10 summer fashion trends you should be wearing right now

Hurry up summer – we’re totally over our winter wardrobe, and we just want to embrace the biggest fashion trends of 2017.

The cold shoulder trend still remains huge with deconstructed shirts; 80s party wear and the slogan T-shirt will be your new go-to wardrobe essential. But will you be brave enough to try the full-on florals and the ruffles?

We’ve curated 10 catwalk trends that will most influence your wardrobe choices (and bank balance) this year. Which looks will make the biggest impact on your wardrobes this summer?

See the 10 trends everyone will be wearing below:

Think metallics, disco leggings and the one-shoulder dress – the ’80s is back, everyone! This is pure night-time attire – short minis and neon spandex. It’s definitely not for the shy types.


NEW UTILITY

Fashion with function is all the rage for 2017. Designers have cottoned on to the fact that we have shit to do, so we’re workwear inspired pieces were big on the catwalks, with relaxed shapes and muted shades.

SLOGANS & LOGOS

So wrong yet so wrong, the slogan tee is here to stay! T-shirts with a political stance (as seen at Dior) are all the rage – it’s time to let your T-shirt do the talking.


THE DECONSTRUCTURED SHIRT

Hallelujah, the trusty shirt isn’t going anywhere. On the contrary, it’s getting even more interesting. The off-the-shoulder trend is still going strong, but now we’re getting ruffles, over-sized sleeves, peek-a-boo cut-outs and even cropped shirts hit the runway. It’s official: Shirts are not boring for 2017.

RUFFLES. ALL THE RUFFLES.

Basically if you’re not wearing ruffles on, you might as well stay indoors. And don’t be scared – it’s not all girly – we caught a glimpse of black leather ruffles at Alexander McQueen, and punky ruffles at Preen


CLASH YOUR COLOURS

This isn’t for the shy types – the spring/summer 2017 trends included lots of colour, but went one step further by clashing to the max. Think bright blue and grass green, pink and yellow, blue and red, purple and pink… the choice is endless.


GRAPHIC STRIPES

Statement stripes were spotted everywhere during the shows – if you’re not into florals, perhaps we can interest you in a full-on striped ensemble, because that’s the thing, these stripes aren’t subtle – they’re full on.


WALLPAPER PRINT

Head-to-toe florals were huge during the shows. It turns out florals for spring are groundbreaking after all. Basically, if it’s covered in florals, you’re on to a winner.

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20 Best and Worst Outfits in the History of the Super Bowl Halftime Show Ranked

A countdown of the most memorable outfits in the history of the Super Bowl halftime show — from WTF to OMFG!

20. PHIL COLLINS, 2001

There is a long tradition of men phoning it in at the Super Bowl halftime show when it comes to style, but Phil Collins, in his black sweater and khaki cargo pants, is by far the worst. He looks like a Teamster doing a mic check. And those shoes are just unforgivable.

19. ROLLING STONES, 2006

The early 2000s saw a lot of old dudes taking the stage at the Super Bowl halftime show. None of them dressed with any particular flair, but the Rolling Stones showed the most midriff. I’m not sure if that is a strike for or against them, but it certainly distinguishes them from acts like Tom Petty and Bruce Springsteen who wore similarly blah outfits but kept their tummies fully covered.

18. TRAVIS TRITT, 1994

It’s bad, but at least it’s really bad. Props to Tritt for really leaning into the awfulness with this one.

17. THESE DANCERS, 1991

What is this? No idea. Hard to believe they wore these in 1991 though. They look like a band of hippie go-go dancers doing sign language at an outdoor jazzercise class.

16. THESE OTHER DANCERS, 1986

Aaaaah! At least these outfits are sparkly. That’s something, I guess.

15. THESE DANCERS WITH WASHBOARDS, 1997

I’m not saying these outfits are any better than the ones that came before them, but these ladies have washboards and I’ve decided to see that as a good thing. Never underestimate the power of a good prop, people. Or a bad prop. Either way.

14. JANET JACKSON AND JUSTIN TIMBERLAKE, 2004

This should really rank higher, given what a stir it caused at the time, but I’m penalizing these two for claiming after the fact that the boob cup tore off by mistake. Oh, yeah, Janet just happened to be wearing a matching metal pastie under there. Uh huh. Suuuure. Also, Justin is pulling a total Phil Collins here. It feels like he didn’t even try, except that of course we all know he was trying really, really hard, which just makes his dude-who-just-wandered-in-off-the-street look feel that much more desperate and sad.

13. ‘N SYNC, 2001

These outfits are bad too, but at least they are bad with flair!

13. DESTINY’S CHILD, 2013

This isn’t bad by any means, but head-to-toe black feels a little safe for Beyoncé, Kelly, and the one they are ignoring over there on the right.

12. SHANIA TWAIN, 2003

Still all black, but what a difference some rhinestones can make, amiright? Also, notice the sparkly scrunchie on Shania’s high pony — talk about pizzazz!

10. BRITNEY SPEARS, 2001

It’s not the most theatrical costume ever, but Brit looks damn good in it and you have to give her credit for the sporty vibe of the outfit, which, at the very least, fits the occasion.

9. BLOCKHEAD BACKUP DANCERS, 2011

Weird. Nice!

8. LMFAO, 2012

Madonna’s whole black and gold, Egypt-meets-ancient-Rome thing was kind of chic, but these guys brought the freak, which, for a big-ass show like the Super Bowl, is worth a lot more in my book.

