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Apache is functioning normally

June 9, 2023 by Brett Tams

Do you have something that drives you absolutely crazy, even though nobody else is fazed by it? We all do—whether it’s someone taking the last of the coffee without refilling, or seemingly arbitrary office policies. It’s strange when we get angry over nothing… but sometimes it’s also oddly liberating. 

It seems like it’s something different that tips everybody over the edge—so let’s talk about some of the most common things that make us irrationally angry.

1. YouTube Video Recommendations

Photo Credit: Shutterstock.

One user posted, “YouTube recommending videos that don’t start with the first one of a series. Why start on part 6…?”

“YT can’t count. You’ve watched episodes 1, 2, and 3 out of a series? What comes after episode 3? Episode 7, obviously. Next up is episode 21. Followed by episode 2 even though you’ve already watched it. It’s baffling how a simple episode list is beyond YT’s algorithm to understand,” one user replied. 

Another user also commented, “Yeah, but 7 has higher engagement metrics than 4,5, or 6, so YT thinks that is more important than chronology.” 

One responded, “For me it’s the 30s of unskippable ads, followed by another ad 25s into the video.”

2. Motion Sensor Doesn’t Work

Photo Credit: Shutterstock.

One user posted, “When the motion sensor on a paper towel dispenser doesn’t work.”

Another user replied, “I hate it when you have to negotiate to get soap, water and towels but the germaphobe in me really likes not touching anything.”

One user commented, “As a fellow public toilet germaphobe, it shits me to tears when the amenities are designed to be no touch (sensor soap and paper towel etc) and then the door has a handle.” 

Another user stated, “As long as they use real paper towels and not those shitty hand dryers, you can use the towel to grab the door handle. Some places now have the thing at the bottom of the door where you can use your foot. That is also pretty handy. It’s pretty gross though when you see some absolute slob come out of a stall and go right out the door using the handle you have to touch. I wouldn’t describe myself as a germaphobe by any stretch, but there is a level of basic hygiene that everyone should be at.”

3. People who Won’t Let you Merge

Photo Credit: Shutterstock.

One Redditor posted, “When people speed up when I indicate a lane change.”

Another responded, “Omg thank god someone said this. Knew those jerks do that… on purpose lmao.”

One user also commented, “Me too, and I always wondered why they do that.” 

Another Redditor added, “Some people are mean on purpose. Some people aren’t paying attention to their speed and when they notice they’re going slow cuz someone is trying to pass them, they correct.” 

“I get [annoyed with] people who cut me off on the right, while my blinker to change lanes to the right is active and I’m intentionally trying to move over to the slow lane. They’re so eager to pass me that they won’t even let me get over to the slow lane or exit lane. I’m trying to move over, and it’s infuriating,” a user replied. 

4. People who are Confidently Wrong

Photo Credit: Shutterstock.

One user added to the thread, “Overconfident people who are clearly not very bright.”

Another responded, “People that [make up] an answer instead of admitting they don’t know something.”

Another one added, “I agree this is cringe but unfortunately as a medical student, doctors get pissed if I say ‘I don’t know’ to some of their random… questions, so I have to force myself to make up some [crap] instead.” 

“My 11th grade English teacher was one of those teachers. He also got mad at you for making stuff up though and refused to use anything but your full legal name (first and last) but the second you tried to call him Mr instead of professor he’d yell at you and lecture the whole class about respect and if someone has a name/title preference you should accept that so [idk] what his problem was lmao.” 

5. No Headlights in the Rain

Photo Credit: Shutterstock.

One user commented, “Drivers who don’t turn their headlights on when it’s raining.”

Another user added, “Or ones that don’t use turn signals when turning.”

“They use it as they turn instead of before,” one Redditor replied.

Another user responded, “And it always seems to be gray or silver cars that completely blend in with the haze.”

6. Blocking the Grocery Aisle

Photo Credit: Shutterstock.

One Redditor posted, “When people block the entire… aisle with their shopping carts.”

Another user responded, “Lmao my wife gets so pissed when people do this. She literally moves their cart for them.”

One user added, “I do that, too. I’ll pick up the end of their cart and just move it out of the way. Usually people are apologetic about it and I’m outwardly nice to them but I’m always thinking ‘If you’re so sorry why… did you do it in the first place??’”

One user shared, “My grocery store trigger is when someone stops in an aisle to peruse a section, and they leave their cart dead center in the aisle…preferably at an angle to ensure maximum blockage.” 

7.  People Stopping in Busy Stores

Photo Credit: Shutterstock.

One user posted, “Pet peeve… people having friends and family gathering in the busiest intersection in the store right in front of the items everyone needs to get at with their kids running around, and getting in everyone’s way. Not slightly to the side by the frozen dinner entrees, or something, but in the worst imaginable spot impeding every other customer’s ability to get around, and get the stuff they need.”

One added, “I swear lockdown made everyone dumber. People can’t drive [at all] now and it seems to be the social norm to go slow as [heck] down isles and stop I the center of the isle.” 

8. Setting Multiple Alarms

Photo Credit: Shutterstock.

One user added, “My wife’s second and third alarms in the morning when I don’t have to get up for work.”

Another replied, “When you get into bed looking forward to a good night’s sleep, knowing you’ll be getting quite a lot of hours in bed before you have to get up for work the next day, and then what feels like just one blink later…”

One user then asked the OG commenter, “Do you have sleep apnea or insomnia? I’ve got relatives who have one or the other and it doesn’t seem fun. The one with sleep apnea got the CPAP machine and now he can function on 4 hours of sleep whereas before the machine, he would get 8 or so hours of sleep but still be extremely exhausted because his body wasn’t fully going to sleep. I get acid reflux, where if I eat too late I will wake up choking on stomach acid (or just throw up).” 

The OG commenter answered, “I have narcolepsy, but you’re on the right lines yeah.”

9. When your Headphone Cord Snags

Photo Credit: Shutterstock.

One Redditor posted, “Headphone cord snag.”

One user added, “On the kitchen drawer… WHILE I’M COOKING.”

One also shared the same sentiments and replied, “I’m so… angry just reading your comment.”

Another also added, “Similar rage level- you must carry some stuff, you’ve found a way to stack everything securely to carry in one trip. But it requires both hands. You manage to open a door with either your foot or by carefully stretching your fingers…. Then your belt loop/baggy top gets caught on the door handle when you’re almost fully through.” 

10. Printers

Photo Credit: Shutterstock.

One user commented, “Printers. If I plug you in, you should work. WHY YOU NO WORK?!”

“PC Load Letter? What the [heck] does that mean???” one user replied.

Another added, “Sounds like someone’s got a case of the Mondays…”

One user said, “Haha. The cry of the IT guy!!”

Source Reddit.

Image Credit: Shutterstock – Denis Makarenko

Who is one actress you can never stand watching, no matter their role?  After polling the internet, these were the top-voted actresses that people couldn’t stand watching.

10 Actresses People Despise Watching Regardless of Their Role

These 7 Celebrities are Genuinely Good People

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We’ve all heard the famous adage that “no publicity is bad publicity,” and while it tends to be accurate, there are certainly exceptions. But what about those few stars who stay out of the limelight and get along without a hint of trouble? 

These 7 Celebrities are Genuinely Good People

Photo Credit: Shutterstock

Have you ever known someone and thought you liked them—until you learned about their hobbies? Then you get to know them and then you’re like, “Wow, red flag.” Well, you’re not alone.

These 10 Activities Are an Immediate Red Flag

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Some celebrities definitely seem to enjoy the limelight and keep working to stay in the public eye. While others quickly move out of the spotlight. Many of these actors and actresses stepped out of the spotlight to live a more private life without constant media pressures.

10 Celebrities That Made the Big Times Then Disappeared Off The Face of the Earth

Image Credit: Troma Entertainment

We’ve all been there – sitting through a movie that we can’t help but cringe at, but somehow it still manages to hold a special place in our hearts.

These 10 Terrible Movies Are Still People’s Favorites



About the Author



Source: financequickfix.com

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Apache is functioning normally

June 9, 2023 by Brett Tams

Are you considering going back to grad school? Have you wondered if the graduate degree you’re looking at will give you a good return-on-investment (ROI)?

It’s important to consider the full cost of graduate school (and its potential impact on your career and earning potential) before you blow $1,000 on test prep, entrance exams, and application fees, and certainly before you send off a deposit and give notice at your job. Our graduate school ROI calculator (below) can give you a sense of what you stand to get (and give up) by going back to school.

