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☆ 10 best ways to use Chase points for travel
▼ + stars: | 2023-11-29 | by ( Jennifer Yellin | Andrew Kunesh | ) edition.cnn.com time to read: +23 min

The Chase Sapphire Reserve and Chase Sapphire Preferred cards are currently offering 75,000 bonus points after you spend $4,000 in the first three months of account opening. These cards earn Chase Ultimate Rewards® points which are some of the most valuable and flexible travel rewards points out there. But before you apply, let’s take a look at some of the best ways to redeem Chase Ultimate Rewards points for travel. Best ways to redeem Chase Ultimate Rewards pointsYou can book KLM business class by transferring Chase points to Air France-KLM Flying Blue. Use the Chase Travel portal to book any flightBook flights on any airline with the Chase Travel portal.

Persons: , you’ve, Air Canada Aeroplan, Chase, Kyle Olsen, —, Holly Johnson, Ziva, Eliyahu Parypa, that’s, that’ll, You’ll, you’ll, United Chase, MileagePlus, Aeroplan, Singapore Airlines KrisFlyer, it’s, you’re Organizations: CNN, American Express, Chase Sapphire, Chase, Hyatt, United MileagePlus, Air Canada, Chase Travel, KLM, Air France, Blue, CNN, United Airlines, Aer Lingus AerClub Air Canada Aeroplan Air France, KLM Flying Blue British Airways Executive Club Emirates, JetBlue, Singapore Airlines, Rapid, United, Virgin Atlantic Flying, redemptions, you’ll, Southwest Airlines, British Airways, Images British Airways, Oneworld, Alaska Airlines, American Airlines, British Airways Executive Club, British Airways Executive, Miami . British Airways, British, Air Canada's, Air, Star Alliance, Minneapolis . Air, Midwest, Singapore Airlines ’, Aloha State, Iberia Airlines, Iberia Avios, Sapphire, Virgin Points, All Nippon Airways, All Nippon Airways One, Virgin Atlantic, ANA, Virgin, Virgin Atlantic Virgin Points Delta Air, Virgin Atlantic Virgin, Delta Air Lines, Chase Sapphire Reserve, Ink Locations: United, Japan, Iberia, Mexico, Bay, Jamaica, Cancun, Chicago, New York, United States, Caribbean, Washington, American, Alaska, Atlanta, Miami, Minneapolis, Minneapolis . Air Canada, Newark, Fort Lauderdale, Hawaii, East, Aeroplan, United Airlines, iStockphoto Hawaii, Los Angeles, Kona, Spain, Europe, United Kingdom, Madrid, Barcelona, Boston, Iberia Iberia, San Francisco, Tokyo, Amsterdam, Rome, Paris, Delta

☆ Harrisburg, Pennsylvania is the No. 1 place to retire in America, recent study shows
▼ + stars: | 2023-11-27 | by ( Celia Fernandez | ) www.cnbc.com time to read: +3 min

According to a recent U.S. News and World Report ranking, the state of Pennsylvania dominates the list of best place to retire in the U.S. Harrisburg ranked as the best place to retire in the U.S. in 2024, according to U.S. News and World Report. Richard T. Nowitz | The Image Bank | Getty ImagesHarrisburg, Pennsylvania's capital, ranked as the best place to retire in the U.S. Reading, Pennsylvania ranked as the second-best place to retire in the U.S. in 2024, according to U.S. News and World Report. 3 best place to retire in the U.S. in 2024, according to U.S. News and World Report.

