These Queer Women Don’t Care That Pete Buttigieg Is Gay—They Want a Female President

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He makes jokes about Grindr. He embraces his husband in public. He talks about coming out. It’s no surprise that Pete Buttigieg, the Democratic candidate running to be the first openly gay U.S. president, has earned support from across the LGBTQ spectrum. But for some queer women, the primary star is just another white man running for president.

With a record-breaking six women running in 2020, and Hillary Clinton’s bitter defeat still fresh on their tongues, a number of LGBTQ women told The Daily Beast they would simply prefer a female candidate.

“For me, being queer or lesbian, nominating a young, inexperienced white gay man is not my priority,” Duke University professor Ara Wilson told The Daily Beast. “The fact that we have not had women in that high office is, to me, much more marked, much more dramatic, and much more moving.”

Read more at The Daily Beast.

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The best shell bags out there, because you know you want one

I’m calling it: there is nothing in the sartorial world that is more wanderlust-enducing than a shell bag. There is something about the tinkling noise of shells and the texture of raffia that instantly brings lazy beach days to mind.

A natural extension of the shell jewellery trend from last summer, it serves up an equally nostalgic feel, you can totally imagine having made your own from pukka shells collected on the shore. And if you’re into that sentiment, then beaded bags will also bring you joy.

Shells were everywhere on the catwalk for the spring/summer 2019 shows. Risk-taking designers and brands such as Jacquemus, Michael Kors and Oscar de la Renta adorned their accessories with shells during fashion month, and it was love at first site.

Meanwhile, Insta-worthy brands like Marri London and Aranaz put their own twist on the classic basket bag thanks to giant gold-plated and delicate shells, and you can always count on the high-street for budget-friendly options too: we’re looking at you Mango and Zara.

But for all its souvenir appeal, don’t be fooled into thinking this is a holiday-only trend. The shell bag lends itself remarkably well to occasion dressing, and it’s the perfect finishing touch to a wedding guest outfit.

Don’t believe me? Look at Gucci’s mermaid-worthy crystal embellished shell bag or KAYU’s rattan clutch bag. WALD Berlin is also launching its own line very soon and it’s looking pretty spectacular.

That doesn’t mean you can’t put a casual spin on the trend either. Pairing it with a linen bermuda shorts suit and ugly sandals will give you a fresh, urban look, or you can keep things classic with a knitted top and trousers, Riviera-style. Either way, this is undoubtedly the bag of the season, and I can see it easily making its way into my autumn/winter wardrobe too.

Shop my edit of the best shell bags below.

The post The best shell bags out there, because you know you want one appeared first on Marie Claire.

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Want to learn Salesforce? These cheap online courses may be all you need.

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If there’s one skill that can add an extra kick to your résumé, it’s Salesforce — the top Customer Relationship Management (CRM) platform now ubiquitous at all sorts of enterprise companies. Its cloud-based apps power work productivity at every stage of the sales funnel, from lead generation to executing upon final sales. In fact, Salesforce claims that its Salesforce Economy is expected to create 3.3 million new jobs by 2022.

Tempted? If you’re looking to jumpstart a career that requires knowledge of Salesforce, you have options. On the non-technical side, look to be certified as a Salesforce Administrator — in which case you’ll want to take a certification exam like the Certified Administrator Exam, which tests your knowledge of Salesforce admin tasks such as building reports, maintaining clean data, and adding new fields to forms. On the flip side, technical-minded folks can look to nab certification as a Salesforce Developer, in which case you should aim to ace an exam such as the Platform App Builder. Salesforce Developers handle all the backend stuff involving building testing, implementing, and maintaining Salesforce apps to keep the platform running like a well-oiled machine. Read more…

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Beyoncé and Adidas Want the New Ivy Park Partnership to Be About More Than Clothes

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Mere mortal celebrities want to sell you sneakers. Beyoncé, however, wants to give you a purpose.

On April 4, news broke that the singer and activist signed a deal with Adidas to create a “multi-layered partnership.” (“*Beyoncé signed Adidas,” one fan clarified on Twitter, in reference to her beyond-major star power.)

Along with selling sportswear, the apparel company will work with Beyoncé to “[inspire] and [empower] the next generation of creators, driving positive change in the world through sport and identifying new business opportunities.”

Read more at The Daily Beast.

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Democrats want to force businesses to contribute to retirement plans

Under the proposal, businesses would pay at least 50 cents into an employee retirement plan for every hour worked.
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2013, 2019, 2024: Where Did You Think You’d Be By Now? Where Do You Want to Be in Five Years?

stock photo of yellow traffic sign showing one path with two arrows forking out

A little more than 5 years ago, we had a post about career plans where basically we asked everyone to look into their crystal balls and tell us where they wanted to be five years from that date (November 2013) — and I promised to revisit the post in 5 years and give everyone the option to update us. (Today I’ll be emailing everyone who originally gave me their email address and permission to email them, asking them to come back and comment as well!) If you commented on the original post — please copy and paste your original comment into this thread — and then update it. If you didn’t comment on the original post, please comment below — have the past five years gone according to plan? (If not, what derailed you or propelled you onto a different path?) Where do you want to be in the next five years (2024)? Please leave your email address and I’ll contact you if/when we do this in 2024!   

Here was the original ask, inspired by a New York Times documentary that looked up women originally profiled in a 2001 article, back when they were all junior associates at a BigLaw firm.  The more recent article/documentary looked up several of the women profiled and found that many had not accomplished their original goals, many pondering whether the gender gap had an impact on them. The thrust of the article was that women were underestimating the extent to which gender issues would affect their careers. Here was my ask of the readers, back in 2013:

I’m going to ask you guys to scroll forward in YOUR Palm Pilots* (tee hee) and tell me: where do you want/think you’ll be in five years — and in ten years? What do you think the major challenges are that you’ll encounter? How much do you think gender issues will play into your success or failure? I’d love to ask that everyone comment with an email address in the address field — I’ll keep your emails private but I’d love to be able to come back to this post in five years (or ten years, God willing) and email a few of you to see where you are, how it shook out. (This is the ambitious part!) (Of course all email addresses will be held in confidence, in keeping with The Corporette® Privacy Policy.)

I can’t wait to hear what people say (and hear how everyone’s 5-year plan went, and how their 10-year plan is going)…

For my own $ .02, this was my answer back in 2013 for my own five-year career plan:

I’m so far off the path right now that this doesn’t seem even fair to myself for me to say.  In five years, I hope I’ll still be running this site as my profession, of course; if not I have confidence that one of my many Plan Bs will work out.  I’m not sure it’s fair to call them “gender issues,” but I suppose that’s what they are — I struggle daily with life/work balance, needing to devote more time to my business, wanting to devote more time (and quality, high energy time at that) to my family — and I struggle with finding time to be the “cruise director” to our lives (e.g., planning educational, age-appropriate weekend outings and vacations, managing our financial investments as well as clothing/food purchases, making family photo albums, etc, etc).  I outsource/assign what I can to my husband, VA, or my mother (my Christmas list this year is a series of thinly veiled research projects!) but I think this “Cruise Director” Syndrome is a uniquely female goal — the goal to manage everything for your family on TOP of killing it in business.

Ooof. Yeah. So: not much has changed with my struggles — I still have not figured out life/work balance, as I’ve written about a ton over at CorporetteMoms, including things like why I’m frustrated that family dinner time bumps up against my naturally productive period of the day, why I aggressively delegate or “nope” certain motherhood tasks entirely, and in general all the ways I try to share parenting duties with my spouse. In terms of unforeseen challenges, I definitely did underestimate the effect of motherhood, and we’ve had some family issues come up over the past five years that were totally unanticipated, and without getting into private matters, I will say that the amount of energy, brain power, research, worry, and more has been a huge drain for me, to the detriment of the business; I’ve definitely felt for long periods like I’m treading water and trying not to drown in the middle of a huge ocean. That said, 2017 and 2018 were our two highest years ever for most blog stats that I track (money, traffic), so I am still hopeful that I’ll be running this blog in another five years or that the skills I’ve learned while building the blog will have useful to some other new endeavor. 

Readers, how about you — if you had answered the original question in 2013, where did you THINK you’d be by now? What got in your way or propelled you further? Looking forward to 2024, where do you want to be in terms of career, personal life, and more? What do you think are realistic five-year career goals, and what do you think are stretch goals?

Stock photo via Shutterstock / Kunal Mehta.stock photo of yellow traffic sign showing one path with two arrows forking out

* Riiiiight. Palm Pilots were an early handheld device that helped you organize notes, phone numbers, to-do lists, and more. They eventually morphed into phones. I was a little bit obsessed with them as the keeper of all my favorite lists.

 

The post 2013, 2019, 2024: Where Did You Think You’d Be By Now? Where Do You Want to Be in Five Years? appeared first on Corporette.com.

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3.29.19 Here are the benefits that employees really want; Clark Stinks

A new study details the benefits that employees really want from their employers; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a “Clark Stinks” to share you can leave it here.

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Former Facebook exec: ‘Zuckerberg is sitting on more data about what people want to do online than anyone else in the world’

Alex Stamos, Facebook's former chief security officer, said Zuckerberg is sitting on a whole lot of data about people's online decision making.
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Khloe Kardashian Determined To Forgive Tristan Thompson: Does She Want Him Back?

Khloe Kardashian has finally advanced into the ‘stage of acceptance’ after Jordyn Woods said she kissed Tristan Thompson on the lips. Her heart is open to forgiveness, but can the same be said about love…again?

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Hailey Bieber: People want to see me fail

OHMYGOSSIP — Hailey Bieber is sick of critics who want to see her “fail”.
The 22-year-old model – who was previously known as Hailey Baldwin – faces constant hate comments on social media from people who want to see her marriage to Justin Bieber collapse, and she has now said she doesn’t understand why anyone would wish for failure of another couple’s romance.
She said: “They just really want to see you fail, for whatever reason. I don’t know if it’s because they want to be able to say, ‘I told you so’ or because they want to be right, I don’t really know what the idea is behind trying to tear somebody’s relationship down, or person down, whatever it may be.”
And although she tries to remain optimistic, the blonde beauty can’t help but blame the “evil world” around her.
She added: “I guess it’s just kind of an evil world, at the core of it, and humanity is just struggling.”
Hailey even struggles with nasty comments from fans of her husband Justin, 25, who have become “possessive” over the ‘Sorry’ hitmaker.
She said: “The problem too is kids become possessive over people and feel like if they think they’re hurt, they feel hurt for them and they’re hurt too, or whatever it is. They just think they know these people who are famous because their life is so exposed.
“What’s really weird to me is they create scenarios in their head of what they think is happening or what they think should happen, and I’m just like, ‘This is just so dumb. It’s so dumb.’”
The beauty now ignores social media comments as much as she can, but says she “still cares to a certain extent”.
Speaking to Cosmopolitan magazine, she said: “I’ve found that I got to a place where I don’t read the comments. People can just be mean, and I feel like if you don’t want it to get to you, then don’t read it and allow it to affect your soul.
“You still care to a certain extent. You really have to train your brain to be like, ‘Okay, why do I even care? I don’t know these people, they don’t know me, they’re not a part of my life or my relationship.’”

Source: IconInsider.com
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Gabrielle Union Doesn’t Want To Be Called A “Basketball Wife”

Gabrielle Union isn’t fond of the “basketball wife” title one bit and urges fans and followers to never use that term. Reportedly, Gabrielle is working hard to expose “unconscious bias” against women who have married professional athletes.

Currently, Union is married to the NBA player, Dwayne Wade, but during a new interview, the Bad Boys alum admitted she refused to be described as a “basketball wife.” She considers the term innately sexist and as a pejorative.

Gabrielle claims the truth is, Dwayne, is a “Hollywood husband” rather than she being a “basketball wife.” Speaking with InStyle Magazine, Union spoke at length about sexism and the struggles women face in Hollywood and the entertainment industry.

Union asked why there are only terms to describe stereotypes against women and not men. She said, “there are no stereotypes or terms for men who are married to successful women.”

According to Union, she has been successful on multiple fronts for years, including on the big screen, with her fashion collection, as well as her own wine. Her memoir sold very well as well. Gabrielle said she was already fully secure before even starting her relationship with Dwayne.

Speaking with InStyle, Gabrielle said the idea that one person completes another is “BS.” An individual has to get their own first and then find the person who is good for them afterward.

Just last year, Gabrielle and Dwayne welcomed a baby girl in the world via a surrogate. The actress said she was so happy to finally have a child. Despite being “sleepless,” as she described it, she and her husband were thrilled to have their first baby girl.

In 2017, Gabrielle wrote a book called, We’re Going To Need More Wine, in which she revealed she had suffered more than eight miscarriages in her life. Union, 46, and Dwayne, 37, got married back in 2014. As Gabrielle’s fans have come to know, she has spoken honestly about her struggles as a woman, including when she was raped at knife-point as a young girl before achieving Hollywood fame.

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Want to Win March Madness? These 10 Players Could Lift Your Bracket to Office Pool Victory

Did Michigan State get a raw deal? Yeah. If the Spartans — who (along with Purdue) won the Big 10 regular season title and took the conference tournament — didn’t deserve a #1 seed, they definitely didn’t deserve a #2 seed. Especially because that puts Duke, the top overall team in the NCAA men’s basketball tournament, right in Michigan State’s Final Four path. (If seeding holds, #1 Duke and #2 Michigan State would clash in the Elite Eight.)

Meanwhile, should the selection committee have granted St. John’s, who lost in the Big East tournament quarterfinals to Marquette by a cool 32 points, the last at-large bid? With apologies to the Red Storm faithful, you can make a strong argument that no, it shouldn’t have.

All bitter gripes about the brackets, however, should last about three seconds. You can’t change anything now. So grab your pencil, print out a piece of paper and get ready make your picks. (Seriously, just to mess with the IT honcho who runs your office pool, hand him paper brackets, we’re sure he’ll love it.)

To help you along with your NCAA basketball March Madness bracket, here are 10 standout players who could carry their teams to an upset or two, if not all the way to the Final Four in Minneapolis.

Zion Williamson, Duke

Duh, I know. But even hermits have been known to fill out brackets (presumably). And just in case you’re one of those folks who only tunes into college hoops this time of year: Duke freshman Zion Williamson is simply the most freakish player in the game. “There’s never been a player on any level like Zion Williamson,” says ESPN analyst Jay Bilas.

That doesn’t mean Williamson is the best player on the planet. It’s that no one with his build — chiseled 6’7″, 284 lb. linebacker — possesses his skill set. He can jump over the backboard. And Williamson — or just plain “Zion” at this point, ala Serena, LeBron and Neymar — is incredibly fundamental: he can dribble, pass, and owns an effective shooting touch around the rim. “He’s like a mack truck,” says Bilas, “playing lead in ballet.” Let’s just hope his shoes stay intact.

#1 Duke plays the winner of the #16 North Carolina Central/#16 North Dakota State game on Friday, March 22 at 7:10 PM ET on CBS.

Fletcher Magee, Wofford

Magee — “sounds like he should be somebody’s butler,” Bilas deadpans — might be the best shooter in the country. The 6’4″ senior has hit 502 career three-pointers for Wofford, the Southern Conference champs, two shy of the NCAA D-1 record. He shoots an efficient 43% from downtown, a pretty remarkable rate for a guy who hoists an arm-tiring 11 treys a game, and 91% from the foul line.

Magee grew up studying the shot of Philadelphia 76ers guard J.J. Redick, who used to play for the Magic in Magee’s hometown of Orlando; this season, Magee passed Redick on the career NCAA three-pointer list.

#7 Wofford — of Spartanburg, South Carolina — faces #10 Seton Hall on Thursday, March 21, at around 9:40 PM ET on CBS.

Anthony Lamb, Vermont

The player of the year in the America East Conference, Lamb, a 6’6″ junior, has an unusual style in today’s basketball world, which values spreading players across the floor and jacking threes. During Vermont’s America East Conference title game win over UMBC on Saturday, Vermont would dump the ball to Lamb around the foul line, and he’d often bully his way to the basket, a testament to his strength and skill. And Lamb can shoot: he hit 1.5 threes per game this season, nearly double his per-game production from a year ago.

Besides Lamb, who averaged 21.4 points per game this season, the Catamounts feature the Duncan brothers of Evansville, Indiana: fifth year senior Ernie, junior Everett, and freshman Robin. Vermont’s the fifth team in Division 1 history with a fraternal trio on the same squad.

Catch #13 Vermont against #4 Florida St. on Thursday at 2 p.m. ET on CBS.

Miye Oni, Yale

It’s been 24 years since the NBA drafted a player from the Ivy League. Yale’s Miye Oni could end that draught. A late bloomer who had committed to a Division 3 college in high school — and was spotted by a Yale assistant coach while scouting another player — NBA scouts have made regular visits to New Haven to check out Oni’s game. The 6’6″ guard won Ivy Player of the Year honors by doing a little bit of everything; Oni averaged 17.6 points, 6.3 rebounds, and 3.5 assists per game.

