Aging Americans are a big market for tech investors, who also want to track their parents

Techies are finding new uses for consumer devices to help monitor their aging parents, who are increasingly opting to live independently.
Health and Science

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A money manager is urging investors to shift their portfolios out of stocks amid the rally

Russell Investments' Douglas Gordon is worried investors are too invested in stocks right now.
Top News & Analysis

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These 5 People Added up to 284 Points to Their Credit Scores by Making the Same Move

Everyone who’s saddled with bad credit has a unique story.

A man burdened with $ 6,000 in unpaid bills. A couple recovering from job loss and foreclosure. A woman who fell behind on payments while living abroad. A single mom with a terminally ill child. A young woman with so much debt she couldn’t even get a credit card.

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

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

Your credit report will give you this information. You can get a free copy of it once every 12 months from each of the three major credit reporting bureaus — but they can be tough to decipher.

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 what you should do about it.

Folks who’ve used it tell us it’s a lifesaver.

5 People Who Raised Their Credit Scores Using Credit Sesame

We spoke with five different people who’ve had profound problems with their credit. All five turned things around with Credit Sesame.

James Cooper: +277 Points

James Cooper knows all about having bad credit. As recently as 2017, his credit score was a lousy 524.

“I never had a credit card,” he says. “I had $ 6,000 worth of unpaid bills.”

He vowed to sort out his financial situation and fix his credit.

Although there are legitimate credit repair services, there are also shady ones that demand money upfront and promise way more than they can deliver. Then they’ll milk you for money until you wise up.

Cooper and a friend went through this ordeal with three companies. Then they found Credit Sesame, and the free credit monitoring service taught them how to fix their credit.

Cooper raised his score by 277 points — from 524 to 801 — over the six months from June to November 2017.

Inspired by his experience, now Cooper teaches high school students the importance of good credit.

Jerry Morgan: +120 Points

In 2008, the housing bubble burst. The three-bedroom home in New Port Richey, Florida, where Jerry Morgan and his wife, Vivienne, had lived for 10 years plunged into the foreclosure process.

Then Vivienne lost her job.

By 2017, the family’s financial situation started to look up again. So in September, Morgan decided to address his credit score.

“Frankly, with the experiences we have gone through, I was embarrassed to even check my score,” he said.

Before coming across Credit Sesame, Morgan hadn’t bothered to check his credit score in, well, quite a while. He says finally getting his finances on stable ground encouraged him to take a peek at this three-digit number.

Following recommendations from the service, he’s raised his score 120 points in six months.

Elisabeth Nyang: +168 Points

At the end of 2016, Elisabeth Nyang was in debt to the tune of $ 17,500 — a mix of credit card debt, overdue bills and lingering student loans. She found herself there after two years of living in China.

In China, where it’s difficult to send money to the U.S., Nyang fell behind on her payments. In hindsight, she admits, the difficulty in transferring money was just an excuse — out of sight, out of mind.

But when she decided to move back to the States, she knew she needed to get her finances back on track.

“I can’t live like that,” she remembers thinking.

Since signing up for Credit Sesame in January 2017, Nyang has paid off that $ 17,500 pile of debt and raised her score from 495 to 663. That’s a 168-point jump.

Melinda Smieja: + 284 Points

In 2005, Melinda Smieja’s 13-year-old daughter was diagnosed with a terminal brain tumor.

“So here I am a single mom, and my daughter gets sick,” she explains. “And I’m like, ‘What am I gonna do?’”

Between continuing to care for her younger daughter and moving from Seabeck, Washington, to Seattle to be near her 13-year-old’s medical care, she racked up credit card debt.

“I used [a credit card] for dinners, I used it for food,” she says. “For a place to stay. It got to the point where all of my credit cards were maxed out.”

Her credit score was down to 480 by the time she checked. And she’d racked up somewhere between $ 20,000 and $ 30,000 in debt on 11 credit cards.

In 2010, an email campaign led her to Credit Sesame, a new company (at the time) offering an easier way to monitor your credit history.

“It was something that I had been searching for [without realizing it],” Smieja explains.

It made her overwhelming situation manageable.

“I could look and I could say, ‘Okay, this is what’s all going on here. This is my debt. This is what’s happening. This is what’s making my credit [interest] high.’”

And she could finally tackle her debts, one at a time. The work wasn’t quick. It was slow and steady — but it paid off.

In 2016, for the first time, Smieja’s credit score hit 680, crossing the line of what lenders consider “good credit.” By late 2017, it was up to 764.

Dana Sitar: +68 Points

At 30, Dana Sitar’s history with credit cards, student loans and medical bills was pretty bad.

Student loan interest was piling up. Hospital bills were out to collection agencies. No one would give her a credit card. She landed a loan for a new car by the skin of her teeth. Her security deposits for car rentals and apartments were through the roof.

She wanted to fix it, but didn’t even know where to start.

Sitar, an editor for The Penny Hoarder, found Credit Sesame in 2016, and today, she’s breathing a little easier.

Credit Sesame, Sitar writes for The Penny Hoarder, is “answering all the questions swirling in my head, keeping me awake at night and threatening a panic attack every time I authorize a credit check.”

Since she started tracking her credit score with the app, she’s watched it rise — slowly but surely — by 68 points.

“Motivated by the easy access to my free credit report card through the app,” she says, “I haven’t been able to ignore my credit like I used to.”

Keep an Eye on Your Credit Score

Your credit score is important.

And why is that?

The better your score, the better deal you’ll get on a mortgage, car loan or credit card. We’re talking big money here.

To keep a closer eye on your credit, get your credit score and a credit report card for free from Credit Sesame.

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

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

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This MTV Show Has Stars Dating “Clones” of Their Celebrity Crushes and It Looks Absolutely Bonkers

Game of ClonesWe, the American people, have gotten our fair share of crazy reality shows over the years. From Joe Millionaire and The Swan to Boy Meets Boy and Married at First Sight. Now, MTV is here to try…

E! Online (US) – TV News

EMPLOYMENT SEARCH UPDATE:

‘Animal House’ Revived Frats—and Their Excesses

Alamy

Over 40 years ago the college fraternity system was practically on life support, when the brothers of Delta Tau Chi came to its rescue.

Fewer than 5 percent of male students belonged to frats in the ’70s. Then Animal House was released in 1979, and that film, about a hard-drinking, hard-partying group of tight-knit bros who made toga parties a national craze and were obviously having the time of their lives, contributed to an increase in Greek membership practically overnight.

“When Animal House came out, there became more of an expectation that college was a place to drink,” says Alexandra Robbins, author of the new book Fraternity: An Inside Look At A Year Of College Boys Becoming Men.

Read more at The Daily Beast.

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Dear Penny: I Want to Help My Elderly Parents by Buying Their House

This sounds like a super generous move. After so many years of turning to your parents for care and advice, this is, for many, the dream: to be able to return the favor. But caring for your parents in this way can have a lot of complications.

I called in help from two experts: financial adviser Stephanie McCullough, and financial adviser Andy Wang, who also hosts the “Inspired Money” podcast.

First: Can you afford to take on another mortgage in addition to your own? It’s worth spending the money to discuss the long-term impact of this move with a tax professional and an attorney, Wang advised.

McCullough took her warning even further. “If I were your financial planner, I’d be advising you to look out for yourself and your husband,” she wrote in an email.

Consider your upcoming retirement. What will happen when the paychecks stop and you have to start living on your savings? Look carefully at your cash flow and imagine what would happen if you or your husband lost your job, or became disabled prior to your target retirement date, she recommended.

Two technical matters Wang said to check on before moving forward: whether the loan is assumable, meaning you could take over mortgage payments by assuming the loan; and whether the loan has a “due on sale” clause that would require the loan balance to be paid upon transfer of property. The former might provide an alternative option for you, while the latter could lead you to pause on your plan to buy.

If there’s a reason you want to own the house beyond your parents’ tenure there — maybe it’s been in your family for some time — you’ll need to plan for that future, McCullough said. Unless you plan to eventually live there yourself, keep in mind that managing a rental from far away can be stressful.

Wang brought up one more “what-if”: the possibility that your parents could outlive you. “You’d also need contingency plans in case something were to happen to you to ensure your parents may continue to reside there,” Wang said.

What’s your real motivation here: to keep the house in your family, or provide financial stability for your parents? If it’s the latter, it may be worth thinking about alternative options to support them while ensuring your own long-term financial security.

Have a tricky money question? Write to Dear Penny and you might see your question answered in an upcoming column.

Lisa Rowan is senior writer at The Penny Hoarder, and the voice behind Dear Penny.

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

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

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Immigration concerns keep some parents from getting their kids health services

This decision to forgo care comes at a cost.
ABC News: Health

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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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Start-ups are selling kits for men to freeze sperm without leaving their home or seeing a doctor

Some start-ups are selling sperm freezing kits directly to consumers online, possibly creating a new market for sperm banking. Doctors warn consumers that freezing their sperm isn't necessarily as simple as it might sound.
Health and Science

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

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WATCH: World News 02/02/19: Major Storms Are Making Their Way Through California

Virginia governor refuses to resign after a racist photo in his yearbook surfaces; An all-female crew of fighter pilots flew in formation in honor of Rosemary Mariner
ABC News: World News Tonight

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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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Pressure intensifies on Northam to resign as key allies pull their support

Pressure was mounting on Virginia Democratic Gov. Ralph Northam late Friday to resign.


CNN.com – RSS Channel – Politics

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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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How millennials can contribute to their financial futures while supporting their values

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Millennials have made headlines for everything from their tendency to job-hop to their fondness for avocados. There’s a reason the media has a laser-focus on millennial habits: In the not-too-distant future, the spending power of this avocado-loving generation has significant implications for governments, NGOs, and businesses the world over.

Financial experts are keeping a close watch on millennial investment data to gain insight into what this generation cares about and how it affects their long-term choices. According to a UBS Investor Watch report, millennials are optimistic about achieving their financial goals — even though they tend to invest conservatively. They also express interest in sustainable investments. This suggests that they’re more likely to put financial support behind initiatives that generate environmental, social, and governance resultsRead more…

More about Uk, Business, and Big Tech Companies


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Natty Light is giving away another $1,000,000 to help grads pay off their loans

The cheap beer brand of choice for college students across the country has promised to give away $ 10,000,000 over 10 years to help pay off student debt.
Top News & Analysis

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Funny Reginae Carter Accepts A Name Challenge And Fans Are Laughing Their Hearts Out

The Shade Room had a funny challenge for their followers. You are supposed to say which is the worst pronunciation of your name. It seems that Toya Wright and Lil Wayne’s daughter, Reginae Carter stepped up and joined the conversation. Here’s what she said making fans laugh really hard.

Everyone knows these ‘nicknames’ that haters used to give Nae and that’s why this comes as a really funny joke which shows that Nae is smart enough to be able to make fun of herself.

Someone wrote ‘Resume might be my fav lol,’ and another follower posted ‘Stop playing nae😭😭I can relate tho Lynnee’👉🏾👉🏾Lynn Lenny Line LeAnn😩

Other than this, Nae seems to be doing okay these days, and she just showed her fans the detox secret that she’s using.

‘Okay guys, the real tea ☕since becoming a #teamipartner a couple of months back, I am literally obsessed with @teamiblends detox. I’ve really been working on my body and def struggled in the beginning. It wasn’t until I added @teamiblends detox that I saw killer results. I haven’t been bloated after meals, my stomach stays flat, and I’ve even lost a few lbs. Teami is an easy program you drink every day to get rid of that stuff your body shouldn’t be holding onto. Like carbs and drama 😂 use my code NAE20 to save 20%🤑 #thankyouteami’ Nae captioned her post on Instagram.

Someone wrote that ‘Skin is gorgeous love how u embrace your natural glow.’

Another supporter said ‘I love women with strong beliefs that lead to positive energy and doing the right thing.’

Recently, some new videos featuring Toya Wright’s daughter Reginae Carter and her BF made people displeased with her relationship with YFN Lucci.

People don’t like the way she’s acting when he’s around.

Celebrity Insider

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Jussie Smollett Hate Crime Investigation Update — Chicago Police Are Expanding Their Search, Unable to Find Video or Photos of Assailants

The Chicago Police Department has issued a statement with an update on their investigation into Jussie Smollett’s racist and homophobic attack. 

The FBI has taken over the investigation related to the threatening letter Jussie received last week, but as far as the actual attack itself police have been canvassing the area looking for surveillance footage.

TMZ reports that police visited a Target store near where the incident happened and they were able to retrieve some footage. A source says the footage shows just one person — presumably Jussie — walking down the street.

Anthony Guglielmi, Chief Communications Officer, tweeted that the department is expanding its search radius after being unable to find video or photos of the alleged attackers or any vehicles.

We’ll keep you updated as the investigation unfolds.

The post Jussie Smollett Hate Crime Investigation Update — Chicago Police Are Expanding Their Search, Unable to Find Video or Photos of Assailants appeared first on lovebscott – celebrity news.

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Alianna DeFreeze’s Family Sues School for Not Reporting Their Murdered Daughter Missing for 10 Hours

Courtesy The Alianna DeFreeze “Make a Change” Foundation

The last time Donnesha Cooper saw her 14-year-old daughter Alianna DeFreeze, she was “sprinting to the bus” on Jan. 26, 2017 to catch an early-morning tutoring session at school.

