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But many people don't realize just how much of their insurance coverage is tied to their employment. Disability, life, health, dental, vision — all can evaporate quickly after a pink slip. Life insuranceAnother common employer-provided insurance is group life insurance, which pays out a death benefit if you die while employed. Similar to disability insurance, though, this group life insurance is contingent on your working at that company. That's why I highly recommend considering an individual life insurance policy.

Persons: it's, They're, It's, you've Organizations: Business, Healthcare

If you live in one of America’s cities, you probably see homeless people all the time. That’s what Mark Horvath discovered firsthand in 1995, when he lost his job and wound up homeless for eight years. On April 22, the Supreme Court is set to hear the case of Johnson v. Grants Pass, the most significant case in decades about homeless people’s rights. The case will determine whether cities can arrest or fine the homeless — even if there’s no other shelter. As the homeless plaintiffs wrote, this would be “punishing the city’s involuntarily homeless residents for their existence.”

Persons: Mark Horvath, Johnson, ” Organizations: YouTube

☆ Mars volcano the size of Mount Everest was hiding in plain sight, report says
▼ + stars: | 2024-03-29 | by ( Jackie Wattles | ) edition.cnn.com time to read: +9 min

CNN —Scientists may have pinpointed a massive, oddly shaped volcano taller than Mount Everest on the surface of Mars — and it has been hiding in plain sight for decades, according to new research. Some of the largest volcanoes on Mars lie relatively close to the proposed “Noctis volcano.” Shown here: 1) Olympus Mons, the tallest known volcano in our solar system. This NASA visualization of the Tharsis rise shows Olympus Mons, Tharsis Montes, Noctis Labyrinthus, and Valles Marineris. NASA SVSA volcano, a glacier and the history of MarsThe existence of a volcano in Noctis Labyrinthus could also help explain the creation of this bizarre landscape. The existence of a volcano in the region, Lee said, might offer more support for the latter theory.

Persons: Everest, Pascal Lee, NASA SVS Lee, Sourabh, Lee, “ It’s, ”, NASA’s, Noctis Labyrinthus, “, ” Lee, Shubham, Adrien Broquet, we’ve, —, we’re, Noctis, Ernst Hauber, ” Hauber, David Horvath —, Tucson , Arizona —, Broquet, Horvath, ” Horvath, Carl Sagan Organizations: CNN —, Mars, Planetary Science Conference, Olympus, NASA, University of Maryland, College, CNN, NASA’s Mars Reconnaissance, Marineris, Humboldt Research, German Aerospace Center, SETI Institute, German Aerospace Center’s, of Planetary Research, Planetary Science Institute Locations: The Woodlands , Texas, That’s, Mars, Noctis, Valles, Tharsis Montes, Labyrinthus, Tucson , Arizona

It's easy to see pet insurance as optional for most pets, but the cost of pet care can be high. Most pet insurance plans cover the big costsMany people also believe that pet insurance doesn't cover that much. There are two types of pet insurance — illness and accident insurance and accident-only insurance. Make sure the math works in your favorLike with human health insurance, pet insurance has a monthly premium you'll need to pay to maintain coverage. Looking to the futureWhile it's not always pleasant, thinking through all the scenarios can help you pick the best pet insurance policy for you.

Persons: —, there's, It's, it's Organizations: Service, American Kennel Club, American Pet Health Insurance Association Locations: American

☆ Gwyneth Paltrow shares her easy-to-replicate longevity tips
▼ + stars: | 2024-03-16 | by ( Joi-Marie Mckenzie | Jordan Parker Erb | ) www.businessinsider.com time to read: +5 min

NEW LOOK Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . DispatchThe mania over Trader Joe's mini tote bags and Stanley cups is indicative of just how fast today's consumer fads can come and go. Instead, it's (checks notes) a $2.99 Trader Joe's miniature tote that has shoppers in a frenzy. Trader Joe's played into a scarcity model too, forcing consumers to scramble to find them.

