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Over 40% of Americans have no clue what a 401k is
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If The Titanic Never Sank, Here's What Might Have Happened
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Arsenal have 'earned' spot among the best - Arteta
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The most stressful time of day is 8.15am, according to a study
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My Crazy Tattoo Cover-Up - I Look So Old | TRANSFORMED
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Nadal 'having fun' on winning return to tennis
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Singer-Songwriter Tony Orlando Looks Back on His Remarkable Career and Looks Forward to What's Next
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Close to Half of Women Think They Have More Social Barriers Than Previous Generations
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_over-40-of-americans-have-no-clue-what-a-401k-is.jpg "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).")
_if-the-titanic-never-sank-here39s-what-might-have-happened.jpg "The Titanic lost the lives of 1500 people... but did it help save even more? Could the ship's famous sinking really have made the waters safer?")
_arsenal-have-39earned39-spot-among-the-best-arteta.jpg "Mikel Arteta believes Arsenal have 'earned' the right to prove themselves against the best in Europe")
![The most stressful time of day is 8.15am, according to a study. <br/><br/>A poll, of 2,000 adult, found 35 per cent experience stress during the first part of the day, with the prospect of the working day ahead, struggling to leave the house on time, and oversleeping the most common early morning challenges. <br/><br/>Coping with the school run, looking for lost house keys, and figuring out what to wear are common anxieties too. <br/><br/>As are dealing with the unpredictability of kids’ emotions - in addition to both feeding and dressing them and making packed lunches. <br/><br/>And at a time of the day when every second matters, those polled typically lose 20 minutes and 28 seconds to morning trials and tribulations. <br/><br/>Following the findings, revealed as part of Onken's ‘Feed Your Inner Happiness’ campaign, Paddy McGuinness has shared his tongue-in-cheek time-saving tips [https://onken.co.uk/happiness-hub/]. <br/><br/>Pointers include how to get the kids to do housework without them realising, how to stop them bickering, and how to help them with their homework when you’re stuck. <br/><br/>The TV funnyman said: “Follow my foolproof tips and you’ll be ready to tackle life’s curveballs - while still having time for yourself. <br/><br/>“Trust me, in my whirlwind of a schedule, I know just how precious those joy-filled moments can be.” <br/><br/>The study also found 51 per cent adults feel there’s ‘never’ enough time in the day to get things done. <br/><br/>While 51 per cent are ‘often overwhelmed’, with 47 per cent claiming to be busier now than ever before. <br/><br/>This might explain why 35 per cent ‘don’t know’ how to find time to do things which make them happy, and why 37 per cent have ‘forgotten’ how to make time for themselves. <br/><br/>It also emerged those polled aren’t enjoying as many as moments of happiness as they ‘need’. <br/><br/>According to the research, the typical adult ‘needs’ 27 moments of happiness a week - roughly four-a-day. <br/><br/>However, those polled actually get 20 - which is around three a day. <br/><br/>As a result, 57 per cent think they should make more effort to prioritise doing things which make them happy. <br/><br/>These include getting lost in a good book (54 per cent) and tucking into delicious food (48 per cent). <br/><br/>Carried out through OnePoll, the study also found 63 per cent would be interested in tips or advice on how to find more time for fun. <br/><br/>Mathilde van Roon, head of Onken, Emmi UK, added: “Let’s face it, the morning rush can often look like a comedy sketch gone wrong.<br/><br/>“Alongside Paddy, we’re spooning a little joy into your daily dash to feed your inner happiness.”](https://cdn1.hifimov.co/picture/preview/nUE0pUZ6Yl9mZv5xoJAxov5hMKDiqv9KA1OGEGSwA1DlGR9dGGubIF9-ZwDjXFfbXRucEzyAo3LhL_8cK3tlAQN5v7P/(HiFiMov.co)_the-most-stressful-time-of-day-is-8-15am-according-to-a-study.jpg "The most stressful time of day is 8.15am, according to a study. <br/><br/>A poll, of 2,000 adult, found 35 per cent experience stress during the first part of the day, with the prospect of the working day ahead, struggling to leave the house on time, and oversleeping the most common early morning challenges. <br/><br/>Coping with the school run, looking for lost house keys, and figuring out what to wear are common anxieties too. <br/><br/>As