad credit score could even mean you have to put down a deposit when setting up internet.
Go ahead and peep your credit score to see how youâre doing. You can do so for free through Credit Sesame.
Not only will Credit Sesame give you your score, itâll also provide you with a free âcredit report card,â which breaks down your credit report into easy-to-understand terms and action items.
Day 2: Start Tackling Credit Card Debt
If you donât have any debt, good for you! Feel free to kick back today.
If you do (and many of us do, so donât feel ashamed), then think about this: Credit card interest rates can reach more than 20% these days. That means youâre wasting good money that could go toward paying down the principal.
If youâre in this boat, consider refinancing your debt with a personal loan.
A good resource is Fiona. Nope, you didnât find her on Tinderâ¦
Fiona is a search engine for financial services, which can help match you with the right personal loan to meet your needs.
Fiona searches the top online lenders to match you with a personalized loan offer in less than 60 seconds. Its platform can help you borrow up to $ 100,000 (no collateral needed) with fixed rates starting at 4.99% and terms from 24 to 84 months.
Day 3: Build a Budget (No Math Required)
All right. Remember, itâs Wine Wednesday (thatâs a thing, right?), so donât be afraid to pour yourself a glass before tackling todayâs challenge.
But really, this wonât be as painful as you think it will be, thanks to a free app that basically does it all for you.
The Empower app is a powerful budgeting tool that can help you figure out how youâre spending your money and develop a budgeting plan to keep you on track.
Link the app to your bank accounts, and it will track your spending. It will also categorize your spending so you can see exactly where you are overdoing it. Thatâs right: It will show you just how many times you went out for dinner because you didnât want to do the dishes.
Set a monthly spending limit, and the app will show you a graph that can tell you in one snapshot just how youâre doing for the month. Are you over the line or under it? Itâs that simple to see how youâre doing so you can adjust your spending accordingly.
Sometimes a little accountability is all you need.
Day 4: Look out for Yourself, and Start an Emergency Fund
When youâre single, you have to take care of yourself. To do that, build an emergency fund, a stash of money hidden away in case any unforeseen events pop up.
Soâ¦ where to begin?
Try Digit, an innovative app that 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% bonus every three months.
If you need that money sooner than expected, youâll always have access to it within one business day.
Digit is free to use for the first 30 days, then itâs $ 2.99 per month afterward.
Days 5 and 6: Snag Cash-Back on Your Weekend Indulgences
Itâs Friyay and Caturday (if youâre into that sort of thing), which means itâs time for a night out with friends or maybe a family brunch.
Before you indulge, download Ibotta, a free app thatâll pay you cash for taking pictures of your grocery store and gas station receipts.
You can also earn cash back at your favorite restaurants and bars. For example, if you buy yourself and a friend a bottle of Stella Artois, take a photo of your bar tab, and Ibotta will give you $ 5. (Offers change regularly, so keep an eye for new deals!)
Once you hit $ 20, cash out. Oh, and youâll get a $ 10 sign-up bonus through The Penny Hoarder, so youâre already halfway there.
Day 7: Fight Your Sunday Scaries With Fun Games
Welcome to the Sunday Scaries. Itâs time to grab your husband (and by husband, we mean that cozy pillow that tucks right around you) and turn on Netflix. Then, play games to save money.
Yep! The folks who created Long Game have you covered with a game thatâs fun and helps you achieve your financial goals. Â
As you save and accomplish missions, youâll earn coins to play mini games for cash prizes. Weâre talking the classics, like slot machines, scratch-offs and spin-to-win wheels.
I used Long Game to save money. Every two weeks, it would sneak $ 5 out of my bank account and reward me with coins.
In two months, I saved $ 35.70, just by playing games on my phone. Plus, my winnings amount to a gain of about 2% â way higher than interest on any other savings account I have.
Once you link your bank account, youâll earn 300 coins, so you can start playing immediately.
Day 8: Find More Affordable Car Insurance Rates
Did you know your car insurance rates can be dependent on your marital status? Yeah, not fair.
Either way, itâs time to check your rates to see how much money you could be saving.
The Zebra, an online car insurance search engine that offers âinsurance in black and white,â compares your options from 204 providers in less than 60 seconds.
Hereâs how it works:
- Head over to The Zebraâs search platform.