7. M.I.A., 2012

M.I.A. and Nicki Minaj wore very similar outfits, but M.I.A.’s had just a little bit more oomph. She also flipped off the camera, which pissed off a bunch of people, so she gets extra points for that too.

6. BLACK EYED PEAS, 2011

Considering how disappointing most of the male performers at the Super Bowl have been, you really have to give it to the men of the Black Eyed Peas. Those dudes turned it out! Especially Taboo with that LED leather suit of his. Fergie, of course, also looks amazing. Killing it all around.

5. TONI BRAXTON’S BACKUP GIANT, 2000

I can’t even look at Toni Braxton with that majestic creature standing behind her. He looks like a tax collector from the land of Oz and I am ready to pay up!

4. KATY PERRY, 2015

Four costume changes and more color and sparkle than you can shake a whipped cream boob cannon at. Yas, gurl. Yaaaaaas!

3. BEYONCÉ AND HER CREW, 2016

Beyoncé and her formation dancers were such a moment. Power, grace, and general badassitude all rolled into one. The very definition of the word “slay.”

2. MICHAEL JACKSON, 1993

Of course, as good as Beyoncé’s look was, you gotta give credit where credit is due. Michael. Jackson.

1. LEFT SHARK, 2015

As if it could be any other way.

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The 10 Coolest Places to Eat in 2017

The restaurant world is stuffed with best-of lists. We don’t need another. What constitutes an amazing meal is different from person to person, night to night, so it’s a bit silly to pronounce one dining room (or 50) the best in the world.

I’ve had very few disappointments among restaurants on those lists, and more than a few meals that were worth a transatlantic flight. I think most of us who are willing to travel for food feel the same way. But the professional class of eaters is likely already onto the next thing. They’re unfurling their napkins in the Middle East, Latin America and even Scotland in search of culinary pleasures.

I asked several highly accomplished eaters about which restaurants they find most interesting—and undersung—right now. Maybe one will become the next Noma; maybe not. But for now, they provide a modicum of bragging rights and, most likely, a great amount of joy. These ten places are where these experts would send their friends in 2017.

Chef’s Bar at Machneyuda, Jerusalem

“If you’re from Israel you know this restaurant,” says restaurateur and sommelier turned professional bon vivant Kristian Brask Thomsen, host of the three-day gastronomic blowouts known as Dining Impossible. But it deserves wider attention. On a steep side street by the city’s bustling food market, Machneyuda is the creation of Israeli Iron Chefs Krav Sakinim, Asaf Granit and Uri Navon, alongside Jerusalem’s “slow food” champion, Yossi Asaf. “They realized a dream of serving guests ‘happy food’ in an extremely fun-loving dining experience, combining seasonal cuisine with a homey interior featuring china from one chef’s grandmother’s house,” says Brask Thomsen, who also provides marketing support for chefs (not these). “Add loud music and staff and guests dancing on tables, and you just might have the most memorable eating experience of the Middle East.” Ask for a bespoke evening at the Chef’s Bar, where one of the principals will curate a custom made tasting menu.

The Dysart Petersham, London

Restaurant critic Andy Halyer, who claims to be the only person to have dined at every Michelin three-star in the world, recommends the Dysart as a hidden gem, thanks to its young chef (Kenneth Culhane), off-the-beaten-track location and quality cooking. In his first review, he praised the place’s transition from “pub that does food” to “restaurant with a bar,” saying his meal was “quite a revelation…. Despite the lack of fanfare, the standard of cooking is extremely high, and there are certainly worse restaurants with Michelin stars. In these days of overhyped central London openings, it is great to find a place quietly turning out lovely food.”

McCrady’s Tavern, Charleston

Southern star Sean Brock’s latest gets raves from James Beard Award–winning journalist Matt Goulding, a chief editor of the influential Roads & Kingdoms and the author of Grape, Olive, Pig: Deep Travels Through Spain’s Food Culture. The new revamp of Brock’s legendary Charleston institution, set in a 1778 Georgian town house, includes a high-end tasting-menu restaurant upstairs and a “more relaxed but no-less-astounding tavern below,” he says. “You’ll find Brock’s obsession with historical cooking filtered through a mixture of familiar flavors and innovative technique—tater tots with sour cream and caviar, Thomas Jefferson’s macaroni (given an umami lift from kombu), bone marrow stuffed with escargot. The new McCrady’s reaffirms Brock’s status as one of the most talented and soulful chefs cooking in the U.S.”

La Docena Oyster Bar & Grill, Mexico City, Mexico

This buzzing Guadalajara import, created by Claudio Javelly, Alejandro de la Peña and cool cat Chef Tomás Bermúdez, has “taken the Mexican capital by storm,” says Brask Thomsen. “High or low, lovers or families, indoor diners or out—all are having a fiesta from 1 p.m. on: drinks clinking, music playing, cigarettes on the sidewalk.” And ice mountains of top-quality shellfish from the Pacific coast, as well as New Orleans–style po’boys, a novelty in the D.F. “Imagine a laidback but upbeat version of Balthazar in New York City, but in Mexico City and way more fun.”

The Cellar, Anstruther, Scotland

The young chef (Billy Boyter) at this longtime restaurant has been operating for two years with just one person helping him, and he’s already won a deserved Michelin star, notes Hayler. In his recent review, he summarized the best dishes (crab with heritage carrots, hand-dived scallop with duck ham and kohlrabi) and the small, relaxed dining room’s charms: “Service was friendly…and the wine was left within reach,” which “felt entirely in keeping with the environment. Overall, the Cellar was a most enjoyable experience.”

