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Browns vs. Broncos odds, prediction, betting trends for NFL ‘Thursday Night Football’

When the Broncos travel to face the Browns on “Thursday Night Football” to kick off Week 7 of the 2021 NFL season (8:20 p.m. ET, Fox, NFL Network, Amazon Prime Video), it will be an unintended revenge game featuring two 3-3 teams.

Case Keenum, who started all 16 games at quarterback for Denver in 2018, will get the nod for Cleveland with Baker Mayfield (left shoulder) not playing. He will duel Teddy Bridgewater, another former Vikings QB.

Keenum will operate without running backs Nick Chubb and Kareem Hunt and offensive tackles Jedrick Wills Jr. and Jack Conklin. Bridgewater will continue to play without top target Jerry Jeudy.

Here’s everything to know about betting on Browns vs. Broncos in Week 7, including updated odds, trends and our prediction for “Thursday Night Football.”

WEEK 7 NFL PICKS: Against the spread | Straight up

Browns vs. Broncos odds for ‘Thursday Night Football’

Spread: Browns by 2Over/under: 41.5Moneyine: Broncos +108, Browns -126

(betting odds per FanDuel Sportsbook)

The Browns were only slightly bigger favorites with Mayfield in the mix but they get the nod for home field despite losing two in a row. That’s because the sputtering Broncos have lost three in a row after a 3-0 start. The point total suggests a defensive slugfest, too, with limited offenses.

Browns vs. Broncos all-time series

The Broncos have dominated the series 24-6. That includes two heartbreaking playoff losses for Cleveland vs. John Elway and Denver. The Broncos won the 2019 matchup and have taken 12 of the past 13. The Browns did end a skid with a 17-16 win at Keenum and the Broncos in ’18.

Three trends to know

–Despite the Browns injury, only 50 percent of spread bettors are siding with the Broncos in what’s essentially now a pick ’em line.

–Nearly 51 percent of over/under bettors like the game to go over more so for the low total vs. the explosive qualities of either offense vs. a decent defense.

–The Broncos are 4-6 straight up and 5-5 against the spread in the past 10 games. Half of those games have gone over. The Browns are 5-5 SU and 5-5 ATS in their past 10 games. Six of those game went over.

Three things to watch

Keenum vs. his old team

Mayfield was struggling to play well with the injury, which had been lingering since Week 2 and was aggravated in Week 6. Keenum comes in for healthy relief against one of his several former clubs. The Browns will still try to run effectively with third-string back D’Ernest Johnson, but more will be on Keenum in the passing game without Jarvis Landry. He’ll be looking to give his team a one-week spark to get it back above .500.

Bridgewater vs. the Browns’ pass defense

Cleveland has a strong pass rush with Myles Garrett and Jadeveon Clowney, but their coverage woes have been evident in giving up big plays downfield to young guns Justin Herbert and Kyler Murray the past two weeks. Bridgewater hit on some plays with wide receivers Courtland Sutton and Tim Patrick and tight end Noah Fant last week, but he also matched three TDs with three INTs. Now he’ll playing with a injured foot that will limit his mobility.

Vic Fangio and the hot seat

The Browns are fortunate to draw a reeling Broncos team on a short week when they are shorthanded. They need to take advantage of an overrated opponent on the ropes with their head coach. Kevin Stefanski has a strong sideline advantage in his game with his staff and needs to use it to win with his “next men up.”

Stat that matters

87.0. That’s how many rushing yards on average the Browns defense has given up in 2021 over six games, Good for No. 6 in the league. The Broncos have been better, giving up on average 85.5 yards per game, No. 4 in the NFL. Don’t expect a lot of rushing success for either team, meaning the game will be decided by the more comfortable QB.

Browns vs. Broncos prediction

The Browns will need to use the energy and emotion that come with the Dawg Pound advantage to overcome adversity and get physical with a team that has started to go through the motions after a hot start. Keenum will settle down the passing game in a familiar offense while Bridgewater will take a few more lumps. Stefanski will pull out some wrinkles to fool Fangio and Cleveland will rock into Week 8 at 4-3.

Browns 23, Broncos 20

Originally found on Sporting News Read More




Netflix protesters furious over Chapelle special attack man with ‘We like Dave’ sign

Quick bit: Tensions flared outside a walkout at Netflix headquarters as employees upset with the streaming platform’s airing of a controversial special by standup comedian Dave Chapelle clashed with counter-protesters supporting the comic’s freedom of speech.

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Tensions flared outside a walkout at Netflix headquarters as employees upset with the streaming platform’s airing of a controversial special by standup comedian Dave Chapelle clashed with counter-protesters supporting the comic’s freedom of speech.

Videos from the walkout circulating on social media show a man holding a sign that says “We like Dave” before he is accosted by several people who ultimately break his sign.

