Things I Never Knew Before Becoming a Realtor

Home buyers and home sellers often comment that real estate agents are overpaid, believing that they do little more than show potential buyers through houses, help them write contracts, and then collect large commission checks at closing. Many of today’s Realtors (members of the National Association of Realtors) had their own misconceptions before they started working in the field. Click through to learn a few realities about the real estate business that caught these Realtors by surprise.
Bob Vila : Trusted Home Renovation & Repair Expert

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Some of the Top Things Readers Bought Recently…

Our last roundup of the top things readers have bought recently was pretty popular, so … here are some of the most-purchased items from March 2019!

This post contains affiliate links and Corporette® may earn commissions for purchases made through links in this post. Thank you so much for your support! For more details see here, including lots of details about privacy and the analytics.  

Shoes for Work Bought in March 2019

Pictured above: CC Corso Como® ‘Del’ Pump (on sale! $ 69)

 

Pictured above: Marc Fisher LTD ‘Zala’ Pump (on sale! $ 79–$ 159)

Pictured above: Sam Edelman Hazel Pointy Toe Pump ($ 119–$ 139)

Pictured above: Michael Michael Kors Dorothy Flex Pump ($ 99)

Pictured above: SARTO by Franco Sarto Candid Genuine Calf Hair Pump (on sale! $ 49) 

Pictured above: Cole Haan Tali Grand Bow Wedge 65 (on sale! $ 108)

Pictured above: Rothy’s Washable Flats 
(Need a $ 20-off code? Try this one.)

Clothes for Work Bought in March 2019

Pictured above: Nic+Zoe Wonderstretch Straight Leg Pants (Regular & Petite) (on sale! $ 94–$ 128) 

Pictured above: Caslon® Ballet Neck Cotton & Modal Knit Elbow Sleeve Tee (Regular & Petite) ($ 29)

 

Pictured above: NYDJ Stretch Knit Trousers (Regular & Petite) (on sale! $ 61–$ 119)

 

Pictured above: Liverpool Knit Boyfriend Blazer ($ 98)

Pictured above: Vince Camuto Rumple Fabric Blouse ($ 74)

Pictured above: Leith Button Detail Wrap Top ($ 69)

Pictured above: Gibson V-Neck Shell (Regular & Petite) ($ 49)

Pictured above: Vince Camuto Sleeveless Rumple Blouse (on sale! $ 41–$ 69; now plus sizes only)

 

Pictured above: Vince Camuto Asymmetrical Hem Scuba Crepe Dress (Regular & Petite) ($ 138)

Pictured above: J.Crew Sophie Wrap Sweater Blazer (Regular & Plus Size) ($ 158)

Pictured above: Tailored by Rebecca Taylor Clean Suiting Blazer ($ 395)

Pictured above: Tailored by Rebecca Taylor Clean Suiting Trousers ($ 275)

Pictured above: Pleated V-Neck Mixed Media Top (on sale! $ 12.99–$ 17.99)

Pictured above: Everlane Clean Silk Boatneck ($ 98)

Pictured above: Boden Peggy Top (on sale! $ 60–$ 80)

Pictured above: Alfani Shawl-Collar Knit Blazer
(Now sold out — try this one from Soft Joie at Nordstrom instead.)

Pictured above: Express Mid Rise Skinny Rainbow Stripe Ponte Pants
(Now sold out — try these from Aviator Nation at Nordstrom instead.)

Pictured above: MM.LaFleur Merritt Jardigan ($ 225)

The post Some of the Top Things Readers Bought Recently… appeared first on Corporette.com.

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Great things to see in India


India is the most breath-taking of cultural experiences. Everywhere you go and wherever you look, there are new unthinkable things to see and learn about. The country is truly a unique and fascinating place, with a rich history and magnificent culture waiting for you to experience.

You’ll get to marvel at the beautiful architecture and wondrous ancient temples, experience fascinating festivals and set your sights on stunning natural scenery. India is a must-see country for travelers. Here are some of the top things we think there are to see in India.

See Ranakpur Jain Temple

Situated in a remote North Easterly village, the Ranakpur Jain Temple dates back to the 15th century. The temple is remarkably captivating, supported by over 1’400 intricately detailed pillars in which no two one is the same. It’s relatively unvisited by masses of tourists, so it’s a great hidden spot of ancient history to venture around.

Ranakpur Jain Temple

Relax on Palolem Beach

If you like to break up your trip with a relaxing beach day, then Palolem Beach in the state of Goa is the place for you to be. It’s got a clean sandy beach, tropical palm trees, calm waves, nightlife, excursions, and water activities. There’s also an array of affordable beach huts to hire too.

See the Indian Himalayas

The Indian Himalayas offer incredible sights of beautiful scenery, with numerous tracks and paths allowing you to trek the best view spots. The Western ranges from Kashmir to Nanda also feature quaint communities for you to stop off and explore too. Be careful of the snow leopards!

Ride the ancient railways

Indian railway systems are certainly an experience. Taking to the tracks is a must-do thing to do, whatever part of the country you are in. You can hop on board the desert crossing from Jodhpur to Jaisalmer, or ride through the mountainous terrains from Kolkata to Darjeeling. You could even experience one of the longest train routes in India on the Grand Trunk Express from New Delhi to Chennai.

Visit Akshardham

Located near the Yamuna River, this temple is another one to see. It towers above the landscape with vast domed ceilings, impressive architecture, and exquisite carvings. Akshardham complex is also a great place go before or after sunset when it’s beautifully lit up.

Akshardham

Explore the medieval city of Orcha

This a unique little medieval town dating back to the early 16th century with an abundance of temples, forts and palaces for you to explore. Its derelict streets and ancient ruins make it a magical place to visit. One tip – visit early before any tourist buses and coaches arrive to have it all to yourself and see it in its full glory.

Celebrate the festivals

India certainly has no shortage of festivals. From kite flying to camels, there’s usually some sort of festival to be joined depending on where or when you visit. Most of them are wonderful sights to see – like the lighting up of a million clay lamps at India’s biggest festival Diwali, or the vibrant color powder throwing of Holi which is crazy fun.

India truly does have an endless array of places to visit. Whatever it is you like to experience on vacation, India’s lavish cultural heritage is something everyone should experience. Give it a try. You won’t be disappointed.

The post Great things to see in India appeared first on Worldation.

Worldation

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30 Things to Remember When on the Hunt for a New Home

A home is probably the largest purchase you’ll ever make, both in size and cost, so it helps to approach the home-buying process with a solid plan, a healthy dose of skepticism, and expert guidance. Click through for tips and tricks that will help you find and close on your dream home without a hitch.
Bob Vila : Trusted Home Renovation & Repair Expert

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3 Things to Know Before Assigning a Lease

There are many reasons why you may need to lease property
for residential or commercial reasons, such as signing a lease to rent a unit
with roommates or renting a commercial space for your business. Often, signing
a Lease Agreement means you’ve agreed to rent the property for a specific
period of time. But what happens if you need to leave your rental before your
agreement ends?

Perhaps you need to relocate for work or school or you need
to downsize your business; whatever the reason, a Lease Assignment Agreement
can help you transfer your lease to someone else and vacate your rental
property without breaching your original Lease Agreement.

In this post, we cover what it means to assign a lease and
explore a few important considerations individuals should make before deciding
to do so with their own rental property.

What Does it Mean to Assign a Lease?

Assigning a lease is when a renter transfers their rights and obligations in a Lease Agreement (either commercial or residential) to another person. Generally, tenants decide to assign a lease when they need to vacate a rental property before their lease expires for whatever reason (for example, they need to reduce their living costs or transportation time or find a new space for a growing business).

Regardless of why a person needs to end a lease early, assigning a lease to a new person using a Lease Assignment Agreement can be a great way to end your lease on good terms and without paying any sort of early termination fee (a fee that some landlords may require to end a lease before a Lease Agreement expires). However, there are a few important things you should know before you decide to transfer your lease to someone else.

Consideration #1: You Need Your Landlord’s Consent

Sometimes, your landlord will include a clause in your
original Lease Agreement (sometimes called a master lease) that indicates
whether or not you can assign your lease to someone else.

If the master lease doesn’t mention assignment, it is recommended that you get consent from your landlord in writing before agreeing to assign your lease. This can be done using a Landlord’s Consent to Lease Assignment form. Unfortunately, not obtaining consent before assigning your lease could result in a negative outcome, including the assigned tenant (who is called the assignee) getting evicted from the property.

Consideration #2: You May Still be Liable

After signing a Lease Assignment, you may think that you no longer have any obligation to the property or the original lease, but this is not always the case. Continuing liability is a concept that means the original tenant (who is called the assignor) may still be liable for breaches of the lease or damages to the property caused by the new tenant (the assignee). Whether or not continuing liability applies to your situation depends on if any clauses in relation to it are included in your master lease or your Landlord’s Consent to Lease Assignment.

In some instances, the assignor will be released from
liability and the landlord can only hold the assignee liable for issues with
the property. In other instances, a clause regarding liability will indicate
the assignor is liable for the assignee’s conduct (including paying late rent,
property damages, or fines related to conduct like noise ordinances).

Knowing whether you are liable or not is essential, and you
should ensure you understand any potential liabilities you may have in the
property before assigning your lease to someone else.

Consideration #3: The Master Lease Still Applies

Before your prospective assignee agrees to take on the
assigned lease, it is important to remember the terms of the master lease still
applies to the rental property.

A Lease Assignment Agreement will contain all the terms regarding assigning your lease, including information about the property, the original lease dates and start of the lease transfer, details about continuing liability, and more.

It typically doesn’t contain the terms of the Lease Agreement itself, such as the lease and rent payment specifics, the rights and obligations of the landlord and tenant, property and common area rules, and more. This is why it is important to go over the master lease with the person you plan to transfer it to and ensure a copy is attached to the Lease Assignment Agreement or provided to the assignee for their records.

Assigning Your Lease to Someone Else

Being locked into a Lease Agreement can be a burden at times when you need to move away for work, lower your living costs, close your business seasonally, or relocate your store to a higher traffic area. A Lease Assignment Agreement can help you transfer your lease to someone else without paying an early termination fee or breaching the terms of your contract. Before assigning your lease, it is crucial you understand how assigning a lease works, including knowing if you have your landlord’s consent (and if you need it), if you are still liable for your assignee’s conduct, or if the master lease still applies.

