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Nash Grier, Ansel Elgort Show Off Their 'Bad Sides' With #UglySelfieChallenge

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The newest Instagram trend is taking on a different side of the selfie.

The #UglySelfieChallenge started when Vine star Jerome Jarre posted an unflattering selfie on Instagram along with a caption explaining how “we all care way too much about our look.” His followers uploaded their own selfies, prompting Jerome to create the challenge and nominate Martin Garrix, Nash Grier and Ansel Elgort.











Fanks @nashgrier #UglySelfieChallenge i nominate @geoff_warburton , @scottharris123 and @sammywilk

A photo posted by Shawn Mendes (@shawnmendes) on





















Ansel accepted and posted a hilarious photo that was already in his camera roll. He supported Jerome’s focus on inner beauty adding that “society is becoming this place where people judge each other on followers and likes.”





While the posts are definitely giggle-worthy, the challenge reveals something deeper. The tag is worth browsing to see a different side of Instagram beyond its likes and filters.

But first, let me take an ugly selfie.

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How We're Reacting To The End Of Lip Smackers (And Our Youth)

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In life, trends come and go. Things that we seemingly were never able to live without (the Spice Girls or Jessica McClintock prom dresses, to name a few) go away, and remind us of just how much we loved and appreciated those things once upon a time. Bonne Bell, the company that owns Lip Smackers, is one of those things.

Whenever news surfaces that a childhood staple of ours is now a thing of the past, there's a small (OK, huge) pang of sadness that ensues. Even if you have not purchased or even thought about a Lip Smacker since the early 2000's, you can understand the heartbreak that came upon reading this WYKC report that Bonne Bell is shutting down operations in its hometown of Westlake, Ohio; Lip Smackers will only be available in Asia, Europe and Australia come March 29.

Here at HuffPost, we're devastated about the loss. Many of us grew up collecting every flavor, trading them with our friends and even sneaking in a lick (or three hundred.) So, in honor of yet another piece of our youth being nabbed away from us, we've rounded up the best reactions and memories from around our newsroom.

Take a look, and then head directly to your nearest Lip Smacker retailer. You're going to want to stock up on that Dr. Peppery goodness.

"I tried eating a Strawberry flavored one with a friend in first grade. It smells better than it tastes." Alanna Vagianos, Associate Editor, Women

"NO. NO. NO. STRAWBERRY FLAVOR FOREVER." Renee Jacques, Associate Viral Editor




"I hoarded those in 3rd grade... only to one day come home and find my then-1-year-old brother with all of them in front of him, empty. He ate my damn Lip Smackers." Brie Dyas, Senior Work Life Editor

"I used to put this milk chocolate lip thing on so much. I would put it on my lips on the bus ALL THE WAY from school to my house (a 10-minute drive) in first grade. I still have an old tin of them at my house!" Carly Ledbetter, Associate Editor, Lifestyle

"EXCUSE ME WHILE I RUN TO KMART AND BUY THE ENTIRE WALL OF THESE." Kristen Aiken, Executive Food Editor

Major life decisions to be made in the Lip Smackers aisle at K-Mart.

A photo posted by Kristen Aiken (@aikenforbacon) on




"My first kiss was cotton candy laced thanks to Lip Smackers!" Julee Wilson, Fashion & Beauty Editor

"UGH. My 13-year-old heart is broken. Vanilla Frosting-flavored Lip Smackers is 7th grade in a makeup tube. That scent will forever be permeated in my brain as a reminder of the days of fickle friendships, rocky romances, awkward school photos and the first time I was allowed to go to the movies without my parents." Lindsay Holmes, Associate Editor, GPS for the Soul

"I went to Catholic school and we weren't allowed to wear makeup, but I could get away with wearing Bonne Bell lipgloss. Kept me lookin' good through those grammar school years." Cavan Sieczkowski, Senior Trends Editor

What a collection! How do you store your favorite ones? #regram from @amazebalms #lipsmacker #lipbalm #lipsmackers

A photo posted by Official Lip Smacker (@lipsmackerbrand) on




"All the cool girls used to carry Lip Smackers on key chains at my school. I also used to spend hours in the drugstore picking out which flavor I wanted, and after I bought it, I would promptly lick it off my lips." Michelle Persad, Fashion Editor

"TRAGEDY." Emma Gray, Senior Editor, Women

"This is worse than when the Spice Girls lollipops were no more." Leigh Blickley, Celebrity Editor