Persons: Richard T, Penn ., Alex Potemkin, RentCafe Organizations: . News, U.S . News, U.S, Harrisburg, Bank, Getty Images, Allentown , Penn . New York City, Daytona, Reading Railroad, Monopoly, Istock, Getty Locations: U.S, Florida, Pennsylvania, Northeastern, Puerto Rico, Harrisburg, Penn, Getty Images Harrisburg, New York City, Philadelphia, Baltimore, Washington, East Coast, Zillow, Reading, Penn . Lancaster, Scranton, Allentown , Penn . New York, Allentown , Penn . New York City York, Daytona Beach, Fla . Youngstown , Ohio Pittsburgh, Reading , Pennsylvania, Lancaster, Reading , PA, Lancaster . Lancaster , Pennsylvania

☆ This tax-smart charitable donation strategy is like 'hitting two birds with one stone,' advisor says
▼ + stars: | 2023-11-24 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +2 min

The strategy, known as qualified charitable distributions, or QCDs, allows retirees to transfer money from an individual retirement account to an eligible nonprofit organization. "It's like hitting two birds with one stone," said certified financial planner Sean Lovison, founder of Philadelphia-area Purpose Built Financial Services. If you're age 70½ or older, you can use a QCD to donate up to $100,000 for 2023. How QCDs provide a tax breakSince 2018, there's been a higher standard deduction, which makes it tougher to claim a tax break for charitable gifts. If you're age 73 or older, QCDs can also cover your required minimum distributions, which otherwise would have boosted income, experts say.

Persons: there's, Sean Lovison, Marguerita Cheng, Kevin Brady, aren't, Ольга Носова Organizations: Blue, Global Wealth, CNBC's, Social Security, Wealthspire Advisors Locations: Philadelphia, Gaithersburg , Maryland, New York

☆ They Made It to the Top 0.2%—in Age. Here’s What Helped Them Get There.
▼ + stars: | 2023-11-17 | by ( Gretchen Tarrant | ) www.wsj.com time to read: 1 min

Photo: iStockGood genes may be a big piece of the longevity puzzle, but there are some strategies that seem to help people maintain vitality later in life. Wall Street Journal readers shared their own and loved ones’ stories about reaching and surpassing the age of 95, which would put them in just 0.2% of today’s population, according to the Census Bureau. Below, their advice on living long and well.

Organizations: Wall Street Journal, Census

☆ Find out why this garden has been named ‘the most beautiful in Japan’ for 20+ years
▼ + stars: | 2023-11-16 | by ( Lilit Marcus | ) edition.cnn.com time to read: +7 min

Shimane, Japan CNN —In Japan, gardening isn’t just a hobby – it’s an art form with spiritual significance. The US-based Sukiya Living magazine (formerly Journal of Japanese Gardening) has awarded the Adachi Museum its highest honor – most beautiful traditional garden – for more than 20 years running. Despite accolades coming from outside of Japan, the museum and gardens remain relatively unknown compared to those in Kyoto and Tokyo. Many Western visitors to Japan are confused when they visit a Japanese garden, only to not see a single flower. “Before looking at Japanese paintings, you can look at these Japanese gardens and understand them in this sequence.

Persons: ”, Sophie Walker, Robert Gilhooly, Takodori Adachi, Zenko Adachi, Adachi, Adachi's, thanyarat07, Lafcadio Hearn, genji maki Organizations: CNN, Japan CNN —, Adachi Museum of Art, Adachi Museum, “, Art, Mount Fuji, UNESCO, Museum of Art Locations: Japan, Shimane, Osaka, The, Kyoto, Tokyo, Tottori, San’in, Okayama, Honshu, Matsue, Adachi, Yasugi

☆ The Asian longhorned tick spreading across the US can clone itself thousands of times and even kill cattle
▼ + stars: | 2023-11-15 | by ( Jenny Mcgrath | ) www.businessinsider.com time to read: +9 min

The ticks turned out to be an invasive species, the Asian longhorned tick, newly established in Ohio. The curious case of the dead cattleAsian longhorned ticks are tiny and can be difficult to distinguish between other species. Risa Pesapane/Ohio State UniversityPesapane and her colleagues suggest the Ohio cattle died from blood loss. Asian longhorned ticks are hard to spot, contain, and killTiny and brown, the ALT is hard to distinguish from other types of ticks, making it difficult to spot. AdvertisementCattle are the preferred meal of Asian longhorned ticks.

