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_over-40-of-americans-have-no-clue-what-a-401k-is.webp "Almost half of Americans don’t know what a 401(k) is, according to a recent poll. <br/><br/>A national survey of 2,000 Americans, evenly split by generation, revealed that 43% of respondents don’t know what a 401(k) is. The survey examined Americans’ financial literacy, commitment to learning and adopting healthy money habits, and feelings regarding their bank accounts and financial futures. <br/><br/>The results revealed a significant lack of confidence among respondents regarding their financial literacy, with only 30% believing they could win a game of personal finance trivia.<br/><br/>And over a third (35%) don’t know what “interest” is in a financial context. <br/><br/>The study, commissioned by Beyond Finance for Financial Practice Week and conducted by OnePoll, revealed that despite these startling knowledge gaps, only two in five respondents (39%) consider themselves more financially literate than others. <br/><br/>Four in 10 Americans (39%) admit they procrastinate when implementing healthy financial habits. Gen Z are most likely to procrastinate (49%) while baby boomers are least likely to procrastinate (22%).<br/><br/>The top reasons respondents cited for postponing personal finance tasks include stress (25%), feeling their financial health is already poor and can’t get any worse (16%) and forgetfulness (13%).<br/><br/>“Unfortunately, avoiding looking at your finances and making healthy changes is incredibly common,” said Dr. Erika Rasure, chief financial wellness advisor of Beyond Finance, which can be overwhelming. Some people tend to neglect taking stock of their financial situation, and others can become nervously consumed by it. There’s a middle ground to take when improving your financial health — learn healthy money habits, pay attention and make small, achievable adjustments to your spending and habits.” <br/><br/>The study revealed the average American typically checks their banking app twice daily. Exactly half of respondents say they feel nervous when opening their banking portal, with Gen Z feeling most uncomfortable (65%). <br/><br/>In comparison, baby boomers feel the most calm (26%) and over a quarter of all respondents avoid signing into their banking apps on a daily basis, at all (26%). <br/><br/>Regarding budgeting habits, eight in ten respondents try to hold themselves accountable to a monthly budget with millennials and baby boomers tying for the best-laid financial plans (81%). <br/><br/>Of those who create a monthly budget, respondents only stick to it 66% of the time on average, with baby boomers exhibiting the highest accountability (76%) and Gen Z deviating the most from their budgets (58%). <br/><br/>For those trying to save money, the most popular strategies include buying on-sale items (53%), using coupons and discount codes (47%), limiting spending on clothing (45%) and shopping at discount stores (42%). <br/><br/>However, a considerable portion of respondents resort to more drastic measures to save money, such as infrequent social outings to bars and restaurants (39%), limited travel or not traveling at all (36%), rarely or never buying coffee at coffee shops (35%) and rarely or never buying gifts (32%).<br/><br/>Notably, 33% of respondents said they never take vacations.<br/><br/>Finances also influence relationships: Nearly four in ten (39%) reported that their or their partner’s unhealthy spending habits have negatively affected their relationship.<br/> <br/>A majority of those in relationships (63%) agreed that learning about personal finance as a couple would increase their chances of improving money habits successfully in the future.<br/><br/>“The first step in a happier financial future is education,” said Dr. Rasure. “The more you know about money and personal finances, the more equipped you’ll be to make better decisions and create a plan to meet your goals. That’s why Financial Practice Week is important. We want to encourage people to learn the money habits and practices they’ve been putting off so they can make progress toward a more stable, optimistic future.” <br/><br/>Survey methodology:<br/>This random double-opt-in survey of U.S. adults split evenly by generation (500 Gen Z, 500 millennials, 500 Gen X, and 500 baby boomers) was commissioned by Beyond Finance between Feb. 16 and Feb. 22, 2024. It was conducted by market research company OnePoll, whose team members are Market Research Society members and have corporate membership to the American Association for Public Opinion Research (AAPOR) and the European Society for Opinion and Marketing Research (ESOMAR).")
