8 Ways You Can Get to Retirement 10 Years Earlier Than You’ve Planned

Retirement. It seems like it’s forever away, doesn’t it? With all the bills and debt you’ve already accumulated, the idea of cashing in your chips and calling it a career could be an impossible dream.

But here’s the trick: Think like an entrepreneur, and start managing your life like it’s a successful business.

Try out these 8 tips that will help you do just that. You could even find yourself rocking retirement as soon as 10 years earlier than you would otherwise. Sweet, right?

1. Pay Off Credit Card Debt, So You Won’t Be Weighed Down

When you think about how much debt you have, you might feel a little anxious.

That’s where a company like Fiona can be helpful. It can help you find personalized lending options to refinance or consolidate your debt to potentially save thousands of dollars in interest.

Fiona will show you all the lenders willing to help you pay off your credit card and eliminate the headache of paying bills by allowing you to make one payment each month.

You can borrow up to $ 100,000 (no collateral needed) and compare interest rates, which start at 4.99%. The idea is to secure a loan at a lower interest rate, potentially helping you save thousands. Repayment plans range from 24 to 84 months.

Take, for example, Katherine, who faced $ 12,000 in credit card debt. Holding her back? The 15.24% interest rate. By refinancing with a 5%-interest, seven-year personal loan, she saved $ 12,000 in interest.

If she’d kept on the same road, she would have paid something like $ 14,000 in interest alone over 25 years. Yikes.

So even if you’re simply curious about what’s out there, know that checking rates on Fiona won’t hurt your credit score — and can probably save you in interest.

2. Have a Sit-Down With Your Credit Score

Dana Sitar with partner Stefan Davis spend some time reviewing credit sesame both on their phone and on personal laptop. St Petersburg, Fla.

If you want to retire early, your credit score is going to be a valuable tool. With a good credit score comes lower interest rates on loans, which means less money out of your pocket.

One of the toughest parts about paying down debt and fixing your credit score is knowing where to begin.

To create a rebuilding plan, you have to first know what you’re dealing with.

Do you have credit card debt? Is your name attached to any unpaid loans? Are you behind on medical or utility bills you didn’t know about?

Your credit report will give you this information.

You can get a free copy of your credit report once every 12 months from each of the three major credit reporting bureaus.

If you want to keep a closer eye on your credit, get your credit score and “credit report card” for free from Credit Sesame. This website breaks down exactly what’s on your credit report in layman’s terms, how it affects your score and how you might address it.

3. Hope for the Best, but Plan for the Worst

A family tragedy can do more than just break hearts. Losing someone in your life can come with a large emotional, and even financial, burden.

You’re setting plans to retire early. Don’t let a tragedy get in the way. Make sure that you and your loved ones have life insurance policies in place. They protect those left behind so they can continue to live out their dreams.

A company like Policygenius offers an easy way for anyone to compare and buy life insurance. The search engine allows you to compare policies and get instant quotes. Once you find the right fit, you can apply right online.

If you’re young and mostly healthy, consider purchasing term life insurance online from Ethos. It partners with a major A-rated life insurance carrier to provide policies for a low price. For example, $ 30 a month could get your family $ 1 million of coverage.

It’s not fun to think about, but it’s a necessary step for your life plans.

4. Pad the Bottom Line With Passive Income

The housing market is booming in Florida, including in places like Palmetto, Fla

Passive income is awesome. It’s income that keeps rolling in without you having to do much on your end. Suh-weet.

One great way to earn passive income is to invest in real estate. We found a company that helps you do just that.

Oh, and you don’t have to have hundreds of thousands of dollars, either. You can get started with a minimum investment of just $ 500. A company called Fundrise does all the heavy lifting for you.

Through the Fundrise Starter Portfolio, your money will be split into two portfolios that support private real estate around the United States.

This isn’t an obscure investment, though. You can see exactly which properties are included in your portfolios — like a set of townhomes in Snoqualmie, Washington, or an apartment building in Charlotte, North Carolina.

You can earn money through quarterly dividend payments and potential appreciation in the value of your shares, just like a stock. Cash flow typically comes from interest payments and property income (i.e. rent).

(But remember: Investments come with risk. While Fundrise has paid distributions every quarter since 2014, dividend and principal payments are never guaranteed.)

You’ll pay a 0.85% annual asset management fee and a 0.15% annual investment advisory fee.

5. Bring Your Operating Costs Down

If you’re treating your life like a business, you need to keep your operating costs down, right? That means taking a hard look at your monthly bills and cutting unnecessary costs. Luckly, that’s easier to do now than ever.

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 by lowering their bills, canceling necessary subscriptions and getting refunds.

And what about insurance on your wheels? For many, car insurance is just one of those things where we cave in and pay. Because, just like the electric bill and phone service, we need it, right?

Yes. Unfortunately, there’s no getting around car insurance,. But one way you could save money is by shopping around and comparing rates at least once a year. Less than 50% of us do that, according to this survey from The Zebra, though 81% of us report wanting lower rates.

So, 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.

When you cut out excess spending on monthly bills, you can put more in your pocket and more toward retirement. It just got a little closer.

6. Invest Like a CEO, but With as Little as $ 5

Aileen with money.

You know that you should be investing, but how? “It takes money to make money” is what they always say. Well, if you want to start investing, it doesn’t take as much money as you’d think.

If you’re like most of us and wish your money would just take care of itself, consider starting an investment account through Acorns.

You can start small and stack up change over time with its “round-up” feature. 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 idea is you won’t miss the digital pocket change, and the automatic savings stack up faster than you’d think. For example, we reviewed how Penny Hoarder Dana Sitar was able to save at a rate of $ 420 a year!

At that rate, you could set aside $ 1,000 in about two and a half years — without trying.

