Krystal46

Less than half of millennials have life insurance, according to a survey conducted by insurance-comparison website Insuranks. Of 1,000 respondents born between 1981 and 1996, only 47% said they had a policy. That's not to say Generation Y isn't interested in life insurance: In fact, 48% of those without coverage said they wanted it. The chief obstacle they cited was cost, with 66% saying premiums were too expensive. Nearly a third (29%) said they were overwhelmed by the complexity involved in choosing a policy.

Your 2024 money horoscope for each zodiac sign implies that abundance will be possible, but only if you are flexible and open-minded. Between inflation and the strained job market, the financial astrology of 2023 most certainly felt bleak at times. Although this might be hard to believe, the financial astrology of 2024 seems to be more promising than anticipated. The stars will align and bring forth multiple opportunities for financial growth.

What Could Go Wrong? I hope nothing. The late December equity markets produced relatively light volume. Below is a racetrack lesson on a not particularly distinguished bunch of horses registered for an unimportant race. Late in the betting period there is a sudden surge in betting on a specific horse for no apparent reason. The chatter in the grandstand is that it was caused by external bookmakers balancing their betting exposure on a given horse. The presumption being that the clients of the bookmakers “knew” something that improved its probabilities. This surge was labeled “smart money” by those at the track. Sometimes, but not always, the chosen bet wins.

Such was the case for one desperate Redditor, who took to an anti-HOA subreddit for advice about a holdup with their HOA that was preventing them from updating their roof and installing solar panels. It seems that they just needed a certification of ownership, but the association was unresponsive.

After Iowa lawmakers passed a ban on gender-affirming care for minors in March, managers of an LGBTQ+ health clinic located just across the state line in Moline, Illinois, decided to start offering that care. The added services would provide care to patients who live in largely rural eastern Iowa, including some of the hundreds previously treated at a University of Iowa clinic, saving them half-day drives to clinics in larger cities like Chicago and Minneapolis.

Walmart breaks down its FSA-eligible items into multiple collections to make finding products easy. You can shop by product category, type of care or brand name, and the FSA store also includes a list of top-selling products. Which expenses can't be paid for with FSA money? Despite the long list of potential uses for your FSA money, there are some medical and dental items that don't qualify. Here is a list of products, services and expenses that are not eligible to be covered by FSAs: Adoption expenses Athletic shoes Baby bottles Bug repellant Cannabidiol (CBD) products Car seats

One of the best ways to cover expected medical expenses is to put away money tax-free into a flexible spending account. On the flip side, if you don't use that reserved money by the end of the calendar year, there's a chance you could lose some or all of it. FSA funds can be used for medical treatments, insurance deductibles and copayments, and for prescription medicine that isn't covered by insurance. A long list of items and health services can be FSA eligible, including several you may not have considered, like fertility trackers, ear plugs, yoga classes or sunscreen.

Commercial Content. 21+. Action Network is the official betting partner of the New York Post, which edits this content. New users have the opportunity to benefit from up to $1,000 in bonus bets by utilizing the Caesars Sportsbook promo code NYPNEWS1000. This exclusive code grants access to a special bet insurance offer for eligible new users in specific states. In the event that their initial wager settles as a loss, users will receive their entire stake back in the form of bonus bets, capped at $1,000.

If you set some 2024 business or financial goals and need a dose of inspiration to achieve them, the right book could do the trick. To help narrow your search process, Business Insider rounded up book recommendations from financially independent investors, business owners, and entrepreneurs. Here are five of their favorites. Erik Smolinski has been reading about finance since high school when one of his teachers recommended he look into investing, and he never stopped self-educating. His reading habit helped him get to where he is today: At 32, he has a seven-figure investment account balance and has a majority stake in several commercial real estate properties.

Some states like Colorado have laws protecting homeowners who want to install solar. But even if your HOA’s rules are overbearing when it comes to solar panels, there are steps you can take to work with them or even change the rules. These include writing your HOA board, researching state laws, and working with neighbors to raise awareness or bring a unified proposal to the board. The Reddit community had a ton of advice for the poster. One commenter advised that they check to see if there were state laws that would supersede any regulations set by the HOA. “This may be a case where you can tell your HOA to kick rocks,” they said. “Have you tried posting on a message board for your neighborhood?” another person asked. “Someone always knows everything on those.” Join our free newsletter for easy tips to save more, waste less, and help yourself while helping the planet.