DeFreeze, a Cleveland seventh grader who had a developmental disability, “loved school and never missed a day,” often catching the first bus to arrive over an hour before classes started at E Prep and Village Prep Woodland Hills.

It was “freezing” on that particular Thursday, her mother recalled, which is probably why her daughter walked quickly down the street around 7 a.m. to her school bus when Christopher Whitaker, a convicted sex offender, “took her and brought her to an abandoned house nearby.”

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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Sophie Turner and Joe Jonas are taking their relationship to the next level

It’s happening!!!

Sophie Turner is one of the most talked-about women in the world, shaping up to be one of Game of Thrones’ most exciting success stories.

Whether she’s showing off her acting chops as GoT’s Sansa Stark or taking down Piers Morgan for his controversial views on mental health, the 22-year-old never fails to make viral news.

A lot of the speculation around her however centres on her relationship with fiancé Joe Jonas, with the couple announcing their engagement in 2017.

Ever since the news, the LA power couple has been ticking off relationship milestones left, right and centre.

From being each other’s wedding dates and becoming Instagram official to bonding with their future brothers and sisters in law, they’ve almost done it all. But it was this week, that the betrothed couple ramped it up a gear.

sophie turner following

Joe and Sophie were spotted house hunting in Los Angeles, adding fuel to the rumours that they were moving in together, something that would make sense, ahead of the couple’s wedding – set for this summer.

The ceremony is rumoured to be taking place in France, and there’s sure to be a lot of A-listers in attendance. We’re expecting at least a few former Disney stars and of course the extended Game of Thrones cast.

Congratulations to Sophie and Joe!

The post Sophie Turner and Joe Jonas are taking their relationship to the next level appeared first on Marie Claire.

Marie Claire

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Nas Says Kelis Moved Their Son To Another Country

The war between a former Mr. and Mrs. celebrity couple (Nas and Kelis) has been taken to another level all because Kelis has decided she wants to be a farmer in Columbia (yes, the South American country).

That revelation would be newsworthy itself, but what’s really getting our attention is the fact that she’s taken her son with her and her ex, Nas as is not at all happy about the situation. He says her actions are a violation of their custody agreement.

Here’s more via TMZ:

Nas is pissed off about a bunch of child custody issues — the biggest being Kelis’ plans to hightail to Cartagena. According to docs, obtained by TMZ, Kelis took 9-year-old Knight to Colombia last month. Nas says he was supposed to get their son on New Year’s Eve … but Kelis texted him to say the plan had changed. He says she didn’t come back to the states until Jan. 14.

Further, he says Kelis has told him she and her new husband have a farm in Colombia and she intends to stay there. Nas says she’s already withdrawn Knight from his private school in L.A. … and he says Kelis is currently homeschooling the kid in Colombia.

Nas says the whole South America plan is a huge violation of their custody agreement, because she didn’t provide the required notice about the travel.

As we’ve been reporting for the past year or so, even before she relocated to Comumbia, Kelis has been a nightmare when it comes to co-parenting, according to Nas. For instance, he says he didn’t get Knight on Father’s Day last year, and ditto for Halloween and Thanksgiving … which Knight is supposed to spend with Dad on even-numbered years.

The bottom line is that the Queensbridge rapper wants the judge to find Kelis in contempt for her multiple violations –he’s counting up to 17, according to the Blast.com – of their agreement.


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Evonne: “I Feel That My Girls Have Been Raped By Their Father” | Iyanla: Fix My Life | OWN

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

CHARITY UPDATE :

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

SPECIAL DONATION REQUEST UPDATE:

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

How Companies Secretly Boost Their Glassdoor Ratings

Employers flood the ranking site with 5-star postings requested from enthusiastic staffers, leading to unusual spikes, a WSJ investigation found. This is a conundrum facing many influential raters, including Amazon.com, Yelp and TripAdvisor, who have had to fend off attempts to game reviews.
WSJ.com: WSJD

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Democratic Candidates Kick Off Their 2020 Campaigns with an Apology Tour | The Daily Show

The Daily Show with Trevor Noah

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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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Prince Harry and Meghan Markle have gone millennial with their nursery decor

Royals – they’re just like us!

REX

Prince Harry and Meghan Markle are undoubtedly one of the most talked-about couples in the world, and from their sweet PDA to their willingness to break royal protocol, they never fail to make viral news.

The past few months however have been dominated by their future arrival, with the Duke and Duchess of Sussex expecting their first child this Spring, with fans speculating about an ‘April’ due date.

Fans are already making predictions on god parents, names and genders, but it’s the nursery preparations that have got everyone’s attention this week.

Credit: Matt Baron/REX/Shutterstock

Royal watchers have been waitings for details, and finally royal correspondent Katie Nicholl is giving some answers.

‘According to sources who are helping with [their new home] renovations, the nursery itself is going to be very modern,’ Katie reportedly told Entertainment Tonight. ’Don’t expect to see any baby pink or baby blue.’

She continued: ‘Apparently, it’s going to be a monochrome palette — whites and greys, I’m told, will be the colour theme for baby Sussex’s nursery.

‘They’ve decided not to find out the sex,’ she then went on to explain.

Prince Harry and Meghan Markle

This isn’t the first surprising move for the royals with regards to their baby, with Harry and Meghan also reportedly opting against welcoming their new arrival in the traditional Lindo Wing of St Mary’s hospital.

As for the rest of the details around the future royal baby, it looks like we’ll have to wait and see.

The post Prince Harry and Meghan Markle have gone millennial with their nursery decor appeared first on Marie Claire.

Marie Claire

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As more women in Silicon Valley freeze their eggs, some are building start-ups to make it easier

Women in big cities like New York and San Francisco are increasingly opting to freeze their eggs. But those who are among the early adopters see a big opportunity to improve the experience for the next generation.
Health and Science

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Less than half of U.S. youth discuss sensitive topics with their doctors

Fewer than half of young people in the United States are having discussions of sensitive topics with their regular healthcare providers, according to a new study. The research suggests that modifying healthcare delivery practices may improve discussions between youth and their healthcare providers.
Teen Health News — ScienceDaily

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Here’s A Major Hair Tip For Women That Like To Blowout Their Natural Hair

Loving care nourishes luxurious hair

Source: PeopleImages / Getty

Recently, I took a trip to Beleza Natural in Harlem to get my hair done. This Brazilian salon and haircare brand is bringing their techniques to the US and I got a first-hand experience with their products at the new salon. The one great thing about Beleza Natural is that they are serious about haircare and their stylists and technicians not only do your hair but also teach you about your hair. It’s incredible and perfect for the woman (like me) who always has a ton of questions when it comes to hair and haircare, particularly for my Type 4 texture.

Instagram Photo

My stylist, Shantelle Kelly was responsible for trimming my hair, blow drying, and providing me with a silk press that has lasted almost a week and through two workouts. (Seriously). Beleza Natural has a technique for everything. First: they only do curly cuts in the salon. Kelly explained, “a good thing about a curly cut is that you can see what’s going on with the hair.” I had only had a curly cut once before. I’m not sure I’m “sold” on curly cuts, but I’m not opposed to getting one done again. If you wear your hair in a wash and go, I would definitely suggest a curly cut or trim as you can shape your hair better.

Now, when you are blowdrying and flat ironing your hair, you want to protect your curl pattern. First off, use the blow dryer to get your hair as straight as possible. Think of the flat iron as the finishing technique, not the step to do all the work to get your hair straight. When you are blow drying your hair, your hair should be wet. Like wet, wet. Kelly was spritzing water in my hair before she started blow drying it. She explained, “Water helps to make the natural hair smooth and to stretch it.” Wow! Normally, after I’m out of the shower, I’ll t-shirt dry my hair, trying to get it as dry as I can, THEN blow dry it. Nope, nope, nope. That was a major hair no-no. I didn’t even know!

Danielle James' Trip To Beleza Natural

Source: Danielle James / Madame Noire

I’m a fan of Kelly’s technique. As you can see, my hair turned out smooth, silky, and lasted a week!

How do you prep your hair for a blowout and a silk press? Did you know this tip? Share in the comment section.

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Drill stars avoid jail after breaching ban on performing their music

Two prominent drill artists have been given suspended jail sentences for breaching a gang injunction designed to stop them performing songs which police said incited violence against rivals.
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The Average American Spends $798/Month on Their Car. 3 Ways to Pay Less

You love your car. It’s your ride. It fits your needs as well as your style.

But have you thought about how much you actually spend to have it? According to the U.S. Department of Labor’s report on Consumer Expenditures in 2017 (released in September of 2018), the average cost to own a vehicle — including purchase, insurance, gas and other expenditures — is $ 9,576 annually.

That’s $ 798 per month, folks.

If you spend nearly $ 800 on your monthly car expenses, you’d probably like to shave that number down a bit. You’re in luck. Use these three tips to save some of that money for the drive-thru window.

1. Get a Better Loan

When you bought your car, you probably got a loan to do it. No problem.

But you probably didn’t get the best interest rate, either. That means you’re paying more in interest that you should. That’s a problem.

With auto refinancing, the biggest hurdle is the process of re-titling your vehicle, which involves dealing with your local DMV. And, oh my god, who wants to mess with that?

Never fear — MotoRefi’s digital platform handles all that technical stuff so you don’t have to. In a matter of minutes, you could qualify for a lower monthly payment, lower interest rate or both.

MotoRefi partners with lenders — like community and regional banks — that can offer you the best rates. Once you choose a lender, MotoRefi handles all the paperwork, including the cumbersome re-titling process.

MotoRefi says it’s saving the average customer $ 100 per month or more. Checking for potential savings won’t impact your credit score.

MotoRefi is available in California, Connecticut and Michigan.

2. Kick Your Overpriced Insurance Premium to the Curb

If you have a car, you probably need insurance, right? Right. But that bill takes a big chunk out of your bank account each month.

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. There’s no getting around car insurance, unfortunately. 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.

Here’s how it works:

1. Head over to The Zebra’s search platform. Enter your car’s year, make and model, and your zip code. Continue on to answer questions about your driving habits, your car and your life.

On the right sidebar, you’ll watch rates increase or decrease based on your answers. For example, if you’ve gotten into an accident — that was your fault — in the past three years, your rates will kick up. It’s interesting to see what effect your answers might have.

2. After answering some questions, it’s time to compare. The Zebra gives you an “Insurability Score,” which is similar to your credit score except it’s for car insurance, and it  teaches you how to get better rates. The site also gives you different options for coverage.

Seriously, it only takes 60 seconds and you could save up to 50% on your premiums. If you’re paying that average of $ 118 per month, that’s $ 59 back in your pocket. Nice.

3. Pump the Brakes on High Gas Prices

If you’re a savvy saver, you probably already use GasBuddy to help you find the cheapest gas station in town. It’s an easy — and free — way to avoid overpaying.

But once you pull up to the pump, here’s something else you can do: Get a discount card from GasBuddy to automatically save 10 cents per gallon on your first purchase (and 5 cents per gallon after that).

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

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

It’s time to put the pedal to the metal on your monthly car savings. Step on it!

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

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

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Netflix has people (serenely) bulldozing their closets, and thrift stores are riding the wave

Do you have too much stuff? Is your house a loosely-joined collection of garbage piles among which you tread, as dazed and rudderless as a possum in a landfill? Are you tied to your material possessions because you have chosen to fill the empty parts in your life with consumerism and thus your soul is scattered among promotional t-shirts and expired tubes of body lotion?


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Netflix has people (serenely) bulldozing their closets, and thrift stores are riding the wave

Do you have too much stuff? Is your house a loosely-joined collection of garbage piles among which you tread, as dazed and rudderless as a possum in a landfill? Are you tied to your material possessions because you have chosen to fill the empty parts in your life with consumerism and thus your soul is scattered among promotional t-shirts and expired tubes of body lotion?


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To get their children mental health assistance, parents are forced to give up custody

Advocates blame decades of inadequate health care funding.
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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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In Their Freewheeling Movie Love, the Golden Globes Have Become an Agenda Setter (Column)

Seven weeks from now, could “Bohemian Rhapsody” win the Academy Award for best picture? You might say: It doesn’t have a snowball’s chance in hell. Or you might say: Okay, now that I’m thinking about it, maybe it has a tiny chance in hell. But what my gut tells me is that “Bohemian Rhapsody,” today, has a […]

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Pete Davidson and Machine Gun Kelly Take Their Friendship to a Basketball Game

Pete DavidsonPete Davidson and Machine Gun Kelly had another slam dunk of a day together.
The two friends and co-stars in the upcoming movie Big Time Adolescence sat courtside at the Denver Nuggets…

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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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Hubert de Givenchy, George H.W. Bush, Kate Spade, Stan Lee in Their Own Words

Hindsight, foresight, oversight — depending on perspective, all may apply to words spoken by some of the more established cultural figures who died in the past year.
Over the years, WWD sat down with numerous designers, politicians and writers to reveal their ambitions and obstacles alike. Here are a few of the more memorable lines spoken by some who helped to define the world we live in.
Hubert de Givenchy
“Mine is one of the most beautiful professions in fashion: making others happy with an idea.”
“Balenciaga was my religion,” Givenchy said, explaining that he assembled more than 1,000 dresses for the collection of the Spanish designer’s creations. “Since I’m a believer, for me, there’s Balenciaga and the good Lord. Balenciaga had a sense of construction of clothes. He did things that were intelligent, which isn’t the case today. People are interested in glitz.”
“Fashion’s over. There are bags and shoes that are more and more ugly. That’s all. There are perfumes and everyone talks of luxury. But for me, luxury is, in part, to be well-dressed.”
Kate Spade on starting her own company over dinner with her husband in an Upper East Side Mexican restaurant: “Andy said, ‘Why don’t you do handbags? You love handbags,

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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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Special Episode: Matt Tamanini and Alan Henry Count Down their Top 10 Shows of 2018

On this special episode from BroadwayRadio, Matt Tamanini talks with his BroadwayWorld colleague Alan Henry about their favorite shows from their 2018 theatre-going. Unsurprisingly, Matt and Alan did not have a single show that appeared on both of their lists. The pair also looked forward and talked about three shows read more
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The Lawyer Helping Social Influencers Protect their Passion and Profits

Although social influencers and content creators are a fairly new phenomenon, their ability to inspire an audience to take action makes them highly sought after by small businesses, mega-brands, and even Hollywood film studios. But creators should take note, with a growing demand for influencers, comes an increasing need to protect your inventions; images, as well as literary and artistic works. Thankfully, there are intellectual property attorneys like Shay M. Lawson. As an intellectual property attorney, diversity expert, and founder of the Advocate Law Group PC, she’s fiercely committed to protecting a person’s passion and profits through copyright, trademarks, and contracts. “The biggest mistake I see creatives making is assuming they’re ‘too small’ to be stolen from or copied,” says Lawson. Spend the few dollars on a copyright now so you can enforce your rights against thieves who will be sorry later.”