Persons: —, Risa Pesapane, Pesapane, It's, Oleksandr Melnyk, Kevin Lahmers, Lahmers, Joellen Lampman, Lampman, Ohio State University Pesapane, it's, There's, Ikeda Organizations: Service, Ohio State, Medical Entomology, Pesapane, US Department of Agriculture, Getty Images, Virginia - Maryland College of Veterinary Medicine, Cornell University, Ohio State University, Plant Health, Yale School of Public Health Locations: Ohio, West Virginia, But Ohio, East Asia, Virginia, United States, New Zealand, North Carolina, Lyme, Rocky

☆ Nearly half of investors believe 2024 elections will have bigger impact on their portfolios than market performance, survey finds
▼ + stars: | 2023-11-13 | by ( Lorie Konish | ) www.cnbc.com time to read: +4 min

Now, there's another risk on the horizon that may stoke their worries — the 2024 elections. Almost half of investors — 45% — surveyed by Nationwide Retirement Institute believe next year's presidential and congressional contests will have a greater impact on their retirement plans and portfolios than market performance. More than two-thirds — 68% — of Republican investors believe the election outcome will have a direct and lasting impact on the stock market, versus more than half — 57% — of Democratic investors. Older investors are most fearful because of the lasting impact a recession may have on their retirement. What moves experts recommend Financial advisors also believe the election may have consequences for the markets, Nationwide's survey found.

Persons: stoke, Eric Henderson, that's, Henderson, Preston Cherry, Donald Trump, Ron DeSantis, Chris Christie, — Organizations: Istock, Nationwide Retirement Institute, Finance, Nationwide, Social Security, Social, Financial, Republican, New Locations: Florida, New Jersey

☆ Atlanta is the No. 1 U.S. city for single people, new study says
▼ + stars: | 2023-11-10 | by ( Celia Fernandez | ) www.cnbc.com time to read: +2 min

1 U.S. city for singles: AtlantaAtlanta, Georgia, topped the list as the best city for singles. According to the report, over 57% of Atlanta's population is single and the city ranked in the top five in the entertainment and restaurant categories. Atlanta is the best U.S. city for singles, according to Zumper. Madison, Wis. Washington, D.C. Orlando, Fla. Salt Lake City, UT Richmond, VA Pittsburgh, PA St. Louis is the second-best city for singles. 3 best city for singles.

Persons: Zumper, Sean Pavone, Hartsfield –, Louis, Wager, Saint Organizations: Atlanta, Istock, . Census Bureau, Hartsfield, Hartsfield – Jackson Atlanta International Airport, GA St, MN, UT, Anheuser, Busch, Emerson Electric, Saint Louis Locations: United States, U.S, Atlanta Atlanta , Georgia, Atlanta, Louis , MO Minneapolis, MN Boston, Mass, Madison, Wis . Washington ,, Orlando, Fla, Salt Lake City, UT Richmond, VA Pittsburgh, PA, St, New York, Minneapolis , Minnesota, Minneapolis

☆ Inflation Causes IRS to Raise Tax Brackets, Standard Deduction by 5.4%
▼ + stars: | 2023-11-09 | by ( Ashlea Ebeling | ) www.wsj.com time to read: 1 min

Your tax bill may be slightly lower next year due to inflation adjustments. Photo: iStockHere’s an upside to persistent inflation: More of your income will be taxed at lower rates next year. The Internal Revenue Service announced its annual inflation adjustments to federal income-tax brackets for 2024 Thursday, an increase that slightly outpaces the current inflation rate. This means some Americans will pay less in taxes, said Jim Young, an accounting professor at Northern Illinois University.

Persons: Jim Young Organizations: Internal Revenue Service, Northern Illinois University

☆ Capitol Hill Targets Legacy Preferences for College Admissions
▼ + stars: | 2023-11-07 | by ( Lindsay Wise | Jennifer Calfas | ) www.wsj.com time to read: +1 min

Changes to the Free Application for Federal Student Aid, or Fafsa, will allow people to make contributions to their 401(k) without it impacting the amount of financial aid they receive. WSJ personal-finance reporter Oyin Adedoyin joins host J.R. Whalen to discuss. PHOTO: ISTOCKWASHINGTON—Senators are taking fresh aim at legacy and donor preferences for admission to college, as advantages given to certain students and groups come under increasing scrutiny following a recent Supreme Court ruling striking down the use of race in college admissions. and Tim Kaine (D., Va.)—called the MERIT Act—would try to end legacy admissions at colleges and universities. The bipartisan legislation would add a new standard for accreditation under the Higher Education Act that would prohibit institutions from giving preferential treatment during the admissions process based on an applicant’s relationship to alumni or donors.