- After answering some questions, itâs time to compare. The Zebra gives you an âInsurability Score,â which is similar to your credit score except itâs for car insurance, and it Â teaches you how to get better rates. The site also gives you different options for coverage.
Day 9: Insure Your Most Valuable Asset (or Costliest Expense)
OK, being single is great and all, but admittedly, it sucks when it comes to your monthly living expenses. If you donât have a roommate, who do you split rent with? No one. And itâs dang expensive.
At least you can shop around for the best renters insurance rates.
Start by pulling a free quote. We recommend the online insurance company Lemonade, through which renters insurance starts at $ 5 a month.
Beyond affordable rates, Lemonade adds a layer of transparency you donât often see in the insurance world. Instead of profiting extra when it doesnât have to pay out claims, the company keeps a set 20% of your premium for itself, and 80% goes into a pool for paying claims. Money left over after paying claims each year goes to a cause of your choice.
That also means Lemonade isnât going to be super stingy about granting customers the claims they deserve â âcause the money isnât going into its pockets.
Day 10: Find the Cheapest Internet in Town With One Click
Todayâs the day youâre going to stick it to your internet provider. Seriously. You donât need anyoneâs help.
Itâll take only a couple of minutes to compare rates around town and save a bundle on internet (without committing to a bundle package) when you shop through Squeeze.
Squeeze is free, and it allows you to either switch companies or negotiate with your current provider.
You can also check out its âcord-cuttingâ comparison. If you havenât yet cut the cord, go ahead and compare how much your cable costs versus how much a handful of streaming services will cost.
Day 11: Trim Your Cell Phone Bill
OK, does it seem like your cell phone bill increases each month?
Well, itâs time to call in a robot. The negotiation bot Trim will negotiate your AT&T cell phone bill down for you.
You can sign up simply with Facebook or your email address. Then, enter your planâs account information, and Trimâs AI-powered system gets to work. If at first it doesnât succeed, itâll keep negotiating until it can save you some money.
Trim takes 25% of the savings tab, and you get the rest.
Day 12: Pay off Your Debt Even Faster
This challenge will help you cut your monthly expenses. Thatâs awesome! Now, instead of using that money saved to pay for a Really Badâ¢ Tinder date, put it toward your debt payoff efforts.
You can also recruit a free app to help out.
Itâs called Qoins, and it can help you become debt-free without really thinking about it.
Qoins rounds up each purchase you make to the nearest dollar. The app tracks the roundups and makes withdrawals that it automatically puts toward a debt account of your choice each month.
How it works:
- Sign up, and add your lender (the account you want to pay off).
- Connect your checking or other bank account.
- Start saving and automatically paying down your debt.
Days 13 to 15: Find Some Free Fun This Weekend!
Whoo, itâs finally Friday, so give yourself a break. Have some fun tonight, and let loose on into this weekend.
Got a hot date? Try going on a penny date. All you need is a penny and a 30-sided die.
Or plan a picnic with some friends, pack up the car and go camping, find an open mic night at a local bar, or hit up the local farmers market. If youâre looking to meet new people, you can always find a Meetup group that matches your interests.
Day 16: Breathe a Little Luck Into Your Day
No matter which way you slice it, Mondays kind of, almost always suck.
Before you get too down, itâs time to spice it up with a chance to win some money. Yep. Itâs time to get lucky.
The Lucky Day app allows you to play digital scratch-off tickets and enter daily lotteries â for free. You can win cash and tokens to exchange for prizes, gift cards and raffle entries.
Itâs all free to play, with no in-app purchases. The company has already awarded more than $ 3 million in prizes to winners since 2014.
Seriously, you could have that âI just found money in my pocketâ feeling today just for playing games and having fun on your phone.
Day 17: Get Paid to Watch Videos
Hey, so youâve probably got a hot date with Netflix tonightâ¦ Why not mix things up a bit and get paid to watch videos?
Seriously! InboxDollars pays you to watch TV online.
The site hosts a ton of stuff to watch, including cooking, entertainment, news and health shows. The shows are sponsored by brands that need to get them in front of as many eyeballs as possible. Every time you watch one, InboxDollars will credit your account with a little bit of cash.
Day 18: Try Your Hand at a Survey Site and Get a $ 5 Bonus
If youâre feeling sensitive about being single these days, maybe skip todayâs challenge. Sure, survey sites can be an easy way to make money online, but theyâre also going to ask you a ton of demographic questionsâ¦ like, tell us your relationship status. Over and over.