CRITICS PILE ON NETFLIX CEO AFTER HE SAYS HE ‘SCREWED UP’ DAVE CHAPPELLE SHOW DEFENSE

LOS ANGELES, CALIFORNIA – OCTOBER 20: Neverending Nina speaks as Trans employees and allies at Netflix walkout in protest of Dave Chappelle special on October 20, 2021 in Los Angeles, California. Netflix has decided to air Chappelle’s special, which contains jokes about transgender people, even though some employees have voiced concerns they feel have been ignored by the company. (Photo by Rodin Eckenroth/Getty Images)

“Why is he breaking my sign?” the man holding the sign can be heard saying as protesters grab and smash it. “Don’t I have the same free speech rights as you?”

Once the sign is destroyed and the man is left holding just the stick it had been mounted on, the protesters start shouting “He’s got a weapon!”

The man is then pushed away from the scene by protesters while laughing at their accusation that he has a weapon before he then drops the stick.

People rally in support of the Netflix transgender walkout and others in support of comedy and free speech, on October 20, 2021 in Los Angeles, California – Netflix bosses braced for an employee walkout and rally in Los Angeles on October 20, 2021 as anger swelled over a new Dave Chappelle comedy special that activists say is harmful to the transgender community. (Photo by Frederic J. BROWN / AFP) (Photo by FREDERIC J. BROWN/AFP via Getty Images)

“I’m just here to say that jokes are funny people” the man explains with his hands raised in the air. “Dave Chapelle is a funny guy.”

“I love Dave,” he added as one protester shook a rattle in his face. “I don’t know why all the violence. I don’t know why all of the hate.”

DAVE CHAPPELLE’S NETFLIX SPECIAL SHOULD BE PULLED, ALYSSA MILANO SAYS AFTER DC PROTEST

The walkout on Wednesday at a Netflix office in Hollywood, California was organized in protest of “The Closer,” a recent comedy special by Dave Chappelle in which he made remarks that some viewed as offensive to the transgender community.

In “The Closer,” which was released earlier this month and is currently among the most-watched programs on the service in the U.S., Chappelle said “gender is a fact” and said he identified as a “TERF,” an acronym that stands for “trans-exclusionary radical feminist.” He also compared the transgender community to people who wear blackface.

Besides backlash aimed at Chappelle for his words, Netflix’s co-CEO Ted Sarandos also found himself in hot water.

In emails to Netflix staff after the special’s debut earlier this month, Sarandos defended “The Closer,” citing its popularity on the platform and the company’s commitment to creative freedom. He also said the company believed “content on screen doesn’t directly translate to real-world harm.”

HOLLYWOOD CA OCTOBER 20, 2021 – Lily Weaver was outside Netflix’s office in Hollywood Wednesday morning in support of a walkout to protest Netflix’s decision to release Dave Chappelle’s latest Netflix special, which contains a litany of transphobic material. Weaver is not employed by Netflix. (Al Seib / Los Angeles Times via Getty Images)

CLICK HERE TO GET THE FOX NEWS APP

Now, Sarandos says he “screwed up” with that statement. In an interview with Deadline, the exec said, “I screwed up the internal communication — and I don’t mean just mechanically,” he said. “I feel I should’ve made sure to recognize that a group of our employees was hurting very badly from the decision made, and I should’ve recognized upfront before going into a rationalization of anything the pain they were going through. I say that because I respect them deeply, and I love the contribution they have at Netflix. They were hurting, and I should’ve recognized that first.”

Chapelle earlier this month laughed off any efforts to get him and his special canceled.

Speaking to the roughly 18,000 people in the crowd at Los Angeles’s Hollywood Bowl while wearing sneakers and a suit, Chappelle touched on the fact that a number of individuals and groups are calling for “The Closer” to be pulled from the streamer because of alleged transphobic comments he made in it, Deadline reports.

“If this is what being cancelled is about, I love it,” Chappelle said to hoots and hollering from fans in attendance, per the outlet.

Fox News’ Jessica Napoli and Melissa Roberto contributed to this report

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How to Hire Better Employees in Less Time for a Fraction of the Cost

Quick Bit: Hiring great employees usually takes a long time. And time is money.
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Opinions expressed by Entrepreneur contributors are their own.

great employees takes a long time. In fact, it takes 36 days on average to hire any employee. And time is money.

Each day, each call, each email correspondence is another day without an active employee generating a return for your .

And each day spent with back and forth conversations pulls you away from daily tasks that your business needs to thrive.

Here’s how you can hire better employees in less time for a fraction of the cost in three simple steps.

1. Specific job boards

My main company has 12 employees including myself and my co-founder. Our software company has half a dozen more.

We’ve hired and fired countless people over the last few years, making every mistake in the book.

One of the biggest keys to finding better employees is starting with a better job board.