"I vividly remember always going to the Lip Smackers section in Claire's and marveling at all of the flavors. While I was more of a "window shopper" than an actual consumer, I usually admired Smackers with my eyes. I will say that I loved the Dr. Pepper, Root Beer and Tootsie Roll smackers, despite not being huge fans of the in-real-life versions of them." Chanel Parks, Associate Editor, Style

And if these memorials aren't enough of a tribute for you, here's an entire eulogy:

"I have vague memories of eating half a stick of Strawberry after my mom sent me to my room without dessert ("This'll show her!") Years later, that visceral experience had apparently not reduced the romance associated with Lip Smackers. When I learned something about scent being associated with memory, I became convinced I had to train my very first "boyfriend" to love me by smell. The fact that he rarely wore deodorant (and that we mostly talked over AIM) was besides the point. When we had our fleeting interactions on the playground -- before running away from each other in opposite directions out of sheer embarrassment -- I would always smell like a hefty dose of strawberry-esque chemicals. RIP, Bonne Bell. My lips feel vaguely chapped already." Lauren Duca, Entertainment Reporter

Protect your lips from the sun with these delicious sporty SPF 24 lip balms. #lipsmacker #lipbalm #summer #fun

A photo posted by Official Lip Smacker (@lipsmackerbrand) on




(h/t Cosmopolitan)

Kim & Kanye Are Pretty Much Besties With President Obama

We Promise This Wedding Photo Isn't As Inappropriate As It Looks

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The morning of the wedding can be an emotional roller coaster for the marrying couple -- that we know. But here's one groom who was simply unable contain his, er, excitement.

2015-01-30-13015kmlNSjq.jpg
Credit: Chelsey LeBlanc Photography

KIDDING. That's not actually an erect penis. If you haven't already figured out what's going on here, allow the groom, Ian, to explain.

"Getting dressed before my wedding," he captioned the photo on Reddit on Thursday. "Only noticed the belt after the pictures had been distributed."

This very happy accident occurred at Ian's 2013 wedding in New Brunswick, Canada, but it wasn't until he posted the kinda-sorta d**k pic on Reddit this week that it aroused the attention of more than 2 million people. Photographer Chelsey LeBlanc called the sudden attention a "very unexpected surprise."

"It was noticed not too long after the photo was given to the client and was posted on Facebook," she told The Huffington Post. "We laughed about it at the time. In fact, Ian is the one who posted it on Reddit simply because he thought it was amusing."

If you ask us, you're never too old to find a penis-belt "amusing."

H/T Reddit

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Selena Gomez's Forever 21 Top, Beyonce's Zara Pants And More Cheap Celeb Finds Of The Week

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There are so many great sales happening right now, it's hard not to blow your paycheck on awesome winter duds. And while we don't need too much help in the shopping department, we are always pleased to see our favorite stars step out in outfits that are both stylish and affordable.

This week Beyoncé sat courtside at two basketball games in inexpensive pants -- a pair of $85 jeans from Topshop and some cool faux leather ones from Zara. And if that isn't enough to make you excited, Selena Gomez looked every bit the minimalist in a light gray ribbed-knit sweater from Forever 21 (that you can easily scoop up for under $20).

Check out the best cheap celeb finds of the week and let us know which ones you're coveting.

7 Things You Should Never Say To A Woman Who Loves Football

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This post originally appeared on Bustle.

By Rosanne Salvatore

Hey world, are you sitting down? I need to talk to you about something, and some of you probably won't like it, but I'm just going to come out and say it. There are millions of real female football fans out there, and I am one of them. Holy shit, did some of you just faint? If you've regained consciousness, please quickly run through all your stages of shock (it usually goes something like denial, anger, acceptance) so we can get on with this conversation. As Super Bowl Sunday approaches (aka my favorite religious holiday of the year), I find it absolutely mind boggling how confused people are by female sports fans. I'm not sure when females liking football became some rare disease that afflicts only remote sections of our population, but I've actually lost count of how many men, and yes women, are mystified by me. And I'm not even talking about my hidden talent to spill my beer, pick it back up, and spill it again, repeatedly. I'm talking about my sincere love for the game of football.

Like all great love stories, me and football have had our ups and downs. I am well aware that the NFL is not having the ~best~ year. It's my hope that the more we talk about issues like domestic abuse in the NFL, the closer we are to tackling these issues in society too. I wish I could say that I get most pushback because of the stigma of violence in the NFL, but actually the most ignorant things that've been said to me as a fan are simply because I have a vagina (which means my brain is smaller, right? #eyeroll). So while we all gear up for Super Bowl Sunday, I'm going to run down a few things you should never, ever say to a female football fan. Or go ahead and say them if being a giant, ignorant asshole is your thing.