Persons: Oyin Adedoyin, Whalen, Todd Young, Tim Kaine, — Organizations: Federal Student Aid, WASHINGTON —, Sens, Higher Locations: Ind, Va

☆ Here are some key open enrollment tips and strategies for employees
▼ + stars: | 2023-11-07 | by ( Annie Nova | ) www.cnbc.com time to read: +9 min

Jimvallee | Istock | Getty ImagesOpen-enrollment workplace checklist ✔ Health insurance ✔ Savings and spending accounts ✔ Dental and vision plans ✔ Life insurance ✔ Disability insurance ✔ Retirement savings ✔ Beneficiary selection1. If your spouse has their own health insurance option at work, you'll want to both sit down and compare the different offerings. Many employees will notice that the health insurance plans offered by their company don't include dental and vision coverage. Consider life, disability insuranceDuring open enrollment, employees will typically also be presented with different disability and life insurance options. Short-term disability coverage is very limited, she said: "Everyone needs long-term disability coverage unless they have enough savings that they could basically retire if they can't work anymore."

Persons: Caitlin Donovan, Gruber, Jean Abraham, Warby Parker, Pat Greenhouse, Abraham, Donovan, you'll, Jonathan Gruber, Louise Norris, Norris, Carolyn McClanahan, McClanahan, Ryan Viktorin, Viktorin Organizations: Istock, Getty, Savings, Patient Advocate, University of Minnesota, Harvard, Boston Globe, Massachusetts Institute of Technology, IRS, Healthinsurance.org, Planning Partners, CNBC's, Pew Research Center, Partners, Fidelity Investments Locations: Cambridge , Massachusetts, Jacksonville , Florida

☆ The Three Things That Can Save You Money—and Misery—on Your Benefits
▼ + stars: | 2023-11-01 | by ( Alex Janin | ) www.wsj.com time to read: 1 min

Photo Illustration: THE WALL STREET JOURNAL, ISTOCKThe best way to make sure your doctors are still covered under your health insurance plan? Pick up the phone and call them. Each year, many workers learn the hard way that solely relying on your insurance provider’s online search tool to check on coverage during open enrollment doesn’t work. Those websites aren’t always up-to-date, benefits professionals caution.

☆ The Death Rate for Babies in America Rose for the First Time in 20 Years
▼ + stars: | 2023-11-01 | by ( Liz Essley Whyte | ) www.wsj.com time to read: 1 min

The nation’s infant-mortality rate is double that of many developed countries. Photo: iStockThe rate of babies dying in the U.S. increased significantly for the first time in two decades, raising new alarms about maternal-infant health in America. The nation’s infant-mortality rate rose 3% from 2021 to 2022, reversing a decadeslong overall decline, the Centers for Disease Control and Prevention said Wednesday. The rate increased from 5.44 infant deaths for every 1,000 births to 5.6 in 2022, a statistically significant uptick.

Organizations: Centers for Disease Control, Prevention Locations: U.S, America

But in recent quarters, we have witnessed a dramatic shift higher in interest rates, a move that investors should not fear but embrace. In addition to the rise in nominal interest rates, we have also experienced a similar increase in real interest rates (rates adjusted for inflation). Granted, the journey to higher yields has been painful to bond investors. When calculating fixed-income returns for most bonds, there are two components: price return and income return. As an example, the Bloomberg Aggregate Bond Index posted a price return of -15.3% and an income return of +2.3%.

