Amber Rose is Securing the Bag, Earning $2 Million A Year Off Instagram Alone

Amber Rose, the 35-year-old stripper-turned-model, claims that she nets about $ 2 million from posting on Instagram. Born Amber Levonchuck, the bi-racial beauty boasts 18.8 million followers on Instagram, where she frequently flaunts beauty, fashion, and diet products. And it turns out that these sponsored posts are helping her rake in major coins.

During an interview on The Red Pill podcast, host Van Lathan asked Rose how much she earns on the social media site. “Probably like $ 2 million a year, just off Instagram,” she said. “There’s girls that make more than $ 2 million a year, I make $ 2 million on Instagram a year.” Rose explained that she generates revenue through “all of her endorsement deals,” which have included companies like online retailer Fashion Nova and controversial weight loss products like BoomBod and Flat Tummy tea.

In response, Lathan joked that “a ni–a went to college and bought into that bulls–t, and Amber’s making $ 2 million off Instagram. Wow!”


Rose also opened up in the interview about her tough upbringing in Philadelphia, revealing that she initially started selling drugs as a means of survival before she began stripping as a teen.

“I usually don’t tell people this, but I tried selling crack in my neighborhood,” Rose confessed. “They said I was gonna get robbed, I was a girl and I was too pretty, and it wasn’t going to happen,” she said. “So what I did, I would bag it up for them, I would weigh it and bag up the crack rocks for them. And they would throw me some money.”

According to BankRate.com, Rose has amassed a $ 12 million net worth throughout her career as an author, media personality, music artist, and a former model signed with Ford Models. She also launched her own emoji app that reportedly earned $ 4 million in 2016. She gained her claim to fame as a video vixen and by dating Kanye West from 2008 to 2010.

In 2016, Rose appeared on ABC’s Dancing With The Stars and became the ambassador for the SlutWalk, an annual women’s empowerment march to combat rape culture. That same year, she has teamed up with Zoobe, a character voice-messaging app that creates 3D characters.

Watch Rose’s interview on The Red Pill below. Her remarks about her Instagram endorsements start around the 1:20:00 mark.



The post Amber Rose is Securing the Bag, Earning $ 2 Million A Year Off Instagram Alone appeared first on Black Enterprise.

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Killings of transgender people in the US saw another high year

For decades, every year she’s been active in the transgender community, Isa Noyola has attended a funeral for a friend.


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Your HelloGiggles horoscope, January 13th to January 19th: Be patient—the year has only just begun

Your HelloGiggles horoscope, January 13th to January 19th: Be patient—the year has only just begun


Your HelloGiggles horoscope, January 13th to January 19th: Be patient—the year has only just begun

We’re in the last week of steady, reliable Capricorn before we zoom off into the territory of those forward-thinking madcap scientists, otherwise known as Aquarius. So use this week to keep working towards your goals. The key is consistency. No matter what the weather’s like outside, the mountain goat keeps climbing that mountain.

Jupiter square Neptune on the 13th forces us to get real about our dreams, which might mean creating a daily discipline to make the most out of our artistic visions. Sticking with a routine will help you to maximize results with minimum time. Remember: even incremental actions can add up to awesome breakthroughs. Writing a paragraph, taking a 30-minute YouTube dance class, reciting lines on the subway—these are all small things that can ultimately lead you where you want to go. No matter what social media might have us believe, there are no shortcuts when it comes to making dreams come true. It takes practice, steadfastness, and 10,000 hours. Focus on what you want and keep at it. Jupiter square Neptune will also shatter any idealized illusions we might be holding onto when it comes to a project or a relationship. Don’t be afraid to let go of something that is no longer working for you. Or maybe you just need to put in the time to make your desire a reality.

Here’s what else the stars have in store for you in your weekly horoscope.

CAPRICORN

Your vision of how you want your life to look has changed, Capricorn. That’s okay. Change is good. Not everything has to go according to plan. Allow yourself to move in a radically different direction. Adventure beckons; answer the text.

 

AQUARIUS

Focus will help you determine which direction to go, Aquarius. You tend to get distracted by the next great idea, but this will only lead you towards chaos and you’re more about calm this year. Pick one. You can’t get it wrong.

 

PISCES

Clarity is one of your most basic tenets, Pisces. It helps your head stay above water. But sometimes the Universe, and humans, aren’t very cooperative with what you want. Which is why you need to give yourself clarity. You already know the answer.

 

ARIES

Cut yourself a break, Aries. It’s only January and you’re already thinking that you’re behind. Take a load off. Get yourself off the subject of what you’re desperate to achieve, and live a little. Life happens when we’re busy making other plans.

 

TAURUS

You might be stuck in the comparison game, Taurus. That is no bueno. You already have everything you need. If you can’t see that, then it’s time to make a list of your most amazing qualities and achievements. You were born for greatness. Remember that.

 

GEMINI

You’re ready for take-off, Gemini. Whether it’s a literal journey or a new venture, you’re ready for transformation and change. Be careful that your busy mind doesn’t forget the details that this entails, including contracts and the feelings of others.

 

CANCER

You’re longing for closeness, Cancer. While you enjoy your independence and isolation, you’re feeling lonely. Allow yourself to be vulnerable. Maybe that’s reaching out to friends or going on a dating app. It’s okay to say you need people.

 

LEO

This is the perfect time to get a sense of what you want for the rest of the year, Leo. Where do you want to go? Which projects do you want to work on? How do you want your relationships to feel? Knowing what you want will help get you where you want to go.

 

VIRGO

You’re all business this week, Virgo. Organizing and planning are things that bring you joy. You don’t need Marie Kondo. But you might need a little fun in your life. Because when we relax a little, we allow new things to enter our lives. Get a little messy.

 

SCORPIO

Your energy is a little heavy this week, Scorpio. You’re identifying what brings you the most peace and what doesn’t. You might be thinking of turning your life upside down. Do what you do best: investigate, research, and meditate until you feel lighter.

 

SAGITTARIUS

You’re in the middle of a whirlwind, Sagittarius. While it’s easy to cast blame, if you take a step back, you’ll see that everything you’re experiencing is a result of your thoughts and actions. Take responsibility and see how things change for you.

 

We’re still getting the hang of this year, bbs. So be gentle and patient with yourselves, and keep working towards your biggest dreams. We’ve still got 11 more months to make them happen!

The post Your HelloGiggles horoscope, January 13th to January 19th: Be patient—the year has only just begun appeared first on HelloGiggles.

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What we’re waiting to learn about President Trump’s health one year after his first physical

President Donald Trump, the oldest President elected in US history at the age of 70, underwent his first presidential physical last January. He used it as an opportunity to quiet critics who questioned both his physical health and mental acumen.


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Biotech stocks are off to the best start of the year since 2012 on heels of J.P. Morgan conference

Two new deals to the start the year and positive trial presentations at the J.P. Morgan Health Care conference, have breathed new life into some of last year's biggest stock losers.
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Health Care Industry Spends $30B A Year Pushing Its Wares, From Drugs To Stem Cell Treatment

Hoping to earn its share of the $ 3.5 trillion health care market, the medical industry is pouring more money than ever into advertising its products — from high-priced prescriptions to do-it-yourself genetic tests and unapproved stem cell treatments.

Spending on health care marketing doubled from 1997 to 2016, soaring to at least $ 30 billion a year, according to a study published Tuesday in JAMA.

“Marketing drives more testing. It drives more treatments. It’s a big part of why health care is so expensive, because it’s the fancy, high-tech stuff things that get marketed,” said Steven Woloshin, co-director of the Center for Medicine and Media at The Dartmouth Institute for Health Policy and Clinical Practice. His study captured only a portion of the many ways that drug companies, hospitals and labs promote themselves.

Advertising doesn’t just persuade people to pick one brand over another, said Woloshin. Sophisticated campaigns make people worry about diseases they don’t have and ask for drugs or exams they don’t need.

Consumer advocates say that taxpayers pay the real price, as seductive ads persuade doctors and patients alike to order pricey tests and brand-name pills.

“Whenever pharma or a hospital spends money on advertising, we the patients pay for it — through higher prices for drugs and hospital services,” said Shannon Brownlee, senior vice president of the Lown Institute, a Brookline, Mass., nonprofit that advocates for affordable care. “Marketing is built into the cost of care.”

High costs ultimately affect everyone, because they prompt insurance plans to raise premiums, said Diana Zuckerman, president of the National Center for Health Research, a nonprofit that provides medical information to consumers. And taxpayers foot the bill for publicly funded insurance programs, such as Medicare.

“These ads can be amazingly persuasive, and they can exploit desperate patients and family members,” said Zuckerman, who was not involved in the new study.

Drug companies spend the bulk of their money trying to influence doctors, showering them with free food, drinks and speaking fees, as well as paying for them to travel to conferences, according to the study.

Dr. Lisa Schwartz and Dr. Steven Woloshin(Courtesy of the Dartmouth Institute for Health Policy & Clinical Practice)

Yet marketers also increasingly target consumers, said Woloshin, who wrote the study with his wife and longtime research partner, Dartmouth’s Dr. Lisa Schwartz, who died of cancer in November.

The biggest increase in medical marketing over the past 20 years was in “direct-to-consumer” advertising, including the TV commercials that exhort viewers to “ask your doctor” about a particular drug. Spending on such ads jumped from $ 2.1 billion in 1997 to nearly $ 10 billion in 2016, according to the study.

A spokeswoman for the pharmaceutical industry group, PhRMA, said that its ads provide “scientifically accurate information to patients.” These ads “increase awareness of the benefits and risks of new medicines and encourage appropriate use of medicines,” said Holly Campbell, of PhRMA.

The makers of genetic tests — including those that allow people to learn their ancestry or disease risk —also bombard the public with advertising. The number of ads for genetic testing grew from 14,100 in 1997 to 255,300 in 2016, at a cost that year of $ 82.6 million, according to the study. AncestryDNA spends more than any other company of its kind, devoting $ 38 million to marketing in 2016 alone.

Some companies are touting stem cell treatments that haven’t been approved by federal regulators. The Food and Drug Administration has approved stem cell therapy for only a few specific uses — such as bone marrow transplants for people with leukemia. But hundreds of clinics claim to use these cells taken from umbilical cord blood to treat disease. Many patients have no idea that these stem cell therapies are unapproved, said Angie Botto-van Bemden, director of osteoarthritis programs at the Arthritis Foundation.

Stem cell clinics have boosted their marketing from $ 900,000 in 2012 to $ 11.3 million in 2016, according to the study.

In recent months, the FDA has issued warnings to clinics marketing unapproved stem cell therapies. Twelve patients have been hospitalized for serious infections after receiving stem cell injections, according to the Centers for Disease Control and Prevention.

Medical advertising today goes beyond TV and radio commercials. Some online campaigns encourage patients to diagnose themselves, Woloshin said.

The website for Restasis, which treats dry eyes, prompts patients to take a quiz to learn if they need the prescription eye drops, said Woloshin, who co-wrote a February study with Schwartz on the drug’s marketing strategy. The Restasis website also allows patients to “find an eye doctor near you.”

Many of the doctors included in the Restasis directory have taken gifts from its manufacturer, Allergan, Woloshin said. The doctor directory includes seven of the top 10 physicians paid by the company, his study says.

In a statement, Allergan spokeswoman Amy Rose said the company uses direct-to-consumer advertising “to support responsible disease awareness efforts.” The ads “do not displace the patient-physician relationship, but enhance them, helping to create well-informed and empowered consumer and patient communities.”

Drug sites don’t just lead patients to doctors. They also provide scripts for suggested conversations. For example, the website for Viagra, which treats erectile dysfunction, provides specific questions for patients to ask.

The website for Addyi, often called the “female Viagra,” goes even further. Patients who answer a number of medical questions online are offered a 10- to 15-minute phone consultation about the drug for $ 49. Patients who don’t immediately book an appointment receive an email reminder a few minutes later.

“This is more evidence,” Brownlee said, “that drug companies are not run by dummies.”

Kaiser Health News

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Three Feminist Reasons I’ll Be Grateful This Year

I aspire to start every day with gratitude. In spite of a year of natural disturbances and disasters, deepening political divides and disappointments and worsening humanitarian crises in so many parts of the world, I strive to find at least three specific reasons to give gratitude each day. Every day on that list is gratitude for a loving life partner, a healthy and loving family and lasting friendships. This week, as 2018 ends and 2019 begins, I am adding three organizations that fill my heart with gratitude every day.

Pat Mitchell speaking at the 2018 Judicia Digital Learning Center graduation in November.

As all my friends and family know well, I find my time on the African continent to be restorative in so many ways. I am especially inspired by the good work that is visibly and measurably creating new opportunities for many communities left behind or left out of the digital economy created by new technologies. The Good Work Foundation (GWF) is addressing this challenge in rural South Africa by establishing digital learning centers and partnering with corporations to create new jobs in the region.

GWF CEO, Kate Groch, reminded the graduates to believe in themselves.

