Track 20 different SEO metrics with this Google Analytics add-on — it’s 80% off right now

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Everyone and their mother keeps talking about how you should always track your SEO performance to find out how your content resonates with Google. 

Well, they’re not wrong. You should measure your SEO success to determine what works and what doesn’t. And it’s highly encouraged that you take advantage of Google Analytics because it’s free and will yield you more data than you know what to do with.

But if you’re not familiar with the platform, working with it can make you feel like a total idiot. Just opening the dashboard alone and looking at the dizzying array of graphs and charts will make you want to shut your laptop and toss it out the window. Read more…

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OMG I Want To Rent This House: Yucca Valley, CA

Photo Illustration by The Daily Beast

The Daily Beast presents a look at one of the most insane houses in the world.

Read more at The Daily Beast.

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

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You Don’t Have to Be Walt Whitman to Win This $1K Poetry Scholarship Contest


Roses are red, violets are blue, and you could win $ 1,000 by sharing what a mentor meant to you.

Is there someone in your life who has inspired or guided you along the way or assisted in your personal development?

Here’s a chance to pay that person homage and enter to win a $ 1,000 scholarship toward college.

Power Poetry is holding an “O Captain, My Captain Scholarship Slam” scholarship sweepstakes.

How to Enter the Poetry Scholarship Contest

The contest is open to all current and former high school students who are in college or will attend college within the U.S.  All entrants must be 25 years old or younger to enter.

Before you enter, you must register as a member of the Power Poetry community, which promotes the writing of poetry.

Once that’s done and you’ve composed an ode to your mentor, all you have to do is submit your original poem with a title. That’s it.

The $ 1,000 scholarship winner is chosen in a random drawing — which means this is more about luck than being a wordsmith. Just keep your submission original and cross your fingers.

The deadline to enter is Oct. 25, 2018.

Check out the contest rules and contact Power Poetry with any questions.

May the odds be ever in your favor.

Like our College page on Facebook to discover other scholarship opportunities.

And if you’re looking for even more scholarships to apply for, be sure to check out our list of 100 scholarships that will help you pay for college.

Stephanie Bolling is a staff writer at The Penny Hoarder. She’ll always be thankful for the wisdom and compassion of her mentors.

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

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Hot List: Here’s what’s new in your favourite stores and online this week

Marie Claire’s edit of the best things to buy, browse and book

Allow us to introduce: hot list. Whether it’s some much-needed pampering, a quick interiors update, a cool event to book tickets for or a wardrobe refresh, here’s Marie Claire’s edit of the best ways to indulge.

Here at Marie Claire HQ we’re constantly seeking out secret sales, new brands, fun events, exclusive beauty treatments and cool coffee table books. We also love updating our home with a cool new piece of pottery, art or a delicious new candle.

We’ve rounded-up all the coolest things to do, see and buy this week. There are new store openings, new fashion brands, A-list collaborations, grooming updates and generally gorgeous and useful things to know so that your downtime is as stylish as you are.

This is your ultimate shopping list, so check in with us every week so you can hit the shops fully informed on what’s new and cool each week. Click through to see our favourite picks…

The post Hot List: Here’s what’s new in your favourite stores and online this week appeared first on Marie Claire.

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The coolest shoes and bags to buy this fall

From luxe leather duos to sporty sets, these bag and shoe combos epitomize cool-weather style Brown is the new black New Yorkers might love head-to-toe black, but try making brown your new neutral — and wear it with all this season’s staples, from denim-on-denim to prairie-style dresses. Wildest dreams With this season’s fierce animal prints,…
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13 New Books Everyone Will Be Talking About This Fall

As we say goodbye to summer and embrace foliage, cozy sweaters and pumpkin-spiced beverages, we also say hello to a slate of new must-reads. From big-name celebrity memoirs (including Michelle Obama’s highly anticipated Becoming) to a fascinating dive into the life of Thomas Cromwell and the return of an acclaimed detective novelist, there’s a page-turner for every reader. Here are 13 of the top books coming in fall 2018.

Fiction

Killing Commendatore, Haruki Murakami

The acclaimed 1Q84 author is back with his 14th novel translated into English. This two-part epic follows a lonely painter whose discovery of a hidden painting sends him on a mystical quest. (Oct. 9)

Available on Amazon

Transcription, Kate Atkinson

Transcription-Kate-Atkinson-What-to-Read-this-Fall

Atkinson returns to the World War II era, in which she also set her popular novels, Life After Life and A God in Ruins. And like those critically acclaimed works, Transcription also experiments with an unconventional timeline. The reader first encounters MI5 veteran Juliet Armstrong as an older woman in 1981, before jumping back to her wartime spy days. (Sept. 25)

Available on Amazon

The Feral Detective, Jonathan Lethem

This case of a missing girl in California, set against the disorientation after the 2016 election, marks Lethem’s first detective story since he rose to fame with Motherless Brooklyn in 1999. (Nov. 6)

Available on Amazon

Unsheltered, Barbara Kingsolver

The best-selling Poisonwood Bible author’s latest jumps between the 1800s and present day in the same New Jersey town as two families contend with changing worlds. (Oct. 16)

Available on Amazon

Nonfiction

Heavy, Kiese Laymon

Laymon examines his relationship with his mother growing up as a black man in the South, exploring how racial violence suffered by both impacts his physical and emotional selves. (Oct. 16)

Available on Amazon

Thomas Cromwell, Diarmaid MacCulloch

Wolf Hall author Hilary Mantel called this deep dive into Henry VIII’s controversial aide a book “we have been awaiting for 400 years.” MacCulloch culled the royal archives to paint a revolutionary. (Oct. 30)

Available on Amazon

The Fifth Risk, Michael Lewis

The Moneyball author digs deep into government agencies to explore how short-term decisions to cut funding after the 2016 election could create long-term crises. (Oct. 2)

Available on Amazon

Becoming, Michelle Obama

At a reported $ 65 million, the joint book deal signed by the Obamas is the biggest in history. The former First Lady’s memoir, perhaps the single most anticipated book of the fall, is out first. (Nov. 13)

Available on Amazon

All You Can Ever Know, Nicole Chung

Born in Korea and raised by white parents in the U.S., Chung endured prejudice her adoptive family could never understand. Her reflections on identity and culture explore the need to belong. (Oct. 2)

Available on Amazon

Full Disclosure, Stormy Daniels

The adult-film actor and Twitter instigator (legal name Stephanie Clifford) promises to divulge plenty — from her alleged relationship with the President to her much-contested NDA. (Oct. 2)

Available on Amazon

The Library Book, Susan Orlean

The journalist investigates the mystery of the 1986 Los Angeles Public Library fire, in which 400,000 books burned, and asserts that we still need libraries in the digital age. (Oct. 16)

Available on Amazon

Imagine John Yoko, Yoko Ono

Ono shares previously unpublished photos and stories from a magical moment in pop-music history: the making of Imagine at Ono and John Lennon’s country home in 1971. (Oct. 9)

Available on Amazon

Hitler’s American Friends, Bradley W. Hart

World War II narratives often overlook an important detail about the U.S. — it was home to many Nazi sympathizers. Hart examines how regular Americans grew susceptible to hate. (Oct. 2)

Available on Amazon

This appears in the October 01, 2018 issue of TIME.
Entertainment – TIME

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This $10 online course can help you build your dream career

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If you don’t have a mentor who you can look to for advice and guidance for shaping your career, it can be intimidating to know where to go for support. Usually, we learn fundamental skills on the fly — whether it’s editing your résumé to speak to the job you want, or learning how to effectively network to build your social capital. But usually, the path to learning can be a bit of a bumpy road — and not the most productive way to learn. 

This online course can be like that mentor you wish you had. It’s meant to help you develop practical skills like interviewing, résumé building, and networking so you can grow your career and minimize the usual amount of trial and error you’d need if you were figuring all this out on your own. Read more…

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Tilray is ‘not an investment at this point, it’s a mania,’ ex-NYSE president says

Former NYSE President Tom Farley described Tilray's wild moves as akin to a "video game," but said Tilray and its fellow marijuana stocks wouldn't be so volatile if there were just more of them listed.
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Hallmark Is Dropping 36 Christmas Movies This Year – Check All The Premiere Dates

Nothing says Christmas like the arrival of Hallmark Christmas movies, and this year there will be a record-breaking 36 new titles airing on the Hallmark Channel and Hallmark Movies & Mysteries.  To help you plan out your Hallmark movie watching schedule, here is a list of the new movies along with their premiere dates.

It begins on October 27th, which means you will have almost two full months to binge on these sugar-crusted, everything works out in the last five minutes holiday guilty pleasures.

This year, you will see familiar faces like Candace Cameron-Bure, Lori Loughlin, Danica McKellar, and Lacey Chabert. But, there will also be some new arrivals, including LeAnn Rimes, Christina Milian, and Chad Michael Murray.

Hallmark Channel

October 27

Christmas at Pemberley Manor starring Jessica Lowndes and Michael Rady

November 3

Christmas Joy starring Danielle Panabaker and Matt Long

November 4

Road To Christmas starring Chad Michael Murray, Jessy Schram, and Teryl Rothery

November 10

It’s Christmas, Eve starring LeAnn Rimes and Tyler Hines

November 11

Christmas In Love starring Brooke D’Orsay, Daniel Lissing, and Mary-Margaret Humes

November 17

Christmas at Graceland starring Kellie Pickler and Wes Brown

November 18

Mingle All The Way starring Jen Lilley, Brant Daugherty, and Lindsay Wagner

November 21

Christmas At The Palace starring Merritt Patterson and Brittany Bristow

November 22

Christmas at Grand Valley starring Danica McKellar and Brennan Elliott

November 23

Pride, Prejudice, & Mistletoe starring Lacey Chabert and Brendan Penny

November 24

Christmas Everlasting starring Tatyana Ali, Patti Labelle, Dondre T. Whitfield, and Dennis Haysbert

November 25

A Shoe Addict’s Christmas starring Candace Cameron-Bure and Luke Macfarlane

December 1

Christmas In Evergreen: Letters to Santa starring Jill Wagner, Mark Deklin, Holly Robinson-Peete, Barbara Niven, Andrew Francis, and Ashley Williams

December 2

A Majestic Christmas starring Jerrika Hinton and Christian Vincent

December 8

Homegrown Christmas starring Lori Loughlin and Victor Webster

December 9

Christmas Wonderland starring Emily Osment

December 15

A Gingerbread Romance starring Tia Mowry-Hardrict and Duane Henry

December 16

Entertaining Christmas starring Jodie Sweetin

December 22

Christmas Copy

December 23

Christmas Made To Order starring Alexa PenaVega

December 25

When Calls The Heart Christmas starring Erin Krakow, Lori Loughlin, and Jack Wagner

December 29

Focus On Love starring Carlos PenaVega

Hallmark Movies & Mysteries

November 4

Marrying Father Christmas starring Erin Krakow, Niall Matter, and Wendy Mallick

November 11

A Soldier’s Christmas starring Eloise Mumford and Sean Faris

November 17

A Godwink Christmas starring Kimberly Sustad, Paul Campbell, and Kathie Lee Gifford

November 18

Return to Christmas Creek starring Tori Anderson, Stephen Huszar, and Steven Weber

November 19

Christmas on Honeysuckle Lane starring Alicia Witt and Colin Ferguson

November 20

Hope At Christmas starring Ryan Paevey and Scottie Thompson

November 25

Welcome to Christmas starring Jennifer Finnigan and Eric Mabius

December 2

Northern Lights of Christmas starring Ashley Williams and Corey Sevier

December 8

Memories of Christmas starring Christina Milian and Mark Taylor

December 9

Once Upon A Christmas Miracle

December 15

Time For Me To Come Home For Christmas

December 16

Reunited at Christmas starring Nikki Deloach and Mike Faiola

December 22

Small Town Christmas

December 23

Christmas Bells Are Ringing

 

And remember, even though you might miss a premiere, you will get countless opportunities to catch them thanks to their never-ending reruns.

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Vaporize all the invisible grime on your phone in minutes with this must-have gadget

Best Way To Clean An iPhone

If you really knew how much bacteria and other nastiness was on the surface of your smartphone right now, there’s a very good chance that you’d vomit. If not, you’d at least dry heave for a while. Our smartphones are absolutely disgusting and then we go ahead and smear that stuff all over our faces when we talk on the phone. Do yourself a favor. Get a PhoneSoap 3 UV Cell Phone Sanitizer and use it once or twice a week. It uses UV light to vaporize all the bacteria and other gross stuff lurking on the surface of your phone, and it automatically shuts off when it’s done. It can even charge your phone, so you can just drop in your phone each night when you go to sleep.

PhoneSoap 3 UV Cell Phone Sanitizer and Dual Universal Cell Phone Charger | Patented and Clinic…: $ 59.95

Here are some more details from the product page:

  • AS SEEN ON SHARK TANK AND DISCOVERY CHANNEL. PhoneSoap’s revolutionary bacteria-zapping technology was featured on ABC’s Shark Tank and tested and proven on the Discovery Channel.
  • KILLS 99.99% OF BACTERIA WITH UV LIGHT. Our patented design is the only device that can completely sanitize your entire phone. Sitting on a UV transparent plate, and surrounded by scientifically proven germicidal UVC light and a reflective interior, PhoneSoap kills 99.99% of all bacteria on your phone.
  • STAY HEALTHY. Our phones gather all the bacteria we touch throughout the day where they breed and grow. Our phones are petri dishes in our pockets, the third had we never wash! Stay healthy by keeping your devices clean with PhoneSoap
  • FITS AND CHARGES ANY PHONE. PhoneSoap 3 fits all phones, including the larger phones such as the iPhone 8 Plus. It also has two charging ports on the back of the device, a USB and USB-C. You already charge your phone every night, now you can charge and sanitize at the same time. With PhoneSoap 3 you can charge a second device, such as a smart watch, at the same time.
  • CLEAN WHATEVER FITS. While we have built PhoneSoap 3 around sanitizing phones, you can sanitize whatever fits inside. From pacifiers, smart watches and headphones to credit cards and keys.