Bros,’ Puglia, Italy

“Floriano and Giovanni Pellegrino have done what many young chefs do these days—they’ve wandered the culinary world, doing stages everywhere from Noma to Martin Berastegui in northern Spain,” says Goulding. At Bros’, “they’ve synthesized their diverse experiences and filtered them through the ingredients and traditions of their native Puglia to create one of Italy’s most ambitious and important young restaurants. (The fact that it’s in Lecce, a limestone city of knee-trembling beauty, doesn’t hurt.) Everything they serve is smart, mature and deeply delicious. Linguine with pistachio butter and colatura (Italian fish sauce) is the best dish I’ve eaten all year.”

Back Kitchen Table at Osso, Lima

“A butcher shop with no intention of becoming a restaurant became a restaurant because of a wooden table in a back kitchen with walk-in freezers,” marvels Brask Thomsen. The front restaurant now is “atmospheric,” with a wide range of dishes, from a 240-day dry-aged Kobe beef to a full meat tasting menu, and an impressive wine list with many “pearls” by the glass. Still, “it’s what’s happening in the back of Osso that should have your attention. This is where Renzo Garibaldi has for the past two years been holding clandestine dinners around a single large wooden table for no more than eight guests at a time.” Initially, they were his friends, including Peruvian stars like Gastón Acurio and Mitsuharu Tsumara, but within weeks, Garibaldi began getting calls for reservations. “When someone like Gastón pushes you in this direction you have the responsibility to try.”

Tempura Matsu, Kyoto

“Michelin may have shunned this restaurant, but I liked it more than some of the grand three-star places in the city,” wrote Hayler of this family-owned establishment a 30-minute taxi ride from central Kyoto. Now run by the son, who worked with Alain Ducasse and Grant Achatz, it has transcended its roots as a simple tempura shop and become a destination for kaiseki kappo with premium ingredients like Tsuiyama snow crab, line-caught tuna from Aomori and lobster from the Seto Inland Sea. “This was an impressive meal, a modern take on kaiseki dining that is not afraid to break with tradition yet still respects it.”

La Nave de Sake, Barcelona

“This is a very cool concept that will continue to evolve,” says Goulding, who is based in Barcelona in part for the dining scene’s high quotient of amazingness. “In a city that has seen it all, La Nave de Sake is a truly unique dining experience. Run by heavyweight Argentine chef Sebastian Mazzola, the former creative director of Albert Adrià’s restaurant empire in Barcelona, and sake whisperer Sussie Villarico, it has turned an old industrial space into one of Spain’s greatest clandestine dining experiences. Mazzola is a master technician capable of concentrating outrageous amounts of flavor and texture into tiny packages, which he rolls out in nightly tasting menus matched to Villarico’s collection of rare and esoteric sakes. It’s less a formal restaurant than one of the world’s greatest dinner parties thrown for locals and out-of-towners alike.”

AOC—Aarø & Co, Copenhagen

“It’s not often you walk into a mansion with two Michelin stars and find that it smells just like home,” says Brask Thomsen. (Full disclosure: He has represented the restaurant for several years.) “But walk through the doors of AOC and the smell of wood smoke and reduced bouillon of Jerusalem artichokes hits you like a double shot of aquavit; a hunger-rousing welcome for anyone who loves good food.” Rather than dragging guests on his own ego trip, chef Søren Selin creates “artistic, curious and playful menus while always maintaining a high comfort and yumminess that keeps your palate safe,” and champion sommelier and restaurateur Christian Aarø’s superior knowledge of wines results in “tantalizing flights that embraces the old, young, conservative, edgy, conventional and organic wines in great storytelling.”

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Six Sensational ‘Year of the Rooster’ Watches for the Chinese New Year

No more bits and pieces. No more having to look at multiple stories and places online. Today we bring you a comprehensive look at the top luxury watches designed to celebrate the upcoming Chinese New Year beginning on January 28, 2017. This year begins the year of the rooster, and, five top brands unveil six sensational Chinese zodiac watches.

The rooster is the 10th sign in the Chinese zodiac (and was last honored in 2005). The rooster is generally aligned with loyalty, a sociable and friendly (albeit, a bit bossy) nature and with a punctuality that is bound to impress. This boisterous bird promptly calls out dawn and does so while puffing his chest, ruffling his colorful feathers and proudly showing off his scarlet red comb and waddle.

This year the luxury brands that salute the bugler bird include Ulysse Nardin, Jaquet Droz, Chopard, Piaget and Vacheron Constantin – brands known for unveiling an annual timepiece that blends Swiss craftsmanship, Chinese lore and a host of métiers d’arts. Interestingly enough, each brand has depicted the rooster in a decidedly different mode.

Ulysse Nardin, for instance, unveils its Classico Year of the Rooster in 18-karat rose gold and created in a limited edition of just 88 pieces. Powered by the in-house-made UN-815 self-winding movement, the 40mm watch is a COSC-certified chronometer that offers 42 hours of power reserve. The stunning dial depicting the rooster is created in the centuries-old technique of champlevé enamel.

The backdrop for the rooster is a rich copper-colored metallic enamel that reflects the sky at dawn. It is achieved using different metallic oxides in the painting process. Essentially, the dial is carved with a chisel and the carved cells are then painted and fired repeatedly to achieve the depth of color desired. Ulysse Nardin has mastered this craft and is one of the few watch brands to continue to produce unique champlevé enamel dials in its Donze Cadrans dial manufacture. At the base of the dial – – at the feet of the rooster — are eight blue-centered gold flowers. The rooster stands tall in all its majesty with blue feathers outlined in gold, a white head and a bold red comb.