Earlier this month, I had the honor to speak to the graduates of the 2018 computer competency course at the Judicia Digital Learning Center, one of seven in the Kruger Park area where the nearby game preserves and safari camp owners are providing the funding for a complete ecosystem of learning and working that is shaping a new kind of future for individuals, families and communities.

Founded and led by Kate Groch—an energetic, dedicated teacher who realized the limitations of the government schools in reaching this population with needed skill training, the centers now offer self-guided curriculums, specifically targeting job opportunities in the region, serving more than 6,000 learners of all ages every week, transforming the future for rural South Africans.

Graduates, Pat and her grandchildren celebrating after the graduation ceremony.

At this graduation, nearly 100 young people—80 percent of them women—accepted diplomas as their parents, overwhelmed with gratitude that their children would now have opportunities for economically viable work and careers, looked on with great pride. Parents and grandparents danced, sang and celebrated—and took pictures with me and my grandchildren, who loved being a part of this special day. Gratitude to the Varty family of Londolozi, founding partners of GWF; Luke Bailes, Singita chairman; and Kate, Ryan and the entire team for this experience.

Each day I’m in South Africa or Kenya or Congo, I reflect on the privilege I’ve had to participate in the work of the V-Day movement to end violence against women and girls. 2018 marked the 20th anniversary of the founding of V-Day by Eve Ensler and, rather than diminishing in strength and impact, V-Day’s 20th year activities reflect the ever evolving power of art and activism, led locally and connected globally to a singular commitment to rising up against gender-based violence.

As a V-Day board member since the beginning, I have witnessed the changes made by V-Day supported activists working to end female genital mutilation (FGM) in Kenya, provide healing and training for the victims of the conflict in Eastern Congo and come together in 200 countries as part of V-Day’s One Billion Rising to challenge cultural practices and demand important reforms.

V-Day board members Pat Mitchell and Carole Black, with V-Day founder Eve Ensler and Agnes Pareyo, Masai activist and anti-FGM leader.

This year began with the release of My Revolution Lives In This Body, which has been shown at V-Day gatherings around the world and a special V20 edition of The Vagina Monologues available for activists anywhere to perform on V-Day (Valentine’s Day). More performances than ever took place this year, adding to the $ 150 million already raised by this one play to support anti-violence activists.

The CITY OF JOY documentary also had a worldwide release as a Netflix original—and our beloved friend, V-Man and co-founder of City of Joy, Dr. Denis Mukwege, received the Nobel Peace Prize, along with our Yazidi sister-activist Nadia Murad. It was a defining moment for the anti-gender-based-violence movement.

These are only just some of this year’s highlights that make me ever more grateful to Eve and the global sisterhood I give gratitude for every day.

I’m also grateful for the work of Jacqueline Novogratz and Acumen, a nonprofit working to change the way the world tackles poverty. Investing in social enterprises that offer products and services to serve the poor, the Acumen Fund leads the impact investing movement with its patient capital approach, a unique fellows program and an online moral leadership course. Acumen is disrupting the status quo by nurturing and strengthening values-based leaders and innovative and courageous entrepreneurs.

Just this past month, Acumen launched #OneGreatIdea, a new video series that tells the stories of three such entrepreneurs and their enterprises that are creating real, lasting impact. The challenges we face today, from extreme inequality to climate change, demand new solutions.

#OneGreatIdea can redefine what’s possible.

At a gathering last March of the global Acumen community of fellows and entrepreneurs, one of them stopped me on the first day and asked: “Why are you here?” I was startled by his inquiry, but answered that I was an Acumen board member and was eager for the opportunity to meet the people doing the work on the ground in Kenya, India, Pakistan and Ghana. He smiled and asked his question again.

Why are you here? I realized he wasn’t asking why I was at that convening—he wanted to know why someone whom he probably viewed as a privileged older white woman was involved in this work. I answered: “I’m here for the same reason you are. To be engaged in the work that is making the world a better place for everyone.” He smiled at my answer, hopefully believing that it came from my heart, where I have held his question throughout the weeks and months that followed.

Why am I here—or anywhere, doing anything—if the reason isn’t engaging in good work, showing up with support when possible and using every platform to raise awareness of the good work being led by extraordinary individuals and supported by deeply committed people and to express gratitude for all of that?

One of my favorite quotes is from the British writer Gilbert Chesterton: “Thanks are the highest form of thought and gratitude is happiness doubled by wonder.” My happiness is indeed doubled by the wonder-filled work that is creating change for individuals, communities and the small and fragile world we all share.

Originally published on Pat Mitchell’s blog. Republished with author permission.

Pat Mitchell is known for her leadership in the media industry as a CEO, producer and curator. She partners with the TED organization to co-curate and host an annual global TEDWomen conference and is the chair of theWomen’s Media Center and Sundance Institute boards, a founding board member of V-Day, a member of the board of the Acumen Fund and a member of the Council on Foreign Relations. The first woman president and CEO of PBS, she most recently served as president and CEO of the Paley Center for Media; she is now a senior adviser to the organization. She is also the former president of CNN Productions, where she executive produced hundreds of hours of documentaries and specials, which received 35 Emmy Awards and five Peabody Awards. She was inducted into the Broadcasting and Cable Hall of Fame in 2009.

The post Three Feminist Reasons I’ll Be Grateful This Year appeared first on Ms. Magazine Blog.

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Vinyl and Cassette Sales Continued to Grow Last Year

Albums sold on vinyl and cassette both saw a growth in sales according to BuzzAngle Music’s End-Year Report profiling U.S. music industry consumption for 2018.

Vinyl sales grew by just shy of 12% from 8.6 to 9.7 million sales, while cassette sales grew by almost 19% from 99,400 to 118,200 copies sold in the US, The Verge reported.

Sixty-six percent of those vinyl sales were of albums that are more than three years old and feature classic bands like The Beatles, Fleetwood Mac, and Pink Floyd, reported BuzzAngle. Cassettes saw popularity in newer releases.

CDs on the other hand have declined by 18.5% in popularity leading to a total decline in physical album sales of over 15%, reported The Verge. Meanwhile, audio streaming saw an increase of 41.8%, the largest of all music consumption.

In addition to millennials reviving the vinyl industry, the sales are seeing another trend: musical diversity. Rolling Stone reported that while 65% of vinyl album sales fell into the rock genre three years ago, that figure was 54% in 2017 and 42% in 2018–meaning the bulk of vinyl albums last year were actually in categories like pop (26%) and urban/hip-hop (14.4%).

These were the 20 top-selling vinyl albums of 2018, according to BuzzAngle, as pointed out by Rolling Stone:

  1. Guardians of the Galaxy: Awesome Mix Vol. 1 (Various Artists)
  2. Thriller (Michael Jackson)
  3. Abbey Road (The Beatles)
  4. Rumours (Fleetwood Mac)
  5. Purple Rain (Prince & The Revolution)
  6. Back to Black (Amy Winehouse)
  7. Love Is Here to Stay (Tony Bennett & Diana Krall)
  8. Greatest Hits I (Queen)
  9. The Dark Side of the Moon (Pink Floyd)
  10. Legend (Bob Marley & The Wailers)
  11. American Teen (Khalid)
  12. The Greatest Showman: Original Soundtrack (Various Artists)
  13. Chronicle – 20 Greatest Hits (Creedence Clearwater Revival)
  14. Divide (Ed Sheeran)
  15. Nevermind (Nirvana)
  16. Man of the Woods (Justin Timberlake)
  17. DAMN. (Kendrick Lamar)
  18. Sgt. Pepper’s Lonely Hearts Band (The Beatles)
  19. Ultimate Sinatra (Frank Sinatra)
  20. good kid, m.A.A.d city (Kendrick Lamar)

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VIDEO: Glenn Close Offers Insight on SUNSET BOULEVARD Film, Saying ‘We Hope to Start Shooting This Year’

A film adaptation of Sunset Boulevard has been teased for quite some time, with Glenn Close reprising her role of Norma. Now, Close has confirmed to Variety that ‘they hope to start shooting this year.’
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How Taking out a Loan Could Actually Help You Get out of Debt This Year

If you popped the cork to ring in 2019 but still have some nagging debt hanging around, chances are you made a mental note of it in your New Year’s resolutions. This is the Year of the Pig on the Chinese zodiac calendar, and that stands for “luck, overall good fortune, wealth, honesty, general prosperity.” Sounds good, right?

Now is the time to make a plan to wipe out your debt before the next trip around the sun. If you are carrying balances on several credit cards, you are likely paying interest up to or even over 20%. Ouch.

Other types of debt, like medical bills, payday loans or anything else may also come with high interest and annoying collection calls.

When you try to pay down multiple bills that are charging interest, your payments can get spread too thin and you may not really be making much progress.

It’s time to consolidate and conquer.

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

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

Yes, the terms are 24 to 84 months, but with only one payment and a much lower interest rate, you might be able to make better payments and much faster progress towards paying that debt down.

Get free of bad debt and ready to make the Year of the Pig your best year yet. By the time the ball drops to welcome in 2020, you’ll really be bringing home the bacon.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. He likes bad puns and won’t apologize for it. He also likes bacon. Catch him on Twitter at @Tyomoth.

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

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

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12 public college presidents get paid more than $1 million a year

Over the past several years, the pay of public college presidents has ticked up, with the leaders of 12 public college systems earning more than $ 1 million in total compensation during the 2016-17 academic year, according to the Chronicle of Higher Education. But a new study suggests taxpayers may not be getting their money’s worth….
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January New Moon 2019: Partial Solar Eclipse, Meteor Shower Frame 1st New Moon of the Year

During the first new moon of 2019, a dark “moonless” sky will please meteor watchers hoping to catch a glimpse of the Quadrantids. Although the moon won’t be visible at night, skywatchers in Asia can see it by day as it eclipses the sun.
Space.com

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Manhattan real estate closes 2018 as worst year since the financial crisis

The number of home sales in Manhattan fell 14 percent in 2018, the steepest drop since 2009, according to new data. The median price for an apartment in New York City fell below $ 1 million for the first time in three years in the fourth quarter.
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The best-performing sector last year could be the top bet for 2019, technician says

Health-care stocks did not just survive a volatile 2018. They thrived. One technician looks ahead to what this year could bring.
Health and Science

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The Enduring Legacy of Frank Miller’s ‘Batman: Year One’

Questionable directorial ventures aside (he directed a poorly received version of Will Eisner’s comic book, The Spiritand the big-screen follow-up to Sin City), nobody can dispute the huge mark left by legendary writer Frank Miller on the world of pop culture. Not only did he bring Marvel’s Daredevil back from the brink when he created Elektra, and go on to define his noir style of comic-book storytelling through series such as Sin City, The Spirit, and Ronin, but he is also the man largely responsible for transforming DC’s Caped Crusader into the stoic, Kevin Conroy-voiced defender that’s become so iconic today.

You see, throughout the 1950s and 1960s, Batman had started to drift away from stark vigilantism into more colourful territory. It wasn’t until 1986 that he finally returned to his darker, more serious roots in Frank Miller’s The Dark Knight Returns, a four-issue miniseries. Centring on an alternate-universe Batman who is much older and closer to losing his sense of honour and morality, this grim tale proved so successful that one year later, Frank Miller treated readers to another run — one that is now considered a classic.

Batman: Year One is the story that soft-rebooted the world’s greatest detective for a whole new generation of comic book fans. Many were familiar with the events of Crime Alley and Bruce Wayne’s general reasons for donning the cowl, sure — but we were yet to see those early, difficult years of his career as Batman. Miller wanted to take the character in a new, grounded direction. This gritty tone has proven so influential, it continues to inspire the Batman mythos across multiple media today.

The Dark Knight Trilogy – the Gordon/Batman Relationship


You could almost rename Nolan’s first movie ‘Bromance Begins’.

Part of what made Batman: Year One so revolutionary was Frank Miller’s decision to explore Batman’s beginnings in parallel to James Gordon‘s origins. A relocated detective who’s yet to become the police commissioner dedicated to uprooting the city’s deeply ingrained crime epidemic, Jim Gordon’s bond with Wayne develops across a period of 12 months as the duo learns that Gotham needs a special kind of approach if it is to be saved.

This dynamic is central to Christopher Nolan’s entire Dark Knight trilogy, but is perhaps most prevalent in 2005’s Batman Begins. Screenwriter David S. Goyer lifted the story of Bruce Wayne’s long absence from Gotham following his parents’ death directly from Batman: Year One, allowing the film to explore just how corrupt the police force becomes during this time. The eye-to-eye relationship between Gordon and Batman subtly bubbles to the surface as the fearsome twosome begin their crusade against crime. It comes to fruition during the emotional conclusion of The Dark Knight Riseswhere Gordon’s influence on Batman in his pursuit of justice is deliberately and calculatedly reinforced.

Batman: Zero Year – Vigilantism in the Early Years


Scott Snyder’s Zero Year featured a younger Batman that looked and moved differently than ever before.

Scott Snyder’s tenure writing Batman – epically brought to life by Greg Capullo’s illustrative efforts – is full of memorable storylines and deconstructs the character’s history. How do you follow up the game-changing Court of Owls storyline, though? Seemingly, by doing as Frank Miller did, and going back to the time when The Dark Knight was first starting out. Zero Year is a clear nod to Year One’s title and treatment of Batman. This 2013 comic book arc has since replaced Year One as Batman’s in-continuity origin, but respectfully so by flipping specific elements on their heads.