Unlike a traditional entertainment attorney focused on television, film, music, theater, and publishing, Lawson adds social media to her area of specialization. “I’m not your run of the mill entertainment attorney because what it means to be an entertainer and how that person generates revenue is always changing,” she says. “A single client who is a multi-platinum music producer could also be a YouTube sensation from making videos of his beats, or a style influencer for how she wears her hair. Understanding how all that needs to be legally protected is going to be completely different than any other type of trademark or contract lawyers are doing. I’m probably only a handful of lawyers that can tell you how much you should negotiate for a Tweet versus an Instagram post versus a Snap story versus a YouTube video, and put you in the best position to maintain ownership of the content you create when partnering with a brand for sponsored content. I can only do that because I am a part of the culture. I grew up with the creation of each of these platforms. So as unique as my client’s needs are, I am also uniquely informed on how to best protect them from a legal standpoint.”

From Lawson’s Instagram account

Coupled with Lawson’s passion for protecting intellectual property, is her commitment to advocating for social change. “I love the overwhelming unity among women in the entertainment industry in being a voice for survivors of sexual assault and domestic violence, especially among women of color,” she says. What I want to see in my industry, though, is accountability and real lasting change not damage controlled reactionary change for optics. My passion for this change has been channeled into an unexpected opportunity to work with Kitti Jones as a client. Kitti is a dynamic spirit that has leveraged her dark experience with domestic violence at the hands of a major music celebrity, to now be an author and the face of a national PSA campaign to spread awareness and resources to victims.”

Lawson also sits on the board of the Lee Thompson Young Foundation that provides mental health resources to students in Atlanta-area public schools. She’s a proud member of Delta Sigma Theta Sorority, Inc. where she chairs social action around issues such as voting during midterm elections. Plus she sits on the board of the Recording Academy, Atlanta Chapter as a Governor and co-chair of Advocacy where she has spent the past two years lobbying members of Congress on behalf of music creators to pass the Music Modernization Act.

Lawson’s dedication to the field speaks volumes about the power of representation. “I was inspired to go to law school by a group of environmental attorneys that came to my high school, she said. The attorneys shared their work on behalf of African communities being taken advantage of by American oil companies and corrupt governments. I actually focused my undergraduate thesis at Hampton University on Nigerian political theory and my graduate research on war crimes and international humanitarian law for the International War Crimes Tribune. So helping others and helping communities has always been on my mind. This translated into working in diversity and inclusion once I started my professional career. Any part I can play in empowering organizations to be the best and most inclusive version of themselves is a service to everyone and a cause I will always take up meaningfully.”

The post The Lawyer Helping Social Influencers Protect their Passion and Profits appeared first on Black Enterprise.

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The game of their lives was 25 years ago. They’re still replaying it in their minds.

The exploits of a high school football team can become small-town legend. For the Prestonsburg Blackcats of Eastern Kentucky, the 1993 season “was like something out of a movie, if you’ve ever seen ‘Hoosiers,’ ” one coach said. Reality, however, left more complicated memories.
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How Fortnite Triggered an Unwinnable War Between Parents and Their Boys

In less than 18 months, the last-man-standing videogame has grabbed onto American boyhood, pushing aside other pastimes and hobbies in a way few can resist. As games get smarter, and questions about screentime more urgent, parents feel outmatched.
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‘Widespread and dangerous’: Facing medical uncertainty, doctors tell patients it’s all in their heads

When 7-year-old Bailey Sheehan arrived at a hospital in Oregon partially paralyzed, a doctor said the girl was faking her symptoms to get her parents’ attention because she was jealous of her new baby sister.


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Americans are turning to dollar stores for their holiday shopping

Many Americans are looking to stretch the buck this holiday season by visiting dollar stores. A growing number of consumers — including the more affluent — say they will be shopping at dollar stores during the holidays, not because they are short on cash, but because the stores carry the merchandise they want, according to…
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Holmes & Watson’ Stars Will Ferrell & John C. Reilly Explain Their Ideal Dude Date | PeopleTV

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

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Bristol Palin’s Ex Is ‘Working on Their Relationship’ After ‘Teen Mom OG’ Diss

Backtracking like the best of them! Bristol Palin’s ex-husband, Dakota Meyer, continued to apologize for comments he made about her parenting abilities on Teen Mom OG.

“In regards to the comment on tonight’s @teenmom episode insinuating Bristol is anything other than a great mother is deeply regretted on my part,” Meyer, 30, captioned a photo of himself paintballing with Bristol, 28, and her son Tripp Palin — whom she shares with ex-fiancé Levi Johnston — on Monday, December 17. “Looking back and seeing my behavior does not represent the man I strive to be. Going forward I have made the commitment to Bristol to work towards a better relationship and putting our children’s best interests before my own.”

In a followup post on Tuesday, December 18, the Afghanistan veteran — who split from Bristol in February — posted a photo of himself in a hospital bed and revealed that he suffers from anxiety. (He has previously spoken out about this struggle with PTSD.)

Meyer’s comments come one week after he shared a similar sentiment about Bristol after facing backlash for calling Teen Mom OG “trailer trash” on social media and slamming his ex-wife and her costars for “sitting around [and] bitching about their ex’s.”

While the MTV star didn’t respond to Meyer’s remarks, she posted her own message about the show at the time and expressed her disapproval. “If I cared what people thought of me, I wouldn’t be here today — let’s be real. I’ve stood strong and held it down for my kids since day one. No matter how bad @teenmom tries to portray my ‘life’ … my babies, my family, my close friends — they know the truth,” she captioned a photo with Tripp and her daughters with Meyer, Sailor, 2, and Atlee, 19 months. “I’m a pretty great mom, work my ass off, show up, and hustle everyday to give my kids a pretty great life.”

She added: “@mtv doesn’t want to talk about faith, show work ethic, or juggling three kids alone, they don’t want to show the humble process of starting over after a divorce, building a career, or any real issues. All they want with my little segment each week is some fake fill-in Farrah Abraham/Jerry Springer BS, and it’s simply not true.”

Bristol confirmed in July that she’d be joining Teen Mom OG for season 7.

Us Weekly

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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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Pastor John Gray Defends Gifting His Wife A $200K Lamborghini For Their Anniversary

John Gray

Source: OWN

Ever since Lakewood pastor John Gray gifted his wife a $ 200,000 Lamborghini truck to celebrate their marriage vow renewal and anniversary, he’s been catching heat for it all over social media. Now he’s fighting back.

In an Instagram video taken at the celebration Sunday, Gray, now the pastor at Relentless Church in Greenville, South Carolina, led his wife to a bow-wrapped car and handed her the keys while saying “Lamborghini Urus.”

He wrote on Instagram Tuesday, “God helped me to make my wife’s dream come true. Why not? She’s made mine come true!” On Thursday in a Facebook Live video, Gray stated that vehicle was purchased with “not a nickel, not a penny” of his salary from the church or other church money.

Instagram Photo

He said he saved money for years and drew on a variety of sources financially including his second book deal and the fourth season of The Book Of John Gray, his television show on Oprah Winfrey‘s OWN network to pay for the vehicle. He also shared the story of how on his honeymoon eight years ago, he and his wife Aventer were so broke that they had to share a shrimp cocktail.

Aventer defended her husband on Sunday on Instagram saying, “I don’t see anyone screaming about how basketball players drive what they do while you paying $ $ $ to see them play in arenas and on fields. We don’t live for people! We love for God!”

She added, “[He] gives away cars, full houses of furniture, clothes off his back!”

Instagram Photo

 

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Parents’ brain activity ‘echoes’ their infant’s brain activity when they play together

Research shows for the first time that when adults are engaged in joint play together with their infant, the parents’ brains show bursts of high-frequency activity, which are linked to their baby’s attention patterns and not their own.
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Climate crusaders need to fix their gaping ‘democracy deficit’

In 2018, California recorded its deadliest wildfire in state history. The combined intensity and duration of the Atlantic and eastern Pacific oceans’ tropical storms and hurricanes reached a new high. A group of researchers reported that worldwide fossil-fuel-related carbon dioxide emissions are projected to hit 37.1 billion tons in 2018, yet another annual record. It’s…
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The Voice Coaches Join Jimmy Fallon and The Roots for a Must-Listen A Cappella Mashup of Their Hits

The VoiceThe Tonight Show starring Jimmy Fallon is back with another a cappella video featuring The Roots, Jimmy Fallon and none other than The Voice coaches Adam Levine, Blake Shelton, Jennifer Hudson and…

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Nigerian Girls Coding Their Way to a Better Future

Growing up, Abisoye Ajayi-Akinfolarin didn’t feel like girls were encouraged to pursue careers in STEM. Now, with Girls Coding, she’s focusing on teaching girls from disadvantaged backgrounds in Nigeria how to program, giving them a voice through technology. By investing in people, she’s building the next generation of mathematicians, doctors, lawyers and thinkers.

This Great Big Story was made possible by IBM Africa.


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Trump has become concerned over what he and his aides face once Democrats gain their oversight powers

While President Donald Trump and Nick Ayers were still in the middle of negotiations about him replacing John Kelly as chief of staff, Trump had already given Ayers a task. He wanted him to conduct a thorough review of how the West Wing operates, including evaluating staffing, in order to make it more politically focused over the next two years.


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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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Kate Bosworth’s Husband Got Her Name Tattooed on Him 3 Weeks into Their Relationship

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Offset’s Sidepiece Summer Bunni Wrote Some Struggle Bars About Their Relationship

Variety’s 2nd Annual Hitmakers Brunch

Source: FayesVision/WENN.com / WENN

For the foreseeable future, Offset will be looking mighty funny in the light after allegedly stepping out on his lady for women who are in Cardi B’s line of work but nowhere near her level of fame. Summer Bunni, the alleged mistress of Offset, apparently put together a track in honor of her relationship with the Migos rapper and insisting that she didn’t intend to be a homewrecker. 

The Blast reports:

Summer Bunni tells The Blast, she penned “Don’t Matter” over the summer when she was experiencing “mixed feelings” about Offset. “I just wanted to write about how I felt at the time,” Bunni says, adding that she felt her emotions were being neglected during her brief fling with the hip-hop star.

As we’ve reported, Cardi B shocked the entertainment world this week when she announced a split with Offset after claiming the two had been trying to make the relationship work for a “long time.” Shortly after news broke, text messages went viral appearing to show Offset was trying to organize a ménage à trois with Bunni and another woman, Cuban Doll.

Bunni is mortified that she has been labeled as a homewrecker and says she never intended to be a catalyst for rapper’s split. “I really thought he and I were for real,” Bunni admits, saying she sincerely hopes the “Bodak Yellow” star can accept her apology one day.

If you want to hear the track, you’ll have to wait to next Tuesday (Dec. 11) or check out The Blast‘s exclusive teaser on their site.

Photo: WENN

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HTGAWM’s Viola Davis and Aja Naomi King Reveal When They Feel Their Best

A little self-love and care goes a long way! Viola Davis and Aja Naomi King both spoke to Us Weekly about when they feel like their best selves and what goes into it. And the two actresses who star alongside each other in Shonda Rhimes hit show How to Get Away With Murder had similar sentiments to share.

Davis, 53, admitted she feels her most powerful when she’s just being herself. “When I can be myself and I am comfortable being myself, when I can totally be in the moment, that’s what makes me feel powerful,” she said at The Hollywood Reporter’s 27th Annual Power 100 Women in Entertainment Breakfast in Hollywood.

King has certainly taken note. “Viola is kind to every single person she encounters, the 33-year-old actress explained. “She loves to joke, she loves to dance. She is just fun to be around. I think it comes from self confidence. She’s not afraid of making a fool of herself. Not trying to pretend to be cool. She’s silly and just incredible.

For the two ladies to feel like their most authentic selves, they love to be surrounded by women who support them.

“A lot of times what’s aligned is if I’m in the company [of people] who understand and encourage my authenticity and a lot of times its me, just sort of talking to myself and honoring my inner voice,” she said at the Fiji-sponsored event.