The app is $ 1 a month for balances under $ 1 million, and you’ll get a $ 5 bonus when you sign up.

You’ll be able to watch your investments grow as you get closer and closer to retirement. It’s okay. Show off your portfolio to the gang at the water cooler.

7. Give Your 401(k) a Pep Talk

For many people, a 401(k) account is their primary tool for retirement savings. That’s great. But if you want to retire early, you need to make sure it’s doing all it can for you.

If you’re saving for your retirement with a 401(k), awesome.

But when’s the last time you truly checked in on your account, adjusted your allocations, addressed any fees and all that other fun stuff?

Try using a robo-adviser to make sure your 401(k) is on track with your retirement goals. Blooom is an SEC-registered investment advisory firm that’ll optimize and monitor your 401(k) for you.

Your initial account checkup is free, and you can do it online in less than five minutes. This will help you get to know your account a little more intimately. Find out if you’re paying too many investment fees or if you have the appropriate amount of money invested in stocks versus bonds.

If you’re satisfied with the outcome of your initial checkup, great! If not, you can enroll in Blooom for $ 10 a month (Penny Hoarders get one month free). It’ll automatically adjust your 401(k) to best fit your needs all the way up to retirement.

8. Give Yourself Yearly Reviews

Now that you’ve made some smart moves to help put yourself in position to retire 10 years earlier than you otherwise could have, don’t just sit back and coast.

Like any good business, you need to review things at least once a year. Where can you cut back? Can you put a little more into your investments?

You’re the CEO of your life. Start acting like it, and watch the bottom line get bigger and better with time.

So… what will you do with an extra 10 years of free time?

Tyler Omoth is a senior 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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Invasive tick species could have an even larger impact on the US than first feared

longhorned ticks

Late last month the CDC issued a warning about an invasive species of tick that has begun to spread in the United States. Native to Asia, the ticks are gaining a foothold here in the U.S. and they pose a serious threat to both humans as well as animals like livestock and pets.

First spotted stateside a couple of years ago, the parasite is beginning to spread at an alarming rate, and a new study forecasting its relentless march was published this week in the Journal of Medical Entomology. The bad news is that the a huge portion of the country is perfectly suited to allow the ticks to spread. The good news? Well, there really isn’t any.

Continue reading…

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Invasive tick species could have an even larger impact on the US than first feared originally appeared on BGR.com on Thu, 13 Dec 2018 at 23:06:13 EDT. Please see our terms for use of feeds.


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U.S. solar takes hit from Trump tariffs but is cheaper than ever: report

U.S. solar installations fell 15 percent in the third quarter as the Trump administration’s tariffs on overseas-made panels forced developers to put off large projects, according to a report commissioned by the industry’s primary trade group.


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WATCH: World News 12/10/18: More Than 1,600 Crashes Reported Across Storm Zone

Video shows officers in tug-of-war with mother over baby; Nuns allegedly confess to embezzling at least $ 500,000
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Movies Starring Women Earn More Than Male-Led Films, Study Finds

The research, covering 2014 to 2017, also showed the power of films that pass the Bechdel test, in which two female characters discuss something other than a man.
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Balangiga bells returned to Philippines by US more than a century later

Three war-trophy church bells seized by U.S. troops more than a century ago were returned to the Philippines Tuesday morning. Two of the Bells of Balangiga, pictured, were at F.E. Warren Air Force Base in Cheyenne, Wyoming, and the third was with the U.S. Army in South Korea.
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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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Google+ will shut down sooner than planned

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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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A wintry storm hammering the Southeast grounds more than 1,400 flights, as airlines waive change fees

A large wintry storm that struck the Carolinas, Virginia and other parts of the Southeast prompts airlines to cancel more than 1,400 flights. Carriers waive change fees for passengers traveling to and from affected airports.
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James Baldwin’s ‘Beale Street’ Is Talking Louder Than Ever

Photo Illustration by Elizabeth Brockway/The Daily Beast

If Beale Street Could Talk, a movie directed by Barry Jenkins, opens in limited release December 14. The novel of the same name by James Baldwin and on which the movie is based was published in June 1974. It tells the story of Tish and Fonny, two very young (she’s 19, he’s 22) African-Americans in New York City who are in love, engaged to be married, then find the fragile trajectory of their lives thrown off by Fonny’s arrest for a rape he did not commit. The perpetrator of the arrest—of the entire maddening injustice of Fonny’s incarceration—is one Officer Bell, a blue-eyed, red-haired New York City cop who, for no good reason, has it in for Fonny.

Beale Street is a tragedy, not without hope at the end, but a tragedy nevertheless. “You can beat the rap, but you can’t beat the ride,” is a saying you hear among lawyers of the criminal defense bar, and the ordeal that Tish, Fonny, and their families endure is a very harsh ride indeed.

The same summer that Beale Street was published, I read it far from New York, in a quiet, leafy suburb of what was called in those days “the New South,” and the news that book brought me might as well have come from another planet. I was 16, white, middle class, and had spent exactly one night of my life in New York, at a Holiday Inn. The world Baldwin depicts, a world in which the racist animus of a white policeman could so randomly, lethally be brought to bear on one particular black man, rocked my 16-year-old self back on his heels.

Read more at The Daily Beast.

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U.S. Consumer Confidence Pulls Back More Than Expected In November

Reflecting a pullback in expectations, the Conference Board released a report on Tuesday showing a bigger than expected decrease in U.S. consumer confidence in the month of November. The Conference Board said its consumer confidence index dropped to 135.7 in November after rising to 137.9 in October.
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US weekly jobless claims rise to a more than 4-month high

The number of Americans filing applications for jobless benefits rose to more than a four-month high last week, but the underlying trend remained consistent with a tightening labor market.
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The hot new Fire TV Stick 4K costs less than the original with this Black Friday deal

Fire TV Stick 4K

Amazon’s wildly popular Fire TV Stick is on sale for Black Friday for just $ 25, but it normally retails for $ 40. Meanwhile, the brand new Fire TV Stick 4K with all-new Alexa Voice Remote normally sells for $ 50, with is a killer value considering you get 4K, HDR support, Dolby Atmos support, and Amazon’s new next-gen Alexa voice remote. As you might have surmised though, the new 4K model is also on sale for Black Friday 2018, and the price is down to just $ 34.99. That’s $ 5 less than the old Fire TV Stick’s normal retail price, and you don’t have much longer to take advantage.