Spread across three specific segments in Secret City, Dark City, and Savage City, Batman: Zero Year follows the Caped Crusader during his time without the cape – where he was more ‘rough and tumble’ in his fight against ground-level criminals like the Red Hood gang and a pre-riddle obsessed Edward Nygma. Contradictory to Miller’s original series, however, is how Gotham itself is depicted. Far from the dank, gothic structures we’re so used to seeing in Batman media, in Zero Year, Capullo envisions it as a bright and vibrant metropolis worth saving.

From here we get to see plenty of quiet, introspective moments in which Bruce is forced — convincingly — to consider the risks in taking up the Batman mantle, as well as come to terms with the trauma of his parents’ death for the first time since his return to Gotham. Zero Year is a smart retelling of the Batman origin story that heightens almost every event that happens thereafter. So much so that certain elements are set to be adapted for the forthcoming fifth season of Gotham.

Batman: Arkham Origins – First Encounters with Notable Villains


Arkham Origins let Batman wreak havoc on enemies who were unaware he existed.

Faced with the tough task of developing a follow-up to Rocksteady’s acclaimed 2011 video game Batman: Arkham City, the new team at WB Games Montreal saw the sense in going back to Batman’s early timeline to progress the series. Set several years prior to the events of the original Batman: Arkham Asylum, the aptly named Arkham Origins was proposed as a “year two” game that would centre on The Dark Knight’s early days, acting almost as a companion piece to Batman: Year One, despite being set in the game-specific Arkham-verse continuity.

Batman: Arkham Origins never directly references Frank Miller’s run, but its presence is most definitely felt; whether it’s in the initial mistrust between Batman and James Gordon, or how it uses the opportunity to depict Batman’s first interactions with some of the most celebrated comic book villains in Bane, Deathstroke, and The Joker. The developers also took the chance to shed light on some of the lesser-known members of the Bat’s rogues’ gallery, those that would never dare get the chance to shine on the big screen — like Firefly, Copperhead, and Black Mask.

While certainly capable of thwarting the eight assassins chasing him down for the bounty placed on his head throughout the game’s main campaign, Arkham Origins’ younger, inexperienced, and slightly more vulnerable Batman can be traced back to Frank Miller’s classic comic book tale.

5 Times Dystopian TV and Film Fiction Became Real-Life Dystopian Fact

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US stocks suffer worst year since 2008 financial crisis

Yes, stocks do go down sometimes. After the sugar high of 2016 and 2017 — that saw the S&P 500 gain 9.5 percent and 19.4 percent, respectively — Wall Streeters tasted more bitter than sweet in 2018 amid historic volatility. The Dow Jones industrial average shed 5.6 percent during the roller-coaster year, which saw it…
Business | New York Post

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Happy New Year 2019!

Happy New Year from ALL of us at the Willie Moore, Jr. Show  to ALL of you! Hoping your 2019 is positive, productive, prayed up and peaceful. Thanks for your support in 2018!

PHOTO: Public Domain

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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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Scouted: How to Really Get Organized Next Year

We don’t realize how important it is to stay organized until our lives has completely fallen apart because we can’t find the remote. In 2019, let’s all make it our priority to keep it together both at home and at the office. Seriously, it’ll make basic everyday tasks infinitely easier.

Home, Clean Home

Sleep Tight and Tidy

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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Vintage baby names that are making a comeback this year

These are SO adorable

regretted baby names

When it comes to baby names, there are so many things to think about – do you choose something with sentimental value? Or go for a moniker that will be popular in the next ten years? Or do you opt for a name on the ‘most likely to become a millionaire’ list?

More and more people are choosing traditional names, and if you like old fashioned baby names then these vintage monikers will be all the name-spiration you need.

Baby naming website Nameberry has compiled a list of names that were popular back in 1918, but which haven’t been in the top 1,000 names in recent years. They’ve then predicted that they’ll see a surge in popularity as parents try to find more unusual names for the little ones.

Would you pick any of these?

Vintage girl’s names:

  1. Agatha
  2. Alpha
  3. Althea
  4. Augusta
  5. Avis
  6. Bernadette
  7. Beryl
  8. Bessie
  9. Birdie
  10. Carmella
  11. Cleo
  12. Delia
  13. Dixie
  14. Effie
  15. Etta
  16. Fay
  17. Geneva
  18. Gertie
  19. Ida
  20. Inez
  21. Ione
  22. Iva
  23. Lelia
  24. Loretta
  25. Lorna
  26. Lottie
  27. Louella
  28. Lucinda
  29. Lula
  30. Lulu
  31. Mamie
  32. Maude
  33. Merle
  34. Minerva
  35. Minnie
  36. Muriel
  37. Myrtle
  38. Odessa
  39. Olga
  40. Opal
  41. Pauline
  42. Philomena
  43. Polly
  44. Rosalind
  45. Rosella
  46. Roxie
  47. Sibyl
  48. Theda
  49. Winifred
  50. Yolanda

Vintage boy’s names:

  1. Abe
  2. Alphonse
  3. Ambrose
  4. Archie
  5. Barney
  6. Benedict
  7. Booker
  8. Burl
  9. Cecil
  10. Chester
  11. Claude
  12. Clement
  13. Cleveland
  14. Cornelius
  15. Dale
  16. Dewey
  17. Dorsey
  18. Doyle
  19. Dudley
  20. Edmund
  21. Ferdinand
  22. Floyd
  23. Forest
  24. Garland
  25. Grover
  26. Hiram
  27. Homer
  28. Isadore
  29. Kermit
  30. Lemuel
  31. Lowell
  32. Lucius
  33. Luther
  34. Ned
  35. Noble
  36. Norris
  37. Ollie
  38. Perry
  39. Pete
  40. Roscoe
  41. Rufus
  42. Sol
  43. Stuart
  44. Thaddeus
  45. Ulysses
  46. Vito
  47. Waldo
  48. Wallace
  49. Ward
  50. Wiley

Would you use any of these adorable monikers?

We love them all, tbh.

The post Vintage baby names that are making a comeback this year appeared first on Marie Claire.

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Cook, Thomas and Southgate honoured in UK New Year list

Britain has recognized its sporting stars in the Queen’s New Year’s honors list with a knighthood for cricketer Alastair Cook, and awards for Tour de France winner Geraint Thomas, England soccer boss Gareth Southgate and his captain Harry Kane.
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Christopher Bailey, Twiggy Among Fashion Names in Queen’s New Year Honors List

IN THE SPOTLIGHT: Queen Elizabeth II has handed honors to a clutch of names in the arts and fashion worlds as part of her New Year’s Honors List 2019. Honorees will receive their awards at Buckingham Palace at various times over the next few months.
Christopher Bailey is among this year’s honorees. Bailey, who served as Burberry’s president and chief creative officer until March, and who had previously been chief executive officer, will receive a CBE, or Commander of the Most Excellent Order of the British Empire, for his work at the British brand.
This is Bailey’s second royal accolade: He already holds an MBE, or Master of the Most Excellent Order of the British Empire, which he received in 2009.
Twiggy has also been recognized by the British monarch. The model and Andy Warhol muse whose pixie cut defined the fashion of the Sixties, will be named Dame Commander of the Most Excellent Order of the British Empire.

TWIGGY LEAVING LONDON AIRPORT FOR NEW YORK WHERE SHE WILL DO PHOTOGRAPHIC MODELLING – 20 MARCH, 1967<br />VARIOUS 
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Daphne Selfe, Britain’s oldest working model at 90 years old, is being honored for creating opportunities for older women in the modeling industry. She will receive a British

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Year In Review: Our Top Wear-it-To-Work Recommendations in 2018

wear-it-to-work recommendations in 2018

Every weekday here at Corporette®, I offer one suggestion for an item that I would wear to work. Sometimes readers love the item, and wow do you guys hate it sometimes. Sometimes *I* love it, sometimes it was just the best I could find given the restraints (for those who haven’t noticed, Monday and Tuesday tend to be pricier items, Wednesday is in the $ 100-$ 150 price range, Thursday is in the $ 50-$ 100 price range, and Friday is in the “under $ 50” range.) Still, as the end of the year approaches I thought I’d look back over the past year and choose my personal favorites from the things I recommended… each picture is from one month, starting with January in the upper left-hand corner. Please note that anything marked with an asterisk is still available! (Oh: and please feel free to use this post as an open thread today!)

What were your favorite things you bought to wear to work in 2018, ladies? Did we include your favorites from our recommendations for what to wear to work in today’s roundup?what to wear to work in 2017 - favorite work outfit recommendations

wear-it-to-work recommendations in 2018 work outfits

Above: January / February / March

wear-it-to-work recommendations 2018 business casual

Above:  April*  / May* / June* (the orangeish dress is on major sale, the red top has a TON of colors down to $ 22, and the sweater jacket has colors on sale as well!)

wear-it-to-work recommendations 2018 conservative office

Above: July / August* /  September* (the gray dress is on major sale, and the pink blazer has other colors down to $ 55)

wear-it-to-work recommendations 2018 lawyer fashion

Above: October* / November* / December* (all still available and lots of sizes left!)

 

If you’re curious, here are links to the similar roundups from 201720162015201420132012, and 2010.

The post Year In Review: Our Top Wear-it-To-Work Recommendations in 2018 appeared first on Corporette.com.

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Cost to walk away from Facebook for a year? More than $1,000, new study finds

Using a series of auctions in which people were paid to close their accounts for as little as one day or as long as one year, a new study finds that Facebook users would require an average of more than $ 1,000 to deactivate their account for one year.
Consumer Behavior News — ScienceDaily

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Netflix’s CEO and content chief will each get $31.5M next year

Netflix is treating its top brass to some fat pay packages — including big chunks of the streaming giant’s surging shares. Chief Executive Reed Hastings and Chief Content Officer Ted Sarandos — Netflix’s two most visible executives — will each get $ 31.5 million next year, according to a company filing on Friday. For Hastings, all…
Business | New York Post

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A Neuroscientist’s Tips For A New Year Tuneup For Your Brain

An image of the brain's neural network against a black background

Unlike the effervescent bubbles that stream to the top of champagne flutes on New Year’s Eve, what I call brain bubbles are far from celebratory. These bubbles are metaphorical rather than physical, and they distort the stream of reality processed by our brains. Like a real estate bubble that reflects an inflated perception of home values, a brain bubble twists your perception of the world around you. And when either of these bubbles bursts, the results can be devastating.

Problems arise when distorted information results in flawed decisions that negatively affect our lives. As a neuroscientist who’s worked closely with laboratory rats for over three decades, I’ve gleaned from them a few good strategies people can use to burst brain bubbles and enhance well-being in the year ahead. Rat brains are small but have the same general areas and neurochemicals we have, so these rodents are valuable laboratory models for human behavior.

Getting back down to Earth

Psychoactive drug use, aspects of privilege and poverty, psychiatric illness and, in some cases, religious and political beliefs can all create brain bubbles. Even daily excursions to the virtual world of apps, social media and cybergames sever our connections to concrete aspects of the real world and let distorting brain bubbles develop.

This is especially problematic for children’s brains that are still developing. An ongoing National Institutes of Health study suggests that two hours of screen time each day distorts language and thinking abilities in these junior digital users.

As our attention is hijacked by the closest screen while a Roomba cleans the floor and Alexa orders pizza to be delivered to the front door, what’s left for our brains to do? Sure, we likely face cognitive challenges at work each day, but human brains are built for sophisticated and complex activity – even though we’re often lulled into mindlessly scrolling through a virtual feed. In fact, a brain area often associated with reward and pleasure, the nucleus accumbens, is smaller in people who spend more time checking Facebook posts on their smartphones.

Obviously, some of these distortion-generating circumstances are out of our control. But a heightened awareness of our authentic world can move us toward a more reality-based, well-grounded brain – free of those brain bubbles.

The rats that my students and I train in our studies to physically work for coveted treats (Froot Loops cereal is a favorite) develop healthier emotional responses than the animals we call “trust-fund rats” because they’re merely given their sweet rewards. The harder-working rats have healthier stress hormone levels and engage in more sophisticated search strategies when they encounter a surprise challenge – such as when we move their expected Froot Loop rewards. They’re more persistent as they spend time trying to solve the problem, rather than quickly giving up and walking away.

So whereas one popular New Year’s resolution involves saving up to build financial capital, we can keep our brains in peak condition for the year ahead by building up experiential capital. Real-world experiences represent the best currency for our brain circuits, providing neural security for our future decisions in the coming year. Spending time engaged in hobbiessuch as knitting or gardening, for example, with complex movements and rich sensory experiences, provides a valuable yield for our brains.

Savor the anticipation

When the calendar flips to a new year, it’s common to reflect on the past and look to the future. According to the neuroscience literature, this anticipation could be one of the most pleasurable – and healthy – tasks our brains engage in all year long.

