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Budgeting coach Clarissa Moore knows firsthand how hard it is for other single moms to manage their finances. You should also adjust your budget on a regular basis and start small with savings. Here are five key pieces of budgeting advice Moore has for other single moms seeking to better manage their finances. Start small with your savingsMoore knows firsthand how many financial hurdles get in the way of single moms building real wealth. 4. Review your budget regularlyOnce you start budgeting and tracking your expenses, Moore says you'll begin to understand your spending patterns more clearly.

A harrowing car accident in 2009 forced single mom Clarissa Moore to overhaul her finances. Moore found short-term side hustlesAfter finding stable ground at her corporate job, Moore had time to pursue side hustles that she was passionate about. In 2019, Moore started Clarissa Explains Money, a money coaching service that helps women create budgets aligned with their goals. Her one-bedroom rental property costs $1,205 per month and she pays $566 monthly for its mortgage for a net profit of $639 a month. Of her passive income stream, Moore says, "This is what I always wanted.

The recent attack on two North Carolina substations that cut power to thousands of people has raised concerns about security standards for the country’s electric grid and its numerous power stations, which have faced greater threats in recent years. Nearly 600 electric emergency incidents and disturbances were caused by suspected and confirmed physical attacks and vandalism on the electric grid in those nine years, the reports show. The incidents, which are self-reported by power companies to the federal government, provide little to no detail about what occurred. Paths forward for a new standardThose who want a new security standard said there remain significant bureaucratic headwinds against such a proposal. The North American Electric Reliability Corporation, a nonprofit originally created by the electricity industry, said it created security requirements based on risk, rather than a one-size-fits-all approach.

☆ These top stock picks from Morgan Stanley are well positioned for 'resilient growth'
▼ + stars: | 2022-11-12 | by ( Michael Bloom | ) www.cnbc.com time to read: +7 min

There's a wide range of stock ready to pop regardless of what direction the market goes, according to Morgan Stanley. They include Epam Systems , Bill.com , SLB, Microchip Technology and Ingersoll Rand. Bill.com Holdings Bill.com has showed "solid execution yields resilient growth in a worsening macro," analyst Keith Weiss said following the company's earnings report earlier this month. Microchip Technology Shares of the semiconductor supplier are too attractive to ignore, analyst Joseph Moore said earlier this month. Bill.com "Solid Execution Yields Resilient Growth in a Worsening Macro ... Amid this macro warning sign, mgmt.

☆ Climate advocates win key governors races as Democrats defy 'red wave' in midterm elections
▼ + stars: | 2022-11-10 | by ( Emma Newburger | ) www.cnbc.com time to read: +6 min

This year, state laws could have the greatest implications for climate action since state officials can accelerate their own climate agendas even in a divided Congress, advocates say. Joseph Prezioso | AFP | Getty ImagesClimate action could also move forward in Maryland and Minnesota after environmental victories in those two gubernatorial races. Ahmad Gharabli | AFP | Getty ImagesThe climate victories in gubernatorial races have notable implications for national and local climate policies, advocates say, especially with respect to deploying funding from Biden's climate legislation. Still, climate groups are concerned for provisions within the climate bill if Republicans do seize control of one or both chambers of Congress. Biden, who will attend the summit on Friday, said he is eager to work with congressional Republicans after the midterm elections but emphasized he would not compromise his climate agenda.

Share this -Link copiedWisconsin Senate race too close to call Wisconsin's Senate race between GOP Sen. Ron Johnson and Democrat Mandela Barnes is too close to call, NBC News says. Vance wins Ohio Senate race, defeating Democrat Tim Ryan, NBC News projects COLUMBUS, Ohio — J.D. Ohio Republican Senate candidate J.D. Vance is leading The Senate race in Ohio is too early to call, NBC News says, but Republican candidate J.D. Share this -Link copiedGeorgia Senate race too close to call Georgia's Senate race is too close to call about three hours after polls closed at 7 p.m.

☆ There have only been 2 Black elected governors in US history, but the 2022 midterm elections could usher in unparalleled change
▼ + stars: | 2022-11-07 | by ( John L. Dorman | ) www.businessinsider.com time to read: +11 min

There have only been two Black elected governors in US history, but that could change on Tuesday. With the victory, Wilder became the first Black elected governor in the United States, generations after P.B.S. He said people brag about him as the first Black governor elected in America. However, this year, Black gubernatorial candidates weren't overly reliant on the party leadership to help them land the nominations in their respective states. At the end of the day, if that's what I accomplished, that's not enough," Moore told Insider.