#13 Yale will play #4 LSU on Thursday at 12:40 PM ET on TruTV. Both schools are involved in embarrassing scandals: LSU coach Will Wade was placed on leave after he was caught potentially violating NCAA rules on wiretap. Yale’s embroiled in the college admissions scandal, as a family allegedly paid $ 1.2 million in bribes to get a fake soccer recruit into the school. Folks made jokes on the internet.

Ja Morant, Murray St.

Zion may be the top overall pick in this June’s NBA draft. But Morant, the explosive 6’3″ point guard from Murray St., is almost certainly going top 3. A Murray State assistant coach first spotted Morant, another unheralded recruit, while stopping by a gym concession stand to grab some chips. Best snack ever: Morant’s stewardship on the Murray St. offense is now appointment TV. Morant scores 24.6 points per game on 50% shooting, which is scarily efficient for a point guard, and dishes out 10 assists per game, tops in the country.

In the first round, Morant will duel with one of the country’s other top point guards, Markus Howard of #5 Marquette, around 4:30 PM ET on Thursday on TBS. Grab some more chips for that one.

Tacko Fall, University of Central Florida

Ja Morant, Fletcher Magee — this year’s tournament fields an impressive All-Name Team. Tacko Fall’s another name you won’t forget. The 7’6″ University of Central Florida center shot 75% from the field this season, and swatted away 2.5 shots per game for the Knights, who finished 23-8. That’s right: Fall’s 7’6″, with a 10-foot, 5-inch standing reach, meaning he need not jump to dunk the basketball.

In one of the season’s sweetest moments, Fall was reunited this season with his mother, whom he hadn’t seen in the seven years since he moved to the U.S. from Senegal.

#9 UCF takes on #8 VCU on Friday at around 9:40 ET PM on CBS. The winner most likely gets Duke in the second round.

Ethan Happ, Wisconsin

Ethan Happ, the 6’10” senior center, this season became the first Big 10 player in more than 35 years to score over 2,000 career points and grab over 1,000 rebounds. Don’t discount his passing — Happ has also assisted on 37% of his teammates’ field goals while he’s on the floor, a fantastic rate for a big man.

Happ’s a bit of a throwback, the rare tall pro prospect who doesn’t jack three-pointers — he finished his career 1-16 from downtown. Still, don’t discount the damage Happ, a second team All-American, and his Badgers can inflict on their opponents these next few weeks.

First test for #5 Wisconsin is #12 Oregon, the Pac-12 tournament champions, on Friday at 4:30 ET on TBS.

Eric Paschall, Villanova

One-and-done college players like Zion, who stay in college for a year before leaving for the NBA, rightfully steal most headlines. They tend to be phenomenal. But it’s nice to see players who stick around at college, like Happ and Villanova’s Eric Paschall, get their due. Remember the Wildcats, last year’s national champs? They lost four of their top six players to the NBA this season, but thanks in large part to Paschall — the relatively undersized senior 6’8″ power forward who memorably shot 10-11 from the field against Kansas in last year’s national semifinals — the Cats still won the Big East regular season and tournament championships.

‘Nova’s not a favorite to repeat as national champions. But beware of any team with a skilled bruiser like Paschall, who’s eager to prove that he’s ready to play at the next level, no matter his height.

#6 Villanova opens up its title defense against #11 St. Mary’s on Thursday at 7:20 ET on TBS.

Rui Hachimura, Gonzaga

Hachimura, a 6’8″ junior, is a projected NBA lottery pick: he’d be the first native of Japan ever selected in the draft. As a freshman at Gonzaga, for the 2016-2017 Zags team that reached the national championship game (before falling to North Carolina), he didn’t see much action. Hachimura missed practice time with his teammates to learn English in tutoring sessions (he also picked up the language through TV shows like The Vampire Diaries).

Since then, he’s blossomed. In one of the best regular season games of the season, in Hawaii back in November, Hachimura helped show that Duke — a team that some pundits were predicting would finish with a perfect record this season — could indeed be felled. In a thrilling 89-87 win for Gonzaga, Hachimura scored 20 points, with seven rebounds, five assists, and three blocked shots. Gonzaga could face Duke again in the national semifinals.

But first, on Thursday at 7:27 ET on TruTV, the #1 ‘Zags must advance past either #16 Farleigh Dickinson or #16 Prairie View A&M, who play in the “First Four” on Tuesday night in Dayton.

De’Andre Hunter, Virginia

A financial services firm called 361 Capital on Monday released a note —titled “The Psychology of Undermining March Madness Brackets” — applying behavioral research to tournament picks. (Makes sense: the firm’s clients surely want to win their bracket pool’s prize.) As one of its “behavioral biases that can bust a bracket,” the company pointed to “the gambler’s fallacy,” a misconception that an abnormal event is less likely to occur in the future because it just happened in the past. So, 361 Capital warns, don’t feel #1-seeded Virginia is immune to another historic upset at the hands of a #16 seed, just because UMBC crushed the Cavaliers a year ago.

With all due respect to the financial outfit, throw your psychological buzzwords off the court. Virginia’s not going to fall in the first round again, because this year, the Cavaliers have De’Andre Hunter. The 6’7″ sophomore swingman from Philly missed last year’s tournament game due to an injury. But this season, Hunter has emerged as Virginia’s best NBA prospect in the school’s resurgence under coach Tony Bennett over the last decade.

Virginia will try to move on from last year’s nightmare against Gardiner-Webb on Friday, at around 3:10 PM ET on TruTV. With Hunter, a third-team All-American, on the floor, they’re more than likely to avoid another disaster. That’s no fallacy, gambler’s or otherwise.

Sports – TIME

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Why Abortion Defenders Keep Showing Up at Clinics That Want Them to Stay Away

Erin Sheridan

On a recent Wednesday, protesters gathered outside the Planned Parenthood in Madison, Wisconsin, for more than an hour; chanting, giving speeches, and occasionally raising their fists in the air. In their hands, they held a hot-pink and white banner reading, “We ❤️Abortion.”

They were members of Madison Abortion Defense, a group whose mission includes countering anti-abortion demonstrators outside clinics. The group is one of at least five similar organizations that have united to form the Movement for Abortion Defense coalition, dedicated to “opposing right-wing, anti-choice protests in the streets” and “reclaiming space and confronting antis at our clinics.”

There’s only one problem: Many of the clinics don’t want their help.

Read more at The Daily Beast.

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Which ‘Bachelorette’ Alum Would Hannah G. Want to Meet in ‘Paradise’?

Hannah Godwin may not have found love with Colton Underwood, but that doesn’t mean she’s done with searching for The One on reality TV. So, does that mean Bachelor in Paradise will be her next stop? It’s definitely an option.

“I know that, personally, I caught major feelings in this whole entire experience, so I think I’d definitely be open to catching feelings, but hopefully it would be on a two-way street situation instead of just a one-way,” Godwin, 23, told Us Weekly in an exclusive interview, adding that she’s looking for someone “who’s humble, openminded, hard-working and caring.”

If The Bachelor star does end up appearing on season 6 of the ABC hit series, she may already have her eye on someone.

Blake Horstmann: My ‘Healing Process Was Long’ After Becca Kufrin Breakup
Blake Horstmann on ‘The Bachelorette’. ABC/Paul Hebert

“I think that there’s a few really good options and I’d have to meet with them in person and see if there’s a connection,” Godwin told Us. “I don’t know. I think Blake [Horstmann]’s a cutie.”

Horstmann was the runner up on Becca Kufrin‘s season of The Bachelorette and is — lucky for Godwin — single and ready to mingle.

“I’m always interested in dating and you never know when the love of your life is going to walk into your life. So I’m definitely open to all of that,” the Colorado native, 29, told Us during JustFab’s finale viewing party on March 12, adding that while Paradise is still a few months away, it’s definitely a possibility for him. “If I’m single, I will probably be on Paradise.”

The sales rep better be ready to impress Godwin’s parents, too! The content creator admitted to Us that it was tough for her to rewatch Underwood ask her father for permission to propose, only to break up with her shortly after. However, her family couldn’t be more supportive.

“They’re the most selfless people. There’s not a selfish bone in their body and they’re just making sure that I’m OK. I’m sure for them, it was confusing because they did think that I was going to be engaged to this guy,” she said. “But they’ve just been really supportive and so loving throughout all of this, and they’ve seen my highs and they’ve seen my lows, but that’s what they’ve done my whole life. I’ve been so lucky to go through all of this with them and I think it’s made our relationship with them even stronger.”

With reporting by Emily Marcus

Us Weekly

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Hair Wars: Hollywood Actresses Want Black Hairstylists

Model Olivia Anakwe sparked and discussion on Instagram about on set hair styling; venting that hair stylists at shoots generally are clueless when it comes to working with Black hair/natural hair.

Anakwe expressed her frustration with “texture discrimination” in Hollywood after she was booked to wear cornrows during a Paris Fashion Week show but there wasn’t a hairstylist backstage with knowledge of styling textured hair, Vice reported.

Several black actors, including “Insecure’s” Natasha Rothwell, Gabrielle Union, and Yvette Nicole Brown, shared their own experiences and noted how they often bring their own hair and makeup supplies to set because stylists aren’t prepared for black actors.

“Black models are still asking for just one hairstylist on every team no matter where your team is from to care for afro hair,” wrote Anakwe.  Peep her lengthy IG post below.

View this post on Instagram

This message is to spread awareness & hopefully reach anyone in the hair field to expand their range of skills. Black models are still asking for just one hairstylist on every team no matter where your team is from to care for afro hair. I was asked to get out of an empty chair followed by having hairstylists blatantly turning their backs to me when I would walk up to them, to get my hair done. If I am asked to wear my natural hair to a show, the team should prepare the style just as they practice the look and demo for non-afro hair. I arrived backstage where they planned to do cornrows, but not one person on the team knew how to do them without admitting so. After one lady attempted and pulled my edges relentlessly, I stood up to find a model who could possibly do it. After asking two models and then the lead/only nail stylist, she was then taken away from her job to do my hair. This is not okay. This will never be okay. This needs to change. No matter how small your team is, make sure you have one person that is competent at doing afro texture hair care OR just hire a black hairstylist! Black hairstylists are required to know how to do everyone’s hair, why does the same not apply to others? It does not matter if you don’t specialize in afro hair, as a continuous learner in your field you should be open to what you have yet to accomplish; take a class. I was ignored, I was forgotten, and I felt that. Unfortunately I’m not alone, black models with afro texture hair continuously face these similar unfair and disheartening circumstances. It’s 2019, it’s time to do better. || #NaturalHair #ModelsofColor #BlackHairCare #HairCare #Message #Hair #Hairstyling #Backstage #BTS #AfroTexturedHair #Afro #POC #Braids #Message #Spreadtheword #Speak #Awareness #Growth #WorkingTogether #BlackGirlMagic #Melanin

A post shared by Olivia Anakwe (@olivia_anakwe) on

Putting their tresses in the hands of untrained hair stylists could lead to permanent hair damage, as Union pointed out.

“The pressure to just be happy they picked you & you got a job, don’t ask for the SAME things every other actor/model gets on GP,” she wrote on Twitter. “Listen, if u stay quiet, u WILL have bald spots, hair damage, look NUTS (tho they will tell u its cuuuuuuuuute).”

 

 

But using your own stylist often isn’t permitted on unionized projects and Gabby stressed that point, writing on Twitter, “getting [stylists that can do black hair] in [the union] has NEVER been easy or smooth.”

“What alot [sic] of non-industry folks don’t realize is that u can’t just use [your] normal hairstylists/barbers/makeup artists on a union job (most jobs are union) Those artists HAVE to be IN THE UNION & getting them in has NEVER been easy or smooth. Ever. Like never,” she shared.

Yahya Abdul-Mateen, who played Black Manta in “Aquaman,” shared how she has been “ignored” and “forgotten” by hairstylists and how “too often [hair stylists] begin to ‘figure it out’ the second we sit in the chair.”

Actress De’Adre Aziza summed up the convo with a tweet noting that a “[Hair stylists are] out there, Hollywood simply had to care enough to hire them.”

PHOTO: PR Photos


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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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Want to start your own business? These entrepreneurs will teach you how for less than $20.

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The term entrepreneur tends to evoke images of a tech bro who spends way too much time on LinkedIn, where he brags about being “CEO at Self-Employed” and writes quasi-philosophical posts about the #hustle. (See the Twitter account @StateofLinkedIn for real-life examples, if you dare.) 

That stereotype applies to a handful of self-starters, to be sure, but you probably won’t find them among Silicon Valley’s success stories. The entrepreneurs whose innovations and ideas have actually changed lives are too busy trying new things and dreaming big to spout vapid humblebrags on social media. If you somehow found a way to connect with them, you’d probably get some legitimately helpful tips on how to establish your own business.  Read more…

More about Business, Entrepreneurs, Mashable Shopping, Shopping List, and Shopping Stackcommerce


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

Techies are finding new uses for consumer devices to help monitor their aging parents, who are increasingly opting to live independently.
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4 Secrets Debt Relief Programs Don’t Want You to Know (Plus 3 Alternatives)

You’re 30, 60 or maybe even 180 days late on your credit card payments.

Creditors are calling, interest is building and your stress is through the roof.

Then, you see an ad for a company that can seemingly make it all go away — a company that’ll finally get you some much-needed relief from your credit card debt.

What Is a Credit Card Debt Relief Program?

Credit card debt relief isn’t an official term used in the finance industry. It’s a marketing term that debt settlement companies use to play to indebted people’s desire for relief.

The term can be interchangeable with debt forgiveness, debt settlement or debt negotiation. What differentiates debt relief programs is that they’re set up by a company that does the hard work for you.

You may have seen their ads in the mail, on TV or in sidebars while searching the internet. They promise to lower your debt burden, help you avoid bankruptcy and hold your hand every step of the way. The offer sounds really enticing.

But as with anything that sounds too good to be true, there are some strings attached. Here are four things you should know about credit card debt relief programs before you join one.

1. A Debt Relief Program Will Hurt Your Credit

The program works in four steps:

  1. You make payments to the debt settlement company that go into an FDIC-insured savings account.
  2. Once that account is at a certain amount, they will start negotiating your debt.
  3. They contact you for your approval of the negotiated settlement.
  4. They pay that settlement and move on to the next debt.

In the first three steps, your debt relief company will not be making payments on your debts. The primary goal of debt relief programs is to negotiate lower settlements. Continuing to not make payments helps them achieve that goal. But depending on how large your debts are, those steps can take years — and during that time, your credit score continues to drop.

You’ll even keep receiving calls from creditors.

2. They Can’t Guarantee Success in Negotiating Your Debt Down

If you see the word ”guarantee” anywhere in a company’s marketing materials, run for the hills. No one can guarantee any level of forgiveness when it comes to debt.

In general, debt settlement companies do have a good track record in negotiating down debt, because they have insight into a lot of different creditors and previous settlements. But every case is different, and you can’t assume someone else’s success will assure your own.

3. You’ll Have to Pay Taxes on the Forgiven Amount

Contrary to what some believe, the government has no debt relief program. In fact, if you do receive debt relief, they’d like to be compensated for it. You’ll pay taxes on your forgiven debt.

Here’s how to figure out what taxes you might owe:

Let’s say you owe $ 20,000 in credit card debt. First, someone will asses the fair market value of the assets accumulated through that debt. Due to depreciation, that value is likely to be less than $ 20,000. Let’s say it’s $ 17,000. They won’t take your stuff, but hypothetically, if the creditors came and took those assets as repayment, you’d still be $ 3,000 short.

The debt relief program then negotiates $ 5,000 off your bill. You now owe $ 15,000. Woohoo! You’ll be responsible for paying income tax — between 10% and 37%, based on your income — on the difference between the forgiveness amount and what you owed after the value assessment. In this case, $ 2,000.

And that’s just a simple example. It can be unreasonably complicated to figure out what you’ll actually owe in taxes after debt forgiveness, so it’s advisable to hire an accountant to help you with it. (Another expense you’ll have to eat.)

4. They Don’t Work for Free

While debt settlement companies that market their services are now banned from collecting fees from consumers before settling or reducing the consumers’ debt, they still don’t work for free.

Debt settlement companies will charge you on a percentage basis — usually, a portion of your total debt or of the amount forgiven.

Debt Relief Program Alternatives

If you’re ready to pay off your debt, there are alternatives to debt relief programs that can lower interest rates, eliminate fees and improve your financial picture as a whole.

1. Debt Management Plan

A debt management plan, usually offered from a credit union or nonprofit financial organization, is a voluntary program that allows you to pay funds to your credit counseling agency each month. They send those funds directly to your creditors — no savings account involved.

While debt relief programs hurt your credit score, a debt management plan can actually improve your score throughout the 30-60 month program.

You can find accredited credit counselors from the National Foundation for Credit Counseling or the Financial Counseling Association of America.

2. Debt Consolidation

Most debt relief programs won’t accept clients with less than $ 10,000 in debt. If you fall below this figure, a personal loan or balance transfer credit card might be good options for you.

Many types of credit card debt consolidation can lower your interest rate — sometimes down to 0% for up to 18 months — and help you avoid fees. But you have to be ready to commit to paying off your debt within the terms of the loan or card.