Places like Indeed or cast a wide net, which means more time sifting through thousands of irrelevant or low-quality submissions.

Indeed alone has 250 million unique visits monthly, making it a very large and saturated marketplace.

Use these as a last resort. Instead, focus on job boards that are specific to your niche to attract very high quality candidates.

Need a growth marketer? Utilize places like MarketerHire, ProBlogger and more. They are designed specifically for a given niche and can help you narrow down your efforts to more targeted groups of people.

Some platforms will even act as a recruiter on your behalf (free of charge) to match you with potentially effective candidates.

Do a simple Google search for “[niche] job board.”

Start there. They are often cheaper to list and generate much more targeted submissions than broad marketplaces.

Related: If You’re Not Hiring Ahead, You’ve Already Fallen Behind

2. Automated filtering

Job boards will generate tons of submissions, which can be both good and bad.

Good because your candidate pool contains a diverse mix of incredible people itching to work with you.

Bad because 42% of the candidates simply aren’t qualified, and spending your time reviewing them is costing you thousands of dollars, if not more.

To combat this, a great solution is using automated filters to narrow down your total submission pool, saving you both time and money.

Using tools like Zapier, Gravity Forms or any of the like, you can filter the responses you get by various triggers.

For example, we set automations that disqualify any candidates who don’t follow all instructions, like uploading a PDF of their resume or including a LinkedIn profile URL.

Why? If people won’t take 20 seconds to upload a PDF or paste their LinkedIn profile, they won’t follow detailed processes on the job.

These leading indicators are great predictors of attention to detail and true interest in working at your company.

Automations can help you filter these candidates and save thousands of hours and dollars reviewing.

They are highly customizable and can be tailored to any niche need you might have. Use them at the forefront of your job-candidate collection process as an initial filter. This ensures you are not reading resumes or cover letters that don’t align with your minimum qualifications.

Related: How to Hire Like a Pro

3. Paid test projects

How many interviews and calls do you have before a candidate is hired? Two? Three? Five? The average is three, with each interview taking 30-90 minutes. And on average, interviewers speak to around 10 candidates. This time and money add up fast, especially if you are a lean startup looking to expand fast.

That’s where paid test projects start to shine.

They benefit you by saving manual labor time and seeing the exact work someone will be able to produce before you onboard him or her and spend countless more dollars.

Paid test projects give you direct insights into how potential employees work both in their style and delivery.

Not only does it benefit you, but it also benefits the future employee.

He or she gets to see if his or her potential job is a good long-term fit and if he or she enjoys the work.

If the employee does, your hiring process is virtually seamless, and you can better understand the projects he or she might enjoy further down the road.

So, how do you structure these paid test projects, and how much do you pay?

As a general guideline, we don’t like to give overwhelming projects, and we don’t like free test projects. Respecting your candidate’s time is critical to building a healthy relationship from the start.

Test projects should take no more than three to four hours to complete on average.

When paying candidates, simply take the general or hourly rate average and utilize that, benchmarked against the total maximum time for the project.

With your test projects, don’t look for perfectly pristine finished products. Look for people with a learning mindset and the drive to solve difficult problems. This isn’t a test, but rather a way to understand if the candidate has the drive, passion and willingness to learn and problem solve on the fly.

Cut down your phone calls.
Cut down your manual reviews.
Cut down your time, labor and inputs.

Focus on specific job boards, and paid test projects. You’ll hire people in a fraction of the time that are a better fit.

Related: 4 Reasons Employees Need to Be Involved in Your Hiring Process

Originally found on Entrepreneur.com Read More




How To Invest With Your HSA, And Why

It’s hard enough to motivate yourself to save for retirement, but saving for your future medical costs? How responsible does a person have to be?

Thankfully, health savings accounts, or HSAs, are tools that make saving for future health-related expenses less painful. These accounts allow you to save money, but they also allow you to invest. With open enrollment coming up, an HSA might be something to consider.

“One cool trick is to invest the money in an HSA just like you invest in your IRA,” Victor Medina, a certified financial planner and founder of Palante Wealth Advisors in Pennington, New Jersey, said in an email interview.

Investing through an HSA

Think of your HSA as a home for your medical money. Just like a brokerage account or an IRA, you’ll need to put money into the account before you buy investments. Then, after you fund the account, you can start investing.

Some HSAs offer tools that help you choose your investments and provide automatic rebalancing, so your portfolio stays within your preferred allocation. Others allow you to select from specific investments, such as stocks, bonds, mutual funds and ETFs.

Whatever method you choose, investing your money through an HSA will likely allow it to grow faster than by saving alone. However, if your HSA is offered through an employer, you may have fewer options for how you can invest your money.