The post 3 Things to Know Before Assigning a Lease appeared first on LawDepot Blog.

LawDepot Blog

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5 Things You Didn’t Know About Chicago’s First Black Woman Mayor, Lori Lightfoot

A black woman makes political history again: On Tuesday, Lori Lightfoot became Chicago’s first black woman mayor.

Lightfoot achieves another milestone as the first openly gay mayor of a large city. The Chicago mayoral race was closely watched around the country. There were two black women in the race—Lightfoot and Toni Preckwinkle—in a political battle that at times became contentious.

Yet, Lightfoot emerged the victor. In a statement to the press, DNC Chair Tom Perez commented on Lightfoot’s win:

“This historic win reaffirms that our diversity is our greatest strength, and that our elected leaders should reflect the diversity of the communities they represent. I look forward to working with Mayor-elect Lightfoot as she fights to build a brighter future for all. The people of Chicago will be well served with her leadership.”

Those outside the gritty world of Chicago politics may not be too familiar with the Mayor-elect. Here are five things you may not have known about Lori Lightfoot.

She grew up in Ohio from humble beginnings.

In an interview with The Chicago Tribune, Lightfoot mentioned that her parents migrated from the South to Ohio. Her father was from a sharecropper family. When she was a girl, her father contracted pneumonia that turned into spinal meningitis. Her father spent time in a coma. The doctors told her mother not to bother to “waste money on medicine,” because her father would not recover. He did, although he became deaf from meningitis.

She is an attorney.

Lightfoot earned a law degree from the University of Chicago for which she received a scholarship to attend. She worked as a federal prosecutor and served in several high-profile civil positions, including chair of the Police Accountability Task Force, and president of the Chicago Police Board. Before running for mayor, she left her position as a law partner at Mayer Brown.

She is married.

The 56-year-old lives in the Northwest side of Chicago with her spouse, Amy Eshleman. They have a 10-year-old daughter.

Chicago police reform is a priority on her agenda.

Lightfoot was part of a task force that looked into police misconduct after the shooting death of black teenager Laquan McDonald at the hands of white policeman Jason Van Dyke. According to her website, her plans for police reform include: Ensuring full and swift compliance with the consent decree; implementing civilian oversight of police; improving police training and accountability; and reducing police misconduct.

She said that the way the Jussie Smollett case was handled, raises “serious questions.”

During a debate with Preckwinkle, Lightfoot said that the dropping of all charges against Smollet merited a “fulsome explanation.” She also expressed concern over State Attorney Kim Foxx’s decision to seal the records on the Smollett case.

 

 

 

The post 5 Things You Didn’t Know About Chicago’s First Black Woman Mayor, Lori Lightfoot appeared first on Black Enterprise.

Lifestyle | Black Enterprise

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Remembering ‘10 Things I Hate About You’: The Movie That Made Us Fall in Love With Heath Ledger

Alamy

Your favorite classic teen movie says a lot about you. It’s a statement about your preferred aesthetics and your taste level. One single reference tells new friends and first dates everything they need to know, from how popular you were in high school to how likely you are to currently own a Cher Horowitz-style cropped plaid skirt suit. Clueless fans have a CliffsNotes understanding of the classics and a deep-seated belief in the transformative powers of a makeover (they love Queer Eye). Superbad aficionados think they’re a lot funnier than they are, and secretly wonder if #MeToo has gone too far. John Hughes diehards have unhealthy romantic relationships, The Craft enthusiasts live in Bushwick, and Cruel Intentions stans have FetLife accounts and ship Cersei and Jaime Lannister.

And then there’s 10 Things I Hate About You. Twenty years later, this movie is still by far the best classic teen flick to associate yourself with. It’s less basic than Mean Girls, more highbrow than Fast Times at Ridgemont High, and isn’t totally cringeworthy by 2019 standards (see: Grease, Sixteen Candles). Identifying with 10 Things I Hate About You tells the world that you also know who The Raincoats are, and that you can appreciate the rarified delights of a high school rom-com that culminates in a Shakespearean sonnet. Just don’t be that guy who feels the need to point out that Kat’s final homework assignment isn’t in iambic pentameter.

The iconic 1999 adaptation takes Shakespeare’s The Taming of the Shrew and gives it a riot grrrl twist. The clunky plot finds two Seattle sisters, Bianca Stratford (Larisa Oleynik) and Katarina Stratford (Julia Stiles), being wooed, respectively, by a very fresh-faced Joseph Gordon-Levitt and breakout star Heath Ledger. Kat is an outspoken feminist and literal ball-buster, which apparently makes her the most undateable senior at Padua High, despite the fact that she is literally Julia Stiles and a thousand times cooler than the “unwashed miscreants” she goes to school with. The Stratford sisters’ comically-overprotective dad (Larry Miller) decrees that the boy-crazy Bianca can only date when Kat does. Gordon-Levitt’s Cameron convinces the most popular and odious boy in school (Andrew Keegan) to pay Ledger’s Patrick Verona to take Kat out, at which point Cameron plans to swoop in and romance Bianca himself.

Read more at The Daily Beast.

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‘Godzilla: King of the Monsters’ Set Visit: 10 Things You Need to Know About the Sequel

‘Godzilla: King of the Monsters’ Set Visit: 10 Things You Need to Know About the Sequel

One of the biggest movie stars on the planet returns to theaters this summer. And by biggest, we mean in terms of physical size. Everyone’s favorite kaiju creature will be back in the eponymously titled Godzilla: King of the Monsters, which is a sequel to the 2014 Godzilla reboot and the third installment of the franchise that also includes 2017's Kong: Skull Island. 

This time, Godzilla is not alone. The king of the monsters will be joined on screen by a few of his most…

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Things you should definitely not pack while traveling

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If you’re getting ready to set off on an adventure and travel the world, then there’s a high chance that you’re equal parts excited and equal parts frazzled. After all, worldwide explorations take a huge amount of planning and prepping, and you’ve probably read every travel blog, every article, and every reviewing site to learn everything you can about where you’re going and what to expect when you get there. In fact, you’ve probably read hundreds of articles that tell you what you should pack in your case or your backpack for an adventure. But what should you NOT pack while traveling?

Expensive jewelry

If you’re planning on traveling the world and living out of a backpack, you don’t need the fancy things in life. You’re going to be wearing the same few clothes, and you don’t want to have to lug around a giant bag that gives you chronic back pain. So, there’s no need to pack your expensive jewelry. Not only will you not really need it (unless you just happen to bump into the Queen), but you also don’t want to risk it getting lost or stolen. Don’t make yourself a target to thieves and pickpockets.

Hiking boots

Of course, this one doesn’t apply if you are literally going on a hiking adventure. Although hiking boots may seem like the perfect shoe to add to your backpack, they can actually end up being your biggest regret. Because these shoes are big and bulky, they will take up valuable space in your backpack and leave you with less space to pack the essentials. As well as this, they aren’t really necessary. Normal sneakers or flat shoes should serve you well within any terrain, whether you’re walking along the beach or plodding through a new city.

Extra toiletries

When you’re packing for an adventure, it can be easy to fill your bag with all kinds of mini soaps and shampoos. You never know when you’re going to need them, so it’s best to stock up, right? Well, not quite. Although these can prove to be handy when you need them most, it’s actually better to simply buy the bare minimum and then buy as you go along. There’s no use filling up your backpack with small bottles that are full of liquid because we bet you’d rather smell for a few hours than ruin all of your clothes!

A large towel

It might seem like a no-brainer to add a large towel to your packing list. After all, you’re going to need to shower, and you’re probably going to be showering in a large communal space with other hostel users besides you. However, these towels can be big and bulky, and sometimes they can take up almost all of your backpack space. Don’t worry though, because you don’t need to air dry. Swimmers towels are the perfect alternative, because they are extremely absorbent, but also extremely small.

If you’re packing for your travels right now, take a step back and ask yourself: Do I NEED these items?

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The post Things you should definitely not pack while traveling appeared first on Worldation.

Worldation

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10 Things You Never Knew Your Real Estate Agent Can Do for You

Selling your house—or buying a new one—is a multifaceted process that typically involves the services of a licensed real estate agent. You already know that agents can list homes, host open houses, and assist in negotiations between buyers and sellers, but you may not know that they’re willing and able to help with other matters. Click through to discover some surprising ways your real estate agent can help you throughout the buying and selling process.
Bob Vila : Trusted Home Renovation & Repair Expert

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Things Your Kids Know: Dog Walking Has Nothing To Do With Dogs?!

Has someone every threatened to “dog walk” you? No? Me neither.

In this edition of “Things Your Kids Know”, Skip Murphy tells us the meaning behind the phrase “dog walk”. To the average person, it means to take your fluffy friend on a walk around the block but in the world of social media it is something totally different.

Watch the video above for the full breakdown.

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Things Get Awkward When Keron and Ashley’s Family Meet for the First Time | Family or Fiancé | OWN

OWN

SPECIAL NEWS BULLETIN:

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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!

10 “Free” Things That Cost You Money in the Long Run

Life is expensive. Between the mortgage, insurance, car payments, and unexpected repairs, homeowners have a lot of money going out. It’s understandable, then, that many are tempted to take advantage of freebies when they’re offered. But be wary: There’s a price to pay for everything—even the free stuff. Before you accept freebies, understand what you’re actually getting. Goods and services that you don’t have to pay for may not be up to standard or may come with sneaky fine print, or they may just cause more problems. So, while you might save money in the short term, in the long run you could live to regret your frugal choices. Avoid these 10 “free” things that are likely to end up costing you money.
Bob Vila : Trusted Home Renovation & Repair Expert

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The Winchesters are back together!Hunting people, saving things,…

The Winchesters are back together!

Hunting people, saving things, the family business. Supernatural is celebrating its 300th episode with an epic Winchester family reunion, and we’ve got all the details in our exclusive report from the set. 📷: Eric Ogden for EW

Entertainment Weekly

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Things Your Kids Know: What’s The 10 Year Challenge?

If by some reason, you were able to miss the 10 year challenge (how?!!) Here’s the full breakdown above. Did you participate in the challenge? If not, are you simply tired of social media challenges? Let us know in the comment section.

