U.S. growth would have contracted without trillions in government, consumer debt: Gundlach

U.S. growth appears to be based “exclusively” on government, corporate and mortgage debt and the economy would have contracted if the United States had not added trillions in debt, Jeffrey Gundlach,…


Reuters: Wealth

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Fox renews ‘Empire’ without Jussie Smollett’s character

U.S. television network Fox on Tuesday renewed drama series “Empire” for a sixth season but said there were no plans to bring back the character played by Jussie Smollett, the actor who said he was the victim of a hate crime in January.
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Scouted: The Best Travel Coffee Table Books That Let You Explore The World Without Leaving Your Home

About twice a month, the Daily Beast Travel section features some of the best (and most beautiful) coffee table books that focus on travel in a series called Just Booked. We’ve rounded up the eight you should have with you to showcase and appreciate the beauty that is all around you, from brutalist architecture to intricate library ceilings to the most influential maps ever created.

Theater of the World: The Maps That Made History by Thomas Reinertsen Berg, $ 35 on Amazon: “The book gets its name from Flemish cartographer Abraham Ortelius’s atlas Theatrum orbis terrarum (Theater of the World). Like Ortelius, Berg has built upon generations of work and woven it into a digestible dive into everything from cartography to illustration and mapmaking. While not as hefty as some of our past selections, this mid-size book may be the most likely to cause you to lose a guest in its pages.” –  Read More Here

California Captured: Mid-Century Modern Architecture by by Emily Bills, Sam Lubell, and Pierluigi Serraino, $ 31 on Amazon: “One of the best at documenting the explosion of this style in California after World War II was the photographer Marvin Rand. The book overflows with Rand’s gorgeous images capturing the aesthetic in all its simple So Cal glory.” – Read More Here

Read more at The Daily Beast.

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

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On Earth Day we see if it’s actually possible to live without plastic

Delphine Chui gives it a go

plastic free

I’ve always considered myself a mindful person when it comes to the environment. I’m vegetarian, I try to be conscious of the origins of my food, I take public transport as much as possible and I’m an avid recycler.

But, if I’m being honest, I’ve never delved into what actually happens to my rubbish or recycling after I chuck it into the respective bins.

So, I took on a challenge to live without plastic for a week and the statistics and realities of what I learnt was shocking. And, although I may never be ‘zero waste,’ I can certainly put a dent in how much I’m contributing to landfill and that’s a start, isn’t it? Here’s what I learnt…

No one is recycling enough

As a nation, we only recycle 14% of recyclable plastic. And around 50% of the plastic we do recycle is never actually recycled because it’s not been properly disposed of. I admit I never looked at my local council’s recycling policy before this week so was guilty of putting things like plastic bags in my green lid wheelie bin (rather than at a specific plastic bag collection bin) and being completely confused about what I should do with bubblewrap (which can jam recycling machines if not put in the right place.)

Our coffee consumption is getting out of control

Think about how much coffee you drink every day. Now, think about how many cups you chuck in the bin. Yeah, I quickly realised that it all adds up, with 7 million coffee cups thrown away in the UK every day – which adds up to 25,000 tonnes of coffee cup waste every year, to be exact. So, I got a bamboo forever cup instead since bamboo is the world’s most sustainable crop. And, it’s worth noting that coffee shops don’t even bat an eyelid when you hand it over for them to fill.

London consumes the largest amount of plastic bottled water in the UK

I’m guilty of it. I constantly buy multipacks of bottled water to bring me to work every day. I liked the convenience of it but considering that by 2050, there will be more plastic bottles in the oceans than fish, we really need to fix this. Plastic bottles make up 10% of all litter in the Thames, with ¾ of the fish inside consuming it, and considering how much I care about animals, these stats really hit home for me.

You can’t really recycle plastic bags

It takes the average plastic shopping bag 100 years to decompose and that’s only if it’s exposed to sunlight and air (which landfill rubbish often isn’t) so that plastic bag you chucked in the bin last week will probably outlast us all. So, now I have a ‘dirty’ tote bag that I put shoes in, a ‘fresh food’ tote bag for any fruit and veg and a ‘dry’ tote bag for everything else.

The sea floor is pretty much plastic

Considering 12.2 million tonnes of plastic litter enter the marine environment each year, it’s no wonder that 94% of the plastic rubbish that enters the ocean ends up on the sea floor. It’s not realistic for me to think I’ll never buy another plastic bottle of water again but I can make sure I only bin it in a recycling bin and never in one that’s overflowing (as these will just end up blowing away)

Plastic is seriously unhealthy for you

Chemicals like BPA and phthalates are used to make plastics and resins and when plastic is heated up (which can happen if your plastic bottle is in the sun for example), these chemicals can leech into the contents. And, since they’re known endocrine disruptors, they can cause a whole load of health issues so I’ve traded in for a glass and stainless steel as they’re both natural elements so are free from chemicals and wholly recyclable.

Plastic cutlery and straws aren’t ever recycled

I’m normally the first person to choose a plastic fork rather than a metal one. But, as it’s too small to recycle, it just adds to our ever-growing landfill. There is, however, a way around it. If you store it in a plastic takeaway container and recycle the whole thing, that works – but otherwise, just choose metal cutlery or invest in a stainless steel foldable spork! And, after finding out that the UK and US use almost 550 million straws a day – most of which end up in the ocean or take 200 years to break down into toxic particles – I’m all about refusing the straw, or using reusable stainless steel, glass and bamboo straws (I got mine from eco straws.) 

What I bought to start my no plastic life

BKR glass bottle, £30

Pukka bamboo coffee cup, £8.99

Cleeve Outdoors stainless steel folding spork, £2.49

Wasara compostable tableware, from £12.99 – 

Alphabet big canvas tote bag, £22

Stasher reusable silicone food bags, £11.99 

Le Parfait Familia Wins Terrine jars, from £5.25, 

Bobble Insulate Stainless Steel bottle, £24, 

Who Gives A Crap 100% Recycled Toilet Paper, £24 for 24

Nature and My bamboo toothbrush, £7.99 

Odylique 2-in-1 shampoo, £12

All Naturals soap, £4.99

Myroo facial cloth and cleanser, £27

Friction Free Shaving razor, from £5

Kjaer Weis make-up, from £20

Woobamboo! biodegradable silk floss, from £4.15

The verdict?

Heartbroken by what I learnt we’re doing to the environment and wildlife (as well as to ourselves), I finally saw just how unnecessary so much of my disposable plastic use was so, not to sound like a poster but really, it’ amazing how much a difference we can all make by refusing, reducing, reusing, repurposing and recycling everything we can.

The post On Earth Day we see if it’s actually possible to live without plastic appeared first on Marie Claire.

Marie Claire

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SiriusXM Unveils $8 Essential Plan for Consumers Without Cars

SiriusXM wants to cater consumers without cars, or cars without compatible stereos, with a new $ 8 plan for mobile and in-home listening. Dubbed SiriusXM Essential, the plan offers access to 200+ channels featuring the network’s entire music programming, as well comedy, news and select sports channels. Consumers will be able to test the new plan […]

Variety

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Facebook says it ‘unintentionally uploaded’ 1.5 million users’ email contacts without permission

Facebook said it used to have a step in the account verification process where some users had the option to confirm their email address and voluntarily import their email contacts onto the site. The process was redesigned but the function was not.
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4 Ways To Spend Quality Time With Your Kids Without Electronics

Black Family Sitting Together

Source: Hero Images / Getty

These days we are all glued to our electronics, cell phones, televisions, video games, fitness watches, tablets, and more. More and more we are becoming virtually connected and less actually connected. This is especially the case for our children, who are part of the generation known as “digital natives.”

Via Madamenoire:

I‘m not anti-electronics; I live on my devices as much as anyone. However, I am about electronics in moderation and quality time with our children in abundance. Like anything in life, technology is about balance and it’s important for us and our children to understand how to make and nurture relationships without the intervention of electronics.

Here are four ways to spend quality time with your kids without electronics.

1.) Eat Dinner Together: Eating dinner together or at least one meal per day together creates the opportunity to talk to one another. During the meal make sure electronics are banned for everyone. Focus on the conversation, ask questions and answer the questions your children ask you. Mealtime conversation is one of the best ways to find out about your child’s day and to keep the connection going.

2.) Do Something Active: Our collective attention spans are getting shorter, which means a good way to engage with your child is by doing something active that requires movement. For example, I often exercise at home and my kids “help” me by joining in.

We stretch, do crunches, squats and more together because they love to watch me struggle and I love to have their company. In the end, we both get a work out in, have some laughs, and make some memories. Other examples of active things you can do are go outside and play catch, go bike riding, take a walk, go to the park or on a hike or create a scavenger hunt for them that requires them to go out.

3.) Work on a Project Together: Depending on your child’s age, the project can vary from putting together a jigsaw puzzle to having them help you paint a room. Find something engaging and age-appropriate. Spending time together engrossed in a project is the perfect opportunity to have conversation and spend quality time together.

Listen to your child’s favorite music while you do the project if it isn’t disruptive and introduce them to music that you love. My kids and I have put together puzzles, built marble mazes, done science experiments, and planted and took care of a garden.

4.) Have a Family Night: Set aside time for a family night and make it a tradition. Whether you watch a movie, play board games, go out to dinner, or take in a show, make sure the entire family is involved and make sure you do it consistently. Spending time together as a family, without electronics, is important towards building quality relationships with your children.

The key to all of this is making real connections in real-time. We are all busy, so don’t focus on how much time you spend together, focus on the quality of the time you’re together. But no matter what you do, remember to turn the electronics off.


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29 Totally Flexible Ways to Make Money in College Without Dropping Classes

Working through college is one way to reduce the amount of debt you’ll have after graduation. You know, make some money now and take out fewer student loans. Big. Win.

But finding a job with decent pay that’ll allow you to schedule shifts around your classes and extracurriculars can be harder to find than a healthy taco bar. And maybe you’re not too keen on flipping burgers at your local fast-food joint.

Well… have you thought about ditching the demanding work schedule and finding flexible work instead? You’ve got options, after all.

29 Ways to Make Money in College — Without a Fast Food Gig

From part-time jobs to apps and websites that let you make money online from your dorm or apartment, you have plenty of options that won’t cut into your study time.  

1. Get Rewarded for Your Good Grades

Don’t have a lot of spare time outside of studying?

Check with the dean of your college or university to see if your school offers incentives for getting good grades. Some actually offer cash bonuses to college students who maintain a good GPA.

2. Drive With Uber and Lyft

A woman holds a cell phone.

Need a fun, flexible way to earn money while also meeting lots of new people?

Try driving with Lyft!

Demand for ride-sharing has been growing like crazy, and it shows no signs of slowing down. To be eligible, you’ll need to be at least 21 years old with a year of driving experience, pass a background check and own a car made in 2007 or later. You can drive days, nights or weekends — it’s up to you!