What’s Ahead:

How to use the grad school ROI calculator

  • Enter your age.
  • Enter your current salary (so the calculator can include opportunity costs).
  • Enter the total cost of graduate school for one year. Add together the following to get a rough estimate:
    • Total tuition you’ll have to pay at the university of your choice, plus any fees. (This can usually be found on the university’s website.)
    • Your cost for books or other materials. (For an MFA in creative writing, this will be almost nothing; for a law degree, a year of books might set you back $1,800. Do a little searching to find a rough estimate.)
    • Living expenses. (If your plan is to stay in your current city in your current place, your own prior spending should be a rough guide. If your dream school is elsewhere, consider browsing apartment listings and roommate ads to get a sense of how much you’ll have to pay for rent. Then factor in utilities, transportation, food, and entertainment. Your current budget might be an okay place to start, but you should definitely cut costs once you’re in school and living on loans….as this calculator will make clear!)
  • Enter the length of your program (in years).
  • If you want to opt for the advanced settings, enter the amount of student loans you expect to take out, along with the interest rate and term of the loan. Otherwise, we’ll use 6% and 10 years as an average.
  • Enter your expected salary upon graduation. It pays to get specific here: Don’t just look for the average salary for your profession, but for the average salary of that profession in the region you intend to live in. Lawyers in New York make a lot more than lawyers in Tampa. Be sure to use a reasonable first-year salary, not what you hope to make after five or 10 years in the field.

Once you hit submit, we’ll calculate the following:

  • The total cost of graduate school, including opportunity costs, tuition and fees, and loan interest.
  • Your lifetime earnings at your current salary, as well as your lifetime earnings at your projected post-graduate school salary.

Take a look at the lifetime earnings. How big is the difference and is it worth the cost, risk, and effort it takes to go to graduate school.  Keep in mind that things change and nothing is guaranteed.

Also, if you continue to work while in school that reduces your overall costs as well. Perhaps you don’t need to borrow as much, and your opportunity costs will be lower. You’ll still be earning your previous salary while in school, or at least part of it.

Keep in mind that it isn’t always just about the numbers. If a higher degree gets you into a job you love, that’s worth a lot more than just money.

Summary

This calculator can do the math, but of course, you need to look at your whole life to make a decision like this. Continuing to work and live cheaply while in school will help keep costs down and reduce the overall negative impact of going back to school.

But also consider lifestyle, if you need a graduate degree to get your dream job the finances may not matter as much.

Source: moneyunder30.com

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Apache is functioning normally

June 9, 2023 by Brett Tams

Horror movies have been a staple of the film industry for decades, captivating audiences with their ability to scare, shock, and thrill. From classic black-and-white thrillers to modern-day blockbusters, horror movies haunt us with their terrifying stories and imagery. Whether you’re a horror enthusiast or simply looking for a good scare, the world of horror movies offers a wide range of options to choose from.

1. The Exorcist 

Photo Credit: Blumhouse Productions.

“The Exorcist” is a classic horror film directed by William Friedkin and released in 1973. The movie tells the story of a young girl named Regan who becomes possessed by a demon, and the efforts of a priest named Father Damien Karras to exorcise the entity from her body. The film is widely regarded as one of the best horror movies ever made due to its blend of supernatural horror and personal themes of faith and redemption. The use of practical effects and strong performances from the cast, particularly Linda Blair and Jason Miller, add to the film’s enduring legacy.

2. The Shining 

Photo Credit: Warner Bros.

“The Shining” is a 1980 horror film directed by Stanley Kubrick and is considered one of the best horror movies ever made. The movie tells the story of Jack Torrance, a writer who takes a job as a winter caretaker at the isolated Overlook Hotel with his wife and son. Kubrick’s masterful direction and use of imagery create a sense of dread and unease, complemented by the haunting score. Jack Nicholson’s unforgettable performance as Jack Torrance, the exploration of themes such as isolation and madness, and the film’s impact on pop culture all contribute to its status as a classic of cinema and a must-see for horror fans.

3. IT Chapter 1

Photo Credit: New Line Cinema.

“It Chapter 1” is a 2017 horror film directed by Andy Muschietti that follows a group of outcast kids, the Losers Club, as they try to defeat a shape-shifting entity that takes the form of a terrifying clown named Pennywise. The film’s blend of horror, humor, and heart makes it stand out in the genre. The exceptional cast, particularly the young actors who play the Losers Club, deliver powerful performances. The film explores universal themes related to childhood trauma, grief, and the power of imagination, which elevates it beyond the confines of the horror genre. Overall, “It Chapter 1” is a must-see film for horror fans and movie lovers alike.

4. The Nun 

Photo Credit: Atomic Monster.

“The Nun” is a 2018 horror film directed by Corin Hardy that takes place in 1952 Romania. It follows a young nun and a priest as they investigate the death of a nun in a secluded abbey and encounter an evil force in the form of a demonic nun. The film’s immersive atmosphere, stunning visuals, exceptional performances, and clever use of jump scares and suspense make it a modern horror classic and a must-see for horror fans.

5. Jaws

Photo Credit: Universal Pictures.

“Jaws” is a 1975 horror film directed by Steven Spielberg that takes place in a small New England town terrorized by a giant man-eating great white shark. The film’s ability to create suspense and terror through suggestion rather than explicit gore, exceptional performances, and masterful filmmaking make it a classic horror film and a must-see for fans of the genre. Its enduring popularity is a testament to its timeless storytelling and iconic scenes.

6. IT Chapter 2

Photo Credit: Warner Bros.

“IT Chapter 2” is a 2019 horror film directed by Andy Muschietti and based on the novel by Stephen King. The film follows the adult versions of the Losers Club as they return to Derry, Maine to confront the shape-shifting entity known as Pennywise the Clown. The film’s exceptional cast, and the blend of horror and heart make it one of the best horror movies ever made.

7. A Quiet Place

Photo Credit: Platinum Dunes.

“A Quiet Place” is a 2018 horror film directed by John Krasinski, set in a post-apocalyptic world where creatures hunt by sound. The film’s use of sound and unique premise creates a tense and immersive atmosphere, while exceptional performances by the cast, particularly Emily Blunt and Millicent Simmonds, add depth to the characters. The exploration of themes such as family, sacrifice, and survival make it not just a horror movie, but a thoughtful drama.

8. The Sixth Sense 

Photo Credit: Hollywood Pictures.

The Sixth Sense was produced in 1999 by Barry Mendel, Kathleen Kennedy and Frank Marshall. It’s the story of a young boy who receives visits from ghosts. He’s too afraid to tell anybody but the child psychologist, who listens to the boy and tries to help him. Dark secrets about the miscommunication of ghosts are waiting for them, and the movie cleverly lays down clues about the twist that occurs at the end. A clever plot and suspence make this horror movie a must-see for enthusiasts!

9. World War Z

Photo Credit: Plan B Entertainment.

“World War Z” is a 2013 horror film directed by Marc Forster and is considered one of the great horror movies of the past decade. The movie follows a former United Nations employee’s journey as he travels across the globe in search of a cure for a zombie pandemic while trying to protect his family. The film’s strengths include the intensity of the action, impressive special effects, a fast-paced and suspenseful storyline, and engaging performances, particularly by Brad Pitt. The exploration of themes such as survival, sacrifice, and the consequences of human actions adds a level of depth and complexity to the movie. Furthermore, the film has had a significant impact on the zombie sub-genre of horror movies and inspired numerous films, TV shows, and video games.

10. Hereditary 

Photo Credit: Hereditary.

“Hereditary” is a 2018 horror film directed by Ari Aster and is considered one of the great horror movies of recent times. The movie follows the Graham family as they struggle with their grief and the unsettling events that follow the death of the grandmother. The film’s direction, masterful use of symbolism, cinematography, and score create a sense of unease and dread throughout the film. Toni Collette delivers a powerful performance as the mother, Annie, whose family is haunted by dark secrets and a sinister presence. The movie’s impact is long-lasting, inspiring discussions and debates among viewers about its meaning and themes. 

From the classic supernatural horror of “The Exorcist” to the post-apocalyptic tension of “A Quiet Place,” these films have captivated audiences with their ability to scare, shock, and thrill. These movies continue to inspire new generations of horror filmmakers and enthusiasts, and their legacy is a testament to the power of storytelling and the enduring appeal of the horror genre.