As for King? “I value myself. I typically surround myself with people who value themselves. The way that I am with my friends. … I hope that everyone has that experience. To be surrounded by people who are like ‘Yeah, you’re special. You’re worth it,’” she told me Us at the L’Oréal Paris Thirteenth Annual Women of Worth Awards.

If the two ladies ever need that extra confidence boost, they’re all about taking a little time out for self-care. Davis’ activity of choice? “Epsom salt baths. Oh, my God. The best, absolutely,” she exclaimed. And King enjoys letting her mind rest for a moment. “Sometimes I get really stressed out. Stress wreaks havoc on the body. I’m trying to be more mindful about how I let things affect me … and just breathe through everything because a problem is only a problem if you make it one,” she explained.

Us Weekly

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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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First Look: Oprah with Gabrielle Union, Dwyane Wade & Their Baby | SuperSoul Conversations | OWN

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

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Peta Murgatroyd’s Christmas Present Involves a Naked Maksim Chmerkovskiy Decorating Their Tree

Maksim Chmerkovskiy, Peta MurgatroydChristmas arrived early for Peta Murgatroyd.
The Dancing With the Stars winner received the gift of her husband Maksim Chmerkovskiy decorating their Christmas tree dressed in his birthday…

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This Couple Made Enough Dough Baking Biscuits to Quit Their Teaching Jobs

Sometimes when an opportunity arises, you just gotta roll with it.

Jesse Thompson and Lee Valenti were school teachers who dreamed of opening a learning center they’d call Hey Giant Robot, but they needed a way to fund it.

They decided to raise money by baking biscuits to sell at a pop-up market within the learning center.

“We were thinking we could sell them and make a couple hundred bucks on the weekend,” says Thompson, 39, who recalls they’d bake 500 biscuits and sell them for $ 3 to $ 4 a pair. “But then every weekend, we were selling out, and people were lining up.”

Within three months, the couple realized they didn’t have a side hustle baking biscuits to support their learning center.

They had a biscuit-baking business.

“We decided to flip our model,” Thompson says.

Instead of selling biscuits out of the learning center, they housed the learning center inside a bakery.

The couple found a location in Tampa, Florida, that could handle both the baking and the learning. They retained a bit of their original idea for the establishment’s name: Hey Giant! Little Biscuits.

A year and a half later, the biscuit shop employs six to seven part-time workers and costs an average of $ 15,000 per month to operate — “right now our profits range somewhere in $ 3,000 to $ 5,000 a month,” Thompson adds.

Valenti, 41, quit her teaching job last year when the couple realized that she could match her $ 45,000 annual salary by running the shop.

“Starting out, it was the goal to make almost the same or, if not, just a little bit less than what I was making teaching,” says Valenti, who attributes much of the business’s growth to catering events. “We did that fairly quickly.”

This year, Thompson quit his job so they could open a second location.

The pair aren’t alone in trying their hands at baking — here’s another baker who turned her passion into a sweet gig. There are 7,757 retail bakeries in the U.S. as of the first quarter in 2018, according to the Bureau of Labor Statistics. That’s a 14.6% increase since 2008.

But that doesn’t mean the baking business was everything Thompson and Valenti dreamed of.

Our vision of what we thought running a biscuit shop would be like was completely different than what it actually is,” Thompson says. “You think, oh, this is going to be cool — make a couple biscuits, hang out all day and when it’s slow, just sit and read some books.

“No, there’s none of that — we’re constantly making food.”

And although the path was unexpected, Thompson and Valenti say that starting over with new careers isn’t as much of a pie-in-the-sky idea as you might think.

Recognizing an Opportunity

Details of a person preparing biscuits and baked biscuits

From the beginning, the couple set themselves up for the possibility of expansion — just in case.

“When we tested the waters with our pop-up, we said, ‘Let’s rent a space and get the licensing,’” Thompson says. “‘Because if this works out, we can keep going forward. And if it doesn’t, then we’re not out too much — it’s going to be a meager Christmas, but that’s it.’”

Investing time and money turned out to be the incentive the couple needed to make some big decisions early on.

It was too much work to be half in,” Valenti says, and Thompson adds, “If you don’t find some level of commitment, you’re less motivated to keep driving forward.”

Transferable Skills

A man greets a customers at a biscuit shop

Although neither had previous experience in the food-service industry, Thompson and Valenti did bring translatable skills from their previous careers.

We’ve relied on and applied our teaching methods and our classroom management,” Thompson says. “You have to deal with different types of learners, and that flexibility on the management side has helped.”

Serving up biscuits behind the counter during a mid-morning rush, the pair calls out to customers by name — looking a lot like teachers at the head of a classroom.

After spending most of their professional careers in teaching, Thompson admits the couple misses certain elements of their old life — particularly when they attended an open house at their children’s school and realized they wouldn’t be setting up their own classrooms.

“If you do a career for 15 to 20 years, like we have with teaching and education, you’re going to miss it,” Thompson says. “There are certain routines and certain ways of life that you’re just used to.”

But the biscuit business has also offered the creative control that was sometimes missing from teaching, Valenti points out.

“Teaching is creative, but for us, we needed another outlet of something we ran,” Valenti says. “The biscuit shop is cooking, but it’s also a creative outlet for us — where we design the place, we make the menu, we make the recipes.

“It really feeds something that both of us are always looking for.”

Not Losing Sight of the Goal

The couple may have discovered a great way to make some dough, but what about their original idea, the learning center?

Thompson describes their vision for the first location as a junky robot repair shop that kids could explore before entering the learning center hidden in the back.

“None of that was realistic,” he says with a laugh.

The learning center is instead housed in a room off the main bakery, hidden behind a sliding chalkboard door that announces Biscuit Specials like Mississippi Maple and Nutter Butter Fluffer Nutter.

Staffed by volunteers, the center offers free tutoring, writing workshops and art classes after the bakery closes for the evening and on weekends.

Thompson notes that, although they enjoy baking, he and Valenti still consider the shop a way to fund their learning center.

“Being part of the learning community and sparking creativity is kind of our ultimate goal,” Thompson says. “We love making biscuits, but if we could [operate the center] full time, we would.”

Taking a Chance on New Careers

A couple pose for a portrait

The couple agrees that, despite the risks of leaving steady teaching jobs for the uncertainty of the culinary world, they have no regrets.

“You have those conversations of, ‘Wouldn’t it be great if one day,’” Thompson says. “We decided this has to be that ‘one day,’ because if we don’t, three years from now, we’ll get back to ‘what if.’”

Valenti notes that by challenging themselves to learn something new and by being flexible about their options, they’ve had an opportunity they thought they could only dream of.

Thompson’s advice to others fantasizing about a new career? You’ll never know if you don’t try.

“You have to take that plunge,” Thompson says. “Just be open to where it takes you.”

Tiffany Wendeln Connors is a staff writer with The Penny Hoarder. Data journalist Alex Mahadevan contributed to this article.

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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Holiday shopping: The best toys for kids make use of their imaginations, not a screen

The AAP recently recommended a more hands-on approach to playtime for kids.
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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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As Tanzania’s LGBT fear for their lives, HIV will thrive

In one day, everything changed.


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How Miles Morales and the Spider-Verse Heroes Got Their Powers

Spider-Man, Spider-Ham, Spider-People. Sony’s brand new animated adventure, Spider-Man: Into The Spider-Verse, brings us a whole roster of Spider-Heroes that are getting their big screen debut. In each universe there’s a different version of the Spider-Man we all know, and this movie throws them all together. Expect crazy costumes, unique origin stories and a quest to save every single reality in the Spider-Verse. But who are these new Spider-Heroes and how did they get their powers?

Peter Parker



Let’s get the obvious hero out of the way, Peter Parker. Everyone’s friendly neighborhood Spider-Man. If after three different live action franchises, several animated TV shows and thousands of comics, you don’t know his origin, it’s quite simple. He was bitten by a radioactive Spider and has the ability to climb walls, sense danger and also has super strength. Jake Johnson voices an older Peter in the movie who’s been Spidey for quite some time.

Miles Morales



Voiced by Shameik Moore in the movie, Miles Morales becomes Spider-Man after the death of Peter Parker in the Ultimate Comics Universe. He’s bitten by a spider engineered with Peter’s blood after his death. The spider had crawled out of a bag carried by Miles’ uncle, Aaron Davis, when he visits Miles at his family’s apartment. Aaron Davis is also known as The Prowler, and had actually broken into Oscorp when the Spider crawled into his bag. Is it a coincidence The Prowler has a role in the movie? Definitely not.

In the comics, Miles originally wore a red and blue Spider-Suit like Peter’s, before being told it was in poor taste. Nick Fury gifts the young hero a black and red suit, cementing his role as the new Spider-Man.

Spider-Gwen



What if Peter Parker never became a hero, and the radioactive spider bit someone else in his class? Say hello to Spider-Gwen. That’s right, in an alternate universe Gwen Stacy becomes the wall crawler, and she’s known as Spider-Woman or Ghost Spider.

On Earth-65, Peter Parker wanted revenge against his high school bullies, and experimented on himself to become The Lizard. His fight with Spider-Gwen ultimately led to his death because of the toxic chemicals in his body. Talk about re-spinning the story…

Spider-Man Noir



Peter Parker is a light-hearted hero considering every tragic thing that’s happened to him. In the Marvel Noir universe, Spidey exists during the Great Depression in 1933, except he’s not that fun. When Peter begins working with Ben Urich at the Daily Bugle, he scopes out a shipment of stolen antiques. One of the antiques smashes, releasing a horde of spiders. When Pete’s bitten, he dreams of a Spider-God and later awakens with super powers.

After the deaths of both Uncle Ben and Ben Urich, Peter vows end organized crime in his city, and dons a black costume like every dark brooding vigilante. Lighten up Pete, it’s not all bad – you’re voiced by Nicholas Cage!

Peni Parker + SP//Dr



Are you a fan of huge fighting robots? Peni Parker might just be your new favorite hero. She’s a Japanese-American student adopted by Aunt May and Uncle Ben after her parents died. She’s inducted into a program where she pilots the SP//Dr robot by using a mental link with a radioactive spider. She fights huge monsters and also another robot called VEN#M. It’s like Pacific Rim meets Spider-Man, and we love it.

Spider-Ham



There’s no easy way to say it, the original Peter Porker used to be a spider before he was bitten by a radioactive pig, May Porker. He then became a pig with Spider-Powers, because that’s just how the Marvel Universe works. There’s no way of taking him seriously, and this is probably one of the silliest characters Marvel has ever produced. Even Howard the Duck has credibility!

His universe is full of other animal alternate heroes, like Captain Americat, Goose Rider and Black Panda. Luckily, John Mulaney will be playing Spider-Ham as silly as possible. Talk about saving your bacon.

The post How Miles Morales and the Spider-Verse Heroes Got Their Powers appeared first on FANDOM.

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The Winemakers and Champagne Houses Making Their Mark With U.S. Consumers Ahead of New Year’s Eve

Thanksgiving is all but a distant memory now. Black Friday and Cyber Monday, just fleeting moments as we make the usual motions through the holiday shopping season.

Amid all the consumerism is (sometimes) some yuletide fun, often shepherded by warm spirits, mulled wines, and–of course–bubbly bottles of Champagne.

Always an easy gift for a host or hostess at a holiday party, there are many new options for U.S. consumers to consider as a number of smaller (as well as familiar) French houses have started to bring their trademark sparkling wines across the Atlantic.

Champagne Pommery Blanc de BlancsChampagne Pommery

Champagne

Champagne Pommery: Newly released, the Pommery Blanc de Blancs is made from 100% Chardonnay grapes, sourced from the northern terrain of the Montagne de Reims and the hills of Nogent l’Abbesse. According to the winemakers, this particular terroir combination lends a special springlike freshness to the cuv?e. The bubbly offers subtle floral notes of jasmine as well as acacia, linden, and citrus fruit, notably fresh apple and yellow grapefruit. SRP: $ 67.

Champagne Nicolas Feuillatte’s signature One Fo(u)r bottles

Champagne Nicolas Feuillatte: Perhaps the most ready for your holiday f?tes that surely will end up on Instagram, Champagne Nicolas Feuillatte has a number of options to wow guests, starting with pint-sized Champagne bottles. (Maybe a bit gauche, but then again, no glassware that needs to be cleaned. Just toss in the recycle bin after). The single-serve bottles, in either the traditional Brut R?serve or Brut Ros?, also come with–wait for it–a wrist strap for making it easy to carry around the party. (Certainly solves the problem of where to put your drink while trying to eat at a cocktail party.)

For something a little more serious, but no less fun, are the 2018 Limited-Edition Champagne Nicolas Feuillatte “Enchanted Meadow” bottle with an elaborate holiday wonderland-inspired exterior as well as the very high-end Champagne Nicolas Feuillatte’s Palmes d’Or, one of the house’s finest crus aged for at least six years to advance the delicate flavor. SRP: $ 13 for the Signature One Fo(u)r 87-milliliter bottles; $ 36 for the Enchanted Meadow; $ 136-$ 200 for the Palmes d’Or.