Fire TV Stick 4K with all-new Alexa Voice Remote, streaming media player: $ 34.99

Here are the bullet points from the product page:

  • The most powerful 4K streaming media stick with a new Wi-Fi antenna design optimized for 4K Ultra HD streaming, with more storage for apps and games than any other 4K streaming media stick.
  • Launch and control all your favorite movies and TV shows with the next-gen Alexa Voice Remote. New power, volume, and mute buttons to control your TV, sound bar, and receiver.
  • Enjoy brilliant picture and immersive sound with access to 4K Ultra HD, Dolby Vision, HDR, HDR10+, and Dolby Atmos.
  • Choose from 500,000 movies and TV episodes. Watch favorites from Netflix, Prime Video, Hulu, STARZ, SHOWTIME, CBS All Access, and others.
  • Experience tens of thousands of channels, apps, and Alexa skills, plus millions of websites like YouTube, Facebook, and Reddit.
  • Alexa on Fire TV provides the most comprehensive voice experience of any streaming media player—view live camera feeds, check the weather, dim the lights, and stream music.
  • Amazon Prime members get unlimited access to thousands of movies and TV episodes, plus ad-free listening to millions of songs with Prime Music.
  • No cable or satellite? No problem. Watch live TV and sports with subscriptions to Hulu and PlayStation Vue.

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The hot new Fire TV Stick 4K costs less than the original with this Black Friday deal originally appeared on BGR.com on Fri, 23 Nov 2018 at 16:57:42 EDT. Please see our terms for use of feeds.


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Robert De Niro, Grace Hightower Split After More Than Two Decades

Tribeca Film Festival - 'For The Love Of Cinema' Gala Dinner - Arrivals

Source: Dennis Van Tine/Future Image/WENN.com / WENN

via TV One:

It’s over for Robert De Niro and his wife Grace Hightower. The 75-year-old actor married Hightower in 1997 after dating for a decade. The pair share two children together, a 20-year-old son named Elliott and a 6-year-old daughter named Helen Grace, whom they had via surrogate.

According to PEOPLE, this isn’t the first time the couple has separated. In 1999 the “Meet The Fockers,” actor publicly engaged in a custody dispute over their son, but the two eventually worked things out and the divorce was never finalized.

2018 hasn’t been kind for a few celebrities in the love department. CNN’s Van Jones, Wendy Raquel Robinson‘s husband Marco, “Cosby Show” actor Joseph C. Phillips, Kevin Garnett‘s wife Brandi “Soul Food” star , Vanessa A. Williams, and Tisha Campbell-Martin all filed for divorce this year.

 


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California wildfires death toll reaches 86, more than 500 still unaccounted for

Hundreds of people remain missing in the wake of a pair of deadly wildfires that have been burning across both ends of California.
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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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Mexico detains caravan of more than 200 Central American migrants

MEXICO CITY — Mexican immigration agents on Wednesday detained almost all of the Central American migrants on a fourth caravan that recently entered Mexico seeking to reach the United States. Mexico’s National Immigration Institute said 213 migrants were detained and taken to a processing center. Those found to lack proper documents may face repatriation to…
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More than a quarter million displaced because of California fires

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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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Your New Baby Will Cost More Than You Imagined. Here are 5 Ways to Save

The parenting books tell when you can expect your baby to reach physical milestones. The parenting classes teach you the proper way to bathe an infant and change a diaper.

But new parents, who are projected to spend an average of $ 233,610 from birth through age 17, are often clueless and unprepared when it comes to how to manage their financial lives after having a baby.

Laura Adams, host of the “Money Girl” podcast, sat down with Andrea Woroch, an expert on how consumers can save money, to discuss common money mistakes new parents make. Woroch also draws advice from her experience as a mom to a 2-year-old, with another baby on the way.

5 Financial Mistakes New Parents Make

“Having a baby is certainly a joyous time, but it can also be an emotionally and financially stressful time,” Adams says.

If you’re planning a family, learn from these new-parent money blunders so you’ll start your family off on a better footing.

Mistake No. 1: Not Building Savings

Having a baby comes with a lot of responsibility — and a lot of new expenses. It’s important to build up a savings buffer.

You may lose out on earning income if you or your partner takes time away from work after the baby arrives. On top of that, there are additional costs each month, like higher health insurance premiums and all the unexpected things that crop up, like ordering takeout on those days when you’re just too exhausted to cook.

When you plan to have kids, it’s smart to stash money in a high-yield online savings account. Also look into ways to cut costs, like lowering your monthly grocery bill.

Mistake No. 2: Not Preparing for Child Care Costs

Child care tends to be one of the most expensive recurring costs parents face in the first few years. However, a recent survey conducted by The Penny Hoarder showed about 85% of parents surveyed did not save up for child care costs before having a baby.

Doing research ahead of time can help parents know what to expect. There are also ways to cut costs, like finding more affordable care options or trading free babysitting with friends who have kids.

Mistake No. 3: Not Getting Life Insurance

Celebrating a new life isn’t usually the time when you think about end-of-life preparations. But buying life insurance is a smart money move when you have a little one who depends on you.

It’s good to have coverage for at least six to eight times your annual salary, but you should have life insurance even if you’re currently a stay-at-home parent.