1. Name me five people on the team playing right now. Oh you can't? You're not a football fan.



I didn't realize we'd be having a pop quiz this weekend. Also, not sure how knowing random asinine trivia facts qualifies me as a fan. So yeah, I'm not going to whip out my junk to compare sizes. Sorry, not sorry.

2. Do you even understand what's happening right now?



Nope. No clue. I usually just stare at the TV for hours at a time without registering what's going on, because that's highly entertaining.

3. You like beer?



Do yourself a favor and just stop right now, because I can already anticipate the next five sexist things you're going to say about my drinking.

4. Which player do you think is the cutest?



I just cannot with this one.

5. I bet you can't wait for the Super Bowl Halftime Show, right?



Literally don't even know who's performing. Also, don't really care. Halftime = time to heat up more CHEESE dip.

6. What do you think about the Ray Rice scandal?



Well let's see. I am a human. I don't condone violence and strongly stand behind that life motto for all other humans. So, just like the rest of all football fans who may be male, female, green, gay, white, black, I think it's a bad look for everyone.

7. You're just like one of the guys!



I know, can you believe someone let me out of the kitchen so I could hang out with all you dudes? Me neither!

Images: Giphy (7)

More from Bustle:

Super Bowl Monday Should Be a National Holiday, So Sign My Petition And Then Help Yourself To Another 15 Chicken Wings

I'm a Woman Who Lives for Football, and Not Because My Boyfriend Likes It

Ray Rice Almost Got Away With Domestic Abuse, And We All Let It Happen





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Here's Everything You Need to Know About What's Going on With Bruce Jenner in One Sentence

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No matter how many outlets -- from trashy gossip rags to (supposedly) reputable entertainment magazines -- make claims about Bruce Jenner's current "journey," as Kim Kardashian recently put it, citing however many anonymous sources "close to the family" (even if those sources turn out to be the family itself, which can often be the case), let's remember that Jenner has said nothing about what is happening and this entire situation -- whether it's true that Jenner is transgender or not and whether it's a strategic publicity campaign or leaked info or totally untrue -- paints being trans and coming out as trans as something that's rooted in and deserving of rumors and secrecy and shame and that isn't good or helpful or healthy for any of us.

Also on The Huffington Post:

How To Stream The Super Bowl For Free Online In 2015

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It’s Super Bowl Sunday, and you are frantically searching for some way to watch the game with all those friends you invited over at the last minute, right? That, or you are at home alone with a pint of ice cream.

Either way, it's OK, and everything is going to be fine! It's actually super easy to watch the Super Bowl online this year. Just click over to NBC, and they'll have everything set up for you. You don’t even need proof of a cable subscription or anything.

nbc sports
Yes, dear American, your online dreams have been answered


Want to watch 10 straight hours of Super Bowl coverage in what can only be described as the modern-day equivalent of Chinese water torture? You can! NBC will start its livestream at 12 p.m. Eastern Standard Time on Sunday, Feb. 1, and will continue to stream Super Bowl coverage until around 10 p.m., when it’ll throw on a new episode “The Blacklist.” The actual Super Bowl starts around 6:30 p.m. on NBC.

This isn’t the first time NBC has streamed the Super Bowl, but it is the first time it’s been able to include the halftime show in the stream, which is good news for those of you who are forced to watch the Super Bowl but hate, you know, football.

One thing to note: The streaming service won’t work on your smartphone. But honestly, you don’t want to be that guy anyway.

We Totally Called Poppy Red As 2015's 'It' Lipstick Color

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If you missed our predictions for what's in and out for 2015, here's proof we were spot-on that poppy red is the must-have lipstick color.

At the 2015 SAG Awards, actresses accentuated their winter white dresses and black floor-length gowns with poppy red lips. The fiery shade looked stunning on blondes as well as brunettes, and was a refreshing change from the usual matte nude lipsticks.

Get inspired by these bright and beautiful poppy red lipstick looks below, and see which other celebrities's made this week's best and worst beauty list.

BEST: Laura Carmichael

laura carmichael

The "Downton Abbey" star is positively glowing on the SAG red carpet with her tousled blonde waves and poppy red lip color. It warms up her milky complexion and pops against her white halter dress.

BEST: Rosamund Pike

rosamund pike

Pike's textured black-blue dress has a lot of interesting details. By keeping her hair and makeup simple, the result is a truly effortless red carpet look.

BEST: Caitriona Balfe

caitriona balfe

We've seen this lovely combination of red lips and marigold gowns before. (Remember Michelle Williams' Vera Wang dress at the 2006 Oscars? And that amazing Atelier Versace number Emma Stone wore to London's premiere of "Spider-Man 2"?) Balfe's take on the trend is just as gorgeous with her side-swept curls, subtle mascara and that stellar statement earring.