Take advantage of the triple tax benefit

Once you start investing through your HSA, you can begin reaping the rewards — one of the biggest being the triple tax benefit, Medina said.

“Another cool trick is that the accounts are triple tax-advantaged, which means contributions are tax-deductible, growth is tax-free and the distributions are tax-free when used for qualified medical expenses. In addition, unlike a 401(k) or IRA, you don’t have to deduct money from the account at a certain age.”

If you’re investing over the long term in your HSA, that tax-free growth can make a significant difference in the amount of money you keep.

Prepare for long-term care

According to data from insurance company Genworth Financial, the median annual cost of an in-home health aide in 2020 was $54,912; a private room in a nursing home cost about $105,850 a year. Thinking about getting older can be challenging for many reasons, not least of all because of the financial burden that can accompany aging. But investing in an HSA can allow you to prepare for those expenses in advance.

If you invested $200 in an HSA every month starting when you were 30 years old and earned the stock market’s standard 10% annual return, by the time you were 70, you could have almost $1.3 million — a significant nest egg for your golden years.

And while it may be tempting to use your HSA money along the way, Faron Daugs, a CFP and CEO of Harrison Wallace Financial Group in Libertyville, Illinois, often advises against that.

“With clients that are generally working and still making a living, if they do qualify to contribute, I often encourage them not to use those funds on an annual basis, so let them sit aside and grow almost like you would in an IRA,” says Daugs.

Pay yourself back later

If you can avoid taking out HSA funds as you go, you can reap the benefits down the road.

“Another cool trick is to wait to take distributions from the account until much later in life,” said Medina in an email. “You are not required to reimburse yourself in the same year. You are only restricted to reimbursing yourself for expenses that occurred after the date the account was established. So, you can contribute money into the account, let it grow for decades and then take a lump-sum distribution in the future that would put money in your pocket tax-free. Make sure to keep the receipts for what you paid out of pocket for medical expenses.”

Unlike flexible spending accounts, or FSAs, which require you to spend the money within a specific time or otherwise forfeit it, HSAs can be rolled over from year to year.

Hack your IRA

According to Daugs, HSAs have a little trick up their sleeve to help people who don’t have a considerable amount of money saved up: You can rollover a maximum of your annual HSA contribution limit for that year ($3,600 for individuals in 2021) from a traditional or Roth IRA into your HSA.

“It’s available once in your lifetime,” says Daugs. “So let’s use the current example of $3,600. So if you had money in an IRA that was deductible, and the money has grown tax-deferred in that IRA, you can take up to $3,600 of that IRA, just one time in your life, and roll it into an HSA account.”

The IRA to HSA rollover is a neat trick you can use if you have an unexpected medical expense and your HSA isn’t as fleshed out as you’d like it to be.

And while HSAs have a lot of benefits, they aren’t for everyone. Because participants must be on a high-deductible plan to have an HSA, that can be a deal-breaker for some. Choosing a health plan during open enrollment will depend on your situation and the options available to you.

Originally found on Nerd Wallet Read More




Top 10 Hiring Platforms for Small Business

Quick Bit: Hiring new employees is an exciting opportunity to bring fresh ideas and valuable experience to a growing small business-and leveraging hiring platforms can make it easier.

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Disclosure: Our goal is to feature products and services that we think you’ll find interesting and useful. If you purchase them, Entrepreneur may get a small share of the revenue from the sale from our commerce partners.

Finding and the people that your business depends on is no trivial task. Whether you’re hiring for a standard role, a specialist, or a contract position, quickly closing on a top-tier candidate is essential. Small businesses with limited resources need to find efficiencies wherever possible. When it comes to bringing on new talent, hiring platforms can help you make better hiring decisions and close hires fast.

Not only are hiring platforms an incredible tool for increasing visibility and ensuring you find the right candidate for your goals and culture, but they also create a seamless hiring process that is apparent to applicants. Delivering a stellar candidate experience leaves a positive, lasting impression on job seekers, and hiring platforms can keep your scaling business organized while saving you money.

Here are 10 hiring platforms that can create a competitive advantage for finding the best talent for your small business.

ZipRecruiter–Best Overall Package for Small Businesses

ZipRecruiter simplifies finding top-tier talent for small businesses. Job posting templates allow you to post your first listing to more than 100 job sites for free in minutes. Once your post is live, ZipRecruiter‘s powerful matching technology searches through thousands of resumes, locates the best candidates for your role and invites them to apply–which means more quality hires and reduced hiring times. With more than 25 million job seekers visiting ZipRecruiter each month, there is a network of full-time, remote freelancers and contractors that are ready to make a positive impact on your small business.

Jobvite

You can help streamline your hiring process with Jobvite. This end-to-end talent acquisition site helps small businesses attract, engage, recruit, and hire all on one platform. Screen and rank candidates automatically and forecast time-to-fill with referral capabilities coupled with candidate matching. Jobvite‘s branded career pages let you create a strong employer brand that produces a seamless candidate experience.

