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_over-40-of-americans-have-no-clue-what-a-401k-is.webp "Almost half of Americans don’t know what a 401(k) is, according to a recent poll. <br/><br/>A national survey of 2,000 Americans, evenly split by generation, revealed that 43% of respondents don’t know what a 401(k) is. The survey examined Americans’ financial literacy, commitment to learning and adopting healthy money habits, and feelings regarding their bank accounts and financial futures. <br/><br/>The results revealed a significant lack of confidence among respondents regarding their financial literacy, with only 30% believing they could win a game of personal finance trivia.<br/><br/>And over a third (35%) don’t know what “interest” is in a financial context. <br/><br/>The study, commissioned by Beyond Finance for Financial Practice Week and conducted by OnePoll, revealed that despite these startling knowledge gaps, only two in five respondents (39%) consider themselves more financially literate than others. <br/><br/>Four in 10 Americans (39%) admit they procrastinate when implementing healthy financial habits. Gen Z are most likely to procrastinate (49%) while baby boomers are least likely to procrastinate (22%).<br/><br/>The top reasons respondents cited for postponing personal finance tasks include stress (25%), feeling their financial health is already poor and can’t get any worse (16%) and forgetfulness (13%).<br/><br/>“Unfortunately, avoiding looking at your finances and making healthy changes is incredibly common,” said Dr. Erika Rasure, chief financial wellness advisor of Beyond Finance, which can be overwhelming. Some people tend to neglect taking stock of their financial situation, and others can become nervously consumed by it. There’s a middle ground to take when improving your financial health — learn healthy money habits, pay attention and make small, achievable adjustments to your spending and habits.” <br/><br/>The study revealed the average American typically checks their banking app twice daily. Exactly half of respondents say they feel nervous when opening their banking portal, with Gen Z feeling most uncomfortable (65%). <br/><br/>In comparison, baby boomers feel the most calm (26%) and over a quarter of all respondents avoid signing into their banking apps on a daily basis, at all (26%). <br/><br/>Regarding budgeting habits, eight in ten respondents try to hold themselves accountable to a monthly budget with millennials and baby boomers tying for the best-laid financial plans (81%). <br/><br/>Of those who create a monthly budget, respondents only stick to it 66% of the time on average, with baby boomers exhibiting the highest accountability (76%) and Gen Z deviating the most from their budgets (58%). <br/><br/>For those trying to save money, the most popular strategies include buying on-sale items (53%), using coupons and discount codes (47%), limiting spending on clothing (45%) and shopping at discount stores (42%). <br/><br/>However, a considerable portion of respondents resort to more drastic measures to save money, such as infrequent social outings to bars and restaurants (39%), limited travel or not traveling at all (36%), rarely or never buying coffee at coffee shops (35%) and rarely or never buying gifts (32%).<br/><br/>Notably, 33% of respondents said they never take vacations.<br/><br/>Finances also influence relationships: Nearly four in ten (39%) reported that their or their partner’s unhealthy spending habits have negatively affected their relationship.<br/> <br/>A majority of those in relationships (63%) agreed that learning about personal finance as a couple would increase their chances of improving money habits successfully in the future.<br/><br/>“The first step in a happier financial future is education,” said Dr. Rasure. “The more you know about money and personal finances, the more equipped you’ll be to make better decisions and create a plan to meet your goals. That’s why Financial Practice Week is important. We want to encourage people to learn the money habits and practices they’ve been putting off so they can make progress toward a more stable, optimistic future.” <br/><br/>Survey methodology:<br/>This random double-opt-in survey of U.S. adults split evenly by generation (500 Gen Z, 500 millennials, 500 Gen X, and 500 baby boomers) was commissioned by Beyond Finance between Feb. 16 and Feb. 22, 2024. It was conducted by market research company OnePoll, whose team members are Market Research Society members and have corporate membership to the American Association for Public Opinion Research (AAPOR) and the European Society for Opinion and Marketing Research (ESOMAR).")