Because it’s simple to switch between apps, many Lyft drivers also sign up with Uber.

As a partner driver with Uber, you’re an independent contractor. You create your own schedule and work as much or as little as you want.

If you want to give Uber a try here are a few of the things to keep in mind: You must be at least 21 years old, have at least one year of licensed driving experience in the U.S. (three years if you are under 23 years old), have a valid US driver’s license and pass a background check.

Finally, your car must be a four-door, seat at least four passengers (excluding the driver), be registered in-state and be covered by insurance.

And if you aren’t sure which is better for you? Here’s our guide to Lyft versus Uber.

3. Share Your Opinions

No, you won’t make a ton of money doing online surveys, but you also won’t have to spend a lot of time or effort. Heck, you won’t even have to leave your dorm room.

One survey site we love is MyPoints. It rewards you in gift cards for taking polls and answering surveys. It’s a great way to pass time while you wait in long lines at the dining hall. You’ll earn a $ 5 bonus when you complete your first five surveys.

Then there’s also the reader favorite Swagbucks, which offers a wide variety of ways to make money beyond taking surveys. Plus, you get a $ 5 bonus when you sign up and earn 2,500 SB within your first 60 days.

If you’re looking to make a bit of money in those free minutes between classes, it doesn’t get much easier than this.

4. Be a Human Guinea Pig

From medical tests to market research, being a test subject can be an interesting, educational and — above all — lucrative way to spend your time.

Some tests, like clinical trials, may be more taxing and require a greater time commitment. But they just might pay a pretty penny; we’ve seen as much as $ 600 for some studies.

But other opportunities, like market research, may just take a couple hours of your afternoon, and you’ll earn free samples and some extra cash.

Here are a few resources to help you get started:

Keep an eye out on campus for opportunities at your university, too. These are usually quick gigs that could yield $ 10 to $ 20 for less than an hour’s work.

5. Buy and Resell Textbooks

Detail of Text Books

When you were in high school, you had no idea how much money textbooks cost, did you? Ouch. You know you can earn a little cash back for selling your textbooks at the end of the semester.

But you can go beyond that — and actually start profiting from textbook sales.

Instead of relying on your own collection, buy textbooks online from sites like eBay and resell them on a site like BookScouter.

Before you shop, you can look up a book’s ISBN on BookScouter and find out how much it’s worth. That way you’ll only buy books you know you can sell for more than what you pay.

Profit margins aren’t huge on textbook reselling, but if you can average $ 5 per book and sell five per day, you could earn $ 750 each month. That’s a solid side hustle!

6. Turn Saving Money Into a Team Sport

If you’re a fan of friendly competition, start recruiting team members to join you on Ibotta, a free app that’ll grant you cash back on just about everything. Yeah, if you’re 21, you can even earn cash back from the bar.

If you’re not yet an Ibotta member, go ahead and sign up. Once you claim your first offer, you’ll earn a $ 10 bonus.

Then start building your team. You can refer friends and earn a $ 5 bonus. The more team members you have, the more shopping bonuses you’ll likely accrue. Can you say passive income? Plus, Ibotta ranks your earnings against your friends, which turns saving money into a friendly competition.

Just think how much you can earn if you get your whole dorm or sorority involved!

7. Sell Your Old Cell Phone

iphone sitting on seat of car

You know that old cell phone you have sitting in your junk drawer or perhaps your bedside table? It’s time to give it up and pocket some cash.

Gazelle is an online trade-in site that makes the process super easy.

Enter your device’s information, and Gazelle will give you a trade-in estimate. For qualifying devices, it’ll even send you a free box for shipping.

If you need money more quickly, see if an affiliated kiosk is located in your area. You’ll be able to get an estimate on your device, and if you agree to sell, you’ll immediately get cash.

8. Become a Tutor

Are you looking for on-campus jobs? Have you ever considered becoming a tutor?

Look for programs through your university or specific departments where you could get paid to work with other students.

For more flexibility, consider becoming an online tutor. Through a platform like Wyzant, you can browse tutoring jobs and set your own rates.

9. Get Refunds on Your Online Orders

It turns out deleting your emails could be costing you money. Intrigued?

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

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

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

10. Find Money You Didn’t Know Was Yours

Money on the ground next to shoes.

State treasuries throughout the U.S. have more than $ 43 billion in unclaimed funds, according to The New York Times. Just sitting around! Waiting for you to come play lost and found.

Check for your unclaimed money with the National Association of Unclaimed Property Administrators. Click your state on the map, and it’ll redirect you to your state’s appropriate search site. (Beware: There are several look-a-like sites out there. Be sure you’re searching legitimate ones.)

Penny Hoarder reader Kelli Howell heeded our advice, performed a quick search and found unclaimed money in her husband’s name.

“As I was scrolling through, I saw his name and his middle initial,” she says. She asked him to confirm his old Florida address; he grew up in Tampa. Sure enough, Mark Howell was entitled to $ 56 from a “matured insurance policy.”

Not bad for an unexpected check, right?

11. Become a Virtual Employee

If you want more steady work and income still offering the flexibility you need to get to class and rest after pulling all-nighters, look online.

Not sure where to start your search for a remote gig? Turn to ZipRecruiter. Click here, and it’ll send you to a list of geo-tailored work-from-home job openings.

Because you don’t yet have a degree and aren’t seeking full-time employment, we suggest looking into these jobs:

  • Virtual recruiter: Put your networking skills to use and connect employees or freelancers to the right jobs. You’ll do things like post available jobs, screen resumes, conduct preliminary interviews and negotiate salaries.
  • Virtual assistant: Are you super organized? Get paid to help a busy professional stay on track. You can use the organization and communication skills you’ve developed to help out with data entry, social media management, website maintenance, research and customer service needs.

Transcriber: Know how to type speedy fast? Transcribing requires little to no prior experience and offers flexible hours and workloads. The work can be demanding, but the pay is a pretty good selling point: about $ 15 to $ 25 per hour for general transcription, and more if you specialize in a legal or medical field.

12. Advertise Your Skills as a Freelancer

Freelancing is a wonderful, flexible way to make money on the side. You set your own rates and your hours. It also can be a great way to gain experience and connect with potential employers before you even graduate.

Whether you’re a graphic designer, a writer, an editor or a computer programmer, you can find virtual gigs through platforms like Upwork, Fiverr and other freelance websites.

13. Sell Crafting Supplies on Etsy

Tulips, scissors and rope on wooden background.

Maybe you love crafting, but you simply don’t have the time to knit scarves, quilt blankets or cross-stitch sassy sayings to sell. Well, here’s some good news: You can make money simply selling craft kits and supplies.

Look for supplies, kits and patterns at thrift stores and garage sales. Find good deals, and resell these items to crafters on Etsy. Take note from Janet Berry-Johnson who was able to make an extra $ 200 a month by selling supplies on Etsy.

14. Get Paid for Completing Small Tasks on Amazon

Have you heard of Amazon’s Mechanical Turk?

Create an account, and start performing “human intelligence tasks.” These tasks range from answering surveys to transcribing interviews to creating spreadsheets. You can pick and choose what you want to do.

Penny Hoarder contributor Michael Naab shared that he made an average of $ 500 a month through Mechanical Turk.

15. Hang out With Dogs or Cats

A dog sits on the street

If you’re looking for a flexible, independent way to earn money — and 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.

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.

16. Braid Horse Manes

Are your friends always asking you to do their hair? Put it in a French braid or a fancy knot?

Well, you can get paid to put your skills to use — on horses.

Kat Tretina worked on weekends braiding horse manes for shows. She had zero experience and invested an initial $ 20 for a supply kit. Then started banking $ 1,000 a month.

You’ll find some small shows in the fall and winter months, but spring and summer are the most popular.

And because the work happens almost exclusively on the weekends, you should have no problem fitting it around your class schedule.

17. Help Your Neighbors With Odd Jobs — the Modern Way

Odd jobs and side gigs are an awesome way to earn extra money without committing to a full-time job or fixed schedule.

Sure, you could always find work the old-fashioned way — have your parents ask their friends if they need help with anything. But modern technology and our infatuation with the sharing economy have made gigs a much more effective way of earning a living.

Use an app like TaskRabbit to connect with people in your area who need help with cleaning, assembling furniture or installing a new faucet.

If you’re not as handy around the house, you can use Instacart or Postmates to deliver groceries and takeout orders to people who don’t have time, resources or ability to do it on their own.

18. Pick up House-Sitting Gigs

If you’re not keen on babysitting or pet sitting, why not house sit? It could be a great way to escape your shared dorm room while also making some extra money.

There are tons of websites out there that’ll help you find the perfect gig. Check out a few of these house-sitting marketplaces.

19. Get Paid to Exercise

Bottom line: HealthyWage will literally pay you for losing weight.

Not only are you getting more healthy, you’re also making some money. How’s that for motivation?

Here’s how it works:

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

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

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

20. Be on Your Favorite TV Game Show

Do you watch “Jeopardy!” or “Wheel of Fortune” every evening and feel like you’d crush the contestants?

You can be part of these shows more easily than you might think, and it can be a cool way to boost your budget.

To get started, read our full guide to becoming a game show contestant for details on joining “Jeopardy!,” “Wheel of Fortune,” “Who Wants To Be A Millionaire, “The Price is Right” and more.

21. Claim Class-Action Settlements

Class-action lawsuits are a simple way to make some extra money on the side.

Heck, you’re probably already part of a class-action suit you don’t even know about. They come up more often than you might realize.

We share open settlements here when we hear about them, so keep an eye out.

To file a claim, you’ll usually just have to fill out an online form. Some settlements also require proof of purchase of a relevant product or service.

How much you get depends on how many claimants are part of the case settlement and the amount of the settlement. You could get anything from free tuna to a check for $ 5,000 from California hotels.

22. Deliver Packages for Amazon Flex

You know when you order a package through Amazon and receive it the same day? It’s not magic — it’s your friendly Amazon Flex delivery partner.

As an Amazon Flex delivery partner, you’ll deliver goods to consumers via Amazon.com, Prime Now, AmazonFresh and Amazon Restaurants.

Amazon Flex says you can make $ 18 to $ 25 an hour as a Flex associate, though that’ll depend on how much you’re able to deliver. It processes payments on Tuesdays and Fridays through direct deposit, so you should see your money on Wednesdays, Saturdays or both.

One of the biggest perks of this part-time gig is that you get to set your own schedule, using the Flex app to claim delivery blocks (or shifts) you want to work. You’re an independent contractor, though, so you’ll be responsible for expenses, including gas, parking and tolls.

To qualify, you’ll need a phone with the Flex app and a car. If you’re delivering Prime Now orders, any car will suffice; however, if you’re delivering for Amazon.com, you’ll need a four-door midsize sedan or larger. In some areas, bikes are acceptable.

The program recruits in various areas across the country based on need. If you don’t find your city on the list when you go to sign up, you can always join the waitlist.

