Experts

Can You Trust Your Beauty Therapist? Industry Experts Launch Campaign To Make Beauty Safe

Beauty industry leaders have launched a campaign to ‘Make Beauty Safe’ in the UK today, in bid to make the unregulated industry safer for consumers.

Currently, lack of legislation means someone with little or no training can establish themselves as a beauty therapist, and BABTAC (British Association of Beauty Therapy & Cosmetology) have joined forces with industry experts to launch a petition and call for change at government level.

“In the past year and a half we’ve done a lot of work in terms of raising the reputation of the beauty industry, but what has become apparent is that without appropriate regulation, this reputation is in jeopardy,” says Millie Kendall MBE, CEO of the British Beauty Council and ally of the #MakeBeautySafe campaign.

“It’s astounding that you can go on a one-day course and become

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10 More Money Experts to Follow

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Our social media timelines are filled with a lot of noise, especially when it comes to personal finance advice.

It’s either information that’s impossible to grasp, like “how to become a millionaire in 10 years,” or advice that’s so broad that it becomes difficult to translate to our own lives. 

But these 10 money experts are different. 

They rise above the generic financial advice, debunk old money rules, and tackle topics of generational wealth and entrepreneurship in Latinx and POC communities.

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7 Biggest Myths About Saving Money, Debunked By Financial Experts

By now we all know it — despite what your Boomer uncle may post on Facebook, your occasional avocado toast habit isn’t what’s standing between you and a down payment on a house. But there are so many small and large money myths — invest money in Starbucks every day instead of drinking a Starbucks every day; education expenses will always pay off — that we live with, even when it’s to the detriment of our financial literacy and our wallet.

But knowing how to save your money and evaluate your finances is a skill, just like any other. “There are two things we are never taught, in a formal school setting, growing up. These are relationships and money,” Natalie Chaves, lead planner and Certified Financial Planner (CFP) at Facet Wealth, a financial planning firm, tells Bustle. “Instead, we learn about them from our friends, family, and community.”

Luckily, it’s

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Armed groups say they will show up to polling sites on Election Day, and experts are afraid it will intimidate voters

militia
An armed group marching at a right-wing protest in Virginia in January. Shay Horse/NurPhoto via Getty Images
  • Far-right groups are planning online to monitor polling sites on Election Day, some of them armed, according to a report in the Los Angeles Times.

  • Stewart Rhodes, the leader of a far-right group called Oath Keepers, said his members would draw their weapons if needed.

  • Rhodes said he wanted to prevent “the radical left” from intimidating voters. Experts say the presence of groups like his would probably make things worse.

  • Visit Business Insider’s homepage for more stories.

Far-right groups are planning to patrol polling sites on Election Day, some of them armed, causing experts to worry about the possibility of violent clashes and voter intimidation.

Stewart Rhodes, the leader of a far-right group called the Oath Keepers, told the Los Angeles Times on Saturday that his members would “be out on Election Day

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Buy now, pay later options grow online, experts warn of risks – WISH-TV | Indianapolis News | Indiana Weather

(CNN) — If you’ve bought furniture, clothing, or electronics online recently, chances are you’ve seen a new option that lets you put off paying for an item in full all at once.

Retailers from Nordstrom to Sephora are allowing customers to pay for items as inexpensive as a tube of lipstick in installments in a concept known as “buy now, pay later.” Shoppers provide details such as their name, billing address, date of birth, email address and contact number, and some sites require them to quickly undergo a “soft” credit check to be approved. Then, they can complete the order but can pay for it over the course of weeks or months. (Shoppers are automatically charged for each installment on their credit or debit cards.)

Stores are betting on buy now, pay later as a way to reach younger consumers and keep up with the rapid shift to online shopping

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How To Start Saving To Buy A Home, According To Money Experts

With record-low interest rates, many would-be buyers are leaping at the opportunity to purchase their first home — even during a pandemic. But before you fall down the Zillow rabbit hole, you’ll want to make sure that you have firm financial footing and prioritize paying off high-interest rate debt like credit card debt and personal loans, Sallie Krawcheck, founder of Ellevest, tells Bustle.

“Credit card debt can charge interest as high as 15% or 25%, which really saps your wealth and ability to save money,” Krawcheck says. You don’t have to pay off your student loans before buying a house, but it’s best to try to get them to a rate of 5%. And continue to contribute to your 401(k) at work.

According to the National Association of Realtors (NAR), single women accounted for 18% of home purchases in 2019, compared to single men’s nine percent. (Married couples make up

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15 Things Experts Say You Should Never Skimp On

Cutting costs is a good idea if it means getting your spending under control so you’ll have more money to pay down debt, build savings or achieve other financial goals. But your cost-cutting efforts can backfire if you opt to pinch pennies on the wrong things.

There are several products and services that are worth paying more for because the cheaper alternatives could cost you additional cash over time. Simply put, these things are just worth the money.

Last updated: Oct. 1, 2020

1. Auto Insurance

One way that people find themselves paying more over the long run is by opting for only the minimum amount of auto insurance coverage required by the state. It might make it cheaper to own a car, but if you get in an accident, you could end up forking over a lot of money.

“Paying for car insurance isn’t exactly something that people enjoy,

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This Is the Best Way to Save Money at Target, Experts Say

There are few big box stores that have earned the customer loyalty Target has, and with good reason. Not only does the store offer many products you just can’t get anywhere else, but there are countless Target savings tips you can take advantage of to score amazing deals on the stuff you buy every day.

However, there’s one cash-saving hack that beats the rest: signing up for a Target RedCard.

Stacy Caprio at DealsScoop.com says that Target’s RedCard can save the store’s devotees a bundle every time they shop. “You’ll get five percent back on all Target purchases,” Caprio says, “which makes it worth it and is akin to having a permanent five percent off Target coupon.” Julie Ramhold a consumer analyst with DealNews.com, adds, “Target has both credit and debit card options, so if you don’t want the credit card, you can still reap the benefits of having a

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Children are spending more time online and in front of screens than ever before. Parents and experts reveal their best tips for managing kids’ tech use.

Jessica Nelson, pictured above with her family, has set boundaries around screen time by having her kids help out with chores around the house. <p class="copyright">Jessica Nelson</p>
Jessica Nelson, pictured above with her family, has set boundaries around screen time by having her kids help out with chores around the house.
  • COVID-19 has seen an increase in children’s screen time, with many now clocking six hours per day according to one study — up 500% since before the pandemic.

  • Business Insider spoke to parents and experts about how to best manage kids’ screen time

  • Their advice varied from establishing offline routines to focusing more on what children are doing online rather than how much time they’re spending on devices.

  • The most important thing is to make time to do family activities together away from technology.

  • Sign up for our new parenting newsletter Insider Parenting here.

When the coronavirus pandemic forced schools and businesses to close in March, Jessica Nelson was tasked with taking care of three children on her own.

Like most people, Nelson had

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This Is the Best Way to Lower Your Cable Bill, Experts Say

Considering the amount of time many people are spending at home these days, having easy access to your favorite shows and movies has begun to feel more like a need than a want. Unfortunately, if you’re accessing those services through a standard cable provider, you’re likely paying a pretty penny for them. According to a 2020 report from DecisionData.org, the average household cable package in the U.S. costs $214.42 a month—that’s nearly $2,600 a year. In fact, the report notes that cable has become the single priciest household utility for most Americans. That doesn’t mean you need to continue paying through the nose for cable, however. There’s one simple way to get the price of your cable services slashed: Just threaten to leave.

“Cable companies know that it’s much more costly for them to acquire a new customer than to retain an existing customer,” says financial advisor Charles H. Thomas

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