Indeed

This comprehensive search engine for jobs allows small businesses to identify top candidates fast. With an option for paid sponsored job listings, Indeed gives you flexibility and control over your campaigns. You can adjust your budget at any time or pause or delete a posting. No commitments or long-term fees, so you’ll only pay when Indeed works for you.

LinkedIn Talent Solutions

Job seekers are already on LinkedIn for its professional networking platform. They also use the site to search for jobs and share that they’re looking for a new one. When you post a new job, LinkedIn uses data and insights to find candidates that match the job criteria and makes it easier for that person to apply. Their desktop and mobile dashboard let you review and prioritize candidates.

SmartRecruiters

Gain exposure on multiple job sites with SmartRecruiters‘ intuitive candidate management tool. This cost-effective talent acquisition suite lets companies to attract, select and hire candidates all on one cloud-based platform. Recruiters can effortlessly personalize messages to applicants and engage with passive candidates. Use SmartRecruiters to advertise on job boards and track performance to ensure faster hires.

ClearCompany

ClearCompany helps small businesses win at remote hiring with innovative means of connecting with candidates. This digital, candidate-centric recruiting tool features a mobile-friendly interface that enables job seekers to apply right from their phones. Interview scorecards assist your hiring team in conducting compelling interviews that find the right candidate for your organization.

Freshteam

Leverage everything you need throughout the hiring process at an affordable rate with Freshteam. Their modern applicant tracking software allows you to create custom workflow stages for every job posting and gives you a professional-looking career site with ease. Freshteam has a free service and offers a free 21-day premium trial without taking credit card information.

CareerBuilder.com

CareerBuilder.com saves small businesses time and money with its integrated hiring systems. Their AI technology can optimize job postings, and discovering qualified candidates gets a boost from automated matching. Other notable features include direct and automated candidate communications, a career site and virtual and in-person hiring events that all support recruitment strategies. Try a free trial of their talent acquisition suite or find a monthly or annual plan that fits your needs.

Workable

Attract and screen candidates with Workable‘s easy-to-use platform. One-click job posting to over 200 job sites, Gmail and Outlook integration for simplified scheduling and gamified employee referrals create a smooth user experience. Hiring teams can meet candidates faster with native one-way video interviews and live video integrations. Fast global support and easy onboarding are other noteworthy benefits of Workable.

Zoho Recruit

Zoho Recruit combines sourcing, tracking, and hiring management into one simple platform. The service includes an assessment feature that allows you to store and maintain a list of questions and feedback for applicants. Set up automatic replies, alerts, and notifications in advance for process efficiency. After your free 15-day trial, Standard, Professional and Enterprise tiers range from $25 to $90 per month.

Originally found on Entrepreneur.com Read More




6 Things You Should Know About Signing Up for Medicare

It may come as a surprise, but for many people, health care becomes more complicated after age 65 — not less. With Medicare’s fall open enrollment window open through Dec. 7, it’s important to understand all of your coverage options so you can continue to access the medications and care you need. Here are a few things you should know about Medicare:

1. Some people are enrolled automatically — and some aren’t

If you’re under the age of 65 and already receive Social Security benefits, you will be automatically enrolled in what’s called Original Medicare. This includes Medicare Part A (hospital insurance) and Part B (medical insurance). Note that Medicare Part B carries a premium: Most people pay $148.50 per month in 2021, according to the Centers for Medicare & Medicaid Services, or CMS.

If you’re not receiving Social Security benefits, you can sign up for Medicare during your initial enrollment window (around your 65th birthday) and choose which insurance combination is best for you.

2. Original Medicare doesn’t cover everything

Original Medicare does not cover prescription drugs, custodial care or most hearing, vision and dental care. Medicare only partially covers some services, such as hospitalization, ambulance services and nursing home care, which means you could be responsible for copays and deductibles.

There are ways to cover at least some of the gap, with Medicare Supplemental Insurance (or Medigap) plans, or by opting for the privately administered alternative to Original Medicare called Medicare Part C, or Medicare Advantage (more on that below). You may also qualify for a state-sponsored Medicare Savings Program, which can help cover deductibles, copayments and more.

3. Medicare Part D covers prescription drugs — and isn’t really optional

Original Medicare includes only Parts A and B. That means if you take any prescription medications, or plan to — and don’t want to pay for them out of pocket — you’ll need to add Medicare Part D to your coverage. This can be done as an add-on to Original Medicare or bundled with a Medicare Advantage plan. Medicare Part D premiums average about $33 per month, according to the CMS.