HEAD BACK TO THE BLACKAMERICAWEB.COM HOMEPAGE 

Black America Web

ENTERTAINMENT UPDATE:

Erie Insurance: 6 things to know about the top-rated insurance company

erie insurance sign on office

Erie Insurance may not be a household name around the US, but this insurance company is one that you should take a look at if you’re thinking about shopping around for home or auto insurance.

Money expert Clark Howard looks to the annual insurance company rankings from J.D. Power and Consumer Reports when it comes to recommending where people look to buy their insurance and Erie fares extremely well in both of those surveys.

RELATED: When should you file a claim on your homeowners insurance?

Erie Insurance: Here’s what you need to know

The company was founded in 1925 and today offers a full spectrum of auto, home, business and life insurance. Here’s what you to know about this nearly-100-year-old insurer…

1. Erie Insurance serves 12 states

The company serves customers in a dozen states and the District of Columbia:

  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • Tennessee
  • Virginia
  • West Virginia
  • Wisconsin
  • District of Columbia

In fact, Erie had nearly 6 million policies in force for auto, home and business insurance at last count.

2. Erie Insurance is a regional insurer with a solid business reputation

Based in Erie, Pennsylvania, the company is actually the 9th largest homeowners insurer and 11th largest automobile insurer in the United States based on direct premiums written, according to the company’s factsheet.

In addition, the property/casualty side of the company has an A+ rating from A.M. Best, the industry’s leading rating agency. Meanwhile, the life insurance part of Erie is rated A. (Editor’s note: A++ is the highest rating available from A.M. Best.)

3. The company is routinely named one of the top insurers in the country

Both Consumer Reports and J.D. Power conduct extensive overviews of the auto and home insurance industry and customer satisfaction after a claim is made.

And when it comes to auto and home insurance, both sources agree: Erie is a Top 5 insurer or better versus all the other national players.

Have a look at some of the impressive marks it gets:

Home insurance

  • #3 best homeowners insurance company according to Consumer Reports
  • #5 best homeowners insurance company according to J.D. Power

Auto insurance

  • #1 best homeowners insurance company according to J.D. Power
  • #1 for Mid-Atlantic region of the country and #4 for North Central region, according to J.D. Power
  • #5 best homeowners insurance company according to Consumer Reports

Check out the full lists of the best auto insurance companies and the best home insurance companies.

4. Erie Insurance has a new policy for Airbnb hosts

Thinking about renting out your home on Airbnb or a similar home-sharing site? Erie has a new insurance product with you in mind.

Their peer-to-peer house sharing policy costs an average of $ 40 to $ 60 extra per year. It is intended to step in with liability coverage because not all home-sharing sites offer protection for hosts.

With this policy, you’ll be protected “up to the liability limit for certain coverages on the homeowners policy, which typically ranges from $ 100,000 to $ 1 million,” the company notes.

The house-sharing insurance is available in all the states Erie does business in except North Carolina and Viriginia.

5. The company is testing pay-per-mile auto insurance

Erie CEO Tim NeCastro revealed the company is testing telematics for pricing private passenger auto insurance with 3,000 customers in two states — Ohio and West Virginia.

“We’re very pleased with the response and with the experience and we’re looking to expand that program in 2019,” he said during a recent earnings calls. “We plan to be in two more states this summer and then deploy additional territories later in 2019.”

6. The home sensor pilot program has already saved customers big bucks

NeCastro also said Erie has expanded a test of home sensor pilots to 2,000+ households.

“One customer in Ohio, for instance, reported that his sensor detected a refrigerator leak just two days after installation and helped them avoid a costly loss,” the CEO noted.

“Another customer in Pennsylvania credited the sensor for [alerting] him [to a] water leak in his basement and allowing him to take steps to prevent damages. Examples like these reflect the improved proactive experience customers can have with Erie, while also saving us and them the cost of the claim.”

Final thought

Erie Insurance has a great reputation for customer service and does a good job integrating technology into the insurance experience. You may want to look into them if you’re ready to shop your coverage around and you live in their service area.

More insurance stories on Clark.com:

The post Erie Insurance: 6 things to know about the top-rated insurance company appeared first on Clark Howard.

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Back To School Sale – Get up to 40% OFF stylish footwear at Payless.com

5 Things Under $50 You Can Get Right Now To Prep Your Wardrobe For Spring

One of the ways we build our wardrobes is “upgrading”–buying better versions of things we already know we like. And the fashion industry knows this. We’ve been buying designer jeans for decades, and for a long time now, brands have been selling pretty much every basic with “lux” in front of it, from cargo pants to white tees. It sometimes seems like a race to see who can make the most expensive X.

That said, clothing in general is as inexpensive as ever. Low inflation and cheap labor have kept prices for basic consumer goods low for a long time. A Hanes 3-pack costs $ 10 in 2019 ($ 3.33/shirt), compared to a $ 5.31 retail price in 1970  ($ 34.45 in 2019 dollars) for a 3-pack of Sears t-shirts (over $ 11/shirt).

Bottom line, if you’re looking for cloth to cover your body, you can find it cheap; maybe cheaper than ever. If you’re looking for interesting things, it can be more difficult. In an era of $ 1,000 sneakers and $ 3 tshirts, what can $ 50 get you today? I did some shopping and found 10 items worth buying right now for $ 50.

The post 5 Things Under $ 50 You Can Get Right Now To Prep Your Wardrobe For Spring appeared first on Put This On.

Put This On

FASHION UPDATE:

Better Things Is Back—And Pamela Adlon Is Doing Just Fine

Pamela Adlon’s alter ego Sam Fox, the heroine of her semi-autobiographical FX comedy Better Things, is a woman who speaks her mind. In the show’s season three premiere, which will air on Feb. 28, that candor is briefly directed at her eldest daughter Max (Mikey Madison), just after the college freshman abandons her mom in favor of some new acquaintances. “I want my big, life, This Is Us milestone moment goodbye hug!” Sam whines, her arms outstretched. And she gets it—a long, sweet embrace that melts into a sort of slow dance, then evaporates in a mist of kisses.

The scene comes close to encompassing the range of apparently contradictory elements from which Adlon constructs the show. Better Things doesn’t have a terribly innovative premise: Sam—a journeyman actor and divorced mother of three girls—struggles to maintain an often demeaning career while caring for her close but ungrateful family (including her own declining mom) and intermittently looking for romance. Yet the writing artfully mingles cynicism and sincerity, shaggy storylines, earthy humor and lofty ideas about family and fulfillment. Relationships evolve slowly; it took two full seasons for Max, a mess of teenage anxieties, to reciprocate Sam’s affection. Without straying far from the quotidian, Adlon creates moments of (sometimes simultaneous) transcendence and crisis. Episodes evoke the same range of emotions as, yes, This Is Us but always feel much closer to real life than to melodrama.

It’s a delicate balance, and one that seemed especially precarious after The New York Times published five women’s sexual misconduct allegations against Adlon’s co-creator and champion Louis C.K.—just days before Better Things aired its season two finale, in 2017. Adlon responded by quickly cutting ties with C.K. and the manager they shared, in a bold but worrisome schism. Though her show had always been more humanistic than his bleak Louie, both series had deceptively loose structures, with episodes divided into vignettes that culminated in cathartic, thought-provoking, often controversial set pieces that drew out the stories’ common themes. Since Adlon had also been integral to Louie, as a writer and an actor, it didn’t seem sexist to wonder whether their creative symbiosis was essential to both of their respective successes.

C.K.’s absence is indeed palpable in season three. Those climactic scenes that set social media on fire are his specialty: He has the sole writing credit, for instance, on a striking episode from the second season in which Sam stages her own funeral, forcing her family to finally express some appreciation for her sacrifices. When they collaborated on scripts, Adlon seemed to rein in C.K.’s excesses, emphasizing small, true character beats while avoiding provocation for its own sake. In season two, when they shared writing duties but she began directing every episode, Better Things surpassed Louie, evolving into a comedy with the revelatory quality of meditation.

The third season, for which Adlon hired her first writers’ room, starts out equally thoughtful but less focused. As Sam toils on an unsafe movie set and weathers the physical and emotional indignities of perimenopause, she must attend to her family’s various minor maladies: Sam’s mother Phyllis (Celia Imrie) sinks further into dementia. Max gets homesick. Middle child Frankie (Hannah Alligood) grows increasingly bitter about her parents’ divorce, and takes out that anger on Sam. Even cuddly preteen Duke (Olivia Edwards) bristles at her mom’s obsession with a school bully. Instead of escalating to an apex, the first three episodes meander. The story never accelerates.

Viewers might be tempted to write off the show after a few weeks of this, but for those who already love Better Things, that would be a mistake. Something changes midway through the eight episodes sent to critics: Themes that have recurred since the season premiere, from Sam’s mistreatment at work to Frankie’s cruelty, reach critical mass and become full storylines. A series of healthcare providers, each with a distinct personality, serve as evidence that fiercely independent Sam must finally ask for help. Touching on menstruation, constipation and a colonoscopy, the masterful episode “Toilet” is a symbolic flushing out. (While other TV creators have used candor about women’s bodies to shock, Adlon’s reads as simple honesty.)

It’s an experimental season, one whose subtle shifts seem more suited to film than TV—and might be easier to appreciate on a streaming service than in 12 episodes spread out over three months. But if you watch it at the right pace, two or three half-hour installments a day, it starts to recall the radically organic storytelling of Virginia Woolf and, more recently, Argentine filmmaker Lucrecia Martel (Zama, The Headless Woman). In these artists’ work, as in the new Better Things, you barely notice narratives coalescing until they’re fully formed. That lends their plots an uncommon naturalism. And it certainly jibes with Adlon’s recent praise for the late indie film pioneer John Cassavetes’ documentary-like style. Like him, she’s making choices bold enough to alienate some viewers—ones that introduce a voice strong enough to stand on its own.


Entertainment – TIME

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Some of the Top Things Readers Bought Recently…

Readers were asking recently for a round-up of some of the top things that l;l’readers have bought recently… these were some of the most-purchased items from January 2019!

This post contains affiliate links and Corporette® may earn commissions for purchases made through links in this post. Thank you so much for your support! For more details see here, including lots of details about privacy and the analytics.  