23. Play Free Scratch-offs for a Chance to Win Real Money

Woman scratching lottery ticket

You know that feeling when you find a $ 20 bill hiding in the pocket of those jeans you wore last week? Yeah, that’s the feeling of a lucky day. The Lucky Day app is just like that.

You could win up to $ 10,000 playing digital scratch-off tickets or even a whopping $ 100,000 in the daily lotto. You’ll also have a lot of chances to win gift cards to cool places like Amazon, Walmart, Dunkin and Target.

It’s all free to play, with no in-app purchases. The company has already awarded more than $ 3 million in prizes to winners since 2014.

No, it’s not guaranteed money, but it’s a fun way to pass the time when you’re just sitting around and, who knows, you could hit a big one!

24. Sell Your Instagram-Worthy Pictures

If you have a smartphone and a photographic eye, making money may have just gotten a lot easier. Oh – you’ll also need access to marketable scenery.

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

Here’s how it works:

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

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

25. Serve as a Mock Juror From Your Laptop

Who isn’t obsessed with with true-crime podcasts these days? “My Favorite Murder,” anyone?

If you want an insider look at what happens when a case hits the courtroom, you can serve as an online mock juror through a site like eJury.

As a mock juror, you’ll review evidence including documents, videos and photos. The fate of the mock-innocent, or mock-guilty, could be in your hands. The goal? Help the lawyers prepare for the real thing.

You can earn $ 5 to $ 10 per case.

26. Sell Your Clutter and Make Some Cash

Living that minimalist lifestyle is all the rage right now, so why not use this mentality to your advantage?

Start taking a good hard look at your belongings. What do you actually need? What can you make money from?

  • Clothes: If you have clothes you haven’t worn in the last year, why do you hang onto them? Try selling them to folks in your area through an online marketplace like Letgo. It takes about five minutes to create your account and list an item, and it’s free.
  • Technology: About your overcrowded entertainment center… Consider selling these items to Decluttr. It’ll buy your old CDs, DVDs, Blu-rays, video games and even cell phones and tablets. Shipping is free, and Decluttr pays you within 24 hours of retrieval.
  • Books: Bookshelf collecting dust? We love books as much as the next person, but see whether your treasures are worth anything by listing them on Amazon. With Amazon Trade-In, you can trade in your used textbooks, plus other items, like electronics, in exchange for an Amazon gift card.

Ready, set, purge.

27. Get Your Nanny on

Whether you want to look after school-aged kids on Saturday nights or help tired parents after school, you can find opportunities to use your child care experience to earn cash.

Look within your circle of friends and acquaintances first, as parents are more likely to trust someone they know. Ask friends if they know anyone else who could use a few hours to themselves, whether it’s to grocery shop or simply to head to the gym.

You can also let parents find you through Care.com. Rates on the platform will vary by city, but the average rate for babysitters in 2017 was $ 16.20 an hour, according to Care.com’s 2018 Cost of Care Survey.

28. Invest in Real Estate (Even as a College Student)

Want to try real-estate investing without playing landlord? We found a company that helps you do just that.

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

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

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

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

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

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

29. Cash in on Your Smartphone Addiction

A woman looks at the apps on her phone,

Let’s be real: That phone habit is hard to break. So you might as well make some money while you’re scrolling instead of totally waste your time.

Download AppKarma, a free rewards app that lets you earn cash and gift cards when you try out gaming apps and watch videos.

Android users can download the AppKarma app directly through the Google Play Store.

iPhone users: AppKarma is not in the app store, but you can use it from your mobile browser. Click on the link from your iOS device to access the AppKarma web app. Complete the first offer (and earn 100 points!) to get started.

Bonus: Penny Hoarders will get 500 extra points when you sign up, plus you’ll get an email shortly after signing up with a special promo code worth another 750 bonus points.

You can exchange your Karma Points for gift cards to Amazon, PayPal, iTunes, Target, Starbucks and Walmart, among other retailers.

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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How to eat well on vacation without breaking the bank

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Let’s be honest, half of the fun of being on vacation is the fact that you get to indulge in ways you wouldn’t usually. There is a whole new world of opportunities laid out before you, and you don’t have the responsibilities you do back home. This invariably leads you to cut loose and enjoy more experiences, and one of the ways to do this is by sampling as much delicious food and drinks as possible.

Now, you could well be worrying about the fact that eating well when you’re on vacation can be expensive. On the one hand, you don’t want to break the bank, but on the other hand, you have so much delicious and unique cuisine to try. So, we’ve come up with some of the most ingenious methods to help you save money while still being able to experience tasty local dishes.

Check out street food

So many cosmopolitan destinations have street food, which is the best place to get really authentic and affordable cuisine. Really make the most of this as it is a great way of exploring a more underground food scene. This is something that is hugely popular in Asia, where street vendors sell plates of hot, tasty food straight off the grill/hotplate.

Don’t overlook buffets

They might not seem like the most glamorous options, but buffets are definitely a great way of achieving this. You need to make sure you stock up on plenty of delicious dishes because you have the opportunity to do just that with a buffet. A great choice to get more bang for your buck, buffets allow you eat as much as you can fit in, and mean you can have one big meal a day, which is a good money saver.

Go local

No matter where you go on vacation, there are going to be tourist traps and more local joints. If you are serious about saving money on your food, local is most definitely the way to go, and the food is going to be much tastier as well! Try to source some local hotspots, and use them to find delicious and affordable cuisine while on your travels.

Do it yourself

There are lots of ways to enjoy delightful cuisine when you are on vacation, and one of the most enjoyable ways is to do it yourself. The way to do this, of course, is to make sure you cook yourself. This is something that you can do if you are staying in self-catering accommodation, or, as is the more common these days, Airbnb.

These are just a few of the great ways of being able to eat well on your travels without having to worry about the cost at the same time. So, make sure you take these suggestions on board and work toward making sure you are sampling as much as possible. If you are sensible with your cash, there are a lot of things that can help you to make the pennies stretch further, and these are some of the ways you can do this when it comes to food.

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The post How to eat well on vacation without breaking the bank appeared first on Worldation.

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How to Earn Respect without Being a Jerk

We can all be jerks sometimes, however, if you truly want to earn respect, this can’t be a permanent state and you have to change.

“Respect” Defined

Respect is a feeling of deep admiration elicited by someone’s qualities behavior, actions, or achievements. Basically, it’s something we all want from other people but it’s not something you can easily demand. In fact, openly trying to command respect from others can be interpreted as being insecure and that, in turn, will earn you even less respect.

What It Means To Be A Jerk

Let’s quickly touch on the points on what it means to be a jerk so you can avoid those things.

  • A typical jerk can’t handle any kind of criticism and typically, they care more about winning an argument than anything else. Typically, they only talk about themselves and they’re willing to dismiss others, their feelings, or their needs in order to get what they want.
A jerk is self-centered
  • Jerks often deliberately use insults and name-calling to keep other people down and they often believe that they’re at the position in life just because of their own merit and they never had any kind of help.
  • Most jerks often think they’re the victim or they were blamed by others and they have to stand up for themselves and they also assume that life, in general, is a zero-sum game and they just want to come out ahead no matter the cost.

While some jerks may be successful in achieving what they want in the short term, in the long term, they will always lose any kind of respect; so here’s what to do instead.

9 Ways To Earn Respect Without Being A Jerk

1.Do Not Walk Away From Conflicts

An easy way to earn respect is by not walking away from conflicts but accepting it at what it is and doing so in a graceful manner. So what does it mean? You speak up when it’s necessary, either for yourself or even more so for others. If you think something is wrong, say something, don’t just shut up.

Do not give in to peer pressure
Do not give in to peer pressure

2. Be Immune To Peer Pressure

I know it’s always easy to fit in and speaking up can be hard but often, in a group, there is a certain dynamic that makes you do things that you will later regret. Most of the time, people don’t look up to Joe average, instead, they respect leaders that swim against the stream and maybe say something that could be interpreted as unpopular at the moment but in line with their beliefs and value system. So that means you have to be your own person and consider yourself as the decision-maker in your life and not as someone who is controlled by others or mainstream movements and you just have to tag along.

3. Embrace Criticism

I know, even the most confident people sometimes struggle with criticism especially when they’ve worked really hard on something and put everything they had into it. Criticism can hurt especially if it’s voiced in an absolute way and no other positives are mentioned, however, if you shift your mindset from criticism being a form to put you down to criticism being a tool to making you better, things all of a sudden change.

In my experience, failure and criticisms are key components to growth, not only in your business but also on a personal level. Most people don’t try to be jerks intentionally and they do something that annoys others. If they know about it, they can change the behavior, learn from it, and grow from it. It may hurt in a moment but it will make them a better person down the line.

4. Accept That Not Everybody Will Like You

Yes, we all want to be liked and to be liked, you have to be likable in the first place. However, at the end of the day, we all have our value system and if you stand up to those values, there will inevitably be people that you disappoint and that is okay and you have to be okay with that.

Assertive & Aggressive
Assertive versus Aggressive

5. Know The Subtle Difference Between Being Assertive & Aggressive

Being assertive means that you’re not a pushover when people try to talk you into something, you think about it and you speak your mind, you bring arguments, pros, and cons, why you make your decision in a certain way and you leave it at that.

Being aggressive means you raise your voice, you may use physical intimidation, or try to simply put others down with your presence.

6. Give Up Trying To Be Right All The Time

I know it feels good to be right which is one of the reasons I probably went to law school because most lawyers want to be right, however, if you just try to be right to win an argument, it will damage your relationships long term because people don’t want to be around you, they don’t want to discuss things with you because they think that you’re never open to constructive criticism and arguments and you will never change your mind anyway.

If you argue, ask yourself, why am i arguing? Do I just wanna win the argument or is there a deeper thing behind it that I want to achieve? Also, keep in mind that we all think of ourselves more highly than of others. In surveys, people always think they are smarter than others or that they have better motivations than others, that they’re more careful than others, this is called the blame bias and just knowing that we automatically assume other people are less smart than we are or that they made a mistake just means that you’re often judging them in a way that is not fair.

So, if you want to earn respect, rather than just blaming others or assuming that others are stupid, think about what you may have done that is not super obvious that may have contributed to the negative outcome.

7. Keep An Open Mind

Your mind is open and you’re willing to change your opinion based on facts that are presented to you. Jerks, in particular, are often very stubborn and unable to accept different opinions or facts and they always want to argue in a way and just be right. By falling into this trap, you deny yourself any ability to grow and to get better.

Also, other people will notice that they will look at you as a person who is stuck in their ways, who is never going to change, and they will not try to use you to promote something in a company that needs adaptive performance, change, or innovation.