BGR Top Deals:

  1. Prime members can still get a 4K Fire TV for the price of a Fire TV Stick
  2. Toshiba’s 4K TVs with built-in Fire TV are on sale again, with prices starting at just $ 299.99

Trending Right Now:

  1. An army of spiders is slowly taking over a Greek town, but it’s totally fine
  2. Pixel 3 and Pixel 3 XL were just listed on an online store
  3. Samsung just launched a phone with a triple-lens camera, and it’s not the Galaxy S10

Vaporize all the invisible grime on your phone in minutes with this must-have gadget originally appeared on BGR.com on Thu, 20 Sep 2018 at 15:04:08 EDT. Please see our terms for use of feeds.


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Fox, Comcast may duke it out for UK-based Sky this weekend

A protracted $ 34 billion bidding war for European broadcaster Sky between US rivals Comcast and Twenty-First Century Fox could be settled by a quick-fire auction on Saturday, UK regulators said on Thursday. Britain’s Takeover Panel said that it was prepared to take the rare step of intervening in the battle for Sky by running an…
Media | New York Post

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Investors haven’t been this scared about the state of the global economy in nearly 7 years

As the trade war between China and the U.S. hits a boiling point, investors are taking their dimmest view of the global economy since the height of the European debt crisis. 
Economy

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This Is Everything You Need to Know Before Buying Your First Home


When she turned 27, Adria Rebbecchi decided to buy a house. Like most first-time homebuyers, she had no idea what to expect. But in the months ahead, she’d get a whirlwind education.

“Looking at a ton of different houses was fun and allowed me to explore parts of my city that I had never seen before,” said Rebbecchi, a marketing coordinator who lives in Tampa. “The most stressful part — definitely — was gathering all the necessary documentation for the mortgage.”

Buying your first home is intimidating. It’s the biggest purchase of your life so far, and you get bombarded with strange new concepts like “escrow” and “pre-qualification” and “closing costs.”

Adding to the pressure, skyrocketing home prices are making it harder than ever for first-time homebuyers like you to save enough for that crucial down payment. That puts you at a disadvantage when you’re competing with older homeowners who’ve built up tens of thousands of dollars in equity.

Hey, you’re not alone. First-time buyers make up roughly a third of all homebuyers, according to the National Association of Realtors. We’ll walk you through it.

Are You Ready to Buy (or Should You Continue Renting)?

Before you start shopping, a few things to consider…

You’re better off renting if:

  • There’s a good chance you’ll move in a few years.
  • Your job situation is shaky.
  • The down payment to buy will take all your savings.
  • You hate yard work, housework and maintenance.

You’re better off buying if:

  • You expect your family to grow.
  • You want pets, and that makes renting difficult.
  • You have enough savings for a down payment, closing costs and moving expenses.
  • You want a place to call your own — something that appreciates in value over time.

Ready to buy your own place? You’ve got this. Educate yourself. If you do a little research and ask for advice, you can save yourself a ton of money and stress.

Here’s our step-by-step guide for first-time homebuyers:

1. Start Saving for Your Down Payment

The best time to start saving is now. Right now.

The good news is, as a first-time homebuyer, you won’t have to come up with a huge down payment of 20% of the home’s purchase price. Government loan programs for new buyers allow as little as 3% to 5% down.

But even a small down payment is a big chunk of change. For example, a “low” down payment of 5% on a typical $ 200,000 house is still a whopping $ 10,000. Start saving those pennies!

It’s best to stash your savings someplace where you’re not going to touch it. A quick and easy way to get started is with Stash, a popular microinvesting app.

Stash lets you start investing with as little as $ 5. You can set it up to automatically pull a certain amount of cash from your bank account every week or every month. It funnels your money into a set of simple investment portfolios reflecting your goals and interests.

Stash charges a $ 1 monthly fee for balances under $ 5,000. If you sign up through this link with the code PENNYH, you’ll get a $ 5 bonus — that’s like five months free.

2. Check Your Credit

Before starting your fabulous home-buying journey, check your credit score. The better your credit, the better your odds of getting a mortgage with favorable interest rates.

Clueless about your credit score? Credit Sesame is a free credit monitoring service that’ll keep track of it for you. It’ll offer you personalized tips and tools to manage your debt and raise your score. You can also look at your credit reports and dispute any errors that are hurting your credit score.

3. Talk to a Lender

We know, we know. You want to go house-hunting! Why aren’t we going house-hunting yet? That’s the fun part! My God, this is torture.

Patience, young Jedi. Now it’s time to reach out to a mortgage lender. Don’t skip this part.

Here’s an easy way to do it: Just talk to the bank you’re already doing business with. It’ll set you up with a loan officer. Or you could contact a major mortgage lender like Quicken Loans, Wells Fargo or Bank of America. They work with a lot of first-time buyers, so they’ll know how to talk to you.

You could also hire an independent mortgage broker to shop around and find the mortgage that works best for you. This will save you time and hassles. But you’ll have to pay your broker about 1% of your loan amount. (That happens later, when you officially close the deal.)

You have two reasons for talking to a mortgage lender: Get pre-approved for a loan, and check out options for first-time homebuyers.

Get Pre-Approved

You can get pre-qualified for a mortgage. That’s an estimate of how much a bank might be willing to lend you, based on your income and debts.

It’s better to go a step further and get a pre-approval letter. That’s when a lender goes over your finances in depth, then outlines in writing how much it’s willing to lend you.

This way you’ll know what your price range is, and you can narrow down your search. And when you find the house you want, you’ll be ready to make a serious offer.

Look at First-Time Homebuyer Programs

As a first-time homebuyer you may be eligible for various government loan programs. Ask your mortgage adviser about this. Here are some options:

  • FHA loans: The Federal Housing Administration insures these mortgages, so that protects your lender in case you default on the loan. These loans have smaller down payments and lower closing costs than conventional loans.

With a credit score of 580 or more, you can qualify for an FHA loan with a down payment of 3.5% of the home’s purchase price, according to the FHA. If your score is lower than that — between 500 and 579 — you’ll have to put 10% down.

  • USDA loans: The U.S. Department of Agriculture backs mortgages in this program, which focuses on homes in certain rural areas. No down payment is required. No minimum credit score is required, but it’s faster and easier if your score is at least 640, according to the independent Mortgage Research Center.
  • VA loans: The U.S. Department of Veterans Affairs guarantees parts of mortgages for active-duty military, veterans and surviving spouses. No down payment needed. The VA’s lenders typically require a credit score of at least 620, says Veterans United.
  • Fannie Mae and Freddie Mac: These government-sponsored enterprises offer mortgages to low- and moderate-income borrowers. They require as little as 3% to 5% down. You typically need a score of at least 620 for a loan from Fannie Mae or Freddie Mac. (The main difference between the two is the kind of banks they work with — Fannie Mae works with big commercial banks, while Freddie Mac works with smaller banks.)

4. Figure out How Much House You Can Afford

Don’t just look at houses at the top of your price range. Look lower, too.

Keep in mind that you’ll need to have enough money for:

  • A down payment.
  • Closing costs, usually 2% to 5% of your loan amount.
  • A home inspection, which HUD advises will likely cost $ 300 to $ 500.
  • Monthly mortgage payments.
  • Maintenance.
  • Property taxes, which will be rolled into your mortgage payments.
  • Homeowners insurance.

(Your real estate agent typically gets paid by the home’s seller when the sale goes through.)

We’d recommend going with a fixed-rate mortgage instead of an adjustable-rate mortgage (ARM). With an ARM, you might have lower monthly payments at first, but they’ll get more expensive later. A bank that sells you an adjustable-rate mortgage is betting that interest rates are going to rise and make your payments go up.

If you want the smallest mortgage payment possible each month, get a customary 30-year mortgage. But if you can afford higher mortgage payments, think hard about getting a 15- or 20-year mortgage instead. You can get a lower interest rate that way, and you’ll pay off your house a lot sooner.

Talk to your real estate agent about the likely cost of property taxes and home insurance in your area.

5. Get a Real Estate Agent

This is crucial. Get an agent you’re comfortable with. Think of your agent as your guide through this whole process.

Your real estate agent will help you find homes that fit your needs and your price range. They’ll tour these homes with you. When you find a home you like, they’ll help you make an offer, and they’ll negotiate on your behalf. They’ll even guide you through the paperwork blizzard that follows.

Your agent will calm you down if you feel like you’re going to puke.

There are approximately eleventy bajillion real estate agents in the U.S., so how are you supposed to choose one? Ask for recommendations from friends, relatives and co-workers. A whole lot of them own homes, after all.

6. Go House Hunting!

Finally, you get to the fun part! Woo-HOO!

Your real estate agent can find you plenty of homes for sale. Also, feel free to drive around your favorite neighborhoods, scanning the yards for “For Sale” signs.

There’s also this thing called the internet. Every year, sites like Zillow and Realtor.com are posting more and more information online about homes for sale. And first-time homebuyers are more likely to use the internet to find the home they’ll eventually purchase, according to the National Association of Realtors.

When you’re touring houses, keep your eyes open and ask a lot of questions: How old is the roof? What about the air conditioning system? Those are super expensive! Most American homes have shingle roofs that last 20 to 25 years and central AC units that last 15 to 20 years, according to most of the experts we’ve seen.  

When first-time homebuyer Timothy Moore went house-hunting, he was wowed by homes with fresh paint and new laminate flooring. But his partner knew to look for what really indicated quality: solid construction, good insulation and windows, a newer or good-condition roof, and a new or well-maintained HVAC system.

If you look at a lot of houses, they tend to blend together in your mind. Snap photos as you tour homes. At each new location, take a photo of the house number so you’ll know which place was which later on.

Adria Rebbecchi, the Tampa marketing coordinator, found house-hunting to be exhausting: “After a while, it did get to be frustrating. I had a hard time remembering which houses I had already looked at, and why I did or didn’t like them.”

7. Make an Offer

You’ve found the house you want? Make an offer on it. Don’t dawdle.

Your real estate agent can help you figure out how much to offer. The home’s sellers will either accept your offer, take someone else’s offer, or get back to you with a counter-offer.

If you and the seller agree on a price, you’ll hand over what’s called an “earnest money deposit,” showing that you’re committed to buying the house. It’s typically 1% to 2% of the purchase price.

A title company will hold the money in reserve, explains Zillow, in what’s called an “escrow account” while the house is taken off the market and you prepare to buy it. The deposit will eventually go toward your down payment and closing costs.

The next important step will be the home inspection.

8. Be There for the Home Inspection

Hire a licensed home inspector. (Your real estate agent can hook you up.)

This trained professional will examine your dream home, looking for any defects. The most common problems they find are things like faulty wiring or plumbing, poor ventilation, clogged gutters, mildewy basements or missing roof shingles, according to the National Association of Realtors.

If the inspector finds serious defects that weren’t disclosed, you can take back your offer or renegotiate. Sometimes the seller will agree to make repairs.

Tagging along for the home inspection is highly educational — you get to learn about everything that’s wrong with your new house! (Spoiler alert: There’s always something wrong. It’s usually not a deal-killer.)

Pay attention, because this knowledge will be super useful once you actually buy the place. You should also get a written report, so you’ll have a permanent record that you can refer back to.

9. Compare Mortgage Rates

At this point, you’re still not locked into one mortgage lender. Even if you’ve been pre-approved for a mortgage, you can still switch lenders in search of a better deal.

Getting quotes from multiple lenders puts you in a better bargaining position, says the Consumer Financial Protection Bureau. If you prefer one lender, but a different lender offers you a better rate, show the first lender the lower quote, and ask for a match.

“Essentially, you can start a mini bidding war,” first-time homebuyer Lana Axelrod says about her experience.

10. Time for Closing Costs

Finally, it’s time to close the deal. This is when you officially sign up for the mortgage, and the ownership of the property is transferred to you.

Closing mostly involves going through a thick stack of paperwork and signing your name over and over and over again. Professionals will walk you through the process. Your real estate agent will be there and probably a loan officer from whichever bank is giving you a mortgage. If you hired a mortgage broker, they’ll be there too.

No lie: Getting ready for closing is a lot of work.

Before her closing, Rebbecchi put in a lot of time gathering all the documentation she needed: “I have moved a LOT in the past few years and had a variety of jobs — so providing all my income tax returns, proof of employment and justifying previous addresses was exhausting.”

As a rule of thumb, closing costs run from 2% to 5% of your loan amount. This pays for things like having a property appraiser assess the value of the home, as Realtor.com explains, and having a title company do a title search to make sure nobody else has a claim on the property.

(You don’t have to find these people. Your lender will choose the appraiser. Your real estate agent will hook you up with a title company.)

Alternatively, you can negotiate with the seller to cover all or part of your closing costs. One common method is to have your closing costs added to the home’s purchase price, and ask the seller to pay them. That way, the seller nets the same amount of money, but your closing costs get included in your mortgage. Talk to your real estate agent about it.

11. Shop Around for Homeowners Insurance

Now that you own a home, you’ll likely need to insure it.

It’s mandatory if you have a mortgage — when you borrow money from a bank to buy a house, it’ll require you to insure that asset. In fact, your insurance premiums will be included in your monthly mortgage payments.

Homeowners insurance covers the cost of repairing or rebuilding your home if it gets damaged by fire or the kind of natural disaster insurers call “acts of God” — earthquakes, lightning, etc. It typically doesn’t cover damage from flooding or hurricane winds, so you may need to purchase separate insurance policies for those, depending on where you live.

To find affordable insurance, shop around.

Start by getting a free quote. We recommend the online insurance company Lemonade, where homeowners insurance starts at $ 25 a month. Instead of profiting extra when it doesn’t have to pay out claims, the company keeps a set 20% of your premium for itself, and 80% goes into a pool for paying claims and charity.

Lemonade offers homeowners insurance in New York, California, Texas, Illinois, New Jersey, Nevada, Ohio, Pennsylvania, Maryland, Arizona, Rhode Island, Georgia and the District of Columbia, and it’s expanding to other states.

Private Mortgage Insurance

If your down payment was less than 20% of your home’s value, you’ll be charged an additional monthly fee: private mortgage insurance (PMI). It protects the lender if you stop making payments.