And now for some of the top clothes for work and play that were bought in January 2019…

Clothes for Work Bought in January 2019

Pictured above: Vince Camuto Ponte Ankle Pants (Regular, Petite & Plus) ($ 75-$ 99)

Pictured above: KUT from the Kloth Diana Stretch Corduroy Skinny Pants (Regular, Petite & Plus) (cords sold out but lots of jeans $ 39-$ 98)

The post Some of the Top Things Readers Bought Recently… appeared first on Corporette.com.

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8 things you need to take away from this London Fashion Week

Well that’s a wrap. London Fashion Week is over for another season, and if you need a little recap, here’s what you’ve missed.

Karl Lagerfeld left us and the fashion world mourned

On the last day of London Fashion Week, it was announced that the legendary designer behind Chanel and Fendi had passed away. The timing meant all the fashion editors couldn’t cover the news as they were at the shows, but they held a minute’s silence at the last show of the schedule, at the BFC showspace, which Camilla also attended.

Karl Lagerfeld quotes

Victoria Beckham delivered a superb collection (and launched a Youtube channel)

VB truly pulled one out of the bag this season. Not only did she serve up a collection every woman wants to be seen in – think checked blazers layered over checked shirts, floaty dresses and a mix of neutral and bold colours – but she also launched a YouTube channel, which will give us an insight into her fashion, beauty and family. Oh and Harper Beckham’s new haircut also stole the show.

Victoria Beckham

Shrimps had its first runway show

After a few London Fashion Week presentations, Shrimps founder Hannah Weiland hosted her first runway collection, and it was one of the dreamiest things we’ve ever seen. There were silky dresses, oversized bags, shells and lots of faux fur of course.

Camilla championed sustainability

The BFC is very much pushing for sustainability this season. BBC Earth and Mother of Pearl teamed up to host a panel and launch a flagship collection inspired by BBC Planet and created using sustainable production methods to show how innovation and new technology can help us to reduce the impact of fashion on the planet.

And to close LFW, the Duchess of Cornwall presented the QEII award for design to Bethany Williams, who exclusively uses recycled materials in her collection.

Roksanda, Erdem and Rejina Pyo made us dream

Some of our favourite designers truly hit the sweet spot between OTT and wearable, dreamy and feminine. There were yellow feathered ballgowns at Roksanda, pointy collars, detailed embroidery and florals at Erdem, and gorgeous tonal separates at Rejina, who also had the most amazing accessories. Can we also talk about the fact the Erdem show started late because we were all waiting for Joan Collins to join the FROW? Legend.

Rixo partied with drag queens

For its Studio 54-inspired collection, Rixo took over Cafe de Paris, where models and drag queens dancedunder disco balls, wearing sequins and vintage prints. Joyful.

Aspinal was delightfully British

The likes of Olivia Palermo and Amber Le Bon helped Design Director Giles Deacon and Creative Director Mariya Dykalo celebrate the new collection, which featured quintessentially British motifs such as the Queen’s guards and dogs.

adidas Originals entered the LFW schedule

adidas Originals debuted its collection with New York designer Ji Won Choi, which took place in Hawley Wharf – a never before used location in underground Camden. The collaboration with Ji Won Choi is the third in a series of collaborations with emerging female designers who reimagine adidas’ design identity.

 

The post 8 things you need to take away from this London Fashion Week appeared first on Marie Claire.

Marie Claire

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6 things that can cause irregular periods, explained by a doctor

First things first: Don’t panic

irregular periods

Irregular periods messing with your head? Your mind may be running away with itself and imagining all sorts of possible causes, but usually there’s a simple explanation as to why your cycle isn’t playing ball.

There are a number of reasons why your periods could be irregular (or completely absent), including lifestyle factors, medical conditions and just plain biology.

So to clear some of the fog, Dr Victoria Manning, women’s health expert at River Aesthetics, explains six of the most common causes below. If you’re concerned about irregular periods, always speak to your GP to discuss further.

What causes irregular periods?

Stress

If you’ve been under significant stress lately, whether work or home-related, it may explain why your period is acting up. ‘Stress activates a hormonal pathway in the body called the hypothalamic-pituitary-adrenal (HPA) axis, via the release of increased levels of cortisol,’ explains Dr Manning. ‘The HPA axis and cortisol help control the stress response in the body.

‘Cortisol release can suppress normal levels of reproductive hormones, potentially leading to abnormal ovulation, anovulation (no ovulation) or amenorrhoea (absence of menstration).’

The contraceptive pill

‘Within your natural menstrual cycle your hormone levels fluctuate throughout the month – the main hormones involved are oestrogen, progesterone and testosterone,’ Dr Manning says. ‘The presence in varying levels of these three hormones trigger different parts of your cycle, such as thickening the lining of the womb, maturing your eggs and releasing them into your fallopian tubes.’

Essentially, the pill alters your hormone levels, which can in turn throw your menstrual cycle out of whack. According to the NHS, the progestogen-only or ‘mini’ pill can cause periods to stop, become lighter, irregular or even more frequent.

‘Oral contraception alters these hormone levels by introducing synthetic hormones. Some have a mix of oestrogen and progestin (a synthetic progesterone), others just progestins. Since these hormones are the key orchestrators of your menstrual cycle, it makes sense that your menstruation and ovulation would be different as a result of taking hormonal birth control,’ Dr Manning adds.

‘When you’re on the pill, you don’t have fluctuations in hormone levels because you’re actively taking synthetic versions that are keeping your levels high. So in essence, the pill inhibits ovulation because the levels of oestrogen and progesterone you’re taking don’t allow the hormone dip that triggers your natural monthly egg maturation and drop.’ If you’re thinking of coming off the pill, speak to your GP.

irregular periods causes

PCOS

‘Polycystic ovary syndrome, or PCOS, is a common condition that affects the way a woman’s ovaries work,’ explains Dr Manning. ‘The main three features of PCOS are irregular periods, which means your ovaries do not release eggs; excess androgen, high levels of “male hormones” in your body, which may result in physical signs like excess facial or body hair and central weight gain; and polycystic ovaries, where your ovaries become enlarged and contain many fluid-filled sacs.

‘If you have at least two of these features, you may be diagnosed with PCOS.’ For more information, read our guide to PCOS when you’re done here.

Weight gain

‘When overweight, cholesterol compounds in fat cells can get converted into a type of weak oestrogen called estrone,’ explains the doctor. ‘Overweight or obese women carrying extra fat cells have “little estrone-making factories”, which can have an oestrogenic effect on glands.

‘This added oestrogen can cause bleeding or irregular periods. A woman may go months without ovulating, for example, but the uterine lining is still building up to the point that it becomes unstable. This can cause prolonged or very heavy bleeding.’

Weight loss

‘On the other end of the spectrum underweight women and women with eating disorders, like anorexia nervosa, which result in extreme weight loss may also be unintentionally impacting their menstrual cycles. Women without much fat on their bodies may have fewer periods or go longer without ovulating.

‘Starvation, as well as extreme exercise and stress, can trigger an effect that suppresses the brain. These women may be so underweight that their bodies simply stop making oestrogen. Additionally, the lack of fat doesn’t allow cells to convert cholestrol into extra oestrogen.’

Perimenopause

‘During the years leading up to the menopause, known as perimenopause, shifts in hormone levels can fluctuate quite significantly causing changes in the menstrual cycle,’ explains Dr Manning. ‘During a normal menstrual cycle, the levels of oestrogen and progesterone increase and decrease in a regular pattern. Ovulation occurs in the middle of the cycle and menstruation about two weeks later.

‘However, during perimenopause, hormone levels may not follow this regular pattern and as a result you may have irregular bleeding or spotting. Some months your period may be longer and heavier and others shorter and lighter, the number of days between periods may increase or decrease and you may begin to skip periods.’

Note that the purpose of this feature is to inform, not replace one-to-one medical consultations. For advice tailored specifically to you, always discuss your health with a doctor

The post 6 things that can cause irregular periods, explained by a doctor appeared first on Marie Claire.

Marie Claire

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War photographer McCullin’s retrospective shows ‘appalling things’ humans do

From the battles of the Vietnam War to starving African villages and the destitute streets of London, photographer Don McCullin has documented violence, suffering and deprivation for more than half a century.His pictures brought home to the general public the agony of people and places near and far. Now aged 83 and knighted by Queen Elizabeth, he is haunted by what he has witnessed and prefers to train his lens on the landscapes of rural Somerset.


Reuters: Arts

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Lori Harvey: 5 Things To Know About Steve Harvey’s Stepdaughter Who Has Been Linked To Trey Songz

Who is Lori Harvey, the model and equestrian champ that Twitter bowed down to after rumors claimed she had Trey Songz, Future and Justin Combs ‘on rotation’? Here’s the 411 on the beauty.

Hollywood Life

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6 things you might not have considered selling on eBay

Altoids tin

eBay touts that you can utilize their website to buy and sell “Electronics, Cars, Fashion, Collectables, Coupons and More.” Of course, “more” can include just about anything, and so it’s within this category where potential profits can hide in plain sight.

I wrote a Clark.com piece in 2017 outlining a few obscure items that sell well on eBay, like toilet paper tubes, but apparently this bizarro trend has run its course. A quick “completed listings” search for toilet paper tubes show that out of 50 listings, only three lots had sold, one collection for a mere 99¢. It’s not exactly worth the effort to collect, photograph and write up a description for a mere 6% chance that your item will actually sell!

Make extra cash selling these odd items on eBay

However, as one trend disappears other ones take its place. I asked on Facebook’s eBay Warriors group about possibly lucrative obscure categories, as I figured that their 100,000+ members would be clued into the buyers’ trends. Here are some of their tips, plus a few of my own.

Empty Altoids tins

I checked eBay’s completed listings, and sure enough there’s a market for empty Altoid tins, so instead of chucking these into the recycling bin, consider setting them aside until you have enough to justify a listing.

Empty luxury item boxes

This suggestion was completely off my radar, as my empty boxes trend more towards Cheerios than Cartier or Tiffany & Co. But once again, this tip rang true. Note to self: Keep an eye out for empty luxury brand boxes when I head out for my next afternoon of garage sale-ing!

Old perfume, even when it’s partially used up

You might think that half-empty bottles of perfume hold no value, but such is not the case. Perfume makers frequently discontinue and update lines, which means that customers will often pay up to keep backups of their signature scent.

Discontinued board games

Don’t assume that your closet full of dusty and forgotten board games holds no value. Instead, take a look to see if you own one of these surprisingly sought-after “The Office” board games. Turn “That’s what she said” into “That’s what she sold!”