These are 10 Things That Completely Destroyed The Love in a Relationship

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There’s no question that relationships can be confusing, but here are some of the top things to avoid if you want to keep your relationship healthy!

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We all have a favorite actor or actress, but most of us have a least-favorite as well. Check out this list of actors and actresses people never want to see performing again!

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Some inventions are world-changing, and some of them, well, they change the world in the wrong ways. Here are some of the worst inventions Redditors could think of.

10 Famous Celebrities Who Look Like They Smell Terrible

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We’ve all had moments of hygiene faux pas—but these celebrities just look like they don’t take care of themselves at all.

10 Terrible Fads People Are Glad Died Out

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Every fad has its time in the limelight, but some of them come and go faster than others; and some just need to die out right away. Check out this list of fads of which people were happy to see the last.



About the Author



Dan Williams



Source: financequickfix.com

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Apache is functioning normally

June 9, 2023 by Brett Tams

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You probably know Cash App as an instant payment app that you use whenever you need to send someone money. And that’s because it’s great for this, with some of the lowest fees out there and same-day transfers. You can even send money to people who don’t have a Cash App account, making this a perfect option for sending your technologically-challenged relatives the cash you owe them.

But for all the benefits of using Cash App for peer-to-peer transfers, this is only a fraction of what the app can do. For example, did you know you can also use Cash App to do your taxes? Save money? Invest?

Let’s talk about just a few of the best Cash App features you’ve probably never heard of – and how to get started using them.

What’s Ahead:

Early direct deposit 💰

How many times have you checked your bank account waiting for your paycheck only to be disappointed that it hasn’t landed yet? With Cash App, you can get paid just a little earlier, which can make a lot of difference when money is tight. 

All Cash App users may be eligible to receive their paycheck up to two days earlier than scheduled. 

All you need to do to qualify to get paid early is make sure your account is set up to receive direct deposits from your employer. Then, you don’t have to do anything at all – if your direct deposit can be processed early, it will be. Cash App is able to process some direct deposits more quickly because they take out the pending period after a transaction is approved.

Just know that to get your paycheck faster, your employer has to be on board too. You won’t get it any earlier if there are issues verifying a payment or your company is late paying you.

Debit card 💳

Have you heard of the Cash Card? Normally, we don’t get that excited about debit cards. But this one is different.

The Cash Card by Cash App is a Visa debit card that can be used anywhere Visa is accepted and digitally with Apply Pay and Google Pay. It’s linked to your Cash App account instead of a bank account or debit card and uses your Cash App balance. You can think of it like a prepaid debit card.

The Cash Card requires you to be at least 18 years old to apply on your own, but you can also apply with the help of a parent or guardian if you’re between 13 and 17 years old.

This is an especially good choice for teens because it:

  • Doesn’t charge fees for things like transfers and card customization
  • Prohibits spending at certain merchants like casinos and liquor stores
  • Sets transaction limits for everybody
  • Doesn’t require a separate bank account

If you’re under 18 years old and open this card, you’ll share your account with the adult you recruited to do this solid for you. They’ll be able to see all of your transaction history, block merchants, and even lock your card if needed. To add money to your account, you can ask your parent or guardian to transfer some money to you, deposit cash yourself, or receive direct deposits from an employer. Your balance is FDIC-insured up to $250,000, so you don’t have to worry about security.

You can also use the Cash Card to score discounts, called Cash Boost Discounts, at select merchants. With Cash Boost discounts, you’ll automatically save money on purchases made using your Cash Card if they fall within the offer you’ve added. Since you activate Boosts yourself, you can choose the best one for your spending habits. You can only have one Boost active at a time, but free money is free money. If you shop anywhere often, the savings can be significant.

Tax filing 🧾

If you need help getting your taxes filed correctly and want to be sure you’re getting as much money back as possible, Cash App Taxes can help. This free tax-filing program lets you file all your state and federal taxes online, and it’s available to every Cash App user.

To take advantage of this handy feature, you just need to log into the app and upload any tax forms you have like W2s. Then, you’ll estimate your refund and get your documents filed, with the help of experts if needed. You can even get your refund up to five days early if you opt to have it deposited into your Cash App account.

This service is best for people with pretty simple financial and living situations. For example, if you have just one stream of income and standard deductions, you’d be a perfect fit for using Cash App Taxes.

If your taxes are more complicated and confusing, you might find another type of tax software, with personalized support, to be more appropriate.

Cash App Pay 🛒

Cash App Pay is just another feature you might not have known Cash App had. This service lets you make payments to merchants using your Cash App balance, as long as they’re set up as a Square Seller. Cash App works in-person and online and all you have to do is scan a seller’s QR code to find them. It’s contactless and doesn’t cost you anything extra.

As an added perk, Cash App Pay builds in limited-time offers as an incentive to reach for your phone instead of your wallet when buying stuff. To see what kind of deals are out there, go to the Discover screen of the Cash App. This will show all participating merchants and the discounts they’re giving Cash App users, as well as rules and restrictions. Sometimes, you’ll even find giveaways and sweepstakes you can enter here.

Any available discounts are applied automatically when you check out using Cash App Pay (unfortunately, Cash Card purchases and Boosts don’t count).

Not all merchants accept Cash App as a form of payment, but when they do, definitely think about using this instead of your credit or debit card.

Bitcoin investing ₿

Yes, you can trade bitcoin with Cash App. You can also store it, send it to other people for free, use it for purchases, and more.

If you’ve wanted to dip your toe into crypto but didn’t know where to start, Cash App makes it pretty easy to get into bitcoin investing.

There are three different ways to buy bitcoin: one-time purchases, automatic purchases, and custom orders. 

⚡One-time purchases: For one-time purchases, you’ll use the balance in your Cash App account, which can either come from payments people have sent you or from a linked credit or debit card. These orders are placed immediately and there’s no limit to how many you can make.

🔁 Automatic purchases: For automatic purchases, you’ll need to set up direct deposit for your account and enable the Bitcoin Auto Invest feature. This lets you invest a percentage of your paycheck in bitcoin, but there’s no commitment and you can change the percentage whenever. 

📅 Custom orders: Custom orders essentially let you schedule orders to go through when prices are optimal for you. More experienced crypto investors are likely to appreciate this feature.

Cash App stores your bitcoin for you using cold storage. This means your coins are stored offline to keep them safer from cyber attacks, but you can still access and withdraw them any time you want.

Summary

Cash App is a lot more than just a payment app. If you take full advantage of all its features, it can be a useful finance app to have in your corner (or the corner of your screen). With features to help you save time, save money, and meet your other financial goals, you definitely want to download Cash App if you haven’t already.

And if you do have the app, start poking around to find new ways to use your account. Because chances are, you’re probably not using Cash App for everything you could be.

Read more: 

Source: moneyunder30.com

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Apache is functioning normally

June 9, 2023 by Brett Tams

Celebrities are an interesting bunch. Some celebrities are content to slide under the radar while keeping out of the public spotlight. Others seem hell-bent on traveling down paths of self-destruction, which many believe will ultimately lead to a lengthy stint in jail – or worse. After polling an entertainment forum, for examples, these celebrities have shocked the world by staying out of trouble or simply staying alive!

1. Ozzy Osbourne

Ozzy Osbourne
Image Credit: Shutterstock.

This legendary rocker is still going strong against all odds! As somebody who has dabbled in as many illegal drugs as Ozzy has, countless music fans are shocked that his heart still manages to function. Interestingly enough, according to one fan, his longevity has been such a hot topic of conversation that a team of doctors has vowed to investigate Ozzy – post-mortem!

1. Ozzy Osbourne

Photo Credit: Shutterstock.

“There is literally a team of Cambridge doctors who are investigating how Ozzy is still alive,” the fan reports. “They’ve made arrangements with him to dissect and study his body after death.”

2. Chris Brown

Photo Credit: Shutterstock.

The much-maligned musician found himself in legal and ethical hot water after allegations of abuse by his then-girlfriend Rihanna surfaced in 2009. 

2. Chris Brown

Photo Credit: Shutterstock.

Based on Rihanna’s allegations, music fans worldwide are still stunned that Chris Brown didn’t end up behind bars for a long time. More than one person referenced Rihanna’s photos taken after the alleged abuse, which is unsettling.