Jaquet Droz this year continues its concept of releasing several versions of the Chinese New Year zodiac sign. Each depiction is created in a limited edition of just 28 pieces and there are two dial renditions of the Petite Heure Minute watch depicting the Chinese Fire Rooster. Additionally, each dial design is offered in two versions. One watch dial features a sculpted rooster in 18-karat rose gold standing in the bottom center of the dial and surrounded by a background of smoky gray, black and white flowers. The rooster is in its calling position, beak open and feathers ruffled – all magnificently carved and sculpted in gold. A second version of this dial depiction features the rooster in the same stance, but this time totally painted with dark blue feathers, a golden and red head and lush blue tail feathers – also against the muted background of gray, white and black flowers. Crafted in 18-karat white gold, the case and lugs are set with diamonds.

The second dial design is a fully hand-painted dial with the rooster standing in a similar stance but facing the other way. He is not calling out dawn, but rather seems to be looking at something else in a distracted mode. He is pained in white with rich black feathers and brilliant red comb and mettle. He stands beside green grass and a few pink flowers. This dial version is offered in rose gold and in rose gold case entirely set with diamonds.

Piaget also offers an Altiplano ultra-thin Chinese Zodiac watch in a hand-painted motif. Featuring a white mother-of-pearl background dial, the rooster is pained in Grand Feu cloisonné enamel with feathers in tones of gray, white and black. The bright red comb on his head and wattle on his chin offset it. Master enameller Anita Porchet has painted the dial and will paint each of the 38 limited edition pieces being made. The watch is powered by the Piaget 430-P manual-wind movement and is housed in an 18-karat white gold case 38mm set with diamonds.

Chopard also uses an ultra-thin movement in its L.U.C XP Urushi Year of the Rooster watch. For Urushi painting, the brand once again partners with the Yamada Heiando firm in Japan to produce the dials of the 88-piece limited edition watch. The lacquer used in Urushi paining is harvested sap, taken from the Urushi tree just once year. In this watch, lacquer is applied within mother-of-pearl cells that help enhance the   iridescence of the rooster, which is painted in vivid blue with gold and orange tail feathers. He rests alongside a bed of eight gladiolas. The L.U.C 96.17-L self-winding movement with micro-rotor powers is equipped with two barrels, offering 65 hours of power reserve. The 39.5mm watch is crafted in 18-karat rose gold.

Vacheron Constantin unveils two renditions of its Métiers d’Art “Legend of the Chinese Zodiac” watches, each created using sculpture, enamel work and engraving. The hands-free watches are powered by the technically advanced in-house-made mechanical Caliber 2460 G4, and the watch depicts time (hours, minutes, day and date) in jumping format via four apertures. The 237-part movement offers 40 hours of power reserve and the watches carry the distinctive Hallmark of Geneva certification attesting to their superb craftsmanship. The Grand Feu enamel   dial of the watch is etched with foliage that is then filled with gold. In the center of the dial – in full glory—stands a three-dimensional sculpted 18-karat gold rooster. The watch is offered in two versions: 18-karat white gold against a blue Grand Feu enamel dial; 18-karat rose gold against a dark salmon-colored Grand Feu enamel dial. Just 12 pieces of each version will be made.

Each of these ‘Year of the Rooster’ versions is new and will be in stores in 2017. Prices have not yet been established.

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The 2018 Ford F-150 gets updated looks and engines, plus that diesel you wanted

If you’re into trucks, you’ve been following all of the intel surrounding the 2018 Ford F-150. You’d have seen the spy shots of the refresh and know that there would be an optional light-duty diesel engine to go behind the grille. What we didn’t know was that almost every engine offering would be new or updated, or that there would be seven new grilles from which to choose. Spy photos and video can only tell you so much.

The 2018 F-150 is Ford’s big news for the 2017 Detroit show. We’ll start with the grilles, since that’s what you’re most likely to notice. Most of the new designs feature a two-bar appearance that stretches across the truck’s front end to give it a wider appearance. There are also some with a mostly open layout and one, on the top Limited trim, that fills in the space with chrome latticework. The grilles are supposed to create more visual differentiation between the various models and appearance packages, and from what we’ve seen they do just that.

All of the grilles are flanked by new headlight units in two versions, one for the low-end trims and one filled with LEDs for the more expensive models. The lights are reshaped, with their ends reaching farther toward the center of the truck. The grilles also dip down lower into a new bumper, with a filler piece separating bumper from lights and grille. Six new wheel designs range in size from 17 to 22 inches in diameter. The truck is a lot more refined looking in person, with a cleaner overall appearance than the version that debuted for 2015.

In the rear, the 2018 F-150 also gets new lighting elements, but the changes are more subtle – there is now a split between the upper and lower portion of the element, whereas before it looked to be all one piece. What’s more noticeable is the restyled tailgate, which comes in two varieties. The lower trim levels will get a creased trapezoid look with F-150 embossed across the lower portion (it seems the badges weren’t big enough for some people to notice). On King Ranch, Platinum, and Limited trucks, the embossing goes away and a fancy appliqué covers most of the upper portion of the tailgate. The decision to omit the embossing on those trucks apparently came late in the game, as a rendering we saw at Ford HQ had them both. The F-150’s chief designer said the combination of the stamped name and shiny trim looked too busy. We agree.