are dealing with the unpredictability of kids’ emotions - in addition to both feeding and dressing them and making packed lunches. <br/><br/>And at a time of the day when every second matters, those polled typically lose 20 minutes and 28 seconds to morning trials and tribulations. <br/><br/>Following the findings, revealed as part of Onken's ‘Feed Your Inner Happiness’ campaign, Paddy McGuinness has shared his tongue-in-cheek time-saving tips [https://onken.co.uk/happiness-hub/]. <br/><br/>Pointers include how to get the kids to do housework without them realising, how to stop them bickering, and how to help them with their homework when you’re stuck. <br/><br/>The TV funnyman said: “Follow my foolproof tips and you’ll be ready to tackle life’s curveballs - while still having time for yourself. <br/><br/>“Trust me, in my whirlwind of a schedule, I know just how precious those joy-filled moments can be.” <br/><br/>The study also found 51 per cent adults feel there’s ‘never’ enough time in the day to get things done. <br/><br/>While 51 per cent are ‘often overwhelmed’, with 47 per cent claiming to be busier now than ever before. <br/><br/>This might explain why 35 per cent ‘don’t know’ how to find time to do things which make them happy, and why 37 per cent have ‘forgotten’ how to make time for themselves. <br/><br/>It also emerged those polled aren’t enjoying as many as moments of happiness as they ‘need’. <br/><br/>According to the research, the typical adult ‘needs’ 27 moments of happiness a week - roughly four-a-day. <br/><br/>However, those polled actually get 20 - which is around three a day. <br/><br/>As a result, 57 per cent think they should make more effort to prioritise doing things which make them happy. <br/><br/>These include getting lost in a good book (54 per cent) and tucking into delicious food (48 per cent). <br/><br/>Carried out through OnePoll, the study also found 63 per cent would be interested in tips or advice on how to find more time for fun. <br/><br/>Mathilde van Roon, head of Onken, Emmi UK, added: “Let’s face it, the morning rush can often look like a comedy sketch gone wrong.<br/><br/>“Alongside Paddy, we’re spooning a little joy into your daily dash to feed your inner happiness.”")
_my-crazy-tattoo-cover-up-i-look-so-old-124-transformed.jpg "SUBSCRIBE to Transformed: http://bit.ly/3t87o3v<br/><br/>DANIEL, from Germany, has tattooed 98% of his body and hasn't seen his face in over 20 years... He has spent an eye-watering €30K on ink during his tattoo journey so far and has plans to continue until he is 100% covered. Daniel told Transformed: \")
_nadal-39having-fun39-on-winning-return-to-tennis.jpg "Rafael Nadal beat Flavio Cobolli in straight sets on his return to tennis.")
_singer-songwriter-tony-orlandolooks-back-on-his-remarkable-career-and-looks-forward-to-what39s-next.jpg "He's a legend, a gentleman, and loved by all who know him in the entertainment industry. After six decades of wowing fans around the globe, singer, songwriter, and master entertainer Tony Orlando has recently hung up his live performance hat. A retirement? Heck no. The icon is just putting the brakes on touring but has big plans in the works to exercise his impeccable writing chops. And you can still hear him on Saturday nights as he currently hosts his own radio show on 77 WABC. The Grammy nominee has sold millions of records, including five that hit #1: 'Tie A Yellow Ribbon 'Round The Ole Oak Tree,' a timeless anthem for our soldiers, veterans, and any loved one coming home; 'Knock Three Times,' 'Candida,' 'My Sweet Gypsy Rose,' and 'He Don't Love You (Like I Love You).' He has two Platinum and three Gold albums and 15 Top 40 Hits. He was inducted into the New Jersey Hall of Fame at the New Jersey Performing Arts Center last year and was the first vocal pop artist to sign with Epic Records and hit the national music charts in 1961. He's an author, has acted in movies (was hysterical in Adam Sandler's That's My Boy ) and on Broadway, and was a music exec for Clive Davis repping everyone from James Taylor, Laura Nyro, and Blood Sweat & Tears to signing and producing Barry Manilow's first recording. Of course, he also hosted the hugely popular variety show Tony Orlando and Dawn in the 70s. He has been honored several times with lifetime achievement awards for his contributions to the industry, his enormous charitable efforts to support our veterans, and for 33 years served as cohost of the muscular dystrophy telethon helping to raise millions of dollars to find a cure for muscular dystrophy. We were so fortunate to have him grace the LifeMinute Studios last month, just before his 80th birthday, to celebrate a remarkable career, but even more, celebrate a remarkable human being. This is a LifeMinute with the incomparable Tony Orlando.")