3. Bam Margera

Photo Credit: Shutterstock.

The one-time star of MTV’s Jackass TV series has reportedly hit rock bottom in recent years. The party lifestyle has caught up with Bam Margera, and people are bracing for bad news shortly. It’s a sad state of affairs for somebody once on top of the entertainment world.

3. Bam Margera

Photo Credit: Shutterstock.

According to one person who got to know Margera while in rehab, the former star “blames everybody but himself” for his recent misfortunes.

4. Andy Dick

Andy Dick
Image Credit: Shutterstock – Tinseltown

Countless people are shocked that former Hollywood star Andy Dick hasn’t died or gone to jail. The over-the-top comedian-turned-actor made a name for himself by pushing comedic boundaries.

4. Andy Dick

Photo Credit: Shutterstock.

An endless stream of sexual assault allegations later in his life has thrown Andy Dick’s career off track. His rap sheet is a mile long, and we’re with the consensus: how is he still living a life outside of prison?

5. Every Member of Mötley Crüe

Photo Credit: Shutterstock.

It’s no secret that Mötley Crüe was the perfect picture of 1980s rock excess. They played hard and partied even harder, leading many people to wonder how they’re all still alive in 2023.

5. Every Member of Mötley Crüe

Photo Credit: Shutterstock.

Although most of Mötley Crüe suffered serious drug-related emergencies, they’re all alive and well today. Many fans of the band will freely admit that this is shocking.

6. Bill Cosby

Photo Credit: Shutterstock.

After being convicted of drugging a woman, Bill Cosby did spend three years in prison. However, as of 2021, the ex-TV star is free after serving his sentence.

6. Bill Cosby

People around the country are still outraged, as many believe he received nothing more than a “slap on the wrist” for his misdoings. Many also point to the fact that dozens of women have accused Cosby of drugging them, yet only one woman managed to avoid having the charges dismissed.

7. Gary Busey

Photo Credit: Shutterstock.

One fan of the award-winning actor puts it plainly. “He’s living proof that a human body can keep on moving long after the brain has been destroyed,” he states. In 1988, Busey was severely injured in a motorcycle accident.

7. Gary Busey

Photo Credit: Shutterstock.

Gary Busey was not wearing a helmet in the accident and suffered permanent long-term brain damage. However, he’s still alive and well over 35 years later.

8. O.J. Simpson

Photo Credit: Shutterstock.

Of all the celebrities on this list, nobody is more polarizing than O.J. Simpson. After being acquitted of the 1994 murder of his ex-wife and her friend, many worldwide were shocked that he managed to avoid jail time, despite all evidence pointing to him.

8. O.J. Simpson

Photo Credit: Shutterstock.

While O.J. Simpson eventually served time behind bars later in his life for stealing sports memorabilia, he was released from jail and is reasonably active on social media. Nevertheless, many still argue that he hasn’t paid his debt to society.

9. Marilyn Manson

Photo Credit: Shutterstock.

Despite having millions of fans, there is an outspoken minority who can’t believe Manson hasn’t been put behind bars for the rest of his life. “I made the mistake of reading his autobiography years ago,” one person confesses.

“It’s almost 300 pages of him boasting about terrible things he’s done in an ‘I’m such a weird artistic genius’ fashion.”

9. Marilyn Manson

Photo Credit: Shutterstock.

As far as his autobiography goes “I hate to think what his lawyers told him to leave out.” So add Manson to the list of celebrities. We wouldn’t be surprised to be arrested in the next few years.

10. Keith Richards 

Photo Credit: Shutterstock.

Keith Richards from The Rolling Stones is no stranger to saying yes instead of no with substances known to kill a man. However, he’s still kicking and touring.

10. Keith Richards 

Photo Credit: Shutterstock.

One quoted the late Robin Williams, “I know one day we will all be dead and gone, and it’ll be Keith Richards with five cockroaches.”

This thread inspired this post.

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About the Author



Chris Phelan



Source: financequickfix.com

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Apache is functioning normally

June 9, 2023 by Brett Tams

Two years and some change into his presidency, Biden busted out his first veto. On March 20th, 2023, the president shut down an attempt to overturn a retirement investing rule that allows fund managers to factor environmental, social, and governance (ESG) considerations into their decision-making processes.

You’re reading about this here because this veto may have a direct impact on countless investors. That is, if it sticks.

We’re here to unpack what went down, why, and what it might mean for you.

What’s Ahead:

Wait, what is ESG investing? 

Wind turbines in field

Before we dig into the timeline leading up to this veto, let’s cover what ESG actually means.

ESG stands for Environmental, Social, and Governance and ESG investing focuses on companies that have clear initiatives and policies in place within these areas.

Examples of environmental factors include:

  • Energy
  • Waste
  • Emissions and pollution
  • Water usage
  • Natural resource usage

Examples of social factors include:

  • Equal pay and opportunity
  • Ethical sourcing
  • Sexual harassment
  • Health and safety
  • Social justice training

Examples of governance factors include:

  • Leadership diversity
  • Information transparency
  • Business ethics
  • Board structure
  • Anti-corruption measures

For instance, a company committed to going carbon-negative that uses renewable energy sources for power might score high marks in the Environmental category. 

ESG factors are non-financial in nature but can often affect a company’s performance. Historically, fund managers have been able to use these factors to analyze investment opportunities, though the Trump administration put rules in place to discourage this. The Biden administration reversed these.

When members of Congress wanted to go back to restricting the use of ESG, Biden flexed his executive veto power.

What happened

Biden facing forward

Let’s break it down, starting with the rule being disputed.

✔️ December 1, 2022: The U.S. Department of Labor issues a final revision of the “Prudence and Loyalty in Selecting Plan Investments and Exercising Shareholder Rights” rule. It clarifies a point of confusion about the use of material ESG factors by investment fund managers.

This final rule permits fiduciaries to consider climate change and environmental, social, and governance factors when making investment decisions or exercising shareholder rights under the Employee Retirement Income Security Act (ERISA).

Under the first version of this rule, proposed in October 2021, a fiduciary’s duty was to choose investments based solely on “pecuniary considerations.” These were defined as economic factors that directly affect an investment’s risk/return.

Many people wondered whether this included ESG factors. These can have objectives that aren’t strictly financial but effects that definitely are, and it wasn’t clear how fiduciaries were supposed to — or allowed — to handle this. Use ESG? Ignore it? 

The rule was revised to allow ESG considerations to be included as a relevant risk factor as long as fiduciaries act in accordance with their plan’s objectives (i.e. prudently) and keep their plan holders’ best interest in mind (i.e. loyally).

❗ February 7, 2023: H. J .Res. 30 is introduced to the House, sponsored by Representative Andy Barr, by the House Education and the Workforce committee. The committee seeks to nullify the Department of Labor rule.

This bill is decidedly anti-ESG. Supporters want to put the kibosh on the DOL rule because they feel that fund managers should not use ESG factors in their decision-making and that doing so could be harmful to investors. 

✔️ February 28, 2023: H.J.Res. 30 passes the House.

✔️ March 1, 2023: H.J. Res. 30 passes the Senate.

❌ March 20, 2023: Biden vetoes this resolution. The bill does not move forward and the rule remains in place.

Why it happened

Regardless of how you personally feel about ESG investing and whether it’s a positive or negative practice, this veto may impact you. 

Essentially, Biden’s veto was in defense of ESG investing, and the message that accompanied his decision expanded on this. The president stated the following: 

“There is extensive evidence showing that environmental, social, and governance factors can have a material impact on markets, industries, and businesses. But the Republican-led resolution would force retirement managers to ignore these relevant risk factors, disregarding the principles of free markets and jeopardizing the life savings of working families and retirees.” 

His reasoning was that ESG investing is beneficial to investors because it’s realistic. It pays attention to outside factors such as climate change that could have very real impacts on returns for a variety of asset classes. This ultimately provides protection from risk, not increased exposure to it.

Biden’s argument is that allowing managers to make selections more holistically benefits investors. It’s a safer long-term approach to retirement investing since many companies are likely to be impacted by climate change and ESG factors at some point.

Why it matters

Environmental, social, and governance initiatives are unlikely to go away any time soon. In fact, more and more companies are joining the cause with new initiatives and increased transparency. 