☆ NHL roundup: Alex Ovechkin nets NHL-record 787th goal with one team
▼ + stars: | 2022-11-06 | by ( ) www.reuters.com time to read: +10 min

Ovechkin's power-play goal at 8:55 of the second period came in his 1,287th game with Washington, snapping a tie with Hockey Hall of Famer Gordie Howe. Anthony Mantha set up that goal and scored one of his own before the Coyotes stormed back. Ritchie's first goal of the game sailed just under the crossbar and over the goal line to forge a tie at 9:45. Zetterlund's second goal of the game also snapped New Jersey's eight-game losing streak to Calgary. Gourde finished with a goal and two assists, Tanev added an assist, and Vince Dunn also scored for the Kraken.

☆ A Walmart-backed fintech has been making changes to an online bank it acquired. Long-standing customers are getting fed up.
▼ + stars: | 2022-11-02 | by ( Carter Johnson | Ben Tobin | ) www.businessinsider.com time to read: +15 min

But once the Walmart-backed fintech venture Hazel acquired One and adopted its moniker in January, some of the features that drew Gastley to the bank disappeared. The page has become, in some cases, the first place customers turn to for information about product changes. (Like most neobanks, One has partnered with a sponsor bank, the Washington-based Coastal Community Bank, to provide financial services.) But then One customers received an email from the bank on May 12: It would be closing current credit lines, effective immediately. That's not the only change to Pockets for which Joseph, who has dozens of the virtual bank accounts, didn't receive a notification about, he said.

Brian Kemp to become the state’s first Black governor — she’d also be the first Black woman in the country’s history to hold a governor seat. In Maryland, Rep. Anthony Brown could be the state’s first Black attorney general if he defeats Republican Michael Peroutka. Smaller historic races include Rep. Karen Bass’ bid to become Los Angeles’ first Black woman mayor. Flowers would be the first Black woman to hold the office in Alabama, and she’s already made history as the first Black woman from either major party to win the nomination for governor. If successful, she would be the first Black woman elected to the chamber in the state’s history.

☆ Wall Street analysts’ favorite stocks for the fourth quarter include a casino name that could double
▼ + stars: | 2022-10-01 | by ( Fred Imbert | ) www.cnbc.com time to read: +4 min

The fourth quarter is finally here, much to the relief of many investors who took a beating in the previous three-month period. Stocks were battered last quarter as the Federal Reserve doubled down on its aggressive monetary policy stance to fight persistently high inflation. Wall Street analysts are to here to help, recommending several stocks that could do well going forward. On top of that, 75% of analysts covering the stock rate it as a buy, FactSet data shows. Both stocks have buy ratings from nearly two-thirds of analysts covering them.

Now, in response to the 1619 Project and its examination of slavery, Texas leaders have created an alternative project that highlights their state’s contributions. Greg Abbott approved a 15-page draft of a document titled the Texas 1836 Project, which is named for the year that Texas declared its independence from Mexico. Nikole Hannah-Jones, creator of the 1619 Project, said the Texas project was a tactic to limit the discussion of slavery. In addition to approving the Texas 1836 Project, in June 2021 Abbott signed a critical race theory bill limiting the teaching of race relations in schools. She said the Texas project was a tactic to limit the discussion of slavery, not to limit discussion of critical race theory.

☆ 3 of Trump's high-profile Senate picks — Dr. Oz, Herschel Walker, and JD Vance — are in serious trouble despite a favorable 2022 midterm climate for the GOP
▼ + stars: | 2022-07-19 | by ( Jake Lahut | ) www.businessinsider.com time to read: +9 min

A seemingly dormant Mehmet Oz campaign has struggled to unify the MAGA base in Pennsylvania. "Since Dr. Oz's victory remarks on June 9th, he has been to over 75 events," Oz campaign spokesperson Brittany Yanick told Insider in a statement. The Oz campaign would not say when it has plans to launch new TV ads. The Vance campaign responded to Insider's request for comment by attacking Rep. Tim Ryan. "It's why Democrats have a chance of holding onto the Senate," he told Insider, "is just the horrible class of candidates they've nominated."