If you want to bank a little extra money, though, sign up with MyPoints. You can earn gift cards when you participate in polls and fill out surveys. Plus, once you complete your first five surveys, youâll earn a $ 5 bonus.
Day 19: Dip Your Pocket Change Into Some Investments
Want to give investing a try today? Come on! Itâs time to try something new.
Start small, and download Acorns, an investing app thatâll round up your debit and credit card purchases and, once it accumulates $ 5, itâll invest the spare change for you.
That means if you spend $ 10.23 at the grocery store, 77 cents gets dropped into your Acorns account. Then, the app does the whole investing thing for you.
The app is $ 1 a month for balances under $ 1 million, and youâll get a $ 5 bonus when you sign up.
If youâve got a $ 50 bill burning a hole in your wallet, then look into Swell Investing, an SEC-registered investment adviser committed to supporting sustainable companies.
Its Impact 400 portfolio features companies whose products and services align with the United Nations Sustainable Development Goals. It considers everything from gender equality to ending poverty to clean energy.
Youâll get a $ 50 bonus with the code PENNY after making your initial investment.
Swell doesnât have any trading fees, price tiers or expense ratios. It charges a 0.75% annual fee â thatâs about the cost of one coffee ($ 3.75) per year if you invest $ 500.
Disclosure: We have a financial relationship with Swell Investing LLC and will be compensated if consumers apply for an account and/or fund an account with Swell through links in our content. However, the analysis and opinions expressed here are our own.
Days 20 to 22: Master the Art of Earning Cash Back (and Get $ 10 Free!)
Woahâ¦ where did this week go?
All right. You donât quite get this weekend off, but trust us. This task will be fun, especially if you have big plans to do some online shopping. Hey, itâs a treat-yourself kind of weekend.
Before doing anything, sign yourself up for 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, youâll get a free $ 10 gift card to Walmart for giving the site a try.
Then check out Paribus, a tool that gets you money back for your online purchases. Itâs free to sign up, and once you do, it will scan your email for any receipts.
If Paribus discovers youâve purchased something from one of its monitored retailers, it will track the itemâs price and help you get a refund when thereâs a price drop.
Day 23: Find a Bank Thatâll Treat You (and Your Money) Right
All right. Itâs time to break the never-ending cycle of feesâ¦ Itâs time to break up with yourâ¦ bank. Duh.
Radius Bank does more than your average bank to make you feel appreciated. The full-service virtual bank offers perks that traditional banks donât, including up to 17 times the national average interest rate with the Radius Hybrid checking account.
Radius Hybrid is a free checking account that combines the interest-earning potential of a savings account with the flexibility of a checking account. Youâll earn 1% APY on balances over $ 2,500 (1.2% on balances above $ 100,000).
Youâll also enjoy freedom from fees: There are no monthly fees or minimum balance requirements, and you can be reimbursed for fees from any ATM in the world (yup).
Ready for someone to go above and beyond for you? You can open an account with just $ 100 â in as little as five minutes.
Day 24: Hunt Down a Savings Account That Pays out
So youâve started an emergency savings. Thatâs awesome! But now itâs time to make sure your savings is making some money for you â to really cushion your just-in-case plan.
An iOS app called Varo Money combines traditional banking tools with modern technology to help its customers become financially healthy.
Hereâs the best part: Pair your Bank Account with a Varo Savings Account where youâll earn 1.75% annual percentage yield. Thatâs nearly 20 times â repeat, 20 times â the average savings account, based on a 0.06% average reported by CNN Money.
Day 25: Check Into Your 401(k)
Got a 401(k)? Youâre on the right track.
Now, you just need to make sure itâs doing what you need it to. However, tapping into that account and deciphering the information â or lack thereof â can be hard.
Thereâs a robo-adviser for that. Blooom, an SEC-registered investment advisory firm, will optimize and monitor your 401(k) for you.
It gives you an initial 401(k) checkup for free, and youâll get to know your account a little more intimately. Find out if youâre paying too many hidden fees, have the appropriate amount invested in stocks versus bonds, that kind of fun stuff.
After that, the tool is $ 10 a month to use to continue to monitor your retirement account. Let Blooom know your target retirement age, and it can help you get there by investing more and less aggressively.