Persons: —, they've, Stanley, Chanel, Gucci, We've, Emily Stewart, They're, Joe's, TJ's, they'll, Gwyneth Paltrow, She's, Taylor, Rebecca Zisser, Gwyneth Paltrow preps, Fiona Chandra, Jenny Chang, Rodriguez, Duff Goldman, Esther Horvath, Getty, Claudia Totir, Elena Veselova, Tyler Le, Duff, Goldman, Jennifer Aniston, Lindsay Lohan, Taylor Swift, Chandra Wilson, Max, it's, Joi, Marie McKenzie, Jordan Parker Erb, Dan DeFrancesco, Lisa Ryan Organizations: Business, Service, Dior, tote, Stanley, wilatlak, Chandra Wilson ABC, Disney, Netflix, Nickelodeon Locations: Africa, South Africa, Tanzania, California, wilatlak villette, Getty, Toom, Kirkland, New York

But some smaller, more specialized tax credits and deductions could score you hundreds (or even thousands) of extra dollars back as well. Here's an overview of some overlooked federal and state tax credits that filers often miss. At first glance, this might seem counterintuitive — why wouldn't you deduct state income tax, which is usually a larger sum? AdvertisementEven if your state has an income tax, you may still come ahead by itemizing sales tax instead, depending on your tax profile. The IRS provides tables and tools to calculate if claiming sales tax delivers more savings than claiming income tax.

Persons: You've, filers, it's, you've, doesn't Organizations: IRS, Care Locations: California, Texas, Florida, Nevada

Filing your taxes early means you have more time to make last-minute retirement account contributions. Finishing your taxes early also gives you time to plan ahead for next year. But as a financial planner, I always recommend getting them done as early as possible. Even if you're not a freelancer, filing early can ensure you get your return early or have more time to pay your bill. Plus, evaluating my latest tax return early gives me a game plan for next year's liability.

Persons: —, I've, Uncle Sam, You'll, That's Organizations: Service, IRS

Classes were canceled Monday for schools across Santa Barbara County, which was devastated by mudslides caused by powerful storms in 2018. Evacuation orders and warnings were in effect for mountain and canyon areas of Monterey, Santa Barbara, Ventura and Los Angeles counties. Gavin Newsom declared a state of emergency for Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara and Ventura counties. As of Sunday afternoon, the Los Angeles Unified School District, the nation’s second largest, said it was planning to open schools as usual Monday. ___Associated Press videographer Eugene Garcia in Ventura, Calif., and radio reporter Julie Walker in New York contributed to this report.

Persons: Alexis Herrera, ” Herrera, Ryan Kittell, ”, Lindsay Horvath, ” Horvath, Gavin Newsom, Alberto Carvalho, videographer Eugene Garcia, Julie Walker Organizations: ANGELES, San Francisco Bay Area, Sunday, San Francisco International, Palisades, Central, Gov, Emergency Services, Los Angeles Unified School District, Associated Locations: California, San Francisco Bay, San Jose, Southern California, Santa Barbara, Ventura, Sacramento, San Francisco, Sierra Nevada, Hawaii, Northern California, Monterey, San Luis Obispo County, Los Angeles, LA, Topanga, Soledad, Los Angeles , Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Ventura counties, Southern, Ventura , Calif, New York

☆ This test can calculate your biological age for free. Here's how it works — and how to interpret the results.
▼ + stars: | 2024-02-01 | by ( Hilary Brueck | ) www.businessinsider.com time to read: +8 min

AdvertisementMy free biological age calculation estimated my risk of premature death or diseaseMy biological age test used 9 different measurements taken from blood samples. Tamar Dundua/Getty ImagesAt its essence, any good biological age test is trying to capture the fitness of your body parts. Some of the most respected biological age tests are epigenetic clocks, sometimes called DNA methylation tests. Other clocks incorporate external factors like smoking history, or chronological age into a biological age calculation. The benefits of free biological age testingLearning your own biological age is one simple way to approximate how well your body is weathering the test of time.

Persons: —, who's, David Sinclair's, I'm, Tamar Dundua, Dr, Nour Makarem, Makarem, they're, Hilary Brueck, It's, that's, Steve Horvath Organizations: Service, Tally, Business, Columbia University

However, as a financial planner, I always recommend being deliberate when it comes to your annual bonus. AdvertisementHere are four things you should avoid buying with your hard-earned bonus money — and some advice on what you should do with it instead. These costs can add up and crunch your budget long after the bonus money is spent. But technology changes and upgrades so rapidly that pouring bonus money into flashy new gadgets often means buyer's remorse sets in fast. But make sure you're using it wisely so that short-term excitement doesn't result in long-term financial regret.