Dopamine is the poster neurotransmitter for the cognitive endeavor of anticipating. Traditionally known for its role in pleasure, this neurochemical system can be hijacked by psychoactive drugs such as cocaine that serve as potent creators of reality-distorting brain bubbles.

Rodent research provides fascinating insights here, however. Researchers use sophisticated techniques to measure dopamine activity as rats press laboratory levers that reward them with drugs. Surprisingly, this neurochemical system surges when the animal merely anticipates taking the drug as it approaches the drug lever, as well as when the drug is actually infused into the brain.

Anticipating a new start and a new year may be a scaled-down version of approaching the experimental lever for a hit of cocaine – a legal and healthy dopamine dose in this case. You can try to keep this emotional high going through the year by amping up the anticipation in your daily life: Focus more on delayed than immediate gratification. Buying and planning for experiences is more satisfying than material purchases. Mapping out a menu, shopping for ingredients and cooking a meal provides more dopamine time – and brain-engaging behaviors – than nuking a frozen meal and eating it three minutes later.

Seize the reins of your stress

Another way to enhance our well-being through the year is to gain some sense of control over the stress in our lives. Real-time and authentic interactions with the environment can help us gain a sense of control over the inevitable uncertainty and unpredictability we face each day.

I see evidence of this in the lab. When I furnish my rats’ housing with natural elements such as dirt, hollowed-out logs and rocks, they’re busier and less likely to sit around the edge of the cage than animals in boring empty cages. After building their experiential capital, these enriched rats have healthier stress and resilience hormone profiles and engage in bolder behaviors, such as diving to the bottom of swim tanks instead of staying on the top doing their best impression of a dog paddle. As I watch these animals in various tasks, they appear to be gaining control over the challenges they encounter.

Perhaps this is why retired U.S. four-star admiral William McRaven emphasized simple life strategies in his 2014 University of Texas commencement speech, declaring that “if you want to change your life and maybe the world, start off by making your bed.” Then, even if you have a terrible day, you will come home to a made bed, evidence that you had a positive impact in at least one area of your life that day.

And, considering that over 70 percent of the brain’s nerve cells are in the cerebellum, which is involved in movement coordination, any activity that gets us up and moving – whether household chores or hitting the gym – engages the brain in healthy ways.

Starting your brain’s year off right

Lessons from the laboratory rats also provide potential explanations for some of my own personal favorite New Year’s Day traditions – including the mundane tasks of cooking a familiar southern meal, cleaning my closet and watching HGTV’s Dream House giveaway with my family while we all declare what we would do if we won the beautiful house. Move in? Sell it? Make it an Airbnb rental?

Thinking like a neuroscientist, I know that cooking and cleaning are active endeavors with clear outcomes that allow me to gain a small sense of control, decreasing stress hormones. Playfully anticipating winning a new home taps into that feel-good dopamine system as we contemplate more serious options for the new year. And, perhaps the best neurochemical hit of all is the spike in oxytocin, the neurochemical involved in positive social connections, as I spend time with loved ones.

Although it’s common to turn to pharmaceuticals to lift our emotions and improve our mental health, the emotional benefits of many New Year’s traditions remind me that basic responses can serve as what I call “behaviorceuticals” that enhance well-being. New Year’s resolutions may take the form of New Year’s Rx’s as we consider healthy lifestyle choices for the coming year: Shrink those distorting brain bubbles and build realistic connections to enrich life’s simple pleasures.

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Barack Obama Named Most Admired Man For 11th Straight Year

Despite leaving office nearly two years ago, former President Barack Obama was named the most admired man for the eleventh consecutive year in a new Gallup poll. The poll showed 19 percent of Americans named Obama as the man they admire most, followed by President Donald Trump at 13 percent.
RTT – Top Story

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All About the Couple Who Dressed Beyoncé for Isha Ambani’s Indian Wedding of the Year

via Instagram

On Monday, while the rest of us were frantically digging through the Anthropologie sale section to find a dress boring enough for our office Christmas parties, Beyoncé did as Beyoncé does.

The singer put on a gilded, jeweled bodysuit and matching thigh-high boots to perform at the lavish Indian wedding of heiress Isha Ambani and her billionaire fiancé Anand Piramal.

The costume came courtesy of Falguni and Shane Peacock. The Mumbai-based husband-wife duo are known for dramatic, figure-hugging designs that can be sequined, feathered, fringed, embellished, or all of the above.

Read more at The Daily Beast.

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2019 could be a rocky year for TV reboots, the Oscars and more

This year will be remembered as the one that took out Les Moonves, Megyn Kelly, Roseanne Barr, Clayne Crawford of “Lethal Weapon” and TJ Miller of “Silicon Valley,” among others. As we look to 2019, we’re sure to see new blowhards and public nuisances whose antics will no longer be tolerated as networks continue to…
Entertainment | New York Post

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Scouted: What To Spend Your Gift Cards On This Year

Some people say that gift cards are a copt out when it comes to gifts. I say it’s as good as money, if you’re smart about it. Yes, there are services that can exchange a gift card into cash, but if you have a certain amount of money to spend at a place you actually shop, it’s a great way to offload everyday costs of things you need, but may not have been giftable.

Here are a few ideas of what to spend your gift cards on, from everyday items like toiletries and knives, to furniture and TVs.

$ 25-$ 50

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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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Trump’s year of chaos in 2018 promises yet another

Throughout 2018, President Donald Trump turned the White House and America into a source of instability, unpredictability and disruption.


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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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Insured But Still In Debt: 5 Jobs Pulling In $100K A Year No Match For Medical Bills

Robert and Tiffany Cano of San Tan Valley, Ariz., have a new marriage, a new house and a 10-month-old son, Brody, who is delighted by his ability to blow raspberries.

They also have a stack of medical bills that threatens to undermine it all.

In the months since their sturdy, brown-eyed boy was born, the Canos have acquired more than $ 12,000 in medical debt — so much that they need a spreadsheet to track what they owe to hospitals and doctors.

“I’m on these payment arrangements that are killing us,” said Tiffany Cano, 37, who has spent her lunch hours on the phone negotiating payoff plans that now total $ 700 a month. “My husband is working four jobs. I work full time. We’re a hardworking family doing our best and not getting anywhere.”

The pair, who earn nearly $ 100,000 a year, are insured and have had no major illnesses or injuries. Still, the Canos are among the 1 in 4 Americans who report in multiple polls that the high cost of health care is the biggest concern facing their families. And they’re at risk of joining the 62 percent of people who file for bankruptcy tied to medical bills.

“Oh, yes, that worry is always in the back of my mind,” Tiffany said.

The family is part of a struggling group: middle-class folks who have followed the rules and paid for employer-based medical insurance, only to find that soaring health care costs — combined with high deductibles, high copayments and surprise medical bills — leave them vulnerable.

“I thought we’d be covered, and it’s just not enough coverage at all,” she said.

Robert Cano, also 37, had family health insurance for 2018 through his job as a manager at a large-chain retail store, for which he pays nearly $ 500 per month. The plan’s $ 3,000 annual deductible and 40 percent coinsurance fees have added up faster than the Canos anticipated.

First came the nearly $ 4,000 bill from the in-network hospital where Brody was born Jan. 2, followed by separate fees from the anesthesiologist and the doctor who performed the routine delivery. Then, at 2 months, Brody was hospitalized with breathing problems doctors said could be related to allergies or asthma. In May, Tiffany came down with a stomach virus that sent her to the emergency room for drugs to treat nausea and dehydration. In October, the baby developed a bad case of bacterial conjunctivitis, or pinkeye.

“It’s been, like, $ 300 here, $ 700 there,” said Tiffany. “We had a hospital bill for him being sick of, like, $ 1,800.” Unable initially to find a pediatrician she liked, Tiffany has agonized over whether to use the ER when Brody gets sick. When he had pinkeye, she debated whether to take him in, hoping it would get better on its own.

Then he got worse, she said, pulling up a photo on her phone of her son with half-moons of red, puffy flesh under his dark eyes.

“I let him suffer for a day like that,” she said.

The Canos lost their first child, a girl, midway through her pregnancy in 2016. Tiffany acknowledges that experience has left her more anxious than the average first-time mom.

“It gave me so much fear that something would happen to him,” she said.

As for their own health care needs, the couple put themselves lower on the priority list. Tiffany has used a prosthetic limb since childhood, when her lower left leg was amputated because of a birth defect.

She needs a new prosthesis because her body changed during pregnancy, but she can’t see how to afford it.

Tiffany Cano with her son, Brody. Cano was born with birth defects that left her with only three fingers on her right hand and a left leg that had to be amputated below the knee during childhood. Because of physical changes during pregnancy, her five-year-old prosthetic leg no longer fits, but she can’t afford her share of the cost of the new limb.

A model suitable for the busy life of a working mom would easily cost $ 10,000 to $ 15,000, according to Tom Fise, executive director of the American Orthotic & Prosthetic Association.

“I try to push through,” Tiffany said. “I put on that brave face of just walking, but it’s so painful to walk. I have bruises all over my leg. I get blisters all the time.” Lately, she’s been wearing an old prosthesis, one she used in high school, because it’s more comfortable.

The Canos don’t know how exactly they fell into such debt, since they tried hard to make responsible decisions. After meeting three years ago, they knew quickly that they wanted to marry and have a family.

“I waited until I found the right guy,” said Tiffany, who was thrilled when, in 2016, they were able to afford a 2,500-square-foot, two-story home in one of the stucco-and-tile neighborhoods an hour outside Phoenix.

But, taken together, the medical payment plans and premiums are almost as much as their $ 1,300 monthly mortgage. All told, the Canos spend about 15 percent of their annual income on health care, almost three times the average for non-Medicare households in the U.S.

That leaves too little for day care, car payments, gas, food and dozens of other domestic expenses, Tiffany said.

For 17 years, Robert Cano had comprehensive health insurance through his job as a soldier in the Army Reserve and paid little or nothing for medical care. He left the Army in 2017, however, after he learned he would be deployed for an extended time away from his wife and new son.

“I told them, ‘I have to be at home,’” he recalled. The Army insurance ended on Dec. 31, 2017, two days before Brody was born.

That meant moving to his employer’s insurance plan. Like more than 40 percent of 152 million Americans who get health insurance through work, the Canos are enrolled in a plan that demands thousands of dollars before any coverage kicks in.

The couple discovered that they earn too much to qualify for financial assistance from medical providers, or for subsidies if they shifted their insurance to a plan under the federal health insurance exchange. She is a full-time bank compliance officer. He is a full-time store manager.

Tiffany wrote to KHN after seeing stories about sky-high medical bills on TV. Dr. Merrit Quarum, the chief executive of WellRithms, a health care consulting firm, reviewed the family’s medical bills and the responses from their health care providers.

Though Quarum had questions about some of the fees in the itemized bills — $ 4 for a 600-milligram ibuprofen tablet? $ 3,125 to place an epidural? — he found the charges were legitimate under the terms of the contract between the hospital and the Canos’ insurer. Tiffany’s only recourse was to set up the five payment plans she navigates each month.

“I wish I could say it wasn’t so, but it is,” Quarum said.

Robert Cano plays with his 10-month-old son, Brody, before leaving for work on a recent Saturday morning.(Heidi de Marco/KHN)

Robert Cano of San Tan Valley, Ariz., gets ready for work on Oct. 20, 2018. He estimates he works up to 120 hours a week, mostly to cover the extra costs of his family’s health care. In addition to his retail job, he is a substitute teacher and a nighttime security guard, and delivers sandwiches for a fast-food chain.(Heidi de Marco/KHN)

Tiffany Cano feeds 10-month-old Brody on Oct. 20, 2018. She works 40 hours a week at a local bank as a compliance officer, commuting more than 90 minutes each way, while Brody attends a local day care center. Because her husband works so much, she says, she often feels as if she’s raising their son alone.(Heidi de Marco/KHN)

Mostly to pay off that health care debt, Robert has taken several part-time gigs this year — he works as a substitute teacher and a nighttime security guard and delivers sandwiches for a fast-food chain in Scottsdale, 40 miles away, where tips are better. He said he sometimes works up to 120 hours in a week.

“I’m not ashamed or embarrassed, even as old as I am, to deliver sandwiches,” he said, pulling on his retail chain polo shirt before rushing to a Saturday morning shift.

He continued: “I know people, they’d rather get food stamps and feel sorry for themselves. But I’m a fighter. I will not give up. … If I can bring in an extra $ 400 a week or $ 800 a month, she can get what she needs for the baby.”

Often getting home after midnight, he keeps shampoo and shaving cream in his car and naps in parking lots between jobs, relying on Red Bull and aspirin to stay alert.

That means on many nights, when Tiffany picks up Brody from day care after her 90-minute commute, she handles most of the chores at home.

“Sometimes I feel like a single mom because my husband is never around,” she said.

She carefully tracks the family’s medical expenses, trying to juggle them with ordinary outlays that can’t wait — like $ 500 for the brakes that went out on her car this month.

At the rate they’re going, the bills won’t be paid until Brody is 3, Tiffany said. The Canos are getting older and they’d like to have another baby before it’s too late, but, for now, that seems impossible.