The long-awaited light-duty turbodiesel V6 arrives for 2018, but buyers will still have to wait a little longer for it. This 3.0-liter Ford-developed diesel won’t be available until summer of 2018, while the rest of the revamped F-150s will go on sale in the fall of this year. Ford is providing precious few details on the F-150’s Power Stroke, which is a version of the Lion diesel it builds for PSA and Jaguar Land Rover products, but we can get an idea of the kind of output it will offer from other applications – in Range Rovers, the 3.0-liter twin-turbo diesel makes 254 horsepower and 440 pound-feet of torque, so figure at least that much for the F-150’s version.

We do know that the diesel will come with the 10-speed automatic transmission, and Ford claims the 2018 truck will have the best tow ratings of any F-150 yet. We have a hunch they’ll be achieved with the Power Stroke. The Power Stroke F-150 should be the most efficient in the lineup, beating the current 2.7 EcoBoost’s maximum 26-mpg highway number. The new diesel is the F-150’s first and will compete directly with the Ram 1500’s EcoDiesel V6, which makes 240 hp and 420 lb-ft of torque and maxes out at 29 mpg highway.

Ford is also touching every other F-150 powertrain offering in some way for 2018, with the exception of the 3.5-liter EcoBoost, which was updated for 2017 with more power and a 10-speed automatic to go along with it. The base truck’s naturally aspirated 3.5-liter V6 is being replaced by a 3.3-liter V6 with port and direct fuel injection that will make as much power as the outgoing 3.5 – meaning at least 282 hp and 253 lb-ft of torque. It will be paired with a six-speed automatic, just like the 3.5 is today.

Next up is the 2.7-liter EcoBoost V6, which gets updates to produce more power and will also see a fuel economy improvement, likely owing mostly to the 10-speed automatic it’s being paired with. Ford will announce those numbers later. And then there’s the 5.0-liter V8, which is switching to spray-bore cylinder liners like those used on the Mustang’s 5.0-liter; that will reduce weight and along with other efficiency improvements and the 10-speed automatic will lead to undisclosed power and efficiency improvements.

Ford is also updating the F-150’s techie features for 2018. The available adaptive cruise control is upgraded to stop-and-go status, meaning it can bring the truck to a complete stop and pick up where it left off again in heavy traffic instead of shutting off cruise when it slows down. Pre-collision assist with pedestrian detection is also newly available, as is a 4G cellular radio with wifi hotspot capability. A B&O Play (as in Bang & Olufsen) sound system will be optional as well.

The F-150’s aluminum body and box remain the same, but there are likely some other changes that Ford hasn’t shared yet. We’re told there’s an update to the way the trailer hitch receiver mounts to the frame, which sounds as though the F-150 will adopt the stronger setup from the 2017 Super Duty. That version also includes nested sleeves to accommodate different hitch classes. The F-150 will once again be available in XL, STX, XLT, Lariat, King Ranch, Platinum, and Limited trims, and of course the insane Raptor is still in the mix as well. We’ll have more information to share before they go on sale later this year.

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10+ Habits of People Who Are Great at Saving Money

Good savers start early, say Janet Stanzak and Kristin Garrett, certified financial planners who started their firm Financial Empowerment as a way to help people kick bad money habits and develop better ones. Many good money savers were taught as children to sock away for a rainy day but even those who weren’t have learned to jump on an opportunity. “As soon as they see they have an option, like a retirement savings plan through work, they take it,” Garrett says. “Good savers don’t procrastinate financial decisions.”

Good savers have a retirement account

It’s not new advice but there’s a reason every financial adviser repeats it: Because this is your future we’re talking about. A good rule of thumb is to put 10 percent of your paycheck each month straight into a retirement account, Garrett says.

Good savers know the difference between wants and needs

One of the biggest lies we’re sold today, Stanzak says, is that wants are actually needs. “I’ve had so many clients try and tell me that travel, new clothing, and eating out are real needs,” she says. “They’re really not.” Instead, good savers actually write down a list of their basic needs, their wants, and their big wishes. These frugal living tricks will help you squeeze more out of everyday things.

Good savers don’t use bill autopay

Autopay makes banking easier: In fact, it makes it too easy for money to flow in and out without your really registering what’s happening, Garrett says. Whether it’s writing out a physical check or filling out the form online, intentionally paying your bills makes your brain note the expenditure. Even better, she adds, good savers write all those down in their budget. Which leads us to…

Good savers have a budget

Yes, a real, honest-to-goodness written chart or spreadsheet that they update and balance regularly is a trademark of good money savers. “The first clue you have that someone has a problem with money is when they can’t provide their monthly cash flow,” Stanzak says. You can’t save if you don’t even know how much money you have to begin with.

Good savers use cash or checks

This isn’t a hard-and-fast rule, Stanzak says, but good savers often tend to use physical types of money. “Research shows you spend 20 percent more when using a credit card because it makes purchasing feel less ‘painful,'” she explains. Handing someone a wad of cash or writing out a check provides enough of a mental speed bump to slow down many impulse buys. Here are 13 sneaky things your credit card company might know about you.

Good savers prioritize saving

It sounds simple but one of the best habits good savers have is simply making saving a priority in their lives, says Andrea Woroch, a consumer-finance expert. “Before spending on anything else, they pay themselves first by putting savings into a retirement account or other self directed savings account,” she says.

Good savers keep track of the little things

What’s a latte here or a $0.99 app there? Little things can add up to big expenses quickly, Garrett says, often before you even realize what’s happening. Good savers will write down in their check ledger or budget all their expenses, even the tiniest ones.