8. Do Not Be Afraid To Show Your Vulnerabilities

At first, it may seem counterintuitive because you think “oh if I’m perceived as a strong leader, people respect me more”, however, if you are a strong leader and you’re very confident and secure with who you are, you have no problems with sharing your struggles along the way because that will give people a path and perspective showing them that you struggled but you nevertheless succeeded and it makes them be more hopeful about their own lives.

At the same time, they will have something going on in their lives right now that bothers them and if they can see that you also have something that bothers you, they don’t feel alone and they feel more normal which in turn, enables them to become better.

Always keep in mind, everyone has problems but by being the leader and sharing your own vulnerabilities and putting yourself in a light that is not super favorable, you become more human and people will respect you more. Also, it can be a way to be really funny without hurting anyone else and people will look at you and respect you more for it.

9. Analyze Your Problems & Act On Them

Last but not least, one good way to earn respect is to analyze your problems and to act on them. If you are unhappy with your relationship, don’t just complain about
it, talk to your partner about it, maybe go to relationship counseling and also look at yourself and how you can change to achieve what you really want.

CONCLUSION

So in a nutshell, take control. Don’t blame others and don’t waste your lifetime. if you follow these nine techniques and you speak like a gentleman, I truly believe you will earn more and more respect at your workplace, in your neighborhood, or in your community, and wherever you are where you are in contact with people. People will look up to you and when you’re in a situation where you need something, people will be much more willing to help you than if you’ve always been a jerk because then, you’re on your own.


Gentleman’s Gazette

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Academic performance of urban children with asthma worse than peers without asthma

A new study shows urban children with poorly controlled asthma, particularly those who are ethnic minorities, also suffer academically. Kids who were kept home due to asthma symptoms weren’t able to do as well in the classroom.
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Global peace is impossible without female negotiators

female negotiators

HRH the Countess of Wessex hosted an exclusive International Women’s Day reception at Buckingham Palace today to shine a spotlight on the vital role women play globally in building peace, and announcing her commitment to championing the UK’s work on Women, Peace and Security (WPS) and the Preventing Sexual Violence in Conflict Initiative (PSVI).

Over recent months, The Countess has met with several key figures working to support women’s role in the peace-building process, from academics and the diplomatic community, to NGOs and survivors. She also met with those working to respond to sexual violence in conflict – including Nobel Peace Laureate Dr Denis Mukwege, who works in the Democratic Republic of Congo as a gynaecologist, where he treats victims of sexual violence first-hand at his clinic.

‘There is nothing like speaking to someone, who, as a gynaecologist, has treated hundreds of victims of the kinds of rape and abuse that defies belief’, she said of the profound effect her conversation with him had had on her.’

‘Dr Mukwege painstakingly stitches these women back together and does what he can to care for them. It is so desperately sad therefore, that many of them end up back at his clinic only months later. I asked him what the biggest barrier to ending this kind of terror in DRC was, and he told me, “The silence…” This is another reason for holding today’s event. We must ensure that the silence that hides pain and suffering is turned into voices of hope and a reason to continue to act.’

L-R: Dr Sophia Close, Mossarat Qadeem, Irene Fellin, Palwasha Hassan, Sanam Naraghi, HRH The Countess of Wessex, Lord Ahmad of Wimbledon. Image Credit: Foreign and Commonwealth Office

Mossarat Qadeem is a Member of the Global Peacebuilder Network, who co-founded an organisation to prevent violent extremism in Pakistan. Speaking exclusively to Marie Claire at today’s event she said, ‘I’ve spent 14 years meeting with extremists, suicide bombers and the women within their families to help bring about peace. A young boy I speak to will tell me his own mother stitched his suicide vest for him. The mothers and women within these communities have been so influenced by certain voices preaching extremism that they are prepared to let their sons die. One boy said to me, “Ok, I understand what you’re saying but what can I tell my mother?” So I replied, “Send her to see me”. First she was angry and told me I was an infidel. But I spoke to her at length, too, about embracing peace and why – today she too has become a peacemaker, working with me. Real change is possible.’

The event focussed on promoting women’s role at the centre of peace processes. This includes as mediators; supporting women building peace at the grassroots level; and helping all survivors of conflict-related sexual violence, including children born of rape.
The event also promoted the role of women peacebuilders in conflict-affected countries and Commonwealth countries highlighting some staggering statistics about how vital it is to have women at the heart of peace negotiations.

Did you know?

  • When women participate in peace processes, the resulting agreement is 35% more likely to last at least 15 years.
  • The participation of society groups, including women’s organisations, makes a peace agreement 64% less likely to fail.
  • Higher levels of gender equality are associated with a lower propensity for conflict, both between and within states.
  • Despite women’s critical contributions to security, their representation in peace processes has lagged.

So what’s the UK doing for women peacebuilders?

  • The UK is supporting civil society women peacebuilders at the grassroots level globally through funding to the UN Women’s Peace and Humanitarian Fund and to NGOs working in each of our NAP focus countries through the International Civil society Action Network and the Women’s International League for Peace and Freedom.
  • The Foreign and Commonwealth office committed £1.6 million to increasing women’s participation in peace processes at the Commonwealth Summit in April 2018, including support to the network of Women Mediators across the Commonwealth (WMC), implemented by Conciliation Resources.

Why it matters?

  • We know that societies with representative and inclusive leadership tend to be more stable, secure and prosperous. This is why it is worth making the case and securing support for these women.
  • The event at Buckingham palace brings together leading international peace builders to focus on the role of women in conflict-affected countries and Commonwealth countries. This is in line with the UK National Action Plan on Women, Peace and Security and Foreign and Commonwealth office objectives on promoting women’s inclusion in peace processes.

The post Global peace is impossible without female negotiators appeared first on Marie Claire.

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I’d Like To Try To Fumigate This Here Sweater: Dealing With Moths, Without Pesticides

Two things that make modern menswear enthusiasts shudder: bad return policies and moths. The former can be avoided, the latter will probably affect you at some point, even if you’re quite careful with your clothes. Which, admittedly, I am not, always. If you’re like me, you spend a lot more time thinking about acquiring and wearing your clothes than about storing them properly. Once I hang something in the closet, I don’t worry about it too much until I pull it out again. Except once in awhile, it comes out a little… eaten. Most often, with two small holes near each other, like a sweater vampire sunk its teeth into the fabric.

Unfortunately, your worn clothes, particularly wool and silk items, are a Cheesecake Factory for baby moths and their partners in crime, baby carpet beetles (Ok; they’re larvae, but we’re euphemizing in this post and avoiding photos of actual moths, which you probably won’t see anyway). They’re just lining up, poring over the extensive menu, and marveling at the weird architectural details. It’s bad enough they’re eating holes in your clothes, but they’re also being pretty gross about it — they’re using the fibers to spin their protective cases, they’re laying hundreds of eggs, and frankly they’re just shitting everywhere.

And worst of all, it’s probably sort of your fault. Moths particularly appreciate soiled clothing, and thrive in undisturbed darkness; for example, the bottom of a closet where a sweater fell, unnoticed, or a storage bin you haven’t opened in two years. Your clothes don’t have to be outright filthy to be eaten, but unless you dry clean or wash your wool and silk items every time you wear them, your clothing likely has some lingering perspiration or food particles, which they look for. The most common way infestations start is by bringing an infested item into the storage environment, so be extra careful to clean any thrifted items before putting them in your closet (or wearing them, really). Of course, many living spaces, especially those with carpeting, may have some moths already when you move in — so it’s not totally your fault.

Many Ways to Approach a Moth Problem

Defeating clothes moths can be a daunting task. If you find holes in a sweater, you can dry clean it (which kills bugs), then darn the holes or have them professionally repaired. But it’s likely that the sweater was sitting in a drawer or bin with other tasty woolens, or in a closet with suits or wool outerwear — potentially thousands of dollars in moth targets. One instance of damage does not necessarily indicate infestation, but it’s difficult to be sure until you see more moth damage, or don’t. So what can you do?

The easiest and most expensive answer is to dry clean anything that’s been stored with your damaged item. That can add up pretty quickly, especially if you share your closet or storage space. These bugs can move, so they don’t need direct contact to get from one article of clothing to another. To eradicate effectively, you need to literally dry clean everything, or at least be very careful about never exposing your dry cleaned, moth-free batches to potentially mothy areas or clothing.

Another method is pesticides, the most common being mothballs, but there’s so many drawbacks it’s not really worth the trouble. Mothballs smell bad (a smell that’s hard to get rid of, a fact well-known to thrift/vintage hounds). They work only if the clothing is kept with the mothballs in an airtight space, and the chemicals involved can be harmful to people and pets.

Pesticide-Free Solutions

If you want to avoid pesticides, you still have some options, primarily getting your clothes into an environment outside the moth comfort zone — hot, cold, or low on oxygen. The Northwest Center for Alternatives to Pesticides recommends a handful of methods.

Many sources recommend freezing, although it potentially takes a long time and is not 100% effective. You need to leave clothes at a temperature well below freezing for at least a couple of days — the freezer in your kitchen may not be great, as the temperature fluctuates a lot as it’s opened and closed.

The two pesticide free methods I’m interested in trying are heat and dry ice fumigation, which has a Mr. Wizard vibe that I like.

  • With heat, the magic number is 120 degrees, to which your clothing must be exposed for at least 30 minutes. Many ovens don’t have a setting this low, and it can be hazardous to heat your clothes to, say, 350, so be careful with this method. Place items on a clean sheet pan, potentially on a towel you don’t mind damaging, as it may scorch. Keep a close eye on items to avoid damaging them, and don’t place anything in the oven that could melt, including synthetic fabric blends, plastic zippers, etc. Or you could just take everything outside in Arizona in the summer.
  • The fumigation method involves placing the items in a heavy trash bag (like a “contractor” grade bag, not a kitchen bag) with a pound of dry ice (available at some grocery stores or beverage distributors). Sealed loosely (not tightly!), the bag will fill up with sublimated carbon dioxide, killing the pests. Once the ice has dissipated, close the bag tightly and leave it sealed for a few days. Hey, at least it’s not in your freezer. Obviously, handle the dry ice carefully, i.e., not with your bare hands.

Once You’re Moth Free

Once your clothing has been treated, you can take the preventive steps universally recommended:

  • If you store clothing, clean it before you store it.
  • Store clothing in airtight containers as much as possible.
  • But also, wear your clothes–moths are much more likely to go after clothing in long-term storage than clothing you wear regularly.
  • Keep clothing storage areas and upholstered items generally clean — vacuum closets, vacuum upholstery, vacuum baseboards and under beds/furniture.
  • Keep a vigilant eye out for moth damage and bugs themselves.
  • Add cedar or bug-bothering herbs, like lavender, to your clothing storage areas. Cedar effectiveness wears off, though, and lavender’s effectiveness is not totally clear.

The post I’d Like To Try To Fumigate This Here Sweater: Dealing With Moths, Without Pesticides appeared first on Put This On.