For 2019, the couple have decided to switch to a different plan offered through the regional bank where Tiffany works. The premium is higher — $ 650 a month — but the deductible is $ 1,500 with just 10 percent coinsurance.

“It is going to be a lot more per paycheck, which is going to hurt us,” Tiffany said. “But after what just happened, I want to make sure we are prepared in case anything does occur.”

How to fix a health care system that burdens middle-class families so heavily is beyond her, she said.

“The only thing we can do is just keep working,” Tiffany said. “I always wonder: How does everybody else do it?”


KHN’s coverage of children’s health care issues is supported in part by the Heising-Simons Foundation.

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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.

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The most satisfying entertainment of the year

It was a strong year for both movies and television. But rather than a conventional “best” list, recognizing the “most satisfying” films and programs felt like a more organic way to pay homage to projects that delivered on their promise or exceeded expectations. It’s also a way of thinning out deserving entries — especially among returning series — that might have simply met them.


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The 5 Most Overrated Movies of the Year: ‘BlacKkKlansman,’ ‘Vice’ and More

Photo Illustration by The Daily Beast

Look, 2018 was a great year for movies.

It was a year where Emma Stone and Rachel Weisz duked it out for a horny queen with a thing for rabbits; a CGI bear in a cute red hat warmed out hearts; world-savers were finally more diverse; 99 people in a room didn’t believe in Lady Gaga but one thankfully did; a twenty-something stand-up opened our eyes to Generation Instagram; and Nicolas Cage proved why he’s one of the most compelling actors around. Oh, and fucking Roma.

But there were also plenty of times where we felt the critical consensus had led us astray, and now that we’re in the throes of awards season, and everyone and their mother is cranking out year-end lists, it’s time to highlight some of the films that, in this writer’s humble opinion, have been way overpraised.

Read more at The Daily Beast.

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The Year 2018: Drama in politics

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

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Christmas 2018 TV highlights – What’s on BBC, ITV and Channel 4 over Xmas and the New Year?

CHRISTMAS TV highlights in store for 2018 will certainly keep you entertained this festive season.

Here’s a round-up of all the things you can watch on BBC, ITV and Channel 4.

Call the Midwife will be back with another Christmas Special

What’s on TV this Christmas?

Here’s what’s in store for you on the box this festive season.

From drama to reality TV, comedy and more…

BBC

Click and Collect

BBC One – December 24 at 9pm

Click and Collect stars Stephen Merchant and tells the story of two men motoring across the country on Christmas Eve, driving each other crazy along the way, to pick up a toy that will make one girl’s Christmas dreams come true.

John Malkovich takes on the lead role in The ABC Murders
© Charlie Gray 2018

Zog

BBC One – Christmas Day at 4.50pm 

The animated special is a one-off and will last for half an hour. The special is based on Zog, a character written by The Gruffalo creators Julia Donaldson and Axel Scheffler.

Strictly Come Dancing Christmas Special 

BBC One – Christmas Day at 5.30pm

Six celebs return to dance it out for this festive edition of the hit show.

Mrs Brown’s Boys Christmas Special

BBC One – Chrismas Day at 10.15pm

Brendan O’Carroll will be back with his festive offering of his hit TV show. Father Damian has organised a Christmas decoration contest and Agnes is keen to enter.

Call The Midwife

BBC One – Christmas Day at 7.45pm

The hit show returns for its annual festive offering. The full plot is being kept a secret but we do know that Sister Mildred (played by Miriam Margolyes) arrives unexpectedly at Nonnatus House with four Chinese orphans.

Luther and all his problems are returning to telly for a fifth season on the BBC this Christmas

The Midnight Gang

BBC One – Boxing Day at 7.30pm

David Walliams returns with another of his books being adapted for the BBC. Posh boarding school lad Tom embarks on the journey of a lifetime after waking up on the kids’ ward at Lord Funt Hospital.

The ABC Murders

BBC One – Boxing Day, December 27 and 28 at 9pm

The ABC Murders is based on the classic 1936 Agatha Christie novel. John Malkovich takes on the lead role of Hercule Poirot who must unmask a serial killer.

Dominic West will star as Jean Val Jean
Dominic West stars in Les Miserables this Christmas
BBC

Take That: We’ve Come A Long Way

BBC One – December 28 at 7pm 

To celebrate 30 years in the charts, Take That and Us will feature fans from all over the country and beyond sharing their stories of how the most successful boy band in UK chart history touched their lives – and in some cases, changed their world completely.

Les Miserables

BBC One – December 30 at 9pm

The six-part adaptation has been produced by Andrew Davies, the man behind BBC’s War and Peace.

Though it may not be on the scale of Hooper’s 2012 production, the BBC has lined up a number of stars to take on the leads in its version of Les Mis, including Dominic West and Olivia Coleman.

New BBC series The Long Song will be screened over Christmas

Doctor Who

BBC One  – New Year’s Day at 7pm

Doctor Who fans won’t have their usual Christmas Day fix this year, instead it will be on New Year’s Day.

Luther

BBC One – January 1, 2, 3, 4 at 9pm

The hotly anticipated fifth series of Luther starring Idris Elba will kick off on New Year’s Day.

A teaser trailer put out by the BBC in early November showed the detective facing a gruesome interrogation at the hands of George. However Luther turns the tables on his captors in typically stylish fashion.

Strictly Come Dancing Christmas Special returns in 2018
BBC

ITV

Bad Move Christmas Special

ITV – December 24 at 8.30pm

Jack Dee and Kerry Godliman return for the special. The married couple face more struggles after escaping the city.

Left to right: Paul Hollywood, Sandi Toksvig, Noel Fielding and Prue Leith from Great British Bake Off
Get ready for the festive edition of The Great British Bake Off
Channel 4

Torvill and Dean

ITV – Christmas Day at 9.15pm 

Anita Dobson and Stephen Tompkinson star in this biopic piece about Jayne Torvill and Christopher Dean.


Channel 4

Bake Off Christmas Special

Channel 4 – Christmas Day at 8pm

Prue Leith and Paul Hollywood will be back for a yummy festive edition of the show.

The Inbetweeners: Fwends Reunited

Channel 4 – New Year’s Day at 9pm

Simon Bird, James Buckley, Joe Thomas, and Blake Harrison are back for a Christmas special to mark the show’s tenth anniversary. The documentary will feature special guests and unseen footage.

 

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

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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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Before wrapping up this roller coaster year, test how much you remember (even if you’d rather forget).

Entertainment 1. What movie made the most dough in the U.S. this year without featuring superheroes? A. “Jurassic World: Fallen Kingdom” B. “Mission: Impossible – Fallout” C. “Solo: A Star Wars Story” 2. Which Drake song inspired the year’s biggest viral dance challenge? A. “God’s Plan” B. “Nice for What” C. “In My Feelings” 3….
Entertainment | New York Post

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Government partially shuts down for third time in a year after Congress adjourns for the night

While negotiations continue in Congress to reach a deal to avert a partial government shutdown, there is virtually no chance a vote will happen Friday night — all but assuring there will be a government shutdown at midnight.


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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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2019 make-up trends: 6 beauty brains predict the biggest looks for next year

Make-up is getting a shake-up…

2019 makeup trends

A new year is fast approaching, so naturally 2019 make-up trends is the buzzword on everyone’s lips right now.

Love them or loathe them, beauty trends have a pretty big impact on the world of make-up. So even if you don’t follow the crowd, you can expect the below trends to filter into drugstores and beauty counters all all over the world next year.

With all that in mind, we decided to grill some of our favourite beauty brains to get their thoughts on what the most popular 2019 make-up trends will be.

Intrigued? Keep reading to find out their guesses (and when you’re done here, check out our experts’ 2019 hair trends predictions too).

Charlotte Tilbury, Brand Founder and Pro MUA

2019 make-up trends Charlotte Tilbury

Goddess Skin

‘Gorgeous, glowing skin is never not on trend, but next year it’s all about goddess spa-cleansed skin; think of that “just-stepped-out-of-a-facial” feeling with a replenished, restored and refreshed complexion. I’ve always believed that the key to a beautiful painting lies within creating a beautiful canvas, and that taking care of your skin with every day rituals is essential.

‘I have created a NEW miracle ‘spa-in-a-jar’ duo so everyone can double cleanse with the supernatural powers of a goddess, for perfect spa-cleansed skin at home! My Goddess Skin Ritual is all about bringing those backstage secrets to everyone in an educational, easy cleansing ritual with innovative, hard-working super- natural ingredients. First comes the citrus oil, second comes the charcoal – then it’s fresh, glowing, clean skin with a sparkle!’

Charlotte’s Goddess Cleansing Ritual launches in the UK on 26th December

Amy Conway, Bobbi Brown Senior PRO Artist

2019 make-up trends Amy Conway

The Sun-Kissed Sweep

‘A gorgeous new take on bronzer application as we move away from the heavy contoured cheekbones and into a healthier-looking bronze skin! This is the kind of trend that we love because it’s super wearable, easy to do and instantly makes us look more youthful.

‘The sun-kissed sweep is achieved by taking a matte bronzer across the cheeks and nose, focusing on the apple of the cheeks as opposed to the cheekbones. Then layer a cream highlighter on top to create that candle light glow.’

Read more about the best bronzers money can buy next.

Cher Webb, Pro MUA

2019 make-up trends

Pastel Eyes vs a Strong Lip

‘I can see an influx of colour coming onto the make-up scene for SS19. I predict a pastel palette for the eye and strong lip with not much else, just gorgeous balmy skin and natural groomed brows. 2018 was an experimental year for make-up and lots of colour was introduced, not only on the runway but also for everyday women. It’s less of a thing now to wear colour instead of neutrals, though I love how the jewel-toned shades of emerald for the eye have become a major trend on social media!

‘Next year will we will be following on from this with a beautiful makeup colour story… I see an array of fresh rosy pinks, mint pastel greens and baby yellow for the eye. My favourite look would be a pink glaze on the eye with a velvet matte oxblood lip. Divine!’

Caroline Barnes, Max Factor UK Ambassador

2019 make-up trends Caroline Barnes

Colour Clash

‘Just like the red lip trend took at least a couple of years before all your friends and colleagues adopted the look, the same goes for colour. Many of us have been sporting a neutral style make-up for a while now and bright, bold tones have been edging their way into our make-up bags but only as statement, one-off color blocking.

‘Next year color clash make-up will be a big trend. Think bright orange-based reds matched with soft blended lilac eyes, or peppermint liner matched with diffused sugar pink cheek and lips. The combinations are endless but, most importantly, colour is back with a splash and must be enjoyed to the max – with absolutely no age limits.’

Thea Green, Nails Inc Founder

Gen-Z Yellow

‘We’re hugely backing Gen Z Yellow as the colour for SS19. Bright, happy and zesty, whilst the millennial pink fatigue has really set in, this colour feels fresh and current for the new season.

‘We’re introducing a highly pigmented, sunshine yellow nail paired with a unique pigment bubble jelly shot for a hint of this trend. Our Gen Z nail colour works for every skin tone and is already the favourite nail shade of the entire Nails inc office for next season.’

Fancy a yellow mani over the holidays? Read all about the best nail salons in London here.

Claire Mulleady, MAC Global Senior Artist

Colour as an Accessory

‘Viewing make-up elements as an accessory is the way to approach vibrant colour for SS19. Colour works so well when it stands on its own so keeping the skin clean and fresh is key to pulling it off. M·A·C Chromalines (£17) are an easy to paint formula that allows you to express whatever you’re feeling. Become your own artist and mix them together for any colour on the spectrum.

‘It’s about being empowered through colour so choose your hue according to your mood, whether it’s a calming pastel or energy driven primary colour. Give the look a modern lived in feel through smudging, blurring and applying your colours with fingers. Play it bold and keep it bright.’

Which of these 2019 makeup trends is your favourite? Let us know on social at @marieclaireuk

The post 2019 make-up trends: 6 beauty brains predict the biggest looks for next year appeared first on Marie Claire.

Marie Claire

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Fed Raises Interest Rates But Forecasts Fewer Rate Hikes Next Year

In a widely expected move, the Federal Reserve announced its decision to raise interest rates by a quarter point on Wednesday. The central bank said its Federal Open Market Committee decided to raise the target range for the federal funds rate by 25 basis points to 2.25 percent to 2.50 percent.
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Stocks Tumble To Lowest Levels In Over A Year After Rate Hike – U.S. Commentary

Stocks saw typically post-Federal Reserve decision volatility in afternoon trading on Wednesday before ending the session sharply lower. With the steep drop late in the day, the major averages finished the session at their lowest closing levels in over a year.
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Victoria Beckham Lost $13 Million This Year. Here’s How She’ll Bounce Back.

Photo Illustration by Kelly Caminero/The Daily Beast

Victoria Beckham’s current ready-to-wear collection is full of girl power. Not the skin-tight, leopard-print, Scrunchie-d girl power that reigned during her spicy youth, but the clean, straight lines of Pantsuit Nation.