Box Tops for Education

This eBay category was a surprise to me, as I stopped cutting apart my grocery packaging when my kids graduated from elementary school. However, seeing these values might inspire me to restart my old clipping routine!

Off season treats from Trader Joe’s

If you’re a Trader Joe’s shopper, you already know that their seasonal foods have ardent and loyal fans. So if you have the foresight (and self control) to set aside a few extra boxes, you can turn a tidy profit once their shelves switch over from Christmas to Valentine’s Day. Keep in mind that these completed item prices are still from December, so I can only imagine how much they sell for once more months have been allowed to pass.

Whatever you try to sell, just make sure to do a “Completed Listings” search to get a true sense of what your items are worth. Many people make the mistake of assuming that the listed price is what things sell for, when in fact many eBay items go unsold.

How to conduct your own Completed Listings search on eBay

Find the search bar on the top right-hand corner of your computer screen. Click the small blue  “Advanced” link:

This will bring you to the “Advanced Search” screen, where you can customize your search, including “Completed Listings.” You can now research which eBay items actually sold, and hold much they sold for. This will give you precise and current information, which then helps you to determine whether your unwanted items are worth listing on eBay.

Good luck!

The post 6 things you might not have considered selling on eBay appeared first on Clark Howard.

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20 Things You Never Knew About the Super Bowl

It’s as American as apple pie. Yet the Super Bowl has only been around since 1967. In those 52 years, however, the game has become ingrained in the national psyche. It has also developed some unusual rituals and over-the-top traditions. These little-known facts may win you victory too—at your next trivia night.
Bob Vila : Trusted Home Renovation & Repair Expert

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Kamala Harris Bio: 3 Things You May Not Know About the Presidential Candidiate

After years of demurely dodging the “Will you run for president” question, Kamala Harris officially declared yes in Oakland, almost two weeks after the release of her memoir, The Truths We Hold (Penguin Random House; $ 30) and left little doubt that her campaign for president had begun.

Harris’s  meticulously planned Oaktown hometown announcement could have felt anticlimactic. To the contrary, it was breathtaking.

The weather was perfect after weeks of rain (an Oakland rarity). The bright sun on Harris’s smile, the swell of the crowds chanting her name and waving her “Kamala for the People” signs, her ease in their presence and in front of the camera, gave it the feel of a great victory speech at the end of a long race.

But this was just the beginning, and the next 22 months will be long and hard. She said it herself, invoking Robert Kennedy. “I do not lightly dismiss the dangers and difficulties of challenging an incumbent president, but these are not ordinary times, and this will not be an ordinary election.

If there was any doubt that Harris is no ordinary candidate, she stamped it out with real swagger when, for a brief moment, in a state where cannibas is legally flourishing, Harris gave her longtime support base a natural high.

For those who knew her less well, there were a few surprises that will no doubt shape how she and her historic run for the highest office in the land are viewed – and they had more to do with the personal forces that have shaped her than with the critical issues she will shape should she become president.

Kamala Harris Bio Facts 

Yes, she’s married. Yes, he’s white.

Douglas Emhoff, 54, is a Los Angeles lawyer and native New Yorker who Harris married five years ago. It’s her first marriage; his second. Harris writes in her memoir that his grown children, Cole and Ella, are named for John Coltrane and Ella Fitzgerald and that she bonded with them over a shared love of music right away.

Kamala Harris Bio

Harris with her husband (Wikipedia)

 

‘Ya mon,’ she’s half Jamaican.

No longer politically correct to simply reduce everyone to black or white, Harris is now most often referred to in the press as black and South Asian-American. A lesser known fact, which she addressed herself yesterday, is that her father, economist Donald Harris, was born and raised in St. Ann’s Bay, Jamaica. At about 1% of the population, courting the West Indian-American vote: Smart move.

Kamala Harris bio

(Facebook)

Yes, sir, that’s her sister chairing the campaign.

Maya Harris, Kamala’s younger sister, is chairing her presidential campaign. A Stanford educated lawyer whose resume includes the Ford Foundation, the American Civil Liberties Union (ACLU), and most recently, MSNBC as a political analyst, this will not be her first rodeo. She was a senior adviser for Hilary Clinton’s 2016 campaign.

Kamala Harris bio

Kamala and sister Maya (Wikimedia)

 

IN CASE YOU MISSED IT:

 

The post Kamala Harris Bio: 3 Things You May Not Know About the Presidential Candidiate appeared first on Black Enterprise.

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16 Things Black People Say or Do That Annoy White People at Work (And In General)

We published a list of things that white people should never say to their black co-workers. Now, Risha Grant, a public relations professional and diversity and inclusion expert, asked white people on her Facebook feed, to list the things that black people say or may do that annoy them.

Here are 16 of the top annoyances (mild and otherwise) that white people said they felt about black people mostly in the workplace, but also in general (these are posted verbatim from Risha Grant’s Facebook feed):

When you want to be friends with them at work but there are other black girls so you just can’t get close cuz ur just the white girl who is held at arms length. You get the feeling that they don’t believe you wanna be their friend. They think we are too different.

…there have been times that conversation with a Black person somehow turns to the topic of inequality…I have no way of truly knowing all the privilege that I enjoy as a white, straight male. I just know there are times, I’d like to learn more and the door closes.

…any time a black person walks into a room — say a new employee in an office — they make a beeline to the other black faces. It can be disappointing because I may know from advance notification about your hiring that you and I have a lot in common, but I have to work harder to be your friend.

On social media, a lot of my activist black friends will post complaints about “white people say …” “white people think…” “white people do …” And I always feel like saying, “Not ALL white people!”

[RELATED: 27 THINGS WHITE PEOPLE SHOULD NEVER, EVER SAY TO THEIR BLACK CO-WORKERS]

 more common amongst my black friends than any other group. I don’t like it when black people bring up my ‘white privilege’ for the reason they aren’t as well off as they THINK I am

I feel uncomfortable joining amazing organizations if prefaced with ‘black’. Like black nurses association. These are amamazazazing colleagues I want to network with but….I’m not black.

…have noticed a lot of times when I expect the black friend of mine to follow through or follow up on a conversation, weather [sic] it be to contact someone in business or to get back with me with some information it doesn’t always happen. So I would say for me it’s follow through or follow up when conversations are made about moving forward with something.

when I was working with children it seemed more common for black adults to come down on a child for crying or having emotions (particularly when little boys and young men cried, telling them to “Man up.”)

I can say that in my traditional classrooms over the years I’ve had more black kids that seem to go right to fighting on the playground- not a lot of build up, just straight to throwing punches

“The victim.” The ones that make any non black race feel like a dog for what their ancestors may or may not have done during the periods of slavery, and act like the current period non black races owe them something for it. 

Speaking as if they are uneducated. not accents but refusing to speak correctly.

…it seems like African Americans never use a crosswalk. Even if it’s right in front of them, they will go out of their way NOT to cross at the light. Is there something there or am I imagining things?

Poor grammar

It really irritates me that y’all can dance so much better than me! (No one who witnessed it has EVER forgotten your valiant attempt to teach me the Wobble!)

…please don’t assume all white people support Trump. Because we don’t.

A white person has to walk on eggshells with caveats to keep overly sensitive people from being offended — that seems to be one thing that black people do—get offended to easily.

In an article for TulsaWorld.com about her controversial Facebook question, Grant wrote that it took “almost two days to manage the 206 comments, shares, direct messages, and personal texts I received.” She went on to say, “Exercise that muscle to help you understand that regardless of how you identify, we are all a part of the human race. Once we understand that, we will better understand each other; and with that comes grace, respect, and total acceptance.”

 

 

 

 

 

The post 16 Things Black People Say or Do That Annoy White People at Work (And In General) appeared first on Black Enterprise.

Career | Black Enterprise

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5 Things to Know About Kourtney Kardashian’s New Man David Dee Duron

Kourtney-Kardashian's-New-Man-David-Dee-Duron
Kourtney Kardashian and David Dee Duron Courtesy of David Dee Duron/Instagram

Keeping up with Kourtney Kardashian’s dating life! The TV personality was recently spotted on a dinner date … and it wasn’t with any of her famous exes. The tall, dark-haired guy she was seen smiling with is named David Dee Duron.

Duron, the brother of Voice season 3 finalist Dez Duron, joined Kardashian for a meal at Nobu in Malibu on Thursday, January 24.

“David is a genuinely sweet guy. He is a good old boy and as American as they come,” a source told Us Weekly. “David’s into football, his family, the Hillsong church and music. He’s a solid, nice guy. David was always the most studious of all his brothers. There really isn’t a more stable, all-around good guy than David.”

Here are five things to know about the new man in Kardashian’s life.

He’s From the South

No Hollywood background here — Kardashian’s new potential love interest has Southern roots, hailing from Shreveport, Louisiana.

He’s a CPA

Unlike his brother Dez, David’s not in showbiz: He’s a staff accountant for Car Saver in Miami.

He Rides Horses

David’s Instagram page is peppered with shots of him astride various steeds. Though not an equestrian like her little sister Kendall Jenner, Kardashian, 39, also has a history with horses: As we saw in a September 2015 episode of the hit E! series, the reality star got familiar with the animals again after taking years off from riding.

He Comes From a Big Family

Like Kardashian, David has plenty of siblings. In addition to Dez, 29, the accountant has four other brothers and sisters: Denny, Dakota, Dawn and Destiny.

He’s Had His Own Brush With Fame

While he may not have a Kardashian level-following (yet!) David has experienced some level of notoriety — his mug appeared on a billboard in May 2015 for his alma mater of Southeastern University in Lakeland, Florida. “Amazing first year at #SEU … I love this place and everyone in it, very thankful to be a part … Oh and thanks for putting me on a billboard,” he wrote on Instagram.

