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
Hong Kong's housing prices could slump up to 25 percent next year if the trade war between the United States and China worsens and local stocks slide further, according to real-estate and investment management company JLL. Asia-Pacific News
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
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
TICKET UPDATE NEWS:
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
What 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?
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?
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
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.
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.”
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
Rising mortgage rates and high home prices have fewer consumers thinking now is a good time to buy or sell a home. While consumers are bullish on the economy, fewer said they are not concerned about losing their job. Real Estate
Halloween is a time to go wild with your creativity – and let’s be honest, celebrities always do it best. With their unlimited resources, they pull it off every year. There were endless winners this year, but we’ve picked our top 5…
Heidi Klum as Shrek’s Princess Fiona
Every year, Heidi Klum knocks it out the park with her outlandish outfits and epic Halloween party. We loved last year’s Jessica Rabbit, but she may have just topped it with her scarily lifelike Princess Fiona.
Mandatory Credit: Photo by Andrew H. Walker/REX/Shutterstock (9954646cg)
Lupita Nyong’o as Clueless’ Dionne
We’re obsessed with how dead on this interpretation of everyone’s favourite Clueless BFF is, from the nose ring to the chunky 90s phone that she didn’t put down all night. That’s dedication.
Mandatory Credit: Photo by Andrew H. Walker/REX/Shutterstock (9954646cr)
Winnie Harlow as RuPaul
What a Queen! Winnie’s take on RuPaul was bang on – and pretty damn sexy! Nailed it.
Mandatory Credit: Photo by Gregory Pace/REX/Shutterstock (9954979s)
Kourtney Kardashian as Ariana Grande
Ok, hands up if you think the resemblance is uncanny?! KK did a great Ariana, captioning this eerily accurate interpretation with: ‘God Is A Woman’. Yessss.
Jessica Biel and Justin Timberlake as Lego Batman character
Always one of the best-dressed Halloween couples, the Biel/Timberlakes continued their reign with their awesome lego get-up. Their dedication to costumes is seriously admirable…
Who was your favourite? Tweet us at @marieclaireuk
When you have a name like Josh Trees and your job is hanging holiday lights, you have to be prepared for the inevitable question: Is that actually your name?
Trees — yes, that’s his real name — started his business, We Hang Christmas Lights, in 1997, decorating homes, businesses and assorted branched greenery in Temecula, California.
But Trees definitely gets the last (jolly) laugh.
“When we first started doing this, people were like, ‘Oh, that’s a cute little business,’” says the 43-year-old. “We were like, ‘Yeah, cute,’ — you don’t realize people are paying us $ 3,500 to put lights up on their houses.
“By my third year, I was hitting a net profit of right around $ 138,000.”
Now Trees crisscrosses the country with strands of lights and a tiny house to teach others how they can build their own businesses hanging twinkling bulbs.
On the First Day of Christmas Lighting
Ah, the fond memories of hauling out last year’s box of lights to add some holiday cheer to the humble abode. Haphazardly arrange the lights around the front stoop, throw a wreath on the door and voilá!
But if you’re starting a business hanging lights, that simplified recollection can lead to costly errors, according to Trees. And he should know, because he had the same idea.
“We were making mistakes on everything — we were just a bunch of guys thinking, ‘Hey, this is going to be easy,’” Trees says. “We were hanging other people’s lights — that’s a huge no-no.… The second stage was hanging the crummy lights from retailers.
“I’m surprised I made it through the first couple years.”
By the third year, Trees had moved onto purchasing lights from wholesale vendors, which offered discounts for bulk purchases. He was also buying commercial-grade strands so that when one bulb went out, they didn’t all go out.
But Trees says his biggest mistake had nothing to do with lights — it was underbidding jobs.
“I got into it in the first year… and I didn’t make any money — probably lost money,” Trees says. “I was charging $ 150 for jobs that should have been $ 850.
“I bid a job for $ 3,500 that should have literally been $ 35,000.It was horrible.”
Enlightening Business Strategies
Trees’ students echo his refrain, noting that learning from other professionals early on can help transform a business idea into a profitable enterprise — and with a lot fewer mistakes along the way.
One of Trees’ early students was Jeff Krall, owner of American Holiday Lights in Woodridge, Illinois. In 2008, Krall attended an individual training session, which Trees conducted before he started traveling the country to teach classes.
“Josh helped me get it started,” says Krall, 53. “Everything from how to hang the lights on the rooflines… making our own extension cords, how to wrap the trees.
