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[ad_1] These fun kid’s books would make great gifts! Woohoo! This HOT deal is back, but this time it’s focused on books for kids! For a limited time, Amazon is running a big Buy 2, Get 1 Free Sale on a huge selection of books for kids! No promo code needed. Just add three books to your cart and one of them will automatically be free. This is a RARE offer and is a perfect time to grab some of your kids’ favorite books to give as gifts! There are over 1000 book titles to choose from for all ages — including board books, chapter books, middle school books, and even young adult books! The offer also includes a select few toys, games, household products, and more. You can click on “books” on the left sidebar to see just the book titles. Looking for book recommendations? Here are a couple of books included in the sale that we’ve read and enjoyed in the past: Pat The Bunny — Jesse’s parents gave Kierstyn this book recently and we’ve loved it. I guess it’s sold over 6 million copies… but I’d never even heard of it! It’s a sweet and interactive book and one we’ve read again and again to the babies in the few weeks we’ve had it. Goodnight Moon — This was one of Silas’ favorite books when he was little and he was so excited to get to introduce it to the babies. They love this book already and we’ve read it over and over again! I think this is a perfect book to introduce to little babies because the pictures are so engaging, the story is short, and it’s fun and rhyming. The sale also includes several popular chapter books, middle school literature, & young adult titles: The Giving Tree Junie B. Jones’s First Boxed Set Ever! (Books 1-4) The One and Only Ivan Charlotte’s Web You can also choose from TONS of popular children’s books! Here are just a few examples: We are the Gardeners Brown Bear, Brown Bear, What Do You See? The Wonderful Things You Will Be Llama Llama I Love You Giraffes Can’t Dance Dragons Love Tacos Where the Wild Things Are The Pout-Pout Fish Chicka Chicka Boom Boom Go here to browse all the books included in this sale. Sign up for a free trial of Amazon Prime to get guaranteed FREE two-day shipping (and possibly one-day or same-day shipping!). And don’t forget you can sign up for Swagbucks to earn free gift cards to use on deals on Amazon. [ad_2] Source link

[ad_1] Biden touts importance of U.S. trucking [ad_2] Source link

[ad_1] Lucknow Super Giants paid 25 times more than his base price of Rs 20 lakh to get Avesh Khan’s services in IPL-15. The move was worth it as his excellent bowling acted as the catalyst for his team’s 12-run win over Sunrisers Hyderabad here on Monday. Heading into the lucrative T20 league as the most expensive uncapped Indian player, Avesh picked up four big wickets for only 24 runs and bowled a brilliant 18th over to turn the match decisively in LSG’s favour. Asked to bat first, skipper KL Rahul and Deepak Hooda struck useful half-centuries to lift Lucknow Super Giants to 169 for seven after a disastrous start. Chasing 170, Kane Williamson’s (16) innovation brought him two fours and a six but he paid the price for going overboard, his ramp shot off Avesh finding a sliding Andrew Tye at short fine leg in the fourth over with SRH score reading 25 for one. Avesh brought about Abhishek Sharma’s downfall with a change in pace as the batter failed to read it while trying to loft him. As Sharma made his way back to the dugout, last-game’s half centurion Aiden Markram walked out to join Rahul Tripathi in the middle, and the two began rebuilding the SRH innings. Placed at 51 for two at the end of the seventh over, Tripathi used Tye’s pace to hit the Australian bowler for three fours and then, using his wrists, smashed Krunal Pandya (2/27) for a six over fine leg. A quite 10th over was, however, followed by the dismissal of Markram, the bowler being Krunal. Going strong at 44 off 30 balls, Tripathi tried to slog sweep Krunal and hit straight to deep mid-wicket, where Ravi Bishnoi was stationed. Nicholas Pooran smashed Krunal over long-on for six and then carted Jason Holder (3/34) for 15 runs to bring the equation down to 50 form the last 30 balls. Andrew Tye kept it fairly tight in the 17th over, giving not more than eight runs, before Pooran hoicked Avesh Khan over deep square leg for a maximum. However, Avesh had the last laugh as Pooran mistimed his knee-high full toss. Earlier, after his team lost three wickets for just 27 runs in the powerplay, Rahul (68 off 50 balls) found an able ally in Hooda (51 off 33 balls) and added 87 runs for the fourth wicket to revive the innings. Rahul hit six fours and a six, while Hooda found the fence three times and also cleared it thrice. Coming back from a long break after playing their opener last Tuesday, SRH made a dream start and left the Super Giants in all sorts of trouble early on. Making a strong comeback after the pounding in his team’s heavy defeat against Rajasthan Royals, Washington Sundar (2/28) was handed the new ball and he delivered in his very first over, and SRH’s second, dismissing the dangerous Quinton de Kock with his off-break bowling on a grassy pitch that prompted Kane Williamson to put two slips when Bhuvneshwar Kumar started the proceedings. Backed to bowl in the powerplay despite going for plenty in the previous game, Washington got de Kock (1) to chip one to Williamson at cover. Few moments later, Washington had Evin Lewis (1) trapped in front of the wicket after the swashbuckling West Indian batter failed to execute his slog sweep. It was another huge wicket for SRH given Lewis’ blazing, match-winning knock against Chennai Super Kings last Thursday. Manish Pandey struck Romario Shepherd for a four and a six but then, going for one too many, ended up lobbing a catch to mid-on in the same over to leave LSG in a spot of bother. Spurred by the early success, Williamson effected bowling changes frequently but he may have delayed by at least an over in introducing the attacking T Natarajan while opting for Abdul Samad’s innocuous, part-time seam up stuff at the DY Patil Stadium. The pacy Umran Malik consistently hit 145 kmps but also leaked plenty of runs, allowing KL Rahul and Deepak Hooda to settle down and revive LSG’s innings. Having withstood the early reverses, the duo of Rahul and Hooda went about their task in a professional manner, finding the boundaries as well as running the singles and twos as the 100 came up in the 14th over with Malik going for 16 runs. Shepherd broke the partnership when he had Hooda caught in the deep to signal the arrival of the in-form Ayush Badoni (19 off 12), who got into the groove with a boundary. [ad_2] Source link