BEST: Rashida Jones

rashida jones

Jones handled this awkward moment on the SAG red carpet with class. Plus, she looked spectacular with her eyelash-grazing bangs, heavily lined lids and berry lips.

WORST: Julie Lake

julie lake

Can you believe this is Julie Lake of "Orange is the New Black" fame? We hardly recognized the actress, as her naturally stunning features are covered in heavy eye makeup. A softer smokey eye would've balanced out her dark hairdo and shimmering gown.

WORST: Lorelei Linklater

lorelai linklater

Colorful hair extensions are super fun, however, the 20-year-old's blue-tipped ponytail clashes with her classic makeup and Victorian-esque gown.

WORST: Ella Eyre

ella eyre

We're fans of Eyre's wavy curls and clearly her poppy red lipstick, but what's giving us pause are her jagged bangs, which don't complement her round-shaped face.

WORST: Lulu Tan

lulu tan

Pressed powder can be both a blessing and a curse. While it helps to minimize shine and provide a greater hold for makeup, it can wash out someone's complexion when too much of it is applied.

These Couture Moments Will Take Your Breath Away

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It doesn't get much better than Paris Haute Couture.

As expected, a few of our favorite designers knocked it out of the park this season with their Spring/Summer 2015 collections. From Dior's intricate scaffolding set to male bridesmaids at Chanel, we couldn't stop drooling over our keyboards. Thanks to our reliable friend Instagram, it was almost as if we were sitting in the front row with Hamish Bowles. Almost.

Scroll down for all kinds of runway envy!

The intricate scaffolding set at #diorcouture. Photo by @parisinfourmonths. @dior

A photo posted by Vogue (@voguemagazine) on













Haute Couture beauty by @thevalgarland and hair by @orlandopita

A photo posted by Giambattista Valli Official (@giambattistapr) on







#Schiaparelli's golden #couture moment. #regram @hamishbowles

A photo posted by Vogue (@voguemagazine) on




coolest boots you'll see today #dior

A photo posted by Kevin Tachman (@kevintachman) on









The Best Accessories We Saw During Paris Couture Week

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Ladies and gentleman, fashion month is almost upon us. And while we are eagerly awaiting all the ready-to-wear collections, right now we have Paris Couture Week to sink our teeth into.

Over the last couple of days, designers including Chanel, Valentino and Elie Saab showed their stunning Spring 2015 couture collections. Of course, we love what came down the runways, but what we really couldn't tear our eyes away from what was happening on the streets.

Below are some of the best accessories we saw during the week. We know, we're jealous too.

Harry Styles' Hair Turns 21 Today So Let's Celebrate

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One Direction might have one of the largest fanbases ever, but we here at HuffPost Style crush on the boyband for one specific reason: Harry Styles' glorious hair. From the early days of his somewhat-cropped curls to his bad-boy lob (yep, that's a thing), Styles' locks just get longer by the year, and we LOVE it.

So, in honor of the heartthrob's 21st birthday, we've compiled a visual timeline of sorts, that shows the evolution of Styles' mane.

Happy birthday, Harry and have a drink, on us!

harry styles hair gif
GIF courtesy of Tiara Chiaramonte


If you love stylish dudes like we do, check out HuffPost Style's Pinterest!

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These Valentine's Day Quotes Prove Your Bae Doesn't Have To Be A Person

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February is rough -- between the bitter cold and Valentine's Day, it seems like the the universe has deemed this month an epic fail for anyone without a boyfriend or girlfriend. But just because you're single doesn't mean you don't have a bae in your life. And those baes deserve some love and attention too.

We rounded up some romantic quotes to be sure your non-human significant others feel the love on Feb. 14.



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Katy Perry And John Mayer Might Be Dating Again, Look Cozy At Super Bowl After-Party

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Does Katy Perry want to make sure John Mayer isn't the one that got away?

Nearly a year after calling it quits for the third time, the pair is rumored to have reconciled once again.

Following Perry's over-the-top performance at the Super Bowl halftime show on Sunday night, the two were all smiles and looking cozy as they posed with Missy Elliot at an after-party:




A source told Us Weekly that the 37-year-old singer was waiting behind the scenes to congratulate Perry when she came off the stage following her much-talked about performance.

Perry, 30, and Mayer, rumored to be engaged shortly before their last split, has been seen out in Los Angeles recently, first sparking rumblings they are back together.