Signing up on time for Part D is especially important because there’s a late-enrollment penalty if you miss your eligibility window. Medicare drug coverage can vary by medication, so start your research early to make sure your plan includes everything you need. Even if you don’t take medication now, enrolling in Part D coverage can help prepare you for future prescription costs.

4. Fall open enrollment isn’t the only window

When you become eligible for Medicare, you have a seven-month initial enrollment period to sign up, which starts three months before your 65th birthday month and ends three months after. If you miss this window, you may face late enrollment penalties for Medicare Part B (medical insurance) and Medicare Part D (prescription drug coverage). According to the Social Security Administration, you should sign up for Medicare at age 65 even if you’re not planning to retire yet.

If you’re switching to a Medicare Advantage plan, you can do so during the Medicare open enrollment period, which runs every year from Oct. 15 to Dec. 7. Any new plans or changes you make during this period are effective starting Jan. 1.

There are also special enrollment periods for certain situations, like a significant change to your financial or medical circumstances. If you’re currently on a Medicare Advantage plan and want to switch to Original Medicare, you can do so from Jan. 1 to March 31. If you’re over 65 and still covered by an employer group health plan, Medicare allows you to sign up for Medicare Part B without penalty during a special enrollment period: the eight months after your job or coverage ends.

5. Medicare Advantage can bundle your health care

Medicare Advantage plans, also known as Medicare Part C, are Medicare-approved plans from private insurance companies that bundle your Part A and Part B coverage with other benefits. This is usually prescription drug coverage, but Medicare Advantage plans can also include many vision, hearing and dental benefits that Original Medicare does not.

Medicare Advantage plans are all-in-one, more like traditional insurance, but they come with less flexibility. You may pay lower out-of-pocket costs for most services, but higher fees if you want to see a specialist out of your network. Depending on your location and individual health care needs, this may be a good option.

6. It’s complicated, but there are resources to help

“People are often shocked at the cost,” says Katy Votava, president of Goodcare.com, who has a doctorate in health economics and nursing. She explains that Medicare enrollment is often more complicated than a one-time sign-up: It requires ongoing choices and changes for many patients. According to Votava, the right Medicare combination heavily depends on what medications you take and what health care providers you see, as well as your location and income.

Votava recommends looking into the State Health Insurance Assistance Program, or SHIP, at shiphelp.org to find free Medicare community educational services near you. SHIP can help you figure out what financial support you qualify for depending on your income level, region and state, and assist you — or the parent you care for — with enrollment when your window opens.

Originally found on Nerd Wallet Read More




Consumer Goods Giant to Raise Prices on More Staples, Blames Increase in Cost on Raw Materials

Quick Bit: Procter & Gamble Co. said it would begin to charge more for oral care, beauty, and razors. Earlier this year, Procter & Gamble said it would charge more for toilet paper and diapers.

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Procter & Gamble Co. said it will raise prices on a number of household staple goods as the cost for raw materials and freight has increased faster than it had anticipated.

The company, which makes a range of products including Tide and Charmin, said it would begin to charge more for oral care, beauty, and razors. Earlier this year, Procter & Gamble said it would charge more for toilet paper and diapers.

The new price hikes are not being implemented on all its products, but they will be marked for specific items such as razors and in some sub-categories, CFO Andre Schulten told Reuters. U.S. retailers are aware of the new sticker prices, he added.

“We announced price increases to retailers in the U.S. on oral care, skin care, and grooming,” Schulten said in a conference call. “It’s item by item,” he added, although he did not say how much the prices will rise.

“As this pricing reaches store shelves we’ll be closely monitoring consumption trends,” he also remarked in the conference call. “While it’s still early in the pricing cycle, we haven’t seen notable changes in behavior.”

Global supply chains are under strain due to factors such as a resurgence of cases and lockdowns in Asia and labor shortages in the United States, leading to a surge in raw material prices that is also squeezing profits at Unilever and Reckitt Benckiser.

Meanwhile, in the United States is at the highest level in years amid supply chain bottlenecks and labor issues.

“We do not anticipate any easing of costs,” Schulten also told the Wall Street Journal in an interview on Tuesday. “We continue to see increases week after week, though at a slower pace.”

On Tuesday, the firm raised its commodity and freight costs impact for this fiscal year to $2.3 billion from $1.9 billion.

The Cincinnati-based consumer products giant will find backup suppliers and will switch shipping routes to deal with potential bottlenecks, he told the Journal.

“To the consumer, it looks like we’re in good supply,” Schulten said.

For the quarter that ended on Sept. 30, Procter & Gamble reported sales of $20.3 billion, according to its quarterly earnings report. Net earnings were about $4.1 billion, a 4 percent drop year-over-year.

And for the fiscal year 2022, the company expects to see a growth of between 2 and 4 percent in sales.

Additional expenses will shave off 90 cents from its full-year earnings per share, compared with a previous forecast of a hit of 70 cents.