Mistake No 4: Overspending on Baby Gear

It’s tempting to buy all those cute little baby clothes, snuggly toys and that vibrating rocker everyone swears you’re going to need, but infants can get by without all the extras.

Save money by clearly defining your needs and wants. Utilize hand-me-downs and buy gently used gear instead of paying top dollar for new stuff your kid will outgrow in a matter of months.

Mistake No. 5: Not Saving for College Early Enough

The magic of compound interest lies in saving early. It might seem odd to save for college when your little one’s still in diapers, but it’s the best way to optimize your college savings.

A 529 college savings plan is a great vehicle to get funds together for your child’s future education. You can even ask friends and family to contribute in lieu of birthday or holiday gifts.

Listen to the podcast for more advice on handling finances as a new parent.

Nicole Dow is a senior writer at The Penny Hoarder. She is the mother of a 4-year-old and has made nearly ALL the money mistakes as a new parent.

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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Facebook Makes It Easier Than Ever For You to Vote

Over the past couple of years, Facebook has been instrumental in making it easier for users to prepare for Election Day. They’ve done this by supporting voter registration drives in both the primaries and general election through the nonpartisan TurboVote Challenge.

This year is no different. They’ve added feature sets that let people ask their friends to join them in registering to vote. In addition to that, research shows people who make a plan to vote are more likely to do so, so the platform is helping users find their polling locations, with the option to set a reminder just in case it slips their mind.

One of the biggest reasons folks shy away from voting is because they don’t know the candidates or understand the policies and the research can get confusing. Facebook now has a new tool that provides Candidate Info, which lets people hear directly from their federal, state, and local candidates on why they’re running for office, what policy issues they care about, and what they hope to accomplish if elected.

vote

Facebook Civic Engagement Infographic (Facebook)

The short videos allow the candidates to showcase the following:

  • Introduce themselves to voters and tell people about the office they’re running for.
  • What their top policy priority is and why they are the right person to work on it
  • Talk about what makes them most qualified to represent their district
  • Address what the most important goal is they hope to accomplish in office and how they plan to get it done

Facebook isn’t alone in this. Instagram is rolling out their feature set as well. You can now post that you voted with a custom “I Voted” sticker and a “We Voted!” story will appear at the front of your stories bar on November 6th so you can see all of your friends who participated. The goal for this is to encourage more users to get out and vote. As they see their friends, counterparts, and associates doing so, the hope is that it will create a viral effect encouraging others users to do so.

The post Facebook Makes It Easier Than Ever For You to Vote appeared first on Black Enterprise.

Lifestyle | Black Enterprise

EMPLOYMENT SEARCH UPDATE:

Moms of boys nearly 80% more likely to get postpartum depression than mothers of girls

Oh boy.

Your new baby’s sex may be to blame for your postpartum depression.

The mood disorder that comes after childbirth has been linked with having a boy in a new study out of England’s University of Kent. In fact, the odds of developing postpartum depression for moms of males is boosted by an…

Life Style – New York Daily News

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Wholesale inventories gain slightly more than expected in September

U.S. wholesale inventories gained slightly more than estimated in September.
Economy

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More Americans are meditating than ever before, as mindfulness goes mainstream

Meditation is on the rise among both adults and children, a new report from the CDC shows. Apps such as Headspace and Calm have helped raise awareness and teach people how to meditate. 
Health and Science

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Walmart is holding parties in its stores on Thanksgiving, kicking off online deals earlier than ever

Walmart will hold new events in stores on Nov. 22, Thanksgiving Day, from 4 p.m. to 6 p.m. with free coffee and cookies. It will also kick off Black Friday deals online earlier than it ever has before.
Retail

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Up to 50% off Women’s Sale at 3×1

More than intelligence needed for success in life

Research has examined long-held beliefs that success in school and careers is due to more than just high intelligence. Non-cognitive skills are also important.
K-12 Education News — ScienceDaily

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Pittsburgh Steelers Quarterback Ben Roethlisberger Honored Shooting Victims With ‘Stronger Than Hate’ Cleats

Pittsburgh Steelers Quarterback Ben Roethlisberger wore specialized cleats Sunday to pay tribute to the victims of last week’s shooting at the Tree of Life Synagogue in the city’s Squirrel Hill neighborhood.

The cleats featured a Star of David inside the Steelers logo and were decorated with the words, “Stronger than hate.” Roethlisberger wore the cleats during pregame warmups, then switched to standard cleats during the game against the Baltimore Ravens to avoid an NFL uniform violation.

On Tuesday, Steelers players and staff also attended the funeral of brothers Cecil and David Rosenthal, who were among the 11 victims of the shooting on Oct 27. Michele Rosenthal, the sister of Cecil and David, is the former community relations manager for the Steelers.

Robert Bowers, the suspected gunman, has pleaded not guilty to 44 federal charges that include murder, hate crimes, obstructing the practice of religion and other crimes.

The “Stronger than hate” image has been widely shared on social media.

“It was tough, it was crazy tough, especially with Michele and the closeness we have with her,” Roethlisberger said last Sunday, according to ESPN. “We’re thankful for the victory, but we all understand, there are bigger things, there’s life.”

Sports – TIME

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Oil suffers its worst monthly drop in more than two years during ugly October for markets

Crude futures started October at nearly four-year highs, bolstered by looming U.S. sanctions on Iran, but oil prices posted their biggest monthly drop since July 2016.
Energy

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Advertising in kids’ apps more prevalent than parents may realize

Ninety-five percent of reviewed apps for children ages 5 and under include at least one form of advertising, a new study finds. Researchers found play was frequently interrupted by pop-up video ads, persuasion by commercial characters to make in-app purchases to enhance the game experience and overt banner ads that could be distracting, misleading and not always age-appropriate.
Child Development News — ScienceDaily

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Gastric Bypass Surgery Associated With Greater Weight Loss in Adults Than Other Procedures

SEATTLE — Adults with severe obesity had greater initial and sustained weight loss with gastric bypass surgery than either sleeve gastrectomy or adjustable gastric banding, according to a new published today in the Annals of Internal Medicine.