☆ What is Moore v. Harper? Experts say the next big Supreme Court case 'could provide the path for election subversion'
▼ + stars: | 2022-07-03 | by ( Katherine Tangalakis-Lippert | ) www.businessinsider.com time to read: +6 min

The Supreme Court on Thursday agreed to hear the case of Moore v. Harper in October. Moore v. Harper is a North Carolina case regarding the independent state legislature doctrine and gerrymandering. The review was granted on June 30 with the case to be heard in the Supreme Court session this October. "And it would do so at a time when voting rights are under attack, including at the Supreme Court itself." Conservative Supreme Court justices Neil Gorsuch, Brett Kavanaugh, Clarence Thomas, and Samuel Alito have all endorsed versions of the legal theory in previous court opinions.

Persons: Moore, Harper, —, Harper Moore, Robin Hudson, Samuel Alito, Clarence Thomas, Neil Gorsuch, Timothy K, SCOTUS, Leah Litman, Kate Shaw, Carolyn Shapiro, Brennan, Brett Kavanaugh, Richard Hasen, Cortez Organizations: Service, Republican, Democratic, North Carolina Supreme, General, United States, North Carolina House of, Independent, Washington Post, Supreme, Brennan Center, Justice, Conservative, New York Democrat Locations: North Carolina, North Carolina's, Alexandria

☆ Gamma, cea mai nouă tulpină de COVID-19 descoperită de oamenii de știință; Ce se știe până acum despre ea
▼ + stars: | 2021-06-23 | by ( ) www.jurnal.md time to read: +1 min

Sursa foto: AFPGamma, cea mai nouă tulpină de COVID-19 descoperită de oamenii de știință; Ce se știe până acum despre eaDovezile actuale sugerează că varianta Gamma poate rezista efectelor tratamentelor cu anticorpi. „Dacă nu ești vaccinat deloc sau dacă ești imunizat doar cu o singură doză de ser, ești mult mai vulnerabil”, a declarat decanul Peter Hotez de la Colegiul de Medicină Baylor. Totodată, potrivit Aleph News, s-a demonstrat că varianta Gamma are o rezistență mai mare la anticorpi decât Alpha, dar o rezistență comparabilă cu Delta. Johnson&Johnson ar putea avea unele probleme, însă tot ar fi un ser benefic”, a spus Moore. Toți oamenii ar trebui să se vaccineze complet, mai ales că o singură doză nu ar fi suficient, a mai transmis expertul în imunologie.

Persons: Peter Hotez, John P . Moore, Johnson, Moore Organizations: Medicină, Alpha Locations: New York

After teaching himself about money, my uncle retired at age 56 and paid off his mortgage in eight years. Save early and save aggressivelyIt's much easier to develop the habit of saving when you're young and have few responsibilities. Saving early gives your money time to grow, and you can take advantage of compound interest. In addition to saving early in his career, my uncle aimed to save at least 15% of his income. For example, if you start saving just five years later (at age 30), you'll need to set aside 18%.

The different is your FSA money is "use it or lose it," while your HSA money rolls over from year to year. The biggest difference is that FSA money has to be used by the end of the year, while HSA money rolls over from year to year. For 2021, the HSA contribution limit is $3,600 for individual coverage and $7,200 for family coverage. Remember, you can use this account for a host of eligible medical expenses, including dental and vision expenses. HSAs and FSAs are great tools that can reduce your taxes while you save for future medical expenses.

Saving for retirement is a long process, but many retirees have shared their top tips with Business Insider. Retirees suggest investing in real estate to create income in retirement, and saving 15% of your income from a young age. Start saving 15% of your income while you're youngFinancial planner and writer Chloe A. Moore shared the retirement advice her uncle used to retire at 56. Saving for retirement works best when start young — retirement savings rely on time and compound interest to grow. Owning these properties was important when both of her parents retired, and especially after her father died.

Persons: —, it's, Chloe A, Moore, Donna Fenn, Fenn, Choncé Maddox, Maddox, They've, Robin Kavanagh's, Olivia Christensen, Ellen Young, Christensen, Young Organizations: Business, Service, Social

Certified financial planner and financial educator Angela Moore recommends setting up automatic bank transfers to keep your spending and saving on track in uncertain financial times. Angela Moore, a financial planner, financial educator, and founder and co-owner of Modern Money Advisor, has some smart advice for saving in uncertain times. She recommends saving several months of expenses in a liquid account, such as a high-yield savings account. "I think right now it's important to try and just save in some kind of account that's liquid, like a savings account," Moore said. "If you can get by in this economy or go through a job loss without going through your savings, that's ideal."

Persons: Angela Moore, Moore, —, " Moore, you'll, you've, Said Moore Organizations: Service, Modern, Ally Bank

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