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3 Ways to Score a Free Vacation (Without Entering a Scammy Contest)

Where do you want to go on vacation? Disney World? New York City? Vegas? Paris? A sandy beach somewhere?

All of those sound awesome, but holy cow, are vacations expensive. You’ll have to pay for plane tickets or a serious road trip. You’ll need to stay at a hotel (or Airbnb). Add the cost of restaurant meals, maybe a rental car and admission fees for all those fun tourist activities you want to do.

Making memories ain’t cheap, but luckily we’ve got ideas for how you can afford it. If you can pull in enough cash through side gigs or passive income, your vacation will be basically free.

Here are three ideas:

1. List Your Place While You’re Gone

While you’re on vacation, you won’t be home. I mean, that’s sort of the whole point of a vacation, isn’t it? To get away. You leave your house or your apartment, and you travel somewhere far away.

Since you won’t be using your home, why not let someone else use it while you’re gone? You might as well try to earn some money by listing it on Airbnb.

Sure, you can always list a spare room if you’ve got one. But consider listing your entire place while you’re away. If you’re a good host with a desirable space, you could make some bank on Airbnb.

Just enter your information into Airbnb’s calculator to receive a free income estimate. Depending on how long you can list your place, you could make hundreds — or even thousands — of dollars.

Here are some 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.

Here’s our beginner’s guide to being an Airbnb host, starting with how to create your listing and set your price.

2. Use a Rewards Credit Card to, Well, Reward Yourself

If you’re not using a rewards credit card for everyday purchases, you’re missing out on free money — money that you could be using for your vacation.

You could use it on your trip. Use it to pay for your hotel stay or car rental or dinner out, to really get more bang for your buck. (Just make sure to pay off your balance each month to avoid interest charges.)

Here’s an option we like: It’s the Chase Freedom Unlimited card. Its claim to fame? You’ll earn an unlimited 1.5% cash back on all your purchases. Plus, if you spend $ 500 in your first three months of opening the card, you’ll pocket a $ 150 bonus.

There’s no annual fee, and the cash-back rewards don’t expire. We checked Credible’s annual rewards calculator, and it estimates $ 417 in annual rewards based on our spending habits.* (You can enter your unique spending habits and see what you’d earn, too.)

Get signed up — and 0% intro APR for 15 months — here.

3. Get Free Accommodations as a House-Sitter

What about staying someplace cool and getting paid for it?

Imagine sipping your morning coffee on a beautiful balcony looking out over the ocean. Later, you water the plants and clean up a bit before taking a dip in the pool. Oh, and you’re getting paid for taking care of this house.

It sounds too good to be true. Can you really find house-sitting jobs that pay?

Yes and no. Yes, caretaking gigs that pay a salary or stipend in addition to providing you a place to stay do exist. But no, there aren’t many that fit the description above.

Most house-sitting opportunities fall into one of these two categories: standard house-sitting gigs, or more demanding caretaking jobs.

Many websites list house-sitting gigs, and a quick glance tells you right away that not many people are offering to pay their house sitters much — if anything. Normally, you get a nice place to stay for free.

This might not sound like much of a money-making opportunity, but it depends on how you look at it. House-sitting could be a way to get free accommodations when you travel, cutting a huge expense.

Here are some of the online platforms where you can find the opportunities, along with their subscription rates:

  • House Sitters America ($ 30 per year)
  • Mind My House ($ 20 per year)
  • Housecarers.com ($ 50 per year or free limited membership)
  • Luxury House Sitting ($ 25 per year)
  • Nomador ($ 89 per year or limited free membership)

Some people make a lifestyle of house-sitting. Canadian couple Dalene and Peter Heck sold everything to travel the world, staying in other people’s homes. For eight years, they stayed in more than a dozen different countries all over the world, saving themselves tens of thousands of dollars in housing costs.

Now, think again about where you want to go on vacation.

*Annual Rewards amounts will change based on the amounts you enter. The monthly spending category names and definitions may vary among issuers, and categories may not align one-to-one.

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

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He could use a vacation.

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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Saudi prosecutor indicts women’s rights activists held for nearly a year without charge 

It is not clear whether Saudi Arabia intends to vigorously pursue legal charges or release the activists under the cover of a judicial process — and, by doing so, dispense with what has become a public relations problem for Crown Prince Mohammed bin Salman. 
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Long Island City will continue growth without Amazon, says real estate brokerage CEO

CNBC's "Power Lunch" team talks with Robert Frank, CNBC's wealth reporter, and Eric Benaim, CEO of Long Island City brokerage Modern Spaces, about how Amazon's decision to pull out of Queens will impact real estate.
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10 Types of Tech You and Your Home Can Do Without

It doesn’t always pay to become an early adopter of the latest and greatest technological advancements. In fact, some home tech products just aren’t worth the investment, or are subject to security risks or maintenance woes that make them better admired on the shelf than brought home. Scroll through for a list of tech products your home can probably live without, or that you should at the very least think twice before buying.
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Start-ups are selling kits for men to freeze sperm without leaving their home or seeing a doctor

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

Here’s a Simple Trick to Snag 1% Cash Back on Anything (Without a Credit Card)

Remember that sweet surround sound system you bought a year ago? “Game of Thrones” never sounded so cool!

You even used your special credit card so you could earn some cash back on that baby. Well, that was the idea, anyway. Six months later, when you still had a balance on that card, you realized you paid a lot more in interest than what you earned in cash back.

The score? Credit card company: 1. You: 0

Believe it or not, you don’t have to use a credit card to enjoy the benefits of cash back. You can earn 1% cash back just for making your everyday debit card purchases — if you have an Empower banking account

You Can Get Cash Back — Without the Risk

You love cash back. Who doesn’t?

The problem is, your credit card offers you a small percentage of cash back, but it charges you an astronomical interest rate.

Why not just get cash back without the risk of paying crazy interest rates?

Here’s the trick: Don’t get a cash-back credit card — get a cash-back debit card with Empower.

When you open an Empower checking account, you can start earning cash 1% back on your everyday purchases with your debit card up to the first $ 1,000 spent each month. Refer your friends to this awesomeness, and you could boost that number up to 2%.

Your morning coffee stop? Cash back.

Lunch? Yep, cash back.

That weekly trip to stock up on groceries? You guessed it. Cash back.

Stop risking your money with credit cards just to get cash back. With Empower, you can get the rewards you love without risking big interest charges. Plus, there are no ATM fees, annual fees or overdraft fees.

Handle all of your finances right from your phone with Empower. Pay nothing and earn cash back just for using your debit card.

The score? Credit card company: 0. You: 1%.

Winner winner.

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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House Democrats to propose $1 billion for border security without money for wall

House Democrats are pushing forward with legislation to beef up security at the borders without funding for the wall demanded by President Donald Trump, a move bound to intensify the standoff over a partial government shutdown heading into its fifth week.


CNN.com – RSS Channel – Politics

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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!

This $40 app can help you build a website without writing a single line of code

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If you’re a creative with an impressive portfolio or a business owner selling a medley of high-demand products, but you don’t have a legitimate website to show for it — do you really exist?

In our increasingly digital world, it’s almost a requirement that you have a functioning website to establish your existence and publicize your goods and services to the rest of humanity. But the concept of building a website sounds time-consuming, expensive, and simply put: hard.

But platforms like Page Builder Pro are popping up to offer a fuss-free and cost-effective way to assemble the site of your dreams without any sleepless nights. If you’ve never written a line of code in your life or find website-building platforms like Squarespace too costly, you’ll like the fact that you can build a site with Page Builder for under $ 40. Read more…

More about Apps And Software, Web Design, Mashable Shopping, Shopping Stackcommerce, and Shopping Solo


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Hate Doing Taxes? Here’s How to Easily File Them — Without Even Leaving Home

Do you procrastinate on taxes until April 15 every year? Does the sight of a W-2 form make your eyes cross? Does pricy tax software make you want to run and hide?

C’mon, it doesn’t have to be that bad. Help is available at an affordable price, and you don’t even have to leave your home.

That’s what you’ll get from H&R Block, the biggest tax-preparation company in the world. Because they’ve been in business since 1955, you might think they’re stodgy and old-fashioned. Nope — they’re keeping up with the times, rolling out innovative new ways to make filing your taxes easy and affordable.

Tax Filing From Home

If your taxes are super simple, you can file for free from your phone, tablet or computer with H&R Block Free. You can also file for free if you’re paying tuition or receiving student loans.

The Penny Hoarder writer Carson Kohler tried H&R Block Free last year and was pleasantly surprised by how easy and quick it was.

“I poured myself a giant cup of coffee and settled in for the afternoon,” she wrote. “Little did I know, this would be over in about 20 minutes.”

She downloaded the H&R Block app on her phone and created an account. That made it easy to switch over to her computer at any point without losing any of her information. She snapped a photo of her W-2 and answered a few quick questions. Once she reviewed her information, her part was basically done.

If your taxes are a bit more complicated, you might need to pay a small fee to file online. These options include:

  • Deluxe Online Tax Filing: This is similar to the free service, because you do it all online. If your taxes are a little more complicated — for example, if you own a home or have children — this is a better fit. It’s only $ 29.99 — not free, but really affordable for professional tax prep services.
  • Premium Online Tax Filing: Use this if you’re a freelancer or if you own stocks or other investments. It costs $ 49.99.
  • Self-Employed Online Tax Filing: Use this if you’re self-employed or a small business owner. It costs $ 79.99.

Right now, Penny Hoarders get a 35% discount on all of these.

Professional Tax Prep Can Be a Godsend

The exterior building of H&R block.

Once upon a time, if you wanted to have your taxes done by a professional, you’d have to drive to a tax office in person. You’d sit there and make small talk while an accountant flipped through your documents, tapped on a calculator and figured out your deductions.

These days, you can skip the trip. With H&R Block Tax Pro Go, you’ll upload your documents online, and a tax professional will do everything for you and get back to you within five days. Prices start at $ 59 but can increase depending on how complicated your taxes are.

It can help to have a pro do your income taxes, because Uncle Sam keeps messing around with the tax codes. Some new rules are coming into play this tax season. For instance, the standard deduction is higher, but the personal exemption has been eliminated.

If you don’t know what that means, join the club. Maybe it’s time to call in a pro.

H&R Block’s services can help ensure you get the best refund possible at a price you can afford.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. A homeowner with two kids and freelance income, he hasn’t done his own taxes in years.

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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Aly Raisman Won Gold in Two Olympics Without a Scratch, but Broke Her Elbow Falling Down Stairs

(BOSTON) — Olympic gymnast Aly Raisman says she is recovering from a broken elbow suffered in a fall on the stairs.Raisman in a Twitter post says “I survived two Olympic Games and 19 years of gymnastics without ever breaking a bone … the stairs got me … I fell and broke my elbow.”

She also posted a picture of herself on a couch, her right arm in a cast, snuggling with a dog. Raisman is native of the Boston suburb of Needham.