This is the largest long-term study of bariatric surgery to date. It included more than 46,000 patients at 41 participating health systems in 11 Clinical Data Research Networks nationwide, thanks to its use of a large new resource called PCORnet®, the National Patient-Centered Clinical Research Network.

Bariatric surgeons can use various operations to help people lose weight by making changes to their digestive system. This study did a head-to-head comparison of 1-, 3- and 5-year results from the three most commonly performed weight-loss operations: gastric bypass, sleeve gastrectomy and adjustable gastric banding. 

The findings are important because severe obesity — a body mass index (or BMI) of at least 35 kg/m2 — affects more than 15 percent of U.S. adults, according to the National Health and Nutrition Examination Survey. National Institutes of Health guidelines consider people with a BMI of 40 kg/m2, or at least 35 kg/m2 for people with diabetes or other obesity-related diseases, eligible for bariatric surgery.

“Bariatric surgery is widely considered the most effective way to treat severe obesity and induce long-term weight loss,” said first author David Arterburn, MD, MPH, an internist and senior investigator at Kaiser Permanente Washington Health Research Institute. “We wondered about sleeve gastrectomy, which has quickly become the most commonly performed bariatric procedure in the United States. Because it’s the newest — introduced less than a decade ago — less evidence has been available to compare it against the longstanding gastric bypass and adjustable gastric band.”

The investigators found that:

  • People who had gastric bypass surgery had lost 31 percent of their weight at the first year and maintained 26 percent of their loss at 5 years.
  • People who had sleeve gastrectomy had lost 25 percent of their pre-surgery body weight at 1 year and maintained 19 percent weight loss at 5 years.
  • That translates into a 19-pound difference in weight loss between gastric bypass and sleeve gastrectomy at 5 years for the average person in this study, who weighed 277 pounds before surgery.
  • By contrast, adjustable gastric banding was much less effective for losing weight and keeping it off, with 14 percent and 12 percent of weight lost at 1 and 5 years, respectively. Gastric banding used to be the most commonly performed bariatric procedure, but it now represents just 10 percent of bariatric procedures.

“These findings give strong evidence that bypass and sleeve are effective for lasting weight loss for adults with severe obesity,” said Kathleen M. McTigue, MD, MPH, MS, another study leader and an associate professor of medicine and epidemiology at the University of Pittsburgh. “We hope this helps people to make more informed decisions about their care, as they talk with their health care providers about the respective benefits and risks of the most common weight-loss procedures.”

Members of the same PCORnet® Bariatric Study Collaborative team had found similar results in teenagers.

Because of the large sample size, the researchers could examine subgroups of people to assess whether certain characteristics improved or worsened their chance of weight loss success. They found that men, African-Americans, Hispanics, people age 65 and older, and people with diabetes or lower BMIs (less than 50) tended to lose less weight than did other people in the study. But these differences between patient groups were small — less than 3 percent differences in weight lost at 1, 3 and 5 years across groups — which was much less than the differences between the procedures. For instance, the difference between weight lost with gastric bypass and sleeve gastrectomy was 6 percent at 1 year and 7 percent at 5 years. 

The 30-day risk of major adverse events, such as a prolonged hospitalization or another operation, were generally low across all three procedures. Sleeve gastrectomy had the lowest rate of major adverse events (2.6 percent), followed by gastric banding (2.9 percent), and then gastric bypass (5.0 percent).

The new results are among the first to be produced using the resources of PCORnet®, an innovative initiative funded by the Patient-Centered Outcomes Research Institute (or PCORI). PCORnet® is designed to produce clinical insights faster and less expensively than traditional clinical studies. It involves multiple individual networks that together represent more than 100 million patients.

The network securely collects health information during routine care — not including data that could help identify individuals — to produce real-world evidence with outcomes that matter to patients, who are full partners in this research.

“Our patients and providers were critical to the success of this study,” said Karen J. Coleman, PhD, MS, another study leader and a research scientist at Kaiser Permanente in Southern California’s Department of Research & Evaluation in Pasadena. “They helped us craft the question, pick the variables to study, interpret the findings and present the results. We could never have done such a comprehensive study without their partnership.”

“We helped the group think through the most important questions for patients, like risks and safety concerns,” said the Rev. Neely Williams, MDiv, a patient-principal investigator on the study and the CEO of the Community Partners’ Network in Nashville. “We also explored how best to share evidence with patients.”

The PCORnet® Bariatric Study Collaborative team is continuing to examine the outcomes of different types of weight-loss surgery for longer-term safety as well as outcomes in people with diabetes.

This PCORnet® study, registered at ClinicalTrials.gov (NCT02741674), was funded by PCORI through PCORI Award OBS-1505-30683.

For the PCORnet® Bariatric Study Collaborative, the other coauthors are Robert Wellman, MS, R. Yates Coley, PhD, Andrea J. Cook, PhD, Jane Anau, and Roy Pardee, JD, MA, of Kaiser Permanente Washington Health Research Institute; Sameer Murali, MD, of Kaiser Permanente in Southern California’s Department of Research and Evaluation in Pasadena; Sengwee Toh, ScD, Jessica Sturtevant, MS, and Casie Horgan, MPH, of Harvard Medical School’s Department of Population Medicine and Harvard Pilgrim Health Care Institute in Boston; Ana Emiliano, M.D., of Rockefeller University in New York; Steven R. Smith, MD, of Florida Hospital’s The Translational Research Institute for Metabolism and Diabetes in Orlando; Andrew O. Odegaard, PhD, MPH, of the University of California, Irvine School of Medicine’s Department of Epidemiology; Cheri Janning RN, BSN, MS, of Duke Clinical & Translational Science Institute in Durham, NC; Anita Courcoulas, MD, MPH, of the University of Pittsburgh’s Department of Surgery.