In early January, they were spotted showing some light PDA while on a double date with "Girls" star Allison Williams and her fiancé Ricky Van Veen at the Chateau Marmont in West Hollywood. According to People magazine, Mayer was spotted greeting Perry with a kiss and the two held hands throughout the night.

Verne Troyer Responds To Katy Perry's Halftime Show In Best Way Possible

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Katy Perry's halftime show during Super Bowl XLIX was probably most memorable for the costumed people around her, specifically dancing sharks that pretty much stole the show. After the Super Bowl had finished and the New England Patriots had won the Lombardi Trophy, actor Verne Troyer celebrated his team's success by responding to Perry's performance with a photo of himself wearing his very own shark costume. Troyer posted to Facebook, Twitter and Reddit, claiming, "Dear Katy Perry, I wore it better." Troyer originally posted the image during 2014's Shark Week:



One of the top comments on this new Reddit thread told Troyer that he was "missing the laser beams attached to their heads." This, of course, is a reference to Troyer's role as Mini-Me in "Austin Powers: International Man of Mystery."

Troyer also posted a photo with Tom Brady:

verne




Brady Image: Verne Troyer's Facebook

'Star Wars' Exhibit Shows The Force Is With The Costumes

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SEATTLE (AP) — The creators of a new traveling exhibit on the costumes of Star Wars are hoping to gather geeks, fashionistas and movie fans together to discuss how clothing helps set the scene.

But mostly, the exhibit that opened this past weekend at Seattle's EMP Museum is an opportunity to see 60 original costumes from the six Star Wars movies in one room — from Princess Leia's slave bikini to Queen Amidala's wedding dress, which has not been part of any previous public display. The exhibit, "Rebel, Jedi, Princess, Queen: Star Wars and the Power of Costume," was created by the Smithsonian Institution Traveling Exhibition Service and the Lucas Museum of Narrative Arts and will be traveling across the United States through 2020. The exhibit is scheduled to be in Seattle through early October and the creators have not yet announced the next stops.

The exhibit designers want people to know this is a rare opportunity to see the costumes up close and personal, without Plexiglas in the way. But be warned, the alarm system will loudly rebuke anyone who leans in too close.

Photography is allowed, but no flash, tripods or selfie sticks. The Darth Vader costume is set off on its own, perfectly arranged for selfies.

Videos of filmmaker George Lucas, costume designers and star Natalie Portman, along with the descriptions under the costumes, share a wealth of insider information about costume construction and idea development.

The displays also talk about cultural influences from Africa to Asia. Quotes from actors talk about the way the costumes made them feel, from Carrie Fisher's experience in what she called the bikini from hell, to the power the Sith lords felt in their getups. Gloomy lighting and music from the films permeates the exhibit space.

"The costumes help the characters really come to life," said Laela French, the Lucas Museum's senior manager of exhibits and collections.

She talked about the visual clues the costumes offer, such as the way Anakin Skywalker's Jedi robes darken as he gets older and closer to becoming Darth Vader. Most people don't notice that Luke Skywalker's robes also darkened through his trio of films, showing the mix of light and dark in his character as well, French said.

Star Wars experts may not learn anything new, but a lot of people probably don't know that the lights in Queen Amidala's dramatic red throne room gown were powered by a car battery that had to be worn underneath the heavy costume during filming of "The Phantom Menace."

Among the other display descriptions: Amidala's wedding dress was made partly out of an Italian lace bedspread; and Chewbacca's fur is a combination of Yak hair and mohair.

The costumes are displayed on faceless mannequins instead of life-size figurines to put the emphasis on the clothes and not the characters, French said.

Because the costumes for the second trilogy of films — the prequels — were so much more elaborate and interesting, the exhibit shares many more of them, including several walls of clothing worn by Queen Amidala and her attendants.

But the highlights of the exhibit for most people will be the old ones, including the two droids, which were costumes worn by people, not puppets as some assume. Most of the puppets and computer-generated creatures are not represented. Yoda is present, but slightly hidden.

There are no hints of the new movie, scheduled to come out at the end of 2015.

Some gift shop highlights: Chewbacca slippers, storm trooper knit cap and a travel T-shirt that says "Welcome to Tatooine."

___

If you go:

"Rebel, Jedi, Princess, Queen": Jan. 31 to Oct. 4 at the EMP Museum, 325 Fifth Ave. N., Seattle, http://empmuseum.com , 206-270-2702. Open daily 10 a.m. to 5 p.m. Timed tickets from $23 to $29 weekdays; $24 to $30 weekends; children 4 and under free.