Good savers look for deals

eing frugal is a big part of saving money. And good savers are not too proud to use coupons, hunt down the best deal, or research all possible options before buying. “Good savers think through each purchase and research alternatives like used options, compare competitor prices, look for coupons, and read reviews in detail to make the best buying decision,” Woroch says. Here are 33 tricks to get deals on just about anything.

Good savers adjust for life changes

You’d be amazed at how many people get divorced but keep living their married lifestyle,” Stanzak says. Big life changes, like job layoffs, divorces, and illness, inevitably affect our budgets. Good savers amend their spending to reflect their new earning or income status regardless of how painful it is to acknowledge.

Good savers take free money

Does your employer give you a discount on your insurance for getting a check-up every year? Does your company have employee stock options or offer to match your retirement savings? Do you have flight miles or hotel points accrued that you’re not using? Many people leave this so-called “free money” on the table, Woroch says. It may take a little extra effort to fill out the paperwork, but it’s worth the time.

Savvy savers confess how low they go to save a buck

WE all know it’s not so easy to live in today’s economy.

Housing prices continue to rise, cigarettes cost a bomb, even just buying the groceries can break the bank.

But some money-savvy people have shared their secrets on how they manage to hold onto a couple of bucks, and you’d be surprised by the lengths they go to.

Some of their saving hacks are disturbing and at times even a little gross. Check out the best below.

CHEAP CONSUMPTION

Sometimes the McDonald’s ‘loose change’ menu just isn’t cheap enough.

One user posted to Reddit about how their mother used to save money — by taking her own cheese to Maccas to make her own cheeseburgers.

Others also said they took their own fizzy drink cans to save a couple of dollars.

While some people eat, others tend to skip meals with one Reddit user admitting to fasting on Fridays.

Another smart saver said she took advantage of the free refills at her usual coffee shop.

“I took the same cup to Starbucks for two weeks straight,” she said.

“I had to get rid of the cup when it started falling apart.”

HYGIENE HACKS

This is where things get a little bit gross.

One person admitted to Reddit they had used the same disposable razor for six months.

They also confessed to wearing the same contact lenses for more than two months — they were only meant to last two weeks.

Worse than that, one woman said she stopped buying tampons and sanitary pads.

She revealed she rolled up toilet paper into a makeshift pad.

She also said she repaired really old leggings by putting electrical tape on the inside of the holes. At least she admitted it was shameful.

We all know sometimes deodorant isn’t that cheap, but it’s an absolute necessity.

One money savvy person said they refused to waste one drop of their roll-on.

“Using a sharp knife, I made a speed stick deodorant last an extra month by scraping out bits with the knife and hand applying it to my underarms,” they said.

“You’d be amazed at how much is wedged in the applicator holes.”

This is possibly the most hilarious and creative way to save a bit of money.

A group of people used to hang around theatres where The Rocky Horror Picture Show was performed on stage.

They did this purely to collect the skerricks of toilet paper that were thrown by character Brad Majors when he yells “Great Scott!”.

 

DODGY DEALS

One man admitted to cheating the system to get cheap prices.

Usually people make fake IDs to pretend they’re older, but this man made one to make him seem younger.

“I laminated fake IDs when I was in college to get children’s discounts at places that offered cheaper prices for kids under 18,” he said.

This might not be the best plan however, as it backfired on him when he got caught at a ski resort.

“I had to pay the difference in front of all my friends,” he said.

The lift operator was scanning his friend’s adult tickets and then raised his eyebrows when he saw a children’s ticket in the mix.

The college student was trying to pass himself off as a 17-year-old.

 

 

Here are the front-runners to land Garoppolo, Romo in NFL’s QB shuffle

The jostling for the few intriguing quarterbacks on the market has already begun. The NFL combine is still weeks away, while the start of the league year is over a month away, but deep, internal strategic discussions are ongoing in several quarterback-needy front offices. These clubs are outlining their offseason plans at the most critical position in football, and targets have already been set.

The Chicago Bears will make a strong, concerted effort to acquire quarterback Jimmy Garoppolo from the New England Patriots , according to sources with knowledge of the situation. The Illinois native is far and away their top offseason priority.

The Dallas Cowboys will listen to offers for Tony Romo , sources said, once owner Jerry Jones has his meeting with the Pro Bowl quarterback. Romo prefers to be moved to a contending team — specifically, the Houston Texans , Arizona Cardinals , Denver Broncos or Kansas City Chiefs . The Buffalo Bills also have significant interest in Romo, team and league sources said, though they realize that it might be a tough sell. The Bills have not given up hope on retaining Tyrod Taylor on a lesser contract, too, though that might be wishful thinking on their part at this point.

Many teams view Garoppolo as the best option of all potential free-agent or trade targets, and the Bears will have competition. Teams like the Cleveland Browns , New York Jets and 49ers could provide opposition, but the Bears’ intent and willingness to complete a trade could not be more serious. Quarterback is an acute need — the Bears are moving on from Jay Cutler — and jobs are on the line there after two poor seasons from the John Fox and Ryan Pace regime. The Bears have abundant draft picks they could trade — including picks in the top three of each round — and while rival executives do not believe the Patriots will land a first-round pick that high via trade, a package including multiple high second-round picks is quite possible. Furthermore, trading Garoppolo out of the AFC would appeal to the Patriots, who expect him to prosper elsewhere.

The Bears have done extensive work on Garoppolo and are very comfortable with him. He shined in the preseason and was exceptional filling in for Tom Brady early this season and has strong roots to that community. He played at Eastern Illinois, where Pace played as well. Romo, Mike Shanahan and Saints coach Sean Payton are also Eastern Illinois products; Pace and Payton worked together in New Orleans and were very high on Garoppolo coming out of college.