Once you’ve made enough mortgage payments to reach 20% equity in your home, you can cancel your PMI. You might have to keep after your mortgage lender to actually stop charging you for PMI.

12. Home Sweet Home

After it’s all said and done, bask in the glory of home ownership.

Follow the example of Rebbecchi, who put a lot of work, strategy and shoe leather into finding just the right house. Even though home ownership has been a bit more work than she bargained for, she’s still glad she made the move.

“I love my house,” she said. “It’s small and quaint and has a great vibe.”

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He has bought two houses in his life, and he hopes that’ll be it.

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

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This billionaire will be the first tourist to fly around the moon

Meet Yusaku Maezawa: The Japanese billionaire who will become the first ever private tourist to fly around the moon. SpaceX CEO Elon Musk revealed him to the world on Monday night after days of speculation about who the passenger might be. “I’d like to introduce the first paying customer,” Musk said before bringing out Maezawa…
Technology News & Reviews | New York Post

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RHOC’s Shannon Beador Sprains Her Ankle for the Second Time This Year: ‘What’s Wrong With Me?’

Shannon Beador was back in a medical boot on Monday.

The Real Housewives of Orange County star, 54, revealed on Instagram that she has sprained her right foot — an injury that happened less than a year after she sprained her left foot!

“So I’m not the happiest person right now cause after my walk…this is what happened,” Beador explained on her Instagram Story, panning to her foot, which was elevated on a pillow and wrapped in a medical boot. “You see that? You see that scooter? Yeah, I sprained my ankle.”

“I tore two ligaments and might have a small fracture in a bone,” she added. “I hurt my right foot now. Can’t drive.”

Beador went on to explain, in a caption on Instagram, that she had “tripped on a stair.” She captioned the post, “#whatswrongwithme #areyoukiddingme #rightfoot #nodriving #wrapbootandscooter #notahappycamper.”


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NOOOOOOOOO!!! Tripped on a stair after my walk yesterday and sprained my right ankle this time! 😩 #whatswrongwithme #areyoukiddingme #rightfoot #nodriving #wrapbootandscooter #notahappycamper

A post shared by Shannon Storms Beador (@shannonbeador) on Sep 17, 2018 at 1:16pm PDT

//www.instagram.com/embed.js

RELATED: RHOC’s Shannon Beador Is Considering a Breast Augmentation: ‘They’re Just Deflated Balloons’

So how does she need to treat it? According to Beador, she needs to spend the next three days “not doing anything” but keeping her foot “elevated and iced.”

“I’m not looking forward to that,” Beador said — though she does have plans for what she’ll be doing. “I’m going to catch up on Bravo shows. So there’s always a light at the end of the tunnel.”

When she’s watching Bravo, Beador might catch an episode of RHOC, where she’s currently rocking a boot on her left foot.

Beador sprained that ankle also while she was on a walk, twisting it after stepping on a bump in the sidewalk.


View this post on Instagram

Yes @tamrajudge, it seems a little Single White Female! 😳 Can’t believe I sprained my ankle walking. #moron Nothing glamorous like breaking my foot when naked! 😜 #scootersisters #rhoc

A post shared by Shannon Storms Beador (@shannonbeador) on Sep 10, 2018 at 9:23pm PDT

//www.instagram.com/embed.js

Meanwhile, Beador is currently considering a medical procedure which will also require some healing time.

During a visit to SiriusXM’s Jeff Lewis Live in August, the mother of three revealed that she visited a plastic surgeon to talk about getting a breast augmentation.

“My mother has been saying that I should get a boob lift because I breastfed Sophie for 26 months and the twins for 14,” Beador told Jeff Lewis. “When I went in he said that I would have to have an implant put in.”

“I want them small,” Beador continued. “I don’t need the big. That’s not me. I don’t even know .”

She added: “I’m throwing skin in a sling every single day,” she said. “It’s just like a Calvin Klein pushup. I’m single now and my boobs are… they’re just deflated balloons a little bit.


PEOPLE.com

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A look at some of the strange shows premiering this fall

You might wonder about some of these strange new fall shows: just what were they thinking in those Hollywood pitch meetings? The fall season, which starts in earnest next week, will bring us a cornucopia of new shows. But for each by-the-numbers sitcom or medical drama, there are other series with head-scratching plotlines. Here are…
Entertainment | New York Post

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This Football Player Retired at Halftime Because He Felt He ‘Shouldn’t Be Out There Anymore.’ People Are in Disbelief

Sunday’s biggest shock in sports came when Buffalo Bills cornerback Vontae Davis retired abruptly at halftime.

It wasn’t how the 10-year NFL veteran imagined his departure, but in a post-game statement, he said the physical toll was what dawned on the field.

“I shouldn’t be out there anymore,” the 30-year-old Davis said, noting the toll the game had taken on his body. “The season is long, and it’s more important for me and my family to walk away healthy than to willfully embrace the warrior mentality and limp away too late … This was an overwhelming decision, but I’m at peace with myself and my family.”

Davis did not cite a specific injury, but research has suggested a link between playing football and traumatic brain injuries.

Davis signed onto the struggling Bills team earlier in the year, and his mid-game departure took his coach and teammates by shock.

“[Davis] pulled himself out of the game,” Bills coach Sean McDermott said. “He communicated to us that he was done.”

“Never have seen it ever,” linebacker Lorenzo Alexander said. “Pop Warner, high school, college, pros. Never heard of it. Never seen it. And it’s just completely disrespectful to his teammates.”

Fans watching online were as stunned by Davis’ timing as ever, and could not resist the joke opportunities.

The Los Angeles Chargers ultimately beat the Buffalo Bills 31-20, laying out a challenging road ahead for the team.

Sports – TIME

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INSIGHT: This is Africa’s first Comic Con

Africa’s first-ever Comic Con launches in Johannesburg, South Africa. The event is inspired by the international Comic Con first held in 1970 in southern California that’s since grown into a global phenomenon.


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How This Woman Bought Her Dream Home While Making Less Than $60K


When Kristine Dowhan got a new job opportunity in St. Petersburg, Florida, with her company, she didn’t hesitate.

It didn’t take her long to sell her home in Detroit. She quickly found a foreclosure selling for $ 30 less per square foot than the rest of the neighborhood in St. Petersburg. It was in one of the safest and best school zones in the county, and it had everything she wanted in the long term: four bedrooms, three bathrooms, and it sat on an easily accessible street and needed little fixing up.

But her list of wants didn’t include a price tag of $ 455,000. But that’s what her dream house was listed for. She knew this house was too good to pass up, so she decided to go for it.

Why Moving Up Made Sense

In 2016, Dowhan, a business finance manager, was making less than $ 60,000. She was 25 and single, so she had no second income to fall back on.

But she viewed real estate as an investment.

When she bought her first home in Detroit in 2011, the local real estate market was crazy-cheap.

Dowhan moved back in with her parents after college. She’d used scholarships to pay for most of her degree, so she graduated with no student debt. She saved $ 30,000 in seven months, and instead of putting a solid down payment on a house in an up-and-coming neighborhood, she paid cash for a fixer-upper.

Dowhan spent two and a half years fixing up her 1,100-square-foot home while also living in it. She washed her dishes in the laundry room, found dust everywhere and lived within half-finished walls.

Much to the chagrin of her family and ex-boyfriends, Dowhan patiently saved up and paid cash for every improvement.

“[I lived] with no countertops for a year and a half because I wanted granite, and I was saving,” she said.

A woman reads while laying on a hammock.
Kristine Dowhan relaxes by her pool. She rented the home’s three spare rooms on Airbnb for 18 months, until she got married. Tina Russell/The Penny Hoarder

When she became interested in moving to Florida, she looked at real estate for around nine months.

She knew she wanted a house she could grow in; she didn’t want to move again in a few years.

“I [didn’t] want to have to move and give up 6% equity every time, plus the effort of moving and all the things that go into it,” she said.

She sold her Detroit home in three days for her asking price of $ 90,000. The sale left her with a sizable down payment. Still, she didn’t make enough to qualify for her home loan.

So she paid off every bit of debt she had. She negotiated the price down to $ 425,000, and she added cash to the down payment beyond what she made from the sale of her Detroit house.

But her debt-to-income ratio was still over the 50% limit set by the bank. Still, she believed she could make it work.

When mortgage interest rates dropped by 0.12%, she finally achieved a 49.9% debt-to-income ratio. She was approved, and on Feb. 22, 2016, Dowhan closed on her home.

Hello Mortgage… and Airbnb Guests

Dowhan knew that first you sign the papers, then comes the mortgage bill. She had more than enough room for roommates. Plus, she had tenure in her company, and if all else failed, she would fall back on her retirement savings.

“The answer at first was roommates,” she said. “The answer was not roommates after I got them.”

Two months after she closed on the house, a young couple moved into one of the rooms. But the roommates weren’t a good fit. She gave them their 30 days’ notice after one month.

Not wanting to take a chance on roommates again, she decided to list her house on Airbnb. But there was one small issue: Airbnb guests don’t bring their own beds with them.

She couldn’t afford to furnish three extra bedrooms and two bathrooms so soon after closing.

“With $ 100 left in my checking account, I made a game for myself,” she said. “Every single piece of furniture I brought in had to be free on Craigslist.”

She got to work and found a free queen-size bed and two twin beds on Craigslist, and that’s what she started her listing with.

The week Dowhan posted the first bedroom on Airbnb, she was continuously booked. Her first guests actually arrived before her roommates were finished moving out.

“They came and I was like, ‘Oh, it’s just my friends. [They’re] just some friends,’” she joked. “They were so confused.”

In addition to scoring furniture on Craigslist, she found that people in her neighborhood were frequently giving away nice stuff. Within six months, she’d switched the queen out for a king. She got another king-size bed and a crib for the second room, plus two day beds and a bunk bed for the third.

In the first year of being fully operational, she made over $ 35,000 from Airbnb, netting her $ 1,200 after expenses.

Dowhan also continued to apply for higher positions at work. When she got them, she kept negotiating her salary. She rented the three spare rooms on Airbnb for 18 months until she got married and finally got that second income to help with the mortgage.

Now she and her husband, Michael, continue to live in and enjoy the house, which is currently valued at over $ 580,000. They even throw pool parties on the weekend.

Asked if she’d do it again, she said: “The time to take these risks is when you’re young. I would never take this risk if [I was] married. And if we had kids, I definitely wouldn’t have taken the risk.”  

 

Jen Smith is a staff writer at The Penny Hoarder. She gives money saving and debt payoff tips on Instagram at @savingwithspunk.

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

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If Redskins’ ‘Business Friday’ carries over to businesslike Sundays, this could be fun

The mood is clear entering the home opener vs. the Colts: fun, silly but still professional. A win would give a little more credibility to the notion that they’re making progress.
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What happened to Tucker Carlson? This journalist set out to find the answer.

Years ago, Tucker Carlson was a well-regarded conservative writer with award-nominated articles and praise from journalism’s top editors. Now, he shouts about immigrants, cries that big tech is stifling conservative voices, and poses questions like “How, precisely, is diversity our strength?” on his nightly Fox News show.
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Alvarez and Golovkin hoping judges better this time around

LAS VEGAS — Gennady “GGG” Golovkin and Saul “Canelo” Alvarez waged a pretty good fight when they met for the first time a year ago. There were swings in momentum, there were brutal exchanges and the winner was in doubt when the final bell rang. Then Adalaide Byrd ruined it with a scorecard that made…
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From Kindergarten to Cancer, This Love Story Defies All of Life’s Struggles

The soldier never forgot his childhood crush, and once they reunited, neither war nor illness would keep them apart.

The post From Kindergarten to Cancer, This Love Story Defies All of Life’s Struggles appeared first on Reader's Digest.

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Report: NFL Won’t Implement a New National Anthem Policy This Season

(Bloomberg) — The U.S. National Football League isn’t expected to implement a new policy on the national anthem this season, ESPN’s Adam Schefter writes, citing unidentified legal sources.

NFL Commissioner Roger Goodell announced a revision of its Game Operations Manual on May 23 to include fines for teams whose “personnel are on the field and do not stand and show respect for the flag and the anthem.” The National Football League Players Association filed a grievance over the policy, which was introduced after a number of players began protesting police brutality and racial injustice by kneeling during the anthem.

While talks on the issue will continue, too many people have too strong stances to find a compromise at this point, Schefter reports, adding that there will be no policy for the time being. Under the old policy, players had to be at the field for the anthem, but while they were “strongly encouraged” to stand, they were not required to do so, a spokesman for he NFL said 12 months ago.

U.S. President Donald Trump and the White House have spent much of the past year criticizing the NFL. “You have to stand proudly for the national anthem or you shouldn’t be playing, you shouldn’t be there, maybe you shouldn’t be in the country,” Trump said during an interview with Fox News after the new policy was introduced in May.

A new escalation came this month when Nike Inc. presented an advertisement in its new “Just Do It” campaign featuring Colin Kaepernick, the former San Francisco 49ers quarterback who started the protest during the 2016 season. The hashtags #BoycottNike and #JustBurnIt started trending on Twitter with users posting videos of burning Nike products.

“Nike is getting absolutely killed with anger and boycotts,” Trump said in tweet on Sept. 5. However, online sales of Nike apparel and shoes surged in the four days after Kaepernick became the face of a new advertising campaign.

Sports – TIME

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This hot pink astronaut suit for ‘girly girls’ is tragic

This is one giant step backward for girl-kind. As part of its Halloween collection, costume maker Aeromax Toys has unveiled a hot-pink astronaut suit marketed to girls — evidently because the feminine brain requires special color coddling to experience scientific curiosity. “[The] newest line is unapologetically pink, so even girly girls might be inspired to…
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Here’s why this photo of Reese Witherspoon and Ryan Phillippe’s children is going viral

This is spooky.

Reese Witherspoon and Ryan Phillippe. Credit: Rex

Reese Witherspoon and Ryan Philippe may have broken up over a decade ago but we’re still not over it, with Cruel Intentions fans still reminiscing over the old days, when the two Rs were nineties couple goals.

Tying the knot when they were in their early 20s, the couple split after eight years of marriage. And while neither Reese nor Ryan tends to talk openly about their past relationship, they do talk about their children, Deacon and Ava Phillippe.