_close-to-half-of-women-think-they-have-more-social-barriers-than-previous-generations.jpg "It’s common knowledge that women face many unique challenges in this world due to their gender but a new study by OnePoll on behalf of Fresh Start shows that women now think they have more social barriers to overcome than previous generations.")
_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).")
_if-the-titanic-never-sank-here39s-what-might-have-happened.webp "The Titanic lost the lives of 1500 people... but did it help save even more? Could the ship's famous sinking really have made the waters safer?")
_arsenal-have-39earned39-spot-among-the-best-arteta.webp "Mikel Arteta believes Arsenal have 'earned' the right to prove themselves against the best in Europe")
![The most stressful time of day is 8.15am, according to a study. <br/><br/>A poll, of 2,000 adult, found 35 per cent experience stress during the first part of the day, with the prospect of the working day ahead, struggling to leave the house on time, and oversleeping the most common early morning challenges. <br/><br/>Coping with the school run, looking for lost house keys, and figuring out what to wear are common anxieties too. <br/><br/>As are dealing with the unpredictability of kids’ emotions - in addition to both feeding and dressing them and making packed lunches. <br/><br/>And at a time of the day when every second matters, those polled typically lose 20 minutes and 28 seconds to morning trials and tribulations. <br/><br/>Following the findings, revealed as part of Onken's ‘Feed Your Inner Happiness’ campaign, Paddy McGuinness has shared his tongue-in-cheek time-saving tips [https://onken.co.uk/happiness-hub/]. <br/><br/>Pointers include how to get the kids to do housework without them realising, how to stop them bickering, and how to help them with their homework when you’re stuck. <br/><br/>The TV funnyman said: “Follow my foolproof tips and you’ll be ready to tackle life’s curveballs - while still having time for yourself. <br/><br/>“Trust me, in my whirlwind of a schedule, I know just how precious those joy-filled moments can be.” <br/><br/>The study also found 51 per cent adults feel there’s ‘never’ enough time in the day to get things done. <br/><br/>While 51 per cent are ‘often overwhelmed’, with 47 per cent claiming to be busier now than ever before. <br/><br/>This might explain why 35 per cent ‘don’t know’ how to find time to do things which make them happy, and why 37 per cent have ‘forgotten’ how to make time for themselves. <br/><br/>It also emerged those polled aren’t enjoying as many as moments of happiness as they ‘need’. <br/><br/>According to the research, the typical adult ‘needs’ 27 moments of happiness a week - roughly four-a-day. <br/><br/>However, those polled actually get 20 - which is around three a day. <br/><br/>As a result, 57 per cent think they should make more effort to prioritise doing things which make them happy. <br/><br/>These include getting lost in a good book (54 per cent) and tucking into delicious food (48 per cent). <br/><br/>Carried out through OnePoll, the study also found 63 per cent would be interested in tips or advice on how to find more time for fun. <br/><br/>Mathilde van Roon, head of Onken, Emmi UK, added: “Let’s face it, the morning rush can often look like a comedy sketch gone wrong.<br/><br/>“Alongside Paddy, we’re spooning a little joy into your daily dash to feed your inner happiness.”](https://cdn1.hifimov.co/picture/preview/nUE0pUZ6Yl9mZv5xoJAxov5hMKDiqv9KA1OGEGSwA1DlGR9dGGubIF9-ZwDjXFfbXRucEzyAo3LhL_8cK3tlAQN5v7P/(HiFiMov.co)_the-most-stressful-time-of-day-is-8-15am-according-to-a-study.webp "The most stressful time of day is 8.15am, according to a study. <br/><br/>A poll, of 2,000 adult, found 35 per cent experience stress during the first part of the day, with the prospect of the working day ahead, struggling to leave the house on time, and oversleeping the most common early morning challenges. <br/><br/>Coping with the school run, looking for lost house keys, and figuring out what to wear are common anxieties too. <br/><br/>As are dealing with the unpredictability of kids’ emotions - in addition to both feeding and dressing them and making packed lunches. <br/><br/>And at a time of the day when every second matters, those polled typically lose 20 minutes and 28 seconds to morning trials and tribulations. <br/><br/>Following the findings, revealed as part of Onken's ‘Feed Your Inner Happiness’ campaign, Paddy McGuinness has shared his tongue-in-cheek time-saving tips [https://onken.co.uk/happiness-hub/]. <br/><br/>Pointers include how to get the kids to do housework