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☆ The 4 biggest mistakes people make during open enrollment—and how to avoid them
▼ + stars: | 2024-11-06 | by ( Jennifer Liu | ) www.cnbc.com time to read: +5 min

Here, Feinberg shares the biggest mistakes he often sees people make with their health coverage during open enrollment, and how to avoid them. Waiting until the last minuteThe worst thing you can do during open enrollment season is procrastinate on researching your options, Feinberg says. Your open enrollment period will depend on where you get your health coverage. Instead, it's important to think through your specific health needs and the needs of any dependents or partners on your plan. Paired with a health savings account, or HSA, the option can provide some of the most flexibility in health insurance coverage, he adds.

Persons: they've, David Feinberg, Feinberg, that's, That's Organizations: Justworks, Medicare Locations: millennials, Justworks, Jan, New York City

☆ He moved into a 194-square-foot apartment in Japan — and found that downsizing boosted his productivity
▼ + stars: | 2024-10-10 | by ( Amanda Goh | ) www.businessinsider.com time to read: +8 min

AdvertisementBefore LaJuan, 32, moved into his micro-apartment in Nagoya, Japan, he was worried. The shoebox apartment was merely 194 square feet, with a divider separating the living and sleeping space from the kitchen and toilet. Moving to JapanHailing from Trinidad and Tobago, LaJuan first came to Japan in 2016 on a teaching exchange program after college. "I'm like, oh, I'm going to live life purely based on what I want to get out of life, and purely with intention." "Where I live right now, there are a lot of really nice luxury vehicles, so I see it on a regular basis.

Persons: —, wasn't, LaJuan, I'd, it's, It's, LaJuan's, frugally, he's, he'll, doesn't Organizations: Service, Netflix Locations: Nagoya, Japan, Trinidad and Tobago, It's, Fuji, Tokyo, Kyoto, Trinidad ., Trinidad, homeownership

☆ She got back in touch with a vacation fling from over 15 years ago. What happened next was unexpected
▼ + stars: | 2024-08-23 | by ( Francesca Street | ) edition.cnn.com time to read: +11 min

Alex and Ola met in a crowded bar and stayed up all night together on the island. Alex didn’t even know Ola was married – he didn’t post much, and he wasn’t on her radar anymore. To their mutual surprise, the connection Alex and Ola felt that night on the beach in Ko Phi Phi returned right away. In the fall, Alex met Ola’s children, who she immediately loved. Alexandra NelkeA year after she moved to Sweden, Alex and Ola bought a house together in Malmö, Sweden.

Persons: Alex Nelke, Ola Forsmark, he’s, ” Alex, you’re, Alex, ” Ola, Ola, kickstarted, ”, didn’t, Alex reconnecting, “, Alexandra Nelke, Alex didn’t, –, She’d, ’, Berlin Ola, Alexandra Nelke Alex, ‘ Life’s, Ola’s, Wolfgang —, “ I’ve, I’ve, she’s, they’ve Organizations: CNN, CNN Travel, Ko Phi Phi, Phi Phi, Facebook Locations: Thailand, Ola, Ko, Germany, London, Swedish, Asia, Bali, America, Sweden, Berlin, “, Malmö

☆ I'm a high school teacher, and my school banned cellphones in the classroom. Every school should do the same.
▼ + stars: | 2024-08-19 | by ( Emily Brisse | ) www.businessinsider.com time to read: +6 min

Last fall, as the school year resumed across the nation, the school I work at implemented a new cellphone policy. Here are a few:"Although it might be a little inconvenient, I really enjoy the phone policy. When we can have our phones outside class, half the people are just sitting on their phones playing a game." "The phone policy is perfect. "To be completely honest, I think the phone policy is a really, really good and reasonable one.

Persons: they're, It's, —, You've Organizations: Service, Business

☆ I'm a professional declutterer. Cleaning out your garage is a big project — here are 5 tips to finally tackle it for good.
▼ + stars: | 2024-07-30 | by ( Julia Williamson | ) www.businessinsider.com time to read: +4 min

Summer is here, and it's time to take on those big projects you've been avoiding all year. If one of those is cleaning out the garage, here are some tips to keep it from taking all summer and ruining your familial relationships. If most of the things in your garage are being banished from the premises, will you need help hauling them? AdvertisementYou'll likely find things that need repairing, things you want to donate to specific people or organizations, and things that need to be returned to their original owners. Meaning that you get all the big stuff moved out, the majority of the little stuff organized and put away, but then leave the last bit for… never?