3. Do It Yourself

You don’t need a third party to negotiate and settle your debt for you. In fact, many people do it themselves.

It’s not a walk in the park, though. You have to save up money to make lump-sum payments, and it will also do bad things to your credit while you’re in negotiations.

Whatever way you choose to pay off your credit card debt, it pays to be informed on the risks and rewards associated with the different methods.

Do your due diligence and you’ll avoid being scammed on the path to freedom from debt.

Jen Smith is a staff writer at The Penny Hoarder. She and her husband paid off $ 78,000 of debt in less than two years on two less-than-average salaries. She gives money-saving and debt-payoff tips on Instagram at @modernfrugality.

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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‘I love sex. I like to make money’: What sex workers really want

Foxxy Angel has been a sex worker in the Netherlands for 15 years and still loves what she does. However, though the profession is legal, sex workers across the country are fighting for change, matching a global sentiment for the job to recognized as just that: a job.


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Watch Exclusive ‘Isn’t It Romantic’ Clip: Don’t You Want to Dance?

Watch Exclusive 'Isn't It Romantic' Clip: Don't You Want to Dance?

Love may be a many-splendored thing for most people, but it's not all that for Natalie (Rebel Wilson) in Isn't It Romantic. After years of disappointment, she has given up on love. After accidentally knocking herself out, however, she somehow wakes up in a real-life romantic comedy. The normally unflappable Natalie is totally flummoxed by her idealized new surroundings.

Yet Natalie adapts quickly, as we can see in our joyful, exclusive clip from the film. In this musical karaoke…

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Pediatrician: How I partnered with parents who didn’t want to vaccinate

Vaccinating, like all parenting decisions, is one that is made from a place of love and caring. A parent who chooses to vaccinate has their child’s best interest at heart, as does a parent who chooses not to vaccinate.


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

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

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

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

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

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

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

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

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

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

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

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

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

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4 Trends You Won’t Want To Miss in 2019

What’s better than feeling good at home and looking forward to relaxing after a hard work day? Every year, new trends emerge, and while not every trend will be for you, they give you an look at the direction that design is heading and new ideas to inspire your own space for a modern look.

Design is constantly evolving and growing so the elements that were in last year will not necessarily be totally out in 2019. Although some trends run out of steam quickly, others will remain anchored in our design conscious for many years to come and become classics in their own right, like all white kitchens for example! If you’re looking for fresh ways to update your decor, here are some of the design features that are popular for 2019.

Biophilia

Green is definitely trendy! Nature represents a soothing solution for the current social ills and we will maximize that soothing feeling with the use of plants, especially those that are exotic. Their bright green glow gives our homes a soothing ambiance, creating a refuge from the invasive technologies we face every day.

Sustainability

Photo Source: Formica

In recent years, we have become more aware of our environmental
footprint and are trying to reduce it as much as we can. By opting for local or
recycled materials, it is possible to decorate and renovate in a sustainable
way. On the market, there is an incredible range of greener kitchen countertops
made from recycled materials such as high-pressure
laminate
and composite paper surface. In addition to encouraging
conservation and sustainable ecological design, these options are made from at
least 10% recycled paper and come from an FSC certified source.

There are now hundreds of models with different colors and finishes available. They are very elegant and easy to maintain; the material offers an affordable alternative to marble and tends to keep its luster longer as well.

India Modern

Photo Source: Mobilia

When we think of India, we think the many bright colors and ornamentation associated with traditional Indian clothing. In India Modern design, white is in the spotlight, and it is highlighted with contrasts such as plants and furniture in bright or dark colors. Gold and marble are also in the foreground, while they bring a touch of elegance to the refined decorations.

In 2019, we dare to incorporate saturated colors. We continue to move towards sophisticated but contrasted looks, with white decorations and colorful touches. The base always remains white, such as walls and even furniture, but we opt for colorful accents on unusual elements, such as accent chairs and carpets. We also introduce carved wood elements as well as intricate weaved textures and colored marble to give the design presence and solidity. The goal is not complete harmonized but rather beauty found through elements that are not necessarily arranged with an eccentric touch.

Updated Art Deco

Photo Source: Houzz

One trend that continues to make a comeback in 2019 is Updated Art Deco, inspired by the 1920s where luxury and purity are omnipresent. Inspired by the Gatbsy years, Updated Art Deco mixes antiques with modern pieces, luxurious finishes in velvet and rich, deep colors. The walls are dressed with works of art and finishes show a nod towards noble materials such as hardwood, marble and brass.

Although classical Art Deco is quite geometrical, Updated Art Deco is more of an invitation to get inspired by style. While geometric patterns are still part of the design scheme, the focus is on luxury and glam.

The post 4 Trends You Won’t Want To Miss in 2019 appeared first on Home Trends Magazine.

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What Women Want in Kigali (and Beyond)

In April 2018, hundreds of partners joined forces to launch What Women Want, a global campaign to hear directly from one million women and girls about their top request for quality reproductive and maternal healthcare services. Through an exclusive blog series, Ms. is sharing their demands and their stories. 

“Strategic, targeted, deliberated male involvement.” That’s what Priscilla Nabatanzi from Uganda wants to see in the fight for comprehensive reproductive and maternal health care.

“Beyond inviting them to meetings,” she continued, “men need to learn to appreciate the importance of family planning, then advocate for the services.”

Hundreds of women and girls like Nabatanzi visited the What Women Want booth at the 2018 International Conference on Family Planning (ICFP) in Kigali, Rwanda, staffed by White Ribbon Alliance (WRA), to make their own demands for expanding and improving family planning around the world. 

In line with the conference theme—investing for a lifetime of returnsWRA and partners are investing in hearing from one million women and girls from all over the world about what they need and want to see in their communities when it comes to quality reproductive and maternal health care as part of the What Women Want campaign. (Men can’t take the survey, but they can still participate in the campaign.) 

#WhatWomenWant @ICFP2018

White Ribbon Alliance's Faridah Luyiga is at the #ICFP2018 in Kigali, Rwanda. In this video, she shares how the #WhatWomenWant campaign can be leveraged to improve the health of women and girls, including #FamilyPlanning. #ICFPYouth The White Ribbon Alliance #Pleasure @ICFP2018. Learn more about the campaign on: Whatwomenwant.org

Posted by What Women Want: Demands for Quality Healthcare for Women & Girls on Wednesday, November 14, 2018

Kalkidan Lakew, a 26-year-old from Ethiopia, wants “contraceptive methods with less or no side effects”—a request that stems from the many side effects women and girls experience while using contraceptives, particularly prolonged bleeding that she says has left marriages broken. 

Women in Lakew’s community sometimes do not use contraception because they fear these and other side effects, and women continue to get pregnant even when they would like to stop or space out their pregnancies. It’s a complex issue of gender equality that will take many approaches to rectify.

“A woman may lose her marriage because of the side effects,” Lakew explained, “which a man may not understand.” And when a couple breaks up, it’s hard for the woman to be accepted.

43-year-old Puspa Rami from Bangladesh had a more concise demand: “No more teenage pregnancy.” 

Sunshine, a 20-year-old from Rwanda, asked for information: “Educate girls and boys about family planning in order to protect their bodies.” 

The What Women Want initiative has already collected half of the one million responses from around the world that we seek, and in the process we’re generating the evidence needed to create a detailed advocacy agenda that responds to the needs of women and girls—defined by women and girls. The results will be shared at the Women Deliver Conference this year in Vancouver, Canada. 

22-year-old Sarah Nanthoka from Malawi, who has seen many of the women at her university suffer from infections and pain after unsafe abortions, said she wants access to safe abortion care. “How long,” she asked, “do my friends have to wait for safe abortion services before they die?”

With the support of a global community of voices calling for quality family planning, the hope is that Nanthoka and her friends won’t have to wait much longer to get what they want—and need—to access the care they deserve.

Learn more about the What Women Want campaign on at whatwomenwant.org. Read more about the International Conference on Family Planning 2018 here.

Winfred Ongom and Mark Muganga Kasiita are WRA Citizen Journalists based in Uganda.

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The post What Women Want in Kigali (and Beyond) appeared first on Ms. Magazine Blog.

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71% of Us Want to Do This in 2019. One Company Will Pay Us to Achieve It

What are your hopes and dreams this year?

Diet or eat healthier? Exercise more? Lose weight?

Wow, it’s almost like I’m reading your mind.

That’s because those were the top three goals for 2019, according to a survey of 2,000 people published by Inc. It found that 71% of us want to diet or eat healthier; 65% of us want to exercise more and 54% of us want to lose weight.

Unfortunately, Inc. also reports that only about 8% of us will stick to our resolutions… Fortunately? There are tools out there to help you reach success — like wellness company HealthyWage.

HealthyWage will pay you up to $ 10,000 when you hit your health and weight-loss goals.

Here’s how it works:

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

It sounds too good to be true, right? We’ve chatted with a number people who shared their success stories, including these four women who won a collective $ 10,495.28 from HealthyWage.

Hey, you just might finally be able to achieve your resolutions this year!

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder. She always need motivation to get off the couch.

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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Voters want to end the government shutdown — and more of them think Trump should compromise

As the White House and Congress fail to find a solution to end the government shutdown, surveys suggest Americans seek an end to the stalemate — and largely blame Trump for it.
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Watch Exclusive ‘What Men Want’ Clip: Stop Doing That

Watch Exclusive 'What Men Want' Clip: Stop Doing That

Who doesn't harbor a fantasy about being able to hear what other people are thinking? Constantly undercut by men in her field, sports agent Ali Davis (Taraji P. Henson) must seek out any advantage she can find. But when she develops the mysterious ability to hear men think, she is perplexed at first. Is this truly a good thing for her and her career?

In our exclusive clip from What Men Want, we get a glimpse of Ali's unease, as she hears what her assistant Brandon (Josh Brener)…

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Next 3 Surprising Comedies: ‘What Men Want,’ ‘Isn’t It Romantic,’ ‘Tyler Perry’s A Madea Family Funeral’

Next 3 Surprising Comedies: 'What Men Want,' 'Isn't It Romantic,' 'Tyler Perry's A Madea Family Funeral'

Bryan Cranston and Kevin Hart star in The Upside (above), which opened in theaters everywhere over the weekend. In the comedy, Cranston plays a disabled man who is wealthy, yet unhappy. Hart portrays a poor man on parole who desperately needs a job, yet displays a great sense of humor. The two wind up together and soon embrace the idea that they each have something to offer the other. Nicole Kidman also stars.

The idea of two unlikely, mismatched people being forced together has often…

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The sweater you don’t like is a trillion-dollar problem for retailers. These companies want to fix it

"Shoppers return 5 to 10 percent of what they purchase in store but 15 to 40 percent of what they buy online," David Sobie, co-founder and CEO of Happy Returns tells CNBC.
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4 Ways to Deal if You Want to Be Debt-Free but Your Partner Keeps Spending

When you get married or combine finances with someone, you may think that tackling debt will be easier than doing it on your own.

Then you find out your partner has no intention of paying off debt or being involved with finances.

Cool.

But if this is you, don’t worry. Just because the love of your life isn’t driven to get rid of debt right now, it doesn’t mean they never will be.

I admit that I wasn’t on board with paying off debt when my then-fiance “suggested” it to me.

I came from a background where we always had money to pay the bills but never enough for anything else. So when I was finally making my own money, I wanted to use it to live, not to pay my $ 52,000 of student loan debt.

But many people overcome their aversions to paying off debt and end up being just as motivated as their significant other.

Here are some tips for bridging that gap.

4 Strategies for When Your Partner Doesn’t Care About Being Debt-Free

These tips may not speed up the journey, but they are the best way to get to freedom from debt if you don’t want to sleep on the couch the whole way.

1. Slow Down and Rethink Your Approach

If the fact that your partner doesn’t want to think about finances frustrates you, sit down, take a deep breath and think about why.

A lot of people have negative emotions and experiences tied to money.

Talking about finances can be a trigger for someone whose parents fought about money. If someone never had enough money for small pleasures growing up, they might go into defense mode if you tell them you want to stop spending money and sell their stuff.

And the thought of debt itself can be a heavy mental burden, especially when life is throwing more problems into the mix. It takes time, persistence and understanding to find out what the root of your partner’s hesitation is and how to work through it.

2. Talk About the Future

Couple holding hands

My husband knows that I’m a goal-driven person, so he asked me what my goals for the future were. He got me thinking about how freedom from debt could help me achieve my goals faster.

Make sure your partner’s goals and wants are heard. Share your own wants, and talk about how your goals and your partner’s goals can work together. Your partner may not have concrete goals right now, but they surely have something they want. Maybe they want to travel, buy a boat, stay at home with kids or pursue a passion.

Anything they want to do in the future is going to have a financial component. And once you’ve identified it, you’ll be able to sit down and talk about that. But as with the first recommendation, take it slowly.

3. Plan a Road Trip

If your partner will no longer listen to you about finances, don’t force it.

They still need to hear it, just not from you. That’s where podcasts and audiobooks can come in for the assist. And there’s no better way to have your partner’s uninterrupted ear than playing them in the car.

That’s how Budgets Made Easy creator Ashley Patrick was able to get her husband on board.

“I attempted budget meetings, but he wasn’t interested,” Ashley said. “He was content letting me handle it all. The biggest thing that fully got him on board was playing Dave Ramsey podcasts in the car. Especially when I did it on a long road trip. Hours of Dave Ramsey helped change his mindset.”

She and her husband paid off $ 45,000 in 17 months, and Ashley now provides financial coaching through Dave Ramsey’s Ramsey Solutions.

4. Be an Example They’ll Want to Follow

While you’re waiting for your partner to join the team, make sure they know what the game looks like.

You can continue to budget, pay off debt and be wise with your spending even if your partner isn’t. Sometimes they just need to see that it can be done.

As you do this, take into consideration what they value and want. Maybe you think Topgolf is a waste of money, but your husband loves going once a month. Put it in the budget to show him that the process is only as restrictive as you make it.

At the end of the day, being debt-free isn’t the goal: having financial freedom is. And if you want your partner to be part of that, it might take some patience and perseverance. But it’s worth it — not just financially — to get on the same page and head in the same direction with your goals.

Jen Smith is a staff writer at The Penny Hoarder. She was reluctant at first, but once she got on board, she and her husband paid off $ 78,000 of debt in two years. See more of her story and debt-payoff tips on Instagram at @modernfrugality.

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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Want to Start a Side Hustle? These 10 Tips Will Help Set You Up for Success

Side hustles can be a great way to supplement your income or satisfy your entrepreneurial spirit. Who knows — having one might someday lead to a more fulfilling job opportunity.

Experienced side hustlers will tell you there’s a lot you can do in the beginning to build a solid foundation for your gig. So if you’re thinking about taking on a new venture, here are 10 tips on how to start a side hustle that will help you avoid future headaches.

Find Out How Much Side Hustle Time You Have Available

McKinzie Bean, creator of the

When juggling a day job and starting a side hustle, time is precious. McKinzie Bean is the operator of Moms Make Cents, a website aimed at helping moms build their own businesses.

She advises people to document their normal routines for one week before starting their side gig so they can see how much time during the evenings and weekends they spend doing things like cooking dinner, watching Netflix, doing chores, etc. Bean recommends using time tracking smartphone apps like Toggl when offline and Google Chrome extensions to monitor time spent on the internet.

You can see how much time you really have for a side hustle once you cut unproductive activities from your schedule.

“In your first year, you do have to dedicate a lot of time to your side hustle,” Bean says. “Just see which pieces you’re willing to give up because it is going to take some sacrifice to get to that point where your business is growing.”

Research if the Side Gig Is Worth Doing

Now that you know how much free time you have available, consider whether it’s feasible to add a side gig on top of a regular job.

Alex Tran is a full-time digital marketing strategist who operates five separate side hustles, including teaching yoga and reviewing activewear.  She recommends searching Google and YouTube to see if there’s a need for your side hustle and to determine how time-consuming it can be. During your research, see if other people are doing something similar and ask if they are willing to offer their advice.

“Say, ‘Hey, I work full time right now, but is it possible that I could just do this maybe six hours a week?’” she advises. If they respond, they may tell you how much of a financial and time commitment it will be to get your business off the ground.

Find Out Whether You Need to Inform Your Current Employer

One thing to consider before starting a side hustle is determining whether the gig will interfere with your day job. Every company is different, and some may have strict guidelines on what employees can do outside of work, Bean warns.

Do yourself a favor and dust off the employee handbook to see if there are any rules against side jobs. The last thing you need is to lose your primary source of income because you forgot to tell your boss about your budding side gig.

Set Some Office Hours

When Bean and her husband started working on their website 2 1/2 years ago, they set a schedule to keep them on track during the evenings. For example, she’d work for an hour on the site after her husband got home, then he’d take over after dinner. She says having a schedule in place was critical for them.

Also included in their schedule was at least one social or family activity per week to avoid burnout. “There was always one piece in the week that we could look forward to,” Bean says. “A few hours where we could recharge and be rejuvenated.”

Open Separate Business Accounts

Trish McDermott poses with baby gear in front of the trunk of her car

It’s never too early to start thinking about tax season. Trish McDermott is a longtime side hustler and co-founder of BabyQuip, a baby gear rental service for traveling parents. She tells people to open a bank account and credit card dedicated solely for their business.