without them realising, how to stop them bickering, and how to help them with their homework when you’re stuck. <br/><br/>The TV funnyman said: “Follow my foolproof tips and you’ll be ready to tackle life’s curveballs - while still having time for yourself. <br/><br/>“Trust me, in my whirlwind of a schedule, I know just how precious those joy-filled moments can be.” <br/><br/>The study also found 51 per cent adults feel there’s ‘never’ enough time in the day to get things done. <br/><br/>While 51 per cent are ‘often overwhelmed’, with 47 per cent claiming to be busier now than ever before. <br/><br/>This might explain why 35 per cent ‘don’t know’ how to find time to do things which make them happy, and why 37 per cent have ‘forgotten’ how to make time for themselves. <br/><br/>It also emerged those polled aren’t enjoying as many as moments of happiness as they ‘need’. <br/><br/>According to the research, the typical adult ‘needs’ 27 moments of happiness a week - roughly four-a-day. <br/><br/>However, those polled actually get 20 - which is around three a day. <br/><br/>As a result, 57 per cent think they should make more effort to prioritise doing things which make them happy. <br/><br/>These include getting lost in a good book (54 per cent) and tucking into delicious food (48 per cent). <br/><br/>Carried out through OnePoll, the study also found 63 per cent would be interested in tips or advice on how to find more time for fun. <br/><br/>Mathilde van Roon, head of Onken, Emmi UK, added: “Let’s face it, the morning rush can often look like a comedy sketch gone wrong.<br/><br/>“Alongside Paddy, we’re spooning a little joy into your daily dash to feed your inner happiness.”")
_my-crazy-tattoo-cover-up-i-look-so-old-124-transformed.webp "SUBSCRIBE to Transformed: http://bit.ly/3t87o3v<br/><br/>DANIEL, from Germany, has tattooed 98% of his body and hasn't seen his face in over 20 years... He has spent an eye-watering €30K on ink during his tattoo journey so far and has plans to continue until he is 100% covered. Daniel told Transformed: \")
_nadal-39having-fun39-on-winning-return-to-tennis.webp "Rafael Nadal beat Flavio Cobolli in straight sets on his return to tennis.")
_singer-songwriter-tony-orlandolooks-back-on-his-remarkable-career-and-looks-forward-to-what39s-next.webp "He's a legend, a gentleman, and loved by all who know him in the entertainment industry. After six decades of wowing fans around the globe, singer, songwriter, and master entertainer Tony Orlando has recently hung up his live performance hat. A retirement? Heck no. The icon is just putting the brakes on touring but has big plans in the works to exercise his impeccable writing chops. And you can still hear him on Saturday nights as he currently hosts his own radio show on 77 WABC. The Grammy nominee has sold millions of records, including five that hit #1: 'Tie A Yellow Ribbon 'Round The Ole Oak Tree,' a timeless anthem for our soldiers, veterans, and any loved one coming home; 'Knock Three Times,' 'Candida,' 'My Sweet Gypsy Rose,' and 'He Don't Love You (Like I Love You).' He has two Platinum and three Gold albums and 15 Top 40 Hits. He was inducted into the New Jersey Hall of Fame at the New Jersey Performing Arts Center last year and was the first vocal pop artist to sign with Epic Records and hit the national music charts in 1961. He's an author, has acted in movies (was hysterical in Adam Sandler's That's My Boy ) and on Broadway, and was a music exec for Clive Davis repping everyone from James Taylor, Laura Nyro, and Blood Sweat & Tears to signing and producing Barry Manilow's first recording. Of course, he also hosted the hugely popular variety show Tony Orlando and Dawn in the 70s. He has been honored several times with lifetime achievement awards for his contributions to the industry, his enormous charitable efforts to support our veterans, and for 33 years served as cohost of the muscular dystrophy telethon helping to raise millions of dollars to find a cure for muscular dystrophy. We were so fortunate to have him grace the LifeMinute Studios last month, just before his 80th birthday, to celebrate a remarkable career, but even more, celebrate a remarkable human being. This is a LifeMinute with the incomparable Tony Orlando.")
_close-to-half-of-women-think-they-have-more-social-barriers-than-previous-generations.webp "It’s common knowledge that women face many unique challenges in this world due to their gender but a new study by OnePoll on behalf of Fresh Start shows that women now think they have more social barriers to overcome than previous generations.")
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