About Kaiser Permanente Washington Health Research Institute
Kaiser Permanente Washington Health Research Institute improves the health and health care of Kaiser Permanente members and the public. The Institute has conducted nonproprietary public-interest research on preventing, diagnosing, and treating major health problems since 1983. Government and private research grants provide our main funding. Follow KPWHRI research on TwitterFacebookLinkedIn, or YouTube. For more information, go to: www.kpwashingtonresearch.org.

About Kaiser Permanente
Kaiser Permanente is committed to helping shape the future of health care. We are recognized as one of America’s leading health care providers and not-for-profit health plans. Founded in 1945, Kaiser Permanente has a mission to provide high-quality, affordable health care services and to improve the health of our members and the communities we serve. We currently serve more than 12.2 million members in eight states and the District of Columbia. Care for members and patients is focused on their total health and guided by their personal Permanente Medical Group physicians, specialists and team of caregivers. Our expert and caring medical teams are empowered and supported by industry-leading technology advances and tools for health promotion, disease prevention, state-of-the-art care delivery and world-class chronic disease management. Kaiser Permanente is dedicated to care innovations, clinical research, health education and the support of community health. For more information, go to: kp.org/share.

The post Gastric Bypass Surgery Associated With Greater Weight Loss in Adults Than Other Procedures appeared first on Kaiser Permanente.

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NEW PARENT ESSENTIAL UPDATE:

Melania Trump’s First Lady Wardrobe Speaks Louder Than She Does

Carlo Allegri/Reuters

During her first solo tour through Africa, Melania Trump channeled every study-abroad student, posing in front of the Egypt’s pyramids or Kenyan elephants in ‘grammable photo opps. The First Lady told reporters that she wanted to “show the world that we care,” with her travels through Ghana, Malawi, Kenya, and Egypt.

“The world” (mostly Twitter) did notice something—the pith hat she donned in Nairobi. For many, the accessory referenced colonialism and oppression, especially in light of her husband’s reported opinion of Africa being made up of “shithole countries.”

When asked about the accessory during a press conference in front of the Sphinx, Trump echoed the irked statement her press office made after she donned a controversial “I REALLY DON’T CARE, DO U?” jacket while visiting immigrant child detention facilities in June. “I wish people would focus on what I do, not what I wear,” she said.

Read more at The Daily Beast.

The Daily Beast — Fashion

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$500 Billion: Study Finds Parents Spend More on Adult Children than Retirement

Recent study insights reveal a telling tale of the extent of a parent’s love — and maybe even negligence — when it comes to their adult children. According to research, retirement security has taken a backseat for parents who are putting their children’s financial well-being ahead of their own future financial security, and they’re halting their golden-year plans just to make sure their offspring are thriving.

According to the study, “The Financial Journey of Modern Parenting: Joy, Complexity and Sacrifice” which was conducted by Merrill Lynch in partnership with Age Wave, parents today spend $ 500 billion annually on their adult children — ages 18-34 — double the amount they contribute each year to their retirement accounts.

More than 2,500 American parents were surveyed for the study which marks the third in a multi-year research series from Merrill Lynch and Age Wave, a company that studies maturing consumers.

“In this new era of delayed financial independence of young people, financial planning is no longer a solo or coupled activity,” Ken Dychtwald, Ph.D., CEO, and founder of Age Wave said in a news release. “It’s become an ongoing family project with longer and different social, housing and economic interdependencies than we’ve seen before.”

80% of parents say they would be willing to make a major financial sacrifice for adult children, including dipping into their savings or cutting back their lifestyles. 25% would take on debt or pull money from retirement accounts. The research also found 31% of early adults ages 18-34 live with their parents, but even if the child is out of the house, parents are chipping in on school costs, health insurance, rent, and car expenses. 59% expect to help pay for their children’s weddings, 26% expect to contribute to their children’s first homes, and one-third plan to contribute to their grandchildren’s college costs.

Despite the financial sacrifices, 93% of respondents said being a parent was the most rewarding aspect of their lives and 94% said raising their children — and the costs that come with doing so — has been worth “every penny.”

“When emotions and money become intertwined, parents risk making financial decisions that can compromise their — and their children’s — financial futures,” Lisa Margeson, head of retirement client experience and communications at Bank of America Merrill Lynch, said in the release. “Parents can navigate this difficult balance by setting clear boundaries about their level of support, fostering financial independence in adult children, and reconciling spending on children with long-term savings goals to avoid jeopardizing their own financial security.”

 

 

The post $ 500 Billion: Study Finds Parents Spend More on Adult Children than Retirement appeared first on Black Enterprise.

Money | Black Enterprise

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Smoke alarms using mother’s voice wake children better than high-pitch tone alarms

Researchers examined characteristics of four different smoke alarms to determine which ones worked best to wake children. The researchers found that a sleeping child was about three times more likely to be awakened by one of the three voice alarms than by the tone alarm.
Parenting News — ScienceDaily

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How the 2018 Latin American Music Awards Made History With More Girl Power Than Ever

2018 Latin American Music Awards HostsGirl power was the name of the game at the 2018 Latin American Music Awards.
In a historic move, the annual award show was hosted by not one, but five of Latin America’s favorite…

E! Online (US) – Top Stories

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Your bond investments may be more risky than you realize

If you have money in mutual funds you should be worried, but not only for the reason you think. Sure, the stock market is causing concern. So investors are right to keep a close watch on the performance of stock mutual funds. But while you are doing that, mutual funds that invest entirely or partially…
Business | New York Post

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Be better than Kanye: Use a password manager like this one that’s on sale.