In a perfect world, they would go hand-in-hand: succeeding at objective No. 2 would mean creating another revenue stream (in the form of rental income) and, therefore, achieving objective No. 1. And so in January, overcome with that inflated optimism one feels at the turn of the year, I got to work: I spoke to multiple lenders, got pre-approved for a mortgage, found a realtor, started looking at properties, and continued putting cash into a savings account earmarked for my down payment. Fast-forward 12 months and I'm still a tenant, I don't own a primary residence or an investment property, and while I have multiple revenue streams, none of them are completely passive.

Some states like Colorado have laws protecting homeowners who want to install solar. But even if your HOA’s rules are overbearing when it comes to solar panels, there are steps you can take to work with them or even change the rules. These include writing your HOA board, researching state laws, and working with neighbors to raise awareness or bring a unified proposal to the board. The Reddit community had a ton of advice for the poster. One commenter advised that they check to see if there were state laws that would supersede any regulations set by the HOA. “This may be a case where you can tell your HOA to kick rocks,” they said. “Have you tried posting on a message board for your neighborhood?” another person asked. “Someone always knows everything on those.”

One key takeaway after a nearly nine-year career writing about people who are good at managing money is that they have multiple income streams. While there's a cap on how much you can save, there's no limit on how much you can earn. The wealthiest individuals dream up ways to make more money, rather than think about how to tighten their belt. With that in mind, I came up with two objectives for 2023: diversify my income streams (ideally, create at least one passive stream) and buy my first property (ideally, an investment property; at minimum, a primary residence that I could "house hack" to offset my mortgage). I even wrote about these goals to hold myself accountable. In a perfect world, they would go hand-in-hand: succeeding at objective No. 2 would mean creating another revenue stream (in the form of rental income) and, therefore, achieving objective No. 1.

In a perfect world, they would go hand-in-hand: succeeding at objective No. 2 would mean creating another revenue stream (in the form of rental income) and, therefore, achieving objective No. 1. And so in January, overcome with that inflated optimism one feels at the turn of the year, I got to work: I spoke to multiple lenders, got pre-approved for a mortgage, found a realtor, started looking at properties, and continued putting cash into a savings account earmarked for my down payment. Fast-forward 12 months and I'm still a tenant, I don't own a primary residence or an investment property, and while I have multiple revenue streams, none of them are completely passive. I could write 2023 off as a financial failure, but I'm an optimist (even after the new-year enthusiasm wears off) and refuse to frame it that way.

Such was the case for one desperate Redditor, who took to an anti-HOA subreddit for advice about a holdup with their HOA that was preventing them from updating their roof and installing solar panels. It seems that they just needed a certification of ownership, but the association was unresponsive. If they didn’t get that certification, it could have disastrous effects, they added. “We would be screwed for homeowners insurance and lose the amazing deal we got in our (solar/roofing) contract.” Benefits abound when it comes to investing in solar energy. Though it requires an initial investment, solar panels are becoming more affordable, and taxpayers can claim a 30% tax credit on the cost of solar systems to their income taxes. Plus, solar users can save money in the long run, as utility bills decrease. Opting to install solar panels often increases home values as well.

We have struggled a bit with finances because I came into the marriage with much more, financially, so after a few years we decided to open a joint account. I was excited to begin this commingling because it would establish more of a team approach to our future goals. Well, after three months I am realizing that he’s spent well over what he has contributed (contributing $8,000, but spent $14,000) and this is now creating more challenges. He is refusing to tell me what he spent this money on and is making me feel irrational that I am concerned about this. The purpose originally was to help me with bigger bills that pop up because I pay all the major bills (house, taxes, insurance, cars) and he only pays health insurance (which I am grateful for). This was the first three months of experiencing commingling and now he’s saying he refuses to come off of the account. He is threatening that my scrutiny marks the demise of our relationship. I’m worried because I know that finances can often create the biggest issues in relationships, so I’m hoping for some guidance. I’m not sure what to do at this point. Do you have any suggestions? – Wondering Wife

Your overall insurance costs get cheaper The biggest benefit of car insurance discounts is that they help you save money on your monthly payments. One of the most commonly used ways to reduce car insurance costs is with bundling, also known as multi-policy discounts. Bundling your insurance policies can help you save an average of 5% to 25% on the total cost of coverage. When you combine your homeowners insurance, auto insurance, and other insurance policies with one insurance company, you are likely to get a significant discount on the full cost of all your insurance. That's because insurers always want to sell more insurance to existing customers. They want to be your main provider of insurance, and they tend to reward loyal customers. If your insurance company can get more of your business and insure more aspects of your life, it's likely to give you a bigger discount.