Persons: it's Organizations: Business

☆ Natalia Grace's adoptive parents accused her of being an adult. She says a DNA test confirmed her real age — here's what the results actually mean.
▼ + stars: | 2024-01-12 | by ( Palmer Haasch | Jessica Orwig | ) www.businessinsider.com time to read: +6 min

In "Natalia Speaks," the second season of the documentary series currently available to stream on Max, Natalia Grace tells her side of the story. TruDiagnostic's assessment indicated that Natalia's biological age was close to 22. In theory, the older your biological age, the more likely you are to develop age-related diseases such as cancer or dementia. AdvertisementSome longevity researchers believe there are ways to "reverse" our biological age. For example, Steve Horvath, who invented a way to measure biological age, says he reversed his biological age by 4 years by eating less sugar and more vegetables, quitting smoking, and exercising more.

Persons: —, Natalia, Max, Natalia Grace, Michael, Kristine Barnett, Kristine, Antwon, Halland Chen, Timothy Gossweiler, Gossweiler, Katherine Barnett, Clouse, Steve Horvath, David Sinclair, Sinclair, it's Organizations: Service, Business, National Institute, Aging, Research Locations: Indiana, Canada, Harvard

Watching your investments slide into the red can be a stressful experience for anyone, especially for the money you're setting aside for long-term goals like retirement. As a financial planner, I encourage a proactive approach to recession-proofing your retirement, including switching the bulk of your portfolio to safer investments with consistent rates of return. Instead, their interest rates are tied to the overall stock market, like the S&P 500. These annuities often pay more interest over time, as the stock market historically rises over time. They'll be much less likely to lose value if the stock market keeps dropping.

Persons: You'll, —, you'll, wouldn't, Get, that's Organizations: Service, SEC

I've tried to use budgeting apps, but I found they didn't categorize my expenses correctly. There's no shortage of budgeting apps and tools out there, with plenty of bells and whistles to help you make the most of your money. The best budgeting apps can help you get your finances in order and track your monthly spending. While there's no right way to create a budget, there is one right way to use it — consistently and accurately. While I'm happy with my old-school way of budgeting, it doesn't mean it's the right move for you.

Persons: I've, —, it's, I'm Organizations: Service, Quicken

The stock market had quite the November — the best month of 2023. The stock market is inherently unpredictable, and past performance does not always indicate future results. Consider rebalancingAs the stock market surges, some of your investments have grown significantly, potentially skewing your portfolio's balance. The stock market's upward trajectory can create a false sense of security, as profits seem endless. Keep a cash cushionWhile investing in the stock market is a great way to build wealth, it's equally important to maintain an emergency fund.

Persons: —, It's, Read, you'll Organizations: Service, Nasdaq, SoFi

The better your credit score, the better your interest rate on a car loan is likely to be. You should look at the monthly cost of the loan, but also the total cost long-term. Before applying for a car loan, it's crucial to check your credit score and take steps to improve it if necessary. It's important to leave room in your budget for unexpected expenses and to avoid becoming financially strained due to excessive car loan payments. A substantial down payment can work wonders in reducing the total cost of your car loan.

Persons: doesn't, — Organizations: Service, Federal Reserve Bank of New, Quicken Locations: Federal Reserve Bank of New York

☆ In some states, it's 'nearly impossible' to buy a home that isn't part of a homeowners association, expert says
▼ + stars: | 2023-10-31 | by ( Charlotte Morabito | In Charlottemorabito | ) www.cnbc.com time to read: +8 min

These communities are usually overseen by homeowners associations. Homeowners associations, also known as HOAs, are self-governing organizations that implement rules for homeowners and renters within common-interest communities. The board may choose to hire a management company, many of which are for-profit, to help run day-to-day operations. Roughly 84% of newly built, single-family homes sold in 2022 belonged to homeowners associations, according to the U.S. Census Bureau. "But it seemed like [the deal] never got to the management [company] or homeowners association," Enrique Inostroza said.