The Bears are prepared to engage in talks on Garoppolo at the combine later this month, or sooner if need be. Trades cannot be officially consummated, however, until the league year begins in March. The Bears acknowledge it will be difficult to land much of anything for Cutler, with other teams preferring to not trade for him and instead wait for him to be cut to then sign him to a cheaper contract, though a suitor could emerge.

The Jets have strong evaluations on Garoppolo, but realize it’s virtually certain Bill Belichick would not trade the prized young passer within the division. The 49ers are very high on the Redskins’ Kirk Cousins, sources continue to maintain, but Washington will franchise the impending free-agent quarterback and is prepared to engage in talks in a lucrative long-term deal with him. It would take a huge haul of picks to pry Cousins away, and new 49ers coach Kyle Shanahan, who along with his dad drafted Cousins in Washington, has a ravaged roster with needs at every position. Paying that kind of draft-pick price could be prohibitive. The Bears also have done significant work on Cousins, but with the Redskins going to franchise him and that process playing out perhaps throughout the offseason, the timing may not work out and this team can’t afford to be left without a seat in these musical quarterback chairs.

The Browns have stockpiled draft picks (again) and will explore multiple quarterback options, and they and the Jets are highly intrigued by North Carolina quarterback Mitch Trubisky, as we first reported months ago. Texans coach Bill O’Brien is a big believer in Garoppolo as well, but he is stuck with Brock Osweiler’s salary for another year, and he is planning on giving Tom Savage every opportunity to win that starting job, sources said. Ownership has already declared the need to draft a quarterback.

Romo’s market will be robust as well. The Chiefs have to make a determination on whether he, or any other option, would give them a better opportunity to win a Super Bowl than Alex Smith does. Smith has already played out the guaranteed portion of his contract. If so, Smith would be a trade-worthy commodity as well. While some reported the Cowboys might just let Romo walk, the demand for him should be such that Jerry Jones gets a strong return on his investment. Some GMs opined that the Cowboys would get a second-round pick, plus potentially another high pick based on Romo’s playing time (injuries have dogged him in recent years).

The Broncos are likely inclined to give Paxton Lynch, their first-round pick in 2016, every chance to take the starting reigns there, so a trade might not match up. Fitting Romo under the salary cap with Osweiler would be a challenge for the Texans. If Carson Palmer retires, Romo could be an option in Arizona, and sources said the Cardinals are very high on Clemson quarterback Deshaun Watson and could be prepared to trade up to land him this spring. If the Cardinals determine Watson is out of their reach, Tyrod Taylor is very appealing to Arizona and would be a great fit in Bruce Arians’ scheme.

Buccaneers backup quarterback Mike Glennon is viewed as the best of the free-agent quarterbacks set to hit the market, and his market will further come into focus after the chase for Garoppolo and Romo concludes.

Here is a collection of places you can buy bitcoin online right now.

Colts owner Jim Irsay was ‘a little confused’ at first by Pat McAfee’s retirement, as many of us are

Money doesn’t and shouldn’t rule everyone’s decisions, so in some ways Pat McAfee should be celebrated for pursuing what makes him happy. But McAfee’s surprise retirement from his job punting with the Indianapolis Colts is going to take a while to process.

McAfee, who was slated to make $5.5 million in salary and made a Pro Bowl this season, quit to join the site Barstool Sports. I’m not sure what Barstool is paying these days, but it’s not $5.5 million over the next two years.

“I just turned down a lot of money in the NFL,” McAfee said on “The Dan Patrick Show.”

This isn’t like some other early NFL retirements, where players are worried about concussions. It’s not the first time someone has retired for a media opportunity. In 2004 Shannon Sharpe retired from the NFL because he was offered a spot on CBS’ studio show and didn’t know when that opportunity would present itself again. McAfee was in no danger of Barstool Sports not keeping a spot open for him.

“When Barstool Sports approached me about the potential of joining their family whenever I’m done with football, I said, ‘I might be done sooner than some think,’” McAfee said on “The Dan Patrick Show.”

As a punter, he has more time for side projects and could have worked more in the media on the side. But he decided to make a clean break.

McAfee said he started thinking this season, “There has to be more to life than kicking balls.” McAfee has started a stand-up comedy career, and this career change is a way to keep pursuing that. He said he met with Colts owner Jim Irsay on Monday to tell him his plans.

“For the first 15 minutes he was a little confused, and was trying to lure me back,” McAfee told Patrick. “Once he saw my excitement and I showed my incredible gratitude to him, we had an hour and 30 minute conversation and all he did was support me and he was excited for me.”

One thing that can make sense for anyone is that McAfee was dealing with knee problems. He was scheduled to have his third knee surgery in four years, with “more surgeries certain,” he said.

“It was definitely a part of it,” McAfee said. “My brain and shoulders are going to be good for the rest of my life hopefully because I don’t play one of the super tough positions of football obviously, but my knees have really taken a beating. The last half of the season I really couldn’t walk much on days I didn’t kick. I’d lay in bed and ice my knees. I felt like a 90-year-old man.”

McAfee shocked everyone by announcing his retirement late Wednesday night on Super Bowl week. The whole thing was sudden, even a bit for him it seems.

“I actually was googling this morning, how do you exactly retire from the NFL?” said McAfee, who said he hadn’t yet filed his retirement papers. “I don’t know what to do.”