Day 26: Get $ 150 for Signing up for a New Credit Card
How many times do you reward yourself each day? Probably not enough.
Thatâs because if youâre not using a rewards credit card for everyday purchases, youâre missing out on free money.
You just have to be sure you donât get too carried away with those purchases â and that the card is paid off at the end of each billing period.
Hereâs an option we like: Itâs the Chase Freedom Unlimited card. Its claim to fame? Youâll earn an unlimited 1.5% cash back on all your purchases. Plus, if you spend $ 500 in your first three months of opening the card (hi, groceries), youâll pocket a $ 150 bonus.
Get signed up â and 0% intro APR for 15 months â here.
*The information for the Chase Freedom Unlimited card has been collected independently by The Penny Hoarder. Opinions expressed here are the authorâs alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. The Penny Hoarder is a partner of Credible.
Day 27: Temper Your Credit Card Use With This Safety Net
Need a little accountabilibuddy when it comes to credit card swiping? You donât need a human for that. Weâve got another solution.
An app called Debitize basically turns your credit card into a debit card, for free. With it, you can connect any credit card to a checking account.
Whenever you swipe your credit card, Debitize pulls the same amount of cash from your bank account. It stores the cash for you until itâs time to pay your credit card bill. Then it pays that bill for you a week before the due date.
The best of both worlds: You can build credit and get those sweet credit card perks, and also prevent yourself from running up unmanageable debt.
Days 28 and 29: Celebrate the Weekend by Binging Netflix
Whoo! Itâs already the weekend again, and youâre almost done with your 30-day challenge!
Take the weekend to binge âThe Great British Baking Showâ if you havenât already. Seriously, itâll make you so happy.
Day 30: Reflect on How Awesome YOU Are!
Congratulations. Youâve made it to the end of your 30-day money challenge!
How are you feeling? Did you finally check off all those financial tasks youâd been meaning to get to? Thatâs what happens when you have more time to focus on yourself. (No offense, significant othersâ¦ )
Whatever your goal was, weâre glad you took some time to focus on yourself and your finances. In the end, itâll set you up for success in the future.
Now, just remember: Before you go jumpinâ into any relationship, be sure to have the money talk before you truly commit.
Carson Kohler (email@example.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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NCT 127 continue to produce some of the most unique music in K-Pop with the release of new single “Simon Says,” off their repackaged album “Regulate.”
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Warren Buffett lost a boatload on his 251 million share position in Apple as the stock dove on a disappointing earnings report.
Tiffany’s commitment to doing “the work” during her breast cancer diagnosis and treatment was the motivation she needed to fight for her life.
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Step away from the sad frozen burrito, says chef Anita Lo. Single people deserve delicious meals, too. “This book will help you remember how to take care of yourself,” Lo writes in “Solo: A Modern Cookbook for a Party of One” (Knopf). Throughout, the acclaimed restaurateur applies her message of scrumptious self-sufficiency to dozens of…
Living | New York Post
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In an investigation of head impact burden and change in neurocognitive function during a season of youth football, researchers find that sub-concussive impacts are not correlated with worsening performance in neurocognitive function.
Child Development News — ScienceDaily
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The War of the Spanish Succession. The War of the Quadruple Alliance. The War of Jenkins’ Ear. The War of the Austrian Succession. The Jacobite Rebellion. The Seven Years’ War (A.K.A. the French and Indian War). The American War of Independence. The French Revolutionary Wars.
The King of England fought a hell of a lot of wars in the 1700s, from the beginning of the century right up to the very end. In the process, Britain gained various islands in the Caribbean, saved its North American colonies, lost its North American colonies, and engineered a permanent split between Scotch and Irish whiskies—in the process giving us that uniquely delightful spirit known, since 2012, as “Irish single pot still whiskey.” (Before that, it was “pure pot still,” and before that—way before that—it was “old still,” which we’ll get to later.)
Just to be clear, the whiskey in question is the uniquely Irish style that is double- or (usually) triple-distilled in copper pot stills from a mix of malted and unmalted barley (neither can drop below 30-percent of the total mix of grains) and up to 5-percent other grains, if desired, and barrel-aged for at least three years. The large whack of unmalted barley gives the whiskey a subtle funk, often described as “musky” or “mossy,” that sets it apart it from a 100-percent malt whiskey and makes it interesting, much like a tiny hit of peat-smoke does to a Speyside Scotch malt whiskey.