While the former Posh may be doin’ it for herself, her luxury fashion label could use some help. On Monday, it was reported that Beckham’s eponymous line of clothing, accessories, and eyewear lost $ 12.9 million in 2018. (Representatives for the brand did not respond to The Daily Beast’s request for comment.)

The news comes after the line celebrated a decade in the industry, where Beckham has long been a fashion darling. Her label now boasts two brick-and-mortar stores, and is sold in 400 stockists in 50 countries. Top-tier department stores such as Neiman Marcus, Barney, and Moda Operandi carry VB.

Read more at The Daily Beast.

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The busiest day for holiday returns won’t come after Christmas this year, UPS says

For the first time ever, UPS has forecast the busiest day for returns to be Dec. 19. Typically, the busiest day for returns falls on Jan. 3.
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The Year Of The Vape: Teen E-Cigarette Use Spikes

New data suggest that vaping isn’t a passing fad: Teenagers across the country are doing it in record numbers.

More than one-third — or 37.3 percent — of 12th-graders reported vaping at least once in the past 12 months, according to a survey released Monday by the National Institute on Drug Abuse. That’s an increase of nearly 10 percentage points over 2017, when 27.8 percent of high school seniors reported vaping.

The students surveyed said they had vaped nicotine, marijuana or simply flavoring. Researchers say it’s unclear whether teens know what’s in their vape, and that some may be misguided about vaping only “flavoring.”

The findings are “a remarkable wake-up call for public health officials, and for parents and communities who are responsible for raising healthy children,” said Dr. Wilson Compton, the deputy director of the institute, which funded the survey.

The data also showed that the number of high school seniors who reported vaping nicotine within the previous 30 days nearly doubled from 11 percent in 2017 to 20.9 percent this year.

E-cigarettes, also known as vapes, are battery-operated devices that heat nicotine-laced liquid to generate an aerosol that users inhale. The liquids come in kid-friendly flavors — from watermelon to the more exotic “unicorn puke” — that release fruity and sweet vapors, making e-cigs easier to disguise than traditional cigarettes.

While the vape industry insists that its products are only for — and advertised to — adults, teens can easily get their hands on them.

Health experts fear that the high nicotine content of vaping liquids can be extremely addictive for teenagers and ultimately lead them to traditional cigarettes. Nicotine is known to raise blood pressure and has been linked to heart disease.

“We know that nicotine affects brain development,” said Stanton Glantz, a professor of medicine and director of the Center for Tobacco Control Research and Education at University of California-San Francisco who was not involved in this study.

The heated e-liquids, he added, “tear up your lungs.”

Researchers at the University of Michigan in Ann Arbor, who conducted the annual survey, asked 44,482 students from 392 private and public schools across the country about their use of tobacco, opioids, marijuana and alcohol.

They found that the use of traditional cigarettes is still at a record low, with 3.6 percent of high school seniors smoking daily, compared with 22.4 percent two decades ago. Teenage opioid use is also decreasing: 3.4 percent of seniors reported using prescription opioids in 2018, down from 4.2 percent in 2017 — and significantly lower than its peak of 9.5 percent in 2004.

Alcohol use and binge drinking also continue to decline among teens, according to the survey.

Vaping is the outlier.

The steady decline in teens’ use of other drugs makes the growth in vaping all the more concerning, Compton said. “It’s really important that we keep an eye on this.”

In response to this trend, hundreds of cities, towns and counties across the country are restricting the sale of flavored tobacco products, including vape liquids. California legislators recently introduced proposals to ban the sale of such products in stores and vending machines statewide, and to make it harder to buy them online.

The vape craze exploded when the Juul, an electronic cigarette brand with a sleek design resembling a flash drive, started popping up on school campuses. Students even take hits from their Juuls in class or school restrooms.

In vapes like the Juul, nicotine comes in “pods” or cartridges in flavors such as mango, cucumber and crème. Other e-cigarettes use “e-juice” or nicotine liquids that not only come in appealing flavors but are often packaged to look like candy.

“Our intent was never to have youth use Juul products,” said company spokesman Ted Kwong. Juul has taken steps to reduce teenage vaping, he said, such as ending the sales of certain flavored pods at retail stores starting last month, strengthening the age verification process on its website and eliminating its Facebook and Instagram accounts.

The restrictions proposed by the state legislature follow San Francisco’s ban on the sale of flavored tobacco products, including vaping liquids and menthol cigarettes, which took effect in July.

Twenty-four other California counties or cities have restricted the sale of these products, according to the Campaign for Tobacco-Free Kids. In Massachusetts, 136 communities have restrictions on the sales of flavored tobacco. In Minnesota, nine communities do. Chicago bans sales of flavored tobacco products within 500 feet of schools.

California state Sen. Jerry Hill (D-San Mateo), lead author of the state bills, said his proposals would curb the “epidemic proportion” of vaping among teens.

“This is something that requires immediate action to protect our youth,” Hill said.


KHN’s coverage of these topics is supported by
California Health Care Foundation
and
Heising-Simons Foundation

This story was produced by Kaiser Health News, which publishes California Healthline, a service of the California Health Care Foundation.

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New year brings altered landscape for abortion battle

Those engaged in the battle over abortion in the United States are looking out at the thorny landscape and gearing up for what is on the horizon in 2019.


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Shoppers spent a record $30 billion on Alibaba for Singles Day this year

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Never underestimate the power of single people buying themselves stuff. 

Chinese e-commerce giant Alibaba reported its highest individual sales day ever on Singles Day, an informal holiday dedicated to people who aren’t in relationships. 

Singles Day is on 11/11 (see all those “1”s? they symbolize being alone) and has become in recent years a bigger Chinese shopping day than Black Friday or Cyber Monday. Alibaba was a pioneer in offering discounts on the holiday, and their sales are promoted with a live TV show advertising the discounts available on the website.  Read more…

More about Alibaba, Singles Day, Singles Day Sales, Alibaba Sales, and Business


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Q&A: Smart Year End Financial Moves

With unemployment at historic lows, rising wages and consumer confidence at an 18 year high consumers are understandably in good cheer and ready to go out and spend this holiday season.

But for you, the thrill of the deal can quickly turn in to despair over the debt if you go overboard with your holiday gift giving.

Here’s how to keep your budget in check during the holiday shopping season.

What’s the best way to approach holiday shopping if we don’t want things to get out of hand?

Well, if there’s one thing that I hope people ask for, and get, this Christmas, it’s discipline. All the budgeting “tips and tricks” in the world won’t help you if you can’t control yourself.

Yet, relying on willpower alone won’t be enough to get the job done. You need a system.

Here’s what I suggest:

 

  1. Build a Budget– This sounds simple, but on one likes to do this. You have to go into shopping season with a set amount that you’re committed to not outspend. When you do this, be sure to include ALL of your costs such as wrapping, shipping, travel, etc.

 

  1. Save All Year– You do realize that Christmas happens at the same time every year, right? So why do you seem so surprised when Black Friday rolls around and you haven’t set aside any money for gifts?

 

Americans are expected to spend $ 1000 on average during the holiday shopping season.  That’s $ 80/month or $ 20.00/week you should save in advance.

 3Create a Separate Account – Don’t keep your “gift” money in the same account as your “bill” money. Open a free checking account or put money onto a prepaid debit card that will only be used for your holiday shopping. When it’s gone, it’s gone.

4. Never Use Credit – Buying something on sale, but using credit to do so and paying the minimum each month totally defeats the purpose of getting the deal in the first place. Only use your credit card if you’re getting points or rewards and you’re going to pay it off in full when the bill comes.

Ok, but what if we didn’t save up much money for Christmas, what should we do then? 

In that case, it’s time to think about generating some extra cash. Luckily, since there’s so much spending going on during the holiday season, there should be lots of opportunities to do this.

For example you can:

Convert Old Gift Cards – Check your wallet for unused or partially used gift cards. Use the balance for gifts, or use a site like CardCash.com to convert those balances to cash.

Sell Your Junk! – Go through your garage and your closet to find things that still have tags or haven’t been used in a while.  Sell these things on eBay, Poshmark, etc.

Donate Items – Donate the things you can’t sell to Goodwill, etc.  You’ll get the advantage of the tax deduction, which may put extra cash in your pocket at tax time.

Ok, what if people are expecting expensive gifts?

Look, you have to take charge and set the expectations up front.

With Your Kids – This is a great time to discuss needs vs. wants and priorities with your kids.  They may not be able to get everything they want, so give them a say in what is most important to them.

With Your Family – Perhaps set up a Secret Santa gift exchange where each family member only has to buy one gift. Try secretsanta.com or Elfster to set up your exchange.

With Yourself – Buying great presents won’t make you a better friend, spouse or parent. Have a real discussion about what the most important people in your life really want, and you might find that it may not cost you anything at all.

 

Rob Wilson is the Chief Insight Officer at Wilson Insight and a frequent contributor to CNN, CBS, NBC and Fox.

For more important lessons on improving your finances, connect with Rob on Twitter @robwilsontv or at his website http://www.robwilson.tv

Life & Style – Black America Web

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‘Thursday Night Football’ ratings spike 7 percent this year

“Thursday Night Football” went out with a bang this year. Fox’s weekly NFL broadcast — whose rights it snatched away from CBS and NBC last year in a five-year, $ 3.3 billion deal — clinched a 12.4 overnight rating in its final airing of the year, according to Nielsen. That’s a staggering 68 percent increase over…
Media | New York Post

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Here’s how Trump hobbled Obamacare and drove enrollment down this year

While President Donald Trump didn't repeal and replace former President Barack Obama's signature health-care law, more commonly known as Obamacare, he was able to dismantle key parts of it that health policy researchers are blaming for a drop.
Health and Science

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Economic growth will top 3% again next year, Trump advisor Hassett says

U.S. economic growth will defy expectations again in 2019 thanks to a business investment boom and President Donald Trump's trade strategy, White House economic advisor Kevin Hassett said Wednesday.
Economy

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Review: how artrepublic Brighton celebrated its 25th anniversary year

From local events and big-name exhibitions to taking art onto Brighton’s streets, here are artrepublic’s highlights of 2018.

Typically, as we head towards the end of a year we start to look back at all the things we’ve seen, done and accomplished over the past 12 months. What were the highs and the lows? What do we want more or less of, and what exciting plans and experiences can we carry with us into the sparkling new year? For artrepublic, this has been a truly special and spectacular year.

Our 25th anniversary year has offered up almost too many gems to mention. Early in 2018 we launched our brand-new gallery area, doubling the wall space at our Bond Street location to bring you even more of the art and artists that you love. And, with that space came a whole new events calendar, featuring monthly activities for kids hosted by our artists, evenings of edition screen printing with The Private Press (and a few more of our artists), and even some live real-life storytelling with Spark. We had a fair few parties too, with bubbles flowing to celebrate exclusive print launches, including an exclusive launch with Mark Vessey, where we were treated to a spin on the desks from legendary Brighton DJ & producer, Fatboy Slim. There were also solo exhibitions from the likes of Bruce McLean, collective showcases – taking in everything from abstraction to our Modern Masters – and even an album launch for  drum & bass legend, Friction. And that was just inside the four walls of the gallery itself.

Out in Brighton, beyond the gallery doors, our annual Art Yard Sale had people queuing round the block in the blazing sunshine, all waiting to get their hands on original art, at great prices, direct from the artists themselves. Some of the newest additions to the artrepublic family were there, right alongside some of the gallery’s veterans (not in terms of physical age, but in terms of long-held creative friendships) and, wandering among them all, was the host of our freshly-launched podcast, Art-related Nonsense, collecting stories from some of the best in the art business to share with you all. Check the first series out on iTunes.

Elsewhere on Brighton’s streets, a little later in the year, the gallery was represented in the Martlets Snail Trail with a design created for us specially by Eelus. Unlike that snail (who was very much rooted to the spot), for us this year has sped by.

The artrepublic Snail by Eelus 

We’re so grateful to be able to share all this with the art lovers out there – each of you has brought something to the artrepublic story in 2018, a big thank you to you all and we look forward to seeing you at plenty more of the gallery’s events, openings and occasions in the year to come. From everyone at artrepublic Brighton, season’s greetings and we wish you a very Happy New Year.

For more news stories and events visit our Brighton Gallery page

The post Review: how artrepublic Brighton celebrated its 25th anniversary year appeared first on artrepublic blog.

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How Many Vacation Days Did You Use This Year?

how many vacation days did you use this year

How many vacation days did you use this year, readers — and what did you DO with your vacation? As 2018 comes to a close, it’s always a great idea to review your vacation days to make sure you’re using them properly (especially if they’re use-or-lose!), and we’d love to hear how many of you are already planning for vacations in 2019! When we’ve asked in the past about vacation time, 40% of you had used less than 50% of your time for the year (whoa!).

I’ve never had the luxury of working a job where vacation days rolled over, so I’ve always tried to make the most of vacation time by taking a lot of long weekend vacations and staycations. For the past few years with the kids, I’ve told myself to just buy airline tickets as soon as we have the school calendar, and deal with hotels and research as the trip gets closer — to force us to actually go places — but I’m still struggling to master the vacation that is planned really early. We’re looking at some international travel this summer, as well as a trip to “Harry Potterland” (Universal Studios) that my 7-year-old may or may not accept as a viable Christmas present, but we’ve yet to pull the trigger on anything.