Persons: —, you've, revel Organizations: Service

☆ I've studied the science of happiness for 10 years—take 5 'simple yet powerful' steps each day to feel happier
▼ + stars: | 2024-07-29 | by ( Stephanie Harrison | ) www.cnbc.com time to read: +3 min

Having spent the last 10 years immersed in the science of happiness and writing my book "New Happy," I know there are simple yet powerful, research-backed steps you can take to experience more happiness today. Share your feelings with othersZoom In Icon Arrows pointing outwards Stephanie Harrison of The New HappyIt's far better to share your emotions with someone you trust than to keep your feelings to yourself, research shows. Focus on the next step more than the end goalZoom In Icon Arrows pointing outwards Stephanie Harrison of The New HappyPursuing meaningful goals is an integral part of living a happy life. Perform an act of kindnessZoom In Icon Arrows pointing outwards Stephanie Harrison of The New HappyHelping other people is one of the most reliable and powerful ways to feel better. Since performing acts of kindness makes people happier, you're giving someone a chance to experience happiness, too.

Persons: Stephanie Harrison, The

☆ Emily Henry Is Proud to Be Called a Romance Writer
▼ + stars: | 2024-04-18 | by ( ) www.nytimes.com time to read: +1 min

Currently, Elise Bryant’s “It’s Elementary,” Calahan Skogman’s “Blue Graffiti” and Yangsze Choo’s “The Fox Wife.”Describe your ideal reading experience (when, where, what, how). Either way, I’m laughing, crying and by the end, calling someone I love to let them know what they mean to me. Describe your ideal way to procrastinate from writing. I don’t know if it’s ideal, but I know a lot about “The Real Housewives of Salt Lake City,” if that answers your question. I absolutely loved Tia Williams’s “A Love Song for Ricki Wilde.”What books are you embarrassed not to have read yet?

Persons: Elise Bryant’s, I’ve, “, Mhairi McFarlane, bender, Emma Straub’s “, Sherry Thomas, Tia Williams’s “, Ricki Wilde, ” Locations: Salt Lake City

☆ The Rich Don’t Have to Take Every Tax Deduction, and They Shouldn’t - The New York Times
▼ + stars: | 2024-04-13 | by ( Matthew Desmond | ) www.nytimes.com time to read: +1 min

And when it comes to paying taxes, he forgoes many deductions afforded him. For much of Mr. Narváez’s life, money was tight. But today, Mr. Narváez and his wife, a retired elementary school principal, live comfortably. Upon seeing those figures, Mr. Narváez’s financial adviser told his client he was overpaying and introduced him to an accountant. “I see it as my responsibility to pay my fair share of taxes,” Mr. Narváez, who is 70, told me.

Persons: Alejandro Narváez, he’s, Narváez, “, Mr, Mark Twain Organizations: ” Locations: Seattle

☆ In Praise of Tiny Triumphs
▼ + stars: | 2024-03-30 | by ( Melissa Kirsch | ) www.nytimes.com time to read: +1 min

Spring arrives, and with it, a semi-annoying, semi-invigorating mandate to spring clean — to clear out spaces both physical and psychological. Because I am constantly looking for reasons to get rid of old things, old ways of thinking and being that have outstayed their usefulness, I’m drawn to spring cleaning as an annual rite. But because I am also constantly reckoning with a pesky sense of dread regarding obligations of any size, I also find the concept of spring cleaning over-ambitious and intimidating. and panic (it’s that time of year and, once again, I have waited too long to call the accountant!). Then she mentioned how accomplished she felt after sewing a button on a shirt to ready it for the sale.