This Single Dad Couldn't Do His Daughter's Ponytail, So He Went To Cosmetology School

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Colorado-based dad Greg Wickherst has been shaving his head his whole adult life, so when it came time to put his daughter Izzy's hair into a ponytail, he was clueless. "Hair has definitely not been my thing," Greg told The Huffington Post.

Greg and Izzy's mother split up over a year ago, and the soon-to-be 3-year-old spends most of her time living with dad. So, hair had to become his thing. The dad works as an admissions representative at the IntelliTec College, which luckily, has a cosmetology department.

Last summer, Greg visited the department to ask students to help him out. "In no time, I was able to do a simple braid, then a fishbone braid, and a French braid. I learned how to do a ponytail, then flip it through itself either under or over. I call that an inverted ponytail," he said.

Now, Greg is a hair whiz and shows off his creations --which Izzy loves, too -- on Facebook. But besides learning to perfect hairstyles, the dad says his best advice to other single fathers is just to enjoy every minute of it. "The good and the not-so-good. Even the blowout diapers, the tantrums in the store, and the late night, up sick, catching-throw-up-in-your-bare-hands nights. Because it doesn't last forever."

Check out Izzy's cool hairstyles here:

What To Do With All Those Store Credit Cards In Your Wallet

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Suze on a financial backup plan that may backfire. Plus, how to test the investment waters.

By Suze Orman


Q: I have three store credit cards because I was tempted by the discounts offered when I applied. But the annual rates range from 24.5 to 26.99 percent, which I fear could get me into trouble. Should I just close the accounts?

Suze: I've always advised staying away from store cards, which their insanely high interest rates. The retailer lures in with a 5 or 10 percent discount, which becomes worthless as soon as you're charged 25 percent interest on your unpaid balance. If you have any balances, pay them immediately. Don't tell me you can't afford it: Use my free Expense Tracker at SuzeOrman.com to figure out ways to reduce your spending. There's no advantage to closing the accounts, and doing so could actually hurt your credit score. But once the balances are paid off, cut up those cards!

Q: I owe $11,000 on my mortgage at 4.87 percent interest, and I have four years left. I'm hoping to find a lower rate and apply for a cash-out refinance that will yield an additional $20,000, which will help me cover some monthly expenses and my son's college tuition next fall. Is this a smart strategy?

Suze: Unlike a home-equity loan or line of credit, a cash-out refinance replaces an existing first mortgage with a new one for an amount greater than the current balance. However, if you choose that option, under no circumstances should you think about a 15- or 30-year loan. Apply for what's called a 5/1 hybrid adjustable-rate mortgage with an interest rate (currently 3.3 percent) that stays fixed for the first five years, then resets annually. To pay off a $31,000 mortgage over that five-year period, you'd owe about $560 a month. If you can't handle that amount or pay off your mortgage within five years, I wouldn't do it. More to the point: If you can't cover your expenses now, you might need to rein in your spending -- and you certainly won't have the funds to pay for college next year. Advise your son to take out federal student loans. (For more information, go to StudentLoans.gov.

Q: I'd like to start actively investing. What dividend-paying investments would you recommend?

Suze: Companies that regularly pay dividends (a percentage of their earnings offered to shareholders) tend to be stable firms with strong balance sheets and stock worth owning -- especially if they consistently sustain or increase the payouts. Be aware, though, that companies cut back or suspend stock dividends altogether if faced with real trouble, such as a major financial crisis. You could start by choosing low-cost, no-load (commission-free) mutual funds or exchange-traded funds (ETFs) that focus on the stocks of dividend-paying companies. The SPDR S&P Dividend ETF draws from S&P 1500 companies that have increased their dividend payouts for at least 20 years in a row. Both the Vanguard Dividend Appreciation ETF and the Schwab U.S. Dividend Equity ETF include the stocks of companies that have paid dividends for at least ten consecutive years; they charge slightly lower annual fees than the SPDR (0.10 percent or less, compared with 0.35 percent). If you prefer not to open an account with a broker, you'll have to invest in a mutual fund rather than an ETF. Try the Vanguard Dividend Appreciation Index Fund, which charges a low 0.20 percent annual fee.

A well-diversified investment portfolio also includes international stocks and bonds, as well as some cash. I encourage you to learn about asset allocation and consider your options beyond U.S. companies. You can find free information on the websites of the brokers Fidelity, T. Rowe Price and Vanguard. If you decide to see a financial planner, avoid any potential conflicts of interest by selecting an adviser who charges a flat fee rather than a commission.

Suze Orman's latest book is
The Money Class: How to Stand in Your Truth and Create the Future You Deserve (Spieglel & Grau).