Mo?t & Chandon ChampagneMo?t & Chandon

Mo?t & Chandon: As one of the world’s largest wine producers, Mo?t & Chandon isn’t taking the holiday season off. The 149-year-old house is releasing a limited edition series of”Art-de-Vivre” bottles, featuring iconic Parisian elements such as the Eiffel Tower and the Louvre as well as images synonymous with the brand, like a champagne tower and the logo neck ties. SRP: $ 39.99 for the Mo?t Imp?rial Brut; $ 49.99 for the Mo?t Imp?rial Ros?; and $ 59.99 for the Mo?t Nectar Imp?rial Blanc, touted by the house to be “tropical, exciting, and daring” with flavors of pineapple and mango.

Luc Belaire
Luc Belaire Brut GoldLuc Belaire

Sparkling Wine

Luc Belaire: Crafted by a 5th- and 6th-generation father-and-son team at a 118-year-old house in Burgundy, Luc Belaire might not be able to implement the official “Champagne” label given its geographical location, but it does reside in the heart of one of the world’s most well-known and respected wine regions. Produced from a blend of Chardonnay and Pinot Noir grapes, Belaire Brut Gold is a versatile option as its winemakers tout it as ideal for pairing with nearly any menu. To get a better idea of what you’re working with, the Brut Gold, the latest addition to the Luc Belaire portfolio, sports a hint of stone fruits (pear and peach) and brioche with a dry finish. For the dosage, Luc Belaire uses organic sugar cane, which the company says offers more structure to the wine while leaning on a style popularized during the 1920s. SRP: $ 30-$ 35.

Frank Family NV Brut RoseFrank Family Vineyards

Frank Family Vineyards: For something also outside of the traditional Champagne region but inspired by the style all the same is Frank Family Vineyards in California’s Napa Valley. The 2014 Sparkling Brut Ros?, a blend of 88% Pinot Noir grapes and 12% Chardonnay, is made in the traditional French method in which the secondary fermentation occurs in the bottle. The wine is then rested on the spent yeast cells for two and a half years before disgorgement. Almost millennial pink to its core, the Brut Ros? will likely impress oenophiles of any age or experience with wine thanks to its balanced palate of summery, fruit flavors (namely strawberry sherbert, orange peel, and red cherry) with a number of toasty and creamy nuances. SRP: $ 55.

“Prosecco Pie” by Ruffino and the Little Pie CompanyThe Little Pie Company

Something Extra…

Prosecco Pie: Not everyone is a sparkling wine lover. But what if I told you that you could consume sparkling wine–namely a very familiar Italian varietal–in…pie form? For over 33 years, Manhattan’s The Little Pie has gained a cult following–including with some familiar names like Oprah and Sarah Jessica Parker. This holiday season, The Little Pie Company collaborated with Tuscan wine producer Ruffino to produce a seasonal pie inspired by the apple and citrus flavors in the Italian winemaker’s signature Prosecco. The real star here is the topping to the pie rather than the filling itself, with strands of salted caramel criss-crossing a bed of brown sugar and warm apples. The pies are available in 5-inch and 10-inch sizes–the former of which comes with, naturally, a mini bottle of Ruffino Prosecco. SRP: $ 9.50 for the 5-inch version and $ 45 for the full-sized pie, plus shipping for delivery nationwide.

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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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Babies kicking in the womb are creating a map of their bodies

The kicks a mother feels from her unborn child may allow the baby to ‘map’ their own body and enable them to eventually explore their surroundings, suggests new research. For the study, researchers measured brainwaves produced when newborns kick their limbs during rapid eye movement sleep, finding that fast brainwaves — a brainwave pattern typically seen in neonates — fire in the corresponding hemisphere.
Child Development News — ScienceDaily

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

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This 30-Day Challenge Will Help Any Married Couple Conquer Their Money Woes

Congratulations! You’ve said your vows. You’ve thrown that bouquet (who knew Grandma could jump like that?). You’re even rocking a nice tan from your honeymoon.

Now married life really begins. Like it or not, your finances are a major factor in your marriage. According to Dave Ramsey, 86% of couples who got married in the last five years started out in debt.

It’s OK. Take a deep breath. We’ve put together a one-month challenge for married couples to get your finances in shape for your happily ever after.

Do you accept the challenge? If so, say, “I do” (again).

Day 1: Check Your Credit Scores

Your credit score is important, now more than ever. The better your score, the better deal you’ll get on a mortgage, rental deposit, car loan or credit card. If either you or your spouse has a less-than-ideal credit score, it’s time to start working on it.

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

Signing up for Credit Sesame will only take you a couple of minutes each, and it’ll even help you tackle any issues you see.

Day 2: Tackle Your Credit Card Debt

Sometimes “for better or for worse” includes taking on your spouse’s credit card or other high-interest debt. Don’t let it get you down. Instead, take those balances down in a smart way.

A good resource is consumer financial technology platform Even Financial, which can help match you with the right personal loan to meet your needs.

Even 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: Get Paid to Get Fit

Your honeymoon was full of buffets, decadent desserts and pina coladas. Totally worth it. Now it’s time to make up for those fun times.

There’s a cool company, HealthyWage, that will literally pay you for losing weight.

Here’s how it works:

  1. Read our full HealthyWage review, and sign up.
  2. Define a goal weight and the amount of time you’ll give yourself to achieve it.
  3. Place a bet on yourself ranging from $ 20 to $ 500 a month.

Depending on how much you have to lose, how long you give yourself to do it and how much money you put on the table, you could win up to $ 10,000!

Wondering if it can really work? We talked to one woman, Teresa Suarez, who lost 68 pounds — and made over $ 2,400.

The couple that gets fit together stays together, right?

Day 4: Budget Your Wedded Bliss

A budget is not fun, but you’ll be surprised at how freeing it can really be, especially for a married couple. You’ll know your limits and take the mystery out of your monthly spending.

The Empower app is a powerful budgeting tool that can help you figure out how you’re 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.

That’s right: It will show you just how many times you went out for dinner because it was your turn to do the dishes.

Day 5: Start Adulting With a Life Insurance Policy

When you’re married, you have someone else who counts on you. If you have a family, the last thing you want is to leave them without any financial support once you’re gone.

Getting a life insurance policy is a smart move — and it’s not as hard as it used to be.

Ethos, for example, can get you term life insurance in less than 10 minutes — with no medical exam — for coverage up to $ 1 million. Ethos offers a digital application, and customer service is available if you have questions.

It partners with a major life insurance carrier to quickly offer policies as low as $ 6 a month.

You don’t really want to think about “‘til death do us part,” but it’s a conversation you need to have. You’ve got this!

Days 6 and 7: It’s the Weekend! Find Free Stuff in Your City

What? You thought we’d make you work every day? Good marriages need room for quality time to have fun together, too, right? Just don’t spend a lot of money doing it.

From museums to community movie nights, there’s most likely a rich menu of 100% free things to do wherever you are!

Check your local newspaper or city website, and see what you can get into — without paying a dime.

Day 8: Find out If You’re a Power Couple

How do you compare to your peers? Are you the neighborhood’s power couple, or are you barely keeping up with the Joneses? It’s time to find out.

Status Money is an app that allows you to anonymously compare your financial situation with your peers without asking those awkward, prying questions. Link an account to tap into this database and you’ll be able to compare your income, debt, interest rates, credit score, spending… you name it.

By seeing how others are doing, you can see what you need to work on — or where you can sit back a little and just breathe easy.

Day 9: Wash Your Car, and Clean up Your Car Insurance Bill

You each have a vehicle. One took you on your first date. The other was topped with streamers and balloons on your wedding day. Now it’s time to give them both a good wash — and then clean up your insurance bills.

Yes. There’s no getting around car insurance, unfortunately. But one way you could save money is by shopping around and comparing rates at least once a year. 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.

Day 10: Make a Shopping List — and Get Paid

You probably shopped online before you were married. You won’t likely stop now, right? But now it’s even more important to save money where you can.

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

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

Day 11: Stock the Fridge and Pantry With Savings

They say that 90% of marriage is asking “What should we have for dinner?” That number may actually be a bit low.

One of the best ways to avoid this trap is to get ahead of it. If you plan your meals for the week and shop accordingly, you’ll be all set. You know what makes your meals taste even better than butter or salt? Savings.

Believe it or not, Ibotta will pay you cash for taking pictures of your grocery store receipts.

Before heading to the store, search for items on your shopping list within the Ibotta app. When you get home, snap a photo of your receipt and scan the items’ barcodes, and earn cash back.

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

Pre-planned dinner plus a pay day? That’s romance, right there!

Day 12: Put the Gold in Your ‘Golden Years’

When you said “I do,” you made a promise to make a future together. That future will look a lot better if you plan for your retirement right now.

If you’re like most people, you have no idea whether your 401(k) is on pace for retirement or just sputtering along.

Chances are, your 401(k) could be doing a lot better. Take control with help from Blooom, an SEC-registered investment advisory firm that can optimize and monitor your 401(k) for you and keep it speeding toward retirement.

It just takes a few minutes to get a free 401(k) analysis  that will show you whether your investments are allocated properly and whether you’re losing money paying hidden investment fees. It’ll even tell you just how much more money your account could earn by the time you want to retire.

After that, if you sign up, it’s just $ 10 per month to have Blooom monitor and maximize your 401(k). Bonus: Penny Hoarders get the first month free with the code PNNYHRD.

Think of Blooom like a mechanic constantly fine-tuning your car’s engine so it gives you the best possible performance and gas mileage. Except it’s your 401(k) — and your future.

Days 13 and 14: It’s The Weekend! Relax, and Grab a Glass of Wine

You’ve made great strides! Hey, marriage isn’t all work. Give yourself a break today. You’ve earned it.

Tonight, kick back, relax and enjoy each other’s company with a glass of wine. Of course, you don’t want to go overboard and spend a bundle on that bottle. Find a great bottle of wine for under $ 20, and toast to your financial progress.  

Day 15: Clear Your Clutter

Wow. Now that there are two of you, all of your stuff really adds up, doesn’t it? It’s not just the things you have two of, like ironing boards and disco balls; it’s clothes, shoes and furniture.

Set up shop, and make some extra money from the stuff you don’t need (and probably don’t have room for anymore).

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

Marriage tip: Only sell your stuff. Posting your spouse’s items is a one-way ticket to the dog house.

Day 16: Feel the Thrill With a Free Lottery

There’s something so satisfying about those gas station scratch-off tickets, but it’s better to avoid them because, well, that’s not Penny Hoarding.

Instead, try scratching for free using an app called Lucktastic. Each day, it releases a new assortment of digital scratch-off tickets. Lucktastic says instant wins range from $ 1 to $ 10,000. You can also earn tokens that you can exchange for free gift cards to retailers, including Amazon, Walmart, Kohl’s, Sephora and more.

You can even compete with your spouse. Who can win more tonight?

Day 17: Relax, and Watch a Good Show

OK, you’re ready for a little snuggle time. That’s fair.

Tonight, pop some popcorn, pour a cool beverage and plop down on that loveseat. But instead of watching a movie, earn some money by watching movie previews or other short videos.

InboxDollars lets you actually get paid 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: Get Money for Past Purchases

What couple couldn’t use a little extra money? Here’s an easy way to see whether you could get money back on purchases you’ve already made.

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

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

Day 19: Protect Your Nest Without Robbing Your Nest Egg

If you own a car, you know that you need to protect it (and yourself) with insurance. But did you really check out your options? You could be paying too much for your coverage. Shopping around for insurance can be time consuming, though.

Fortunately, a service called Gabi will do it for you, and you don’t even have to fill out any forms. Simply link your insurance account and provide your driver’s license number, and Gabi will go to work.

Once you link your insurance account to Gabi, it will:

  • Scan your existing insurance plan.
  • Analyze what coverage you have.
  • Compare the major insurers’ rates for that same coverage.
  • Help you switch on the spot if it finds you a better rate.

Gabi says it finds an average savings of $ 720 per year for its customers.

It is a true apples-to-apples comparison at the same coverage levels and deductibles you currently have. Once you sign up, you never have to shop again. Gabi’s software has your policy on file and keeps on monitoring for savings as your life changes.

Day 20 and 21: It’s the Weekend! Enjoy Free Stuff at Your Gym or Apartment Complex

If you have a gym membership or a fitness lounge at your apartment complex, you might be missing out on lots of luxurious freebies.

Think tanning beds, massage chairs or complimentary personal training sessions.

Get down there, and treat yourself!

Day 22: Take the First Baby Steps to Investing

Marriage makes you think about the future. A lot. A big part of preparing for your financial future is investing. Now that you’ve invested in that ring, it’s time to go further.

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.

Day 23: Optimize Your Credit Card Rewards

So you want a credit card, but there are too many to choose from. What to do?

Should you leaf through your junk mail and just accept one of those credit card offers that show up in your mailbox? That would be quick and easy, right?

No, no, a thousand times no! Don’t do that. That’s a good way to end up unhappily shackled to a credit card that’s all wrong for you.

At least one in five cardholders are carrying around a credit card whose fees and rewards don’t match their actual spending habits, according to a 2016 study from J.D. Power.

To help you avoid becoming a statistic, here’s our guide to everything you need to know about credit cards — including how to pick the one that’s right for you.

Day 24: Focus on Some Extra Cash

You and your spouse take the most awesome pics, right? If you have a smartphone and a photographic eye, making money might have just gotten a lot easier.

An app called Foap lets you turn your smartphone photos into cash.

Here’s how it works:

  1. Download the free app and create an account.
  2. Take a quality photo and upload it to Foap’s marketplace.
  3. Someone buys the license to your photo for $ 10. You make $ 5.