Us Weekly

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Subtle Selfish Things Men Do That Add Up

selfish boyfriend signs

Source: Rowan Jordan / Getty

You want to know how so many women wind up in relationships with selfish partners? It’s because those men were only subtly selfish. Selfishness doesn’t always show its ugly face, clear as day, right away. In fact, sometimes selfishness masquerades as affection or playfulness. If a man, for example, calls you during your girls’ night and says, “Pleeeeeeeaase come over. Don’t you miss me? Don’t you love me? Do you really need to keep drinking with friends?” it can feel like aw he likes me so much and wants to be with me. But, actually, he’s disrespecting your girl time. He’s making you feel guilty for spending time with friends instead of him. He’s only asking himself what he wants in that moment and not what makes you happy or is best for you. See how subtle but true all of that was? And that’s how you find so many women in relationships with selfish babies. It was a slow burn. Here are subtly selfish things men do that add up.

via GIPHY

He doesn’t take your calls

When you call him to just pass the time on your drive to work, or to tell him something funny that just happened, he barely picks up. His excuse isn’t great—he was just watching TV or something like that but “Figured if it was important, you’d text.”

MadameNoire

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Ariana Grande Reveals Some Of Her Favorite Things In Her New Anthem ‘7 Rings’ | PeopleTV

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SPECIAL NEWS BULLETIN:

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

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!

3 Things You Should Include in Your Business Plan

Starting a new business is more than just writing an idea
down on a piece of paper and going for it. For your new venture to be
successful, it’s important to not only know what your business is going to do, but
to establish a big-picture view of your company’s values and identify any
potential strengths, opportunities, weaknesses, and threats to your business
goal.

A Business Plan helps you plan out your company, and
demonstrates to investors and customers that you’ve done your research and your
business is something they should be interested in.

In this post, we identify three essential elements to
include in your Business Plan.

1. SWOT Analysis

Before you can get your business off the ground, you’ll need to prove that it’s worth starting. By using a SWOT (Strengths, Weaknesses, Opportunities, Threats) Analysis, you can determine if your business idea is viable, if it needs to be adjusted, and how you are going to deal with roadblocks and other issues that could affect its success.

As an example, if you’re planning on opening a coffee shop downtown
where you know there are a lot of restaurants and retail stores, you could
include in your analysis that you considered the strengths of opening a store
in that location (lots of foot traffic, business people looking for a place to
buy a quick coffee, etc.) as well as the potential threats (competitors taking
potential business away).

Writing down your analysis in your Business Plan shows that you’ve put in the time and effort to showcase all possible scenarios for your business. It also helps prove to any investors you may present to that you’ve done all the necessary research before proposing your business idea.

2. Mission Statement

Your mission statement should showcase the purpose of your
business clearly and concisely in one or two sentences. Since your mission
statement could also be viewed as a selling point to customers, investors, or
anyone else that might be interested in your business, it’s important to use
effective and bold verbs in your statement so it can double as a pitch.

3. Executive Summary

Your Business Plan should include an executive summary on the first page, which is essentially an elevator pitch  for your business as well as an organized and detailed list of each of the sections in your plan.

An executive summary should be
divided into headings that explain each section of your Business Plan in a few
short sentences.

For instance, if the main purpose of
your business is to sell a particular product, you’ll probably have a wealth of
information explaining your product in your Business Plan, such as what it
does, how it fulfils a need or serves specific a purpose, etc. In your
executive summary, you would want to condense all that information down to just
a few sentences and only discuss the most important points.

Essentially, the goal of your
executive summary is to present the content in your plan in an easily readable
format that highlights key points of your business and gets investors
interested in learning more.

Writing Your Business Plan

The purpose of your Business Plan is to give a
high-level overview of your company that can be presented to investors, or even
just to have a document to refer to so you can keep your business on track.
Taking the time to write a detailed and well-structured

The post 3 Things You Should Include in Your Business Plan appeared first on LawDepot Blog.

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3 Things to Include in a Part Time Job Posting

Finding the perfect person for a part time position is
sometimes more difficult than finding a good full time candidate. Often,
qualified individuals look for part time positions for scheduling reasons. They
could be a student looking for a job that doesn’t interfere with their
coursework, a parent hoping to find a job that lets them pick their children up
from school on time, or a full time employee wanting to supplement their
current income.

Regardless of the reason a prospective employee might choose to work part time over full time, employers looking for no-brainer employees can make their positions more enticing for applicants by marketing job postings in specific ways.

In this post, we note three things employers can include in
their job posting to attract suitable part time applicants.

1. Clearly Indicate Part Time

This may seem like a no-brainer, but there are plenty of postings that fail to mention what type of position is being offered (full time, part time, temporary, or contract). Knowing what type of position you’re applying for at the outset is essential to most prospective candidates as it helps answer questions like “am I an employee or a subcontractor?” or “will I be able to work two jobs?”

Moreover, because the typical posting is for full time work, many people could wrongly assume your posting is for a full time position rather than part time. This confusion doesn’t benefit your company; it results in you or your hiring team interviewing more applicants who could potentially reject your Employment Offer Letter because it is for a part time position and not what they anticipated.

2. Expected Days of the Week

For potential part time employees, coordinating a schedule can be a lot of work, so, as an employer, you can assist potential candidates by indicating the days of the week your new hire would be expected to work. If there are no expected days and the position is flexible, that’s even better—let applicants know in your job posting.

Providing your expected days of work can help potential candidates
know that they are a good fit for a position before applying. It also helps
employers stay on track and not waste time by filtering out applicants that
cannot meet specific job requirements (like being unable to work on weekends
when weekends are required).

3. Expected Work Hours

Similar to providing the expected days of work, providing the number of hours you anticipate your employee will work is also helpful. Part time employment is typically determined by the number of hours the employee works per week and is generally considered to be any job where the employee works 30 hours or less per week.

The difference between a 10-hour, 20-hour, or 30-hour work
week is huge, both financially and organizationally. Informing potential
applicants of the number of hours they can expect to work can help prevent
unsuitable candidates from applying, once again helping to reduce the number of
resumes you’ll need to sift through to find the person you’re looking for.

Preparing Your Part Time Position Posting

Preparing a job posting can be a lot of work. For many
careers, creating a job posting means simplifying a complex position into a
couple of concise bullet points and turning that into a job advertisement.
Employers looking specifically for part time employees can attract more job
applicants by clearly indicating the job is part time and including the expected
work days and hours.

The post 3 Things to Include in a Part Time Job Posting appeared first on LawDepot Blog.

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Things All Professional Women Should Know How to Do

Things All Professional Women Should Know How to Do

What are things all professional women should know how to do by age 30, 40, 50, or 60?

So, a loooong time ago, readers had a threadjack on “things all 35-year-old professional women should know/do” — I thought it was a fun discussion, but it particularly stood out because one of my first freelanced stories, back when I was a magazine journalist (before law school), was basically this concept. I don’t remember if it was ever published or not (I vaguely remember the publication going belly-up before the article came out), but I remember making a hard sell to my editor for why all women should know how to tango. 

This is why we probably shouldn’t have 22-year-olds write these things. 

After all, knowing how to tango is great, but if you do NOT know how to tango, do not in any way feel deficient in your life. (In fact, for most of the things on this list, don’t feel deficient if you can’t do them yet.) I thought I’d come up with a few fun things and then turn it over to you guys — what do you think all 35-year-old professional women should know how to do? (Does your answer change if the age changes? What is it for 30, 40, 50, 60?)

ANYWAY. I thought I’d round up my top 5 — I’d love to hear yours!

Five Things All Professional Women Should Know How To Do:

#5: Sing Your Own Praises

Keep track of your own accomplishments, and don’t feel bad about raising them in meetings with bosses, clients, and others.

#4: Say Thank You / Give Genuine Praise

As you become a leader and have more say in whom you work with, being genuinely appreciative and grateful for the skills and work of those around you is an important quality to cultivate. And I don’t just mean the executive team — everyone who’s employed by your company!

#3: Know When to Admit Your Mistakes

I have a Post-it on my computer that says “Grace, Not Perfection” — because mistakes happen! Know when to to admit your mistakes — and when to ask for help. Which leads us to our next one… 

#2: Delegate

You. Can. Not. Do. It. All. Yourself. Say it with me, ladies — learning how and when to delegate in your personal and professional life is super important.

The #1 Thing All Professional Women Should Know How To Do:

#1: Say No

Noooooooooooooooooo. No. It’s a single sentence! It’s ok to say no to professional and personal things. Don’t feel like you need long, wordy explanations or apologies. Just. Say. No.

Readers, over to you — what do you think are the things that all professional women should know how to do? How does your answer differ for, say, a 30-year-old and a 50-year-old? 

Picture credit: Fotolia / Monkey Business.

What things should all career women know, whether by age 35 or in general? Kat shared her top 5 things all professional women should know how to do, including how to sing your own praises, how to say no, how to delegate, and more! Don't miss the comments -- lots of great thoughts from the readers on which skills younger professional women should cultivate.

The post Things All Professional Women Should Know How to Do appeared first on Corporette.com.

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Eight things we learned during the 2018 NFL season, one for each division

From never doubting Andy Reid’s QB instincts to knowing when it makes sense to pay defensive studs, here’s what we found out in 2018.
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Stranger Things Season 3 Premiere Date and First Poster Revealed

Get ready for a strange new year: Netflix has announced the premiere date for Stranger Things Season 3, which will be released on July 4, 2019.

The streaming service also debuted the first poster and key art for the new season, which you can see below.

pasted image 0

There’s also a new teaser trailer for the upcoming season, featuring the ominous tidings “when blue and yellow meet in the west” cut between footage of the 1985’s Dick Clark’s Rockin’ New Year’s Eve (brought to you by Starcourt Mall). The teaser seems to show someone hacking into “Lynx Corp.,” copyright 1984-1986, and running the program “SilverCatFeeds.exe.” All of that culminates in the Dick Clark New Year’s footage spinning upside down and flashing a brief glimpse of the Mind Flayer.

Continue reading…

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Things you absolutely need to pack for a winter vacation

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Packing for the winter holiday can be a bit overwhelming. There are many clothes and other things you need to be comfortable in the cold. How do you make sure you have everything you need at your destination? Fortunately, the tips in this article will help you to pack your suitcase for a cool winter vacation.

Clothes

During winter holidays, it is important to bring clothing that allows you to dress in layers. You should start with a base layer of a light shirt that can have either long or short sleeves. You can put a long-sleeved shirt over it, and then a sweater or fleece over that. In addition to these shirts, you can wear a waterproof or windproof shell to keep you warm and dry. If you dress in layers, you can add or remove a layer depending on weather and comfort.

Shoes

While shoes can be heavy and you may only pack so much, you should make sure you have good quality footwear. Your feet are exposed to the weather during the winter holidays, so you want something that will keep you warm and look good. Look for dark shoes so they will not stain. Also, bring shoes that are weatherproof.