Persons: Jewel Inostroza, Enrique, Gen Z, it's, Deborah Goonan, Inostroza, Enrique Inostroza, Mark Licea, HOA, Bradley, Tom Skiba, Skiba, Steve Horvath Organizations: Homeowners, Finance, . Census, Communities, CNBC, Management, HOA, Sentry Management, Community Associations Institute, Economics, Rocket Mortgage, HOA United Locations: Newnan , Georgia, HOA, U.S

Our experts answer readers' student loan questions and write unbiased product reviews (here's how we assess student loans). Federal student loans come with a variety of benefits that you'll lose out on if you refinance. Federal student loans come with a range of benefits and protections that are not available with private loans. These programs, such as Public Service Loan Forgiveness, provide loan forgiveness after meeting specific criteria. When it comes to refinancing student loans, it's important to be cautious about converting federal loans into private ones.

Persons: you'll, —, I've Organizations: Service Locations: Federal

Three years after its marathon voyage across the Central Arctic Ocean frozen in the ice, the German scientific research ship Polarstern has once again reached the North Pole. This time the expedition is shorter, two months rather than a full year, and the ship is powering through the ice, not encased in it and adrift. But the goal of the scientists on board is the same: a better understanding of how the Central Arctic is changing as the planet warms. Sea-ice coverage in the Arctic shrinks in spring and summer and reaches a minimum in mid-September. The record was set in 2012, and Polarstern was in the Arctic that year, too.

Persons: Polarstern, Antje

I get asked all the time about the possibility of a recession, and I'm telling everyone to prepare. To start, pay off high-interest debt, bulk up your rainy-day reserves, and don't sell your investments. As a financial planner, I often get asked when the next recession is coming. Pay off high-interest debt ASAPThe last thing you want to deal with during a recession is high-interest debt weighing you down. If you really want to take action before any future recession, I would recommend simply revisiting and rebalancing some of your investments.

Persons: We're, you've, there's Organizations: Service Locations: Wall, Silicon, I'm

A woman visits a makeshift memorial near the former PMC Wagner Centre, associated with the founder of the Wagner Group, Yevgeny Prigozhin, in Saint Petersburg, Russia August 24. "From the point of view of Putin, as well as many among the security forces and the military, Prigozhin's death should be a lesson to any potential followers." Putin, who has spoken in the past of his hatred of traitors, described it at the time as a "stab in the back". 'GAME OF THRONES'But the death of Prigozhin, if confirmed, is not without cost to Putin. If Putin was responsible for Prigozhin's death, he said, it demonstrated he was willing to engage in brutal repression of any kind of dissent.

Persons: Yevgeny Prigozhin, Anastasia Barashkova, Putin, Wagner, Vladimir Putin, Prigozhin, Tatiana Stanovaya, Abbas Gallyamov, Gallyamov, Andrew Borene, Samuel Ramani, RUSI, Ramani, Sergei Surovikin, Surovikin, Robert Horvath, Mark Trevelyan, Gareth Jones, Andrew Heavens Organizations: PMC Wagner, Wagner Group, REUTERS, Reuters, Analysts, Kremlin, Central African, Putin, La Trobe University, Thomson Locations: Saint Petersburg, Russia, Kremlin, Ukraine, Africa, Moscow, United States, Belarus, Mali, Central African Republic, France, U.S, Melbourne

A 401(k) is an excellent retirement savings account, but it shouldn't be the only one you choose. Tax diversification in retirement will protect you from changes in tax law and keep money flowing. The benefits of tax diversification in retirementInvesting in both pre- and post-tax retirement accounts gives you the best of both worlds. If you have extra funds available, consider investing next in an after-tax account like a Roth IRA or Roth 401(k). In other words — like the benefits of portfolio diversification, tax diversification reduces your overall risk from tax law changes or other policy changes.

Persons: you've, Roth, there's, you'll, Roth IRAs, you'd, Uncle Sam Organizations: Service, Roth Locations: Wall, Silicon

REUTERS/Quinn GlabickiA White House spokesperson said Biden "continues to support moving away from the use of private detention facilities in the immigration detention system." One facility evaluated as part of the Biden administration review was Stewart Detention Center, a Georgia lockup operated by the private prison company CoreCivic (CXW.N). The administration has scaled back immigration detention in some ways. ICE often pays to maintain a fixed number of beds at detention centers regardless of whether they are actually used. But just six months later, the company signed a contract to reopen the same complex as a 1,900-bed immigration detention center.