Persons: Bonds, Taylor Swift Organizations: Istock, Getty, Treasury, Bloomberg, Bond, Federal

☆ More than 1 million are waiting for Social Security to process initial disability claims. The consequences are 'devastating,' lawmaker says
▼ + stars: | 2023-11-01 | by ( Lorie Konish | ) www.cnbc.com time to read: +4 min

One Social Security disability applicant finally had a hearing scheduled for this month but did not live until the scheduled date, according to David Camp, interim CEO at the National Organization of Social Security Claimants' Representatives. While the patient sought help with 825 days left to live, Social Security wasted more than 500 days with its delays. From 2010 to 2022, claims for Social Security disability benefits declined by 37%, while claims for Supplemental Security Income, or SSI, fell by 49%, according to Camp. Eliminating that phase of the process could free disability determination services staff to work on initial disability claims and reduce backlog, she said. Increase funding for Social Security AdministrationCongressional Republicans have proposed a 30% federal budget cut, which would be "completely devastating" to the Social Security Administration, said Kerr-Davis.

Persons: Richard Stephen, Istock, David Camp, Linda Kerr, Davis, Kerr, Jennifer Burdick, Aleksandr Zubkov, Burdick Organizations: Getty, National Organization of Social Security, Representatives, Social Security, Social Security Administration, Consortium, Citizens, Force, Republicans, Davis, SSA

☆ Five modern-day ghost towns
▼ + stars: | 2023-10-31 | by ( Elissa Garay | ) edition.cnn.com time to read: +10 min

CNN —Think of “ghost towns” and images of dusty, lost-to-time towns, like those in America’s Wild West, may come to mind. “Climate change will undoubtedly cause death of landscapes where we shall mourn our environmental decline.”Visiting such places now can shine a critical light on the effects of climate change and, in so doing, offer educational experiences to the contemporary visitor. “Visiting such places now can shine a critical light on the effects of climate change and, in so doing, offer educational experiences to the contemporary visitor.”Here are five global ghost towns that have been created as climate change reshapes the world – the likely harbingers of many more to come. Chacaltaya Ski Resort, BoliviaBolivia's abandoned Chacaltaya Ski Resort closed in 2009. Luke Chen/iStock Editorial/Getty ImagesOnce the world’s highest ski resort, the 17,388-foot-high lodge on Mount Chacaltaya opened in the 1930s as a popular – and only – ski resort in Bolivia’s Andes.

Persons: ”, Gaia Vince, “, Jack DeWaard, “ They’re, it’s, Vince, ” Vince, DeWaard, Philip Stone, Stone, Christoph Sator, de Jean Charles, Jean Charles’s, Cotul, Luke Chen, Chacaltaya, Kile Brewer, – Organizations: CNN, Population Council, United Nations, University of Central, for Dark Tourism Research, Institute, Dark Tourism, Fijian, Louisiana Communities, Valmeyer , Illinois Old, Valmeyer, School, The New York Times Locations: Wild, Hawaii , California, Australia, Bangladesh, Lahaina, Hawaii, Spain, University of Central Lancashire, Vunidogoloa, Fiji, Pacific, Fijian, Vanua Levu, Louisiana, Gulf, Mexico, New Orleans, Cotul Morii, Moldova, Morii, Europe, Bolivia, Andes, La Paz, Valmeyer , Illinois, Mississippi, North, Illinois, Valmeyer, –

☆ These are the 10 best places to buy a vacation house in the U.S. based on rental performance, yearly expenses and more
▼ + stars: | 2023-10-31 | by ( Celia Fernandez | ) www.cnbc.com time to read: +3 min

Evolve, a vacation rental company, ranked the best places in the U.S. to buy a vacation house right now. In October, Evolve, a vacation rental company, released its ranking of the best places to buy a vacation house right now. 1 place to buy a vacation house right now, according to Evolve. 2 best place to buy a vacation house right now. The Evolve report states that the median rental revenue for Holland is $44,577, the example cap rate is 8.8% and the median listing price is $355,544.