TwitterFacebook

Let Kanye’s visit to the Oval Office be a cautionary cybersecurity tale: don’t set your phone’s passcode to 000000 (Really, Ye?) In fact, don’t set any of your passwords to a repeated assemblage of numbers or letters for that matter. Like ever.

Time and time again, security specialists have been nailing it into our heads the number one commandment of the digital age: change your passwords as frequently as seasons change, and make them sophisticated enough that they’re unhackable but straightforward enough that you can still commit them to memory. Frankly, that’s not always the simplest task, given that most websites require you to create codes that contain special characters, uppercase letters, or something bizarre like the exact value of Pi. Read more…

More about Password Management, Mashable Shopping, Shopping Stackcommerce, Tech, and Consumer Tech


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Trans People To Trump: We Are Tougher Than You

Chip Somodevilla/Getty

On social media and in front of the White House, through tweets and on the streets, the transgender community sent a message Monday: We will stay strong.

The protests were sparked by a Sunday New York Times report that the Trump administration’s Department of Health and Human Services had proposed a definition of “sex” that would, effectively, deny the existence of transgender people by narrowly defining the term’s use within existing federal civil rights legislation.

According to the Times, HHS has been urging other government agencies to adopt that same definition, with plans to present it to the Justice Department for review by the end of 2018.

Read more at The Daily Beast.

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

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Not exercising worse for your health than smoking, diabetes and heart disease, study reveals

We’ve all heard exercise helps you live longer. But a new study goes one step further, finding that a sedentary lifestyle is worse for your health than smoking, diabetes and heart disease.


CNN.com – RSS Channel – Health

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The T Rex’s tiny baby arms might have been way more useful than they seem

t rex arms

Running into a Tyrannosaurus rex in the wild would have been a truly frightening thing for just about any animal that roamed the earth between 65 million and 80 million years ago, and for an obvious reason. The mighty meat-eater was huge in size and had a mouth built to turn bones into powder. If it snagged you with its jaws you were probably going to have a bad time, but nobody was afraid of its puny little arms… or were they?

As Live Science reports, a new study presented at a recent meeting of the Society of Vertebrate Paleontology took a close look at how T. rex’s arms would have functioned, and it makes some bold predictions.

Continue reading…

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  1. Marvel star who died in Infinity War says ‘it’s only going to get worse’ in Avengers 4
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  3. This is the crazy new all-screen design that’ll reportedly replace the notch next year

The T Rex’s tiny baby arms might have been way more useful than they seem originally appeared on BGR.com on Thu, 18 Oct 2018 at 17:34:29 EDT. Please see our terms for use of feeds.


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U.S. Housing Starts Pull Back More Than Expected In September

After reporting a substantial increase in new residential construction in the previous month, the Commerce Department released a report on Wednesday showing a bigger than expected pullback in U.S. housing starts in the month of September.
RTT – Economic News

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WATCH: World News 10/12/18: Hurricane Michael Leaves More Than 1 Million Without Power

White man found guilty of assault after firing at lost black teen; A look back at Florida’s first responders after Hurricane Michael
ABC News: World News Tonight

SPECIAL NEWS BULLETIN:

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

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$500 Billion: Study Finds Parents Spend More on Adult Children than Retirement

Recent study insights reveal a telling tale of the extent of a parent’s love — and maybe even negligence — when it comes to their adult children. According to research, retirement security has taken a backseat for parents who are putting their children’s financial well-being ahead of their own future financial security, and they’re halting their golden-year plans just to make sure their offspring are thriving.

According to the study, “The Financial Journey of Modern Parenting: Joy, Complexity and Sacrifice” which was conducted by Merrill Lynch in partnership with Age Wave, parents today spend $ 500 billion annually on their adult children — ages 18-34 — double the amount they contribute each year to their retirement accounts.

More than 2,500 American parents were surveyed for the study which marks the third in a multi-year research series from Merrill Lynch and Age Wave, a company that studies maturing consumers.

“In this new era of delayed financial independence of young people, financial planning is no longer a solo or coupled activity,” Ken Dychtwald, Ph.D., CEO, and founder of Age Wave said in a news release. “It’s become an ongoing family project with longer and different social, housing and economic interdependencies than we’ve seen before.”

80% of parents say they would be willing to make a major financial sacrifice for adult children, including dipping into their savings or cutting back their lifestyles. 25% would take on debt or pull money from retirement accounts. The research also found 31% of early adults ages 18-34 live with their parents, but even if the child is out of the house, parents are chipping in on school costs, health insurance, rent, and car expenses. 59% expect to help pay for their children’s weddings, 26% expect to contribute to their children’s first homes, and one-third plan to contribute to their grandchildren’s college costs.

Despite the financial sacrifices, 93% of respondents said being a parent was the most rewarding aspect of their lives and 94% said raising their children — and the costs that come with doing so — has been worth “every penny.”

“When emotions and money become intertwined, parents risk making financial decisions that can compromise their — and their children’s — financial futures,” Lisa Margeson, head of retirement client experience and communications at Bank of America Merrill Lynch, said in the release. “Parents can navigate this difficult balance by setting clear boundaries about their level of support, fostering financial independence in adult children, and reconciling spending on children with long-term savings goals to avoid jeopardizing their own financial security.”

 

 

The post $ 500 Billion: Study Finds Parents Spend More on Adult Children than Retirement appeared first on Black Enterprise.

Money | Black Enterprise

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This is Why It’s Smarter to Buy Halloween Makeup at Ulta Than a Party Store

I’ll tell you this right now: Halloween is not my holiday of choice.

I usually spend the weeks leading up to Oct. 31 being a grump and refusing to dress up. Then, a few days before, I start feeling left out and just want to go to the party, so I piece something together.