Doing this provides you with a true-to-life snapshot of the financial results of your side hustle. “That snapshot is really difficult to see if you’re commingling your personal transactions with your side hustle,” she says.

By having all your side hustle income and expenses in one place, you can see trends and other relevant information to improve your business. Plus, she says, your accountant will appreciate it when it’s tax time.

Develop an Organization System for Your Paperwork

Instead of throwing all your receipts into a shoebox, consider setting up a digital filing system. “As a side hustler, you have to maximize your time,” Bean says.

Most of her receipts and invoices are sent via email because she runs an online business. To save time, Bean uses free basic automation software, such as If This Then That (IFTTT), to automatically save her receipts into a Google Drive folder.

For physical receipts, she takes photo backups using the smartphone app CamScanner. That way everything is saved on her phone or computer, ready to go for tax season.

Design Templates to Work Smarter

Tran encourages people to set up a task workflow in the early days of their side gig. For example, if your side business is in copywriting or involves creating a lot of documents, she encourages people to design templates.

“Have a system down so you can streamline it when you start to scale your business.” These templates can have the basic format laid out so all you need to do is change out the unique details. That way, you’re not starting from scratch on every project.  

Find Industry-Specific Groups

McDermott says there are many industry-specific groups and communities available on social media for side hustlers. In these LinkedIn and Facebook groups, you can learn from other professionals working in your field as they share advice. McDermott recently discovered a Facebook group for freelance social media managers and was blown away by the information and resources they were sharing among themselves.

“Those kind of connections nowadays are so easy to find, and so fruitful,” she says.

Create a Productive Home Environment

Your home office needs to have minimal distractions. Two ways to ensure this include following a set work schedule and having everything you need in the office, McDermott says.

By following the same work schedule, your family, neighbors and others know not to bother you during designated times. Plus, if you have everything you need at your disposal, you don’t need to leave the room.

“Having the tools you need to do your work available in the space you’re doing it prevents you from wandering around the house and deciding that you should start the dishwasher,” she says.

Don’t Wait for Perfection — Just Go For It!

Whether it’s posting on social media, launching a website or starting a company, McDermott encourages aspiring side hustlers and entrepreneurs not to get paralyzed by perfection, which can get in the way of execution. Her outlook is to do it the best you can and fix what doesn’t work as you progress.

“There’s no company on the face of the planet that has gotten it all right all the time,” she says.

In her opinion, the rewards are more significant for entrepreneurs who take risks and are willing to bring their energy and passion to whatever they do.

“You just can’t wait around to be perfect,” she says. “Someone else will take the idea and run [with it]. Just go!”

Matt Reinstetle is a staff writer at The Penny Hoarder. He covers side hustles and the gig economy. If you have a side gig story idea, message him on Twitter @MattReinstetle.

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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Ravens want John Harbaugh back as sides continue contract talks

The Ravens and head coach John Harbaugh are continuing contract discussions, and all indications are that Baltimore wants him back, league sources told ESPN. But when the Ravens kicked off Sunday’s AFC wild-card game against the Chargers, no deal had been agreed to — and it will leave open the possibility that any of the eight NFL teams with head-coaching vacancies still could reach out to Baltimore to inquire about Harbaugh’s availability. In fact, two NFL teams with current head-coaching openings are strongly considering that possibility, according to a league source. But Baltimore has not given any indication it is willing to part ways with Harbaugh. The Ravens still are determined to try to work out a new deal this offseason for Harbaugh, whether that’s in a week or a month. If the sides can’t get a deal done, Harbaugh would enter the last year of his contract and then be on track to be a coaching free agent at this time next…
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‘You Want Me Back’: Kevin Spacey Releases Bizarre Video After Being Charged With Sexual Assault

via Youtube

Actor Kevin Spacey is facing a felony sexual assault charge for an alleged attack on a teenager at a Nantucket bar, prosecutors confirmed on Monday.

The former “House of Cards” star did not issue an immediate comment on the legal development but did put out a bizarre YouTube video in which, assuming the character of Frank Underwood from the hit Netflix series, he declares: “You want me back.”

Spacey, a two-time Oscar winner, was accused of a range of misconduct, including sexual assault, in the early days of the #MeToo movement—which cost him his Netflix gig. He has repeatedly denied criminal wrongdoing.

Read more at The Daily Beast.

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‘You Want Me Back’: Kevin Spacey Releases Bizarre Video After Being Charged With Sexual Assault

via Youtube

Actor Kevin Spacey is facing a felony sexual assault charge for an alleged attack on a teenager at a Nantucket bar, prosecutors confirmed on Monday.

The former “House of Cards” star did not issue an immediate comment on the legal development but did put out a bizarre YouTube video in which, assuming the character of Frank Underwood from the hit Netflix series, he declares: “You want me back.”

Spacey, a two-time Oscar winner, was accused of a range of misconduct, including sexual assault, in the early days of the #MeToo movement—which cost him his Netflix gig. He has repeatedly denied criminal wrongdoing.

Read more at The Daily Beast.

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Trump On The Wall: ‘Whatever You Want To Call It, It’s All The Same.’ | Meet The Press | NBC News

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

CHARITY UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

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

Want to Quit Your Job? Here’s What You’d Have to Do to Make $73,480/Year

Something’s bubbling up inside you. No, it’s not from your fifth cup of coffee. It’s anger, frustration or maybe just extreme boredom.

You’re dying to do something else, to escape the grips of management, to pursue your passion.

But you also need an income.

Deciding to quit your job is no willy-nilly decision, but it’s important to know you have options. There are ways out.

Here’s What You Could Do to Make $ 75,988/Year

We’ve talked to dozens of people who’ve quit their jobs to pursue their passions, set their own schedules and carve out a lifestyle they’ve always dreamed of.

No, it’s not always easy (usually it’s not), but there are ways to replace your salary.

To show you it’s possible, here are five ways real people have earned substantial money through side gigs.

If you were to do them all, you could potentially bank an extra $ 75,988 a year.

1. Watch Videos Online for an Extra $ 2,700/Year

It might sound too good to be true, but InboxDollars will actually pay you to watch videos. We’re talkin’ movie previews, celebrity gossip, cooking tutorials and brief news segments.

We interviewed Sarah Houston, a college student who easily made an extra $ 600 through the site in about three years — averaging $ 200 a year. If you really dedicate yourself, though, InboxDollars says you can make up to $ 225 a month, or $ 2,700 a year, watching these segments.

I mean, no, they’re not as enthralling as the latest Netflix hit, but earning money through InboxDollars is simple and mindless enough!

2. List Your Backyard Tent for an Extra $ 8,280/Year

tent in the backyard

Have a spare room? Or even a backyard tent? Try to earn some money by listing it on Airbnb.

Yep! We found a guy who earned $ 46 a night listing a backyard tent on Airbnb. Renting it out for half the month for a full year could earn him $ 8,280.

Get started with some of these basic tips:

  • Make your space available during high-demand times in your area. Think: concerts, conventions and sporting events.
  • Be a good host, and stock your place with the toiletries you’d expect at a hotel — toilet paper, soap and towels.
  • Be personable. A lot of travelers turn to Airbnb for the personal touch they won’t find at commercial properties.

Use the Airbnb calculator to find out how much you could potentially make by listing your spare room, couch or that backyard tent.

(Hosting laws vary from city to city. Please understand the rules and regulations applicable to your city and listing.)

3. Take the Dogs out for a Walk for an Extra $ 12,000/Year

man walking dog in the city

If you love hanging out with dogs, Rover might be your perfect gig.

The online network connects dog walkers and sitters to local dog owners through its 4.9-star-rated app, so you don’t have to staple flyers on every utility pole across town.

Rover says sitters can earn as much as $ 1,000 a month. One stay-at-home mom wrote about how she makes $ 6,000 just working when she wants and is available.

Rover dog-sitter requirements vary by location. In general, you must:

  • Be 18 years or older.
  • Pass a background check.
  • Have access to the Rover app (iOS or Android).

Here’s how it works: You’ll create an online sitter profile where you’ll answer questions about your experience with puppers and your schedule availability.

You can choose to offer a variety of services, including dog walking, overnight boarding at your home or theirs, and daycare. Boarding is the app’s most popular service, so offering it can get you more gigs. You set your own rates. (Rover keeps a small percentage as a service fee.)

Dog owners will reach out to you. Accept which gigs you want, then start snugglin’ pups. As soon as you complete a service, you’ll be paid within two days.

4. Create Your Own Online Business for an Extra $ 50,000/Year

Do you have a passion? Whether it’s crunching numbers, lines of code, writing or designing, you can strike up an online business and work for yourself — when you want and from where you want.

Meet Daniel Honan, a former military officer who decided to start his own bookkeeping business. He took an online course, Bookkeeper Business Launch, which walked him through the entire start-up process.

When we interviewed Honan, he was on track to make $ 50,000 in his first year of business.

This isn’t unheard of in other industries either. Jamie Cattanach is another great example. She quit her full-time job as a writer and started freelancing full time. In her first year of business, she raked in $ 50,000 — that was more than her full-time salary.

5. Get Cash Back on Your Purchases for an Extra $ 500/Year

Kathleen Garvin, outreach strategist and editor at TPH, checks out Paribus on her phone. By using Paribus, she's received about in refunds.

All right, so there’s no guarantee you’re going to make money with this free tool, but it’s worth a try, especially if you stock up on items online.

That’s what single mom Aimee B. does. In the past two years, she’s recouped $ 1,000 while shopping online.

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

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

“My time is worth a lot,” Aimee says. “An hour of my time saved is absolutely worth its weight in gold.”

Or, at least, $ 1,000 back in her bank account.

Disclosure: Paribus compensates us when you sign up using the links we provide.

Bonus: Hit the $ 10,000 Jackpot

It’s everyone’s dream to hit the lottery, right? Never work a day in your life again.

We’re not going to suggest you go out and invest in lottery tickets. Instead, play free scratch-off tickets through an app called Lucktastic.

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

And, yes, you can actually win money. We interviewed Oniel Campbell, a single dad who won $ 5,000 through Lucktastic, which he planned to use toward a down payment on a home.

The app is supported by advertising, which allows it to keep the payouts high and the games free. For more info, check out our full review.

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder.

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

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Want to Make Bank After College? Don’t Pick One of These 11 Majors

We’ve already looked at the best college majors for all you undeclared freshmen out there. But what about the worst?

OK, so there’s really no such thing as “the worst” college major, and I have nothing against following your dreams. But six months after you graduate when that first student loan payment is due, you might feel a tinge of regret if you picked that major your parents scoffed at.

So, we looked at the median salaries for workers under 30 for 172 of the most common degrees to find the worst college major in terms of annual pay. We also considered how this pay has changed since 2013 to find majors that are getting even worse in terms of pay for recent graduates.

Pick one of these 11 majors at your own risk…

The 11 Worst College Majors for Recent Graduates

For this analysis, we dug into census data from 2017 and 2013 to find the college majors with the worst annual pay for recent graduates and the majors that have seen the biggest drop in median earnings over the past four years.

To make sure we were keeping everything consistent, we excluded folks with graduate degrees (that means you might still be able to make bank with one of these majors; it might just take an advanced degree). We also only included full-time, year-round workers.

We then looked at the jobs that the greatest percentage of graduates currently have, according to the American Community Survey. That way you get an idea of what types of occupations these graduates gravitate toward.

Still, you’ll see a lot of these degrees are what I would call “passion majors,” and our earnings data doesn’t include any side gig income that, say, a designer might make by selling T-shirt prints. Also, as you’ll see, a low-paying major isn’t necessarily a bad one — there are teachers, nurses, and social workers who are very important to our country with these degrees.

Here they are, arranged by median salary:

1. Industrial and organizational psychology

Median salary: $ 26,000

Change in earnings: -28%

A whopping 33% of those with a degree in industrial and organizational psychology are employed as a human resource worker. It makes sense, since this degree is pretty specialized for that field of work.

Graduates also became secretaries or administrative assistants, medical assistants or social service managers.

2. Composition and rhetoric

Woman writes in a notebook

Median salary: $ 30,000

Change in earnings: -22.7%

The greatest percentage of those who majored in composition and rhetoric do end up as writers, authors or editors (which likely explains the low pay ¯_(ツ)_/¯).

Other graduates include customer service representatives, retail supervisors and receptionists or information clerks.

3. Humanities

Median salary: $ 30,000

Change in earnings: -7.2%

This is a pretty general degree, and many graduates, around 10%, end up as elementary or middle school teachers right after college.

Teacher’s assistants and marketing or sales managers are also among the most common occupations for recently-graduated humanities majors.

4. Zoology

Median salary: $ 31,000

Change in earnings: -4.2%

I came really close to majoring in zoology before settling on music, and finally economics. Here’s why: More than 10% of all graduates currently work as veterinary assistants or take care of lab animals. Awww.

And nearly one-in-10 of all graduates are currently employed as “nonfarm animal caretakers.” Basically, zoo workers or those who work at aquariums.

5. Studio arts

Picture of woman painting a mural

Median salary: $ 34,000

Change in earnings: -11.4%

This was a tough list, emotionally, to put together. And it’s because of majors like studio arts. I lived and worked with artists all through college, so I know the passion that a degree in this field requires — but the pay just isn’t there for young graduates.

Roughly 13% of these grads end up as designers. Others end up as auditors, miscellaneous managers or retail supervisors. (Obviously, this doesn’t include side gigs these folks may run, like an Etsy store.

6. Linguistics

Median salary: $ 35,000

Change in earnings: -27.9%

Oddly enough, the largest percentage of young graduates with a linguistics degree actually end up as accountants or auditors. And the logic behind understanding the syntax of language also makes software development a popular field.

But, the majority are spread across other, low paying careers like paralegals or manufacturing sales representatives.

7. Music

Female Musiciasn Creating Music

Median salary: $ 36,000

Change in earnings: -4.6%

If I had remained a music major, I would have had a rough time financially right after graduating — and that’s coming from a journalist. I still play drums in my spare time and once taught percussion as a side gig, but I do think I ultimately made the right choice.

About 8% of new graduates start their careers as singers or musicians. The next most common occupations are miscellaneous managers, elementary or middle school teachers and waitress or waitresses.

8. Liberal arts

Median salary: $ 36,000

Change in earnings: -4.6%

Here’s another really general major that doesn’t pay off in the short term for new graduates. But that’s not to say it’s an unimportant or unnecessary degree — many graduates (around 10%) start out as elementary, middle or school teachers.

Others end up as customer service representatives, retail supervisors or teacher’s assistants.

9. General social sciences

Median salary: $ 36,000

Change in earnings: -4.6%

This is another general degree in which the greatest percentage of graduates end up as elementary or middle school teachers. And, in another instance of a low-paying major making a high impact, many other recent college graduates became social workers.

Those with this major also start out as retail salespeople, customer service representatives or office clerks.

10. Nutrition sciences

Median salary: $ 37,000

Change in earnings: -3.6%

More than one-in-six recent nutrition science graduates end up as dietitians or nutritionists, a nod to how specialized this degree is. But graduates are also employed as secretaries or administrative assistants, retail salespeople and personal care aides.

11. History

A man reads a book

Median salary: $ 38,000

Change in earnings: -2.1%

A plurality of history majors become elementary or middle school teachers, while the next big chunk become retail supervisors. Other recent graduates include customer service representatives, miscellaneous managers and secretaries or administrative assistants.

What if I Already Graduated With One of the Worst College Majors?

Don’t despair if you happen to have just graduated with one of these degrees. Personally, I wish I had majored in zoology rather than economics — I think I would be down to trade days of playing with numbers for days playing with red pandas.

But as you can see, these majors might make it difficult to pay back your student loans solely on your income in your first years in the workforce.

No-spend weeks might not make a huge dent in student loan debt, but they will help you be more conscious of frivolous spending.

It might not be the most popular option, but you could always move back in with your parents. Even something as simple as bringing your lunch to work four days a week can help pay down student loan debt.

Still, if you do happen to be a college freshman or high school senior reading this, you might want to check out this list instead — before you register for classes next semester.

Alex Mahadevan is a data journalist at The Penny Hoarder.  He was a music major for exactly two semesters in college.

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

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

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Black Eyed Peas ft. Nas “Back 2 HipHop,” Lil Jon ft. Kool-Aid Man “All I Really Want For Christmas” & More | Daily Visuals 12.18.18

'Black Panther' - European Premiere - VIP Arrivals

Source: David M. Benett / Getty

Last week Nas and Swizz Beatz linked up for a mesmerizing visual in “Echo” and today the Queensbridge king returns to assist The Black Eyed Peas on one of their tracks.

In the CGI backed visuals to “BACK 2 HIPHOP” the three man group don old school Hip-Hop clothes and gold while Nas’s verse features a rapping sphinx a la I Am…’s album cover. Pretty clever way to include Nas in the video.

Lil Jon meanwhile comes out of hiding and links up with Kool-Aid Man to get in the Christmas spirit in the clip to “All I Really Want For Christmas.” Whose idea was this?!