Raisman, captain for both the gold medal-winning 2012 and 2016 U.S. women’s Olympic gymnastics teams, is also a best-selling author and a survivor of sexual abuse. She’s been an outspoken advocate for women who were abused or victimized, and a harsh critic of USA Gymnastics, the sport’s governing body.

Sports – TIME

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WATCH: World News 01/04/18: Trump: ‘Without Borders, We Don’t Have a Country’

Navy SEAL accused of war crimes; Teen delivers custom teddy bears to families of fallen officers
ABC News: World News Tonight

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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!

Trump: ‘Without borders, we don’t have a country’

ABC News

SPECIAL NEWS BULLETIN:

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

CHARITY UPDATE:

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

SPECIAL DONATION REQUEST UPDATE:

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

How to Save $432 a Year at the Grocery Store Without Clipping Coupons

Nancy Frost loves saving money at the grocery store. It’s not a chore for her; rather, it’s a challenge she meets with enthusiasm.

“I’ve always been interested in saving money but never really was able to make that happen,” said Frost, a library services supervisor with a large family in Cumberland, Maryland. “We have six kids between us and several grandchildren. Also, my husband and I enjoy our four Jack Russell terriers.”

With a sizeable family, including those four-legged mischief-makers, every dollar counts. So what does Frost do? She started using a cash-back app to earn money when she shops — and she saved $ 432 in one year.

An App That Pays You for Shopping

Nancy Frost uses Ibotta for her grocery purchases in Cumberland, Md., Tuesday Aug 7, 2018.

Frost uses Ibotta to earn cash back for stuff she would have bought anyway — by taking pictures of her receipts.

In the app, specific items are listed at various stores. When you buy those items, you simply select the deal in Ibotta and take a picture of your receipt, and you’ll get cash back in your Ibotta account. Once you’ve reached $ 20, you can swing that money into your bank account.

Frost uses the app when she makes grocery runs and trips to Walmart.

“I use it at home before I go to the store, almost like a grocery list,” she said. “I find the offers that the vendors have available.”

By looking at Ibotta’s offers before she sets foot outside her door, she can plan her shopping trip. She knows ahead of time which brand of yogurt or cottage cheese will save her money. She might try new things she sees on the app, but she usually sticks to items she had already planned on buying.

It Beats Clipping Coupons

“It’s probably no more time consuming than clipping coupons,” she said. “To me, the difference with Ibotta is that a manufacturer’s coupon comes off your overall order and you don’t really think about it. But Ibotta, to me, I look at that as earnings.”

Frost enjoys photography as a hobby, so it’s only natural that taking pictures of receipts now could help her prepare for a comfortable retirement. Then, she’ll be able to take pictures of whatever catches her eye.

But for now, she has no plans on stopping. In fact, she plans on ramping up her efforts and recommends that others take advantage of Ibotta and other savings tools, as well.

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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What Happened to Jodi Huisentruit: Inside the Ongoing Search for Answers After an Iowa News Anchor Vanished Without a Trace

Jodi HuisentruitSomething happened to Jodi Huisentruit. Exactly what remains a mystery.
The 27-year-old from Long Prairie, Minn., had found her way to Mason City, Iowa, the latest of several stops…

E! Online (US) – Top Stories

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White Man Refuses To Let Black Men Enter Apartment Without Proof Of Residency [Video]

In this week’s edition of white people never learn , a man that Twitter has named Hallway Hasselhof refused to let his Black neighbor into his apartment building.

“What are you doing in my building?” the white man asks. “You don’t live here.”

Chika Okafor posted video of the confrontation to social media noting that he was interrogated for the crime of existing in a white space as a free Black man. Writing that the man in the video “interrogated” him while he was waiting for a Lyft on the first floor of his apartment building with a friend, who caught the whole exchange on video.

“I’ve lived here 27 years and I’ve never seen you,” said Hallway Hasselhof. Apparently, Okafor should have sent out an e blast informing everyone in the building that a Black man had moved in, to prevent a scene like this one from unfolding.

The white man was visibly upset that Okafor was not losing his composure because he folded his arms and stated “I can be as cool as you.”

“You left your MAGA hat upstairs, man,” the friend filming the heated conversation tells the man in the video.

Obviously this isn’t sitting well with Twitter who had a lot to say about Hallway Hasselhoff.

“What was with him criticizing you for being calm, collected and cool. These people can’t stand that a black man can be more dignified and cooler than they will ever be,” one Twitter user commented, Yahoo reports.

“If he was truly backing down to be neighborly, he would have done neighborly things like introduce himself or extend a handshake,” another person wrote. “His intentions were very clear.”

No word on what happened to Hallway Hasselhoff yet but we’re sure the Twitter detectives will identify him soon!

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HEAD BACK TO THE BLACKAMERICAWEB.COM HOMEPAGE

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MLB Agreement Will Let Cuban Players Sign Contracts Without Defecting

(HAVANA) — Major League Baseball, its players’ association and the Cuban Baseball Federation reached an agreement that will allow players from the island nation to sign big league contracts without defecting, an effort to eliminate the dangerous trafficking that had gone on for decades.

The agreement, which runs through Oct. 31, 2021, allows Cubans to sign under rules similar to those for players under contract to clubs in Japan, South Korea and Taiwan.

Only players under contract to the Cuban federation are covered by the agreement, and the Cuban federation agreed to release all players 25 and older with at least six years of professional experience. They would be classified as international professionals under MLB’s labor contract and not subject to international amateur signing bonus pools.

The Cuban federation may at its discretion release younger players to sign minor league contracts with MLB organizations.

Sports – TIME

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Pay off Credit Card Debt Without Selling Jewelry or Getting a Second Job

If they made a movie about paying off your credit cards, it would be called “Mission: Impossible.”

Seriously, paying down your credit card debts is a Herculean task. It can feel like you’re trying to climb a mountain that’s made out of quicksand.

You reach a point where you’re paying so much interest, you can’t pay down the principal.  

It’s tempting to take drastic measures. Sell off all your jewelry. Take a second job and say goodbye to your free time. You don’t have to do that. Don’t despair.

We’ve Got Ideas You Haven’t Thought of

Before you drive to the pawn shop or check the job listings, we’ve got eight tips for how to pay off your credit cards.

1. Let This Company Cut Your Interest Rates

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

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

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

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

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

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

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

2. Get a Strategic View of Your Debt

One of the toughest parts about paying down debt is knowing where to begin.

To get yourself out of this hole, first you have to know what you’re dealing with.

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

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

It offers personalized tips for how to deal with your debts. Folks who’ve used it tell us it’s a lifesaver.

3. Find out If You’re Paying Too Much for Car Insurance

Woman posing in front of a mural of a car.

You’re probably overpaying for car insurance and wasting money you could use to pay down debt.

Have you shopped around lately? Have you compared rates from the 20 largest auto insurers that do business in your area? That sounds kind of difficult and time-consuming, doesn’t it?

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

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

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

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

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

4. Find Some Hidden Cash

Before you start hashing out a plan to tackle your debt, it might make you feel better to find areas in your life where you can save. Then you can funnel that money directly toward those outstanding balances.

For consistent savings, download TrueBill, an app that’ll negotiate your bills, cancel unwanted subscriptions and refund your bank fees. On average, Truebill says it saves customers $ 700 a year.

You can also try digging up some extra cash with 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.

One of our favorite ways to save on everything is with Ebates, a cash-back site that rewards you nearly every time you buy something online. For example, Ebates gives you 10% cash-back on online purchases at Walmart. Plus, you’ll get a free $ 10 gift card to Walmart for giving the site a try.

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

5. Earn Rewards When You Repay Your Debt on Time

Woman on laptop.

When you were a kid, your mom probably gave you an allowance for washing the dishes and sweeping the floor. Now all you get for doing that is a kitchen that’s clean for, like, 15 minutes.

Now that you’re a grown-up, you no longer get rewarded for just doing the things that are expected of you — like, for instance, paying bills on time.

Not until now, anyway. MoneyLion, a free app for managing your personal finances, will reward you for things like paying your bills and monitoring your credit — even just setting up an account in the app.

Much like that childhood allowance, it’s basically bribing you to be good.

You’ll earn points in the app’s rewards program, and you can redeem them for gift cards to more than 15,000 retailers, including places like Walmart, Applebee’s and Amazon.

If you want to take it a step further and work on paying down debts, for example, MoneyLion can help with a loan to consolidate your debt and potentially reduce your interest rates. And it’ll reward you for that, too!

6. Start Saving Without Trying

Saving money is tough. So what if you could do it in a way where you wouldn’t even notice?

Digit makes that possible.

This innovative app automates saving for you. Simply link it to your checking account, and its algorithms will determine small (and safe!) amounts of money to withdraw into a separate, FDIC-insured savings account.

Bonus: Penny Hoarders will get an extra $ 5 just for signing up! Additionally, savers will receive a 1% bonus every three months.

Digit is free to use for the first 30 days, then it’s $ 2.99 per month afterward.

7. Make Extra Money While You Watch TV

For those times you choose the frugal route and stay in for the night, why not cash in on your free time? Survey sites aren’t the fastest way to earn money, but they’re a great way to build a little savings while you veg out.

Here are some of our favorites:

  • Swagbucks is definitely a reader favorite, probably because of the wide variety of ways to make money beyond taking surveys. Plus, you get a $ 5 bonus when earn 2,500 SB within your first 60 days.
  • InboxDollars lets you actually get paid to watch TV online. The site hosts a ton of stuff to watch, including cooking, entertainment, news and health shows. The shows are sponsored by brands that need to get them in front of as many eyeballs as possible. Every time you watch one, InboxDollars will credit your account with a little bit of cash.
  • MyPoints: This platform lets you earn gift cards for taking polls, answering surveys and other things you do online — a great way to cash in on long lines or an endless commute. You’ll earn a $ 5 bonus when you complete your first five surveys.

8. Negotiate Your Bills

Remember what your grandma used to say when you wanted a cookie? “Ask nicely!”

It turns out that’s amazing life advice when it comes to tackling your debt, as well.

Sometimes you can lower your bills, especially crippling medical bills, just by asking to have them reduced. Let your provider know a good reason why you can’t pay what it’s asking. You might get a little relief.

Also keep an eye on late fees and other sneaky charges that are added on to your bill. Those are easy for your debtors to remove if they choose.

It doesn’t hurt to ask, right?

Mike Brassfield is a senior writer at The Penny Hoarder.

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

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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Trump, without evidence, accuses James Comey of lying to House Judiciary Committee

President Donald Trump lashed out at former FBI Director James Comey over testimony he gave to the House Judiciary and Oversight committees on Friday, accusing the former FBI chief, without evidence, of lying to lawmakers and questioning his inability to recall events related to certain questions.


CNN.com – RSS Channel – Politics

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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!

AIDS Treatment Has Progressed, But Without A Vaccine, Suffering Still Abounds

(The Conversation is an independent and nonprofit source of news, analysis and commentary from academic experts.)