Persons: Quinn Glabicki PHILIPSBURG, Joe Biden, watchdogs, Alejandro Mayorkas, Biden, Donald Trump, Mayorkas, lockups, Quinn Glabicki, Stewart, Ryan Gustin, Winn, Quinn Glabicki Ruben Dario, didn't, Ryan Horvath, Richwood, BIDEN, Trump, Biden's, Jose Gordo, Angela Kelley, Kelley, Boy Sonkarlay, Erika Guadalupe Nunez, Ted Hesson, Mica Rosenberg, Kristina Cooke, Aurora Ellis Organizations: Processing, GEO Group, U.S . Immigration, Customs, REUTERS, Democratic, Immigration, Customs Enforcement, Biden, American Civil Liberties Union, ACLU, Reuters, ICE, Companies, Republican, Trump, White, U.S . Department of Homeland Security, Stewart Detention, Winn Correctional Center, LaSalle Corrections, Richwood Correctional, LaSalle, Reuters Graphics Reuters, BI, ICE Processing Center, GEO, Visitors, Thomson Locations: Philipsburg , Pennsylvania, U.S, Pennsylvania, Mexico, Georgia, Louisiana, Mississippi, LaSalle, Argentine, Spanish, California, Liberian, Philadelphia, Philipsburg, Washington, New York

☆ Budapest: The beautiful city with the darkest of pasts
▼ + stars: | 2023-07-04 | by ( Richard Quest | Joe Minihane | ) edition.cnn.com time to read: +9 min

CNN —Carved through and framed by the mighty River Danube, Budapest and its beautiful skyline make it one of Europe’s finest and most compelling cities. The Ruin Bar District has seen its success spread too, with other bars appearing in ruined buildings across the city. CNNIt’s a sobering fact that, just 35 years ago, Budapest had a much different feel compared with its current vibrant air. That’s not to say, however, that the country, and Budapest in particular, does not have a strong independent streak. If Bakancsos Piac is imbued with the spirit of Budapest, then so too is the game of button football.

Persons: Katinka Orosz, ”, Fuge, Andrassy, Imre Horvath, Bakancsos Piac, He’s, Horvath, Mark Pataki, “ Organizations: CNN, Bars, Bar, Nazi, Soviet, Eastern Bloc, Park, Button, CNN Today’s, European Union, NATO, brac, Football, Budapest Pinball Locations: Budapest, Buda, Pest, Austro, Hungarian, VII, Hungary, Soviet, Soviet Union, CNN Today’s Hungary

☆ Your Intentions for the Summer
▼ + stars: | 2023-06-17 | by ( Melissa Kirsch | ) www.nytimes.com time to read: +1 min

The message was perfunctory, left by the shop owner, a usually grumpy guy who sounded like his usually grumpy self. I’ve come to interpret it as, “Whatever amount of time is before you, enjoy it, and don’t take it for granted.”So I’m planning an “Enjoy Your Time” summer. I asked you recently what sort of personal summer “brand” you might declare, what this will be “the summer of” for you. I hope they make you think a little more creatively about the possibilities for your own summer:Your summer plansIt’s the summer of Frosty Fridays, where I take my three kids out to a new ice cream shop each Friday. — Pete Horvath, ChicagoThis is #granolagrandma summer.

Persons: ”, I’ve, — Pete Horvath, — Katherine Knight Organizations: “ Locations: ”, Chicago, Knoxville, Tenn

☆ Pale Male, Famous Central Park Hawk, Is Dead at 32. Maybe.
▼ + stars: | 2023-05-17 | by ( Dodai Stewart | ) www.nytimes.com time to read: +1 min

“I’m sorry to have to report the end of an era,” Bobby Horvath, a wildlife rehabilitation specialist, wrote on Facebook Tuesday night. “Pale Male passed away tonight in our care.”Pale Male, a red-tailed hawk who took up residence on the ledge of a ritzy Manhattan apartment building 30 years ago, was the subject of hundreds of newspaper articles, at least three books and an award-winning documentary film and also counted Mary Tyler Moore among his fans. But whether the bird Mr. Horvath declared dead was actually Pale Male remains a mystery. Pale Male, an apex predator living in the most populated city in the United States, was the original New York City celebrity bird, predating Barry the barred owl, the “hot” Mandarin duck and Flaco the eagle-owl. He was named for his light-colored feathers by birder and author Marie Winn, a longtime columnist for The Wall Street Journal who followed his progress in print for over a decade and penned a book about him, “Red-Tails in Love,” making him something of a local celebrity.

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