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How Fairfax Became The Coolest Street In Los Angeles

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You could think of Fairfax as the lower east side of Manhattan, but with palm trees. You could call it "the Rodeo Drive of streetwear," as habitués of the street's many sneaker and T-shirt shops are wont to do. You could posit that Fairfax is today what Abbot Kinney, 9 miles to the southwest in Venice, was five years ago.

Or you could just drop the comparisons and call Fairfax what it really is: the coolest street in Los Angeles.

"Day to day, you never know what you're going to see, because there's this bizarre mix of people around here: old Jewish people, young skaters, creative types," said James Starr, a co-owner of three restaurants on the street. "It always felt like it was this cool melting pot where something interesting could happen at any moment."

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Fairfax Avenue is one of the main north-south thoroughfares of Central LA; its 5-mile length is home to city landmarks like the Los Angeles County Museum of Art, the original LA Farmers Market and The Grove, a posh shopping center. But the unusually diverse, walkable stretch of North Fairfax Avenue between Melrose and Beverly, in particular, has emerged over the past few years as perhaps the most vibrant center of shopping and dining in the city.

A decade ago, this strip was known mostly for its plethora of businesses catering to the large Orthodox Jewish community in the Fairfax district to the east. And to this day, kosher markets, Judaica-focused bookstores and delis line the street. One of these delis, Canter's, has been in business since 1931 and remains the most prominent storefront in the area.

But in 2004, famed New York-based streetwear brand Supreme opened a large shop just up the block from Canter's. Supreme attracted a loyal following of skateboard and sneaker aficionados, some of whom opened streetwear shops of their own. There are now 15 streetwear shops on the two blocks between Oakwood and Clinton. A new reality show -- "Welcome to Fairfax" on Pivot TV -- even chronicles the vibrant culture around these shops.

More recently, though, it's the neighborhood's restaurant scene that's been attracting attention. The drag started to become a culinary hot spot around 2008, when Starr, a former advertising executive, opened burger joint The Golden State and star chefs Jon Shook and Vinny Dotolo opened their first restaurant, the meat-focused Animal, on the block between Rosewood and Oakwood. Today, new restaurants seem to open almost every month. Even celebrated chef Michael Cimarusti, of LA fine-dining temple Providence, plans to open a fish shop on the street.

"I like the neighborhood a lot," Cimarusti said. "It’s hip and it’s new, and there are all these little businesses that pop up -- clothing, shoe shops, restaurants like Animal -- and right alongside it, there's these holdovers from old LA that have been there for years and years. It reminds me of New York, especially the East Village."

Shook says he and Dotolo -- who gained a modicum of fame by starring in a Food Network show in 2007 -- had actually planned to open their restaurant a few miles east, in the heart of Hollywood. They were in the final stages of their lease negotiations on a space near Santa Monica and Wilcox when their realtor mentioned there was a vacancy near Canter's. They were already fans of the neighborhood's bars, so they decided to take a look.

"As soon as we drove up to the storefront, it was an instant connection," Shook recalls. "We were like, this is it, this is the spot. We couldn't even get inside, and there was paper on the windows, but we knew, right away, that it was perfect."

Shook says that what appealed to them was the street's "gritty" vibe, and its odd confluence of skate culture and old-world Judaica. Animal quickly became one of the most talked-about restaurants in the city -- a staple on lists of the best restaurants in the city, and even the country. But its location on Fairfax always helped set it apart from many of LA's other top restaurants; it substituted a young, scruffy edge for the Hollywood glamour of many places in Beverly Hills, West Hollywood and Santa Monica. In the Fairfax ecosystem, though, Animal stands out for being unusually upscale.

"Animal doesn't really attract a lot of the same guys that are shopping at Supreme," Shook admitted. "We're just a little bit out of their price point because they're spending their money on $300 sneakers."

Shook and Dotolo's next spot on Fairfax -- an Italian restaurant called Jon & Vinny's -- will be somewhat more casual than Animal when it opens sometime this spring, but it's still unlikely to be a huge skater hangout. That contingent is more likely to be found at one of Starr's restaurants, such as newly opened pizzeria Prime, or at year-old gastropub Plan Check one block south.

"That streetwear world, they embrace new food, new culture," Plan Check owner Terry Heller said. "Those are the ones that get really excited about weird stuff like the ketchup leather we put on our burgers."

Plan Check transitions seamlessly from eatery to raucous bar once the clock hits double digits -- a trait it shares with one of the most-discussed new businesses in the neighborhood, the so-called "No Name Club" at 432 Fairfax. Ever since its quiet opening in November 2013, it's been a regular haunt for A-list celebrities. But that's almost all the public knows about it. Owners Jordan Buky and Bryan Ling have refused most press, and no one without a reservation is allowed to enter.