(THE CONVERSATION) I mentioned to a friend, a gay man nearing 60, that World AIDS Day, which has been observed on Dec. 1 since 1988, was almost upon us. He had no idea that World AIDS Day still exists.

This lack of knowledge is a testament to the great accomplishments that have occurred since World AIDS Day was created 30 years ago. It is also due to an accident in the timing of his birth that my friend escaped the devastation wreaked by AIDS among gay men in the U.S., before there was antiretroviral therapy.

Many people have forgotten AIDS, but there are consequences to forgetting. The fight against AIDS is at a tipping point. Increasingly, there are signs that we may be heading in the wrong direction.

Many successes, yet the grand prize is elusive

I am a social epidemiologist with more than 20 years of research experience in HIV and STD prevention. I am also the founder of The Basics with Dr. Mo, a sex health communications project that translates prevention science directly for people who need it most.

It is true that global HIV/AIDS success stories abound: Mother-to-child transmission can be reduced to below 5 percent, 75 percent of people living with HIV know their status and 59 percent receive antiretroviral therapy.

Most recently, Pre-Exposure Prophylaxis (PrEP) – the use of antiretrovial drugs to prevent HIV infection among those exposed – has proved to be a successful prevention approach.

Yet the prize – a vaccine that can prevent HIV infection – remains elusive, and makes impossible the use of the only known strategy to have ever eradicated an infectious disease: widespread vaccination. That disease was smallpox, in 1980.

The seeds of unease

Despite the lack of a vaccine, in 2016 United Nations member states adopted a political declaration on ending the AIDS epidemic by 2030.

As part of the accountability framework, interim 2020 goals set a target of 500,000 new HIV infections for that year. A review of the most recent data estimated 1.8 million new HIV infections in 2017, exactly the same number as in 2016.

Prominent scientists have already begun to question the ability to eradicate AIDS by the 2030 deadline, and concede that the situation has stagnated. The attainment of eradication looks bleak, without the aid of either an effective vaccine or the immediate large-scale promotion and utilization of existing prevention tools (i.e., condoms, voluntary circumcision and potentially PrEP). Given that the vast majority of new HIV infections are sexually transmitted and that condoms have played a decisive role in the global control of HIV transmission, ongoing condom availability and use will be essential to future eradication.

Condoms – both male and female – remain a highly effective mechanism of HIV/AIDS prevention, as well as of other sexually transmitted infections that greatly enhance the risk of HIV transmission.

Condom use is also strongly advised by global public health institutions, including the World Health Organization and the U.S. Centers for Disease Control and Prevention, in conjunction will all other HIV prevention tools including PrEP, because of their lower levels of effectiveness in preventing transmission.

Condom availability is a different matter and varies greatly from country to country. Countries with the highest levels of HIV often rely heavily on donor support. According to the most recent data, in sub-Saharan Africa in 2013, only 10 condoms were availableannually for every man aged 15 to 64 (as compared with the recommended 50 to 60), and, on average, there was one female condom available for every eight women. Funding required to maintain – let alone scale up – HIV commitments, particularly those dedicated to prevention, are increasingly uncertain.

The hydra, sprouting new heads

Even though condoms are an extremely effective barrier method, it is usage that makes condoms efficacious in preventing HIV transmission. Reported condom use varies considerably around the world, and ranges from 80 percent use by men in Namibia and Cambodia to less than 40 percent usage by men and women in other countries, including some highly affected by HIV such as Sierra Leone and Mozambique.

Age plays a role, too. Among young people aged 15 to 24, condom use at last sex variesfrom more than 80 percent in some Latin American and European countries to less than 30 percent in some West African countries. In the U.S., condom use is at the lower end of the spectrum: Only one-third of the population uses condoms, a number that has not changed significantly over the past two decades.

The majority – 66 percent – of the world’s HIV/AIDS cases are in sub-Saharan Africa, where there has been much progress, particularly with the provision of antiretroviral therapy.

However, there are worrying signs in other parts of the world. There has been little change in new HIV infections in countries outside of sub-Saharan Africa between 1990 and 2017.

In fact, six of the 10 most populous countries in the world have experienced 10 percent to 45 percent increases in new HIV infections since 2010: Russia, China, Brazil, Pakistan, Mexico and Bangladesh. Even in countries such as the U.S., where new HIV infections have decreased by 8 percent overall, the rates of change are unevenly distributed. For example, young African-American men who have sex with men show no decrease in new infections; African-American gay and bisexual men represent the largest percentage of new HIV infections: more than one-quarter.

The increased provision of antiretroviral therapy to people living with AIDS has had a huge impact on extending life and in preventing new HIV infections. However, there remains 25 percent of the population who live with HIV, about 9 million people, who do not know their status.

While we have been necessarily focused on the head of the hydra in sub-Saharan Africa, other hydra heads are beginning to make their presence known, many in countries ill-prepared to deal with increases in the number of new HIV infections.

In the absence of a vaccine, behavior change in the form of condom use promotion, acceptance and adoption, at a scale that many gay men utilized during the peak of the AIDS epidemic in the industrialized world, will need to occur. There are many challenges: continued stigma and gender inequality, not to mention issues of availability, distribution and proactive, nonjudgmental promotion.

We must not forget. Progress on reducing the rate of new HIV infection has been done before. It can be done again, but only if we take forceful, funded action now.

This article is republished from The Conversation under a Creative Commons license. Read the original article here: http://theconversation.com/aids-treatment-has-progressed-but-without-a-vaccine-suffering-still-abounds-107765.

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How to Save Money on Everything You Buy for Baby Without Clipping Coupons

There was a time when my wife and I could go to Target, and the only things we’d have to worry about kicking up our bill were bags of M&M’s or home decor items no one really needs.

Now we have twin babies. These days, our cart fills up with diapers, baby food and a variety of odds and ends I never even knew those little people needed. It adds up fast.

In the first year alone, parents can expect to spend at least $ 20,000, according to a NerdWallet survey. While a big portion of that number comes from daycare and medical costs, those everyday items can make you want to cry louder than your baby.

Luckily, we found an app that can help you save big time as you load up on some of those costly things you need to keep your baby happy and healthy.

You may know Ibotta as a great way to get cash back on groceries, but have you looked at all of the baby items it features?

Get up to $ 6 Cash Back on Baby Formula

A hand holds powder milk for baby and blue spoon.

We all know breastfeeding is the most affordable way to nourish your little one. I mean, Mother Nature provides the good stuff for free, right?

While as many as 83% of babies are breastfed, fewer than half of them are breastfed exclusively, even during the first three months, according to the CDC. That means parents are filling the gap with formula.

At nine months old, our twins are primarily breastfed and still go through two cans of formula per week at roughly $ 20 per can. Ouch.

Here are just a few of the recent formula deals we’ve seen on the app:

  • Similac: $ 3 cash back from multiple stores, including Target and Walmart.
  • Enfamil NeuroPro: $ 4 cash back at Walmart.
  • Parent’s Choice: $ 3 cash back at Walmart.
  • CVS Health: $ 4 cash back at CVS Pharmacy.
  • Member’s Mark: $ 4 cash back at Sam’s Club.
  • Gerber Natura Organic: $ 6 cash back at multiple stores including Meijer, Publix and Walmart.
  • Berkley Jensen: $ 4 cash back at BJ’s.

We’re not talking a few cents here.

If you’re using formula at all, you can be saving significant money by using Ibotta. Just find a deal for your favorite brand, snap a photo of your receipt with the app, and bam — cash back.

Bonus: When you earn your first cash-back offer through the app, you’ll pocket a $ 10 bonus.

Get up to $ 3 Back on Baby Food

Eventually, your little bundle of joy will need more than just milk. Pretty soon, you’ll be filling your cart with an amazing variety of pureed veggies and fruits that will inevitably end up all over your baby’s bib, in their hair and on the floor. But that’s all part of the experience, right?

Ibotta can help out here, too. Get these tidier treats:

  • Happy Baby Clearly Crafted Pouches: Get 75 cents cash back when you buy any three at Walmart, or $ 2.50 cash back on a 10-pack at Sam’s Club.
  • Gerber Organic Pouches: Get $ 3 cash back on a 12-pouch box at Sam’s Club.
  • Beech Nut Organic Pouches: $ 2 cash back at multiple stores, including Food Lion, Meijer and Babies R Us.

Earn up to $ 3 When You Buy Vitamins, Wipes, Bottles and More

The list doesn’t stop there. There are tons of odds and ends we need to keep our babies happy and healthy. Here are a few of the best deals:

  • Zarbees Baby Vitamins: $ 3 cash back at multiple stores, including CVS, Meijer and Publix.
  • Aveeno baby products: $ 1 cash back at Walmart.
  • Johnson’s Baby Products: $ 1 to $ 3 cash back at Walmart.
  • Desitin: $ 2 cash back on a 16-ounce jar at Walmart.
  • Huggies Wipes: 50 cents cash back at Walgreens.
  • Baby Bum Products: $ 1.50 cash back at multiple stores, including Target and Buy Buy Baby.
  • Playtex Baby Bottles: $ 3 cash back at Walmart.

Earn up to 18% Cash Back When You Shop Online

What new parent has extra time to go to stores? Ibotta can help you save money with your online shopping, too.

For example, we’ve seen deals for:

  • Up to 5.5% cash back from Amazon.
  • 5% cash back from Etsy.
  • 4% cash back from Groupon.
  • 2% cash back from Buy Buy Baby
  • 3% cash back from Overstock.com.
  • 18% cash back from Warby Parker.

Just download the app for free, select “Find Offers” and the mobile shopping category, then shop your favorite retailer through the portal.

Look Before You Shop

The best way to take advantage of Ibotta deals is to take a look through the app before you head to the store and see which deals are available. Are your favorite brands offering deals? Are you willing to try a different brand to save a few bucks?

We don’t see any diaper cash back deals on the app right now, but keep checking. We also have seen some sneaky ways to get free diapers.

If you haven’t tried Ibotta yet and you have a bouncing baby bungling your budget, now is the time to sign up.

With all the money you’ll save, you can get a great start on that college fund… because you do want them to get a great job and move out eventually, right?

Tyler Omoth is a staff 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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How did we actually survive without this new iPhone hack?

Minds blown.

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Words by Emily Lambe

Food blogger and now certified genius, Krissy Brierre-Davis, discovered an iPhone hack that sent Twitter into shock.

Last Saturday, the Atlanta-based blogger stumbled upon a hack that makes moving the cursor way easier. Just click and hold the space bar instead of trying to drag it manually.

‘How come you guys never told me this iPhone trick? I feel duped,’ she tweeted with a screenshot of her discovery.

‘I thought I was an idiot for never having discovered this gem myself,’ Brierre-Davis told BuzzFeed News. ‘My mind was blown. Literally.’