[ad_1] South Carolina-based Movement Mortgage laid off around 170 employees in March, another case of a top-25 mortgage lender paring back its workforce due to a more challenging origination landscape.  Pink slips are arriving to between 165 and 170 operational employees across the country, including professionals in the processing, underwriting and closing areas, multiple company sources told HousingWire.   Movement did not respond to multiple requests for comment. Founded in 2008, Movement Mortgage focuses on providing loans quickly and easily to homebuyers, with a network of loan officers in more than 775 locations nationwide, and more than 4,500 employees, the company’s website shows.   The retail lender has historically focused on purchase loans, but, like many lenders, built up an infrastructure over the last two years to originate more refinances in a lower interest rates landscape.  In total, the company originated $33.1 billion in 2021, up 10.7% compared to the previous year, according to Inside Mortgage Finance. However, originations fell 0.7% between the third and fourth quarter, to $8.2 billion.  Movement Mortgage ranked as the 24th largest mortgage lenders in the country in 2021, per IMF data.  The latest pink slip wave represents the second large-scale layoff Movement has made in the last five years. Movement cut 180 jobs in 2018 due to a nationwide downturn in the housing and mortgage market. In a note, the company cited lower mortgage origination forecasts for 2019, rising interest rates and low housing inventory among the reasons for the layoffs.    Sound familiar? On Friday, the average mortgage rate was 4.9%, according to rate lock data from Black Knight’s Optimal Blue OBMMI index. Mortgage rates are climbing amid rising inflation, war in Ukraine, and disruptions to the supply chain, and there’s no sign that they’ll fall anytime soon. The Federal Reserve is expected to make six more rate hikes in 2022, and some Fed watchers believe the central bank will raise rates by 50 basis points several times. The higher-rate landscape is affecting all mortgage companies. Despite a decline in origination, the largest nonbank players, like Rocket Mortgage, United Wholesale Mortgage, loanDepot have a cash cushion due to the historic years of 2020 and 2021. Others aren’t as fortunate. Digital lender Better.com, which rocketed to the top 25 by making a killing with refis, has laid off 3,000 employees. Other refi-centric lenders, such as Interactive Mortgage, recently cut 51 jobs. Freedom Mortgage also cut jobs at its Fort Mill, South Carolina location in late 2021, as HousingWire previously reported. The post Movement Mortgage lays off 170 employees appeared first on HousingWire. [ad_2] Source link