In fact, it was Ryan’s Instagram activity about his two children that got the world talking this week, with a photo of Ava and Deacon going viral.

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me n mine 🖤

A post shared by ryan (@ryanphillippe) on

But why? Simply for the fact that 19-year-old Ava and 14-year-old Deacon are the spitting image of Reese and Ryan – back in the day.

‘Me n mine’, Phillippe captioned the snap of him and his children, with Deacon and Ryan looking scarily similar and Ava looking identical to a young Reese.

‘Beautiful Children! I thought your daughter was Reese at first!,’ commented one user, while another posted, ‘You have beautiful kids @ryanphillippe Pretty sure they are clones of you and Reese =)’.

‘My God’, tweeted one user. ‘Reese Witherspoon and Ryan Phillippe’s kids are like mini-carbon copies!’

Those are some good genes!

The post Here’s why this photo of Reese Witherspoon and Ryan Phillippe’s children is going viral appeared first on Marie Claire.

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This Company Will Actually Pay Someone $2K to Watch TV for 100 Hours


Get paid to watch TV.

No, seriously.

Video service HowtoWatch.com has posted a job that pays $ 2,000 — including $ 500 upfront — to watch 100 hours of TV this fall.

And you can watch whenever and wherever you want.

But don’t start planning that “Game of Thrones” binge session just yet — you’ll have to distribute your viewing hours across the seven streaming platforms you’ll get for free during your employment.

The company is specifically seeking a social media influencer with knowledge of TV streaming platforms, including the ability to analyze picture quality, load times and buffering, according to HowtoWatch.com spokesperson Cosette Jarrett, who responded via email.

The job requires you to rate each service’s quality using a score sheet, and you‘ll need to share your experience on social media. Which means you’ll have to own up to watching “90 Day Fiance” — again.

And while the company specifically mentions there’s no drug test involved, it does want a motivated self-starter with an attention to detail. So maybe you should put off that “Adventure Time” marathon.

Applications are due by midnight on Oct. 4 and the company will announce the job recipient by Oct. 11, according to Jarrett.

The start date is flexible, but you need to finish watching by Nov. 1.

Ready to start your screen, er, dream job? Fill out the application here — bonus points for including a YouTube video.

Tiffany Wendeln Connors is a staff writer at The Penny Hoarder. Editorial Assistant Adam Hardy contributed to this article.

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

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Swap Your Traditional Evening Clutch for This Cross-Body Bag

Let’s face it, your tried-and-true clutch is an undeniable pick for your evening attire, but there is nothing wrong with adding a new style to the mix. If you’re ready to switch up your look, then your pals at Shop With Us have discovered a trendy cross-body bag that’s worth scooping up.

brown madewell bag
Nordstrom

The Madewell Simple Leather Cross-Body Bag is a chic find. Crafted with a unique vachetta leather that burnishes with wear, this purse is the epitome of sophistication. Equipped with a removable strap, this piece can easily transform into a clutch if you prefer that style with your outfit. Even better, its interior pocket allows you to keep your essentials close.

Available in three shades, including dark cabernet, English saddle and true black, this svelte number is designed to mix and match with your casual and dressy ensembles. Floating the racks at under $ 100, this fabulous find will complement your style and your bank account.

madewell crossbody
Nordstrom

Nordstrom shoppers love that this purse it the perfect size for your essentials. A standout pick on the retailer’s roster, many reviewers are impressed by its top of the line quality. One shopper even noted that this bag is ideal for everyday use.

See It: Scoop up the Madewell Simple Leather Cross-Body Bag at Nordstrom for only $ 98!

 

Check out more of our picks and deals here!

This post is brought to you by Us Weekly’s Shop With Us team. The Shop With Us team aims to highlight products and services our readers might find interesting and useful. Product and service selection is in no way intended to constitute an endorsement by either Us Weekly or of any celebrity mentioned in the post. 

The Shop With Us team may receive products free of charge from manufacturers to test. This does not drive our decision as to whether or not a product or service is featured or recommended. Shop With Us operates independently from advertising sales team. We welcome your feedback at ShopWithUs@usmagazine.com. Happy shopping!

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Cool off with this watermelon keg

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The newest party accessory is a tappable watermelon. Who knew?

Heads up: All products featured here are selected by Mashable’s commerce team and meet our rigorous standards for awesomeness. If you buy something, Mashable may earn an affiliate commission. Read more…

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David & Tamala Mann Dropping Joint Album This November

Gospel sensation Tamala Mann and hubby, actor David Mann, have conquered movies, television and music. Together, the couple is now set to release their first joint album, Us Against the World: The Love Project. The Manns will release the soulful 10-song musical collaboration about resilient and enduring love November 9th. The album, brimming with the […]

The post David & Tamala Mann Dropping Joint Album This November appeared first on EBONY.

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How This Iron Fist Villain Could Impact Daredevil Season 3

Iron Fist Season 2 introduced a major new villain into the Marvel Cinematic Universe in the form of Mary Walker (Alice Eve), a mentally unstable killer who proved to be both friend and foe to Danny Rand. Not only that, this season opened the door for much more to come with Mary, hinting that she has a third and even more dangerous personality waiting to manifest itself.

Who is this new “alter,” and what does it tell us about Mary’s future role in the Netflix Marvel Universe? Here’s what we know based on Typhoid Mary’s comic book appearances.

Typhoid Mary: Comics vs. TV

Typhoid Mary changed more than most Marvel characters when she made the jump to the MCU. Apart from the fact that she’s still portrayed as a psychologically unstable woman with split personalities and a penchant for killing, there’s not a lot in common between the two. Heck, even the fact that she made her debut on Iron Fist when the comic book version of Typhoid Mary is most closely associated with Daredevil is a major departure.

Continue reading…

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The giant storm is on track to make landfall this week as a Category 3 or higher, officials warn

Hurricane Florence is on track to hit the East Coast as a major storm later this week.


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Meryl Streep Reacting to This Intense U. S. Open Game Is the Stuff of Great Drama

At the 2018 U. S. Open, Meryl Streep defended her meme champion title.

As Wimbledon winner Novak Djokovic took down Juan Martin del Potro in the U.S. Open men’s final on Sunday in New York City, the internet went wild for another star in the mix: Meryl Streep.

It was an intense game between two top tennis players. Djokovic eventually clinched the victory 6-3, 7-6 (7-4), 6-3 to capture his 14th Grand Slam title. But Del Potro certainly gave Djokovic a run for his money.

Captured by the cameras courtside, Streep was clearly on the edge of her seat — and in distress. And the internet was quick to recognize the meme potential.

It was a little like a play within a play, with every move unfolding on her face.

You’ll see Streep get emotive in character in the upcoming second season of HBO’s Big Little Lies. But until then, here are the reactions to her award-worthy performance.

Some thought she resembled a certain emoji come to life.

Gracious as always, she was aware that cameras and eyes were drifting away from the court and onto her expressive face. On-air commentaros even gave her a “Bravo.” Bravo indeed.

Sports – TIME

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Manhattan rooftop bees are making this bakery’s Rosh Hashana honey

There’s a lot of buzz around this Manhattan bakery leading up to Rosh Hashana.

For the first time in its five-year-history, Breads Bakery is using its own beehives on a rooftop just north of Union Square to make honey for the high holiday that kicks off Sunday.

“We’re really excited about it,”…

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CNN Key Race Alert: This is the narrow path to a Democratic Senate

There are two months until the midterm elections in November and Democrats still have a narrow path to the Senate majority despite a map that favors Republicans and includes 10 Democratic incumbents running in states President Donald Trump won, five of them by double-digit margins.


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This Man’s No-Frills Tool Tells You Exactly When You’ll Be Debt-Free


Jeff Donaldson thought debt was just a part of adult life.

It started with vehicle loans when he was 18 or 19. Then credit card debt. By 2010, he was frustrated.

Then, he read Dave Ramsey’s book, “The Total Money Makeover.”

Jeff Donaldson and his wife, Tina, at Bass Lake, California near Yosemite.
Jeff Donaldson and his wife, Tina, at Bass Lake, California near Yosemite. Photo courtesy of Jeff Donaldson.

“That was the catalyst,” Donaldson, now 44, remembers. “I started to take a close look at my debt and what I was paying in interest. It opened my eyes to recognize we needed to do something different.”

He fumbled with a few apps that helped with bill management. He tweaked a spreadsheet he found online and updated it manually every month. Donaldson, an IT manager based in Fresno, California, had some programming experience — and he wondered if he could do it better.

He sat down at his kitchen table in early 2012, writing out equations and testing the first version of what would become Undebt.it. He used it on his own for a while until it was stable enough to share with others.

“I don’t consider myself a very good programmer,” he admitted. “I’m a hobbyist.”

But the site is on its fourth iteration and reached 50,000 users in summer 2018.

Why This Debt Payoff Planner Is a Powerhouse

Undebt.it’s DIY approach is what makes it stand out from the crowd of personal finance tools.

Unlike so many budgeting apps, Undebt.it doesn’t pull your financial information from your banks and credit cards. Instead, it has you gather information such as interest rates, balances and payment due dates, and manually enter them in the Undebt.it system.

From there, you can identify your monthly debt payoff budget and set up a snowball payment method to knock out small balances as quickly as possible.

Make a monthly payment? Log in and mark it off. Make an extra payment? Don’t forget to record it on your dashboard.

Along the way, you’ll watch your total balance — which lives in the upper right corner of your dashboard — decrease. Undebt.it identifies the month and year you’ll pay off your debt if you maintain your payoff schedule.

Although the website has a limited liability company, Donaldson considers it a side project that he works on in his spare time.

About 5% of his 50,000 users pay the $ 12 annual fee to access premium features such as customized debt payoff ordering, calendar views and the option of using the debt avalanche method. Donaldson also offers a private-label version for credit counselors and small-business owners.

When Donaldson started to build Undebt.it, he quickly learned that building a feature to allow users to connect their banking accounts would be difficult — and expensive. But it’s one of the top requests he’s gotten over the years.

“I’m always upfront with people that I’d have to charge a lot more,” he said.

Donaldson took a month off work this summer to develop that integration ability thanks to a programming feature offered through You Need a Budget.  He’s also working on developing a budgeting module for users.

What Debt Looks Like Beyond the Numbers

Who’s using the site to pay off their debt faster?

“I thought the audience was more like me, a Gen X male,” Donaldson said.

But when he looked at his site analytics during a redesign in 2014, he learned that his most frequent users are millennial women.

He estimates 8 out of 10 emails he gets are from younger women who have questions about using the site to be proactive about their student loan debt.

Donaldson said it’s important for people just starting to pay down their debt to strategize and know their balances and interest rates.

“Keep it simple,” he said. “Start with a plan. Work your way up. It gets better over time.”

Then, ever so casually when we spoke, he mentioned he had paid off his last credit card that day.

“It’s my first time with no credit card debt since being an adult,” he said.

When the payment cleared, he posted a screenshot on the Undebt.it Facebook page.

“After just about 25 years(!) of carrying a credit card balance, I finally paid off the last of them this week,” he wrote. “I hate to think how much I’ve wasted in interest, but it feels great to reach this milestone after all this time.”

His fans, of course, cheered him on.

Lisa Rowan is a senior writer at The Penny Hoarder.

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

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Become a child genius with this engineering kit

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Check out this Engineering kit by Smart Labs. With 50 different projects for your tot’s to explore, they will have fun becoming the next mad scientist of the family. 

Heads up: All products featured here are selected by Mashable’s commerce team and meet our rigorous standards for awesomeness. If you buy something, Mashable may earn an affiliate commission. Read more…

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Move Over Roger Federer. This Move Is the Real Upset at the U.S. Open 2018

The tennis world may be reeling over five-time U.S. Open champion Roger Federer’s unexpected loss to John Millman, ranked far below Federer at number 55, but fans at Arthur Ashe stadium know the real upset took place before the match—someone was spotted dipping chicken fingers into soda.

ESPN reportedly broadcast the abhorrent behavior during the Madison Keys-Dominika Cibulkova match-up at the Queens, N.Y. tennis championship on Monday afternoon and reporting the crime against chicken quickly overshadowed live commenting on the match on Twitter.

The woman’s preferred chicken tender pairing soon became the talk of social media, as she seemingly managed to gross out the entire internet with one dunk of deep-fried chicken. The offensive dipping picked up traction online as the shocking snack pairing went viral. Even trusted snack source @Faturday deemed it “mutant” behavior:

While this may be the first time Federer has ever lost to a player ranked outside of the top 50 at the U.S. Open, it’s also the first time that loss has been overshadowed by a chicken nugget.

Sports – TIME

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This $25 dash cam might be your best car accessory purchase yet

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Dash cams have become practically invaluable tools to have on the road. In the event of an accident or an altercation with another driver, a dash cam can be your best and only witness, and the Black Box 1080p Dash Cam is an excellent choice for only $ 25.

The Black Box features a built-in G sensor and motion detector, so it will automatically start recording in the event of a crash. It captures both video and audio in high definition 1080p with an impressive 120-degree field of vision, ensuring that no important detail is lost.  Read more…

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Get financial advice from experts with this collection of online classes

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Getting your finances in order is not easy. Not at all. Between a mortgage/rent, car payments, student loans, credit card debt, and impulsive purchases here and there, merely looking at your bank account may make you want to curl up in a corner, cry, and pray for the money gods to make it rain.

But wiping out your debt and getting good with money is not a pipe dream, so don’t think of yourself as a lost cause. The How To Fix Your Finances Bundle of online courses can be the key for you to get a better handle on your money and acquire improved financial habits. Read more…

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Aspiring Editors: Apply for This $3K Scholarship from ACES by Nov. 15


College juniors and seniors: Are grammar and spelling your thing? Do you value precise language and error-free copy?

If so, then these scholarships from the ACES Education Fund may be for you.

ACES: The Society for Editing is sponsoring six scholarships for students committed to a career editing written materials. Prizes range from $ 1,500 to $ 3,000, plus financial aid to attend the national ACES conference.

What ACES Scholarships Are Available?

The ACES Education Fund’s Bill Walsh scholarship provides $ 3,000 to the winner, plus financial aid to attend the ACES national conference. The scholarship is named in memory of the longtime Washington Post copy editor who died in 2017.