The hack isn’t just limited to the space bar. You can press anywhere on the keyboard for it to work, according to one user.

And it doesn’t stop there! Pressing down while holding the cursor makes highlighting easier as well.

Apparently, we’ve been sleeping on this for three years. The 3D Touch feature was introduced in 2015 with the iPhone 6s.

It’s safe to say most of us feel pretty shocked by this monumental discovery. ‘This is LIFE CHANGING INFORMATION,’ a user tweeted. Even Mike Issac, a Technology Reporter for the New York Times, is amazed. He tweeted, ‘this just changed my entire life.’

Well, it’s safe to say this new iPhone discovery has changed the way we type forever, but how on earth did we not notice this before?

Be right back – off to look up new hacks!

The post How did we actually survive without this new iPhone hack? appeared first on Marie Claire.

Marie Claire

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Economic forum ends without joint communique

For the first time in its 25-year history, the Asia-Pacific Economic Cooperation summit ended with its leaders failing to agree on a formal joint statement. CNN’s Ivan Watson reports.


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How is Uber valued at billions of dollars without being profitable?

Dear John: How is it that Uber is valued at billions of dollars yet continues to lose millions? All they care about is sales. They get investors’ money, and their executives make insane money, and all the while the company isn’t profitable! I don’t get it. I thought when you run a company the focus…
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A world without brick-and-mortar stores? Even avid online shoppers say, ‘no, thanks’

The majority of consumers, even those who prefer online shopping, think the extinction of brick-and-mortar stores would be bad for society, according to a new study that explores consumers’ perceptions of today’s transforming retail environment.
Consumer Behavior News — ScienceDaily

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Draymond Green reportedly told Kevin Durant: ‘We don’t need you. We won without you. Leave’

Draymond Green got into an argument with Kevin Durant so feisty, it caused a Warriors player to predict Durant will now leave Golden State in free agency next summer. Green blurted to Durant something along the lines of, “We don’t need you. When Green and Durant bickered last year in a similar, though less heated, incident, it was claimed Green was using “reverse psychology” to motivate Durant.

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These Are Some of the Most Beloved Heroes and Villains You’d Never Know Without Stan Lee

In the wake of reports that Stan Lee passed away at the age of 95 on Monday, fans are mourning the loss of the legendary Marvel Comics creator.

Lee, who made cameos in a number of the Marvel Cinematic Universe movies, is credited with creating some of the most popular comic book superheroes and villains of all time, including Spider-Man, the X-Men and the Incredible Hulk.

“I think everybody loves things that are bigger than life. … I think of them as fairy tales for grown-ups,” he told The Associated Press in a 2006 interview. “We all grew up with giants and ogres and witches. Well, you get a little bit older and you’re too old to read fairy tales. But I don’t think you ever outgrow your love for those kind of things, things that are bigger than life and magical and very imaginative.”

The true origin stories of some superheroes aren’t always clear. But without Stan Lee, the world of heroes and villains would be a lot smaller.

Here are some of the most beloved heroes and villains you’d never know if it wasn’t for Stan Lee.

Heroes created by Stan Lee

• Ant-Man
• Ancient One
• Avengers
• Beast
• Black Panther
• Black Widow
• Captain Marvel
• Cyclops
• Daredevil
• Doctor Strange
• Fantastic Four
• Groot
• Hawkeye
• Hulk
• Human Torch
• Iceman
• Invisible Woman
• Iron Man
• Jean Grey
• Mister Fantastic
• Nick Fury
• Professor X
• Quicksilver
• Scarlet Witch
• Spider-Man
• Thing
• Thor
• Wasp
• X-Men

Villains created by Stan Lee

• Doctor Doom
• Doctor Octopus
• Green Goblin
• Kaecilius
• Kingpin
• Loki
• Magneto
• Sandman
• Vulture
• Whiplash


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Giant baby born to mom without pain relief

Whoa, baby!

If any mom deserves a push present, it’s this one.

Sydney, Australia mother Nikki Bell gave birth to a 12-pound, 6-ounce boy named Parker last Thursday without the help of pain relievers. The big bundle of joy’s weight was a record-breaker at Blacktown Hospital, according to its midwife…

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‘Today’ show hosts embrace a ‘new chapter’ without Megyn Kelly

The “Today” show is moving past Megyn.

The first episode of the NBC talk show since Megyn Kelly was officially given the boot last week aired Monday with Craig Melvin, Hoda Kotb and Al Roker sitting front and center.

The trio filled in for the 9 a.m. hour, which belonged to Kelly until she was…

/entertainment – New York Daily News

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3 million common procedures in England could become ‘life threatening’ without antibiotics

Over 3 million surgeries and cancer treatments could become deadly in England without working antibiotics, Public Health England said.


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‘The Conners’ will be just fine without Roseanne Barr

As it turns out, the Conners don’t need a matriarch after all.

The series premiere of ABC’s “The Conners,” which would have been the start of a second season of the “Roseanne” revival if not for Roseanne Barr’s racist outburst, took just a few minutes to kill off its star before moving on Tuesday…

/entertainment – New York Daily News

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

White man found guilty of assault after firing at lost black teen; A look back at Florida’s first responders after Hurricane Michael
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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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Without Safety Net Of Kids Or Spouse, ‘Elder Orphans’ Need Fearless Fallback Plan

It was a memorable place to have an “aha” moment about aging.

Peter Sperry had taken his 82-year-old father, who’d had a stroke and used a wheelchair, to Disney World. Just after they’d made their way through the Pirates of the Caribbean ride, nature called. Sperry took his father to the bathroom where, with difficulty, he changed the older man’s diaper.

“It came to me then: There isn’t going to be anyone to do this for me when I’m his age, and I needed to plan ahead,” said Sperry, now 61, recalling the experience several years ago.

Sperry never married, has no children and lives alone.

Like other “elder orphans” (older people without a spouse or children on whom they can depend) and “solo agers” (older adults without children, living alone), he’s expecting to move through later life without the safety net of a spouse, a son or a daughter who will step up to provide practical, physical and emotional support over time.

About 22 percent of older adults in the U.S. fall into this category or are at risk of doing so in the future, according to a 2016 study.

“This is an often overlooked, poorly understood group that needs more attention from the medical community,” said Dr. Maria Carney, the study’s lead author and chief of the division of geriatrics and palliative medicine at Northwell Health in N.Y. It’s also an especially vulnerable group, according to a recently released survey of 500 people who belong to the Elder Orphan Facebook Group, with 8,500 members.

Notably, 70 percent of survey respondents said they hadn’t identified a caregiver who would help if they became ill or disabled, while 35 percent said they didn’t have “friends or family to help them cope with life’s challenges.”

“What strikes me is how many of these elder orphans are woefully unprepared for aging,” said Carney, who reviewed the survey at my request.

Financial insecurity and health concerns are common among the survey respondents: a non-random sample consisting mostly of women in their 60s and 70s, most of them divorced or widowed and college-educated.

One-quarter of the group said they feared losing their housing; 23 percent reported not having enough money to meet basic needs at least once over the past year; 31 percent said they weren’t secure about their financial future.

In the survey, 40 percent of people admitted to depression; 37 percent, to anxiety. More than half (52 percent) confessed to being lonely.

Carol Marak, 67, who runs the Facebook group, understands members’ insecurities better than ever since suffering an accident several weeks ago. She cut her finger badly on a meat grinder while making chicken salad for dinner guests. Divorced and childless, Marak lives alone in an apartment tower in Dallas. She walked down the hall and asked neighbors — a married couple — to take her to the emergency room.

“I freaked out — and this wasn’t even that big of a deal,” Marak said. “Imagine people like me who break a hip and have a long period of disability and recovery,” she said. “What are they supposed to do?”

Sperry has thought a lot about who could be his caregiver down that road in a circumstance like that. No one fits the bill.

“It’s not like I don’t have family or friends: It’s just that the people who you can count on have to be specific types of family and friends,” he said. “Your sister or brother, they may be willing to help but not able to if they’re old themselves. Your nieces and nephews, they may be able, but they probably are not going to be willing.”

The solution Sperry thinks might work: moving to a continuing care retirement community with different levels of care when he begins to become less independent.  That’s an expensive proposition — entry fees range from about $ 100,000 to $ 400,000 and monthly fees from about $ 2,000 to $ 4,000.

Sperry, a longtime government employee, can afford it, but many people aging alone can’t.

Sperry also has a short-term plan: He wants to retire next year and relocate from Woodbridge, Va., to Greenville, S.C. — a popular retirement haven — in a home with design features to help him age in place. Those plans could be upended, however, if his widowed mother in Pennsylvania requires extra care.

In the meantime, Sperry is resolved to be pragmatic. “Do I look at my situation and say ‘Gee, there’s not going to be anyone there for me’ and start feeling sorry for myself? Or do I say ‘Gee, I’d better figure out how I’m going to take care of myself?’ I’m not going with pity — I don’t think that would be very pleasant,” he said.

Planning for challenges that can arise with advancing age is essential for people who go it alone, advised Sara Zeff Geber, a retirement coach and author of “Essential Retirement Planning for Solo Agers: A Retirement and Aging Roadmap for Single and Childless Adults.” A good way to start is to think about things that adult children do for older parents and consider how you’re going to do all of that yourself or with outside assistance, she said. In her book, Geber lists the responsibilities that adult children frequently take on: They serve as caregivers, help older parents figure out where to live, provide emotional and practical support, assist with financial issues such as managing money, and agree to serve as health care or legal decision-makers when a parent becomes incapacitated. Also, older parents often rely on adult children for regular social contact and a sense of connectedness.

In New York, Wendl Kornfeld, 69, began running year-long workshops for small groups of solo agers four years ago. Though married, she and her 80-year-old husband consider themselves future solo agers living together. “We figured out a long time ago one of us was going to survive the other,” she said.

At those gatherings, Kornfeld asked people to jettison denial about aging and imagine the absolute worst things that might happen to them, physically and socially. Then, people talked about how they might prepare for those eventualities.

“The whole purpose of these get-togethers was to be fearless, face issues head-on and not keep our heads in the sand,” Kornfeld said. “Then, we can plan for what might happen, stop worrying and start enjoying the best years of our lives.”

Kornfeld took her program to New York City’s Temple Emanu-El three years ago and is working with several synagogues and churches interested in launching similar initiatives. Meanwhile, elder orphans have begun meeting in-person in other cities, including Chicago; Dallas; Portland, Ore.; San Diego; and Seattle, after getting to know each other virtually on the Elder Orphan Facebook Group.

Kornfeld applauds that development. “So many solo agers identify as being introverted or shy or impatient with other people. They have a million reasons why they don’t go out,” she said. “I tell people, this may be hard for you, but you’ve got to leave the house because that’s where the world is.”


KHN’s coverage related to aging and improving care of older adults is supported in part by The John A. Hartford Foundation.

Kaiser Health News

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