Check out the rest of today’s drops including work from YBN Nahmir featuring Wiz Khalifa, O.T. Genasis, and more.

THE BLACK EYED PEAS FT. NAS – “BACK 2 HIPHOP”

LIL JON FT. KOOL-AID MAN – “ALL I REALLY WANT FOR CHRISTMAS”

YBN NAHMIR FT. WIZ KHALIFA – “CAKE”

O.T. GENASIS – “BAE”

DIZZY WRIGHT – “DON’T TELL ME IT CAN’T BE DONE”

SURVE FT. TINMAN3K – “FOUND MY WAY”

12HONCHO – “DEPRESSED”

CUZ LIGHTYEAR – “BACC ON MY BS”

YOUNG FRESH – “BREAKING MY HEART”

The Latest Hip-Hop News, Music and Media | Hip-Hop Wired

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7 Mistakes to Avoid Now If You Ever Want to Retire (and What to Do Instead)

Picture this: You’ve finally retired, and now you are sailing in the Gulf of Mexico on your boat with your closest friends and loved ones. The water is blue, the breeze tickles your nose with salt and the cool drink in your hand is perfect.

Or maybe your retirement dream is built around a cabin in the mountains, travel to exotic places or just a whole lot of golf. But what if you lose your focus?

We spoke with Mike Windle, a retirement planning specialist at C. Curtis Financial in Plymouth, Michigan, about some common bad moves people make to derail their retirement savings plans.

And, because we don’t want to see you still punching the time clock in your 70s, we’ve added some solutions to help keep your retirement savings growing in a way that will support you after you’ve called it quits.

Bad Move No. 1: Having Too Much Debt

TPH photographer, Tina Russell, in various scenes showing credit card debt, consolidation and bankruptcy on August 14, 2018

It’s hard, if not impossible, to make great strides toward your retirement if you’re paying a small fortune in interest on old debt.

Have you ever considered consolidating that debt? It could substantially lower payments you’re already making and help you save more money each month.

A lot of us are being crushed by credit card interest rates north of 20%. If you’re in that boat, consolidation and refinancing might be worth a look.

A good resource is Fiona, a search engine for financial services, which can help match you with the right personal loan to meet your needs.

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

When you’re not shelling out so much money for high interest debt, you have a little more that you can put toward the future.

Bad Move No. 2: Not Starting While You’re Young

According to Windle, this is the No. 1 issue when it comes to bungling retirement plans. It’s best to start young, and it can be very difficult to make up the difference if you start later on.

“For every year sooner that you start, on average, you’re able to cut potentially two to three years off of how long you have to work,” he says.

However, when you’re young, it seems like you never have enough money left over after you pay bills. If you’re like most of us and wish your money would just take care of itself, consider starting an investment account through Acorns.

You can start small and stack up change over time with its “round-up” feature. That means if you spend $ 10.23 at the grocery store, 77 cents gets dropped into your Acorns account.

Then, the app does the whole investing thing for you. It doesn’t offer all the benefits of a retirement account, but if you need a little help, it can at least get you started.

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

When it comes to long-term investing, starting young is rule No. 1. Even if all you can do is a little, it can make a big difference down the road.

Bad Move No. 3: Ignoring High Fees on Your Retirement Accounts

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

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

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

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

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

Bad Move No. 4: Stashing Money in a Low-Interest Savings Account

Business Man Stock, shot in Atlanta, GA, on November 25, 2018.

OK, maybe you don’t want to risk everything on investments. That’s OK, but if you want a simple savings account for some of your retirement savings, at least make sure you’re earning better-than-average interest on that money.

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

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

Varo goes easy on the fees, too. As long as you use one of its 55,000 ATMs across the world, you’ll never pay fees.

Additionally, you’ll pay no monthly service fees, no minimum balance fees, no foreign transaction fees and no cash replacement fees. You’ll just pay any fees charged by out-of-network ATMs and cash deposit fees if you deposit cash in-store through Green Dot.

Bad Move No. 5: Taking Money out of Your 401(k) Early

Just when your retirement savings are doing well, your car breaks down. Or you have medical bills that pile up. When things get tough and you need money, that stash you have sitting in your 401(k) can start to look pretty tempting.

There are better ways to fight through a tight spot than to sacrifice your future. Try getting a low-interest loan instead.

“Any low interest is better than draining money out of your 401(k),” says Windle. “If you take it out, you get a 10% penalty, most likely. For the vast majority of America, most of their retirement is in a 401(k), so if you start to deplete that and pull out $ 10,000, $ 20,000, $ 30,000, you could be taking two to three years [of savings] off and adding four to six years on the back end.”

If you need a personal loan quickly, look into the online lending platform Upstart, which can help you find a loan without relying on only your conventional credit score.

Unlike traditional underwriting models that use only the common FICO scoring model, Upstart’s technology looks at factors like your education and employment history to determine your creditworthiness.

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

Windle says there’s another option, as well. “A lot of times, 401(k)s will offer loans. Technically your money is still in there, so it’s still growing, but you end up paying yourself back.”

Bad Move No. 6: Not Contributing the Right Amount to Your 401(k)

If you think you’re on top of your game because you’re tucking away 2% of every paycheck and you’re still young, think again.

If your employer offers a 401(k) program, there’s also a good chance it offers a match. Typically you’ll see companies match your 401(k) contributions up to about 3 or 4 % —  some are even higher. That doubles the money you’re saving. Then, when interest kicks in, you really get a boost.

So how much of your paycheck should go to your 401(k)? You might be surprised at the answer.

“The best strategy, this was against the grain, but really you only want to put in the match,” says Windle. “By putting more into your 401(k), all you are doing is creating taxable income down the road.”

If that’s the case, how do you save more than just what your employer matches?

“If your work offers a Roth option, that’s where you want to put the most you can,” he says. “Anything above the match, you definitely want to go into Roth.”

A Roth IRA or 401(k) account is an account that uses after-tax money. That means you’ll pay taxes now, but it’ll earn interest tax-free, and you won’t pay taxes when you withdraw it.

Then reconsider your contributions when you get a bump in pay.

“As you get raises, take a portion of that raise, and put it toward your retirement,” says Windle. “Typically what I recommend is at a minimum, take 10 to 20% of that raise and add to whatever you’re doing for retirement savings.”

It won’t be long before you’ll love checking in on your retirement accounts and seeing how much they have grown.

Bad Move No. 7: Not Budgeting

Budgeting with cash in envelopes.

Budgeting is like going to the dentist. No one really wants to do it, but if you do, it makes life much, much better.

You don’t have to go right for a root canal. Ease into it. To simplify the process, try using the 50/20/30 budget plan: 50% of your money goes toward essential living expenses; 20% goes toward hitting your financial goals (can you say retirement savings?); and 30% is designated for personal spending.

You’ll want to map out your current spending. Rather than combing through your monthly statements and inputting numbers into an Excel sheet, use the automated spend tracker in the Empower app, which helps you organize and track your financial goals.

Simply link your various accounts, and you can review your spending and make adjustments as needed to stay on the right track.

“Write down a budget that shows what you’re spending your money on,” says Windle. “It opens people’s eyes to where their money goes. Circle four to five things you can do without, and see how much you have.”

Don’t Panic, but Don’t Procrastinate

Saving for retirement shouldn’t be a tremendous burden on your life now. That being said, you can’t wait until that magical day when you have plenty of expendable income to shuffle toward retirement savings, either.

Why? Because that day never really comes for most of us.

“It’s human nature,” says Windle. “As you have more disposable income, you’ll get more bills and spend more money. It’s always good to take what excess you have and start saving.”

Set a plan, get started as early as you can and then follow these basic tips to keep from derailing your retirement. You want to make those golden years really shine.  

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

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

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Even Weirder Heroes and Other Things We Want to See in the ‘Spider-Verse’ Sequel

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

Spider-Gwen + Miles



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

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

 

New Villains



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

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

 

Venom



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

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

 

Morlun and the Inheritors



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

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

 

Even Weirder Spider-Heroes



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

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

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

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

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

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CNN’s Don Lemon: Obama-Trump Comparisons Make Me ‘Want to Scream at the Television’

“I want you to listen to this closely because this has been bugging me for the last few days,” Don Lemon said towards the top of his primetime CNN show Monday night. “I just want to scream at the television when I see it.”

The host went on to explain that President Donald Trump “and his apologists” are “working very hard” to claim that Michael Cohen’s campaign finance felonies—allegedly at the direction of Trump—were “just like what Obama did during his campaign.”

Lemon was referring to civil reporting violations made by the Obama campaign in 2008 and uncovered by a 2012 audit by the Federal Election Commission, leading to the payment of a $ 375,000 fine.

Read more at The Daily Beast.

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William, Kate, Harry and Meghan have a royal group chat and we want in

How can we join?

prince harry meghan markle
Credit: REX

You’re probably not all that surprised to learn that these are the most popular royals. The top spots go to Prince Harry, the Queen herself, and Prince William – but don’t worry, Prince George got a place in the top ten, too (and well deserved, we might add).

So in light of the fact that Harry and William are fan faves, you’ll probably be interested to know that they are besties behind the scenes, too – despite what many of the headlines have suggested over the past few weeks.

The brothers are closer than ever, and they even keep in touch via a group chat. No, really. They’ve got a thread going on.

And as if we needed any more proof that the royals are just like us really, it turns out that the fab four use a family chat to keep up with each other. Apparently, William, Kate, Harry, and Meghan are ‘all on a family text chain,’ according to a source close to the royal family who spoke to Us Weekly.

prince harry meghan markle

Credit: REX

What do you reckon they talk about? Do they communicate through memes and gifs and emojis? Do they share their thoughts on the latest episode of EastEnders? We need to know.

While it’s all very lovely and we can only imagine what royal lols go on in their private messages, we have one question – why isn’t the Queen invited to get in on the action? She’d be an absolute joker, we imagine. Have you read about her Christmas present rules?

The source also touched on recent reports that there is friction between the Duchess of Cambridge and the Duchess of Sussex, quashing the rumours once and for all.

‘Kate is lovely. She’s British, she’s reserved. You have to break through that armour,’ they told the publication.

‘Kate doesn’t warm up to people too quickly. It takes some time for her to become comfortable and trusting for anyone in the outside world.’

So there you have it.

The post William, Kate, Harry and Meghan have a royal group chat and we want in appeared first on Marie Claire.

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‘Bumblebee’ Director Didn’t Want Michael Bay’s Opinion on the Character

SPOILER WARNING: The following article contains mild spoilers for Bumblebee. Proceed at your own risk.

If fans – or, should we say, haters? — of the Transformers franchise aren’t discussing how unconvincing the robot fight scenes are, they’re debating the intricacies of Bumblebee’s voice. One minute, his dulcet tones are completely destroyed and he’s using a blend of soundbites and music from the radio to communicate, the next he’s using the voice he was born with. And then it’s busted again. Sometimes, the problem is implied to be fixable, and sometimes it’s suggested that he doesn’t want it fixed.

So, with the sparky little yellow VW-Beetle-Autobot now starring in his own spin-off movie, it seems timely to tackle the contentious issue of Bumblebee’s voice, and attempt to figure out once and for all why it’s so all over the place. Especially since, as you’ve probably heard, Bumblebee speaks (with Dylan O’Brien’s voice) in this movie. Though not for long…

The Origin Story

For this 1987-set prequel, franchise champion Michael Bay relinquishes the reins to make way for animation genius, and self-confessed Transformers fan, Travis Knight, at the helm. It’s a brave but calculated move that might just reinvigorate a franchise that saw its fifth film, The Last Knight, take a considerable drop in profits. Amid accusations that the series has become overblown, for Bumblebee it’s very much back to basics, with a small-scale, heartwarming, coming-of-age story taking precedence over high-stakes robot wars. It works beautifully, and while the slate in some ways is wiped clean, Knight still had to take care to incorporate Bay’s tweaks to the lore.

“In Michael’s films, they changed some of the mythology, and Bumblebee speaks through the radio. That’s one of his iconic characteristics,” says Knight. “So, it was really important for me, if we were going to tell an origin story about one of the Transformers, one set in the era where the Transformers originated – the mid-’80s – [to address Bumblebee’s voice].”

As a child of the 1980s, Knight first fell in love with Transformers when he saw the original animated series.

“Bumblebee always had a voice,” says Knight, remembering the cartoon. This meant that it was critical for Knight “to understand some of these aspects of Bumblebee’s character that never really got satisfying answers as to how these things happened”.

For Knight, it was important to show how Bumblebee’s voice became damaged: “And how, both literally and metaphorically, he regains it by the end of the movie.”

His Voice Is Unfixable


Bumblebee's voice
Bumblebee's voice is unfixable, says director Travis Knight.

That isn’t to say Bumblebee regains the power of speech as he once knew it. Instead, he finds this new, arguably more effective, way to communicate via the relationship he has with Hailee Steinfeld’s outsider teen, Charlie. It is she who teaches him about the power of music to communicate and express emotion and complex thought, and as he uses the technique more and more, we witness him become increasingly adept at it. A good thing too, since Knight declares that Bumblebee’s voice can’t ever be fixed because of what we see happen in the film. And if you don’t want that scene spoiled for you, scroll past the next paragraph now.

“He has his, whatever the equivalent of his vocal synthesizer/processor is, ripped out of his throat,” he explains. “It would be the same thing if we lost the ability to speak. We’d never be able to speak again, and the guy rips it out, and destroys it. So, no — he’s never going to be able to speak again but through this [radio] thing he’s able to communicate and express himself.”

Crawling Inside Michael Bay’s Brain

Important as it was for Knight to show how Bumblebee is irreversibly maimed, rendering him forever mute, it was less pressing for Knight to figure out exactly why Bumblebee’s voice drifts inexplicably in and out within Bay’s franchise. And he says he never questioned — or wanted to question — Bay about it.

“I didn’t want to know if Michael had a difference of opinion on that because I knew very clearly that this is why, and this is what it needs to be.”

“I had a number of conversations with Michael, but not specifically about that aspect,” says Knight. “It was important for me to just kind of sit director-to-director, filmmaker-to-filmmaker, and talk about his philosophy on the series. He’s the guy who’s been the shepherd for the Transformers franchise for the last decade. I really wanted to crawl inside his brain and just get his philosophy on things. How he approached it.

“But specifically with Bumblebee’s character, no, I didn’t ask him about that. Because in my mind I knew the story that I wanted to tell for this movie, and that was an aspect of that story. I didn’t want to know if Michael had a difference of opinion on that because I knew very clearly that this is why, and this is what it needs to be.”

Different Choices

Knight adds, “This movie is self-contained, so I imagine where it goes from here. And, of course, there’s the films that follow, which show you where he goes. But I might not have made that choice if I was making those films.”

Knight concedes that fans might never get satisfactory answers to the questions they have. “Look, it’s super inconsistent, I acknowledge that,” he says. “I think Michael would acknowledge that; that, oftentimes, it bounces around. I know that. He knows that. I don’t know why.”

With prequel Bumblebee garnering better reviews than perhaps any of the Transformers sequels, it’s clear there’s life in the franchise yet. Executives would do well to keep Travis Knight on for at least one more film — his vision has won over the critics and looks set to please audiences too. And if he does stay on, perhaps we’ll see some answers retconned after all — or the franchise entirely rebooted perhaps?

Bumblebee hits screens in Australia on December 20, the US on December 21 and the UK on December 24, with preview screenings in the UK on December 15, 16 and 20.

‘Bumblebee’: Hooray! Robot Fights Have Serious Consequences

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Kevin Hart’s Out At The Oscars – But Does Anyone Else Want The Job?

LOS ANGELES (AP) — The “most thankless job in town” just got even more difficult.

The Oscars have a longstanding host problem, but Kevin Hart’s swift downfall over old anti-gay tweets has led to bigger questions about the gig and the liability of social media histories.

It’s just the latest controversy for the organization that puts on the Academy Awards, which is trying to combat declining ratings for its marquee event while weathering the pressure of being a focal point for the shortcomings of the entertainment industry as a whole.

“I think it’s embarrassing,” Matthew Belloni, the editorial director of The Hollywood Reporter, said about the academy’s decision to pick Hart. “It shows that they either didn’t vet this host properly, or they did vet him and didn’t think this would be an issue. And both are a little troubling.”

Hart seemed to fit the bill for what the academy was looking for.

“He checks all the boxes for a show like the Oscars,” Belloni said. “He’s a legitimate movie star. He’s a funny guy and can handle the stand-up element of the show. And he has a gigantic social following. And to the academy, that’s important. They want someone who can bring a new audience to the show.”

But Oscars hosts have always been subjected to a lot of scrutiny.

Poor or even mediocre performances can haunt people for years (Anne Hathaway and James Franco). Off-color jokes have a way of festering in the cultural consciousness (think of Seth MacFarlane’s “we saw your boobs” song, or Chris Rock’s Asian jokes). And even when things go decently enough, everyone is handed the right envelope and nobody walks away offended, the hosts can still be blamed for poor ratings.

“Oscars host has become a not very desirable job in Hollywood. Very few people see an upside,” Belloni said. “You put a huge target on your back.”