The winner must be an aspiring news editor who displays the talent and devotion to the craft that Walsh had, according to ACES guidelines.

The ACES Aubespin scholarship prize is $ 2,500 for the top winner and $ 1,500 for four runners-up. Those selected must show a commitment to a career in editing.

The scholarship is named in honor of Merv Aubespin, a retired artist, reporter and editor at the Courier Journal in Louisville, Kentucky, and a former president of the National Association of Black Journalists.

Applicants can apply for both the Bill Walsh and Aubespin scholarships but can win only one.

How to Apply for an ACES Bill Walsh Scholarship

Applicants must be college juniors, seniors or graduate students enrolled in the summer and/or fall terms of 2018. Students don’t have to major in a particular subject.

To apply:

  • Send a resume showing academic achievement and examples of your editing.
  • Provide three references, who can be teachers or work supervisors.
  • Write an essay of 500 words or less as if you are a copy editor who has been working in a newsroom at a mid-size city for six months. The scenario you must respond to is involved, so you should get the details on the ACES website.
  • Edit a sample introductory paragraph of a news story found on the website.
  • Write three headlines for three separate paragraphs of material posted on the website.
  • Use Word or PDF attachments to email your completed application, with “Walsh scholarship” in the message field, to alex@aceseditors.org.

Applications must be mailed by the end of the day on Nov. 15, 2018.

How to Apply for an ACES Aubespin Scholarship

Applicants must be degree-seeking and enrolled as college juniors, seniors or graduate students during the summer and/or fall 2018 semesters.

To apply:

  • Submit a resume showing academic and editing achievement and information on other achievements, activities and interests.
  • Provide three references, who may be teachers or work supervisors.
  • Explain what question you would pose at a conference of 700 editors and why.
  • Write three headlines for three separate paragraphs of material posted on the ACES website.
  • Using Word or PDF attachments, email your completed application, with “ACES scholarship” in the message field, to alex@aceseditors.org.

Applications must be mailed by the end of the day on Nov. 15, 2018.

Susan Jacobson is an editor at The Penny Hoarder.

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

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This Simpsons Episode Had a Sneaky Mistake You Probably Missed

When you’ve been on the air for 29 seasons like The Simpsons has, there are bound to be a few slip-ups with the narrative’s continuity, something that the creators often take in stride. A pretty significant blunder, however, was recently re-discovered by executive producer Matt Selman, who took to social media on Wednesday to reveal the sneaky mistake on the beloved show.

In episode 13 of the sixth season, Marge tells Homer that she’s pregnant with Maggie, but keen-eyed viewers like Selman will notice that a picture of baby Maggie hangs on the wall behind Marge even though technically Maggie hasn’t been born yet.

Selman’s discovery prompted a response from The Simpsons writer Al Jean.

And led to many speculations about the repercussions of the mistake.

 


Entertainment – TIME

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October 31 Is the Deadline to Enter This $30K Scholarship Essay Competition


Election Day is two months away, and the Veterans of Foreign Wars, or VFW, has two timely contests that will make reflecting on the importance of voting and patriotism worth some lucky students’ time.

The first is a scholarship competition for students in grades nine through 12. Entrants must submit what the VFW calls an “audio essay.” This year’s topic is: “Why My Vote Matters.”

The second, dubbed Patriot’s Pen, is a written essay contest for grades six through eight on “Why I Honor the American Flag.”

Voice of Democracy ‘Why My Vote Matters’ High School Contest

The 2018-19 patriotic-themed scholarship contest is part of the VFW’s Voice of Democracy program, founded in 1947. Nearly 40,000 students enter annually to try to capture a portion of the $ 2.1 million in scholarships available, according to the VFW.

The national first-place winner in the Voice of Democracy “Why My Vote Matters” contest will receive a $ 30,000 scholarship paid directly to the recipient’s college, university, vocational or technical school, which must be in the U.S.

Other awards range from $ 1,000 and an all-expense-paid trip to Washington, D.C., to $ 16,000.

How to Enter the VFW’s Voice of Democracy Scholarship Contest

Students at any public, private or parochial school in the U.S. or its territories who are in ninth through 12th grade by the Oct. 31 deadline are eligible. Home-schooled students can also enter.

Applicants must download the Voice of Democracy entry form and brochure, record their essay on an audio CD or a flash drive and submit it — along with a typed script — to their local VFW post. The audio essays must be between three and five minutes (plus or minus five seconds) — and no music, poetry, singing or sound effects are allowed.

How Will the Entries Be Judged?

Points will be awarded based on the following criteria:

  • Originality: 30 points. Imagination and human interest are important.
  • Content: 35 points. Ideas should be expressed in a clear and organized way. The theme should be fully developed, and transitions from one idea to the next should be smooth.
  • Delivery: 35 points. Speak clearly and credibly.

Entries must be submitted to a participating VFW post. The deadline is Oct. 31, 2018. If you need help finding a post, contact your state VFW office.

You can read the rules and eligibility requirements and download an entry form here.

You can listen to the winning speech from the 2017-2018 contest here.

Patriot’s Pen Essay Competition for Middle Schoolers

The 2018-19 Patriot’s Pen contest is open to students in sixth through eighth grade (in U.S. public, private, parochial or home schools) and is designed to encourage a better understanding and appreciation of the country, the VFW says.

Entrants must submit a 300- to 400-word essay (plus or minus five words) on “Why I Honor the American Flag.” Read the rules and eligibility requirement for Patriot’s Pen Competition here.

Prizes start at $ 500 and peak at $ 5,000 — plus an all-expense-paid trip to Washington, D.C. — for the national first-place winner. A total of $ 54,500 in awards is available nationally.

More than 132,000 students competed in the 2017-18 competition. You can see that year’s winner read her essay here, although essays for this contest need to be submitted in writing only.

What to Include in an Essay Entry

Essays will be judged on the understanding, development and presentation of the theme: “Why I Honor the American Flag.” The VFW recommends a positive viewpoint, so this probably isn’t a good time for a political rant.

  • Knowledge of the theme: 30 points. Demonstrate that you have done thorough research.
  • Theme development: 35 points. Answer fully, and relate the theme to your own experience.
  • Clarity of ideas: 35 points. The writing should be clear and your explanation of the theme easy to understand.

Entries must be submitted (along with a completed entry form) to a sponsoring local VFW post.

The deadline for this contest is Oct. 31, 2018.

Susan Jacobson is an editor at The Penny Hoarder.

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

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The Surprising Way This Retired Army Master Sergeant Deals With Stress

Andre Rush is a retired Army Master Sergeant and former senior enlisted aide and adviser to the superintendent of the United States Military Academy at West Point. An outspoken advocate of self-care, he practices what he preaches by sticking to a clean diet and ‘crushing’ a regular fitness routine that includes bench pressing 700 pounds and knocking out 2,222 push-ups.

But there’s much more to Rush than meets the eye: He is also a master chef, expert cake decorator, and ice sculptor who has helped prepare delicious meals for US presidents for the last two decades. Even more compelling is his relentless desire to serve others and make the world a better place for all to thrive.

In an interview, Rush discusses how cooking helps him manage stress and navigate the demands of his multifaceted career.

Your professional trajectory is pretty impressive. What inspired you to join the military?

My inspiration for the military came at a very young age. I always knew I wanted to accomplish something ‘bigger’ in terms of serving others. I realized rather intuitively that serving this great country, both near and afar, frankly, is about as ‘big’ as it gets.

With President Barack Obama

How did your military experience, particularly while serving at the United States Military Academy at West Point, challenge you to move outside of your comfort zone?

Serving at the military academy at West Point, was, by far, my most challenging and rewarding assignment. The very nature of my work often required that I execute core duties as an ‘army of one.’ I had substantial responsibilities and was expected to function at a high level with little to no supervision. During the course of my tenure, I discovered that the Military Academy at West Point represented a uniquely powerful opportunity to learn, grow, and serve. While the expectations were extraordinary, so were the rewards. And to be sure, there is no place like it anywhere in the Army (or the world, really) for that matter.

Despite taking on regular duties as the senior enlisted aide and adviser to the superintendent, I was also in charge of a large segment of the accounting, which included performing rigorous audits for seven-year intervals. Additionally, I was involved in the overall training, development, and mentoring of cadets. To my chagrin, there was also a resident ghost, Molly, who occupied my quarters and kept things interesting—and me a bit out of my comfort zone.

Because of your varied and high-level responsibilities, you were no stranger to stress. How did you discover cooking could be a way to cope with such stress?

That’s a great question. Actually, I didn’t realize that cooking translated to coping right away. One day, though, it dawned on me that after nearly every stressful event, I ended up making an abundant amount of food. I eventually realized that cooking calmed me down, allowed me to think and redirect any negative energy. It made me happy.

Chef Rush at the White House supervising meal prep

Can you describe a specific instance where cooking helped you to cope with a particularly stressful situation?

There was a time when a soldier committed suicide…I cooked for days and didn’t want to stop. The process helped me let go, regroup, and gain the closure I needed.

What is your best advice for someone dealing with workplace stress or other areas of their life that consistently conjure up pain or anguish?

Talk to someone. There’s nothing courageous about grappling with stress, grief, or depression alone. Feeding your ego and suffering in silence does not serve you; it only hurts you in the end. Think about the things that truly matter: your kids, family, friends and your quality of life…what brings you joy and how you can bring joy to others. Remember that stress is an inevitable part of our lives, and not all stress is bad. However, what is most important is how you choose to deal with it. And your choice can either enhance or diminish the overall quality of your life. Choose wisely.

The post The Surprising Way This Retired Army Master Sergeant Deals With Stress appeared first on Black Enterprise.

Career | Black Enterprise

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This $400 Tote Is Made of Mushrooms, Not Leather

PARIS — Lab-grown alternatives to leather are inching closer to becoming a market reality. Among the latest advances in the field, Californian materials innovation start-up Bolt Threads has launched the first “commercially available” product made from Mylo, a leatherlike material made using mycelium, the underground root structure of a mushroom.
Available for preorder today on Kickstarter is a utilitarian unisex tote made from the biomaterial, designed with Portland-based brand Chester Wallace. Deliveries will begin in spring 2019.
It’s just a taste of things to come. The Mylo material was already used in the Falabella Prototype 1 handbag designed by Stella McCartney, on display in the V&A show “Fashioned From Nature” in London. But Bolt Threads is still in the process of refining and perfecting the process before it can produce big-volume commercial quantities.
“There is incredible demand out there for leather alternatives that are not a petro-chemical,” said Jamie Bainbridge, vice president of product development at Bolt Threads, adding that Mylo in the near future will pop up in a number of segments, not just the leather goods field.

Bolt Thread’s Jamie Bainbridge. 
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Known for its synthetic spider silk, a silk protein created through a process of fermentation, Bolt Threads has emerged as one of the most prominent players

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Why NFL ratings could fall even further this season

NFL ratings are facing yet another brutal blitz this fall — and few pundits are betting that they won’t get sacked. With ratings having plunged 8 percent in 2016 and nearly 10 percent last year, experts say this season’s ratings could fall even faster as the league continues to grapple with a slew of ugly…
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Big Brother’s Steve Calls Out JC for Making Fun of Him: ‘This Is Just Silly’

Steve Arienta Responds JC Monduix Comments Appearance Big Brother
Steve Arienta and JC Monduix. Sonja Flemming/CBS (2)

Big Brother’s Steve Arienta may have been eliminated during the first week of the reality show this season, but he isn’t going to stand by and let houseguest JC Mounduix get the last laugh at his expense.

After a clip from the online live feed surfaced on Saturday, September 1, showing Mounduix poking fun at Arienta’s “flat nose” during a game of “would you rather,” the former castmate responded.

“To everyone out there that was born unique, do not fret what other’s ever say about you,” Arienta tweeted alongside the video. “Yes, I have a flat nose, and a flat profile. I have always had it. Born with it. Proud of it. That has never defined me as a person. This is just silly. #BB20”

In the clip, Mounduix can be seen asking other members of the house if they’d rather have Arienta’s nose that he’s “pretty sure has some respiration problems,” or Haleigh Broucher’s “mole.”

This isn’t the first time Mounduix has come under fire for things he’s said and done during his stint on the CBS reality series’ 20th season. Most recently, the 28-year-old Miami native was accused of sexual misconduct toward Tyler Crispen and Broucher, 21, when he was spotted caressing Crispen’s arm.

The show’s executive producers Allison Grodner and Rich Meehan released a statement to Us Weekly on August 31, regarding the alleged incident.

“The expression of viewer concerns regarding JC Mounduix’s behavior was reviewed immediately. All video was examined in its entirety,” the statement read. “We spoke with all three of the houseguests separately in detail about the incidents. Tyler and Haleigh explained to producers that they in no way felt threatened, unsafe or sexually harassed.”

Groden and Meehan continued: “If there was any indication from our houseguests of sexual misconduct, we and CBS would have taken immediate action. The safety and security of our houseguests is and will continue to be our top priority.”

Prior to the misconduct accusations, Mounduix turned heads with his inappropriate behavior, including opening the bathroom door while Broucher was using it. In July, viewers of the popular show called him out for placing an ice cream scooper near one of his female castmate’s private parts.

However, it hasn’t just been his actions that have made headlines. Mounduix was also openly called out by houseguests for misusing #MeToo, a sexual harassment awareness term, as well as using the N-word during a live feed in July.

CBS released a statement to Us in July warning members of the show of consequences for actions like this in the future.

“Big Brother is a reality show about watching a group of people who have no privacy 24/7 — and capturing every unfiltered moment and conversation in their lives. At times, the houseguests reveal prejudices and exhibit behavior that we do not condone,” the statement read. “The producers have addressed two such incidents that were seen recently on the 24/7 online feed. In both cases, those involved have been warned about their inappropriate behavior and offensive comments, as well as future consequences. These events will not be part of any future Big Brother broadcast on CBS.”

Big Brother airs on CBS Sundays at 8 p.m. ET, and Wednesdays and Thursdays at 9 p.m. ET.