It always ends up being expensive.

And I feel like a fool in a scrappy costume while everyone else is dressed as a clever pun with Pinterest-worthy makeup.

Not this year, my friends.

Although Halloween is on a Wednesday, I will be prepared — and I refuse to spend too much money.

A co-worker (who is a lot more makeup-savvy than I am — thanks, Kelsey) recently let me in on a secret: Buying “real” Halloween makeup at a cosmetic store like Ulta is actually a lot smarter than going to Party City for the “cheap” costume stuff.

No way, I thought. But, lo and behold, it really is a smarter decision. Here’s why.

1. “Real” Makeup Is Cheaper

This is where I was hung up. I know how much the little bit of makeup I wear costs, so the idea of buying legit makeup over the costume stuff didn’t seem like it’d be cheaper.

But you really can find cheaper Halloween makeup alternatives at Ulta — both in-store and online.

Plus, you can apply some hefty savings to your order if you know what you’re doing.

For example, you can get free gift cards to Ulta by taking surveys through Swagbucks (which will also give you $ 5 to get started).

Once you’re in, buy an Ulta gift card and shop Ulta through the platform. You’ll earn two Swagbucks (SBs) per $ 1 you spend. You can exchange SBs for gift cards.

For context, 2,500 SBs equate to a $ 25 PayPal gift card, good for all your online shopping pleasures.

However, as it turns out, many of the costume basics are a lot cheaper if you get them from somewhere like Ulta.

I compared a few items and their prices:

Fake eyelashes:

  • Sultry False Eyelashes: $ 4.99 at Party City
  • Ardell Glamour Multipack (of four sets): $ 11.99 at Ulta, totaling about $ 3 per set

Lipstick:

  • Gold Glitter Lipstick: $ 2.99 at Party City
  • Makeup Revolution: $ 2.49 at Ulta

Eyeliner:

  • Black Shimmer Eye Liner: $ 3.99 at Party City
  • Essence Kajal Eye Pencil: $ 1.49 at Ulta (also available in white)

Self-adhesive face jewels:

  • Adult Sea Siren Mermaid Makeup Kit: $ 9.99 at Party City
  • Lottie London Mermaid Self-Adhesive Jewels: $ 5.49 at Ulta (online-only)

Setting powder:

  • Colorless Setting Powder: $ 3.99 at Party City
  • E.L.F. Prime & Stay Finishing Powder: $ 2 at Ulta (online-only)

Bonus: Here are seven other ways you can save money at Ulta.

2. “Real” Makeup Is Better Quality

One year in middle school, I decided to be a clown for Halloween… Lord knows why.

I hate clowns, and my face was covered in paint, which caused my already acne-prone skin to freak out. I think there’s one photo of the incident floating around somewhere…

When I dressed as a scarecrow a few years back, my face was not happy with the swirls of red paint on my cheeks. Also, the red paint refused to come off — even with makeup remover — so going to class on Monday was an adventure.

One of the perks of using “real” makeup is the quality. The likelihood of your skin having an adverse reaction to the product is probably lower. Plus, the real stuff is usually built to stay on all day, so it’ll be less likely to slime off during your rowdy night.

3. “Real” Makeup Stores Better (and You Can Use It Again)

I held onto that red paint palette I purchased for my scarecrow costume, because it felt like such a waste to use the tiniest bit and toss it.

Moving out a few months later, I stumbled across it. It was totally dried out.

When you purchase legitimate makeup, it’ll store better — and longer. Actually, depending on the product, it’ll probably be fine until next year.

There’s also more of a chance you’ll use eyeliner than black face paint on any other regular day.

4. “Real” Makeup Has More Options

At Party City, you’ll probably find limited options for Halloween makeup. You’ll see the white face paint, the palette of clown colors and maybe two colors of lipstick.

The nice thing about opting for makeup from a place like Ulta is you have so many options. You’re also not locked into buying the five-pack of eyeshadows, for example. You can probably find a singular one you actually need (and will use again).

Plus, did you see all those lipstick options? Black? Green? Purple? Neon yellow?!

The best part is you don’t risk running into someone who used the same pre-packaged kit as you. You’ll be unique. And, really, that’s all that matters on Halloween — because it’s awkward to run into someone dressed the same darn way.

Carson Kohler (@CarsonKohler) is a staff writer at The Penny Hoarder.

 

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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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This ex of Kate Middleton’s made Prince William more jealous than most

Yes, really.

Kate and William holding hands
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Kate Middleton and Prince William are one of the most talked about couples in the world, from their happy family life with Prince George, Princess Charlotte and Prince Louis, to their relatable day to day habits at Kensington Palace – they’re just like us really!

The Duke and Duchess of Cambridge seem so happy in fact it’s hard to remember that there were ever rocky patches.

In 2007 however, Kate and Wills briefly broke up, with Kate even leaving the country to process the split, heading to Dublin with her mum and a group of friends to relax.

It has emerged however that also during their break up, Kate had a brief romance – and it is reported to have annoyed William more than most.

Why? Because it was with one of William’s Eton school friends, shipping heir Henry Ropner.

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It gets even more dramatic as Harper’s Bazaar Australia reported that William once dated Ropner’s ex back in the day.

Drama!

‘We were both very young,’ Prince William explained of the split in their 2010 engagement video interview. ‘It was at university, we were sort of both finding ourselves as such and being different characters and stuff, it was very much trying to find our own way and we were growing up.’

He continued: ‘It was just sort of a bit of space and a bit of things like that, and it worked out for the better.’

Kate certainly seemed to agree, explaining, ‘I think at the time I wasn’t very happy about it, but actually it made me a stronger person.’

The post This ex of Kate Middleton’s made Prince William more jealous than most appeared first on Marie Claire.

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