For those of you who are great at vacation planning (or finding fabulous vacation packages), I’d love to hear from you: How many months ahead are you planning? If you get, say 20 days of vacation for 2019, how many do you vacation days do you “use” ahead of time? For those of you with partners, if you get more vacation (or less) than your partner, how do you deal? 

Since the stock photo features a bag — and it is the season for gift-giving — anyone have any favorite travel gear to shout out? I’ve heard great things about Away luggage but I haven’t tried it yet.

How many vacation days did YOU use this year? If you're wondering what's normal vacation use is for career women -- and want to see how they make the most of their vacation time -- then this is the post for you! Lots of comments from women lawyers, professors and more!

The post How Many Vacation Days Did You Use This Year? appeared first on Corporette.com.

Corporette.com

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VitaminWater will pay you $100K if you give up your smartphone for a year

Let’s be honest: there’s a good chance that you’re reading this article on a smartphone right now. There’s also a good chance that you’ve been somewhat tethered to your smartphone from the moment you woke up this morning. In today’s digital age, and thanks to social networking apps like Facebook, there’s no denying that our…
Technology News & Reviews | New York Post

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Jamal Khashoggi, Other Journalists Named Time’s Person of the Year

Time selected Washington Post columnist Jamal Khashoggi, Philippine editor Maria Ressa, jailed Reuters reporters Wa Lone and Kyaw Soe Oo and the Capital Gazette of Annapolis, Md. as the magazine’s Person of the Year, recognizing the journalists as “guardians” at a time of a “war on truth.” “In its highest forms, influence — the measure that has for nine […]

Variety

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Pantone Color of the Year with Ocean Vibes

A series of Living Coral design boards wouldn’t be complete without a nod to the home of the coral itself so for our fourth and final design board inspired by Pantone’s Color of the Year, Living Coral, we’ve put together a look inspired by the ocean. This design board is subtle  and sophisticated with plenty of white, soft grey and smokey blue tones and pops of teal and coral. An actual coral motif carries through-out the room in the rug, throw pillows and accessories.

Sources:

The post Pantone Color of the Year with Ocean Vibes appeared first on Home Trends Magazine.

Home Trends Magazine

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Pantone Color of the Year with a Vintage Twist

 For our second Living Coral Design Board (Pantone’s 2019 Color of the Year), we went for a sophisticated look with a vintage feel. Pairing this bright color with earthy greens and yellows, wrought iron and wood finishes and plenty of texture creates a blend that is modern yet aged, elegant yet rustic, and soft yet bold.

A beautiful art piece adds sophistication to the room and also incorporates a variety of colors allowing for flexibility should you want to add or remove colors in the future. 

Sources:

The post Pantone Color of the Year with a Vintage Twist appeared first on Home Trends Magazine.

Home Trends Magazine

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The First Woman Soccer Player of the Year Was Asked to Twerk on Stage After Receiving Her Award

One of the most prestigious soccer awards ceremonies in the world sparked outrage Monday night when the first-ever women’s soccer player of the year was asked to twerk on stage by a male presenter.

Norwegian striker Ada Hegerberg, 23, had just accepted her trophy when the presenter, Martin Solveig, a DJ and producer, asked her in French if “she could twerk”. Visibly irritated, Hegerberg declined. With an abrupt “no,” she turned and left.

Hegerberg had just been crowned the first ever recipient of the Women’s Ballon D’or – an annual soccer award that until this year only recognized the best male player in the world. Hegerberg was the leading scorer with 15 goals as her team, Lyon, won the Champions League for the third year in a row.

France Football has awarded the Ballon d’Or to a male player every year since 1956, but this is the first year there has been a women’s award.

Before Solveig’s intervention, Hegerberg thanked all who had helped her to the achievement.

“I want to say thanks to my team-mates because this would not have been possible without them, my coach or our president Jean-Michel Aulas,” Hegerberg said.

“I also want to thank France Football. This is a huge step for women’s football.”

But what should have been a celebratory and historic evening quickly descended into awkwardness and uncomfortable silence. Soccer, like many sports, has a problem with sexism. Solveig’s comments were met with stunned silence in the audience. The ceremony, which took place in Paris, appeared to be cut short after the incident.

In a video posted to Twitter shortly after, Solveig said “he [hadn’t] wanted to offend anyone,” and that the question, intended as a joke, had been misconstrued.

In an interview with the BBC later on Monday, Hegerberg sought to play down the moment.

“He came to me afterwards and was really sad that it went that way. I didn’t really think about it at the time to be honest. I didn’t really consider it a sexual harassment or anything in the moment.

“I was just happy to do the dance and win the Ballon d’Or to be honest. I will have a glass of champagne when I get back,” she said.

On the same night, Luka Modric, who lead Croatia to their first ever World Cup Final and won an unprecedented third Champions League trophy with Spanish club Real Madrid, was named the world’s best male player. Cristiano Ronaldo, who has won the Ballon D’or five times – a record he shares with Barcelona striker Lionel Messi – placed a distant 5th.

It was the first time in ten years that neither player has won the award.

Sports – TIME

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New data suggests people eat too much or not enough — and its costing trillions of dollars per year

According to the newly released Global Nutrition Report, malnutrition and obesity are costly problems worldwide. 
Health and Science

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Introducing our 2018 Entertainers of the Year 🙌🏽The women of…

Introducing our 2018 Entertainers of the Year 🙌🏽

The women of Crazy Rich Asians and Black Panther, Cardi B, Darren Criss, and more are this year’s entertainment MVPs.

📷: ‘Crazy Rich Asians’ and Darren Criss: Ruven Afanador for EW; Cardi B: Jora Frantzis for EW; ‘Black Panther’: Koury Angelo for EW

Entertainment Weekly

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#MeToo One Year Later: Has Your Workplace Culture Changed?

About 10 years ago, Tarana Burke launched the Me Too movement—an anti-sexual assault initiative launched to support survivors of sexual abuse, assault, and harassment. For a while, the movement quietly persisted  But in 2017, multiple sexual assault and harassment allegations against Hollywood producer Harvey Weinstein reignited the #MeToo movement and sparked chaos, conversation, and change across workplaces around the world.

To gain some insight into how the #MeToo movement has changed workplace culture, we interviewed Sarah Morgan, the senior human resources director for SafeStreetsUSA and founder of BuzzARooney L.L.C., a Human Resources Management, and leadership consulting company.

As an HR professional, how has #MeToo impacted workplace culture? 

In a way that didn’t exist before, the #MeToo movement created more awareness about the spectrum of sexual harassment in the workplace. We used to think these incidents were uncommon and happened infrequently. #MeToo flipped these misconceptions on their head and showed sexual harassment as commonplace and rampant, which it’s been for a long time. I have yet to meet a woman who does not have at least one #MeToo story from their career, from early professional women to women nearing retirement. The #MeToo movement no longer allowed companies to pretend like sexual harassment were someone else’s problem that happened in an isolated vacuum. #MeToo let the world know that sexual harassment in the workplace happens to all of us in one form or another.

Because of #MeToo, many of my clients and colleagues have reached out to me for guidance on how to update their orientation and annual training for employees and managers. Men seem afraid of saying or doing something that will be misconstrued as harassment or discrimination. Women seem more hyper-aware as events occur and more willing to speak up than in the past. These are both good things. We cannot eradicate harassment and discrimination without awareness and active participation from men, especially those in positions of authority and influence, which equals power. We also need women who are both willing to come forward with the stories of their experiences and willing to believe and support other women who choose to speak up.

In my work environment, I ensured our workplace harassment training for both employees and managers were very comprehensive, so we didn’t have to change much of our current practices because of #MeToo.

Why might women be afraid to speak up about harassment at work?

Women are afraid to speak up because they do not think they’ll be believed, and they do not trust action will be taken to stop the issue and/or to protect them from retaliation after the issue is reported.

As much as HR tries to protect confidentiality, it is not uncommon for word to get out and become office gossip when a claim is filed. The same victim shaming that happens to women who are victims of sexual assault happens to women who are victims of sexual harassment in the workplace. What you wore and how you behaved and what you did/didn’t do and how you could have avoided or prevented the incident(s) all impact how you’re viewed and judged both by the company and by your peers. No woman wants to go through all of that just to keep getting a check at a job that’s only paying her $ 0.50 – 0.85 for every white male $ 1. Many women choose not to report and instead they just seek work elsewhere. Once they are out of the environment, only a fraction of women report the issue or file a lawsuit.

Can you explain HR’s role in handling employee harassment claims?

HR is responsible for educating employees and managers about what is and what is not harassment in the workplace as well as the actions one should take when they are a victim or a witness to harassment in the workplace.

When an issue is brought to our attention, HR is responsible for conducting a thorough investigation to either substantiate or refute the claimant’s version of the events. During an investigation, HR will speak with and get written statements from witnesses, and review evidence, such as timesheets, emails, video and phone recordings, chat and text messages, social media messages, etc. After everything has been reviewed, HR will make recommendations for corrective action; this includes discipline up to termination and sometimes additional training for other employees who need remedial or refresher instruction. Corrective action may also include changes in schedule, supervisor, or work area to limit interactions between the parties going forward.

It is a difficult role to balance because what the complainant wants does not always match what is in the best interest of the company.

We have to balance the needs and rights of everyone involved, not just the complainant. Sometimes this means a form of corrective action other than termination for the person accused of harassment where the evidence or the severity of the issue does not support termination. HR often feels between a rock and hard place because of this.

Many HR professionals find we are unsupported by other members of management in our recommendations to have zero tolerance toward sexual harassment. I’ve been in this place at several times in my career; I can say it is awful to feel incapable of bringing some measure of justice to a person who already feels powerless. I am glad for the #MeToo movement because it makes companies think more critically about their decisions and the implications. #MeToo is forcing companies to live up to the values they espouse surrounding fairness and equity and inclusive workplaces that are free from harassment and bullying.

When we are focused on cultivating safe spaces where employees can be both creative and accountable, companies thrive and flourish and don’t fear the #MeToo movement as a threat to success.

The post #MeToo One Year Later: Has Your Workplace Culture Changed? appeared first on Black Enterprise.

Career | Black Enterprise

EMPLOYMENT UPDATE:

Children who start school a year early more likely to be diagnosed with ADHD

Children who enter elementary school younger than their peers are more likely to be diagnosed with ADHD. Children born in August in states with a Sept. 1 cutoff birth date for school enrollment have a 30 percent higher risk for ADHD diagnosis than peers born in September, which may reflect over-diagnosis.
Child Development News — ScienceDaily

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CDC confirms 116 cases of polio-like illness this year

A total of 286 possible cases of acute flaccid myelitis have been reported to the CDC this year. 
Health and Science

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50 Year Anniversary of the Fair Housing Act and There’s Still a Racial Homeowners Gap

This year marks the 50th year anniversary of the Fair Housing Act. On April 11, 1968, a week after the passing of famed civil rights leader Rev. Dr. Martin Luther King Jr., President Lyndon Johnson approved Title VIII of the Civil Rights Act of 1968 — also known as the Fair Housing Act,.

The Fair Housing Act outlawed discrimination concerning the sale, rental, and financing to any person because of race, color, sex, religion, or national origin. This groundbreaking legislation eliminated legal barriers that prevented blacks from participating in homeownership.

Home ownership has been a vehicle for many to increase their financial security, develop communities, and transfer a piece of wealth to future generations. In an article on Nareb.com — National Association of Real Estate Brokers (NAREB) — Ron Cooper, shared his insights on the power of homeownership.

“Homeownership is the number one way for African Americans to build wealth,” he said. “There are so many other things tied to it.”

Unfortunately, many black people still lag behind white people in the homeownership goal. Although more members of the black community have been given access to homeownership because of the Fair Housing Act, reports show that 41% of blacks own homes compared to 71.3% of whites, according to 2016 U.S. Census data. The rate of black homeownership has declined since 2004 when approximately 49% of blacks owned homes.

Reasons for the Housing Gap  

What’s causing the housing gap and decline in homeownership rates for black people today? Loan fees, credit scores, limited savings, down payment requirements, and results of the 2008 financial crisis are some of the barriers preventing the growth of black homeownership today. According to the 2018 State of Housing in Black America (SHIBA) report commissioned by NAREB, there is a hidden tax on black home buyers, making it more costly for blacks to participate in homeownership. NAREB explores how Government Sponsored Enterprise (GSE) housing lending companies such as Fanni Mae and Freddie Mac charge low to moderate income households excessive fees due to a fear of loan default.