If your photo sells 20 times, you make $ 5 each time and end up with $ 100 in your pocket — all for about five minutes of work and probably a nice stroll in the park with your spouse. Pretty cool, right?

Day 25: Put Your Bills on a Diet

Good news: As a married couple, you’ll share bills. Bad news: They’re still bills.

The price of internet — and cable, if you’re still into that kind of thing — certainly isn’t decreasing. If anything, prices are steadily climbing.

And if you’ve had to chat with a representative from your internet/cable company recently, you know how long you can sit on hold.

That’s why it’s time to call in a robot. The negotiation bot Trim will negotiate your cable or internet bills down for you.

It works with Comcast, Time Warner, Charter and other major providers.

You can sign up simply with Facebook or your email address. Then, upload a PDF of your most recent bill, and Trim’s AI-powered system gets to work. If at first it doesn’t succeed, it’ll keep negotiating until it can save you some money.

Also, if you have any outages, Trim believes you deserve a credit, and it’ll handle that for you. Trim takes 25% of the savings tab, and you get the rest.

26: Go Window Shopping, and Earn Gift Cards

No extreme physical activity or pulled muscles required for this money-making trick that’s fun for couples. All you need to do is download the Shopkick app.

Once you sign up, the app pays you in “kicks” for walking into certain stores (including Walmart, Target, TJMaxx and more). You can redeem them for gift cards to a number of retailers, including Amazon, Target, Walmart, Starbucks, Sephora and Best Buy.

It pays you even more kicks for photos of receipts that include qualifying items you purchased in-store with a connected credit or debit card. You can also earn kicks for online purchases. You don’t have to do anything; your linked cards will automatically apply your kicks.

But don’t make the mistake of buying things you don’t need just for kicks, you know better than that.

Once you’ve earned your gift cards, you can enjoy them with a little quality time together.

Day 27 and 28: It’s the Weekend! Go to a Park

When’s the last time you went to the public park in your area?

You might be able to walk nature trails, goof around on a swing set, or just sit and watch the leaves fall. Take the time to simply be together and enjoy nature. It’s relaxing and relationship-building.

Day 29: Plan for a Bad Day. Seriously.

Few things stress marital bonds like sudden financial drama. A car breaks down. Someone breaks a toe, and medical bills pile up. The roof starts to leak.

The simplest way to avoid letting life’s little mishaps turn into financial disasters is to start an emergency fund. It’s simply a bank account with enough money to get you through a minor emergency or surprise bill.

But if you’re going to save, you might as well make some interest on that money, right?

An iOS app called Varo Money combines traditional banking tools with modern technology to help its customers become financially healthy.

Here’s the best part: Pair your Bank Account with a Varo Savings Account where you’ll earn 1.75% annual percentage yield. That’s nearly 30 times — repeat, 30 times — the average savings account, based on a 0.06% average reported by CNN Money.

Day 30: Play the Slots — and Earn More Interest Than at Your Bank

It’s Day 30!! Go ahead; relax, and play some games. But you’re not done helping your finances just yet.

The folks who created Long Game have you covered with a game that’s fun and helps you achieve your financial goals.  

As you save and accomplish missions, you’ll earn coins to play mini games for cash prizes. We’re talking the classics, like slot machines, scratch-offs and spin-to-win wheels.

Once you link your bank account, you’ll earn 300 coins, so you can start playing while you wait for payday. If you sign up before Nov. 30, 2018 and enter the code PENNY5, you’ll also get a bonus $ 5 in your account!

You Did It!

See, that wasn’t so bad, was it? When you start thinking long-term, you need to think about your finances. When you bring someone else into the picture, it becomes even more important.

Tackling a few of these items can help set you up for a much better financial future. That’s worth a month’s work, right?

Now… let’s talk about having kids.

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

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

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

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BEST DEAL UPDATE:

Sam's Club Membership Offer

J. Crew: 50% off Most Full Priced their site crashed on Black Friday Sale

TGIF = 50% off at J. Crew (exp Sun 11/25)

What the hell was that? The biggest shopping day of the year, an unusually high discount for the brand in question, a company that’s struggling… and their site crashes and burns?

I’m guessing not a lot of people in the J. Crew tech department was saying “TGIF” yesterday. Plus, that code would imply that it expired on Friday. When their site was in the gutter, twitching uncontrollably. But it DIDN’T expire yesterday. It expires today. Saturday, 11/24. So in case anyone still cares, and has any cash left you’d care to spend, here’s the best of the best from this rare half off sale at J. Crew. Now do me a favor and keep your darn site up and running today, okay J. Crew?

SUNDAY UPDATE: After more website trouble yesterday, J. Crew decided to extend this 50% off TGIF code through today (Sunday, 11/25.) It appears that the J. Crew website is stable. For now.

 

Goodyear Welted Kenton Leather Pacer Boots – $ 124 ($ 228)

Absurdly good prices for this in-house, Goodyear Welted boot. Lots of sizes at post time, which is kinda crazy considering the price. Indiana Jones boots for the not quite as well-off.

 

Ludlow Shawl-Collar Velvet Blazer – $ 149 ($ 298)

Ludlow Shawl-Collar Velvet Blazer

It’s too sexy! Look, velvet blazers aren’t for everyone, especially with that throw-back shawl collar, but now if you’re unsure? The risk has been mitigated by the major discount. Big fan of that dark green.

 

Rugged Merino Wool Shawl-Collar Pullover in Heather or Donegal – $ 49 ($ 98)

J. Crew Rugged Merino Wool Shawl-Collar Cardigan Sweater

Four color options. Basically the same sweater (at least it looks to be from here?) but one is considered to be heathered, and the other is donegal. Beats me.

 

Legacy Blazer in American Wool in Ludlow or Crosby Fit – $ 175 ($ 350)

Dappered.com

A total classic that’s not the frumpy gold-buttoned, hard shoulder kind that your boss favors on the weekend.

 

Ludlow Blazer in Herringbone English Tweed – $ 149 ($ 298)

Dappered.com

These always make the annual best sportcoats of fall post and for good reason. Softer tweed than what you might be envisioning. Less construction too. Half lined. Shown above is a 40R on 5’10″/ 185. Full review here.

 

New Balance for J. Crew 791 Leather Sneakers – $ 37.40 ($ 79)

Killshot knock offs! Wait, can you knock off one of your own collaborations with another collaboration? Doesn’t matter. They’re on sale, and thus, getting an additional 50% off. Crazy.

 

Slim American Pima Cotton OCBD – $ 34.75 ($ 69.50)

J. Crew OCBD

A classic OCBD that comes in a true slim fit and is made from American grown Supima cotton. Tons of colors to pick from. Yes, they’re made overseas, but the reviews are solid. Are there cheaper OCBD options out there? Absolutely. But not many now that they’re half off.

 

Rugged Merino Wool/Nylon Heather Crewneck Sweater – $ 34.75 ($ 69.50)

J. Crew Rugged Merino Wool/Nylon Heather Crewneck Sweater

A basic that you’ve got to admit is at a pretty solid price. Merino wool + nylon blend. Lots of colors to pick from.

 

Made in Italy MacAllister Desert Boots – $ 74 ($ 148)

Made in Italy MacAllister Desert Boots

Stitched out welt construction. Three versatile colors to choose from. A little slimmer than some bulkier desert boots. Really nice price for the made in Italy factor.

 

Oar Stripe Goodyear Welted Chelsea Boots in Italian Leather – $ 149 ($ 298)

Oar Stripe Chelsea Boots

Well? Someone was able to get through their site yesterday. Because these are close to sold out now. Still worth a check if you’re in the market for Chelseas. Shown above is the “burnished ruby.” Not sure how RED OH MY GOSH RED those are gonna be in person, or if they’ll be more of a chili or oxblood. Lots of sizes left on those.

 

Dock Peacoat with Thinsulate – $ 149 ($ 298)

J. Crew Dock Peacoat

J. Crew’s take on the classic Peacoat, now down for around Army/Navy surplus store prices. And these can compete with the real thing. Good wool, a bit of insulation, those hand warmer pockets are a huge benefit, and it’s slightly longer than far too many peacoats that chop the tail short.

 

Oar Stripe Leather Weekender – $ 199 ($ 398)

Oar Stripe Leather Weekender

I don’t know how the leather quality is on these things. Just one review so far, and it’s encouraging, but know that in the past J. Crew has been a little hit or miss on leather accessories.

 

Oar Stripe Canvas Weekender Bag – $ 124 ($ 248)

Oar Stripe Canvas Weekender Bag

A less expensive version of the all leather option. Less leather will do that.

 

Ludlow wide-lapel suit jacket in Italian worsted wool + slim or classic pant = $ 384.49

It’s the slimmer fitting Ludlow jacket, but with a wider more timeless lapel. The jacket is on sale, while the pants are not. So total still comes in under $ 400 for a versatile, “Harbor” blue suit separates pair that should serve you well. Crosby fit jackets are available, but sizing is limited.

 

Oar Stripe Italian Leather Derbys – $ 149 ($ 298)

Oar Stripe Italian Leather Derbys

The bluchers of their new Italian Leather collection. Goodyear welted. One fifty. Not bad for a basic shoe that’s about the shoe-iest shoe to ever shoe.

 

Windowpane Cashmere Scarf – $ 49 ($ 98)

J. Crew Windowpane Cashmere Scarf

A lot of brands push solid cashmere scarfs this time of year. And that’s fine and understandable. But it doesn’t take much of a pattern to set a scarf apart. And here’s the proof.

 

Cashmere Seedstitch Beanie – $ 39.75 ($ 79.50)

J. Crew Cashmere Seed-stitch Beanie

Speaking of small details that can set something apart, check out that stitch. All cashmere once again.

 

Goodyear Welted Kenton Cap Toe Boots – $ 124 ($ 248)

Kenton Cap Toe Boot

Still Goodyear Welted. Still an absurd price point thanks to the sale. But sizes are starting to get a little short here. Fast. Also shown at the top of the post.

 

Field mechanic jacket – $ 99 ($ 198)

A cotton, 3 season (or year-round if you live in a warm climate) classic. One of the better reviewed items from J. Crew’s line up.

 

Ludlow Suit Dinner Jacket in Camel Hair – $ 224 ($ 448)

Ludlow Suit Dinner Jacket in Camel Hair

A niche piece. But a really good looking one.

 

Wallace & Barnes merino wool cardigan sweater – $ 60 ($ 120)

I nice, slightly more substantial (but still not bulky?) looking cardigan from the upgraded Wallace & Barnes line. All wool here. Contrast “racked” stitching at the placket and at other stylistically strategic points.

 

Navy windowpane alpaca scarf – $ 39.75 ($ 79.50)

Super soft, Alpaca wool with a windowpane pattern. Light base with a dark windowpane, which flips the contrast script compared to most other windowpane scarves.

 

Letterman Jacket in Wool – $ 114 ($ 228)

J. Crew Letterman Jacket

What do you call a wool, colorblocked bomber? That’d be a letterman jacket. No letters necessary here either. Also available in a burgundy option that looks more campus-like thanks to a striped collar.

 

14-Wale Cords in SlimStraight, or Athletic Fit in Pacific Navy – $ 39.75 ($ 79.50)

J. Crew Cords

Yes you can find cords for less (see GAP), but some of you are pretty tied to J. Crew’s pant fits. All three fits available here. Lots of colors to pick from. Cotton with a bit of elastane for stretch.

 

Ludlow Unconstructed Wool/Cotton Blazer – $ 99 ($ 198)

Ludlow Unconstructed Wool/Cotton Blazer

No lining here except for the sleeves. A little less stuffy compared to a traditional, hard shouldered, gold buttoned navy blazer. Full review here. Also available in a grey as well as a tan “sandy dune.”

 

Wallace & Barnes Cableknit Crewneck Sweater – $ 55 ($ 110)

Wallace & Barnes Cableknit Crewneck Sweater

Not bad for an all wool, classic cable, not-quite-fisherman’s sweater from their upgraded Wallace and Barnes line.  For being such a simple piece, this thing has a lot of potential.

 

Merino Wool Wide Placket V-Neck Cardigan Sweater – $ 44.75 ($ 89.50)

J. Crew Merino Wool Wide Placket V-Neck Cardigan Sweater

Big fan of J. Crew’s merino cardigans. Nice material, available in classic or slim fit, and unlike much of the competition, there’s a good sized placket here. Thin cardigan plackets can look a little feminine sometimes. Just wish they made them in more colors. You can have it in any color you’d like… as long as it’s navy.

 

Lightweight Striped Wool-Blend Scarf – $ 29.75 ($ 59.50)

J. Crew Lightweight Striped Wool-Blend Scarf

Preppy without going overboard. And sometimes you don’t need that super thick muffler, but you still need a scarf to cover up that V at the top of your topcoat. These’ll do the trick nicely.

 

Wool Sideline Jacket – $ 149 ($ 298)

J. Crew Wool Sidline Jacket

It’s becoming sport for some millenials to rip on J. Crew in their reviews section. As is evidenced by the one review these things are getting. Look, two things can be true. This jacket could stink to high heaven, and the reviewer could also be a whiner. I don’t know. But $ 150 for this seems like a fair risk.

 

American Lambswool Bird’s-Eye Cardigan Sweater – $ 60 ($ 120)

J. Crew American Lambswool Bird's-Eye Cardigan Sweater

Looks a little less Mr. Rogers and a little more Gatsby’s next door neighbor Nick. Wool is sourced from the same mill that makes up the sweater blazer.