Persons: I’m

☆ I'm an entrepreneur who fixed my burnout by treating myself to a business retreat where I did absolutely nothing
▼ + stars: | 2024-03-24 | by ( Jennifer Billock | ) www.businessinsider.com time to read: +4 min

I love coming up with new business ideas and seeing how to take them forward. Related storiesI love my work but often get burnout, so I decided to take a business retreat. I brought my laptop, set it up when I got into the hotel room, and put my to-do list next to it. This retreat was the best thing for my businessesIt may seem like it wasn't a business retreat because I didn't physically do any work. AdvertisementAfter that weekend retreat, I returned home with renewed energy and joy for my career.

Persons: …, pedi, I'm, It's Organizations: Service, Business Locations: Edgewater, Madison , Wisconsin, Chicago, It's, Lake Michigan

☆ Why ultra-Orthodox conscription could threaten Israel’s coalition
▼ + stars: | 2024-03-08 | by ( Mick Krever | ) edition.cnn.com time to read: +10 min

In Israel’s nascent days, Prime Minister David Ben-Gurion agreed with Haredi rabbis to exempt from military service 400 men studying in religious schools, or yeshivas. Now, those piecemeal attempts to maintain the Haredi exemption may be running out. When the government came to power in late 2022, forming the most right-wing coalition in Israel’s history, the Haredim sensed an opportunity. The Israeli military has had a significant number of soldiers wounded in Gaza and has instituted massive call ups. It’s no longer just politics.”A delicate momentSome in the Haredi political leadership, perhaps recognizing the delicate political moment, have been generally cautious in defining a position.

Persons: Benjamin Netanyahu’s, ” Yohanan Plesner, David Ben, Gurion, Israel –, Haredim, Knessets, IDI, Yoav Gallant, ”, Netanyahu, – Benny Gantz, –, ” Gantz, Plesner, ” Moshe Roth, Ofer Shelah, Yitzhak Goldknopf, Ari Kalman, “, doesn’t, Bnei Brak, Roth, Nechemia, it’s, It’s Organizations: CNN, Israel Democracy Institute, IDI, Israel’s, Institute for National Security Studies Locations: Israel, United States, United Kingdom, Gali Baharav, Gaza, Bnei

Uber Eats says its flower orders peak on Valentine’s Day between 10 a.m. and 5 p.m. Uber Eats says it also appears to be a resource for forgetful lovers: Its flower orders are 60% higher than average on the day after Valentine’s Day. But I love making people happy.”Bryant sympathizes with the people who call in orders on Valentine’s Day. She spent a lot of time trying to figure out how many flowers to order for her shop this Valentine's Day. In 2023, 30% of OpenTable reservations for Valentine’s Day were made the day before and 18% were made on the day of. The venue gets requests all the way through Valentine’s Day, says Katie Higgins, Meadow Brook’s marketing and communications manager.

Persons: ”, Amanda Schoenbauer, they’re, Candy, décor, Target, Uber, Procrastinators, Linda Bryant, “ Valentine’s, “, ” Bryant sympathizes, it’s, Katie Higgins, Meadow, Joseph Ferrari, Ferrari, Don’t, Anne D'Innocenzio Organizations: Walmart, National Retail Federation, Walgreens, Valentine’s, DePaul University in, AP Locations: Panama , Nebraska, Rochester , Michigan, DePaul University in Chicago, New York

She advises not to wait to learn about credit and debt, to save for retirement, or to sign up for a 401(k) if you can. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . Cox shares three areas where procrastinating with your money goals can cost you down the road. "Take the time to educate yourself on how credit works (payments, late payments, credit scores , credit mix, utilization ) before you get a credit card ," Cox says. When you miss out on saving for a decade of your life (your 20s), you may need to win the lottery to make up that time in saving," Cox told Business Insider.

Persons: Lynnette, Cox, —, Robinhood Organizations: Service, Resilience, Business, Robinhood

☆ Black Friday shoppers spent a record $9.8 billion in U.S. online sales, up 7.5% from last year
▼ + stars: | 2023-11-25 | by ( Rebecca Picciotto | ) www.cnbc.com time to read: +4 min

Black Friday's spending spike reflects a consumer who is more willing to spend than in 2022, when gas and food prices were painfully high. Pandya noted that impulse purchases may have played a role in the Black Friday growth since $5.3 billion of the online sales came from mobile shopping. A Mastercard analysis of this year's Black Friday sales found that in-store sales rose just over 1% versus online sales, which grew by over 8% compared to last year. Black Friday kept the momentum going from the day before on Thanksgiving when online sales totaled $5.6 billion, according to a prior Adobe analysis. The report forecasts that online shoppers will spend roughly $10 billion over the course of Saturday and Sunday, and a record $12 billion on Cyber Monday.