People have stepped down from being the public face of the event amid controversy, as producer Brett Ratner did in 2011 for anti-gay slurs. But Hart’s case is a little different. Ratner’s offensive remarks came after he had secured the gig. Hart’s tweets were from almost a decade ago and were well-known.

But in 2018, an unsavory social media past can cost someone their job. Just this past summer, the Walt Disney Co. fired director James Gunn from the third “Guardians of the Galaxy” movie for old tweets in which he joked about subjects including rape and pedophilia. As with Hart, the problematic tweets were amplified by social media outrage.

Immediately after Hart was confirmed as host on Tuesday night, some journalists began tweeting reminders of Hart’s past comments. By Thursday morning, a few publications had written articles about them. The outrage escalated, Hart commented but did not apologize, stoking even more outrage, which culminated with Hart’s announcement on Thursday night that he was stepping down as host of the 91st Academy Awards.

As the dust settles, the situation has proved vexing for some in the entertainment business. Actor D.L. Hughley commended Hart for his decision.

“A Comedian says something that offends people and refuses to apologize?” Hughley tweeted. “(Expletive) ’em if they can’t take a joke! Well done #KevinHart.” Snoop Dogg posted an even more colorful Instagram video in support of Hart.

The advocacy organization GLAAD wishes Hart hadn’t stepped down, however.

“Hart’s apology to LGBTQ people is an important step forward, but he missed a real opportunity to use his platform and the Oscars stage to build unity and awareness,” said GLAAD President and CEO Sarah Kate Ellis.

The film academy has yet to address Hart’s departure. Hart said the film academy told him he had to apologize or he’d lose the gig. He bowed out on his own, and with an apology.

Now everyone has an opinion about who should be named host. A woman? A comedian? Not a comedian? Someone in the LGBTQ community? All of the above?

Many keep coming back to Whoopi Goldberg, who has hosted the awards four times. Some have said Ellen DeGeneres, who hosted one of the Oscars’ highest-rated shows, or Tom Hanks, who has a longstanding academy relationship.

Others have said Keegan Michael-Key and Jordan Peele, Will Smith or Lin-Manuel Miranda. Busy Phillips threw her own name out there (“I AM AVAILABLE,” she tweeted). Philips also proposed Issa Rae, Sarah Silverman, Ali Wong, Samantha Bee, Robin Thede and Aisha Tyler, or “any other woman working in Hollywood right now who wants to.” Stephen King suggested Patton Oswalt (He’s “funny, sharp-tongued, and he knows film,” King tweeted.) Some have even proposed Philadelphia Flyers mascot Gritty. Or no host at all, which has been done several times before, and as recently as 1989.

But the film academy will need to move quickly. The 91st Oscars are less than three months out.


HEAD BACK TO THE BLACKAMERICAWEB.COM HOMEPAGE

 

 

Entertainment – Black America Web

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If the Dems want to lose in 2020, Beto O’Rourke is the perfect candidate

Beto O’Rourke, with widespread backing, is considering running for president in 2020. If Democrats want to lose, he absolutely should. Nothing has been learned from Hillary Clinton, the two-time heiress apparent who, in 2016, had the support of nearly every mainstream media outlet, who entered the final stretch of her last race with a $ 449…
Opinion | New York Post

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My Husband Died and Left Me With Debt. I Want to Use My IRA to Pay It Off

Dear S.,

No, no, no, no, no. Like all the others, I will tell you not to do this.

But you want to know why? I can tell you that, too.

I’m sure you feel like wiping out those student loans quickly would relieve some of the weight on your shoulders. But what happens if you hit age 65 and don’t have any retirement savings left?

If you can let that IRA grow as long as possible, it will continue to earn, even while you take distributions when you hit the minimum age. It will provide necessary income when you retire, or in the event that you can’t work anymore before your ideal retirement age.

I want you to consider a couple factors about your husband’s student loans, if you haven’t already.

First, make sure they aren’t federal direct student loans, which are typically discharged if the borrower dies. Second, if they’re private loans, consider contacting the lender for what’s called a “compassionate review,” which in some cases will result in a loan being discharged if the lender deems you unable to pay.

It sounds like you’re on the right track paying down credit cards during a no-interest period, even if you’re dealing with new bills right now. Your debt is not insurmountable. But when it’s finally paid off, you need to make sure your future is secure.

Consider meeting with a debt counselor who can take an objective look at your situation. To find someone near you who’s qualified, visit the online directories of the Financial Counseling Organization of America or the National Foundation for Credit Counseling. Brief debt counseling would have been part of your bankruptcy process, but it’s often just a cursory session; what you need now is someone to tell you if there’s a way you haven’t considered to ease your debt burden without putting your future financial security at risk.

Are you dealing with difficult financial choices made by someone close to you? Write to Dear Penny at https://www.thepennyhoarder.com/dear-penny/

Lisa Rowan is a personal finance expert and senior writer at The Penny Hoarder, and the voice behind Dear Penny. For more practical money tips, visit www.thepennyhoarder.com.

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

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

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British cops want to see if AI can prevent crimes, like ‘Minority Report’ in real life

Crime prediction

Governments and entities around the world are starting to venture deep into Minority Report-land, giving serious attention to the use of artificial intelligence and scoring databases to assign risk in a way that influences the lives of ordinary people in profound, game-changing, and even slightly creepy ways.

We reported just last week about how the government in China is rolling out a “social credit” scoring system that central authorities are using to keep closer watch on the country’s 1.3 billion citizens and to limit the activities — like booking flights — of people deemed to be “untrustworthy” and assigned low scores as part of this system.

Continue reading…

BGR Top Deals:

  1. Amazon’s 12 Days of Deals sale kicks off with big discounts on Bose, Arlo, smart LED bulbs, more
  2. There’s a $ 17 case on Amazon that adds wireless charging to older iPhone models

Trending Right Now:

  1. Everything new coming to Netflix this week, and everything leaving (week of Dec. 2)
  2. Top Apple insider says AirPods 2 will hit stores early next year
  3. The best-selling Bluetooth speaker on Amazon has 21,500 5-star reviews, and it’s down to $ 22

British cops want to see if AI can prevent crimes, like ‘Minority Report’ in real life originally appeared on BGR.com on Sun, 2 Dec 2018 at 15:14:11 EDT. Please see our terms for use of feeds.


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So Cute: Mariah Carey Teaches Her Twins Background Vocals to ‘All I Want For Christmas Is You’ [Video]

Mariah Carey’s twins might just have a career in music — if they so choose.

The singer shared a super cute clip of twins Moroccan and Monroe, 7, getting in the Christmas spirit by singing background vocals to her legendary hit “All I Want For Christmas Is you” are in the Christmas spirit!

“Roc & Roe have been practicing the background vocals to ‘All I Want For Christmas Is You,’ we’re gonna take this one step at a time— we’re very excited about it! It’s our first video doing this! It’s festive, Cmon!!” Mariah wrote alongside the video on Twitter adding a few Christmas tree emojis.

Get into the precious moment below.

The post So Cute: Mariah Carey Teaches Her Twins Background Vocals to ‘All I Want For Christmas Is You’ [Video] appeared first on lovebscott – celebrity news.

lovebscott – celebrity news

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Does Trump Really Want the Border Wall?

Photo Illustration by The Daily Beast

President Trump is once again demanding cash to build his border wall. But does he really want it? Like, really?

Immigration will dominate the conversation as Congress heads into session for what promises to be one of the least lame, lame duck sessions in recent memory. The spark: a confrontation between U.S. Customs and Border Patrol and migrants at the border in Tijuana on Sunday afternoon escalated to a point where tear gas was shot into the crowd of migrants—including women and children.

The president immediately used the incident to fuel his push for the wall—a refrain that will likely become deafening as the Dec. 7 deadline to fund the government looms closer. But there are indications that he’d rather fight over the wall than actually get the thing up.

Read more at The Daily Beast.

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SPECIAL NEWS BULLETIN:

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

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Cyber Monday engagement ring sales you won’t want to miss out on

Or how to get cheap diamond rings

black friday engagement ring sales

Black Friday 2018 is fast approaching, and as ever, we predict it to be the biggest online shopping weekend of the year in the UK. And with just 3 days to navigate those jaw-dropping Black Friday engagement ring sales (just in time for Christmas), we thought we’d make life that little bit easier for you with a guide to the best destinations, and what to look for while you’re there.

From the Black Friday trainer deals to the Black Friday dresses along with all the other Black Friday clothing sale and Black Friday watches we’ve got you covered.

 

Was £5799 Now £3299- Buy Now

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Was £899 now £719.20- Buy now

MONICA VINADER Fiji Large Button sterling silver and diamond stacking ring

Was £495 now £396 with CODE: SELFCCE

 

 

When is Black Friday 2018?

Black Friday falls on the day following Thanksgiving Day in the United States (which is the fourth Thursday of November). Here the UK, Black Friday 2016 will fall on 23rd November (which is a Friday) so you still have time to bookmark the shops you want to visit and pick out the deals you’re going to go after.

What is Black Friday?

Black Friday is a day when shoppers can take advantage of *huge* discounts from various jewellery retailers. We’re talking loads of money off engagement rings, just in time for a romantic Christmas proposal.

Black Friday Engagement Ring Sales

There is NO SHAME in buying an engagement ring on Black Friday – it’s a big investment, why not save a few quid in the name of a killer honeymoon instead? There’s a number of jewellers getting in on the action from Ernest Jones all the way through to Tiffany’s, so if you’re looking to pick something up for a loved one or really just need someone to take a bloody hint already – we’ve curated our favourite picks this Black Friday.

From classic solitaires to fashion-forward settings, there’s something for every personality above. (We’re not going to lie, we’re particularly in love with the Elise Dray ring.) Make sure you keep us bookmarked and check back in every day, as we’ll be adding new bling every day.

How much to spend on an engagement ring?

We all know that old rule of spending two months’ wages is a bit antiquated, and in fact couples are spending less than ever on engagement rings, especially with the rise of alternative engagement rings. According to Refinery29, the average spend on an engagement ring over the past five years now stands at £1,080 compared to £1,333 spent up to 10 years ago.

How to shop for an engagement ring

As well as the four Cs, Cut, Carat, Clarity and Colour, there are many things you should look out for when buying an engagement ring, including the shape and if you should buy an engagement ring online, luckily we have you covered. Here’s our handy guide on, how to buy an engagement ring online, plus all the questions to ask when choosing an engagement ring – you’re welcome.

Engagement ring trends

According to 77 Diamonds, yellow gold has taken over platinum for engagement rings this year. While platinum was the metal of choice for proposees in 2013-2015, in 2016, white gold came into favour, soon to be replaced by yellow gold in 2017.

In terms of the cut of the diamond, the oval cut diamond was a celebrity favourite in 2013 and 2014, but since then, emerald has been the preferred cut.

And, if proof were needed that size doesn’t matter, people spend more on the quality of the diamond now, than they do on the size.

But it’s not all about diamond engagement rings, as other metals and stones have become increasingly popular. Kate Middleton’s sapphire and diamond engagement ring sparked demand for similar styles, while pink diamonds and rose gold bands are top of many a wish list.

Pandora black Friday engagement ring sales

Pandora may be known for its charm bracelets, but they have a great selection of rings too. Though they’re not diamond rings, their designs include sparkling Cubic Zirconia that look like the real deal, and all for under £100, they’re great if you’re on a budget, or if you’d like to buy a ‘dummy’ ring for the proposal and pick a more expensive style together later.

There are some timeless silver solitaire rings, and pretty rose gold cushion diamond rings with eternity bands. Scroll down for our pick of the best Black Friday deals on Pandora engagement rings.

Shop Now 

Tiffany’s black Friday engagement ring sales

If you’re really wanting to push the boat out, then we don’t know anyone who wouldn’t love a Tiffany’s engagement ring, whether it’s a simple solitaire diamond on a platinum band, or a princess cut stone mounted on a diamond band. Here are the best Black Friday deals on Tiffany’s engagement rings.

Shop Now 

Argos black Friday engagement ring sales

Don’t knock Argos because it’s, well, Argos. You can get some seriously good deals on diamond rings, and if you’re on a budget, your £££ can go a long way. For Black Friday, Argos is offering up to xx% off their jewellery range, including engagement rings, and engagement and wedding ring sets.

There are square cut solitaires, trilogy diamond rings and eternity rings, as well as semi-precious stone rings like amethyst rings, so take your pick in our edit below.

Shop Now

H. Samuel black Friday engagement ring sales

Jewellery H. Samuel is always a popular choice when it comes to buying engagement rings, and for Black Friday, they have up to xx% off selected lines. Square cut diamonds, round diamonds, pear shape diamonds and even heart shaped diamonds come on platinum, gold, silver, white gold and even rose gold bands, so again, you’re pretty spoiled for choice. Shop our edit of the best Black Friday H. Samuel engagement rings below.

Shop Now 

The post Cyber Monday engagement ring sales you won’t want to miss out on appeared first on Marie Claire.

Marie Claire

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Democrats need someone they don’t want in order to win in 2020

Joe Biden is a gaffe-prone 75-year old Washington veteran — who is exactly what Democrats need. The suburbs have turned against Republicans, but President Trump’s working-class base is still with him in a geographic and demographic stand-off that will — absent a game-changer — define the 2020 election. The play for Democrats should be obvious:…
Opinion | New York Post

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Want to beat the Christmas rush? Here are key shipping deadlines for the holidays

With the annual holiday shopping frenzy here, those of us who would rather shop online than brave long lines in chilly temperatures need to be aware of key ordering dates for the holidays.

The stakes are especially high this holiday season. Online spending this holiday is expected to see a nearly 15% increase to $ 124 billion, according to a forecast by Adobe Analytics, a company that tracks transactions from top retailers.

Ordering gifts in time for the holidays? Know these key dates

That means that if you wait too long to order your goods online, you run the risk of being empty handy when it comes time to exchange gifts. To help online shoppers, retailers are offering free shipping or dropping their purchase minimums.

Many have also banded together like in years past to offer “free shipping day,” set for December 14, 2018. This is the ship-by date that retailers are guaranteeing that your packages will be delivered in time for Christmas.

Of course, delays are quite common around this time. UPS has already announced that its shipping schedule in parts of Southern California is being affected by the wildfires.

Here are some other key dates to keep in mind:

Here is the UPS 2018 holiday shipping schedule

  • UPS 2nd Day Air: Thursday, December 20 (delivery on Monday, December 24)
  • UPS Next Day Air: Friday, December 21 (delivery on Monday, December 24)

For the most accurate appraisal of when your specific package will arrive at its destination, UPS is encouraging customers to log on to see its Calculate Time & Cost tool.

Here is the U.S. Postal Service 2018 holiday shipping schedule

The USPS recommends mailing and shipping on the following key dates for expected delivery by December 25:

USPS Retail Ground Friday, December 14
APO/FPO/DPO (except ZIP Code 093) USPS Priority Mail Express Tuesday, December 18
First-Class Mail (including greeting cards), Priority Mail Thursday, December 20
Alaska to mainland Priority Mail and First-Class Mail Thursday, December 20
Alaska & Hawaii to mainland Priority Mail Express Saturday, December 22
Priority Mail Express (includes Alaska & Hawaii to mainland) Saturday, December 22

Here is the 2018 holiday shipping schedule for FedEx

SmartPost Monday, December 10
Ground Friday, December 14
Home Delivery Monday, December 17
Express Saver Wednesday, December 19
2-Day Services Thursday, December 20
Overnight Services Friday, December 21
Keep up to date with the latest money-saving tips and more at Clark.com. Subscribe to our newsletter and follow us on Twitter and Facebook!

Here are some more Black Friday-related articles from Clark.com:

clark.com

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

Don’t Want Turkey for Thanksgiving? Here are 5 Turkey Alternatives

Anyone else out there want another dish besides turkey for Thanksgiving? If so, believe it or not, you’re not alone. A recent Yahoo survey revealed many Americans are moving beyond making the turkey as the center of attraction. Why not try some of these turkey alternatives  this year?

Roasted Leg of Lamb with Black Cherry-Pomegranate Salsa
“One of the most exciting cuts of meat to celebrate with is a bone-in leg of lamb. The presentation is so luscious on a big carving board or platter. Up in Michigan, we are always looking for new ways to eat our abundant cherries–dressed with pomegranate molasses and spooned over the lamb, they taste just as striking as they look, a perfect sweet and tangy balance to the rich meat.” (Source:Maureen Abood of Yahoo.com)

turkey alternatives

(Pinterest)

 

Slow-Cooked Duck with Green Olives and Herbes de Provence

turkey alternatives

(Pinterest)

“This is the most forgiving and delicious duck recipe you’ll ever find. By slow-cooking duck with aromatics until it’s as tasty and tender as confit, then broiling it until the skin is shatter-crisp, Paula Wolfert manages to play to all of the bird’s strengths.”(Source: Food and Wine Magazine)

Very Vegetable Lasagna

turkey alternatives

(Pinterest)

“Spinach is the star of this vegetable lasagna recipe. The veggie-based recipe makes one large lasagna (9 by 13 inches) or two smaller ones (8 by 8). For the perfect make-ahead meal, prepare two vegetable lasagnas; bake one now, and freeze the other for later.”
(Source: Martha Stewart)

Cuban-Style Shredded Beef (Ropa Vieja)

turkey alternatives

“This version of ropa vieja is made with beef and accented with olives and capers. The recipe first appeared in the April 2012 Saveur issue along with Kathleen Squires’s story, Spanish Conquest.” (Source: Saveur.com)

Smoked Pork Sausage with Hard-Cider Sauce

turkey alternatives

(Pinterest)

“Classic autumn flavors come together in this crowd-pleasing dish of smoked pork sausage with a sweet-tart hard-cider sauce and sauteed broccoli.” (Source: Food and Wine Magazine)

 

The post Don’t Want Turkey for Thanksgiving? Here are 5 Turkey Alternatives appeared first on Black Enterprise.