When it comes to long-term investing, the goal is to think big picture and reduce risks. But there are two sides to this argument.

The controversy

Supporters of the “Prudence and Loyalty” rule, and now of Biden’s veto, argue that the “big picture” should include ESG factors even though these aren’t exclusively financial because they can have financial impacts. For instance, companies with policies in place to drive social change might garner more business than those that don’t and outperform them.

Opponents of the rule argue that ESG is too politically-charged and pushes an anti-capitalist agenda. Favoring ESG companies in investing could squeeze out other corporations and tilt the market, and this side is concerned that fiduciaries would put too much emphasis on causes rather than numbers (i.e. beliefs > money).

What the veto really means

Fiduciaries are obligated to protect their plan holders’ money. By vetoing this bill, Biden is arguing that ESG investing can help to accomplish this.

Can the bill still pass?

Technically, this isn’t over. There’s still a chance, however slim, that the GOP manages to reverse the rule after all.

But overriding a veto requires a two-thirds majority in Congress, and this is unlikely to happen considering the bill trying to squash the rule was hotly contested.

The takeaway

We’ll be keeping an eye on how this situation unfolds. We’re curious to see if Biden has any other plans for that veto pen, but making political predictions isn’t really what we do here.

Will Biden support ESG initiatives in the future? Maybe, maybe not. Right now, it doesn’t seem like the president is championing anything as much as he is just trying to protect investors.

Read more: 

Source: moneyunder30.com

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Apache is functioning normally

June 8, 2023 by Brett Tams

Movies are great because they can transport us to a world and environment that is different from our day-to-day existence. Some movies take it a step too far, and become a mental gymnastics course for those watching. 

We enjoy these movies and put a lot of value on the storyline and acting. Some of the highest-paid female celebrities are in these films.

1. Mother! 

Image credit: Shutterstock

Mother! Is a lot to wrap your head around. It is an anxiety-producing mind wrenching film.

After watching this film, you may need to meditate and work on your optimism.

Rotten Tomatoes summarizes it with, “There’s no denying that mother! is the thought-provoking product of a singularly ambitious artistic vision, though it may be too unwieldy for mainstream tastes.”

2. The Fifth Element

The Fifth Element was out there for sure. With its 1997 release, it was definitely a weird mix of characters and interest. One Redditor commented, “A bit wierd, but enjoyable nontheless.”

Rotten Tomatoes says, “A hodgepodge of elements that don’t comfortably coalesce.” and “Besson’s futuristic fable is flawed by a messy narrative which strains to incorporate far too many grotesque and eccentric characters.”

3. Being John Malkovich

This film is also out there. One Rotton Tomatoes reviewer said, “Kaufman and Jonze steer us through a truly twisted psychological and existential swamp.”

4. Bone Tomahawk

One Redditor says, “There’s one scene in it that always sticks with me too 😬”

Rotten Tomatoes confirms the consensus that it is in fact out there “Bone Tomahawk’s peculiar genre blend won’t be for everyone, but its gripping performances and a slow-burning story should satisfy those in search of something different.”

5. Sharknado

Image Credit: Shutterstock

Sharknado is intentionally random. Rotten Tomatoes says, “This campy franchise fuses two of the most fearsome destructive natural forces on the planet into a single entity and calls upon a motley crew of survivors to save humanity from its path of carnage.”

Even the movie cover art is has memes on it. It is just the title and then says, “Enough Said!”

While this movie is strange, over the top, and predictable. It is still very entertaining.

6. Uncut Gems

Uncut Gems is a hyper-anxiety-inducing film. To the point where it is actually entertaining to watch.

Rotten  Tomatoes says “The thing that elevates it above all else is the frenetic energy that infuses every scene, yet calibrated so perfectly so that it stays, barely, on the right side of frustrating. There’s nothing more thrilling than that.”

7. Donnie Darko

Image Credit: Shutterstock

One Redditor says “Donnie Darko. Seen it 3 times and I still don’t understand it.” to which another replies, “It makes sense on the 28th time.” This really summarizes the weirdness of Donnie Darko. It is just a lot to get your mind around.

Source: Reddit. 

Image Credit: Shutterstock – Denis Makarenko

Who is one actress you can never stand watching, no matter their role?  After polling the internet, these were the top-voted actresses that people couldn’t stand watching.

10 Actresses People Despise Watching Regardless of Their Role

These 7 Celebrities are Genuinely Good People

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We’ve all heard the famous adage that “no publicity is bad publicity,” and while it tends to be accurate, there are certainly exceptions. But what about those few stars who stay out of the limelight and get along without a hint of trouble? 

These 7 Celebrities are Genuinely Good People

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Have you ever known someone and thought you liked them—until you learned about their hobbies? Then you get to know them and then you’re like, “Wow, red flag.” Well, you’re not alone.

These 10 Activities Are an Immediate Red Flag

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Some celebrities definitely seem to enjoy the limelight and keep working to stay in the public eye. While others quickly move out of the spotlight. Many of these actors and actresses stepped out of the spotlight to live a more private life without constant media pressures.

10 Celebrities That Made the Big Times Then Disappeared Off The Face of the Earth

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We’ve all been there – sitting through a movie that we can’t help but cringe at, but somehow it still manages to hold a special place in our hearts.

These 10 Terrible Movies Are Still People’s Favorites



About the Author



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Apache is functioning normally

June 8, 2023 by Brett Tams

The Dave app is a personal finance service including a bank account with no fees for overdrafts. It doesn’t require a minimum balance, and users can access a short-term $500 advance if necessary.

Users can withdraw from ATMs, and the app sends updates on side-hustle opportunities. It provides notifications to help users manage their money sensibly.

Life has a habit of throwing curveballs, and if you’re like most of us, you’ve found yourself with unexpected expenses when your bank account is running low, putting you in danger of overdraft fees.

Cash advances can be your lifeline in the last week or so before your pay comes in. But many payday lenders charge interest that pulls you deeper into debt.

Dave claims to provide the advance you need until your next paycheck is paid without exorbitant fees. At present, around millions of people are registered with Dave..

Here’s our Dave app review.

What’s Ahead:

What is Dave app?

Three friends were dissatisfied with certain aspects of traditional banking, especially overdraft fees, due to difficulty monitoring monthly expenses and their remaining bank balance.

Backed by celebrity investor Mark Cuban, they developed the Dave cash app as a “David vs. Goliath” solution for the majority of Americans to avoid overdraft fees and exorbitant payday loans.

With Americans paying as much as $12.4 billion in overdraft fees in 2020, such an innovation addressed a real consumer pain point.

Dave app is an entirely mobile platform available for iPhones running iOS (download from Apple App Store) and Android phones (download from Google Play Store). It isn’t available on computers.

Get Dave app here.

Pros and cons

Pros

  • No credit check to qualify
  • ExtraCash™ advances up to $500
  • Easy sign-upprocess and instant access to advances
  • No overdraft fee (settlement cheaper than overdraft fees)
  • No low balance fees
  • Potentially low fee/zero-fee way of borrowing money
  • Very useful for occasional emergency expenses
  • Early direct deposit funds
  • Round-the-clock support from trained financial professionals
  • Dave Spending Account and Dave Debit Card may not be used for internet gambling

Cons

  • Problems with transfers or deposits into your account can result in it becoming overdrawn (this must be rectified within 60 calendar days)
  • $1/month Dave membership fee (although compared to most monthly fees, this is low).
  • Tips are optional, however they are effectively interest on the advance if you choose to leave a tip
  • Instant access to cash advances in your Dave account or another account requires you to pay express fees
  • Dave requires bank account access (if you use it in addition to your existing bank account)
    You must share your Social Security number or Tax Identification Number
  • Using Dave may encourage people to borrow money against future earnings rather than accumulating emergency savings
  • Short repayment terms

How the Dave app works

The Dave app is a fully mobile interface for banking products provided by the financial institution Evolve Bank & Trust, partnering with Dave Inc.

It has two main products: a spending account and Extra Cash. The spending account functions as a checking account and you can get your direct deposit up to two days early if you choose to have your direct deposit sent there.

ExtraCash allows you to get an advance of up to $500 that is paid back automatically on your next payday. For a small fee, you can spend it out of your spending account with your Dave debit card or transfer it to another checking account for free.

Learn more at the Dave app website.

The Dave account: Setting up a bank account

Download the Dave App and link your bank account to determine whether you qualify for an ExtraCash advance.