Us Weekly

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This Week on Broadway for September 2, 2018: Labor Day, The Village Voice, Neil Simon

Peter Filichia, James Marino, and Michael Portantiere discuss Labor Day as it relates to theater, Neil Simon, and the closing of The Village Voice. Reviews include Days to Come @ Mint Theater Company, Hershey Felder As Irving Berlin @ 59e59, The Newsboys 5th Anniversary Reunion Concert @ Feinstein’s/54 Below, Newsies @ read more
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This water gun reloads itself

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Check out this sick water gun that is really stepping up the game. Spyra One water guns let you shoot individual water bullets to soak your friends and have a blast. The best part is that they reload themselves so you don’t have to slow down the fun!

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This is the first hands-on video with the most exciting upcoming smartphone of the year

Red Hydrogen One unboxing

A few weeks ago, Red delayed the release of its Hydrogen One smartphone to November 2nd and announced that early adopters that had already preordered the device could exchange their preorders for the “Houdini Development Model,” which would ship weeks earlier than the production model. The first Houdini units began arriving today, and popular YouTuber Marques Brownlee has already published a hands-on unboxing video.

We got to see the Hydrogen One from a variety of angles when Red shared the first official photos last week, but this is the first time we’re getting to see a (near) final version of the hardware in action.

Continue reading…

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  3. A big fake Moon is slowly making its way around the Earth

This is the first hands-on video with the most exciting upcoming smartphone of the year originally appeared on BGR.com on Sun, 2 Sep 2018 at 15:05:15 EDT. Please see our terms for use of feeds.


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This week’s 6 must-read books

Lake Success Gary Shteyngart (fiction, Random House) Hedge-fund manager Barry Cohen’s life has blown up rather spectacularly. His marriage is crumbling, he refuses to accept the autism diagnosis of their 3-year-old and he’s under investigation from the SEC. Fleeing the city and adulthood, he hops on a Greyhound bus, determined to reconnect with a college…
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This Couple Proves You Can Reach Your Financial Goals, $5 at a Time


In December 2017, my husband walked into our living room and made this declaration:

“We should save all our $ 5 bills for an entire year.”

I was shocked to hear these words come out of his mouth. Usually, I’m the one who conjures up wacky ideas for saving money, and he’s the one who rolls his eyes and grunts.

But he was excited, and he’s never excited about money. So I replied, “Let’s do it!”

The Strategy

We agreed to save all our $ 5 bills for 12 months. Since he came to me with the proposal at the end of December, we made it easy on ourselves and started on January 1,, 2018. On New Year’s Day 2019, we will count the money and see how much we have saved.

Every time we receive change in the form of a five, we put that bill in an envelope. The only reason we ever touch this envelope is to put in another five.

Here’s the thing. I wasn’t jazzed about this idea. I mean, come on, who uses cash anymore? This isn’t the 90s! We have debit cards, credit cards, Venmo… What will be next, my husband asking me to write a paper check?

I figured we would save around $ 20 per month.

But here’s what happened instead: We saved $ 220 in the first three months — just by stowing away our $ 5 bills.

Broken down monthly, we saved $ 90 in January, $ 60 in February and $ 70 in March. I guess we use cash more often than I thought!

How Did We Save Money?

A five dollar bill with wings on a chalkboard.
crazydiva/Getty Images

Now that I think about it, it actually makes sense that we use paper money occasionally.

In January, we paid for things using cash gifts we received from relatives for the winter holidays. My husband’s birthday is in March, and his parents gave him some money to celebrate.

Also, because I used to live in China and am currently a freelance writer, one of my clients is a Chinese company. I kept my Chinese bank account open when I moved back to America, and they pay into this account when they compensate me for pieces. Then I withdraw the money in American currency. (I realize this may sound weird and even illegal, but it’s not. I pay U.S. taxes on those earnings.)

As a result, we found ourselves making purchases with $ 20 bills. A lot. And receiving $ 5 bills back as change. A lot.

For those of you reading this and trying to decide if you want to try the $ 5 bill strategy, maybe you’re thinking, “This is stupid. Okay, maybe this lady uses cash a lot, but she’s not the norm. This would never work for me.”

I thought the same thing.

So I encourage you to give it a try. Sure, my payment situation from this Chinese client is definitely unusual, but many of us have unique situations. Maybe you fall into one of these categories:

  • You hold a job that provides you with cash tips, such as server, bartender or delivery person.
  • Loved ones give you cash as gifts on holidays.
  • Friends pay you back with bills instead of payment apps when you cover the cost of their drinks or dinner.
  • You prefer to pay with cash instead of a card so you can more immediately track your spending.

If any of those scenarios sound familiar, you could save money almost without noticing.

I often forget about our envelope full of bills. I don’t miss that $ 220. And if we keep going at this rate, we could save about $ 880 this year.

What Could We Do with $ 880?

Several hundred dollars won’t make us rich, but it could certainly ease our financial load. Here are some ideas for how we could spend $ 880.

Pay Off Student Loans

My husband owes quite a bit of money in student loans. Thankfully, because he’s in graduate school, he doesn’t have to start making payments until summer 2019.

But even though he doesn’t have to make those payments, interest is still accruing on his undergraduate loans. One loan has an interest rate of 6.8%, which is too high for my liking.

It would be a huge relief to pay off a chunk of that evil loan early.

Put Money in Savings

Ideally, the money in our savings account will go toward buying a home. We would like to buy a house by the year 2020. An extra $ 880 in savings would definitely boost our confidence and build momentum toward achieving this goal.

Contribute to Our Retirement Accounts

We contribute a little money to our IRAs monthly, but not as much as we would like. It would be awesome to be able to put $ 293 into each of our individual accounts, and the remaining $ 293 into our joint IRA account.

Who knows, maybe we will spread out this extra money among various areas. All that matters right now is that we aren’t missing those $ 5 bills. But on January 1, 2019, we’ll definitely feel the difference those bills will make in our lives.

How about you? Are you willing to save bills for a year? How about just six or three months, or even one month? See what an impact it can make.

Laura Grace Tarpley is a nomad and freelance writer who runs the blog Let’s Go Tarpley!, where she shares tips about budget travel and moving abroad. Follow her on Twitter @lgtarpley.

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

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If you’re interested in a career in coding and developing web projects, you’re going to need more than “a season of watching Silicon Valley” on your résumé. A solid foundation in technical skills is required as a minimum. But paying for several semesters of schooling is simply not feasible for a lot of people. 

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The 40 TV Shows You Have to Watch This Fall

This fall TV season promises to be the best in years. The medium continues to draw A-List stars: Julia Roberts appears in an Amazon drama called Homecoming, and Superbad co-stars Emma Stone and Jonah Hill team up for the mind-bending Netflix drama, Maniac. On the comedy side, Jim Carrey plays a Mr. Rogers type dealing with a mental break in Kidding, and Jennifer Garner is teaming up with the Girls writers to portray the vacation from hell in Camping.

Old favorites like Charmed and Murphy Brown are getting rebooted, while the cancelled revival of Roseanne is getting a spinoff called The Conners. Meanwhile, acclaimed showrunners like Mad Men’s Matthew Weiner, The Carmichael Show’s Jerrod Carmichael and House of Cards’ Beau Willimon are all rolling out new shows (The Romanoffs, Rel and The First, respectively).

Oh, and LeBron James will feature in this fall TV lineup too. Here are all the new fall TV shows to tune into, along with premiere dates and trailers.

John Johnson—HBO. Odell Beckham Jr., LeBron James, Maverick Carter, Michael Bennett on The Shop

The Shop

Aug. 28 on HBO

LeBron James is getting his own talk show, but it’s not quite like any talk show you’ve seen before. Set in a barbershop, James invites athletes and artists to debate questions like whether a football player or basketball player should be named the greatest of all time. Guests include Draymond Green, Snoop Dogg and Candace Parker.

MAYANS M.C. -- Pictured: JD Pardo as EZ Reyes. CR: James Minchin/FX
James Minchin—FX MAYANS M.C.; JD Pardo as EZ Reyes.

Mayans M.C.

Sept. 4 on FX

Mayans M.C. is a spinoff of the Sons of Anarchy, which featured Charlie Hunnam. The new series centers on the Mayans motorcycle club, which played both rival and ally to the Reapers during the first show’s run. Ezekiel “EZ” Reyes (J. D. Pardo), a one-time Stanford student pulled into the gang world, emerges as the series’ star.

Kidding

Sept. 9 on Showtime

Jim Carrey finally returns to television to play a Mr. Rogers-type whose calming onscreen persona doesn’t quite match up with the anger and sadness he feels over a tragedy that occurred when the cameras were off. The show features an impressive cast that includes Judy Greer, Catherine Keener and Frank Langella.

REL: Lil Rel Howery in the special preview of the all-new “Pilot†episode of REL airing Sunday, Sept. 9 (8:00-8:30 PM ET/5:00-5:30 PM PT/LIVE to all time zones) on FOX.. ©2018 Fox Broadcasting Co. Cr: Ray Mickshaw/FOX
Ray Mickshaw—FOXLil Rel Howery in the special preview of the show REL airing Sunday, Sept. 9 on Fox.

Rel

Sept. 12 on Fox

A year after his beloved series, The Carmichael Show, was cancelled at NBC, writer Jerrod Carmichael is teaming up with one of the show’s stars, Lil Rel Howery, to write a new comedy. Howery added some essential levity to last year’s Get Out. Now he takes center stage as a man picking up the pieces of his life after a divorce.

AMERICAN HORROR STORY: CULT -- Pictured: Sarah Paulson as Ally Mayfair-Richards. CR: Frank Ockenfels/FX
Frank Ockenfels—FX. Sarah Paulson in American Horror Story: Cult.

American Horror Story: Apocalypse

Sept. 12 on FX

The storylines of Ryan Murphy’s hit anthology series, American Horror Story, are finally meeting. The creator has promised that Apocalypse will be a crossover between Murder House and Coven. Many of Murphy’s favorite actors will return for the season, including Sarah Paulson and Jessica Lange.

The First

Sept. 14 on Hulu

The First centers on the first human mission to Mars and stars Natascha McElhone and Sean Penn. Creator Beau Willimon has said the show celebrates the indomitable human spirit—unlike his more pessimistic series, House of Cards.

FOREVER
Colleen Hayes—Amazon Maya Rudolph in Forever.

Forever

Sept. 14 on Amazon

Master of None co-creator and Parks and Recreation writer Alan Yang teams with another Parks and Rec vet for a somewhat surreal series on the sustainability of marriage. Maya Rudolph and Fred Armisen star as a couple who live a rather routine—even dull—life when something unexpected occurs and the strength of their long-term commitment is tested.

NetflixBojack Horseman

BoJack Horseman

Sept. 14 on Netflix

The quietly brilliant though always bizarre BoJack Horseman returns to Netflix for a fifth season. This season, the show skewers Hollywood’s tendency to play off of actors’ real-life bad boy antics (including harassment and assault) by casting them as bad boys onscreen.

2
Netflix. American Vandal

American Vandal

Sept. 14 on Netflix

Don’t be fooled by the trailer: American Vandal is about more the poop. The true crime parody’s first season centered on the mystery of “who drew the dicks” on faculty cars in the parking lot, but evolved into one of the most clever comedies currently on TV. The second season promises to continue to examine the ethics of true crime journalism and our obsession with the genre—and also show some people pooping their pants.

Maniac

Sept. 21 on Netflix

Emma Stone and Jonah Hill reunite more than 10 years after Superbad for a buzzy, dark Netflix comedy directed by True Detective’s Cary Fukunaga. The actors play two patients in a trial for a drug that its inventor (Justin Theroux) claims will solve all emotional and psychological problems. Things get intriguingly weird.

9-1-1: L-R: Connie Britton, Oliver Stark and Angela Bassett in the all-new “Point of Origin†episode of 9-1-1 airing Wednesday, Jan. 31 (9:00-10:00 PM ET/PT) on FOX. CR: FOX. © 2018 FOX Broadcasting.
Fox. L-R: Connie Britton, Oliver Stark and Angela Bassett in the 9-1-1

9-1-1

Sept. 23 on Fox

Leave it to Ryan Murphy to conjure up the most over-the-top procedural imaginable. The show about the people who respond to emergencies—including cops, firefighters and EMTs—escalated to heart-pounding levels in its first season. Angela Bassett, Connie Britton and Peter Krause are likely to send us into full cardiac arrest in season 2.

Manifest - Pilot
Craig Blankenhorn—NBC. Josh Dallas and Jack Messina in Manifest

Manifest

Sept. 24 on NBC

Think of Manifest as Lost—but without the whole bit about getting stranded on an island. After a turbulent but routine plane ride, a group of passengers disembark to find out that while they felt they only spent a few hours in the air, the rest of the world has believed the flight to be missing for five years.

This Is Us - Season 2
Ron Batzdorff—NBC. Sterling K. Brown and Susan Kelechi Watson in This Is Us

This Is Us

Sept. 25 on NBC

The weepy show returns for a third season. The writers of the show have promised that after a season all about Jack’s death, the show will finally focus a bit more on his life. That’s not to say This Is Us is suddenly turning into a comedy. Between Toby’s (Chris Sullivan) depression and anxiety-inducing flash-forwards featuring Randall (Sterling K. Brown), fans are sure to shed plenty of tears.

Richard Cartwrigh—ABC. (l-r) Kimrie Lewis, Jake Choi, Leighton Meester and Brad Garrett in Single Parents

Single Parents

Sept. 26 on ABC

New Girl creator Elizabeth Meriwether has joined forces with another alum of her show, J.J. Philbin, on a new comedy. The show features a group of single parents who rely on each other as a support system and stars Gossip Girl’s Leighton Meester and Saturday Night Live’s Taran Killam.

A Million Little Things

Sept. 26 on ABC

Since This Is Us became a megahit, every network has scrambled to find a similar tearjerker. A Million Little Things fits that bill. The show begins when a tight-knit group of friends, who have since drifted apart, find out that one of their group has committed suicide. The life-altering news brings the group back together. The trailer even hints at a mystery as the group tries to figure out why their friend took his life.