Lifestyle | Black Enterprise

EMPLOYMENT SEARCH UPDATE:

Don’t Want Turkey for Thanksgiving? Here are 5 Turkey Alternatives

Anyone else out there want another dish besides turkey for Thanksgiving? If so, believe it or not, you’re not alone. A recent Yahoo survey revealed many Americans are moving beyond making the turkey as the center of attraction. Why not try some of these turkey alternatives  this year?

Roasted Leg of Lamb with Black Cherry-Pomegranate Salsa
“One of the most exciting cuts of meat to celebrate with is a bone-in leg of lamb. The presentation is so luscious on a big carving board or platter. Up in Michigan, we are always looking for new ways to eat our abundant cherries–dressed with pomegranate molasses and spooned over the lamb, they taste just as striking as they look, a perfect sweet and tangy balance to the rich meat.” (Source:Maureen Abood of Yahoo.com)

turkey alternatives

(Pinterest)

 

Slow-Cooked Duck with Green Olives and Herbes de Provence

turkey alternatives

(Pinterest)

“This is the most forgiving and delicious duck recipe you’ll ever find. By slow-cooking duck with aromatics until it’s as tasty and tender as confit, then broiling it until the skin is shatter-crisp, Paula Wolfert manages to play to all of the bird’s strengths.”(Source: Food and Wine Magazine)

Very Vegetable Lasagna

turkey alternatives

(Pinterest)

“Spinach is the star of this vegetable lasagna recipe. The veggie-based recipe makes one large lasagna (9 by 13 inches) or two smaller ones (8 by 8). For the perfect make-ahead meal, prepare two vegetable lasagnas; bake one now, and freeze the other for later.”
(Source: Martha Stewart)

Cuban-Style Shredded Beef (Ropa Vieja)

turkey alternatives

“This version of ropa vieja is made with beef and accented with olives and capers. The recipe first appeared in the April 2012 Saveur issue along with Kathleen Squires’s story, Spanish Conquest.” (Source: Saveur.com)

Smoked Pork Sausage with Hard-Cider Sauce

turkey alternatives

(Pinterest)

“Classic autumn flavors come together in this crowd-pleasing dish of smoked pork sausage with a sweet-tart hard-cider sauce and sauteed broccoli.” (Source: Food and Wine Magazine)

 

The post Don’t Want Turkey for Thanksgiving? Here are 5 Turkey Alternatives appeared first on Black Enterprise.

Lifestyle | Black Enterprise

FASHION DEALS UPDATE:

Want to Save Money on Car Insurance? Do Your Homework

For many Americans—black or white—car insurance is typically a big expense in any budget. A recent survey released by Consumer Reports revealed that only one in four car insurance policyholders searched for a better deal in the previous year. The survey also showed that service outweighed cost when policyholders were asked to offer views on what they looked for the most from their insurer.

Insure.com, an independent consumer insurance website, recently ranked the best auto insurance companies across the country, with USAA, American Family, and Allstate respectively seizing the top three spots. The website’s findings were based on a survey of 3,160 current customers.

In assessing their car insurance company, a preponderance of consumers talked about how the business treated them and how reactive the insurer was in answering questions on coverage or claims. Consumers also commented on various aspects of coverage, including discounts, apps or roadside service. Price was cited, but it wasn’t the main factor for why drivers favored or did not favor their insurer.

Insure.com also reported insurers with the most market share nationally were ranked based on ratings from the policyholders evaluated in multiple categories. Those categories included the value for the price, customer service, claims satisfaction, usefulness, and how easy it is to use the insurer’s website and mobile apps. Another bracket was if consumers would recommend the insurer to a friend. The website does a yearly analysis to compile the ranking, which includes details on how companies ranked overall and other information.

Additionally, motorists should do their homework before choosing an auto insurance company. There are several options beyond the price that drivers should consider than just finding the best bargain.

How To Choose The Best Car Insurance

Here are a few other tips to keep in mind when shopping around for car insurance, based on a report published by Black Enterprise in 2015.

  • Before you begin comparison shopping, find out your state’s minimum insurance requirements and make sure you’re covered for an amount equal to the total value of your assets.

 

  • Keep premiums low by choosing collision coverage with a high deductible and plan to pay routine repair costs out-of-pocket.

 

  • Be sure to comparison shop. Visit insurancepanda and Insurance.com to complete an application form for comparison quotes from several insurance companies.

 

  • There are three kinds of insurers: Direct sellers such as GEICO and Progressive that sell coverage directly to you, large national brands such as Allstate and State Farm, and independent insurance agents that offer various insurance options from many different companies. Direct sellers favor drivers with impeccable driving records so you may have trouble qualifying for coverage if you have a history of accidents or moving violations. National brands are helpful for drivers with spotty records and their rates are usually competitive. Independent agents have great inroads to help get you better coverage at better rates than what you’d find on your own.

 

  • Ask about all available discounts. There is almost always a way to save money. You may get a discount if your car has antilock brakes, if you don’t drive your car often, or if you take a defensive driving class. Request a list of all possible discounts to see if you qualify.

 

  • Skip towing insurance. It’s better to take that extra money and join an auto club such as AAA instead. In addition to towing, you’ll have roadside assistance when you need it.

 

  • Bundle if you can. More insurance companies are offering substantial savings—up to 20%—when you protect all your property with one insurer. Multiple-policy discounts can apply to combinations of home, auto, life, and even motorcycle insurance.

 

The post Want to Save Money on Car Insurance? Do Your Homework appeared first on Black Enterprise.

Money | Black Enterprise

FASHION DEAL UPDATE:

Shop select Free People sale and clearance items at Bloomingdales.com!

Want to Save Money on Car Insurance? Do Your Homework

For many Americans—black or white—car insurance is typically a big expense in any budget. A recent survey released by Consumer Reports revealed that only one in four car insurance policyholders searched for a better deal in the previous year. The survey also showed that service outweighed cost when policyholders were asked to offer views on what they looked for the most from their insurer.

Insure.com, an independent consumer insurance website, recently ranked the best auto insurance companies across the country, with USAA, American Family, and Allstate respectively seizing the top three spots. The website’s findings were based on a survey of 3,160 current customers.

In assessing their car insurance company, a preponderance of consumers talked about how the business treated them and how reactive the insurer was in answering questions on coverage or claims. Consumers also commented on various aspects of coverage, including discounts, apps or roadside service. Price was cited, but it wasn’t the main factor for why drivers favored or did not favor their insurer.

Insure.com also reported insurers with the most market share nationally were ranked based on ratings from the policyholders evaluated in multiple categories. Those categories included the value for the price, customer service, claims satisfaction, usefulness, and how easy it is to use the insurer’s website and mobile apps. Another bracket was if consumers would recommend the insurer to a friend. The website does a yearly analysis to compile the ranking, which includes details on how companies ranked overall and other information.

Additionally, motorists should do their homework before choosing an auto insurance company. There are several options beyond the price that drivers should consider than just finding the best bargain.

How To Choose The Best Car Insurance

Here are a few other tips to keep in mind when shopping around for car insurance, based on a report published by Black Enterprise in 2015.

  • Before you begin comparison shopping, find out your state’s minimum insurance requirements and make sure you’re covered for an amount equal to the total value of your assets.

 

  • Keep premiums low by choosing collision coverage with a high deductible and plan to pay routine repair costs out-of-pocket.

 

  • Be sure to comparison shop. Visit insurancepanda and Insurance.com to complete an application form for comparison quotes from several insurance companies.

 

  • There are three kinds of insurers: Direct sellers such as GEICO and Progressive that sell coverage directly to you, large national brands such as Allstate and State Farm, and independent insurance agents that offer various insurance options from many different companies. Direct sellers favor drivers with impeccable driving records so you may have trouble qualifying for coverage if you have a history of accidents or moving violations. National brands are helpful for drivers with spotty records and their rates are usually competitive. Independent agents have great inroads to help get you better coverage at better rates than what you’d find on your own.

 

  • Ask about all available discounts. There is almost always a way to save money. You may get a discount if your car has antilock brakes, if you don’t drive your car often, or if you take a defensive driving class. Request a list of all possible discounts to see if you qualify.

 

  • Skip towing insurance. It’s better to take that extra money and join an auto club such as AAA instead. In addition to towing, you’ll have roadside assistance when you need it.

 

  • Bundle if you can. More insurance companies are offering substantial savings—up to 20%—when you protect all your property with one insurer. Multiple-policy discounts can apply to combinations of home, auto, life, and even motorcycle insurance.

 

The post Want to Save Money on Car Insurance? Do Your Homework appeared first on Black Enterprise.

Money | Black Enterprise

FASHION DEAL UPDATE:

Shop select Free People sale and clearance items at Bloomingdales.com!

Claire Foy Doesn’t Want ‘The Girl in the Spider’s Web’ to Diminish #MeToo

Much has been said about both The Girl in the Spider’s Web and Claire Foy, the film’s star. The movie — Fede Alvarez’s adaptation of the first book in the Millennium series not written by Stieg Larsson — has seen its main protagonist, Lisbeth Salander, tagged ‘Lady Batman’ and labelled a poster girl for #MeToo. Meanwhile, Foy has been vocal about her dislike of the term ‘strong women’.

The Crown actress, it seems, doesn’t like labels – and though she’s reticent to attach the #MeToo tag to The Girl in the Spider’s Web, Foy does acknowledge the film’s relevance and importance to the cause. Lisbeth’s first #MeToo moment is addressed in the film – the abuse she endured at the hands of her father as a young girl. Lisbeth would also go on to suffer at the hands of her guardian – as seen in The Girl With the Dragon Tattoo – against whom she would eventually retaliate. Brutally. Salander, Foy admits, reacts to abuse like so many real-life women who’ve embraced #MeToo, only speaking out about their story, or taking action, some time after the event.

The Best Thing is to Not Fight


Girl-in-the-Spider's-Web
Claire Foy as Lisbeth Salander, complete with avenging hero make-up.

“I think that’s the point of why Lisbeth is moved to action,” says Foy of the impotence felt by women when it comes to speaking out. “I think she never felt when she was being abused by the guy that was supposed to be in charge of her — you know, he’s supposed to be a ward of the state, he was supposed to be taking care of her, was her caregiver, I suppose… she’s been so trained by the predator-victim dynamic that she knows there’s very little she can do and that there’s very little… she’s powerless. She knows that the best thing is to not fight, in a way.”

Foy explains that Salander chooses to act the way she does in order to take back control, to seize the power, to transcend victimhood – because she knows she’ll be let down if she goes the accepted route. A route established by a society that routinely shifts the blame or onus onto women when it comes to rape or sexual assault, and one that makes them feel ashamed and victimised. In the original film, Salander waits for the right moment to mete out her carefully plotted revenge on her abuser. In The Girl in the Spider’s Web, she is an avenging hero, taking revenge on abusive men on behalf of other women, but is only able to fully understand and confront the far-reaching effects of her father’s abuse in the film’s closing moments.

Women Are Made to Feel Shame

“But that’s the story of Lisbeth; that then she bides her time,” says Foy. “She waits, she’s like a spider, and she waits and then she will make him pay. And then she will make him feel more humiliated than he made her. Her moral compass is so strong, she knows that that is wrong and that shouldn’t be allowed, but she knows that the place where women seek protection is often the place where they’re most judged and most made to feel like a victim as opposed to a survivor.

“And so her lack of trust in authority is something I think is probably what a lot of women feel. And a lot of women feel that there isn’t a safe space for it because the shame often… we’re so ashamed of things like that in our society. The shame often lies with the woman or the ‘victim’ — for want of a better word, because I don’t really like that phrase — being made to feel shame. We’re so ashamed. And that’s wrong. I think that’s why people are able to come out more now because there are more voices. As long as there are more voices saying: ‘This also happened to me, this is also what I’ve been through’, as long there are more representations of women like Lisbeth on screen [demonstrating that it’s] not something that people need to be ashamed of, and we can allow people to speak and express themselves in that way, [all] the better. I think #MeToo is very much a catchphrase for a lot of the media. I can’t tell you how many interviews I’ve done where people have said: “It’s #MeToo, this film” and I’m like, I don’t want this film to diminish the MeToo movement. By attaching it to a movie [that’s a danger].”

Weakness Is Also Part of What It Is to Be a Woman


Girl-in-Spiders-Web-Claire-Foy-Header
Claire Foy rejects the idea that Lisbeth is merely ‘strong’.

A term that often gets attached to characters like Lisbeth Salander is “strong woman”. Foy recently spoke out against this overused pairing of words, and explains why she dislikes it so much.

“I think strength and power is something that’s very much deemed to be masculine,” she says. “I think they’re trying to make women being strong [seem like] a positive; it’s something that someone is like: ‘That’s what you want to see. You don’t want to see weak women. Why do you want to see a weak woman?’ And you sort of think weakness isn’t part of it, [the ‘strong woman’ character represented on screen].

“[In fact,] we all have weaknesses and that can make us ‘stronger’. We all have so many different facets to our character and I just find that the ‘strong’ thing makes it seem like a woman is more acceptable in what has always been… that as the protagonist of a film, it makes her seem allowed to be there because she’s ‘strong’. And I just find that really reductive and slightly embarrassing. And I think that a lot of the time, we haven’t been given the opportunity to explore female protagonists who have that depth. Who are as complicated as, you know, the guy in Breaking Bad, or The Weather Man, [in which] Nicolas Cage is playing an incredibly complex person. [Women] haven’t been given that range, we haven’t had that opportunity. And therefore to try and say that we have to be strong, it’s just: ‘Oh god, how boring — just to play strong women all the time.’”

Lady Batman She Ain’t

By extension, Foy also rejects comparisons to Batman and James Bond, prefixed by the word ‘lady’.

“I’m just, like, she doesn’t have a batcave, I know that she had an apartment that could be seen as that, and this could be seen as that, and blah blah blah. It’s always going to be recognisable, and it’s a genre film in the sense that it’s a thriller — there are elements of it that look like those sorts of films,” says Foy. “Of course, they do. Because you can’t get away from it, because that’s the way that Fede shot it. It is noir, kind of — even the tone that Pedro [Luque] the DOP uses, lots of greys and things like that — so that is how it’s going to look. But I’m like, just piss off.”

Why does Foy think we have an impulse to make those comparisons then?

“Because, like you say, you want to label something,” she says. “You want to make it understandable. And also you want to attract an audience to it, I guess. I completely get that. It’s not like I’m talking down about Batman or James Bond. I think they’re both amazing. But also, we’ve got to leave room for Lisbeth to find her own space in that. She deserves to. Yes, she’s going into a genre, into a realm, which no real female complex characters have been before, so obviously that [comparison] has to be drawn. But at the same time, I’m just like, I think we can just let her be for a minute. I don’t think we have to decide she’s Batman just yet.”

The Girl in the Spider’s Web is out now in the US and Australia, and hits UK screens on November 21.

Chris Pine Nude Scene: ‘Outlaw King’ Director Talks #BallsForBoobs

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Tesco is selling huge boxes of Maltesers Truffles and we want some

Yum.

Credit: Newscast/REX/Shutterstock

Incase you hadn’t noticed, we’re getting pretty excited about Christmas in the Marie Claire office. While some people are reluctant to start the countdown until December, we’re ready thanks to the huge amount of festive treats already on offer.

We’re preparing to stock up on Aldi gin Christmas crackers, we’ve picked out our favourite New Look Friends Christmas t-shirt, and we’re keen to start using this personalised wrapping paper which has your own face on it. Genius.

And now we’re making picking the perfect Christmas treats even easier by bringing you the latest sweet news – Tesco is now selling huge boxes of Maltesers Truffles.

The supermarket is truly bringing festive joy to the masses with this one. Maltesers are a Christmas staple – why else do we all buy Celebrations? – so imagine our delight at finding out that these beauties are on the shelves.

One Instagram user alerted the world to this happy news by sharing a photograph of the giant box at their local store.

We’re in love.

They’ve already got a huge fan following, with many marvelling at this wonderful creation.

‘I know what I’m treating my self too… Maltesers are life,’ one Instagram user commented on the post.

‘Not big enough they’re amazing make it giant,’ another wrote.

Okay, we’re with that person.

The Maltesers Truffles also a very reasonable £7, and we now know what we’ll be stuffing into our trolly on the next food shop.