Persons: Peter Unger, , New York Holland , Michigan Hocking Hills , Ohio Palo, Deb Snelson Organizations: Stone, U.S . News, , New York Holland , Michigan Hocking Hills , Ohio Palo Pinto , Texas Wisconsin Dells, Wisconsin Savannah , Georgia Michigan City, Evolve, Holland State, Istock, Getty Locations: U.S, , New York, New York, Lake Ontario, Finger, Napa Valley, HomeToGo, , New York Holland , Michigan Hocking Hills , Ohio, , New York Holland , Michigan Hocking Hills , Ohio Palo Pinto , Texas, Wisconsin Savannah , Georgia Michigan, Wisconsin Savannah , Georgia Michigan City , Indiana Vernon Township , New Jersey Dover , Vermont Sevierville, Tennessee Holland , Michigan, Holland, Lake Michigan, Southeast Ohio, Hocking Hills

☆ Forget the Podcast: Make Your Commute Productive
▼ + stars: | 2023-10-30 | by ( Ray A. Smith | ) www.wsj.com time to read: 1 min

Photo: iStockCommuting, often the lowest point of the workday, might make us less miserable if we did something with that time. Ample research shows a direct correlation between longer commutes and lower morale. A study published in the Journal of Transport & Health in 2019 showed that even a 1% increase in commuting time was related to a 12% increase in stress and 13% rise in fatigue.

Organizations: Transport & Health

☆ Saving More in a 401(k) Can Now Boost Your College Financial Aid
▼ + stars: | 2023-10-29 | by ( Oyin Adedoyin | ) www.wsj.com time to read: 1 min

Many families struggle with giving priority to saving for college and retirement. Photo: ISTOCKFaced with the gargantuan cost of higher education, Americans often have to choose between securing their children’s future or their own. A new rule change makes it slightly easier to do both. Pretax contributions made to retirement accounts will no longer count as income in the formula that measures a family’s ability to pay for college, under changes to this year’s Free Application for Federal Student Aid, or Fafsa. The Education Department made the changes to simplify the form and ensure more aid goes to those who need it most.

Organizations: Federal Student Aid, The Education Department

☆ While most workers want a 4-day workweek, other job perks may be an easier way to get flexibility
▼ + stars: | 2023-10-27 | by ( Lorie Konish | ) www.cnbc.com time to read: +3 min

No-mad | Istock | Getty ImagesThe United Auto Workers union has brought new attention to the idea of a 32-hour workweek as part of its strike demands. A recent Bankrate survey found 81% of full-time workers want a four-day workweek. That goes particularly for younger workers ages 18 to 42, with 83% embracing that work schedule, the personal finance website found. The enthusiasm for a four-day workweek comes as the Covid-19 pandemic prompted many workers to question the so-called "hustle culture" that has defined traditional full-time in-office work. The availability of a formal four-day workweek is still limited, Schweber said.

Persons: Sarah Foster, Z, Foster, it's, Gen Z, Julie Schweber, Schweber Organizations: United Auto Workers, Employers, Employees, Society for Human Resource Management, Finance

☆ Retirement account withdrawal rules are 'so complicated' for inherited IRAs, expert says. What to know
▼ + stars: | 2023-10-26 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +2 min

But the gift comes with mandatory withdrawals for heirs and following the rules can be difficult, experts say. According to the Secure Act of 2019, certain heirs now have less time to deplete inherited accounts due to a change in so-called "required minimum distributions." But there's now a 10-year withdrawal rule for certain heirs, meaning everything must be withdrawn by the 10th year after the original account owner's death. The rule applies to accounts inherited by so-called "non-eligible designated beneficiaries" on Jan. 1, 2020, or later. Ed Slott IRA expertNon-eligible designated beneficiaries are heirs who aren't a spouse, minor child, disabled, chronically ill or certain trusts.

Persons: Ed Slott, Ashton Lawrence, there's, Slott, RMDs Organizations: Istock, Getty, Secure, Mariner Wealth Advisors, IRS Locations: Greenville , South Carolina

☆ Morgan Stanley just picked its new CEO. Here's our take on the succession news
▼ + stars: | 2023-10-26 | by ( Morgan Chittum | ) www.cnbc.com time to read: +5 min

Morgan Stanley (MS) has finally named a successor to longtime CEO James Gorman — removing a big question mark for investors like us. Morgan Stanley said it's still on track to add $1 trillion in net new assets every three years. MS YTD mountain Morgan Stanley (MS) year-to-date performance Gorman is ready to hand over the reins after navigating years of uncertainty at the helm of the bank. Morgan Stanley needs a battle-tested exec who can navigate a murky operating environment, and Gorman said Pick fits the bill. Morgan Stanley shares have dropped about 15% year to date.