"432 N. Fairfax, commonly referred to as 'No Name,' is a sanctuary for creatives," Ling said in a rare statement. "It's reservation only and the way to make one is by emailing fairfax432@gmail.com."

For now, most Fairfaxers view No Name's exclusivity with bemused detachment. But some worry that it could be the leading edge of the kind of gentrification that can kill a neighborhood's vibe. Just last month, rapper and music producer Tyler the Creator cited a dispute with his landlord when he closed his pioneer streetwear shop Odd Future.

"Neighborhoods can become too cool for their own good," Starr said. "Take Abbot Kinney ... At a certain point, it became too cool, so it really attracted people who just wanted to be cool, who were willing to pay really expensive rents to get in on the action. So the stuff that made that street cool in the first place just gets priced out by corporate shitty stuff that has no soul behind it."

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Fifty Shades of Meh: A Real Dominatrix Takes On the Bestseller

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Photo by Robyn Beck


The film Fifty Shades of Grey is coming out on Valentine's Day and we're all excited to see it, because it's so naughty, so sexy, so erotic, right? Um, right? 

There are a lot of people who would rather get a good spanking than a box of chocolates for Valentine's Day and I'm all for that. The problem I have with Fifty Shades of Grey is that it's BDSM for Dummies, it's BDSM Lite. (I don't want to jump on the bandwagon with those who call it "Mommy Porn," because I think mommies deserve good porn as much as anyone else.)

The book sold over 100 million copies worldwide, proof that the people who bought it -- mostly women -- are turned on and intrigued by the power dynamics involved in BDSM (bondage, disciple, sadomasochism.) That's a great thing!  And the book does open up a forum for discussion of BDSM within mainstream conversation, BUT it isn't really about BDSM. It's just a bad Harlequin romance novel that reinforces antifeminist stereotypes of gender in a conventional and conservative story between a controlling man and an amenable girl. Don't get me wrong, a good Harlequin romance can provide strong female role models, hot fantasy scenarios or romantic escapism, but Fifty Shades is more than a few shades short of that.

For those of you who haven't yet endured the punishment of reading the book, I'll save you some time. Our protagonist, Anastasia Steele, is a naive college student with an elementary school vocabulary who falls for Christian Grey, a rich asshole with amazing hair and blazing eyes. Grey is a control freak who says that if she wants him to be her boyfriend she has to sign a contract where she agrees to eat what he says, exercise when he says and dress as he commands. She must also live under the constant threat of pain as punishment, and be sexually available to him at all times. I know... a couple of red flags. But did I mention the amazing hair? Meanwhile, Anastasia just wants a vanilla (conventional) relationship, with maybe a touch of naughtiness. Then there is chapter after chapter of eye-rolling and lip-biting and holy cows and by the end of book neither Grey or Steele get what they want. I only know that by the time I finished it, I wanted to punch this book in the face.

Fifty Shades doesn't explore BDSM as a potentially meaningful, consensual sexual practice to the individual or collective female experience. Rather, the book keeps the taboo in kink with the misconception that a person must be really messed up (abused) to explore this erotic practice. It also doesn't explore the beauty and the power of submission, nor does it touch on the harder elements of BDSM play.

True BDSM is a consensual role-play experience where both parties negotiate and agree to act out specific erotic desires in a safe context. There are a variety of activities, fantasies, and fetishes that are explored, but there are specific rules in place to keep things safe, sane, and consensual, or risk aware. And unlike Fifty Shades, real BDSM can be very, very fun.
 
However, Fifty Shades of Grey has some value for me as a domme. 

I currently use the book in sessions as a torture device. Very bad slaves have to read the book aloud and act out scenes. One of my slaves pleaded for me to stop the pain, offering to receive 100 strokes of the cane if he could just stop reading.  Another used his safe word and willingly gave up a year's salary to me to "end this horrific task."  So, my inner goddess thanks you, E.L. James, for 500 pages of pure torment. 
 
Fifty Shades of Grey doesn't offer a glimpse into the authentic world of BDSM, which is more beautiful and disturbing than anything portrayed in the book. We'll see if the film offers any more insight into what I know is a complex and fascinating world. But you'd have to tie me up to make me sit through it.

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Mistress Trinity works as a professional dominatrix in Los Angeles. She has a Master's degree in Philosophy and her academic work focused on a woman's ability to consent to violence in a sexual context. Her thesis was entitled "A Pro-Sex Feminist Defense Of Consent to BDSM."
 
She is currently developing a TV show called "Kink", which explores the kinky lifestyle as well as the kinks in life.
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