Dave spending account

This account is Dave’s primary product. Calling it a spending account emphasizes that it is similar to a checking account, without checking. Evolve charges no overdraft fee or low-balance fees.

You can use this account alone or with a linked bank account. The linked account may be a checking account or another type of bank account, such as a savings account.

The Dave Debit Card, backed by Mastercard®, is linked with this account, and you can make debit card purchases with it like with any other debit card and withdraw from MoneyPass® ATMs.

You can use your Dave Debit Card in Canada, Mexico, and the UK to pay or withdraw cash from ATMs; foreign transaction fees apply for both uses as specified in the deposit account agreement.

The app provides you with a Virtual Dave Debit Card on your phone.

The Dave Rewards program, linked to the Dave Debit Card, offers cashback opportunities for spending ExtraCash advances via this card.

Learn more at the Dave app website.

Set up an ExtraCash account

Within the Dave app, will answer some verification questions and then you can set up an ExtraCash Account.

Qualification requirements for an ExtraCash advance

Dave uses a proprietary underwriting model to analyze your bank account for markers of financial health so as not to plunge you into a worse financial position.

This model determines your monthly income, account balance, and typical spending habits and uses this information to decide whether or not you qualify for a advance and how much.
It does not do a credit check with the credit bureaus.

Your bank account must be at least 60 days old, have a minimum of three recurring deposits, and monthly deposits must total at least $1,000.

You must also verify your identity.

You may use the money for rent, gas, buying a Black Friday special, attending a friend’s wedding, and other personal and household expenses that can’t wait till the next payday.

However, you may not cover business or educational expenses with this money.

Does Dave app give you money instantly?

When requesting a advance from Dave’s ExtraCash account, you can elect to send money to any account you wish at no charge (but a two to three business day period to clear), or you can access funds instantly.

With express delivery, you can send it to your Dave Account, where it is available within minutes, or to an external bank account and external debit card, within an hour.

However, this instant access to cash requires you to pay an express fee that depends on the amount of the transfer money, with transfers to external bank accounts costing more than those to a Dave Spending Account.

How much eoes Dave let you advance?

The service has gradually increased the advance amount. Although a maximum of $75 is often quoted online, this amount is outdated, and the current maximum advance Dave offers is $500.

The average cash advance offered as of October 10, 2022, was $120. Eligibility on your account resets at midnight.

Learn more at the Dave app website.

How long do you have to pay Dave back?

When you take an advance, your ExtraCash Account balance goes into the negative; the agreement between you and Dave is that you will return the balance in this account to $0 (settle the account).

If you have a fixed pay period, you will be required to settle on your paydays; should you have no fixed pay period, you must usually settle on the nearest Friday after you take the advance.
Users who cannot settle at these times incur no late fees for settling later; the platform may take partial payments to cover the amount advanced.

Once your settlement has reflected, bringing the balance back to $0, you could beeligible for another advance. You can have a positive balance in your ExtraCash account, up to a maximum of $500.

How much must you pay back to Dave?

On your settlement date, or as soon as possible afterward, you must repay the advance, any express fee for immediate access to cash, and a tip (the app defaults to 10%; you can set it to anything between 0% and 25%).

This tip allows you to reward Dave for helping you while remaining in control of your expenses. A portion of your tip goes to Feeding America, which feeds the hungry via a network of community food banks.

In addition, Dave charges a monthly fee of $1. As a result, these are not entirely free advances, but they are still more affordable advances than traditional payday loans.

Dave app features

The app has several useful features for savers. Let’s take a look.

Insights

Insights provide automatic account monitoring that analyzes your paycheck or wages, monthly debits for rent, utilities, and other services, and your monthly average spend on things like gas and food.

You can also manually add expenses to the tool. The budgeting tools let you view your budget and see how much you can still spend before your next paycheck is paid into your savings account.

Dave’s notification services can send you a warning text if a bill could put you in danger of an overdraft fee.

Learn more at the Dave app website.

Side hustle

If you regularly find yourself anxiously waiting for the next payday to come, why not take on a side job to earn a bit more money?

Dave has partnered with scores of partner businesses that offer flexible, local jobs in your area through Dave’s Side Hustle feature. You can also fill out Dave Surveys and get paid for each survey completed.

Early direct deposit

Depending on your employer’s specific payroll policies, Dave may be able to get you access to your paycheck up to two days early via an early direct deposit.

Dave app fees

For a $1 monthly membership fee, Dave analyzes your spending patterns to predict whether you’re in danger of becoming overdrawn and avoid an overdraft fee by giving you a advance of up to $5o0.

The app itself has no minimum balance requirement, late fees, or overdraft fees (although it is possible for your account to become overdrawn).

You can withdraw money at 37 thousand MoneyPass ATMs nationwide, with no ATM fees.
When repaying advances (a process referred to by Dave as settlement), you are encouraged to leave a tip (between 1% and 25% of the advance amount).

Learn more at the Dave app website.

What people are saying about Dave app: Customer reviews

The Dave app has 575.8k ratings on Apple App Store, with an average rating of five stars. On Google Play Store, 426k people have rated this app, with an average rating of four-and-a-half stars.

Is Dave right for you?

Being a Dave member can be very useful if you have occasional small emergency expenses; you can use the advances instead of personal loans that would take longer to apply for and access.

It is also a money-saver when you use it to avoid overdraft fees that would otherwise gobble up an appreciable chunk of your pay.

However, using it as an adjunct to an emergency savings account is best.

Ensure that your next paycheck will cover the settlement and your monthly expenses and that you have a checking account that receives recurring direct deposits.

Get started with the Dave app.

Who the Dave app isn’t right for

The Dave app isn’t right for everyone. If you know you have a habit of spending more money than you earn, you should know that the app isn’t a quick fix for these habits.
Dave’s advance feature is also not ideal if you need same-day cash with low repayments (due to the express fees Dave charges). Same-day personal loans are probably a better solution in this case.

If you need a longer repayment term than the service offers, personal loans or a credit card are a better option.

Some people prefer not to share their bank account details, Tax Identification Number, or Social Security number with Dave.

Is Dave a trustworthy app?

Dave uses various banking-level security measures, such as 2048-bit encryption, to protect data transmission (including your SSN and password). Banking credentials are used once for authentication purposes.

The data center housing the Dave servers is monitored by security personnel around the clock. Independent security experts are engaged to assess and test site security.

FDIC insures every account up to $250,000.

Get started with the Dave app.

Dave vs. other cash advance apps

Here’s a quick comparison of the app versus similar services.

Dave vs. Earnin

Earnin gives cash advances up to $500/month, but its fees are not transparent.

Earnin also requires users to provide an electronic timesheet or geographic location data to confirm that they’ve been working.

Here’s our full Earnin review.

Dave vs. Brigit

Brigit also offers budgeting tools and cash advances up to $250. However, its monthly fee is $9.99, and its encryption is only 256-bit.

Learn more at Brigit.

Dave vs. Branch

Branch offers advances up to $150/day or a maximum of $500 of your paycheck, but you may not work remotely.

Learn more at Branch.

Summary

The Dave app provides a basic yet effective debit account with a low monthly fee, an associated debit card, an insightful budgeting tool, and advances that help you pay for an emergency or avoid overdraft fees.

Download the app and sign up today!

*ExtraCash™ is a DDA account with overdraft utility, advances are subject to eligibility requirements and identity verification. Taking an ExtraCash™ advance will make your account balance negative. Express delivery fees apply to instant transfers. Average approved advance is $120 as of October 10, 2022. See the Extra Cash Account Agreement for more details.

**Early access to direct deposit funds depends on timing and availability of the payroll files sent from your employer. These funds can be made available up to 2 days in advance.

Source: moneyunder30.com

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Apache is functioning normally

June 7, 2023 by Brett Tams

Maintaining a healthy diet can be challenging, especially when it comes to snacking. However, incorporating the right snacks into your diet can help you achieve your goals by keeping you fuller for longer and preventing overeating at mealtimes. Here are some unusual snacks that fight off hunger and keep you full and satisfied!

Photo Credit: Shutterstock.

This is a popular Brazilian street food consisting of a chicken and cream cheese croquette shaped like a chicken drumstick, breaded and deep-fried. It originated around São Paulo in the 19th century and is now one of the country’s most popular savory appetizers. While there are legends surrounding its origin, it was most likely invented during São Paulo’s industrialization period as a cost-effective and durable snack for factory workers. Coxinha is loved for its crispy exterior and savory filling and is a staple in Brazilian cuisine.