Persons: Morgan Stanley, James Gorman —, Ted Pick, Gorman, Jan, Pick, Jim Cramer, it's, James, we're, Ted, Andy Saperstein, Dan Simkowitz, Jim Cramer's, Jim Organizations: CNBC, Silicon Valley Bank, Getty Locations: shuttering, U.S, Silicon

☆ There’s a connection between workers’ mental health and retirement, emergency savings, research finds
▼ + stars: | 2023-10-26 | by ( Lorie Konish | ) www.cnbc.com time to read: +3 min

In this article T-CA Follow your favorite stocks CREATE FREE ACCOUNTNicoletaionescu | Istock | Getty ImagesFinancial strain associated with anxiety, depressionAcademic research has also highlighted a connection between mental health and retirement savings. Admittedly, it may be difficult to identify whether mental health conditions lead to poorer financial outcomes, or vice versa. The research from Telus Health points to strong relationships between financial preparedness and mental health. Emergency savings can affect mental healthWhether workers have emergency savings set aside was another factor that led to higher or lower mental health scores, Telus Health found. "Not having emergency savings was one of the biggest factors in terms of people's mental health," Allen said.

Persons: There's, Brad Klontz, Klontz, Allen Organizations: Istock, Getty, Cornell University, Medica Research, CNBC, Council, People, Telus Health, Workers

☆ Credit card users paid $130 billion in fees, interest in 2022, federal watchdog says
▼ + stars: | 2023-10-25 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +4 min

Proposed changes are meant to fill gaps in the Credit Card Accountability Responsibility and Disclosure Act of 2009, or CARD Act. The law imposed guardrails on credit card companies such as price controls on penalty fees and specific conditions in which they can be charged. However, there is no restriction on how much APR a company can charge nor language on late fees. How to minimize credit card fees, interestCardholders who carried a balance paid about 20% of their average statement balance in interest and fees last year, the CFPB found. WalletHub estimates that cardholders paid on average $76.27 in fees and interest per credit card account in the fourth quarter of 2022.

Persons: Biden, Schulz, it's, " Schulz, cardholders, Autopay, Matt Schulz, Sara Rathner Organizations: Consumers, Federal Trade Commission, Istock, Getty

☆ Startup workers are on edge
▼ + stars: | 2023-10-25 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +8 min

In today's big story, we're looking at why startups that have navigated multiple rounds of layoffs have left their workers feeling defeated. It's a question more and more startup employees are contemplating amid a historic downturn in the industry coupled with a pullback in VC funding. But as Insider's Samantha Stokes and Madeline Renbarger detail, employees are on edge nowadays because of the threat of multiple layoffs in a short time. Why work for a corporate entity and be a cog in the wheel when you can get hands-on experience at a startup? AdvertisementAdvertisementiStock; Rebecca Zisser/InsiderBut just because layoffs are a necessary evil of the startup industry, that doesn't mean employees' concerns aren't warranted.

Persons: —, Jamie Dimon isn't, JPMorgan's Jamie Dimon isn't, Samantha Lee, Samantha Stokes, Madeline Renbarger, Samantha, Madeline they've, Rebecca Zisser, Severance, Jamie Dimon, David Rosenberg, Myriam, Airism, Arantza Pena Popo, Chris Rondeau, it's, Katy Perry, Pablo Picasso, Kiersten, Dan DeFrancesco, Naga Siu, Hallam Bullock, Lisa Ryan Organizations: Service, What's, JPMorgan, EV, Microsoft, TikTok, IBM, Boeing, Meta, Mattel Locations: Southern California, New York City, San Diego, London, New York

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