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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News
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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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When Takiia Anderson graduated from Boston College Law School in 1999, she was a single mom with a 2-year-old child, nearly $ 100,000 in student loans and a new job as a government attorney that paid $ 34,102 a year. She didn’t like that math.
“People are talking about 20 years to pay off a student loan, and my daughter is going to college in 16 years,” recalls Anderson, now 47 and based in Atlanta. “I didn’t want to be in a situation where I’m helping her pay for college while I’m still paying my student loan.”
Today, Anderson’s student debt is long gone. She has nearly $ 500,000 in retirement savings, and her daughter, Taje Perkins, finished her third year at Spelman College in Atlanta with no student loans to cover its nearly $ 30,000 per year in tuition and fees.
How did she do it? She set a series of targets and kept a laser-like focus on them that, even though she later became a high-earner and has ridden a surging stock market, can serve as a lesson to others today.
“Any time I got a raise, a bonus or a tax refund, I put it toward my debt, my daughter’s education savings and then retirement,” Anderson says.
TOUGH CHOICE: SAVE FOR RETIREMENT OR COLLEGE?
Many financial advisers would advise flipping those last two priorities: “The same way that airplane announcements tell us parents should put on their own oxygen masks before assisting their children, parents should prioritize saving for retirement and putting themselves in a good financial position before saving for their children’s education,” says Paul R. Ruedi, CEO of Ruedi Wealth Management in Plano, Texas.
Yet more parents like Anderson are prioritizing saving for college over retirement — 56 percent are doing the former vs. 54 percent the latter, according to a recent survey by Sallie Mae , one of the nation’s largest student loan lenders.
“Although college wasn’t as expensive when I went in 1989, I know what it’s like not to have to pay those bills, and that’s what I wanted for her,” says Anderson, a Howard University graduate.
TACKLING HER BIG DEBT FIRST
Anderson attacked her student loan debt first with single-minded determination.
“We didn’t have cable. No internet,” she recalls, adding that instead they watched old or borrowed DVDs and VHS tapes. “I was literally living in overdraft protection. But I was paying my bills on time. I drove the same car for 12 years, cooked at home and packed lunches.”
As her salary increased and she was promoted to roles with the U.S. Department of Labor in Maryland, Philadelphia and Atlanta, she pumped more cash toward her debt.
“Even when I was making low six figures, I was renting $ 1,200 apartments — a lot of money for some people, but much less than I could afford,” she says.
In the end, Anderson was able to pay off her $ 100,000 in debt in nine years rather than 20.
COLLEGE SAVING: FROM $ 135 IN CHANGE TO $ 12K A YEAR
Anderson began saving for her daughter’s education when Taje was 3 years old. She started small. Following advice she heard on “Oprah,” Anderson paid for daily expenses in cash and at the end of each day threw change in a drawer. After one year, she had $ 135 that she used to open a savings account for Taje. She later rolled that into a 529 college savings plan and began contributing $ 50 a month.
Once Anderson paid off her student loans and credit cards in 2008, she began saving $ 12,000 a year toward her daughter’s education. By the time Taje started college, Anderson had saved $ 56,000 and added another $ 22,000 during her first years.
But to do so, Anderson quit contributing to her government retirement plan for two years — a move most financial advisers would caution against.
“Fortunately, the two years I didn’t contribute to my retirement plan was during the financial crisis,” she says. In 2010, she resumed contributing to her employer-sponsored retirement plan up to the legal limit — $ 16,500 a year at that time — “to catch up,” she says.
Anderson’s max contributions have aligned nicely with the current nine-year bull market, in which the S&P 500 index has seen annualized returns of about 10 percent.
DEBT-FREE MEANS MORE LIFE CHOICE
Some might view Anderson’s story as one of sacrifice, but she believes that aggressively paying down her debt has brought her freedom, like the opportunity to choose early retirement this year after working 20 years with the government.
Anderson has $ 15,000 in emergency savings, owns a home and is doing contract legal work to keep earning some money. She also writes a personal finance blog, “The Frugal Biddy.” Her daughter has begun her last year in college, and she will be taking over payments from her mother and getting student loans to finish her degree.
Dedicating five or 10 years of a career to pay down debt “may seem to some that they are losing their life, but what they don’t realize is how much they gain,” says Anderson.
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