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Groundnuts, or peanuts, are a popular snack and appetizer that can help suppress hunger due to their high protein and fiber content. These nutrients provide various health benefits such as regulating blood sugar levels, aiding digestion, and reducing the risk of certain diseases. Groundnuts are versatile food items that can be incorporated into different dishes and are also an excellent source of vitamins and minerals. Overall, adding groundnuts to your diet can improve your health and help maintain a healthy weight.

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Greek yogurt is made by fermenting milk with live bacteria cultures and then straining the mixture through a cheesecloth or fine mesh sieve to remove the liquid whey. This process removes some of the lactose, making Greek yogurt a good option for those who are lactose sensitive. It is also higher in protein and lower in sugar than traditional yogurt. Greek yogurt can be eaten plain or used as a base for dips, sauces, and dressings. It is also commonly used in baking and cooking as a substitute for sour cream or mayonnaise.

Photo Credit: Shutterstock.

Pita chips are snacks made from pieces of pita bread that are baked or fried until crispy. They are usually seasoned with salt, herbs, or spices to enhance their flavor. Pita chips can be eaten on their own as a snack or served with dips, such as hummus or tzatziki. They are a popular alternative to potato chips and other traditional snacks and are often marketed as a healthier option due to their lower fat content and higher fiber content. Pita chips are found in many grocery stores and are easy to make at home by cutting pita bread into wedges, brushing them with olive oil and seasoning, and baking them in the oven until crispy.

Photo Credit: Shutterstock.

Moin-moin, also known as moimoi, is a delectable bean pudding that is traditionally prepared by steaming or boiling a mixture of washed and peeled black-eyed beans, combined with onions, fresh ground red peppers, spices, and a choice of protein such as fish, egg, or crayfish. Originating from the culturally rich region of Yorubaland in Nigeria, Benin, and Togo, this protein-rich food is widely consumed and regarded as a staple.

Photo Credit: Shutterstock.

Garri is a beloved and versatile food in Nigeria that transcends class boundaries. Dubbed “edible gold,” it is a cherished commodity that doesn’t require arduous extraction processes or costly expeditions to obtain. In West Africa, garri is a creamy and granular flour made from processing freshly harvested cassava roots. It is readily available in markets across Nigeria and sold by numerous vendors in different packaging options. Renowned as an energy booster, garri is a go-to food for students as it is affordable and easy to prepare—simply add milk, water, and sugar. Garri can be paired with a variety of soups to create a satisfying and nutritious meal.

Photo Credit: Shutterstock.

Sfenj is a variety of fried doughnuts popular in North Africa, particularly in Morocco and Algeria. Sfenj is prepared from a simple dough that is made from flour, water, yeast, and salt. The dough is then shaped into a ring or a spiral and fried in hot oil until it is crispy and golden brown. Sfenj is often served as a breakfast pastry or as a snack, and it can be enjoyed plain or with a variety of toppings such as honey, jam, or Nutella.

Photo Credit: Shutterstock.

Originating from the Indian subcontinent, Murukku is a savory snack that has gained popularity in various South Asian countries and regions, including Sri Lanka, Malaysia, and Singapore. To prepare this delectable snack, a blend of rice flour, urad dal flour, and a mixture of spices like cumin seeds, sesame seeds, and red chili powder is combined and shaped into a pretzel-like or spiral form. After shaping, the snack is deep-fried until it turns crispy. Murukku can be enjoyed on its own or paired with chutney, salsa, or other condiments. It is a popular snack, especially during festivals and other celebrations in South Asia.

Photo Credit: Shutterstock.

Dapo Kolo is a popular snack in Ethiopia and Eritrea. It is made from a mixture of flour, water, and spices, such as cumin, fenugreek, and coriander. The dough is rolled into small balls, which are then baked or fried until they are crispy and golden brown. Dapo Kolo is often eaten as a snack with tea or coffee, and it is also served as a side dish with stews and other savory dishes. The snack is known for its crunchy texture and spicy flavor, which makes it a popular choice among locals and visitors alike.

Photo Credit: Shutterstock.

Plantains are a type of banana that are typically larger and starchier than the sweet bananas that most people are familiar with. Plantain chips are a common snack in many countries in Latin America, the Caribbean, and West Africa, and they are often served as a side dish or appetizer. Plantain chips can be seasoned with a variety of spices and flavors, such as salt, pepper, garlic, and chili powder, among others. They can be enjoyed on their own as a crunchy snack, or they can be used as a substitute for potato chips in many recipes.

From coxinha to garri to Greek yogurt, these snacks offer a range of flavors and textures to suit different tastes. By choosing snacks that are high in protein and fiber, you can stay full longer and feel more satisfied throughout the day. Next time you’re feeling hungry, reach for one of these delicious and healthy options!

These are 10 Things That Completely Destroyed The Love in a Relationship

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There’s no question that relationships can be confusing, but here are some of the top things to avoid if you want to keep your relationship healthy!

10 Actors and Actresses People Refuse to Watch Ever Again

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We all have a favorite actor or actress, but most of us have a least-favorite as well. Check out this list of actors and actresses people never want to see performing again!

Top 10 Worst Human Inventions of All Time

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Some inventions are world-changing, and some of them, well, they change the world in the wrong ways. Here are some of the worst inventions Redditors could think of.

10 Famous Celebrities Who Look Like They Smell Terrible

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We’ve all had moments of hygiene faux pas—but these celebrities just look like they don’t take care of themselves at all.

10 Terrible Fads People Are Glad Died Out

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Every fad has its time in the limelight, but some of them come and go faster than others; and some just need to die out right away. Check out this list of fads of which people were happy to see the last.



About the Author



Dan Williams



Source: financequickfix.com

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Apache is functioning normally

June 7, 2023 by Brett Tams

Weddings are a big deal. You plan them for months or even years and invite everyone you know, then you have the highly-anticipated, heavily-photographed event and they all live happily ever after. (Cue the end credits.)

So much goes on behind the scenes before the big day, as anyone who’s ever attended or been in a wedding should know. But what you don’t really find out until you plan one for yourself is just how expensive and wasteful they can be. 

What’s Ahead:

The true cost of a wedding

When I was planning my wedding between 2018 and 2019, I learned pretty quickly what weddings actually cost. And I’m not just talking about the bill. 

Each year in the U.S., couples spend thousands of dollars on average on their weddings. In 2022, the national average price of a wedding was around $30,000, according to The Knot. Of course, these averages vary by state and city but could be much higher. And destination weddings can add another several thousand onto your final total.

And every year, these averages go up.

I didn’t know any of this when I got engaged. But once I started actually planning and crunching the numbers using quotes from vendors and venues, I realized that there was no way I could afford the “average wedding,” and I wasn’t sure I wanted to. 

Creating my lists also had me thinking about how all of these different “to-do” items would eventually become “to-dump” items. Those flowers would have to go somewhere, right? The table decorations would need to be disposed of, the cards tossed, and the wrapping paper from the gifts thrown in the trash. 

So I decided to try to do things a little differently. Both out of necessity because I was poor when we got married – like still in college, barely 22 years old poor – and out of a desire to be eco-friendy. 

I’m going to share seven real ways I made my wedding greener and some ideas for making your big day low(er)-waste too.

Read more: Are you financially ready to get engaged?

1. Swap the flowers

Sola wood flower bouquet

My flower total: $94.55

Swapping real flowers for sola wood, paper, fabric, or anything else that will last is a smart place to start. Because the fact of the matter is, flowers are incredibly expensive. And then they wilt and die, as cut plants are prone to doing.

For my flowers, I opted for sola wood. This is a material that comes from tapioca that can be treated and shaped almost like paper. It’s lightweight and looks darn close to the real thing.

I found a shop on Etsy that sold individual sola wood flowers in a bunch of different colors and varieties, and I used 24 of these for my bridal party. For myself, I purchased a pre-made sola bouquet from another store so I didn’t have to cobble one together. 

The great part about using sola or another material for your flowers isn’t just that it’s inexpensive but also that you get a keepsake.

I let my bridesmaids keep theirs as a memento and I have the leftovers in vases.