Anything but subtle | 2017 Lamborghini Aventador S First Drive

It’s just past dawn and I’m running on a thin supply of caffeine and adrenaline, but the 2017 Lamborghini Aventador S I’m chasing around Circuit Ricardo Tormo just made me crack a grin: faint blue flames are simmering deep within the leader’s three exhaust pipes, pulsing almost imperceptibly as it whips around the track.

Few things about the Lamborghini Aventador LP700-4 (including its alphanumeric name) were subtle, but the boys in Sant’Agata Bolognese have gone full-bore at refining the famously unwieldy flagship enough to make it drive as capably as it looks. This updated version has been rechristened with an S at the end of its name, and yes, in the twisted microcosm of earthbound fighter jets, flames coming out of hindquarters qualify as subtle. Of course the Aventador S produces more power – to the tune of 729 horsepower, a 38-hp climb from before, with torque only increasing by one, to 509 pound-feet – and the extra grunt affects neither its 0-to-62-mph time of 2.9 seconds nor its terminal velocity of 217 mph. But version 2.0’s most notable improvements apply to the big Lamborghini’s chassis, which now uses a four-wheel-steering system to countersteer the rear wheels below around 75 mph, and turn them in phase with the fronts for stability at higher speeds. The system responds in 5 milliseconds, and has the virtual effect of shortening the wheelbase by up to 20 inches or lengthening it by 27 inches. In case you’re keeping tabs, the extra 13 pounds of the steering hardware are offset by a new titanium exhaust system, essentially rendering the curb weight unchanged.

If you’ve ever tried to toss a boomerang through a maze, you’ve got a basic idea of what it took to carry an original Aventador through a high-speed corner. The act required some patience to allow the front wheels to dig in and take hold, and even more resolve to wait for the perfect moment to squeeze the right pedal and power out of the apex. Accelerate too early, and you’d suffer terminal understeer until you allowed the weight to shift, likely triggering traction control as you goosed the throttle on the way out. At the Spanish track, the new Aventador manages something the first one couldn’t: though it still retains some understeer, it also dances and turns more willingly, snaking its way through each corner with a gratifying combination of weight transfer and grip. Oh happy, fire-breathing day.

There’s more than four-wheel steering at play helping the Aventador S grapple with the corners. On top of revised suspension kinematics and geometry as well as new upper and lower arms and wheel carriers, the pushrod suspension now uses adaptive magnetorheological shocks like those on the Aventador SV. The stability control and Haldex all-wheel-drive systems have been revised so power doesn’t dump to the front wheels during off-throttle maneuvers, making it easier to steer the beast with the right pedal and power out of corners. Revised aerodynamics boost downforce and decrease drag, depending on the three-setting spoiler’s position. The new EGO system offers customizable drive modes, separating steering, suspension, and drivetrain settings for a total of 24 combinations. Last, and certainly not least, the notoriously herky-jerky seven-speed automated manual gearbox has been re-tuned for (slightly) more smoothness.

To highlight the improvements, Lamborghini provided a back-to-back slalom drive between an Aventador LP700-4 and the new S model. The sum of the changes are dramatic: where the old model feels bulky and reluctant to turn, the new one seems hinged at the middle, negotiating surefootedly through the tight course of pylons. The Aventador S feels smaller, nimbler, and livelier, its four-wheel-steer system responding imperceptibly to driver inputs.

After the slalom exercise, I return to the 2.5-mile circuit determined to push the supercar harder. Though new rainfall begs for caution, the screaming V12 tickles the devil on my shoulder and against the advice of event organizers (kids, don’t try this at home), I switch off the electronic aids. As expected, with my right foot acting as traction control, the combination of a relatively light flywheel effect, low surface friction, and obscene power makes the Aventador S’s tail snap out of line dramatically when instigated. But unlike the LP700-4, the S feels more composed as it drifts at speed, responding to stabs of the throttle and brake with the appropriate weight transfer and yaw rotation. It may not deliver the ultimate precision or control, but it’s a palpable improvement over the previous car.

When track time ends without incident, it’s time to drive home on public roads and highways, an act of automotive shock and awe that leaves a trail of incredulity and wonder with the locals. To see an Aventador rumble down Rodeo Drive is one thing, but entirely another when it’s passing through a modest European country that’s unaccustomed to exotics that cost more than a suburban home. Though we don’t come close to exploiting the car’s limits through mountain passes, the Lambo feels more composed and better connected with the tarmac that passes beneath it. The transmission still pauses and lurches, but less abruptly. Engineering changes aside, the Aventador’s human factor is, as before, absolutely off the charts: the low-slung Italian wedge has a way of making women stare, men cheer, and children break out into visible hysterics. It’s the stuff of classic Lamborghini, packing the sort of visual wallop that inspires teens to hang posters on their walls and middle-aged men to deplete their IRAs.

 

For all of its mechanical excesses, the Lamborghini Aventador S still doesn’t make a whole lot of sense to level-headed high-end car shoppers. If you want a more logical Lambo that happens to be a better driver’s car, consider the Huracán: it’s lighter, more tossable, and considerably better behaved thanks to its seamless dual-clutch and revvy V10. Or better yet, hold out for the Huracán Performante, which should be even swifter than the current (sold out) king of the hill, the Aventador SV.

But, if nothing less than the most dramatic, in-your-face snorting bull will do, there is no replacement for the almighty Aventador S, an unapologetic flagship that easily makes other supercars look commonplace. Though not without its quirks, Lamborghini’s top dog proudly remains the last naturally aspirated, carbon-bodied, mid-engine V12 car in serial production. That automotive peerlessness not only makes it easy to forgive its clear and present flaws, it makes the $421,350 MSRP seem well worth every penny.