Choose warm, comfortable boots

Again, you do not want to get cold feet on your trip, so bring boots to keep your toes nice and comfortable and keep frostbite in check. Today, there are a variety of winter boots on the market, and you can take your pick depending on your preferences. If you want to take a long walk, make sure you are looking for comfortable boots. If you are looking for a heel, we recommend the use of wedge boots – they are a great way to give you more height and style without sacrificing comfort.

Hats

A good hat can keep you warm. However, the hat must meet some general requirements. A good travel cap should cover your ears and part of your neck. It should be made of modern materials that are warm and provide maximum coverage. Choose your hat carefully to keep your head (and the rest of your body) warm.

Gloves

Progress has been made with materials and products to keep us warm and dry. You no longer have to rely on heavy gloves to keep your hands warm. You will find gloves that are warm and waterproof but still take up little space in your luggage or bag. If you are looking for the right gloves for your vacation, look for those that are fast drying, weatherproof, lightweight, and breathable.

Accessories

Sun protection is required both in winter and in summer. The sun reflects off ice or snow and can cause sunburns. The reflection of the sun can be very bright as well. That’s why you should make sure to bring polarized sunglasses. If you are vacationing in bad weather, you should bring a scarf. Scarves are usually light and small enough not to lend volume to a suitcase, but warm enough to keep you cozy in cold weather.

If you pack properly for your winter vacation, you can have a comfortable stay no matter where you are. Use the tips provided here and you will feel warm and happy while traveling.

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The post Things you absolutely need to pack for a winter vacation appeared first on Worldation.

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12 Things You Never Thought to Do With Packing Peanuts

Loose-fill packaging materials like polystyrene packing peanuts do a great job of protecting fragile items during transport. But what to do with them once you’ve opened that shipping box? Whatever you do, don’t throw them away! There are a lot of ways you can reuse and repurpose packing peanuts. Check out our favorites.
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Even Weirder Heroes and Other Things We Want to See in the ‘Spider-Verse’ Sequel

Two weeks before Spider-Man: Into the Spider-Verse even hit theaters, Sony had already green-lit a sequel and at least one spin-off. That’s right, Sony are doubling down on their animated Spidey universe. Why wouldn’t they? The response of critics and fans has been fantastic, with many reviews quickly praising the movie as one of the best Spider-Man movies to ever swing onto screens – with Miles Morales being proof that anyone can be a hero. So what should a Spider-Verse sequel look like? We’ve got a few ideas.

Spider-Gwen + Miles



From the footage we’ve seen in trailers and exclusive clips, it looks like Miles and Spider-Gwen are going to get on quite well, and it would be great to see them team-up once again. Hopefully, they can still travel in between universes by the end of the movie, because the pair have an interesting dynamic in the comics that the animated sequel could quite easily adapt.

In a plotline that started in Spider-Man #12 and finished in Spider-Gwen #15, Miles’ Father disappeared and was discovered on Earth-65. Gwen and Miles teamed up to investigate why, and found that Miles’ Dad was actually the Scorpion on Gwen’s Earth. But when the pair also stumbled on a reality where they were married, they decided to see what would happen as a couple. As mentioned, the series only included two issues – so the relationship didn’t last too long. But figuring out that they work better as friends would definitely be a mature way of approaching a relationship. Regardless of how it plays out, who doesn’t want to see an upside down kiss between two dimension-crossed lovers?

 

New Villains



With new superhero movies always comes new villains. Sure, Wilson Fisk is an interesting main villain to use in a new animated franchise, but hopefully the sequel uses the opportunity to include new adaptations of classic characters. Since we’ve already seen the Ultimate version of the Green Goblin, what about other terrifying versions of the Goblin persona? There’s always the orange hooded Hobgoblin, or if Norman Osborn acquired a symbiote he could become Red Goblin.

Spider-Man has such a rich history of villains that Sony have plenty to pick from. The animated nature of the Spider-Verse franchise gives them so much more scope to go wild and crazy. You want to see Hydro-Man and The Rhino? Sure thing. An adaptation of The Clone Saga with The Jackal? It could work… Hello world, meet Marvel Zombies. Okay, maybe they won’t touch the clone fiasco… It seems like they’re committed to providing a captivating backstory if Kingpin’s story is anything to go by, so hopefully whichever villain they choose gets the same treatment.

 

Venom



Sony have just kick-started an incredibly popular live-action franchise with Venom, and although it wasn’t a full-horror movie, it wasn’t exactly kid-friendly either. Putting Eddie Brock and the Symbiote into a Spider-Verse movie introduces a younger audience to the character. Even from a profit perspective, Sony still gets more out of those rights. Let’s not forget, this wouldn’t even have to break the timeline of the original Venom film since Sony own both properties. They could quite easily have Eddie voiced by Tom Hardy and acknowledge his previous appearance.

Plus, it could also be a way of branching out into new territory for Venom. If the writers want to stick down the ‘alternate versions of a character’ route, there’s always the recent Venomverse storyline to adapt. That way, we could see a variety of heroes and villains get their own symbiotes! Picture Miles Morales trying to explain to Eddie Brock that his Venom Blast doesn’t have that name because of the Symbiote? Phil Lord and Christopher Miller could easily turn that into a hilarious exchange between the hero and the anti-hero. You know it makes sense, Sony.

 

Morlun and the Inheritors



For a film with ‘Spider-Verse’ in the title, it seems to remarkably miss a key element of the original storyline of the same name. Back in 2014, the huge event spanned most of the Spider-Man related titles, and brought a multiversal threat to anyone who could spin a web. Morlun and his family, the Inheritors were seeking out anyone with Spider powers, also known as Spider-Totems. They kill any Totem they find to absorb their life force as food. Couldn’t they just eat normal food like the rest of us?

Miles Morales and Peter Parker recruit alternate versions of Ben Reilly, Jessica Drew and even Uncle Ben to fight against the family of energy vampires that threaten the entire Spider-Verse. Considering Into the Spider-Verse has just introduced wider audiences to parallel universes and alternative versions of popular characters, a sequel could take that idea and run wild. The original Spider-Verse storyline would be a great way to do so.

 

Even Weirder Spider-Heroes



So, you thought Spider-Ham was weird? Well, do we have some stranger heroes for you. If the Spider-Verse sequel is going to double down on the alternative takes on Spider-Man, then it really needs to prove that it can go weirder. Ever heard of Golden Oldie? It’s a version of Aunt May who became the Herald of Galactus on her Earth. No, that’s not a joke. That’s an actual thing that happened in comics. But seriously, there are literally hundreds of different Spider-Men and Women waiting to be brought onto the big screen.

We all know that movies like to use montages to speed a story along. If Miles and Peter need to recruit other Spider-Heroes and go dimension hopping, it would be a great way to showcase some of the weird and wonderful characters populating the multiverse. How about Earth-311, where Peter Parquagh happens to live in the year 1602, in London? Again, not a joke. There’s Spider-Man 2099, Miguel O’Hara – who has one of the most impressive Spider-Man designs ever. Or perhaps Ben Reilly with his hooded costume and his clone backstory!

However Sony decides to move forward with the Spider-Verse franchise, they have an entire multiverse to explore.

Spider-Man: Into The Spider-Verse swings into theaters on December 14.

The post Even Weirder Heroes and Other Things We Want to See in the ‘Spider-Verse’ Sequel appeared first on FANDOM.

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‘NCIS: Los Angeles’ star Chris O’Donnell’s favorite things from loafers to Levi’s

When you’re the youngest of seven, you learn early on that family comes first. That may be the secret to success for film and TV star Chris O’Donnell, who’s headlined CBS’ top-rated “NCIS: Los Angeles” for nearly 10 years and is now a dad to five kids of his own. The 48-year-old, Chicago-raised actor keeps…
Fashion News, Photos, and Video | New York Post

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Do These 11 Things Now to Set Your Finances up for the Next 20 Years

It’s so hard to plan ahead. It’s even harder to plan way, way ahead — like 20 years into the future. I mean, some of us have trouble planning more than a week in advance. I know I do.

Financially speaking, we should all be planning for the future — at least a little bit. The question is, how can you set yourself up for success in the future? What can you do with your money right now that you’ll be happy about in 20 years?

We’ve got some ideas. They’re mostly about improving your financial habits — with a little technological help.

Save Without Thinking About It

woman on phone at night

Automate, automate, automate. Harness technology, and make it do the work for you so that in 20 years, you’ll be prepared for the next step, whether that’s buying a new home, traveling the world or retiring.

Set things up so a certain amount of your money gets automatically funneled into savings, investment and retirement accounts. That way, you can build wealth without thinking about it.

1. Let This App Save for You (and Get $ 5 Free!)

It helps if you can save money without really noticing it.

Digit makes that possible. Link the app to your checking account, and it will determine small (and safe!) amounts of money to withdraw into a separate, FDIC-insured savings account.

Bonus: Penny Hoarders get an extra $ 5 just for signing up. Additionally, savers will receive a 1% bonus every three months. Digit is free to use for the first 30 days, then it’s $ 2.99 per month afterward.

Pro tip: In the long run, you’ll need a smart place to store your savings. There’s no law that requires you to bank the old-fashioned way — at a brick-and-mortar bank with a crummy interest rate on your savings.

An app called Varo Money offers a savings account where you’ll earn 1.35% annual percentage yield. That’s more than 20 times — repeat, 20 times — the average savings account, based on a 0.06% average reported by CNN Money.

2. Invest Your Spare Change

To automate your investments, consider starting an account with Acorns. Use 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!

The sooner you start investing, the better off you’ll be 20 years from now.

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

Think About Retirement… Now

senior couple out on the beach

If you have a 401(k) plan through your employer, you should be contributing money to it with every paycheck. If you don’t have one, consider opening an IRA, an individual retirement account. It’s a retirement savings plan you can put money into without going through an employer.

Like with investing, the sooner you start saving for retirement, the better off you’ll be in 20 years.

3. Get a Free Look at the Health of Your 401(k)

If you’re like most people, you have no idea whether you’re 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 investment advisory firm that can optimize and monitor your 401(k) for you.

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 costs $ 10 per month to have Blooom monitor and maximize your 401(k). Bonus: Penny Hoarders get the first month free with the code PNNYHRD.