 

Ludlow Garment Duffle Bag – $ 124 ($ 248)

Ludlow Garment Duffle Bag

And now… some luggage for those who are gonna be travelling with a packed suit or sportcoats this upcoming season. Cotton canvas body, and unzips/unfurls so you can get your suit or jackets (and shoes and what not) to and fro while minimizing creasing and wrinkling risks. Yes, the zippers weren’t designed the best (read the reviews) but attaching a couple of pulls should solve that problem. And most bags like this will run you a heck of a lot more money.

 

Destination Topcoat in Water Resistant Italian Wool – $ 237.50 ($ 475)

J. Crew Destination Topcoat

Not gonna lie. This is a love it or hate it. (Yet I find myself, personally, somewhere dead inbetween?) This thing is a true knee length, while the rest of the topcoat world has been going just above the knee / mid thigh. And there’s NO vent in the rear. So it’s really… tubular? But what it DOES have going for it, is the middle to lighter weight but still warm and very nice feeling fabric. If you run hot? This is a great coat. J. Crew’s “destination” line is supposed to be a merging of classic materials and technology. So, think breathable, lighter-weight, etc. They say it’s tweed, but it’s soft. Not super rough. Hardly. Raglan style shoulders. Covered placket. Size shown above is a 42R.

The J. Crew 50% off lots of full price & sale stuff code TGIF is set to expire today, 11/24/18. Fingers crossed their website doesn’t crash again.


Dappered Style Mail

FASHION DEAL UPDATE:

Oprah At Home With Gabrielle Union, Dwyane Wade And Their New Baby Kaavia James

Gabrielle Union has been sharing the joys of new motherhood on social media and her fans are here for every moment of it.

The actress wants to be sure y’all aren’t out here butchering her daughter’s name, so she took to Instagram on Sunday to clear up one thing about baby Kaavia James — how to correctly pronounce her name.

“Just greazzzy and happy. That is all,” she beamed in a photo of her and her baby. “@KaaviaJames pronounced Kah-Vee-Uh James.”

Kaavia was born earlier this month via surrogate and has her own social media account with over 147,000 followers.

Instagram Photo

“We wanted to include my family in her name so the ‘James’ is from my uncle James Francis Glass who is also my godfather,” she added. “Union is her middle name. I’ve waited this long so fo sho I was gonna get in there.”

Union and her NBA star hubby Dwayne Wade introduced Kaavia to media mogul Oprah Winfrey, who interviewed the couple at their Los Angeles home for an episode of her show on OWN Network.

Gabby posted an image of them together on Instagram, along with the caption:

“From the Bottle to the Bassinet… No New Friends. Crew. Tight… So excited to share what we have been working on with @oprah & @kaaviajames ..Oprah at Home with Gabrielle Union, Dwyane Wade & Their New Baby”

Oprah’s show airs December 8 at 8PM ET/PT on OWN Network.

Instagram Photo

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HEAD BACK TO THE BLACKAMERICAWEB.COM HOMEPAGE

Entertainment – Black America Web

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U.S. sees humanitarian crisis as migrants arrive with kids who are not their own

Smugglers in Central America charge less if a minor is part of the cargo. Some parents have given up their children to other adults to help the adult enter the United States. These cases can be complicated. The families face hunger and threats, and there are disagreements about paternity and allegations of abuse.
World

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New York Parents Are Turning to Reiki Healers for Their Stressed Kids

Getty

Frankie Martucci is 13. For the past three years, he has kept a familiar nighttime ritual in his Upper West Side bedroom. Rather than scrolling Instagram or watching TV before bed, the teenager lies on his back, then places his hands on his head, stomach, and torso. Martucci practices reiki, a touch-based healing technique.

“It’s a nice way to relax and calm down for at least a half-hour,” Martucci said. “It gets all the bad stuff out of the way, and you think of nothing. It clears your mind.”

Frankie learned how to practice reiki around three years ago, after his mother, Tamara, brought him and his brother to Pamela Miles, a reiki master since 1986 and author of Reiki: A Comprehensive Guide.

Read more at The Daily Beast.

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Tisha Campbell & Tichina Arnold On How Their Friendship Flourished After Tisha’s Divorce | PeopleTV

PeopleTV

SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

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

Amber Davies has urged her fans to keep an eye on their drinks after hers was spiked

OHMYGOSSIP — Amber Davies has urged her fans to keep an eye on their drinks after hers was spiked.
The former ‘Love Island’ star was hospitalised on Friday (16.11.18) after reportedly collapsing in a pub and she admitted having someone slip drugs into her beverage was something she “never thought” would happen to her.
Amber is now recovering and feels “grateful” to be back home.
She shared a statement on her social media accounts which read: “Thank you so much for all your kind words.
“Getting spiked is something I never thought would happen to me, but I’m so grateful to be home and safe.
“Thank you to my family and everyone who helped me, especially Glan Clwyd Hospital.
“Reminder to never leave your drink out of sight.”
Amber had been out with a friend at the Plough Inn at St Asaph, North Wales, when she collapsed in a car park outside the pub, prompting staff to call for an ambulance.
An onlooker said: “At about 11.20 she was walking up and down the car park with a guy.
“She suddenly hit the floor. She was completely unconscious.
“People came out of the pub to help her and put her in the recovery position.
“She was screaming like she was in agony.
“Paramedics were asking people if she’d taken anything. But no one saw her taking drugs.”
Amber was taken to the Glan Clwyd Hospital in Bodelwyddan and treated for around three hours before she was allowed home.
Despite Amber’s belief her drink was spiked, the bar manager previously insisted he had “no reason” to think there had been drugs on the premises.
The Plough manager Dafydd Jones said: “I have no reason to believe drugs were taken on the premises.
“I will be speaking to North Wales Police with regards to the incident.”

Source: Female First
Find us also on Twitter @OHMYGOSSIP and @OHMYGOSSIP_USA

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Chad and Michelle Share Their (Different) Views on Gender Roles | Chad Loves Michelle | OWN

OWN

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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South Korea’s ‘Garlic Girls’ Have Accused Their Coaches of Derailing the Team

SEOUL, South Korea (AP) — The Garlic Girls, South Korea’s hugely popular Olympic silver medalist curlers, accused their coaches Thursday of ruining the team with abusive treatment in a dispute that has spoiled one of the year’s feel-good sports stories.The women’s claims, if confirmed, suggest a familiar tale of abuse, corruption and nepotism that has regularly marred South Korea’s highly hierarchical elite sports scene. Men often run South Korean sports efforts, and while the team’s head coach is a woman, men in her family, including her father, a former leading figure in South Korean curling, play a prominent part in the team’s accusations of abuse.

“We can no longer work with a coaching staff that is trying to divide the team,” Kim Seon-yeong said in a glum news conference in Seoul. The players also accused the coaching staff of skipping training sessions, holding back prize money and trying to force a married member off the team.

“We need a coaching staff that can train and lead us properly. We want to continue our curling careers and aim for bigger goals at the Beijing Olympics,” Kim said.

The news conference came a day after South Korea’s Sports Ministry and National Olympic Committee announced a joint investigation into allegations that became public after the athletes sent a letter outlining their complaints to sports authorities last week.

The five-member women’s curling team became an overnight sensation after their improbable silver medal run in February’s Winter Olympics in Pyeongchang, South Korea. They enthralled a country that barely recognized curling before they made their run and became sought-after spokeswomen in commercials. Their nickname is a nod to the famous garlic produced in their hometown in Uiseong, in southern South Korea, where they met and began playing together as teenagers.

In their letter to the Korean Sport and Olympic Committee last week, Kim Eun-jung, Kim Seon-yeong, Kim Cho-hee, and sisters Kim Yeong-ae and Kim Yeong-mi accused former Korean Curling Federation vice-president Kim Kyung-doo of verbal abuse and team coaches of giving unreasonable orders and subjecting their lives to excessive control. In Thursday’s news conference, the curlers said coaches instructed them what to say in interviews and closely monitored their private lives after training hours, scolding them if they met with athletes from rival teams. Letters and presents sent by fans “were already ripped open” before they reached the curlers, Kim Seon-yeong said.

“We can’t understand why the head coach had to rip open and check the presents and letters sent to individuals before they reach the athlete,” she said.

The curlers said the coaches withheld prize money and tried to sideline the married captain Kim Eun-jung after learning of her plans to start a family. They said the coaches also tried to force Kim Cho-hee off the team ahead of the Olympics to open a spot for head coach Kim Min-jung to participate as an athlete; they also said they had to endure a tirade from Kim Kyung-doo after they decided to stick with their teammate.

Kim Kyung-doo and his family had extensive control over the team with his daughter, Kim Min-jung, being the head coach and his son-in-law, Jang Ban-seok, the mixed doubles coach. The curlers organized the news conference after the coaching staff publicly denied the accusations.

“We had thought we could go together with that family, but after going through the Olympics, it became clear to us they were a family that cared only about themselves,” Kim Eun-jung said in the news conference. “They don’t want the athletes to grow and get better. … They don’t want the athletes to become bigger than the organization.”

Jang denied funds were withheld from the athletes, saying the team had agreed prize money would be spent on overseas training and competitions, but Kim Eun-jung said the curlers were kept in the dark about how the money was used.

“We were already receiving (state) training funds as members of the national team, and we couldn’t understand why the prize money was not being distributed to us,” she said.

Sports – TIME

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Women are posting photos of their underwear online in response to this shocking Irish rape trial

#ThisIsNotConsent

REX

Words by Niamh McCollum

Activists in Ireland have taken to social media to post photos of their underwear after attention was drawn to a female complainant’s thong during a rape trial in Cork, Ireland.

In the female defence barrister’s closing speech, she asked the jury to consider the 17 year old’s choice of underwear during their final determination. She stated: ‘You have to look at the way she was dressed. She was wearing a thong with a lace front.’

The accused was subsequently acquitted.

The events of this trial have led to outcry across Ireland, with many women engaging in a viral social media campaign, surfacing on Twitter and Instagram.

Under the hashtag #ThisIsNotConsent, women have been posting photographs of their own underwear in all shapes, colours and materials.

The campaign is to protest the use of such a technique in court, which allows for victims’ underwear to be passed around as evidence.

Here are some of the most powerful images we’ve seen from this vibrant campaign…

The hashtag was created by a Facebook group called Mna na hEireann (Women of Ireland).

Attention was also drawn to the issue by Irish politician Ruth Coppinger, who held up a lace thong in the Irish Parliament during Leader’s Questions yesterday.

While holding the blue lacy underwear, she said: ‘It might seem embarrassing to show a pair of thongs here…how do you think a rape victim or a woman feels at the incongruous setting of her underwear being shown in a court?’

Since when did the shape or material of a woman’s underwear determine the issue of consent?!

Fiery females of Ireland, roar louder!

The post Women are posting photos of their underwear online in response to this shocking Irish rape trial appeared first on Marie Claire.

Marie Claire

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Parents shouldn’t worry if their infant doesn’t sleep through the night by a year old

The authors of a study found that a large percentage of healthy babies don’t start sleeping through the night even at a year old. The research team also examined whether infants who didn’t sleep for six or eight consecutive hours were more likely to have problems with psychomotor and mental development, and found no association. The researchers also found no correlation between infants waking up at night and their mothers’ postnatal mood.
Child Development News — ScienceDaily

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The publisher of a neo-Nazi website said white nationalism was a winner in the midterm elections, while others cheered Trump as their champion

• Police investigate Wisconsin high schoolers posed in apparent Nazi salute


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The Big Picture: How Two Muralists Make a Living With Their Art

Bekky Beukes had a plan for completing her mural in a week.

As one of 17 local and visiting artists invited to St. Petersburg, Florida’s annual SHINE Mural Festival, she had carefully plotted how she would spend each day — and how she would make up for the time she would miss at her day job.

Beukes works three 10-hour days each week designing marketing materials for a nearby community college. She gets up early, tacking a list of the day’s priorities (no more than three) above her desk at home, which overlooks a thicket of palm trees.

A woman paints
Beukes paints her mural during the SHINE Festival in St. Petersburg, Fla., on October 6, 2018. Chris Zuppa/The Penny Hoarder

She lives just a few blocks from a rented garage that serves as her studio. It has electricity, but no running water or bathroom. There, she paints, using oils on large canvases to represent the opposing pulls of light and dark.

Her dual creative roles are just one example of what it takes to make it as a working artist. We spent the SHINE Mural Festival with Beukes and another artist to find out how they fight the stigma of being a starving artist. In the process, we learned what it takes to create a mural from scratch on a tight deadline.

Beukes, 34, started painting when she moved to the Tampa Bay area from South Africa in 2014. The former fashion designer didn’t have a work permit yet, so she returned to painting, an art form she had loved as a child, to keep busy in the meantime.

She quickly realized painting could be more than a hobby — it could also be the cornerstone of her professional life in her new home. But doing so takes a balance that requires early mornings and late nights. And sometimes, as was the case during during SHINE, it means working overnight in the rain, on a scissor lift perched 15 feet off the ground.

She knew it would rain. She planned for rain. She didn’t plan for the possibility of a hurricane.