Persons: they're, Vivek Pandya, Pandya Organizations: Woodbury, Adobe Analytics, Adobe Digital, Adobe, Mastercard, Target Locations: Lacoste, Central Valley , New York, U.S

☆ 56% of Gen Z doesn't have an emergency fund—here's the first thing you should do to build one, according to a CFP
▼ + stars: | 2023-11-14 | by ( Annie Probert | ) www.cnbc.com time to read: +1 min

High inflation and interest rates have made it hard for people of all ages to build up emergency funds, but Gen Z seems to be having a particularly difficult time stashing away cash, a recent Bank of America survey found. In fact, 56% of Gen Zers say they don't have enough savings to cover three months of expenses in the event of an emergency. Given that emergency funds tend to grow as people get older and wealthier, Gen Z's lack of savings doesn't come as a shock to Douglas Boneparth, certified financial planner and president of Bone Fide Wealth. But this doesn't mean that younger generations should procrastinate when it comes to starting an emergency fund. Here are the basics of an emergency fund and why it's important for Gen Z to begin stashing away cash now.

Persons: Gen, Gen Zers, They're, Bankrate, Douglas Boneparth, it's, Z Organizations: of America, Bone, CNBC

☆ Five Economic Signs You’re Smart to Procrastinate on Holiday Shopping This Year
▼ + stars: | 2023-11-11 | by ( Suzanne Kapner | ) www.wsj.com time to read: 1 min

It is a giant question looming over the entire U.S. economy: How much will shoppers spend during the make-or-break holiday season? Early signs—from the number of boxes loaded on railway cars to rising consumer debt—signal a weaker holiday season than the past three, when pent-up demand coming out of the worst of the pandemic sparked shoppers’ spending.

☆ Three tips to maximize benefits during open enrollment
▼ + stars: | 2023-11-08 | by ( Chris Taylor | ) www.reuters.com time to read: +4 min

More than two out of three employees (67%) spend less than 30 minutes reviewing benefits options during open enrollment season, while almost half spend less than 20 minutes, a new Voya Financial survey shows. To get enrollment over with quickly, more than 90% of employees click the same options as last year, a new report by insurer Aflac shows. Compound that figure from enrollment every November, and you can see how your options can create a solid financial future or a shaky one. "Open enrollment isn't just a formality. After all, things might have changed since the previous open enrollment.

Persons: Eric Thayer, Sean Lovison, Jack Heintzelman, Spenser Liszt, Liszt, Nate Black, Black, it's, Chris Taylor, Lauren Young, Richard Chang Organizations: Macy's, of Labor Statistics, Employers, Employees, Thomson Locations: New York, Moorestown , New Jersey, Needham Heights , Massachusetts, Dallas

☆ Panera Bread founder credits his $7.5 billion success to a simple tactic: Writing his own obituary
▼ + stars: | 2023-11-03 | by ( Ece Yildirim | In Ecedyildirim | ) www.cnbc.com time to read: +1 min

Ron Shaich spent roughly two decades building Panera Bread into nationwide behemoth, ultimately selling it for $7.5 billion in 2017. The Panera co-founder, 69, credits that success to a simple practice, which he did — and still does — once per year, he tells CNBC Make It: writing a "pre-mortem." Between Christmas and his December 30 birthday, Shaich dedicates a day or two to visualize himself at the end of his life, he says. He writes a news story, obituary or journal entry from that hypothetical future, looking back on his own endeavors, listing only the most important accomplishments. Then, he maps out how to get from his current state to that future version of himself.