The Impact of Segregation Despite Fair Housing Act 

The SHIBA report notes that in the 10 cities with the largest black populations, segregation remains extremely high. Neighborhood segregation has a negative impact on housing appreciation for blacks populations. Homes in African American neighborhoods have lower property values, suffering from discriminatory impacts of redlining outlawed decades ago. A study published by online real estate database company Zillow, shows the impact color coding African American neighborhoods red — as most “hazardous” for lending — in the 1930s impacts housing values today. “The median home value in neighborhoods labeled “best” has risen 230.8% to $ 640,238 over the past 22 years, whereas the median value in the areas rated “hazardous” has climbed only 203.1%, to $ 276,199.

Solutions to Build Homeownership Rates  

Although blacks have celebrated many victories over the last 50 years in pursuit of equality and fair practices in housing, there is still more work to be done. Increasing the level of loan applications, loan originations, and homeownership sustainability will be a step in the right direction, according to NAREB.

If you’re thinking about buying a house, it’s important to consult with a realtor and financial professional to educate you on the process. Don’t walk the journey alone. In order to move beyond years of discrimination and limited access, you have to be equipped with the right tools to succeed. Education and preparation is key to moving the needle on housing in black America and will ensure that more black people gain access to favorable rates, terms, and properties.

The post 50 Year Anniversary of the Fair Housing Act and There’s Still a Racial Homeowners Gap appeared first on Black Enterprise.

Money | Black Enterprise

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

50 Year Anniversary of the Fair Housing Act and There’s Still a Racial Homeowners Gap

This year marks the 50th year anniversary of the Fair Housing Act. On April 11, 1968, a week after the passing of famed civil rights leader Rev. Dr. Martin Luther King Jr., President Lyndon Johnson approved Title VIII of the Civil Rights Act of 1968 — also known as the Fair Housing Act,.

The Fair Housing Act outlawed discrimination concerning the sale, rental, and financing to any person because of race, color, sex, religion, or national origin. This groundbreaking legislation eliminated legal barriers that prevented blacks from participating in homeownership.

Home ownership has been a vehicle for many to increase their financial security, develop communities, and transfer a piece of wealth to future generations. In an article on Nareb.com — National Association of Real Estate Brokers (NAREB) — Ron Cooper, shared his insights on the power of homeownership.

“Homeownership is the number one way for African Americans to build wealth,” he said. “There are so many other things tied to it.”

Unfortunately, many black people still lag behind white people in the homeownership goal. Although more members of the black community have been given access to homeownership because of the Fair Housing Act, reports show that 41% of blacks own homes compared to 71.3% of whites, according to 2016 U.S. Census data. The rate of black homeownership has declined since 2004 when approximately 49% of blacks owned homes.

Reasons for the Housing Gap  

What’s causing the housing gap and decline in homeownership rates for black people today? Loan fees, credit scores, limited savings, down payment requirements, and results of the 2008 financial crisis are some of the barriers preventing the growth of black homeownership today. According to the 2018 State of Housing in Black America (SHIBA) report commissioned by NAREB, there is a hidden tax on black home buyers, making it more costly for blacks to participate in homeownership. NAREB explores how Government Sponsored Enterprise (GSE) housing lending companies such as Fanni Mae and Freddie Mac charge low to moderate income households excessive fees due to a fear of loan default.

The Impact of Segregation Despite Fair Housing Act 

The SHIBA report notes that in the 10 cities with the largest black populations, segregation remains extremely high. Neighborhood segregation has a negative impact on housing appreciation for blacks populations. Homes in African American neighborhoods have lower property values, suffering from discriminatory impacts of redlining outlawed decades ago. A study published by online real estate database company Zillow, shows the impact color coding African American neighborhoods red — as most “hazardous” for lending — in the 1930s impacts housing values today. “The median home value in neighborhoods labeled “best” has risen 230.8% to $ 640,238 over the past 22 years, whereas the median value in the areas rated “hazardous” has climbed only 203.1%, to $ 276,199.

Solutions to Build Homeownership Rates  

Although blacks have celebrated many victories over the last 50 years in pursuit of equality and fair practices in housing, there is still more work to be done. Increasing the level of loan applications, loan originations, and homeownership sustainability will be a step in the right direction, according to NAREB.

If you’re thinking about buying a house, it’s important to consult with a realtor and financial professional to educate you on the process. Don’t walk the journey alone. In order to move beyond years of discrimination and limited access, you have to be equipped with the right tools to succeed. Education and preparation is key to moving the needle on housing in black America and will ensure that more black people gain access to favorable rates, terms, and properties.

The post 50 Year Anniversary of the Fair Housing Act and There’s Still a Racial Homeowners Gap appeared first on Black Enterprise.

Money | Black Enterprise

FASHION DEAL UPDATE:

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

Tyler Wright Withdraws From 2018 Maui Pro To Recover After Influenza A Scare Earlier This Year

Today the World Surf League announced that Tyler Wright withdrew from the final event of the year in Maui.

Tyler Wright’s message on Instagram – “It’s been 5 months since Influenza A prevented me from competing at J’Bay. Since then, I haven’t been able to regain full health and have been diagnosed with Post Viral Syndrome. This means I’m tired (a lot), my body aches and my brain hurts – I’m really not much fun to be around! It took me a while to understand what was going on. Other times when I’ve been sick, I’ve been able to recover or to push through it to compete.

I’ve had great doctors and amazing support from Alex, my family, @wsl @surfingaustralia and my sponsors. There’s no clear timeline for recovery but I’m doing what I can to get back to full physical and mental health.
Until then, I’ll be reading Harry Potter/my book and living that sass queen life. All the best to the girls in Maui. Thanks to everyone for your understanding and support.”

We support you legend and your road to recovery.

The post Tyler Wright Withdraws From 2018 Maui Pro To Recover After Influenza A Scare Earlier This Year appeared first on .

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Japan October Nationwide CPI Climbs 1.4% On Year

Overall nationwide consumer prices in Japan were up 1.4 percent on year in October, the Ministry of Internal Affairs and Communications said on Thursday.
RTT – Economic News

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

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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!

Goldman Sachs believes the US economy will slow to a crawl next year

Goldman sees economic growth slowing to below 2 percent in the second half of 2019 as the Fed continues to raise rates and the effects of the tax cut wear off.
Economy

ECONOMY NEWS 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!

USPS underdelivers on finances for 12th year

Newsy

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!

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

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

SPECIAL CHILDREN DEAL UPDATE:

Steelers’ Bell doesn’t show, won’t play this year

Steelers running back Le’Veon Bell didn’t report to the team by Tuesday’s deadline, meaning the former All-Pro won’t play this season and will miss out on $ 14.5 million.
www.espn.com – NFL
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Glamour Women of the Year Awards 2018 Red Carpet Fashion: See Claire Danes, Lili Reinhart and More Stars Arrive

Claire Danes, Glamour Women Of The Year AwardsThe 2018 Glamour Women of the Year Awards returns to New York City tonight with an extra inspirational dose of girl power.
Now in its 28th year and held at Spring Studios, Glamour…

E! Online (US) – Fashion Police

Special Tip Update!

15% Off Customized Baby Gifts! Use Code: FLEX15

Miguel Andujar loses Rookie of the Year to Shohei Ohtani

First Shohei Ohtani spurned the Yankees to join the Angels last offseason, now he’s denied them another AL Rookie of the Year. The two-way star beat out the Yankees’ Miguel Andujar and Gleyber Torres for the award, the BBWAA announced Monday night. It kept the Yankees from having an AL Rookie of the Year for…
Sports | New York Post

EMPLOYMENT SEARCH UPDATE:

Consumer sentiment tops expectations in November, stays on pace for best year since 2000

A preliminary reading on consumer sentiment for November came in slightly above expectations.
Economy

ECONOMY NEWS 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!

Tales from the Wallet: What Was Your Best Money Decision This Year?

best money decision this yearWhat was your best money decision this year — and what was your worst? We’ve nearing the end of the year so I thought it might be a fun discussion, especially since there’s still time to make a great money decision or correct a bad one. Bonus question: what’s your biggest financial goal for 2019?

Psst: here’s our old advice on end of year financial steps if you’re wondering what you can do — as well as how to set financial goals for the year

For my $ .02…

Probably my best money decision has been my focus this year on automated savings and investments — I got a lot buttoned down, and feel good about that. I still use Ally for most short-term savings (the ones I want to keep in cash or CDs), but saw one comment yesterday that concerned me about Ally, so I’d love to hear what other banks you guys are using! Almost all of my long-term savings and investments are with Schwab and Vanguard, and short-short term (basically checking) is through Chase.

My worst money decision is just how loosey-goosey I’ve let my spending become. I tend to stress shop (and stress eat, and stress drink) and I really need to reign it in! It’s also kind of hard to keep track of how much I’ve actually spent because I return a ton of what I buy. I’m pondering setting up a gift card or something with a set amount of cash and using that for all online spending next year — has anyone done that? (Edited to add: I just bought myself a $ 500 gift card at Nordstrom to test it out since Nordstrom probably represents 80% of my shopping — I’ll report back on how that works out.)

My goal for 2019: The biggest money decision I’ll make in 2019 will probably be made this month, as I choose our health insurance for next year, so my goal for 2019 is to choose intelligently! I haaaaate health insurance with a fiery passion. (Here are some of our previous open enrollment tips…)

How about you guys — what was your best money decision of 2018? Worst money decision of 2018? Any early goals for 2019?

Stock photo credit: Stencil.

 

The post Tales from the Wallet: What Was Your Best Money Decision This Year? appeared first on Corporette.com.

Corporette.com

BEST DEAL UPDATE:

Here’s How Much of Each Popular Thanksgiving Food Gets Consumed Each Year

Most of us heap a little more food on our plates during the holidays—but how much? Nielsen has crunched the numbers and tallied how much Americans are buying—from the turkeys we roast in our ovens to the cinnamon we sprinkle in our cider. Read on to see how Americans will be setting the table—plus pick up some helpful hints about how to make your holiday more enjoyable this Thanksgiving.
Bob Vila : Trusted Home Renovation & Repair Expert

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Black Millennial Voters: The Future of Education Is On The Ballot This Year

Cathy Cohen is the principal investigator and founder of Gen Forward Survey—a nationally representative survey of over 1750 young adults ages 18-34. The survey, which is conducted bi-monthly, pays special attention to how race and ethnicity shape how respondents experience and think about the world. “The research from the GenForward Survey is an opportunity to insert the preferences and political beliefs into the national discourse,” said Cohen. “I hope politicians and average citizens will recognize that African American millennials have a clearly defined research agenda that includes improving public education as much as it includes challenging and ending racism and police brutality.  There is no monolithic millennial generation,” she continued.

This year’s Gen Forward survey revealed a few key findings:

  • Over 75% of millennials, independent of race and ethnicity, believe paying teachers more would do more to improve public education than creating more charter schools.
  • Nearly three-quarters of millennials believe that expanding access to mental health resources would do more to improve public education than increasing the number of police officers in schools.
  • Near majorities of millennials across racial and ethnic groups are “somewhat” or “very” worried about the possibility of a shooting happening at a school in their community.
  • Millennials of color believe students of color get a worse education than whites.
  • Substantial numbers of millennials, ranging from 69% of whites to 51% of Latinxs, believe there are many ways to succeed in today’s world without a college education.

So, what does this mean for the election and why should we care? Cohen shared her perspectives with Black Enterprise.

“Young adults have different views of this country and its policies influenced by their race, gender, sexuality, and class. Only when we take seriously the political positions of millennial African Americans, now the largest generation of our community, can we build and move a comprehensive political agenda.”

“If we want to mobilize black millennial voters to go to the polls and vote, politicians and the political parties have to speak to the issues that matter to them, said Cohen. For African American millennials, those are issues such as racism, gun control, income inequality, and education. If we continue to ignore their agenda they will only grow more alienated and withdraw from any political involvement.”

Congressman Elijah Cummings also shared his perspectives on the results of the survey. “The opinions of today’s millennials are telling policymakers at every level that we all must make the education of our next generation our top priority, ” said Cummings. Although public education is primarily a state and local (rather than a federal) responsibility, the President and Congress have an important role in funding the public education of economically disadvantaged students (Title I of the Elementary and Secondary Education Act) and students with disabilities (the Individuals with Disabilities Education Act).”

When it comes to turning survey feedback into action, Cummings says, “We need local and state legislators who will fight for more education funding; school leaders who will craft policies to support all students regardless of socioeconomic status or background; teachers who will dedicate themselves to attacking the achievement gap; and federal lawmakers who will give our children’s education more than rhetoric. Our children’s future should not be subjected to a popularity contest. They deserve the best education possible—and this election is the perfect time to make that a reality.”

The post Black Millennial Voters: The Future of Education Is On The Ballot This Year appeared first on Black Enterprise.

Lifestyle | Black Enterprise

FASHION DEALS UPDATE:

Disney gains after reporting that studio revenue grew 50% year over year

Disney's earnings come as investors continue to seek more information on the company's long-term vision for its various streaming investments as well as how it plans to integrate assets recently acquired from Twenty-First Century Fox.
Media

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Watch COPA anywhere with Univision NOW – On Sale Now!

Sears to shut 40 more stores early next year

The new store closures are in addition to the 142 stores Sears is already expected to close toward the end of 2018.
Top News & Analysis

COMMUNITY NEWS UPDATE:

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