Taking the Leap as a Full-Time Artist

An artist poses in front of his portrait
Gibbs Rounsavall poses for a portrait at his mural on October 13, 2018. Rounsavall and his family live in Louisville, Ky., where he taught high school art for 12 years. He made the career leap to being a full-time artist in May. Chris Zuppa/The Penny Hoarder

Just six blocks away from Beukes’ mural site on the side of a brewery, Gibbs Rounsavall of Louisville, Kentucky, got up before the sun each day to spend hours working quietly on his wall before spectators started to drift by.

There was no shade on the side of this warehouse that sat within sight of three other mural projects. Rounsavall, 43, had only about 8 feet of clearance between his work surface and a busy intersection.

He has only been a full-time artist since May; he worked as a high school art teacher for 12 years while painting geometric abstract art on the side.

“I kind of fell into teaching because it allowed me to continue developing my craft,” he said while painting a long carnation-pink stripe one day, sweat dripping at his temples. “I knew that whenever the day came when this became a more demanding schedule that I would take that leap.”

He misses teaching sometimes, but diversifying his artwork allowed him to develop his business over the course of those years. He said he was making a salary in the high $ 50s as a teacher but increasingly painted commissions along with gallery art. A lot of his work is corporate art, perhaps for a new restaurant. He recently sold a piece to be displayed at the Kentucky International Convention Center.

“I think a lot of artists have to do that if they want to make a living at it, to diversify,” Rounsavall said. For a few years, he’s been selling fine-art prints of select pieces that have already sold. The prints cost around $ 225 and provide access to his art for those who might not have the budget — or space — for one of his original oil paintings, which can cost anywhere between $ 450 and $ 8,000.

Crunch Time, All the Time

 

Beukes has been exhausted for months.

She delivered two big projects at her design job this year. She also had two solo art shows, which she planned herself down to the last detail. One of those work projects overlapped with preparations for one of the art shows, adding to the stress.

“I just feel like I’m under pressure all the time,” she said. “Obviously, because I’m delivering. I have obligations. I get it done.”

Beukes’ twin career paths allow her to be creative in different ways, but the schedule is starting to wear on her. “I don’t have space for normal human things, you know?” she said plainly. “Like, my relationships are affected. I don’t have social… I have everything allocated.”

The studio can be lonely, with only the paint and maybe some music for company. But at the mural site, it became obvious how full Beukes’ life is. Friends and fellow artists gathered on lawn chairs set up at the base of her mural, sometimes late into the night, when she worked by way of a portable work lamp and one flickering street light.

She already knows that 2019 needs to be a different kind of year: one with more studio time and fewer shows; one with streamlined work projects and resisting the urge to always say yes.

“There’s no space for panic,” she said a few weeks prior to the festival.  

But a few days in, it was a matter of getting the colors right on the wall. This wasn’t her first large mural, but it was her first using acrylic and spray paints, mostly unfamiliar territory. Her forearm started to cramp after about a half-hour of pressing the trigger on a can of gold spray paint to add dimension to an angel’s wings on one side of the mural.

In a moment of frustration, she decided she didn’t like the gold armor on the other figure’s shoulder, and painted it over with black. When it dried, she started that part over again.

When asked how the deluge of rain from the passing outer bands of Hurricane Michael affected her mural progress midweek, she barely blinked. “It’s crunch time,” she said. “I did 12 hours yesterday.”

Riding the Self-Employment Wave

Gibbs (left) and his wife, Sara, work on his mural.Gibbs left his job as a teacher last May to work on his art full-time. Chris Zuppa/The Penny Hoarder

This was Rounsavall’s first mural project with time constraints. “It forces you to change the process,” he said.

His mural, “A New Day,” started to come together once his wife, Sara, joined him midweek. Their two children were back home with their grandparents, and Sara, a food stylist, jumped at the chance to join her husband on the road.

She’s been a freelance artist for five years. The stability of Gibbs’ teaching job made it feasible for her to build up her business, Sara said. Now it’s his turn to take a career leap.

Resting in a sliver of shade one steamy October afternoon, Sara explained that health insurance was the biggest question they considered before Gibbs stopped teaching. The two sole proprietors considered forming an LLC, then tried COBRA insurance when Gibbs left his job. But the first COBRA bill made Sara scream. They’re on an Affordable Care Act insurance plan now, although she admits that even with a tax credit, it’s expensive.

Under the large brim of her hat, Sara smiled, admitting that while she’s not a numbers person, she’s the family’s chief financial officer by default. She described their family as “aggressive savers.” As a self-employed person, she was used to receiving irregular payments instead of predictable paychecks. She and Gibbs spent a lot of time going over the numbers before he decided to focus on his art.

“We talked about, ‘How much [does Gibbs] need to contribute?’ in a 12-month breakdown,” she said. “Then what? Well, maybe one painting could float his contribution for three months. Or you sell X paintings per year. Or you do X murals per year.”

Going over different scenarios helped the couple identify the realities of their cash flow as two full-time, independent artists.

“You learn to ride the wave of this work style,” she said. “The phone’s going to ring or it’s not going to ring. And if it’s not ringing, I know how to hustle.”

When the rain came, as it did almost daily, the Rounsavalls took cover under a neighboring business’s back-alley carport. When the clouds cleared and they heard another artist’s lift starting up again, they knew the raindrops had started to dry.

The Instagram Effect

Beukkes paints her mural during the SHINE Festival into the night on October 6, 2018. Chris Zuppa/The Penny Hoarder

Beukes’ first painting measured 5 feet square and sold for $ 5,000.

“I didn’t feel anything about putting big prices on the work after that,” she said. “I did not mind selling the work for what I believed it was worth considering the amount of time I put into the work.” Starting with high price tags has allowed her to maintain those rates, she explained.

“It’s very difficult to sell art,” she said. “But there’s a way to do it, and you have to believe in the work.” Putting a $ 100 price on a painting that took hours, she explained, makes it difficult to sell a painting later for $ 1,000. She hasn’t sold an original piece for less than $ 750.

Beukes, Rounsavall, and the rest of the SHINE artists each earned $ 1,000 for their murals, a fraction of what they might make for a private commission. But the St. Petersburg Arts Alliance also covered travel, lodging, supplies and most meals for each artist during the festival. The invited artists know that having a new mural in a busy downtown area can provide a major visibility boost.

(Left) Beukes paints; (right) her hand is covered in gold paint.

“The respect flows two ways,” Beukes said. “It’s an honor to be a part of something like this.”

For more than a week, she was an ambassador at her mural site, readily jumping off her lift to answer questions and chat with local children.

And then there’s Instagram. During the festival, art fans posed in front of mural sites and visitors asked for selfies with paint-smeared artists at all hours of the day.

“The whole world can come into my studio,” Rounsavall said of the power of social media. “They can see what I’m doing… it’s definitely made it easier to reach people, make connections and have that turn into work.”

Social media, he said, “Has changed my whole career.”

Just One Human

A businesswoman poses for a portrait with her laptop.
Beukes poses for a portrait at Hillsborough Community College in Ybor City on October 25, 2018. Beukes is a professional artist who works three 10-hour days for the college designing marketing materials. This frees days to produce art. Chris Zuppa/The Penny Hoarder

Beukes wonders if she’ll have to choose one side of her career over another at some point.

Her day job gives her stability; her art rounds out her creative fulfillment.

“It’d be great to be able to find something where I’m able to combine the two, and maybe that’s my solution,” she said. “Yes, I want to do a million things. But… you have to remember that you’re just one human, and I think that’s something that’s very difficult for me to do.”

Toward the end of the week, she seemed to be as well versed in driving heavy machinery as wielding a paintbrush or spray can. Her oversized sunglasses with mirrored, rose-colored lenses hid how tired she was. She admitted that about two hours of sleep in the early morning hours was all she was getting. But it was easy to see her mural site was where she wanted to be.

When it’s over, she’ll go back to work for a few days, then back to her studio in the heat. But first, “I just have to be able to say, at the end of every single day, ‘are you completely spent?’ Because that’s how I measure whether or not I’ve done my best,” she said. “We’re covered in paint, we’re done. Great day. Good day. And that’s it.”

Always the Hustle

A woman paints a mural
Sara Rounsavall helps her husband, Gibbs, work on his mural. Both Sara and Gibbs are self-employed; he as an artist and she as a food stylist. Chris Zuppa/The Penny Hoarder

Rounsavall is the broker, the negotiator, the shipping specialist. “You have to be everything,” he said. “A lot of people don’t understand all that goes into [creating art].” But there’s more to it than sitting down in front of a canvas and waiting for a muse.

He hopes that one day grants will fund more of his work, but he acknowledges that the process of applying for opportunities takes time and energy alongside his day-to-day tasks.

“Am I making what I put into it?” Rounsavall asked the wall as he paused before painting another stroke. “Absolutely not. I would love to get to that point, but I don’t know. If there’s a lucky artist out there that is compensated for all the work they put into it, I hope they’re aware of how lucky they are. All that behind-the-scenes stuff, it just adds up.”

Without a salary to rely on, he has to be able to count on his craft. “There’s still pressure. There’s always going to be the hustle,” he said. “But when it’s something like this that I’ve been working on my whole life, you like the hustle. You’re all in for it.”

On the last day of the festival, he woke up at 4:15 a.m. to make sure he’d have time to complete his mural. He was greeted by two emails: a grant acceptance and an invitation to a juried art show in Louisville.

“It’s a ton of good news,” he beamed. “I’m going to take that momentum home with me.”

Lisa Rowan 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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As Pence kicks off his Asia tour, other countries have their own ideas for the ‘Indo-Pacific’

Before the Trump administration began calling for unimpeded commerce and an end to authoritarianism in the Indo-Pacific, both Japan and Indonesia already had their own policy ideas for the critically important region.
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How Marvel and Corporate Comics Are Failing the ‘Vulnerable’ Creators Behind Their Superheroes

Last month, novelist Chuck Wendig—the bestselling author of the licensed Star Wars novel Aftermath and its sequels—stood before a crowd at New York Comic Con and announced he’d be working on Shadow of Vader, a miniseries for Marvel Comics. A week later, on October 12th, Wendig made another announcement: he’d been fired. The reason given, Wendig wrote on his personal website, was “the negativity and vulgarity that my tweets bring. Seriously, that’s what Mark, the editor said…It was too much politics, too much vulgarity, too much negativity on my part.”

Wendig, an openly progressive and occasionally combative presence on social media, had been the target of a long-running harassment campaign* fueled by reactionaries in the Star Wars fan community. His books were review bombed; he dealt with SWATing attempts, harassment from bots and sock-puppet accounts, and creepy personal messages. “People have been trying to get me fired from Star Wars since Aftermath came out. Since before it came out, actually,” he told The Daily Beast in an email. “[Lucas Film Licensing] has always had my back, and with Marvel, my politics never came up. And I haven’t been shy about those politics—or about being vulgar, which has been part of my voice so to speak since my first novel, Blackbirds, which is a very vulgar book…I never received any warnings about my behavior.”

Read more at The Daily Beast.

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Kate Beckinsale spotted in Jack Whitehall’s hometown days after their steamy kiss

KATE Beckinsale was in lover Jack Whitehall’s home town today, just days after they were snapped kissing at the weekend.

The movie star, 45, and the comedian, 30, set tongues wagging when they were spotted in a steamy LA nightclub clinch before heading to a hotel to continue the fun.

Kate Beckinsale was today seen filming in London – near to were new love Jack Whitehall lives
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The stunning actress looked happy and relaxed as she shot new movie Toff Guys
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Today Kate was back on British soil to shoot new movie Toff Guys with Hollywood hunk Matthew Mcconaughey.

Dressed casually in jeans and fluffy jacket, the actress looked in good spirits as she met crew on set.

She wore her long hair in a high high ponytail and shielded her eyes with a pair of oversized sunglasses.

But it looks like her trip to London might not be all work and no play, as the stunning actress was just miles from where here new beau Jack lives.

Kate was just a few miles from where her snogging partner Jack lives
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Kate was seen meeting with the crew ahead of filming
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The actress was dressed casually in jeans and a fluffy jacket
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Kate is filming Toff guys with Matthew McConaughey
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Jack and Kate hit the headlines after they were caught in a romantic tryst at the weekend.

The pair had enjoyed a meal at the restaurant Craig’s, a popular celeb hangout in Hollywood, before heading to the Blind Dragon karaoke lounge, where they were seen snogging.

They were then snapped entering The London Hotel at 3am looking very cosy.

Two months ago Kate, a divorced mother of one, was pictured with on-off American toyboy Matt Rife.

Like Jack, 23-year-old Matt is a stand-up comedian.

BackGrid

The pair retired to the £2,000 a night London Hotel in LA at 3am[/caption]

An onlooker said: “No one would expect someone like Jack to bag one of Hollywood’s hottest actresses. You couldn’t get a more unlikely romance.

“They were like a pair of loved-up teenagers and weren’t trying to hide their feelings.

“They were practically sitting on top of each other in the booth of the nightclub and were laughing with each other.

“As the night progressed, he seemed to be growing in confidence and put his arm around her and gave her a hug.

“Then he decided to put his hand around the back of Kate’s neck and pulled her across him, where they started to passionately kiss.”

Getty Images – Getty

Comedian Jack, 30, is 15 years younger than Kate[/caption]


Jack split from long-term girlfriend Gemma Chan, 35, star of Fantastic Beasts & Where To Find Them, last December, after six years together.

Kate’s 12-year marriage to American film director Len Wiseman, 45, ended in 2016 after he filed for divorce.

She shares 19-year-old daughter Lily with her former husband, the actor Michael Sheen, 49, who she split from in 2003.


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

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