Persons: Ron Shaich, Shaich, Reddit, Alexis Ohanian, it's, I'd Organizations: behemoth, CNBC

☆ 'They're running out of time': Ukraine's counteroffensive is gaining urgency as winter approaches
▼ + stars: | 2023-10-25 | by ( Holly Ellyatt | ) www.cnbc.com time to read: +10 min

"Despite inflicting significant losses on Russian armed forces, Ukraine's four-and-a-half-month-old counteroffensive has not achieved major territorial gains nor managed to slice through Russia's 'land bridge' to Crimea," he added. "The hope is that they're far enough through the Russian defensive lines now ... to make some rapid progress. Russian forces had months to prepare layers of defenses including extensive networks of trenches; anti-tank obstacles such as ditches and "dragon's teeth"; and minefields. Russian forces are also receiving support from artillery, attack helicopters and other aircraft, again impeding Ukraine's forces. Minefields, in particular, have disrupted Ukraine's offensive momentum and rate of advance, according to analysts at the Center for Strategic and International Studies (CSIS).

Persons: Roman Pilipey, Tursa, Yevhen, they're, Michael Clarke, John Moore, they'll, Ukraine hasn't, Clarke, Orikhiv, They'll, that's, Seth Jones, Riley McCabe, Alexander Palmer, Ukraine's, Joe Biden, Volodymyr Zelenskyy, Kevin Lamarque Organizations: AFP, Getty, Russian, L119, Armed Forces, Anadolu Agency, Royal United Services Institute, CNBC, Ukraine's Defense Ministry, Ukraine, Planet Labs PBC, Handout, Reuters, Center for Strategic, International Studies, CSIS, Ukrainian, 35th Marine Brigade, Hamas Locations: Kostyantynivka, Donetsk, East, Ukraine, Russian, Russia, Luhansk, Crimean, Kherson, Central, Eastern Europe, Crimea, Marinka, Krasnohorivka, British, Bakhmut, Dnipro, Robotyne, Zaporizhzhia, Tokmak, Melitopol, Sevastopol, Moscow, Kyiv, Ukrainian, U.S, Israel

☆ Republicans: House circus embarrasses senior party leaders as the country and the world wait for a speaker
▼ + stars: | 2023-10-23 | by ( Stephen Collinson | ) edition.cnn.com time to read: +10 min

The uprising that began nearly three weeks ago with the toppling of Speaker Kevin McCarthy has now weakened three of the most powerful figures in the House GOP. Twisting colored squares together in the right order seems simple by comparison with attempts to unite a House Republican conference unable to comprehend how clownish it looks. “We need (a speaker) because the House can’t do anything without a speaker,” Senate Republican leader Mitch McConnell of Kentucky said on CBS’ “Face the Nation” Sunday. “This is probably one of the most embarrassing things I’ve seen because if we don’t have a speaker of the House, we can’t govern. “This is embarrassing for the Republican Party.

Persons: shutdowns, Jim Jordan, Steve Scalise, Kevin McCarthy, McCarthy, Scalise, Jordan, “, Mike Turner, Mitch McConnell, procrastinate, Joe Biden, Vladimir Putin, It’s, Donald Trump, Matt Gaetz, ”, Trump, Michael McCaul, ” McCarthy, Tom Emmer, Emmer, Kevin Hern of, Jack Bergman of, Austin Scott of Georgia, Byron Donalds of, Mike Johnson of, Pete Sessions, Dan Meuser, Gary Palmer of, Newt Gingrich –, GOP –, ” Gingrich Organizations: CNN — House Republicans, Republican Party, ”, Intelligence, Republican, Kentucky, CBS, Biden, GOP, The, Democratic, White, California Republican, Republicans, Trump, Florida, Foreign, Texas Republican, ABC, Press, Caucus, Marine, Jordan, Black Republicans, Pete Sessions of Texas, Committee, Fox News, firebrand Georgia Republican Locations: Washington, Israel, “ State, Ukraine, Kyiv, California, Texas, Minnesota, Kevin Hern of Oklahoma, Jack Bergman of Michigan, Byron Donalds of Florida, Mike Johnson of Louisiana, Pennsylvania, Gary Palmer of Alabama

☆ The 'ideal booking window' for holiday airfare is closing, economist says. 'Travelers are going to miss out'
▼ + stars: | 2023-10-13 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +3 min