[ad_1] The post How to Live Within Your Means for Financial Independence appeared first on Millennial Money. You’ve most likely heard this formula for financial independence: Live within your means by cutting your expenses, increasing your income, and investing the difference.  When you live within your means, you can break the paycheck-to-paycheck cycle, get out of debt, prepare for emergencies, and invest more for retirement. In other words, it’s crucial if you want to achieve financial freedom. Here are some tips and tricks to help you live within your means.  Why Is Living Within Your Means Important? Living within your means involves making sure that your expenses are less than your income.  Of course, the best way to figure out if you’re spending less than you make is by tracking your expenses. There are plenty of apps that can help you get started with expense tracking.  If you haven’t started tracking your expenses yet, I highly recommend it. When I started my journey to financial freedom, I made expense tracking my first step. Two of the biggest benefits of living within your means are becoming debt-free faster and breaking the paycheck-to-paycheck cycle. Let’s explore them a little more. Kick Debt to the Curb Living within your means can help you pay off your student loan and credit card debt — and then keep you out of the debt cycle. As you trim your expenses, you can start paying more than the minimum amount on your debts. This will help you to pay off your debt, rather than paying an endless cycle of interest charges.  When I use a credit card, I make sure to pay my balance in full right away. I’ve only lost $5 to interest — and you can bet I’ll never make that mistake again. I also use my credit card rewards to help invest for my retirement. My rewards are automatically added to my Roth IRA and invested.  If you do need to use your credit card for emergencies, make sure you have an emergency fund in a savings or checking account that can cover your credit card bill. That way, you’re not paying interest on an emergency.  Break the Paycheck-to-Paycheck Cycle If you find yourself barely scraping by when payday rolls around, you’re not alone. In a recent survey of 3,000 Americans, over 61% reported living paycheck to paycheck.  The best way to break the paycheck-to-paycheck cycle is to understand your cash flow. Your cash flow is your income coming in minus your expenses going out. If your monthly income is $2,500 and you spend $2,300, your cash flow is $200.   If your cash flow is negative, you’re spending more than your income. The problem with a negative cash flow is that you’re “borrowing” from your next source of income.  Other issues of living beyond your means can include: Falling behind on monthly expenses Late fees Low balance fees Possible eviction Repossession of financed items Bigger emergencies If your goal is financial freedom, you will need to increase your cash flow as much as you can. A greater cash flow means you start investing. And the sooner you start investing, the better. Investing sooner allows you to harness the power of compound growth.  Why Financial Freedom? Why make financial freedom a goal? Everyone has a different motive for wanting to live on their own terms and not worry about money. I’m pursuing financial freedom to do more things I enjoy, like traveling. And since I started living within my means, I’ve been able to fund a lifestyle change and move in with my significant other. The freedom of my savings allows me to find flexibility through freelance work.  How would financial freedom change your lifestyle? Are you looking to get more of your time back? Would you like to travel more? How about spending more time with your family?  Learn More: A Guide to Financial Freedom Success How Overcoming a Scarcity Mindset Will Lead You to Financial Freedom What Is the Financial Freedom Movement? Everything You Need to Know about Achieving Financial Freedom How Do You Live Within Your Means? There are many ways to live within your means. However, not all tips will apply. Since our means are different, some of my suggestions may not apply to you.  Four categories create the bulk of my monthly expenses: Housing, Transportation, Food, and Debt. If you can cut large portions of these categories, living within your means will become less difficult.  There are also themes and ideas that you can implement to live within your means, such as Frugality, Minimalism, Couponing, and Budgeting. These themes reoccur often in the financial independence community.  Housing I’ve been able to keep my housing expenses around 25% of my net income. That’s because I lucked out and live in a low-cost area. And before I started freelancing, I also had a short commute to work.  Even if your housing expenses are around 30% of your income, you can still live within your means. If you can, try lowering your utility bills or save on other housing expenses.  Transportation The downside of the low-cost living area is that public transportation is not great — aka nonexistent. Since there’s no public transportation whatsoever, I need a car.  I bought a modest 2018 Toyota Corolla with car payments below the national average of $500. And the gas mileage on the Corolla has been a lifesaver, especially because my significant other sometimes has appointments that require round trips of more than 200 miles. Food I value high-quality food over future doctor appointments and health bills. There are still many ways to save on groceries without sacrificing quality. Be sure to try out the cashback apps I mention in the Couponing section.  One of the many ways I save money is knowing when organic is preferred and when non-organic can be substituted. Check out the Environmental Working Group’s list of the Dirty Dozen and Clean 15 to see which food items you should splurge

[ad_1] Need to do some Kohl’s shopping? Don’t miss these great coupons! Today only, Kohl’s is offering FREE shipping on any order! No promo code needed. This is a very RARE deal so be sure to place your order today if you’re planning to make a purchase a Kohl’s. Plus, you can get an extra 25% off your entire purchase with code SAVE at checkout. Valid today only, April 4, 2022. [ad_2] Source link