Reuters contributed to this report.

By Jack Phillips

Jack Phillips is a breaking news reporter at The Epoch Times based in New York.

Originally found on Entrepreneur.com Read More




This Papdi Chaat Recipe Is Crispy Sweet, Spicy and Tangy

Chaat chaat chaat! When we would attend a family friend’s party growing up, one of my mom’s friends would make a big plate of chaat to eat and it would be gone so fast. Even the second tray she made would go just as quickly. It’s a true party trick meal. You can prep this papdi chaat recipe ahead of time and store in serving bowls, and then set everything out at once so people can make their own bowl of chaat, kind of like a DIY chaat bar.

When my mom visited Minneapolis a few years ago, we invited Kristin and Mark over and she made a huge tray of chaat to share with both of them. It was fun to recreate that meal at this special celebration. Papdi chaat is a few component pieces that come together to create what I consider flavor magic. Priya Krishna wrote one of my favorite articles on Bon Appétit all about chaat. Keep reading to make this papdi chaat recipe for yourself—it’s the crispy sweet, spicy and tangy appetizer you’ve been looking for!

Originally found on Camille Styles Read More




Housing Market Update: Fast Sales Increasingly Common This Fall

October 20, 2021 October 20, 2021 by

Homebuyer demand outstrips supply as mortgage rates creep up: demand has grown 15X faster than supply since 2019.

Forty-four percent more homes are pending sale than at this time in 2019, but only 3% more homes recently hit the market—down from 12% growth over 2019 just 7 weeks prior. As a result of the severe imbalance between the number of homes for sale and the number of buyers, the pace of the market is picking up at a time when it typically slows. A third of homes are finding buyers within a week of hitting the market, up from 30.8% at the end of the summer. This week, we’re comparing today’s market with the pre-pandemic fall market of 2019 to highlight how hot the market remains, even as most measures are settling into typical seasonal patterns.

“Comparing today’s sales and new listings numbers to the 2019 levels helps to reveal the stark shortage of supply we are facing,” said Redfin Deputy Chief Economist Taylor Marr. “The boost of housing supply that came on the market during the summer has already faded away, even as demand tapers off as we expected it to in the fall. Relative to the last ‘typical’ fall of 2019, demand remains steady and strong thanks to the increased urgency many buyers have as mortgage rates inch up. Rising rates also make buyers more price sensitive, so homes that are priced right are increasingly likely to receive offers right away.”

Key housing market takeaways for 400+ U.S. metro areas:

Unless otherwise noted, the data in this report covers the four-week period ending October 17. Redfin’s housing market data goes back through 2012. Except where indicated otherwise, the housing market is generally experiencing seasonal cooling trends, similar to what was seen during this same period in 2019.

Data based on homes listed and/or sold during the period:

The median home-sale price increased 13% year over year to $355,875. This was up 29% from the same period in 2019.
Asking prices of newly listed homes were up 12% from the same time a year ago and up 26% from 2019 to a median of $362,335, down 1% from the all-time high set during the four-week period ending October 3. Asking prices typically increase in September and then begin to decline in October through the end of the year.
Pending home sales were up 3% year over year, and up 47% compared to the same period in 2019, which was a more typical year in terms of seasonality for sales and listings.
New listings of homes for sale were down 8% from a year earlier. New listings remained positive compared to 2019, up 5%.
Active listings (the number of homes listed for sale at any point during the period) fell 22% from 2020, and were down 40% from 2019.
46% of homes that went under contract had an accepted offer within the first two weeks on the market, above the 42% rate of a year earlier and the 31% rate in 2019.
33% of homes that went under contract had an accepted offer within one week of hitting the market, up from 30% during the same period a year earlier and 20% in 2019.
Homes that sold were on the market for a median of 22 days, a full week longer than the all-time low of 15 days seen in late June and July, down from 32 days a year earlier and 44 days in 2019.
45% of homes sold above list price, up from 34% a year earlier and 22% in 2019, but the smallest share since April.
On average, 5% of homes for sale each week had a price drop, up 1.3 percentage points from the same time in 2020, up 0.1 points from 2019, and the highest level since the four-week period ending October 13, 2019.
The average sale-to-list price ratio, which measures how close homes are selling to their asking prices, decreased to 100.7%, the lowest level since April. In other words, the average home sold for 0.7% above its asking price.

Other leading indicators of homebuying activity:

Mortgage purchase applications decreased 5% week over week (seasonally adjusted) during the week ending October 15. For the week ending October 14, 30-year mortgage rates rose to 3.05%, the highest level since early April.
From January 1 to October 17, home tours were up 7%, compared to a 25% increase over the same period last year, but higher than the 6% rate in 2019, according to home tour technology company ShowingTime.
The Redfin Homebuyer Demand Index rose 3 points during the week ending October 17, and was up 8% from a year earlier. The seasonally adjusted Redfin Homebuyer Demand Index is a measure of requests for home tours and other home-buying services from Redfin agents.