“It would take someone… two or three years to learn how to do it correctly, whereas Josh, in two or three days, he tells them how to do everything.”
In his first season of business, Krall estimates he had 30 clients. Now he manages 25 to 35 employees who light 35 to 40 houses a day during the season, at an average price of $ 1,400 to $ 1,500 per house.
However, those visions of sugarplums and dollar signs dancing in your head might not be in your immediate future — or at least not the first season.
Last year, Lucas Pulvermacher decided to add a light-hanging business to his busy lawn care enterprise near Oshkosh, Wisconsin.
“My first year was tricky because I had to have an inventory of the lights. That’s a fairly large cost — and also the ladder, equipment, safety stuff like that,” says Pulvermacher, who recently turned 16. “I’d say we came out about even.”
Pulvermacher says his Lucas Lights lit three houses and two businesses after launching in mid-November last year — “It was hard because we started so late.”
After taking Trees’ class this year to learn marketing and sales strategies, Pulvermacher invested in professionally designed materials, including a logo.
His goal is to tackle 10 houses this year and then double that number by 2019 — when he has his driver’s license.
Beyond Christmas Lights
One of the cool things about those twinkling lights is that they still work after Jan. 1. That means there’s more business after the wintry holiday season.
“A lot of the guys we work with, they do wedding lights, event lights, party lights and backyard lighting, that sort of thing, and a lot also do landscape lighting,” says Trees, who estimates that light installations for weddings bring in $ 1,800 on average but can go as high as $ 7,000.
Krall, who also owns a roofing business, hangs lights all year round for backyard weddings, Diwali festival of lights celebrations and Halloween parties — “but the majority of what we do is Christmas,” he notes.
So let’s say you’re not ready to start your own business but being outside hanging lights sounds like a better gig than working a seasonal retail job.
Krall notes that the toughest part of his business is finding good, reliable help.
“We got creative this year, so we align ourselves with other companies out there that are seasonal, like landscapers or pool companies,” Krall says. “When they’re laying off, we’re actively developing relationships.”
Trees recommends that installers offer tiered bonus pay, adding an extra $ 1 per hour each week to incentivize continued attendance as the season winds down — particularly in January when companies have to take down the lights.
“Helpers can typically make anywhere from between… $ 13 at the low end to about $ 20 at the high end — and that’s before bonuses,” Trees says. “When you find somebody that’s good, it’s key that you keep those people, because it’s temporary, and they know it’s temporary.”
For people interested in finding holiday lighting jobs in their area, Trees suggests checking places like Craigslist, Indeed and the We Hang Christmas Lights site, which includes a directory of light installers that’s searchable by zip code — just mention your interest in a job when you fill out the online form.
Trees has found that these holiday gigs are best suited for people who work warm-weather jobs in roofing, tree trimming and window washing. All of which have at least one trait in common — no fear of heights.
And yes, the money is nice, but Krall and Pulvermacher agree that the best part of hanging bulbs is the way their customers’ faces light up when they see the finished product.
“Everybody’s in a really good mood around Christmas time,” says Krall.
Pulvermacher adds: “It’s just kind of a cozy feeling when you see a house all lit up.”
Tiffany Wendeln Connors is a staff writer at The Penny Hoarder. She covers interesting careers and job benefits. Her holiday wish list includes a subscription to a gourmet cheese of the month club, in case anyone starts shopping early.
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.
German drugmaker Merck KGaA might agree partnership deals to jointly develop two of its most promising experimental medicines with a rival as early as this year, but more likely in 2019, its drug research and development chief said on Sunday.
In a matter of days, we’ve seen a bunch of impressive new Android phones, including flagships (LG V40 ThinQ, Pixel 3 and Pixel 3 XL, and Razer Phone 2), as well as mid-range handsets (Nokia 7.1 and Samsung Galaxy A9). But all these devices, including the high-end ones, will pale in comparison with the Mate 20 Pro launching next week. We already saw a massive leak that suggested the new Huawei handset will be the most exciting Android phone of the year, and we have a brand new leak to reinforce that idea.
Brooks Koepka might not get the fanfare he thinks he deserves, but let’s be honest, he doesn’t do boring. His year was punctuated by injury, two major titles, 10 days of endless drama and a player of the year award. www.espn.com – GOLF
Country music stars took to social media Monday to honor the one-year anniversary of the Las Vegas mass shooting that claimed the lives of 58 fans who’d turned out to celebrate the annual Route 91 Harvest Festival.
Singer Jason Aldean was on stage closing down the festival when the perpetrator…