D3sign | Moment | Getty ImagesIf you have yet to purchase your fall and winter holiday travel and are hoping for a bargain airfare, time is running out. "Travelers are going to miss out on the opportunity to save when they wait too long," said Hayley Berg, lead economist at Hopper. In early October, 85% of Hopper app users who intended to book holiday travel had yet to do so, according to a survey of 500 people. In the last few days before Christmas, travelers could see price jumps of about $40 a day, Hopper anticipates. Fares will likely become increasingly competitive as travelers wait, "judging by the number of people traveling this year," said Elizabeth Ayoola, a personal finance writer at NerdWallet.

Persons: Hayley Berg, Hopper, Berg, airfare, Elizabeth Ayoola Organizations: Travelers, Finance, Air, Getty

☆ The remote work revolution is crashing into a cold reality: Research is finding workers are less productive at home
▼ + stars: | 2023-08-11 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +6 min

Recent research found that fully remote workers were less productive than office workers. A recent analysis of multiple studies by the Stanford economist Nick Bloom, a leading remote-work expert, found that fully remote workers were 10% to 20% less productive than their in-office counterparts. But the research has found, on average, those working in the office at least some of the time are more productive . Even Zoom, which is synonymous with remote work, recently called some employees back to the office for at least two days a week. Bloom recently estimated 60% of Americans worked fully in person, 30% worked in person between one and four days per week, and 10% worked fully remotely.

Persons: Nick Bloom, Mark Zuckerberg, Marc Benioff, Jeff Moriarty, Moriarty, he's, Kate Ecke, Ecke, telehealth, it's, Raj Choudhury, Stanford's Bloom, Bloom Organizations: Service, National Bureau of Economic Research, Stanford, Bureau of Labor Statistics —, Meta, Harvard Business School Locations: Wall, Silicon, India, Chicago, New Jersey

☆ This toxic mindset can cost you ‘tens of thousands of dollars,' says psychologist—how to avoid it
▼ + stars: | 2023-08-08 | by ( Dr. Adia Gooden | ) www.cnbc.com time to read: +2 min

As a psychologist of 15 years, I've found that when we feel unworthy, we often do things that sabotage our financial plans. Ultimately, not getting those raises and promotions can end up costing you tens of thousands of dollars over the course of your career. While spending money on what you want isn't a bad thing, attempting to feel better about yourself through retail therapy won't produce lasting feelings of worthiness. Identify things you can do to help yourself feel better that don't require spending money. A few examples: calling a friend, taking a walk in the park or making a list of things you're grateful for.

Persons: I've Locations: perfectionism

☆ Procrastination isn't about time management, it's an emotional issue. Here are 4 ways to overcome it.
▼ + stars: | 2023-07-12 | by ( Jonathan Small | ) www.businessinsider.com time to read: +6 min

Ludwig says it is due to a lack of intrinsic motivation, willpower, and fear of failure. "Procrastination is not a time management issue. It's an emotional management issue," says Petr Ludwig, author of The End of Procrastination: How to Stop Postponing and Lead a Fulfilled Life. The result is escaping from the stress and effort of a particular task by doing something you know you shouldn't do. "Self-forgiveness" is a helpful strategy in fighting procrastination, says Ludwig.

Persons: Petr Ludwig, Ludwig, Socrates, Plato, Mark Twain, procrastination, Jonathan Small Organizations: Service, Carlton University, Entrepreneur Media Locations: Wall, Silicon, American, prepping

☆ The clock is ticking for companies to speak clearly like Musk about China's Taiwan policy
▼ + stars: | 2023-05-18 | by ( Eric Rosenbaum | ) www.cnbc.com time to read: +5 min

Elon Musk spoke this week on a topic few CEOs want to weigh in on publicly: China's intentions to ultimately integrate Taiwan as part of the People's Republic of China. "The official policy of China is that Taiwan should be integrated. And he added, "the situation is actually a lot worse for a lot of other companies than Tesla. "I don't think it's imminent but I do think companies should heed what he [Musk] says." The U.S. government policy remains to not take an official position on Taiwan as an independent and sovereign state.

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