For me, that was it in the way of flowers. I used other decorations for everything else, including repurposed antiques and some DIY items. But there’s nothing saying you couldn’t go all out with the sola since it’s a fraction of the cost of live flowers.

Tip: Purchase sola flowers in large quantities to save even more, and buy them early so you can match them to your other decorations and customize them.

2. Buy your dress secondhand

My dress total: $700 (without alterations)

I know, I know. This one is a harder sell. Many brides have very clear visions in their heads about how they want their dresses to look and make them feel, and purchasing secondhand limits your options. Plus, thrifting a top or a pair of jeans is different from thrifting one of the most important outfits of your life.

But hear me out. No one is going to know someone else wore your dress before you. Wedding dresses usually get worn once, maybe twice, before collecting dust. And creating gowns is so labor and resource intensive that even repurposing one has an impact.

For my dress, I went to The Brides Project in Ann Arbor, Michigan. This is a nonprofit bridal boutique that collects donated dresses, sells them, and uses the profits for charitable causes. The Brides Project donates to the Cancer Support Community of Greater Ann Arbor and everyone who works there is a volunteer. 

Buying secondhand saves serious money and prevents a dress from being wasted. At the end of the day, I spent $700 on my dress and I loved it. This was in 2018 when the average cost of a wedding gown was right around $1,750. 

Tip: If you don’t have access to a secondhand bridal shop, check out your local consignment and thrift stores, go on eBay and Poshmark, or browse a marketplace specializing in pre-owned bridal gowns.

Secondhand marketplaces include:

Point is, you’ve got options.

3. Use one venue

Wedding venue with dance floor and tables and chairs set up

My venue total: $1,850

If you can find a venue with enough room for both your ceremony and reception, book it. This is one of the best decisions we made. Venue rental fees will eat up a big chunk of your budget no matter where you go, but choosing one for the whole event can help you save a little money and make things easier on yourself – and your guests.

With one venue, nobody has to kill time in between, you don’t have to get multiple places set up, and you don’t need to pay for twice the decorations. You save your elderly relatives from climbing into a car more than necessary and nobody gets lost.

This creates less waste and simplifies your planning. Plus, without all those cars on the road getting from one place to another, you’re not responsible for as many carbon emissions.

Tip: To pull this off, you have to love whatever venue you choose. Rather than picking a “blank canvas” venue you’d have to style from floor to ceiling, consider one with some personality. If you choose a place that suits your style, you don’t need to do as much decorating. 

We got married in a city club that had vintage art, furniture, and accents throughout, and our wedding was in spring when the flowers were blooming. It felt timeless and setup was minimal.

Overall, highly recommend. 

4. Skip (some of) the cards

My card total: $117.19

Physical engagement announcements, save-the-dates, invitations, and programs are nice to look at. But that’s a lot of material that’s probably just going to get recycled. And wow is it pricey.

The only paper I purchased was invitations and RSVPs. We ordered these from Paper Culture, a company that creates custom eco-friendly cards using recycled paper and bamboo. 

The cards included links to our wedding website where people could RSVP and find out everything they needed to about the event. We did receive some physical RSVPs back, but the majority of our guests used the website to “joyfully accept” or “regretfully decline.”

There are so many wedding planning websites and apps that organize everything from responses to registries in one place. You can pretty much skip most of the cards if you want to.

Great wedding websites include: 

  • The Knot
  • Zola
  • Joy
  • WeddingWire

Tip: Send invitations a little earlier than recommended if you’re doing digital. This will give guests more time to “save the date” and you more time to track down RSVPs. And you might need to give your tech-averse relatives a call if they don’t respond.

As for programs, you might not need them. I wrote down the schedule of events with times on an extra-large mirror (that I got on sale for $35) and displayed this centrally at the venue. I still have this mirror today, with the writing on it, on my wall.

Bonus tip: Not everybody needs a plus-one

Maybe this seems selfish, but we gave out plus-ones very sparingly. If we had met a person’s significant other, they were invited. Otherwise, we didn’t really want to give them hugs in the receiving line or pay for their dinner.

We made a note on the RSVPs that if someone wanted to request a plus-one they could, but no one actually did this. People get it. 

5. Choose food wisely 

Appetizers on trays and stands at wedding

My food total: $3,077.50

For many couples, the food and drink bill ends up being the biggest. The Knot 2022 Real Weddings Study found that the average food bill for a wedding comes out to $75 per person. 

But most people don’t go to a wedding for the food. In fact, this is often the worst part (just stating facts). Don’t put too much pressure on the meal you’re serving to be a highlight of the day or evening, and don’t fork over more cash than necessary.

That said, we decided to do a menu of just appetizers. We ordered enough that everybody would be able to pile their plates with several individual bites and have plenty to eat, but not so many that we’d have leftovers to deal with. 

Every venue is different, but ours charged a per-plate or per-head price on dinners and a per-item price on appetizers (or hors d’oeuvres if you want to be fancy). By choosing apps instead of plates, we saved a ton of money and gave our guests more options. They were able to enjoy dinner-sized portions and we still hear from people about how fun this was.

Tip: Some venues require you to use their caterers and might place a minimum on how much you need to order. Try to get this information before signing a contract to rent a venue. And if your venue doesn’t offer appetizers or you’re not into the whole strolling dinner thing, buffet-style meals can be an economical alternative to plated dinners.

For 130 guests, we could have spent over $9,000 going the traditional route. I’m glad we didn’t.

6. Ask for money

It’s not weird anymore to tell people you just want cash.

Especially if you and your partner already have most of the things you need or have been living together for a while, chances are you don’t need a gift from everybody coming to your wedding. Feel free to ask for money.

Many wedding planning websites have built-in options for collecting cash contributions (we called ours the “Honeymoon Fund” but I’ve also seen “Newlywed Fund”). This is easier for your guests because they can just virtually send cash without having to buy and wrap a gift and better for you because you can get what you really need. Bonus, there are no boxes or piles of wrapping paper to get rid of.

Tip: Don’t worry about offending anyone. A lot of your guests have been in your shoes. They know weddings are expensive and would probably be more than happy to help you out this way instead of buying you a pan or sheet set.

7. Rethink the diamond

My ring total: $2,000

Okay, so this one isn’t technically for the wedding. But it’s important.

Consider an alternative to a diamond engagement ring if you’re planning to get engaged. There are much more sustainable options out there than the standard diamond, and ones that won’t break the bank.

Moissanite is one of the trendiest non-diamond stones but precious gems like sapphires, emeralds, morganite, and opal can be fantastic choices for couples looking to save money. 

And if you love traditional diamonds, that’s great too! There are so many ways to buy diamond rings that don’t involve going to a big box store.

Tip: Antique shops and estate sales are perfect for finding vintage rings and many online retailers carry gorgeous rings without the markups you typically see. Try Blue Nile for discounted conflict-free diamonds.

You can also choose an “imperfect” diamond. This is what I did. I have a salt-and-pepper diamond from Alexis Russell and it’s pretty perfect to me. It’s certified conflict-free and made with recycled gold. 

When I got engaged in 2018, my husband spent $2,000 on this ring. That year, couples were spending over $7,800 on average for engagement rings. 

Read more: Where’s the best place to buy diamonds? 

When to splurge

The great thing about getting married is that you get to do what you want. It’s your day. 

You and your partner can strive for a greener wedding if you feel compelled, and that can look however you want it to look. Compromising in some areas and splurging in others is the best way to have the wedding you’ve been dreaming of without too much guilt or sticker shock.

You should splurge on the parts of your wedding that matter most to you and your partner, and try to save on the things that don’t. For example, maybe you love fresh flowers. You can’t imagine a wedding without fresh flowers, so you get these and rent the rest of your decorations or buy them used.

Or maybe the pictures are most important to you. To balance out this cost, maybe you serve cupcakes or cookies instead of a tiered wedding cake. 

There are no wrong answers, as long as you’re doing what makes you happy.

Bottom line

The wedding industry is due for a shake-up, and enough people making tiny changes to their big days could have a huge impact on the planet.

With careful planning and some compromises, we were able to completely recoup what we spent on our wedding in gifts and cash contributions. That means we got married without debt, and that was worth celebrating in and of itself.

Our wedding was by no means the most eco-friendly it could have been. And if I were to plan it again today, I’d probably try to do better. But I feel good about the little changes we did make.

Read more: 

Source: moneyunder30.com

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