Refer to our metrics definition page for explanations of all the metrics used in this report.

Originally on Realtor.com Read More




Youngkin Calls for Investigation into Loudoun Schools’ Alleged Cover-up: ‘Silencing Parents Is Over’

Quick bit: Virginia Republican Glenn Youngkin called for an “immediate” investigation into Loudoun schools after an alleged assault cover-up.

Full Story:

Youngkin spoke to an overflowing crowd of several hundred at the Burke Volunteer Fire and Rescue Department about the incidents, declaring that school administrators “failed to protect” the victims.

The first incident involved a 14-year-old male, who the victim’s father says was wearing a skirt when he entered a Stone Bridge High School bathroom and sexually assaulted his daughter in May. The 14-year-old was arrested in July and charged with two counts of forcible sodomy, according to police. The second incident involved the same 14-year-old, who police arrested again in October — this time at Broad Run High School — for groping a different female student.

The first victim’s father, Scott Smith, was arrested at an LCPS school board meeting in June for an outburst he had over what happened to his daughter. The school board at the time — which had been holding discussions over Critical Race Theory and transgender policies — dismissed Smith’s outrage, and he was eventually detained for disorderly conduct and obstruction of justice.

That the enraged father’s daughter had allegedly been raped and that an arrest had in fact been made only came to light after the Daily Wire revealed this month that evidence indicated LCPS may have attempted to hide the case.

Youngkin said Tuesday night he believed the LCPS school board’s actions amounted to a cover-up. “A young girl was sexually assaulted in her school, and the administrators, those who were entrusted with not only her education but her safety, tried to cover it up.”

He added, “They quietly moved the offender, an offender being prosecuted for sexual assault, to another school, where he was able to do it again. Two young girls have been sexually assaulted because our system failed to protect them.”

Many attendees at the event — located in Fairfax County, which is adjacent to Loudoun — cheered on the Republican candidate with signs reading “Parents for Youngkin.”

Glenn Youngkin speaks to supporters at a rally on October 19, 2021, in Fairfax County, Virginia. (Breitbart News)

Breitbart News spoke to one couple, Anthony and Rachel, who said they are independents who typically vote Democrat but that they have children who are both past and current students in the LCPS system and that education policy has driven them to back Youngkin.

Rachel said she would have been open to voting Democrat had former Gov. Terry McAuliffe (D) not been the party’s candidate. “All these wonderful Democrats are out there. I see those wonderful Democrats. I’m like, ‘Out of all of them, you picked this guy,'” she said.

She added that her son went to an LCPS high school where the number of students describing themselves as transgender seems to have “exploded” and that even her son thought the increase seemed “not statistically likely.” Rachel said of the LCPS administrators, “It just seems like they’re championing it without actually sitting down with these kids and saying, ‘Okay, let’s untangle what you’re going through.'”

On covering up charges of sexual assault, Anthony noted that LCPS’s process for school board meetings feels “dystopian.” He said, “This is a prime example of what happens when you leave the parents out of the process. … It’s very dystopian the way that they’re doing this.”

Rachel added of the Smith incident, “I could not feel worse about that because I believed the Trevor Noah narrative on that.” Leftists, including Noah, have maligned angry parents, falling in line with the National School Boards Association’s (NSBA) charge that some of those parents present a “domestic terrorism” threat. President Joe Biden’s Department of Justice responded to the NSBA by mobilizing the FBI to fight those parents.

During his speech, Youngkin said, “Instead of investigating parents, the Department of Justice should be investigating those who covered up a heinous crime in our school.”

“The time for closed-door conversation and silencing parents is over. We must fix this now,” Youngkin continued, adding that those involved in the latest scandal should be fired or resign.

Youngkin has spent the weeks since the last gubernatorial debate in September hyper-focused on education policy after McAuliffe was hit with massive backlash for saying at the debate, “I don’t think parents should be telling schools what they should teach.”

Another attendee of the Youngkin event, a Reston resident named Julian, opined that McAuliffe’s controversial debate remark does not resonate well with parents in deeply blue Northern Virginia. “Don’t tell wealthy, engaged parents that you can’t guide your kid’s education. That’s the one thing that’s going to get them out,” Julian told Breitbart News.

The McAuliffe campaign is circulating a new ad this week featuring McAuliffe claiming he “has always valued the concerns of parents” in an apparent attempt to course correct after processing the reactions to his debate message.

Youngkin’s campaign said in response to the ad that McAuliffe is “struggling to save his campaign” with Election Day just two weeks away and polls indicating the race is virtually tied.

Write to Ashley Oliver at aoliver@breitbart.com.

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