_how-to-simplify-the-fraction-18-81.webp "MagnetsAndMotors (Dr. B's Other Channel)")
_silver-myths-busted-type-2-silver-eagles-amp-dealer-reporting-124-andy-schectman.webp "Liberty and Finance")
⏲ 45 minutes 42 seconds 👁 3.3K
_couple39s-getaway-ruined-after-caravan-was-so-dirty-they-had-to-clean-it-themselves.webp "A couple say their romantic getaway was ruined after the holiday caravan was so dirty they had to clean it themselves - and the furniture broke when they used it. <br/><br/>Charmaine Bell, 30, and Natalie Berrisford, 37, splashed out £615 for what was supposed to be nice break.<br/><br/>But they say the holiday to Norfolk was ruined by the “dirt pit” caravan - which they say had wallpaper hanging off the walls, mold in the loo and a mucky fridge.<br/><br/>They say the sofas in the property were full of “hard lumps” and the bed slats were so broken they were left sleeping at an angle.<br/><br/>Despite complaining to the holiday company, 2C Holidays, they say they had to stay in the “filthy” caravan for nine nights. <br/><br/>Charmaine, from Royston, Herts., said: “It's really upset me and my partner, we’ve been together 13 years and thought we’d have a nice holiday with the dogs. <br/><br/>“From the second we got to the caravan and walked in it was dirty. <br/><br/>“There was wallpaper coming away from walls, mold in the corners of the room and under the lid of the toilet, the sides were dirty, and the fridge had sticky stuff in it, it was filthy. <br/><br/>“The sofas had really big hard lumps in bottom of them - every time we sat down, we were sat on an angle.” <br/><br/>The couple arrived in Hemsby for a romantic getaway on March 6 – but say as soon as they walked into the caravan at the holiday park they found it filthy.<br/><br/>They say they were looking forwards to spending quality time together with their dogs, with Nathalie travelling down from Scotland for the trip.<br/><br/>But they say when they complained to 2C Holidays about the conditions, they were told they could clean it themselves or spend another £300 to be upgraded to a new caravan. <br/><br/>Charmaine said she decided to clean herself – and says the company offered her £50 for her efforts. <br/><br/>The couple say at the end of their stay they were offered £75 compensation – but claim after the £50 for cleaning, this leaves just £25 for their inconvenience.<br/><br/>“We couldn't pay out for a new caravan, there was literally nowhere else we could go, so it was very upsetting,” said Charmaine.<br/><br/>“Nathalie had a serious back surgery a couple of years ago and she nearly went through the bed. <br/><br/>“She came down from Scotland and this happened, it was just so upsetting, we were literally trapped there.” <br/><br/>A spokesperson for 2C Holidays said: \")
_1981-norton-michigan-500.webp "jat357")
_1981-ta-se-y84-18k-miles-walk-around-video.webp "Cincy Classic Cars")
_living-with-him-the-series.webp "Living with Him The Series. Premieres on April 12, 2024 on Gagaoolala & Rakuten Viki aired every Friday with a total of 8 episode and 30 Minutes Time Duration. <br/><br/>Main Role Starring: <br/>Sato Ryuga as Tanaka Kazuhito <br/>Sakai Sho as Natsukawa Ryota <br/><br/>Adapted from the manga \")
_1981-ta-se-y84-18k-miles-running-video.webp "Cincy Classic Cars")
_81-9234mi-hijo-se-quit-la-vida-con-10-aos-para-no-ir-al-colegio9234.webp "WORLDCA$T")
⏲ 1 hour 25 minutes 9 seconds 👁 290.9K
_dwarakish.webp "ಹಿರಿಯ ನಟ, ನಿರ್ಮಾಪಕ ದ್ವಾರಕೀಶ್ಅವರು ಇಂದುನಿಧನ ಹೊಂದಿದ್ದಾರೆ. <br/> <br/>Senior Actor And Producer Dwarakish Died At The Age Of 81<br/><br/>#Dwarakish #KullaDwarakish #ProducerDwarakish #DirectorDwarakish <br/> <br/>~HT.290~PR.30~ED.35~")
_mensajes-del-universo-81-alinearte.webp "Yo soy el YO SOY")
_update-from-ukraine-124-the-most-expensive-radar-was-kaputted-124-ruzzian-attack-ambushed.webp "Denys Davydov")
⏲ 15 minutes 45 seconds 👁 41.9K
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