Robert Tractenberg—CBSMultiple Emmy Award winners Candice Bergen and series creator Diane English reunite for MURPHY BROWN, the revival of the ground-breaking comedy about the eponymous broadcast news legend and her biting take on current events, now in a world of 24-hour cable, social media, ‘fake news’ and a vastly different political climate.

Murphy Brown

Sept. 27 on CBS

Twenty years after it went off the air, the groundbreaking comedy is returning to television. Candice Bergen’s Murphy is still a journalist—though now she has her own talk show. Creator Diane English has said she’s already written episodes for this season that take on the immigration debate, #MeToo and President Donald Trump.

The Good Place - Season 2
Colleen Hayes—NBC. Kristen Bell and Jameela Jamil in The Good Place

The Good Place

Sept. 27 on NBC

When Parks and Recreation creator Michael Schur first pitched The Good Place, he proposed a light comedy with the twists (and ethical weight) of Lost. Somehow, he’s managed to pull that off for two seasons of hilarious and surprising television with Kristen Bell leading an impressive ensemble cast. Heading into season 3, The Good Place continues to be one of the best comedies on television.

I Feel Bad

Oct. 4 on NBC

With every fall season comes a glut of new family comedies, most of which don’t exactly work. But Aseem Batra’s new show has a seal of approval from a beloved comedian: Amy Poehler acts as executive producer. The series centers on a mother who feels bad about falling short of her too-high standards for herself as a mother, wife and boss. Blockers‘ Sarayu Rao stars.

Hulu

Into the Dark

Oct. 5 on Hulu

Blumhouse (the producers behind Get Out and The Purge) has teamed up with Hulu for a horror anthology series. A new episode of Into the Dark will drop the first Friday every month, and each episode will be feature-length. That means Blumhouse is essentially promising a horror movie of the month club. The first episode is set on Halloween and focuses on a hitman who carries around the body of one of his victims as a “costume.”

Richard Cartwright—ABC. Constance Wu and Randall Park in Fresh Off the Boat

Fresh Off the Boat

Oct. 5 on ABC

Fresh off Crazy Rich Asians, Constance Wu returns to the 90s set sitcom to play opposite Randall Park. Even heading into its fifth season, Fresh Off the Boat remains one of the most consistently funny comedies on TV, and Wu’s rising star power will hopefully bring even more viewers to the worthy show.

Seth Gilliam as Father Gabriel Stokes, Pollyanna McIntosh as Jadis/Anne, Andrew Lincoln as Rick Grimes, Danai Gurira as Michonne, Alanna Masterson as Tara Chambler - The Walking Dead _ Season 9, Episode 1 - Photo Credit: Jackson Lee Davis/AMC
Jackson Lee Davis—AMC. Seth Gilliam, Pollyanna McIntosh, Andrew Lincoln, Danai Gurira and Alanna Masterson in The Walking Dead

The Walking Dead

Oct. 7 on AMC

The zombie series marches into its ninth season. AMC has already teased that the show’s original hero Rick Grimes (Andrew Lincoln) will exit at some point this season, but they’re not revealing how or when.

All American

Oct. 10 on The CW

Think The O.C. meets Friday Night Lights: A talented football player from South Los Angeles earns the chance to play football at Beverly Hills High, and his friends and family clash as the two worlds collide. The show is based on the real-life story of pro football player Spencer Paysinger. Taye Diggs stars at the Beverly Hills High coach.

Riverdale -- "Chapter Thirty-Four: Judgment Night" -- Image Number: RVD221b_0134.jpg -- Pictured (L-R): KJ Apa as Archie and Charles Melton as Reggie -- Photo: Katie Yu/The CW -- © 2018 The CW Network, LLC. All Rights Reserved.
Katie Yu—The CW Network KJ Apa and Charles Melton in Riverdale

Riverdale

Oct. 10 on The CW

Heading into its third season, the twisted teen drama will branch out from the core group (Archie, Veronica, Betty and Jughead) to explore the lives of supporting characters like Moose, Cheryl and Josie. The season will also feature a flashback episode about the Riverdale parents that spoofs The Breakfast Club.

The Romanoffs

Oct. 12 on Amazon

Mad Men creator Matthew Weiner premieres a new anthology series with a star-studded cast that includes Amanda Peet, Aaron Eckhart, Kathryn Hahn, Christina Hendricks, Corey Stoll and John Slattery. Each episode will feature a different story and different cast of characters. The one uniting theme: Many of the characters believe themselves to be descended from the Russian royal family, the Romanoffs. Talk about delusions of grandeur.

Tyler Golden—The CW Network. Rachel Bloom and Scott Michael Foster in Crazy Ex-Girlfriend

Crazy Ex-Girlfriend

Oct. 12 on The CW

Crazy Ex-Girlfriend enters its fourth and final season this fall. The show has tackled issues like mental health and feminism with hilarious and sharp musical numbers. If neither jazz hands nor searing social commentary intrigues you, then check out the show because it’s an engrossing love triangle plot that never loses steam.

Camping

Oct. 14 on HBO

Girls creators Lena Dunham and Jenni Konner adapt a British television series about a couple that celebrates the husband’s 45th birthday by planning a camping trip with a group of friends. Things inevitably go awry. Jennifer Garner hasn’t starred in a TV series since Alias and her welcome return will be bolstered by the talented David Tennent.

Charmed -- "Pilot"-- Image Number: CMD101c_0494rb.jpg -- Pictured (L-R): Melonie Diaz as Mel Vera, Sarah Jeffery as Maggie Vera and Madeleine Mantock as Macy Vaughn -- Photo: Katie Yu/The CW -- © 2018 The CW Network, LLC. All Rights Reserved
Katie Yu—The CW Network. Melonie Diaz, Sarah Jeffery and Madeleine Mantock in Charmed

Charmed

Oct. 14 on The CW

Charmed is getting a reboot from creators who previously wrote for Greek and Jane the Virgin. This version will feature a multiracial family (they share a mother, but each of the three witch sisters have different fathers) and a lesbian main character. The pilot episodes, which aired at Comic Con, also implied that the three witches earned their powers to fight the patriarchy at this moment because the “weakest man” had taken over the office of president.

Heidi Gutman—ABC. Kate McKinnon and Alec Baldwin on The Alec Baldwin Show

The Alec Baldwin Show

Oct. 14 on ABC

Alec Baldwin has been hosting an interview podcast called Here’s the Thing for years. His new talk show aims to adapt that model for television. The weekly show will feature lengthy sit-down interviews with celebrities. A pilot episode with Jerry Seinfeld and Kate McKinnon as guests aired last spring.

Greg Gayne—ABC/Getty ImagesJohn Goodman (left) as Dan and Laurie Metcalf (right) as Jackie, in the episode “No Country for Old Women” of Roseanne will reprise their roles in The Conners this fall.

The Conners

Oct. 16 on ABC

The revival of Roseanne was cancelled after its eponymous star made racist comments on social media earlier this year. But some of her family members are remaining on the air. ABC confirmed that a Roseanne spinoff starring Laurie Metcalfe as Jackie, John Goodman as Dan and Sara Gilbert as Darlene will air this fall. ABC executives have said the show will deal with a number of the same thematic issues, including financial struggles, but they have remained mum on how the show will explain the character of Roseanne’s absence from the series.

MARSAI MARTIN, YARA SHAHIDI, ANTHONY ANDERSON, LAURENCE FISHBURNE, JENIFER LEWIS, TRACEE ELLIS ROSS, ANNA DEAVERE SMITH, MILES BROWN

Ron Tom—ABC. (l-r) Marsai Martin, Yara Shahidi, Anthony Anderson, Laurence FIshburne, Jennifer Lewis, Tracee Ellis Ross, Anna Deavere Smith and Miles Brown in black-ish

Black-ish

Oct. 16 on ABC

Black-ish continues to thrive on ABC even as it tackles difficult personal issues like the ups and downs of the relationship between Bow (Tracee Ellis Ross) and Dre (Anthony Anderson). You may cry as much as you laugh watching this show. But Black-ish was the only network show nominated for a Best Comedy Emmy this year in part because of its unflinching effort to tackle issues of race and gender on a consistent basis.

1
Diyah Pera—NetflixKiernan Shipka in The Chilling Adventures of Sabrina

The Chilling Adventures of Sabrina

Oct. 26 on Netflix

This isn’t your older sister’s Sabrina. This Sabrina was conjured up by Roberto Aguirre-Sacasa, who penned the dark comic book upon which this new Netflix series is based. He’s also responsible for the CW’s Riverdale, and Aguirre-Sacasa’s Sabrina is as dark, angsty, and dangerous as the characters on that breakout teen drama. Mad Men‘s Kiernan Shipka plays the half-witch torn between her human friends and her mystical calling. And don’t worry: Salem the cat is there to help her decide whether to worship Satan or fight him.

Tasos Katopodis—2017 Getty Images. Hasan Minhaj attends the 2017 White House Correspondents’ Association Dinner

Patriot Act with Hasan Minhaj

Oct. 28 on Netflix

Hasan Minhaj, until recently a senior correspondent on The Daily Show, caught the world’s attention with his White House Correspondents Dinner speech in 2017. Now, he’s leaving The Daily Show to host his own weekly comedy show about politics on Netflix.

Sophie Mutevelian—BBC. Tosin Cole, Jodie Whittaker, Bradley Walsh and Mandip Gill in Doctor Who

Doctor Who

October on BBC America

Finally, there’s a female Doctor Who. Jodie Whittaker stars as the time-traveling hero in the 11th season of the beloved sci-fi series. At Comic-Con, the writers acknowledged that time travel could be more fraught for a woman visiting time periods where women had little independence. While shows of yesteryear might have dreamily ignored those inconveniences, Whittaker has promised the show will tackle the historical repression of women head-on.

Homecoming

Nov. 2 on Amazon

Julia Roberts makes her debut as the lead character in a television series with Homecoming, a psychological thriller based on the popular fictional podcast of the same name. Roberts plays a caseworker who tries to help a soldier reintegrate into civilian life. Mr. Robot creator Sam Esmail lends his eerie aesthetic to the episodes as director.

6
David Giesbrecht—Netflix. Robin Wright in House Of Cards Season 6

House of Cards

Nov. 2 on Netflix

House of Cards returns for its final season, and this time Robin Wright’s Claire Underwood sits in the Oval Office. It’s unclear how exactly the show will deal with the sudden departure of Kevin Spacey after allegations of sexual assault were levied against him. But many are eager to see Wright—who has always stood out in this role—step onto center stage alone. Diane Lane and Greg Kinnear also join the cast.

Outlander 2014
Neil Davidson—Sony Pictures Television

Outlander

Nov. 4 on Starz

The fourth season of Starz’s signature show will follow the fourth book in Diana Gabaldon’s bestselling Outlander series, Drums of Autumn. Claire (Caitriona Balfe) and Jamie (Sam Heughan) try to find a safe place to settle in North Carolina even as the time-traveling Claire warily anticipates the American revolution. Also, there will be an adorable dog named Rollo.

1
Mike Yarish—Netflix. Alan Arkin and Michael Douglas in The Kominsky Method

The Kominsky Method

Nov. 16 on Netflix

Prolific producer Chuck Lorre (Two and a Half Men, The Big Bang Theory) brings his next show, starring Michael Douglas and Alan Arkin, to Netflix. Douglas plays a once-successful actor whose star has waned and now has to make a living as an acting coach. Arkin is his agent and friend.

Escape from Dannemora

Nov. 18 on Showtime

An unrecognizable Patricia Arquette stars opposite Benicio del Toro and Paul Dano in a new series inspired by the real prison break that dominated headlines in 2015. Arquette’s character is a married prison employee who becomes romantically involved with two inmates and helps them escape the Clinton Correctional Facility. Ben Stiller directs all episodes of the limited series and will presumably infuse some humor into this rather dark story.

Florence Pugh as Charlie Ross, Alexander Skarsgård as Becker - The Little Drumer Girl _ Season 1, Episode 1 - Photo Credit: Jonathan Olley/AMC/Ink Factory
Jonathan Olley—AMC/Ink Factory. Florence Pugh and Alexander Skarsgård in The Little Drummer Girl

The Little Drummer Girl

Nov. 19 on AMC

Following the success of The Night Manager, AMC and BBC are teaming up to adapt another John Le Carré spy novel: The Little Drummer Girl. An English actor (Florence Pugh) meets an intriguing stranger (Alexander Skarsgård) on a trip to Greece but is soon dragged into a complex plot orchestrated by an Israeli spymaster (Michael Shannon).

Ludovica Nasti and Elisa Del Genio in My Brilliant FriendEduardo Castaldo—HBO

My Brilliant Friend

November on HBO

The elusive Elena Ferrante’s celebrated Neapolitan novels are getting an adaptation on HBO. The series about two friends whose relationship evolves over several decades was shot entirely in Italian and co-produced with an Italian network. The show will last four seasons, one for each of Ferrante’s books.


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Take a national parks road trip this summer

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The United States is home to so many amazing national parks. The Grand Canyon, Yellowstone, Yosemite – they’re all filled with natural wonders that are worth checking out. Getting around to seeing all of these can be difficult though. When you can only take a week or two off at a time, you want to make the most of every opportunity. Fortunately, by going on a national parks road trip, you can explore more than a few of America’s best sights without having to miss out.

Why a road trip?

There’s so much to see in the United States, a lot of which we’ll never have time for in our lives. If we could spend our free time traveling instead of working or studying, then we gladly would. Unfortunately, we wouldn’t get very far on vacation without money to fund everything.

By going on a road trip, you’re allowing yourself a chance to see more of the world without taking too much time away from your life at home. While you don’t always get to spend as long as you’d probably like to at each location, it’s still enough to see the wonders that each place has to offer. Plus, exploring America’s national parks on a road trip is much more exciting than simply flying out to visit somewhere. You’re likely to have a more memorable experience being out on the road with friends or family, and come away with a greater sense of accomplishment too.

Where exactly should you go on a road trip, though?

The Grand Circle

This road trip will take you through the states of Arizona, Nevada and Utah, focusing primarily on the latter as you explore national parks like Capitol Reef and Bryce Canyon. Across the space of two weeks, you’ll drive through much of Utah, with stops in Arizona for the all-important visit to the Grand Canyon. If you’re able to, you can stretch the road trip across a longer timeframe so that you can enjoy all that these places have to offer. Likewise, you can also shorten it to just one week, giving yourself enough time to see the national parks mentioned here, as well as Zion Canyon and Kaibab.