_selling-products-online-with-the-shpock-app-124-shpock-boot-sale.webp "Sam Dey - DeyTips")
_2024-toyota-bz4x-xle-fwd-design-in-wind-chill-pearl.webp "The all-new Toyota bZ4X SUV has arrived in Australian showrooms, with Toyota’s first BEV introducing a new BEV-specific platform, the latest motor generator and battery technology, and advanced safety and connected technologies.<br/><br/>Launching in its latest global specification, the bZ4X draws on more than a quarter of a century of Toyota leadership in hybrid vehicles. The bZ4X represents another important step in the multi-pathway approach to electrification that includes a range of technologies<br/><br/>The bZ4X is the first Toyota to use the new BEV-dedicated e-TNGA platform, which has been designed and optimised for a new range of electric vehicles. It integrates the battery and motor generator into the vehicle’s structure, providing extra rigidity and a low centre of gravity for stable driving dynamics. This approach allows the wheels to be pushed further outward to the front and rear, leaving more room for passengers within the vehicle’s footprint. It also offers the versatility of front or all-wheel-drive traction – the latter providing benchmark off-road capability among all-electric SUVs.<br/><br/>The e-TNGA platform gave designers the freedom to create an innovative BEV that embodies the inherent appeal of an SUV shape, while achieving impressive aerodynamic efficiency.<br/><br/>The front-wheel-drive (FWD) bZ4X is equipped with poly-ellipsoidal LED headlights, 20-inch alloy wheels, numerous convenience and safety details, heated side mirrors with auto power folding, power tailgate and privacy glass for rear side, quarter and back windows.<br/><br/>The interior features fabric and SofTex® (synthetic leather) trim, eight-way power adjustable driver seat, heated front seats, leather-accented steering wheel, dual-zone climate control, smart entry and start, four cupholders and eight bottle holders.<br/><br/>The latest Toyota multimedia technology is housed within a 12.3-inch touchscreen and is compatible with wireless Apple CarPlay®and wireless Android Auto™. Enhanced voice recognition using the “Hey, Toyota” command can control several functions such as “Open all windows”. This multimedia suite is augmented by the latest Toyota Connected Services online features, including integration with the myToyota Connect smartphone app, which is offered for a complimentary period of 12 months.<br/><br/>The bZ4X comes with BEV specific connected features such as charge station locators and charge management functionality within the myToyota Connect smartphone app. Over-the-air updates, cloud navigation and live traffic information are included. The latest Toyota Safety Sense suite integrates a comprehensive array of safety technologies within a BEV structure designed to protect passengers, the battery and other vehicles and pedestrians.")
_how-to-sell-on-the-shpock-app-2020-tutorial.webp "Worldwide Arcades")
_how-to-buy-on-shpock-with-hooha-instant-face-to-face-payments.webp "Hooha")
_live-celtics-vs-hornets-postgame-show-124-garden-report.webp "The Garden Report goes live following the Celtics game vs the Hornets. Catch the Celtics Postgame Show featuring Bobby Manning, Josue Pavon, Jimmy Toscano, A. Sherrod Blakely and John Zannis as they offer insights and analysis from Boston's game vs Charlotte.<br/><br/>This episode of the Garden Report is brought to you by:<br/><br/>Get in on the excitement with PrizePicks, America’s No. 1 Fantasy Sports App, where you can turn your hoops knowledge into serious cash. Download the app today and use code CLNS for a first deposit match up to $100! Pick more. Pick less. It’s that Easy! Go to https://PrizePicks.com/CLNS<br/><br/>Elevate your style game on and off the course with the PXG Spring Summer 2024 collection. Head over to https://PXG.com/GARDEN and save 10% on all apparel.<br/><br/>Nutrafol Men! Take the first step to visibly thicker, healthier hair. For a limited time, Nutrafol is offering our listeners ten dollars off your first month’s subscription and free shipping when you go to https://Nutrafol.com/MEN and enter the promo code GARDEN!<br/><br/>#Celtics #NBA #GardenReport #CLNS")
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