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☆ Don't believe these money misconceptions: 3 things to know that can help improve your finances
▼ + stars: | 2024-04-25 | by ( Sharon Epperson | In Sharoneppersoncnbc | ) www.cnbc.com time to read: +4 min

Part of the problem: People continue to believe common misconceptions about managing and investing their money. When it comes to your retirement savings, target-date funds can be another smart option. Young couple managing finance and investment online, analyzing stock market trades with mobile app on laptop and smartphone. "People feel like, I can get a higher return with no risk … but basically, a higher return is always a reward for higher risk." There's almost no risk to money in federally insured deposit accounts, unlike investments that are subject to the daily changes in the stock, which can result in much higher risk.

Persons: Witthaya, Annamaria Lusardi, Paul Yakoboski, Young, Lusardi, There's Organizations: TIAA, Global Financial, Stanford Institute for Economic Policy Research, TIAA Institute, Target, CNBC, Financial Wellness, Board Locations: U.S

☆ Influencer Tori Dunlap is spurring women to maximize their savings and invest in the stock market
▼ + stars: | 2024-03-28 | by ( Alex Harring | ) www.cnbc.com time to read: +4 min

Sarah WolfeAs Tiffany Mane read a personal finance book during her train ride to work, a woman sitting near her acknowledged that she, too, knew of the author. And there's a cyclical effect at play: Women utilize Dunlap's resources to improve their financial lives, and then share the information with others. A 2021 survey from NerdWallet showed women were less likely to be invested in the stock market than their male counterparts. "This kind of identity-focused personal finance is 100% necessary, and is the future of personal finance." In that group, members share financial wins and trade advice on topics like which banks or credit cards to use.

Persons: Sarah Wolfe, Tiffany Mane, Mane, Tori Dunlap, Dunlap, isn't, She's, Annamaria Lusardi, Lusardi Organizations: D.C, Finance, Facebook, Stanford Institute for Economic Policy Research, Global Financial Locations: Washington, York, NerdWallet

The surge comes as educators are scrambling to bolster students’ math skills, which plummeted during the pandemic and haven’t fully recovered. Advocates say personal finance courses could pay dividends if students learn how to make wiser money decisions and avoid financial hazards. “The more math you add to financial literacy, frankly, the better it is,” says Annamaria Lusardi, founder and academic director of the Global Financial Literacy Excellence Center. ... Having said that, financial literacy is more than math.”Idaho is one of the states where a new financial literacy curriculum is hitting classrooms. In 2020, the NAACP issued a resolution calling for more financial literacy programs in K-12 schools.

Persons: Bryan Martinez jots, ” Martinez, Tonica Tatum, Gormes, ” Tatum, “, ”, Annamaria Lusardi, weren’t, Debbie Critchfield, aren’t, Laina Cox, Tatum, Martinez, who’s, ___ Sadie Dittenber Organizations: WASHINGTON, Capital, Associated Press, Christian Science Monitor, Dallas Morning News, Idaho Education, Courier, The Seattle Times, D.C, Council for Economic Education, Global Financial, “, Advocates, NAACP, Finance, Capital City Public Charter School, Carnegie Corporation of New, AP Locations: Capital City, Idaho, South Carolina, The Washington, Idaho’s, Carnegie Corporation of New York

MADISON, Wis. (AP) — The Great Lakes’ frigid fresh water used to keep shipwrecks so well preserved that divers could see dishes in the cupboards. Quagga mussels, native to Russia and Ukraine, were discovered in the Great Lakes in 1989, around the same time as their infamous cousin species, zebra mussels. Scientists believe the creatures arrived via ballast dumps from transoceanic freighters making their way to Great Lakes ports. They consume so many nutrients at such high rates they can render portions of the murky Great Lakes as clear as tropical seas. After 30 years of colonization, quaggas have displaced zebra mussels as the dominant mussel in the Great Lakes.

Persons: Tamara Thomsen, Wayne Lusardi, ”, they're, quaggas, Harvey Bootsma, Edmund Fitzgerald, Gordon Lightfoot, Daniel J, Carl D, Bradley, Frank H, Moody, Brendon Baillod, Bob Jaeck, Baillod, Milwaukee's Bootsma, “, ” Baillod Organizations: Tuskegee, “, University of California, Riverside’s, Species Research, Biologists, University of Wisconsin, Milwaukee's, Freshwater Sciences, Tuskegee Airmen, Tuskegee Army Air Field, UW Locations: MADISON, Wis, Canadian, Ontario, ” Wisconsin, Superior, Lake Huron, Swiss, Russia, Ukraine, Great, Great Lakes, Lake Michigan, Lake Superior, Cedarville, Straits, Mackinac, Alabama, Madison, Trinidad, Algoma , Wisconsin, Michigan, Milwaukee, Detroit, Chicago, Toledo , Ohio

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