Manage Your Credit and Debts

man holding credit cards

In the long run, you’ll be in good shape if you maintain good credit and deal with your debts. If you’re smart and strategic about this now, it’ll pay dividends over the next couple of decades.

4. Get Your Credit Under Control

Keeping tabs on your credit score and your credit reports can help guide you to a financially healthier life — especially if you use a free credit-monitoring service like Credit Sesame. It gives you personalized suggestions for improving your credit.

The better your credit, the better off you’ll be when you’re getting a home or car loan. Credit Sesame can estimate how big a mortgage you might qualify for, for example.

Here’s our ultimate guide to using Credit Sesame.

5. Kill off High-Interest Debt

Most of us have got debt — student loans, car loans, credit cards, maybe a mortgage. But not all debt is created equal.

Be strategic. Pay down your high-interest debts first (while still paying the minimum balances on all your other debts).

That way, you’ll spend significantly less money on interest payments over the long run. As the years pass, your high-interest debts should start to disappear. In 20 years, you shouldn’t have any.

This is commonly called the debt avalanche method.

Your highest-interest debts are probably your credit cards. And at the bottom of the list? Probably your federal student loans, which tend to come with favorable interest rates and flexible repayment options.

6. Lower Your Interest Rates

Target that credit card debt first. A lot of us are being crushed by credit card interest rates north of 20%. If you’re in that boat, consolidation and refinancing might be worth a look. Pay off your high-interest debt with a lower-interest personal loan

Here’s an easy way to do that: Fiona, a search engine for financial services, can match you with the right personal loan to meet your needs.

Fiona searches the top online lenders to match you with a personalized loan offer in less than 60 seconds. Its platform can help you borrow up to $ 100,000 (no collateral needed) with fixed rates starting at 4.99% and terms from 24 to 84 months.

Establish a Budget-Conscious Lifestyle

interior of a car in new york city

We’re not asking you to radically change your life. That’s not realistic. You don’t have to suddenly start living like a monk or anything.

Still, to set up your finances for the next 20 years, it’d be smart to establish some new habits.

7. Cut Your Food Budget

Groceries will be a huge part of your budget for the long run, so it’s worth taking a few steps to shop smarter. Here are our favorite tricks to save money on groceries:

  • Look for free printable coupons.
  • Compare your local grocery prices using this worksheet.
  • Earn cash back. Ibotta pays you cash-back on purchases if you take pictures of your grocery store receipts. Plus, you’ll get a $ 10 bonus for signing up!

8. Spend Less on Car Insurance

Car insurance will likely be a constant expense for you. That’s why it’s worth shopping around for a new policy every now and then. (Most people don’t bother.)

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.

9. Look Into Life Insurance

Because we’re thinking about the long term: If you have a family, the last thing you want is to leave them without any financial support once you’re gone.

Maybe you should think about life insurance, which pays your dependents a set amount of money if you die. You might at least look into a basic policy that would pay off your funeral, mortgage or other debt.

Ethos 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.

Make More Money

interior of an airbnb listing

In 20 years, you’ll want to be making more money. Ultimately, that’s up to you and your career path. In the meantime, we’ve got a couple of shortcuts to help you pad your bank account.

10. Get a Side Gig

To set yourself up for the long term, it helps to have more than one source of income.

Look for ways to earn extra money on the side. Here are a few options:

  • As a partner driver with Uber, you’d be an independent contractor. You’d set your own schedule and drive as much or as little as you want. You must be at least 21, have a valid driver’s license and pass a background check. Your car must be a four-door, registered in-state and covered by in-state insurance.
  • List a guest room on Airbnb, which could help you make hundreds — or thousands — in extra income each month. We’ve discovered you can list just about anything through the platform, including couches and backyard tents.
  • Here’s our guide to making extra money online.
  • Here’s our beginner’s guide to earning passive income.

11. Use a Rewards Credit Card

To earn a little extra cash, look at getting a rewards credit card. The rewards can really add up over time.

For instance, an option like the Chase Freedom Unlimited card* enables you to earn an unlimited 1.5% cash back on all your purchases. (Hello, grocery store!) Plus, if you spend $ 500 in your first three months of opening the card, you’ll pocket a $ 150 bonus.

Keep in mind that there are different types of rewards credit cards, so make sure to get the kind that works best for you:

  • Cash back credit cards are the simplest, because they just give you a portion of your spending back as a rebate.
  • Travel rewards cards offer miles, flights, hotel stays, car rentals and more.

Here’s our basic primer on rewards credit cards, and here’s our list of nearly 40 ways you can increase your earnings from your rewards cards.

No matter what, make sure to pay off your bill each month so you’re not paying interest on a balance.

*The information for the Chase Freedom Unlimited card has been collected independently by The Penny Hoarder. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. The Penny Hoarder is a partner of Credible.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He tries to plan at least a couple days in advance.

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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It’s OK to Stop Saving Money If You’re Doing One of These 6 Things

At 7, your goal was to save enough money so you could buy that new toy all the kids were raving about.

At 18, you just wanted to scrape up enough to stock up on ramen for the week.

At 23, your cohorts started talking about emergency funds, and you thought, “OK, I probably need a little nest egg of my own, too.”

At 27, you started counting down to retirement — only about 40 years away… Better start saving now.

And you’re still saving.

You’ve basically been saving money your entire life. Is there ever a time you’ll be able to stop saving money? Perhaps even — gasp — spend it?

Short answer: Yes!

6 Times It’s OK to Stop Saving Your Money

We’ll forever encourage people to save their pennies, but, depending on your financial situation, sometimes it’s OK to stop saving, even just for a little while. Come on; you’ve earned it, right?

Breathe a sigh of relief. It’s OK to stop saving money if you’re…

1. Investing in Causes You Care About

Hand of person holding light bulb

Once you have a nice rainy day fund saved, investing can be a great way to grow your money. In a way, you’re still saving money — but know risk is always associated with investing.

You’ll want to make sure you’re using your hard-saved money to support companies you actually believe in — their morals and values. You probably wouldn’t want to invest in a company that’s destroying our oceans or cheating the system.

Impact investing is a simple fix. It adds a new layer of transparency to investing. Take Swell Investing, an SEC-registered investment adviser committed to supporting sustainable companies.

Its Impact 400 portfolio features companies whose products and services align with the United Nations Sustainable Development Goals. It considers everything from gender equality to ending poverty to clean energy.

You can start with just $ 50 and invest in this or other portfolios committed to clean water, zero waste, renewable energy or disease eradication, to name a few. Plus, you’ll get a $ 50 bonus with the code PENNY after making your initial investment.

Swell doesn’t have any trading fees, price tiers or expense ratios. It charges a 0.75% annual fee — that’s about the cost of one coffee ($ 3.75) per year if you invest $ 500.

Disclosure: We have a financial relationship with Swell Investing LLC and will be compensated if consumers apply for an account and/or fund an account with Swell through links in our content. However, the analysis and opinions expressed here are our own.

2. Signing up for Life Insurance

If you have a dependent or two, you’ll want to think about life insurance. Sure, it’ll cost you a monthly fee, but it’ll help ensure your family will be financially sound if (goodness forbid) anything happens to you.

Plus, finding life insurance doesn’t have to be the complicated, research-intensive experience you might expect. Some newcomers in the industry are updating the old model.

Ethos 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. It’s helped thousands of folks access term life insurance, including independent contractors who use Uber, Postmates, TaskRabbit and other gig apps.

So even if you have to take $ 6 out of your savings each month, life insurance could be worth it — for that peace of mind.

3. Paying off Your Credit Card Debt

TPH photo editor, Alexa Vincent, in various scenes showing credit card debt, consolidation and bankruptcy on August 14, 2018.

A lot of us are being crushed by credit card interest rates north of 20%. That can make paying off your debt feel like this never-ending cycle — and can even cost you thousands of extra dollars over time.

If you have a nice savings cushion, it could be beneficial to pause your savings for a couple of months and pay off your debt more quickly to alleviate the pain of tacked-on interest.

See if you can make your debt a little more manageable first by consolidating or refinancing with a personal loan.

A good resource is online lending platform Upstart, which can help you find a loan without relying on only your conventional credit score.

Unlike traditional underwriting models that use only the common FICO scoring model, Upstart’s technology looks at factors like your education and employment history to determine your creditworthiness (though it does require a 620 credit score).

It can help you borrow up to $ 50,000, potentially with better terms (e.g. lower interest or lower monthly payments) than traditional lenders. If managing many different bills and credit lines is a hassle, you can also use an Upstart loan to streamline all of your loans into one.

4. Preparing for a Happy Retirement

Because you’re already into saving, you probably have a 401(k). Kudos for that, but is it doing what you need it to?

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.

5. Treating Yourself With a Reward

woman carrying shopping bags

You know how most healthy people talk about the importance of cheat days? To let yourself indulge — just a little. The same goes for personal finance. You can be as budget abiding as you want, but you have to leave a little bit of wiggle room to treat yourself.

If you haven’t gotten a pedicure in at least a decade, escaped city limits for a weekend away from the kids or splurged on a new gadget, then maybe it’s time. But please do so responsibly.

Make sure you’re getting the most bang for your buck with these tools:

  • Ibotta: With Ibotta, you can bank cash back when you make an Amazon purchase, sign up for Hulu, book your next vacation or even order groceries through Shipt. Plus, if you sign up now, you’ll snag a $ 10 bonus when you claim your first cash-back offer.
  • Paribus: This tool gets you money back for your online purchases. 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.
  • When you’re spending money, always, always be sure to keep tabs on your budget to make sure you’re not overspending. If you don’t yet have one, 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.

6. Buying a Home

Perhaps for the past few years, you’ve been saving for a down payment. That’s great! Now, you’re ready to buy your first home.

In those first couple of months of homeownership, though, don’t feel bad if you have to pause your savings. Expect a lot of expenses to pop up: closing costs, real estate agent commission, property taxes, homeowners insurance, last-minute repairs — just to name a few.

Get all of that taken care of as you settle into your new abode. After a few months, once you’re getting back into the swing of things and are coasting along with your monthly mortgage payments, you can start saving again.

Time to Resume…

Sure, depending on your financial health, there are certain life events, investments and money moves you can justify pausing your savings for. But the break can’t last forever — you’ll need to resume your savings at some point.

After all, you never know when you’ll need the savi