You know, because Christmas

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Scouted: Unexpected Tools That You Definitely Want Around

Before I became a homeowner, when I thought of tools, I thought of heavy duty power drills, wrenches and screwdrivers, and the, you know, capital T Tools. However, I’ve quickly come to learn that the handiest tools you can have around often aren’t technically considered tools at all, but they’re just as valuable to DIY home projects, if not more.

When you have these common items on hand, it becomes one less thing you have to run out and buy to get a project off the ground. Keeping these four unexpected tools around is essential for any homeowner. They’ll come in handy way more often that you think they might.

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Read more at The Daily Beast.

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Mortgage Rates Are Rising. Here’s What That Means if You Want to Buy a Home

Earlier this year, mortgage rates hit a seven-year high, fueling speculation that it was time to buy if you were in the market for a new house.

But mortgage rates have continued to climb since then — up nearly a full percentage point this year to 4.85% in mid-October. And data from the National Association of Realtors suggests potential homebuyers may finally be feeling the pinch.

Existing home sales have fallen 4% since January, and the number of new homes under construction has dropped 10% during the same period.

So far, a monthly mortgage payment on a $ 250,000 home has gone up about $ 150, Freddie Mac Deputy Chief Economist Leonard Kiefer told The Penny Hoarder. “And that is quite substantial.”

And with the Fed likely to raise interest rates further in the coming year, it will just get pricier to take out a mortgage in 2019.

“Economists across the board are starting to forecast higher rates,” Kiefer said. And a lack of new housing just keeps pushing home prices up.

Still, there is some pent-up homebuying demand. The U.S. has one of the tightest labor markets in years, so the market might see modest growth in 2019, despite rate increases.

So if you are ready to make the leap from renting to buying, there are concrete ways to find savings.

Mortgage rates and housing prices vary across U.S. cities and lenders, Kiefer said. So if you are still planning to buy a home, make sure to do your research on the local market. Also, shop around for the lowest mortgage rate possible.

Getting one additional quote before locking in a rate and buying a home could save you $ 1,500 over the life of the loan, according to Freddie Mac.

Once you find the right rate, here are some other slick ways to save money on your mortgage.

Alex Mahadevan is a data journalist at The Penny Hoarder. He’s feeling the sting of regret for not shopping around for his mortgage.

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

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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Duke and Duchess of Sussex want a ‘normal’ life for their child

OHMYGOSSIP — The Duke and Duchess of Sussex are determined their child will live a “normal” life.
The royals – who recently announced they’re preparing for the arrival of their first child – reportedly hope that he or she will be able to live as normal a life as possible, despite the inevitable interest of the public.
A source told the Sunday Times newspaper: “That word ‘normal’ looms very large for Harry and Meghan when it comes to their child’s future.”
Although the baby will be the seventh in line to the throne, he or she will not be given a royal title unless the Queen decides to intervene.
And the Duke and Duchess – who tied the knot at St George’s Chapel at Windsor Castle in May – are apparently eager to follow in the footsteps of the Princess Royal, whose children have established their own independent careers.
Meanwhile, it’s been announced that the Duchess – who was known as Meghan Markle prior to marrying the Duke – is cutting back her schedule during the ongoing royal tour of Australia, New Zealand, Fiji, and Tonga.
Despite previously saying the pair would not be cutting down any planned events on their current tour, it’s been decided that it would be best to let the Duchess “rest”.
Looking ahead to their planned schedule, a royal aide said: “After a busy programme, The Duke and Duchess have decided to cut back The Duchess’s schedule slightly for the next couple of days, ahead of the final week and a half of the tour.
“The Duke will attend the cycling as scheduled this morning, and The Duchess will join him for this afternoon’s engagements. The Duke will continue with the engagements on Fraser Island as planned.”

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Blac Chyna Gets Emotional In Beverly Hills While On An Outing With Friends: ‘They Can Say Whatever They Want About Me’

Blac Chyna was recently spotted on a night out with her pals in Beverly Hills last Friday. She seemed a bit overemotional, as Daily Mail puts it, while she was leaving a steakhouse with her pals.

She was with a female friend, and she told her the following: ‘I want to get my message out. Go out and vote. It’s midterms.’

She also continued and said ‘I’m doing good and my kids are doing very well.’

Daily Mail reports that Chyna went on: ‘I keep quiet, I keep silent. Do you want to know why? Look up your religion. Get more informed. They say whatever they want about me. I look at it and laugh. You know why? Because it’s all false.’

Just recently Chyna discussed other subjects as well such as new music.

‘I’ve been working on some music. I never been the type of person to really coast. I just want to test all my boundaries to see if I can kind of do it,’ she told DailyMailTV.

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‘My music is kind of fire. I have a little bit of singing, a little bit of rapping and I have a little love song.’

She also stated a little while ago that she would definitely consider getting back together with Rob Kardashian, but her baby daddy did not address the issue, at least not in public.

Speaking of Rob, Chyna’s mom, Tokyo Toni begged him via social media to let her see Dream Kardashian in a really emotional video.

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The President blasts those who want ‘the globe to do well’ and prompts ‘USA’ chants at Texas rally

What a difference two years makes. President Donald Trump will call on his supporters at a rally Monday night in Houston to turn out for his onetime nemesis, Sen. Ted Cruz — instead of whipping that same base of support into a frenzy against “Lyin’ Ted.”


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17 New Drugstore Makeup Products You Definitely Want to Try This Fall

There’s a certain joy to be found wandering up and down the beauty aisles at your local drugstore. It’s a haven where everything is shiny and colorful — and most importantly, affordable. You can scoop up lipsticks that cost roughly the price of a latte, high-performing foundations that are priced comparably to your sandwich order at Subway — and the list goes on.

The only drawback? Well, there’s so much turnover and new launches that it can be tough to keep up with all the top products. And that’s where we’ve got your back: We’ve tested a sampling of the newest and best drugstore makeup launches and picked a few favorites — and they’re all under $ 15. Keep reading to see the products we liked the most!

[ Next: These Gorgeous Eyeshadow Palettes Are Your New Fall Must-Haves ]

 

This article originally appeared on TotalBeauty.com

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Trump calls Khashoggi arrests ‘good first step,’ adds that he doesn’t want to put arms deals at risk

Trump added that he'll work with Congress on what the U.S. response should be, but that he would prefer not to hurt American companies and jobs by cutting billions of dollars in arms sales to the kingdom.
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Why Trump doesn’t want to punish Saudi Arabia

The Trump White House may have too much at stake to make Saudi Arabia pay a proportionate price for the apparent murder of Jamal Khashoggi.


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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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Costa’s festive menu is here and it’s exactly what we want for Christmas

There’s so much more to it than gingerbread lattes

costa christmas menu
Credit: Costa

The countdown to Christmas starts that bit earlier every year. Halloween is still weeks away and yet we’re already pining after the best beauty advent calendars and shopping for these amazing Harry Potter baubles.

Oh, and have you heard about the Aldi chocolate wine? We’re already planning to stock up when it goes on sale.

But things aren’t stopping there. Festive cheer – and menus – are cropping up everywhere, and Costa has just released a list of their own merry offerings, and we can’t wait to try it all.

Making a comeback this year are the black forest hot chocolate and the gingerbread and cream lattes, alongside some new flavours including caramelised orange and cream, hazelnut praline and cream, and gingerbread and cream – all of which are available as hot chocolates or as lattes.

costa christmas menu

Credit: Costa

Customers will also be able to get their hands on a luxury hot chocolate, described as ‘small but beautifully formed rich, dark and decadent.’ Fancy.

For coffee lovers, there will be a festive roast blend to sing to your tastebuds, but if you’d prefer something a little different you could try the new hot spiced apple or hot caramel drinks on offer.

costa christmas menu

Credit: Costa

There are also some sweet and savoury treats available, such as gluten free vegan mince tarts, gluten free vegan iced fruit slices, gingerbread and sticky toffee wreath cakes and clementine drizzle loaf cakes.

Plus a special mention to the pigs in blankets mac’n’cheese. Drool.

And let’s not forget a rather extensive variety of Christmas sandwiches, which also cater to veggies and vegans, will be hitting the shelves, fan faves being the Christmas cheese board panini and the veggie Christmas lunch wrap which includes sweet potato falafel with Wensleydale and cranberry cheese and spiced plum chutney.

The menu, as well as the Costa Christmas themed cups, launch on November 1st.

We’re ready and waiting…

The post Costa’s festive menu is here and it’s exactly what we want for Christmas appeared first on Marie Claire.

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Women in Kenya Want Access to Quality Maternal Health Care

what women want in kenya

In April 2018, hundreds of partners joined forces to launch What Women Want, a global campaign to hear directly from one million women and girls about their top request for quality reproductive and maternal healthcare services. Through an exclusive blog series, Ms. is sharing their demands and their stories. 

The What Women Want campaign aims to amplify women’s demands for quality reproductive and maternal health care around the world. Translated into more than 14 languages, the campaign strives to hear from women from all backgrounds, cultures and locations—and has partnered with over 300 global organizations that support and empower women with HIV, women with disabilities and health professionals in over 100 countries to make that possible.

Recently, What Women Want heard from thousands of women in Kenya about their top request for quality reproductive and maternal health care. Here’s what they have to say.

According to the Partnership for Maternal and Child Health, the maternal mortality rate in Kenya remains high, at 488 maternal deaths per 100,000 live births. (For reference, the maternal mortality rate in the United States is 26.4 per 100,000 live births, which is still lacking when compared to peer nations.)

We know that nearly all maternal deaths are preventable. Significant disparities in maternal mortality rates tell us that programming efforts and advocacy work must be adjusted to reach women everywhere—not just in the world’s richest countries, and not just in major cities.

Accessibility to quality health care centers is a major issue that contributes to high maternal mortality rates in Kenya. Around half of Kenyan women are delivering in health care facilities, and only 44 percent are assisted by a skilled medical professional.

Since 1990, the global maternal death rate has decreased by 44 percent, and more women than ever are using maternal healthcare services—but much of this progress was achieved in high-income areas, leaving some countries with little or no improvement. Today, 99 percent of maternal deaths take place in developing countries—with just 13 countries accounting for two-thirds of these deaths.

Within countries with high maternal mortality rates, there are significant disparities in maternal mortality and maternal healthcare utilization. In Sub-Saharan Africa, for example, the utilization of prenatal, delivery and postnatal care varies greatly with personal characteristics such as geographic region, race, income level, employment and marital status.

Progress is being made, and we should be encouraged by the monumental decreases in maternal mortality and increased access to reproductive health care, but it isn’t enoughWe need to strive for more.

We must listen to the voices of those who are too often left behind. When we can raise the voices of women in every part the world, we will be closer to a time in which every woman, everywhere, is empowered to speak out and closer to receiving quality, equitable maternal and reproductive health care.

Join the one million women mobilizing for global change by adding your voice at www.whatwomanwant.org.

Claire McGee is a sophomore at Ohio University in Athens, Ohio studying Public Health and Spanish. She spent this past summer as a Communications, Fundraising and Respectful Maternity Care Intern for the White Ribbon Alliance in Washington, D.C.

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9 Fall Skin Care Rules Dermatologists Want You to Follow

Now that fall is here, it’s a good time to start thinking about tweaking your skin care regimen, as cold, drier air usually calls for lots of moisture and a little less exfoliation. If you aren’t sure about which crucial steps of your routine you should actually ditch or keep, we asked experts to share some helpful skin care dos and don’ts to consider before winter arrives. Here are 9 fall skin care tips and tricks you’ll definitely want to keep in mind.

[ Next: Skin Care Sticks Are a Lazy Girl’s Dream ]

 

This article originally appeared on TotalBeauty.com

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‘I want to show them that I don’t care’: Melania details life in the White House

Melania Trump, maybe America’s most private first lady ever, opens up in an exclusive interview with ABC News.
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Watch Exclusive ‘Beautiful Boy’ Clip: I Want Them to Be Proud of Me

Watch Exclusive 'Beautiful Boy' Clip: I Want Them to Be Proud of Me

When a young man falls under the powerful sway of addiction, it threatens to tear his family apart. Based on an inspiring true story, Steve Carell and Timothée Chalamet star as father and son in Beautiful Boy, which explores survival, relapse and recovery, as well as its heartbreaking effect on a family.

Chalamet is featured in our exclusive clip from the film, talking plainly about his need to deal with "a big, black hole" in himself. He also acknowledges the loving support…

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Students Across California Want Abortion Care on Campus—And They’re Not Done Fighting for It

California Governor Jerry Brown last week vetoed a popular measure that would have expanded abortion access for college students across the state.

Nearly three years ago, students at the University of California in Berkeley began fighting for better access to abortion on campus. The student government ultimately passed a resolution endorsing their call for on-campus medication abortion access, but administrators then failed to act on their demands—so students turned to local lawmakers. 

California’s College Student Right to Access Act, known in the legislature as SB 320, was written by three reproductive justice activists from UC Berkeley. The measure, introduced by state Senator Connie Leyva, passed through the state legislature with overwhelming support. A group of donors even came forward willing to fund its mandate: on-campus medication abortion access for all public college students in the Golden State intending to terminate a pregnancy in the first 10 weeks.

But the fierce and proactive attempt to expand women’s reproductive rights was stopped in its tracks by one man who deemed it inconsequential: Last Monday, Jerry Brown vetoed the act, calling it “not necessary.”

But just because Governor Brown was never in need of abortion care on campus doesn’t mean no one else is. More than 500 students in the UC and California State University systems seek out abortions monthly, and these students would have a much easier time getting the care they need if their university health centers had the means to offer it. Many students have to travel far distances to get to appointments, and, for a medical abortion, usually need to make it to at least two appointments.

Costs go up with every additional hurdle put in front of women seeking abortions—which was the case fo Jessy Rosales, who opened up to Huffington Post about her own off-campus abortion at 20: 

Jessy Rosales was a 20-year-old student at the University of California, Riverside, when she got pregnant. She had used protection and was not ready to become a mom, so she went to her campus health center to ask about the abortion pill—actually a combination of two medications that can safely end a pregnancy.

She left with a list of recommended providers. But the first clinic she called told her it did not perform abortions. And the second was a crisis pregnancy center—a facility that seeks to dissuade women from having abortions.

“I’m a first-generation student. For a large majority of my life, my parents didn’t have health insurance, so I didn’t really know what I was doing trying to navigate through the medical system,” Rosales, now 22, recalled in a conversation with HuffPost.

Finally, more than two months after her positive pregnancy test, she went to a nearby Planned Parenthood health center, where she was able to get an in-clinic abortion. It cost her roughly $ 400—a lot of money for a student supporting herself with part-time work and federal loans—and she was told she was too far along to be a candidate for the abortion pill at that point. (It must be taken before 10 weeks of gestation.)

“Had they provided abortion medication on my campus, I would have been able to get the care I needed when I needed it,” Rosales said.

Two-thirds of UC students and one-third of CSU students don’t own a car; 62 percent of them also live 30 minutes or more from a clinic. Often, these clinics are not open on the weekend, which only adds to their burden. 

Going through with a legal and time-sensitive medical procedure shouldn’t take that much work. Seizing an opportunity to ease the process of managing an unwanted pregnancy is far from “not necessary” for the students who must arrange transportation, cover costs, miss class or skip work to make it possible to access the care they need.

“Governor Jerry Brown, on his own, determined what was a legitimate burden in accessing abortion and neglected the experiences of countless students who explained the obstacles and burdens they faced when making a reproductive health decision as a California public university student,” Adiba Khan, one of the students who led the fight for SB 320, told Ms. “To get elected, he has expressed he is ‘pro-choice,’ but then when given the chance to expand access, to what he has repetitively claimed he believes is a right, he vetoes it. This is the behavior of a coward. He has disappointed thousands of students and denied them better agency over their futures.”

Students from across California joined in Khan’s frustration, taking to social media to slam Brown for his decision after news broke that he was vetoing the legislation.

Advocates and activists from across the country also weighed in, showing solidarity with the students who made SB 320 possible and calling on Brown and other lawmakers to do better by the women they serve.

“At its core, SB 320 affirmed the constitutional right of college students to access abortion care promptly and without delay,” Senator Leyva wrote in a statement. “As the Trump Administration continues to unravel many of the critical health care protections and services for women, legislation such as this is urgently needed to make sure that Californians are able to access the full range of reproductive care regardless of where they may live.”

She also vowed to continue fighting. “In the months and years ahead,” she declared, “I will continue fighting to make sure that college students have access to medication abortion on college campuses. I am hopeful that our incoming Legislature and Governor will agree that the right to choose isn’t just a slogan, but rather a commitment to improving true access to abortion for students across California.”

Miranda Martin is a feminist writer and activist and an editorial intern at Ms. She has written for a variety of publications and been published by The Unedit and Project Consent. Miranda recently graduated from University of Wisconsin La Crosse with a major in Interpersonal Communications and a double minor in Creative Writing and Women, Gender and Sexuality Studies. She loves to travel, read, exercise and daydream about the fall of the patriarchy.

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US moves ahead with plan to give Mexico $20M that it doesn’t want to deport migrants

The Trump administration is moving ahead with a plan to pay Mexico $ 20 million to deport migrants from that country and prevent them from reaching the U.S.
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