[ad_1] The Nasdaq and the S&P 500 gained on Monday, boosted by megacap stocks and a 20% jump in Twitter shares, even as the global mood remained cautious amid talks of more sanctions against Russia over its invasion of Ukraine. Micro-blogging site Twitter Inc surged 24.1% to become the best performing stock on the S&P 500 after Tesla Inc Chief Executive Officer Elon Musk reported a 9.2% stake in the company. Tesla gained 3% after the electric-vehicle maker reported record deliveries for the first quarter. Seven of the 11 major S&P 500 sectors declined in early trading, while a jump of more than 1.5% in both technology and communication services stocks helped offset losses. Global stocks stalled as investors kept an eye on the Ukraine conflict and for signals from the U.S. Federal Reserve on its monetary policy tightening plans. A closely watched part of the U.S. Treasury yield curve, the gap between 2- and 10-year bond yields remained inverted, as a strong jobs report last week supported the view that the Fed would aggressively hike rates. An inverted yield curve is widely seen as a signal of incoming economic recession. “While (the inversion is) bad news in the sense that it’s a very accurate indicator of a recession, the good news is historically it’s a buy signal versus a sell signal in the short term,” said Thomas Hayes, chairman at Great Hill Capital in New York.“On average, the market tends to peak about a year to year-and-a-half after the 2/10 spread inverts.” Meanwhile, Germany said the West would agree to impose more sanctions on Russia in the coming days after Ukraine accused Russian forces of war crimes following civilian deaths near Kyiv. After a rough start to the year, the tech-heavy Nasdaq has nearly halved its year-to-date losses in the last few weeks, helped by gains in growth names and strong economic data. Nasdaq is now down 10.7% from its all-time closing high in November.At 10:30 a.m. ET, the Dow Jones Industrial Average edged up 2.77 points, or 0.01%, at 34,821.04, held down by shares of McDonald’s and UnitedHealth. The S&P 500 gained 17.25 points, or 0.38%, at 4,563.11, and the Nasdaq Composite climbed 155.27 points, or 1.09%, at 14,416.77. Shares of Bilibili Inc and Didi Global Inc jumped 8.5% and 1.2%, respectively, after China proposed revising confidentiality rules involving offshore listings. Starbucks Corp fell 5.1% after former CEO Howard Schultz announced the suspension of the company’s stock repurchasing program, as he returns this week to lead the global coffee chain for the third time. Declining issues outnumbered advancers for a 1.06-to-1 ratio on the NYSE. Advancing issues outnumbered decliners for a 1.26-to-1 ratio on the Nasdaq. The S&P index recorded nine new 52-week highs and three new lows, while the Nasdaq recorded 33 new highs and 41 new lows. [ad_2] Source link

[ad_1] Today only, Amazon is offering HUGE savings on Toys and Games from Playskool, Play-Doh, Nerf and more! These would make great Easter baskets gifts! Here are some deals you can get… Get this Marvel Titan Hero Series Action Figure Multipack, 6 Action Figures for just $31.99 shipped! Get this Nerf N Strike Elite Strongarm Toy Blaster With Rotating Barrel for just $9.29! Get this Play-Doh Modeling Compound 24-Pack Case of Colors for just $13.99! Get this My Little Pony Toys Meet The Mane 6 Ponies Collection for just $17.99! Get this Playskool Heroes Transformers Rescue Bots Energize Chase the Police-Bot Action Figure for just $9.99! Get this Playskool Giraffalaff Tumble Top Spinning and Popping Cause and Effect Toy for just $9.99! Get this MONOPOLY Unicorns vs. Llamas Board Game for just $11.49! Shop the entire sale here. Sign up for a free trial of Amazon Prime to get free two-day shipping (and possibly one-day or same-day shipping!) with no minimum. If you’re not sure Prime is worth it, read this post for some helpful info to help you decide! And don’t forget you can sign up for Swagbucks to earn free gift cards to use on Amazon deals! [ad_2] Source link

[ad_1] NFTs, Web3 and the metaverse are changing the way scientists conduct research [ad_2] Source link

[ad_1] A man attacked two PAC constables with a sharp-edged weapon at the south gate of Gorakhnath temple here and tried to enter the temple premises, police said. The accused has been identified as Murtaza and has been arrested, they said. According to police, the accused tried to forcibly enter the temple premises on Sunday after raising the religious slogan of “Allahu Akbar”. “Two of our Provincial Armed Constabulary (PAC) constables were injured after the accused tried to enter the temple with a sharp-edged weapon. He went to a PAC post near the gate and tried to attack the police,” ADG, Gorakhpur zone, Akhil Kumar said. The accused, who was also injured in the attack, was held by the constables, he said. The officer said the injured constables — Gopal Kumar Gaur and Anil Paswan — were given first aid at Guru Gorakhnath hospital and are undergoing treatment at BRD Medical College. “The accused is also undergoing treatment at the district hospital. Initial investigation revealed that his name is Murtaza and is a resident of Gorakhpur,” Kumar said. He also said that the angle of terror cannot be ruled out as Uttar Pradesh Chief Minister Yogi Adityanath often visits the region. “Strict action will be taken after probing the incident from all angles,” the ADG added. [ad_2] Source link