Unfortunately, these types of challenges are par for the course with some HOAs. One Georgia homeowner was embroiled in a battle with his HOA over the installation of solar panels. After the HOA denied his request to install the panels, he did so anyway. Then they began fining him $25 a day. Some states like Colorado have laws protecting homeowners who want to install solar. But even if your HOA’s rules are overbearing when it comes to solar panels, there are steps you can take to work with them or even change the rules. These include writing your HOA board, researching state laws, and working with neighbors to raise awareness or bring a unified proposal to the board.

Some states like Colorado have laws protecting homeowners who want to install solar. But even if your HOA’s rules are overbearing when it comes to solar panels, there are steps you can take to work with them or even change the rules. These include writing your HOA board, researching state laws, and working with neighbors to raise awareness or bring a unified proposal to the board. The Reddit community had a ton of advice for the poster. One commenter advised that they check to see if there were state laws that would supersede any regulations set by the HOA. “This may be a case where you can tell your HOA to kick rocks,” they said. “Have you tried posting on a message board for your neighborhood?” another person asked. “Someone always knows everything on those.” Join our free newsletter for easy tips to save more, waste less, and help yourself while helping the planet.

At their best, car insurance companies are in business to help you manage risks and save money. They protect you from financial catastrophe and painful out-of-pocket costs. Car insurance discounts can incentivize you to change your mindset about driving, to get creative about your insurance policies, and think strategically about what insurance is the right fit for your life. You might find that car insurance discounts can nudge your driving habits and personal finances in a safer, healthier, and more prosperous direction. Our best car insurance companies for 2022 Ready to shop for car insurance? Whether you’re focused on price, claims handling, or customer service, we've researched insurers nationwide to provide our best-in-class picks for car insurance coverage. Read our free expert review today to get started.

Americans are more optimistic about where the economy is headed in the new year: The Consumer Confidence Index (CCI) rose nearly 10% since last month, reaching its highest point since July. The monthly report surveys 5,000 American households about their expectations for savings, unemployment and the overall economy in the next six months. The latest CCI, released Dec. 20, reached 110.7, up from 101.0 in November 2023. "It was really a sharp uptick – just about every measure throughout the survey was positive," said Dana Peterson, chief economist at the Conference Board, the nonprofit think tank that calculates the CCI. "Not only was it the amount of increase that was surprising, but also the breadth of improvement."

One key takeaway after a nearly nine-year career writing about people who are good at managing money is that they have multiple income streams. While there's a cap on how much you can save, there's no limit on how much you can earn. The wealthiest individuals dream up ways to make more money, rather than think about how to tighten their belt. With that in mind, I came up with two objectives for 2023: diversify my income streams (ideally, create at least one passive stream) and buy my first property (ideally, an investment property; at minimum, a primary residence that I could "house hack" to offset my mortgage). I even wrote about these goals to hold myself accountable.

Money market accounts vs. savings accounts Money market account rates typically offer higher yields than those provided by savings accounts. MMAs often require a higher minimum deposit or balance, but banks and financial institutions typically reward clients for maintaining larger balances with higher rates.

Human Rights In The Supply Chain: Can We Learn From Our Mistakes?","scope":{"topStory":{"index":1,"title":"Human Rights In The Supply Chain: Can We Learn From Our Mistakes?","image":"https://specials-images.forbesimg.com/imageserve/6584a714d59d7b8a70f20e96/290x0.jpg","isHappeningNowArticle":false,"date":{"monthDayYear":"Dec 22, 2023","hourMinute":"10:30","amPm":"am","isEDT":false,"unformattedDate":1703259000000},"uri":"https://www.forbes.com/sites/forbesbusinesscouncil/2023/12/22/human-rights-in-the-supply-chain-can-we-learn-from-our-mistakes/"}},"id":"652pfjoi01a400"},{"textContent":" Dec 22, 2023,10:15am EST

However, this allowed me to think a little bit about everything in my life and the content you guys can enjoy in my Youtube channel and all the stuff that is coming. Why I haven't take a trade in 30 Days... 00:00 Intro 02:06 23 Days without taking any trades 03:27 The craziest month in my life 05:20 A very scary scene in my house 05:45 Heading to Las Vegas 08:00 The Real Alex 09:17 Coming back to Miami 11:29 Dark Mode 12:34 Not taking a trade in 31 days.