It’s recommended that you start somewhere like Las Vegas, although you could also begin in Salt Lake City or Phoenix. By opting for the former, you’ll also give yourself a chance to enjoy a day or two in Nevada’s famed Sin City.

Yellowstone & Arches

If you want a bit of variety with your road trip, why not give the Yellowstone & Arches road trip a try? You’ll explore a good number of states, including Colorado, Wyoming and Idaho, as you move from the Arches National Park to the Dinosaur National Monument. The biggest attraction on this route is Yellowstone National Park, home to the United States’ largest supervolcano. The presence of the Yellowstone Caldera has resulted in many attractive geothermal features, such as the Old Faithful geyser and Grand Prismatic Spring that many visitors love to see.

Yosemite & Big Sur

For an experience around California, this is the road trip to try out. It’ll take you to Yosemite National Park, home to a landscape sculpted by ancient glaciers where every corner is perfect for a photo. Yosemite Valley, Nevada Falls and the Cathedral Range are all places of interest here, so you’ll want to stick around long enough to get a good look at the national park. There are plenty more places to see on this road trip, though, including Sequoia Canyon, Point Reyes and Big Sur. If you want to spend a day relaxing by the coast during your travels, the latter will give you somewhere to chill out.

Everyone needs to go on vacation at some point, especially when things at home are stressing you out. Road trips might not offer you the chance to completely shut off from the world, but they’ll give you an experience you won’t soon forget.

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The post Take a national parks road trip this summer appeared first on Worldation.

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183 Labor Day Sales to Shop This Weekend

Summer ’18 went by in the blink of an eye, and now we’re left with one final sun-soaked hurrah. While some of us plan on spending the Labor Day holiday grilling and chilling with friends and family, others of us — the deal-seeking set — are planning our sales attack. For the latter discount thirsty …

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A Snail’s Place: catch Brighton’s latest charitable art trail this autumn

Move over Snowdogs, the SnailSpace trail is taking to the streets of Brighton in aid of the Martlets, proudly sponsored by artrepublic.

Take to the Snailspace trail, in Brighton this autumn

You see plenty of interesting things on the streets of Brighton every day, and even more so during Festival season. But few things have captured the community’s attention or spirit recently quite like the Snowdogs that popped up on pavements across town in 2016, drawing visitors from far and wide. After three months, the 44 artist-designed sculptural dogs were auctioned off, raising more than £300k for the Martlets Hospice. But since then we’ve missed the colour they bring to our seaside city, so we were very excited when the latest trail was announced.

Yes, that’s right. A new trail based around a troop of snails – aka the SnailSpace trail – will be surfacing by the seaside from 15 September to 18 November, to show off a series of snazzy shells (is that enough alliteration in one sentence for you?). Once again each sculpture has been sponsored by a local business, with their shells designed by one of a troop of charitable artists. Of course, artrepublic Brighton signed up straight away to sponsor a snail, which has been designed by one of our very own artists, Eelus.

Taking inspiration from his love of books and the storytellers that fuelled his imagination as a child, Eelus’ snail portrays his own fantastical tale: of a renowned (and feared) French chef Jacques Le Méchant, a cunning cook who has devised a way to infiltrate Snail Kingdom in search of the tastiest snails for his famous restaurant ‘L’Escargot Fantaisie’! Let’s hope his presence doesn’t make it too hard to track down the local delicacies… sorry design pieces.

 

To find out more about the SnailSpace trail, and how it benefits the Martlets, visit snailspacebrighton.co.uk. We can’t wait to join the snail hunt with you, Eelus and all the other local artists.

For more news stories and events visit our Brighton Gallery page

 

The post A Snail’s Place: catch Brighton’s latest charitable art trail this autumn appeared first on artrepublic blog.

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This ‘Black Lightning’ Actress Is Also a US Air Force Veteran

Imagine having the opportunity to put pieces of your life experience on the big screen and heal your wounds through the characters you play. That’s what happened for Air Force veteran Skye Marshall, best known for her role in the superhero series Black Lightning. She landed the role of Shonda Peterson in the movie Indivisible, an inspiring true story that speaks about the power of faith to uplift families—especially those who have been devastated by the aftermath of war.

 

“I have waited patiently for many years to finally book a military role so that I can represent true veterans and bring some authenticity to the characters I can play,” said Marshall, who has starred in the Lifetime biopic about Toni Braxton, Unbreak My Heart and can be seen as Kara Fowdy on the hit CW superhero series, Black Lighting.

 

“When I read the script, I was just blown away by how accurate the writing was when it comes to military families and members that are dealing with the struggles on and off the battlefield.”

 

Marshall, a classically trained dancer, has a background that positioned her perfectly for the role. “At age 5, I did ballet, jazz, tap. I was the tutu girl. I danced all throughout high school and in the marching band in college.” Marshall’s dance background helped her to learn choreography that required her to be able to take a man down while building the muscle memory needed to rehearse scenes for the movie.

 

The Black Lightning actress may have been a talented performer for decades, but her interest in joining the Air Force didn’t start until college. While at Hampton University, she made it her mission not to be a twenty-something-year-old with hundreds of thousands of dollars of student loan debt. So she enlisted in the Air Force where she received a full ride to cover all of her college expenses. “That was my initial decision as to why I joined the Air Force. Once I joined, I got to experience the community, and it was like summer camp for me.” However, when 9/11 came, her priorities shifted. “It wasn’t just about paying for college. I have to serve my country. And I don’t regret the experience.”

 

Playing the role of Shonda Peterson also allowed Marshall to heal wounds that she had left open. “Just reading the lines of Shonda, it was interesting. I was able to hijack my character’s line and heal myself through her expression. So the words she was able to say, I was able to internalize and process it to heal myself. I’m pretty much living through her experience.”

 

Then there comes a moment in your life when the dots connect and you realize everything you’ve been through has prepared you for the impact you want to have in society. “When I was in the military, I had a hidden dream of wanting to be an actor. I never thought that those two would ever collide,” says Marshall. “So for me to be able to put on this uniform and do what I love, by the grace of God that I have the opportunity and that I was prepared and ready for it, I am so proud to be able to represent not just those women who have the struggles that my character Shonda has but any all active members and family members that struggle with transition coming out of the service.

 

Indivisible will be released in theaters on Oct. 26.

The post This ‘Black Lightning’ Actress Is Also a US Air Force Veteran appeared first on Black Enterprise.

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Get real-world lessons that business school can’t teach you with this $10 online course

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It’s a popular belief that getting an MBA is the golden ticket to kickstarting a successful business, climbing the corporate ladder, or snagging a high-paying job that can buy you a vacation house in the Hamptons. And sure, you learn a great deal and become more business savvy when you immerse yourself in an MBA program, but there is still a large scope of practical skills that business school can fail to impart in its students.

Venture capitalist, professor, Goldman Sachs alum, and proud Columbia University MBA graduate Chris Haroun knows that, and it’s precisely the reason why he came up with the 101 Crucial Lessons They Don’t Teach You In Business School course — an e-learning package you can now get at the Mashable Shop for $ 9.99. Read more…

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The first reviews for Ryan Gosling’s Neil Armstrong biopic ‘First Man’ are out of this world

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That’s one small step from Whiplash, and one giant leap away from La La Land

Academy Award-winning director Damien Chazelle is moving away from musicals at light speed with the premiere of his historical drama, First Man, at the opening night of Venice Film Festival. 

And critics are loving it. 

The Neil Armstrong biopic stars Ryan Gosling as Armstrong, House of Cards‘ Corey Stoll as Buzz Aldrin, and The Crown‘s Claire Foy as Armstrong’s first wife, Janet Shearon. Based on early reviews, the star-studded cast is just one of the film’s many assets. Read more…

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DeSantis: Don’t “Monkey This Up” By Voting For Black Opponent

Drawing immediate condemnation as racist, Republican candidate for Governor of Florida Ron DeSantis urged voters not to “monkey this up” by voting for his African-American opponent.
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Victim of Accused Dine-n-Dash Dater Speaks: He Won’t Get Away With This

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Marjorie Moon’s date had warned her he was “big into food.” So when Paul Guadalupe Gonzales ordered a second round of lobster tails during their dinner at an upscale steakhouse in Glendale, California, she wasn’t too alarmed.

“I thought for a little guy, man, you sure do eat a lot,” Moon recalled of the May 2016 date.

Sure, there were a couple of minor red flags. He’d laid it on a bit thick during their meal at Lawry’s The Prime Rib, repeatedly gushing about her good looks and even telling their waitress what a lucky guy he was.

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Scouted: This Business School Course Covers What University Professors Miss

Getting an MBA can help you elevate your salary floor, but B-school’s dirty little secret is that their curriculums focus on theory rather than the fundamentals of business success. If you’re an entrepreneur ready to launch or looking to augment your theory-based education, you can learn practical basics from Columbia MBA-recipient and venture capitalist Chris Haroun, in his e-book, 101 Crucial Lessons They Don’t Teach You In Business School.

Named the most popular business book of the year by Business Insider, 101 Crucial Lessons covers management and sales best practices, navigating corporate politics, landing important meetings, and finding your ideal consumer base. Haroun parlays his experience working with magnates like Bill Gates and Warren Buffett to address the basic communication and interpersonal skills everyone needs to succeed in business — but that many MBA programs overlook. The 101 Crucial Lessons They Don’t Teach You In Business School course usually costs  $ 49.99 but Daily Beast readers can get it today for 80% off at just $ 9.99.

Scouted is here to surface products that you might like. Follow us on Flipboard. Please note that if you buy something featured in one of our posts, The Daily Beast may collect a share of sales.

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Tons of veteran TV stars are joining shows this fall

There are an unusual number of familiar faces joining the casts of returning fall shows this TV season. People you haven’t seen as regulars on the small screen for a while — including former “Cagney & Lacey” co-star Tyne Daly — have snared key roles on big primetime shows. Here’s a look at who they’ll…
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Izod to Expand to Europe This Fall

Izod has set its sights on Europe.
Beginning this fall, the venerable sportswear brand owned by PVH Corp. will expand into Spain, Germany, the Netherlands and Scandinavia.
This marks a return to the Continent for a brand that actually traces its history to London in the Thirties. That is when American businessman Vincent dePaul Draddy, while on vacation in the U.K., stumbled across Jack Izod’s bespoke tailoring boutique and purchased the rights to the name. It was initially called Izod of London.
From 1952 to 1993, Lacoste, the French brand founded by tennis great Rene Lacoste, was licensed to Izod and the polo shirts with the alligator logo were known as Izod Lacoste. After they parted ways, Lacoste retained its alligator logo and went more upscale while Izod employed a crest and was more moderately priced.
The Izod collection that will be sold in Europe will be the same classic American lifestyle pieces that are offered in the U.S. That includes shirts, polos, T-shirts, sweaters, heavyweight knits, pants, denim and outerwear.
“When looking to expand the presence of our classic Izod brand globally, we saw great opportunity in Europe,” said Ken Duane, chief executive officer of heritage brands for PVH.
Currently, Izod is only sold outside

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This robot can protect coral reefs by hunting invasive fish

Lionfish are incredibly eye-catching creatures, and they’re a favorite of salt water aquarium enthusiasts because they just plain look cool. They’re also an incredibly troublesome species when they are introduced in areas where they don’t belong, and coral reefs in the Caribbean are under serious threat from an invasion. Now, researchers from the Worcester Polytechnic…
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GlamGlow to Launch TropicalCleanse Daily Exfoliating Cleanser This Fall

GlamGlow is launching the TropicalCleanse Daily Exfoliating Cleanser, which is packed with superfruits and coming this fall. With fruit enzymes, pomegranate seeds, and goji berries to clean out clogged complexions, this upcoming launch is perfect for post-summer skin.
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Create professional training and demo videos in just minutes with this app

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Anyone who’s had to deal with customers recognizes the plight of explaining your product or service over and over again. And sometimes, you encounter customers so difficult that demonstrating something to them is trickier than helping your grandma understand how Instagram works. Don’t you think your life would be so much easier if you had a visual presentation to accompany your marketing spiel?

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Stop Holding Out for a Hero Because it’s This Theatrical Young Soccer Fan Everyone Loves

Another weekend, another legend born.

A hammy young soccer fan has made the absolute most of his fifteen minutes of fame as Marseille’s football team played against Rennes at the Orange Vélodrome stadium in southeastern France on Sunday.

The young Marseille fan was just supposed to do the ceremonial kickoff, according to ESPN. But he decided to run the length of the pitch and bury the ball in the net. And that’s before he really milked the moment.

Cameras captured the young boy’s hammy victory lap as the confident kid pulled numerous moves usually reserved for actual players in the game.

There he was tearing off his jersey, knee sliding on the turf, stretching out his arms, and beaming a million-watt smile directly at the camera.

The surprising moment made the crowd go absolutely wild, and it played well online too.

From the video of the adorable moment, it is obvious that the show was officially stolen and in possession of this up and coming soccer star.

He is also clearly a three-sport athlete who went above and beyond the French Ligue 1 ceremonial kickoff tradition. Specifically, he shows a lot of potential in the three athletic feats of goal scoring, jersey removal, and knee sliding.

See him show off below.

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This doctor survived a spinal injury. Now debt collectors are hounding him

This doctor made an amazing recovery after a surfing accident. What happened next? $ 30,000 in bills. 
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The tech world’s solution to menstrual awareness is this period emoji

Period Emoji

Every year, we get more and more emoji added to our iPhones and Android phones. They’re more diverse and politically correct than ever, and that’s not a bad thing. That’s why a period emoji, no matter how uncomfortable it may sound to some people, is a good idea.

It’ll be a while before any of the proposed images ever make into your emoji keyboard, but charities including Plan International UK and Plan Australia are already working on a campaign to create the emoji.

Continue reading…

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The tech world’s solution to menstrual awareness is this period emoji originally appeared on BGR.com on Sun, 26 Aug 2018 at 15:02:51 EDT. Please see our terms for use of feeds.


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