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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).
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On April 18, 2014, NASA's Lunar Atmosphere and Dust Environment Explorer, also known as LADEE, ended its mission by crashing into the moon. [‘On This Day in Space’ Video Series on Space.com]<br/><br/>LADEE had spent seven months orbiting the moon and studying its exosphere. The exosphere is a thin layer of gas that's kind of like an atmosphere, but the molecules are more spread out and are definitely not breathable. LADEE conducted a lunar dust experiment in which it collected and analyzed the dust particles floating around in the exosphere. This experiment was intended to help NASA solve the mystery behind the faint glow Apollo astronauts reported seeing on the lunar horizon. LADEE discovered neon in the exosphere, but it wasn't enough to account for the glow, and the mystery remains unsolved. When LADEE ran out of fuel, NASA intentionally crashed it into into the lunar surface. It was traveling 3,600 miles per hour during the crash and created a crater almost 10 feet wide.
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Many of you have noticed that Tales of Kenzera: ZAU is supported by Ridley Scott Associates. Today I’m proud to reveal what that means.<br/><br/>Over the past few months, I’ve written and directed my first short film with the support and guidance of RSA Films.<br/><br/>It tells the real story behind ZAU, showing how hard it is to reach out. To try to connect to others while you’re going through it. To make the choice to be seen.<br/><br/>I’m honoured to share this piece of myself with you now. It’s the ideal primer for Tales of Kenzera: ZAU, and it’s my love letter to my father and to everyone out there who holds the pain of loss in their heart.<br/><br/>- Abu<br/><br/>Pre-order ZAU: https://www.ea.com/en-gb/games/tales-of-kenzera/zau<br/>Play the Demo: https://store.steampowered.com/app/2316580/Tales_of_Kenzera_ZAU/<br/>Follow Surgent: https://twitter.com/surgentstudios<br/>Follow Abu: https://twitter.com/Abzybabzy<br/><br/>Production company - RSA Films @ridleyscottcg & Surgent Studios @surgentstudios<br/>Executive Producer -Luke Scott<br/>Executive Producer -Nancy Ryan @nook80<br/>Director - Abubakar Salim @abzysalim<br/>Producer - Amara Rossell @amararossell<br/>1st AD - Ty Hack @tyyhack<br/>Production Assistant - Ella Crawford @ellacrawford<br/>Production Runner - Sonny Cannatella @sonnycannatella<br/>AD Runner - Jess Lee@jessicaolivialee<br/>1st AC - Oliver Bingham @oliver_bingham<br/>1st AC Day 3- Stefen Ofori @essofori<br/>2nd AC - Scarlett Gardner @scarlettgartman<br/>Camera Trainee - Max Bent Marshall @maxbentmarshall<br/>Steadicam - Beau Pritchard @beauxpj<br/>Gaffer - Salvador Gomez @glofilmlighting<br/>Spark - Declan Duffy @declanlikesflowers<br/>Spark - Charlie Lodge @charlie_lodge<br/>Production Designer -Lottie Toon @lottienot<br/>Art Director - Elis Agurp@eliagrup<br/>Video Playback - Von Adams @vonadmas<br/>Sound Recordist - Danny Hilton @hiltsldn<br/>Camera Driver - Charlie Maddocks @cbemaddocks<br/>Offline post house - The Assembly Rooms @the_assembly_Rooms<br/>Editor: Amanda Marie- Rose @amandaldn<br/>Post Producer - Taise Kerr @taiskerr<br/>Colourist -Vlad Barin @vladb.c<br/>Colour Producer -Mike Coley @mikecoley_culkin
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Health advocacy groups are petitioning the FDA to ban methylene chloride, a chemical compound used in the decaffeination process. Here's what you need to know.
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President Biden spoke with people in Pennsylvania on Wednesday during an unscheduled campaign stop at a coffee shop in Scranton. <br/><br/>Fuel your success with Forbes. Gain unlimited access to premium journalism, including breaking news, groundbreaking in-depth reported stories, daily digests and more. Plus, members get a front-row seat at members-only events with leading thinkers and doers, access to premium video that can help you get ahead, an ad-light experience, early access to select products including NFT drops and more:<br/><br/>https://account.forbes.com/membership/?utm_source=youtube&utm_medium=display&utm_campaign=growth_non-sub_paid_subscribe_ytdescript<br/><br/><br/>Stay Connected<br/>Forbes on Facebook: http://fb.com/forbes<br/>Forbes Video on Twitter: http://www.twitter.com/forbes<br/>Forbes Video on Instagram: http://instagram.com/forbes<br/>More From Forbes:http://forbes.com
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Sexy Boys from peyton coffee feet
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Sunderland's new Fern coffee shop
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On April 18, 2014, NASA's Lunar Atmosphere and Dust Environment Explorer, also known as LADEE, ended its mission by crashing into the moon. [‘On This Day in Space’ Video Series on Space.com]<br/><br/>LADEE had spent seven months orbiting the moon and studying its exosphere. The exosphere is a thin layer of gas that's kind of like an atmosphere, but the molecules are more spread out and are definitely not breathable. LADEE conducted a lunar dust experiment in which it collected and analyzed the dust particles floating around in the exosphere. This experiment was intended to help NASA solve the mystery behind the faint glow Apollo astronauts reported seeing on the lunar horizon. LADEE discovered neon in the exosphere, but it wasn't enough to account for the glow, and the mystery remains unsolved. When LADEE ran out of fuel, NASA intentionally crashed it into into the lunar surface. It was traveling 3,600 miles per hour during the crash and created a crater almost 10 feet wide.
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An Antiques Roadshow expert has bought a former chapel for 60K to convert into a home and workshop - and is calling on others to ‘save these historic structures’.<br/><br/>Wayne Colquhoun, 60, bought Capel Salem in Corris in Wales - which still had a pulpit with a Bible in.<br/><br/>He says he fell in love with the 1868 romantic slate structure which had fallen into disrepair.<br/><br/>The Grade II listed chapel upkeep became too expensive for the diminishing congregation and was on the market in 2017. <br/><br/>Across Wales, chapels fall into the landscape through disrepair, demolition or ‘insensitive conversion’.<br/><br/>He bought the chapel for £60k, transforming the upper gallery into a three-bed apartment, adding floorboards covering half the gallery.<br/><br/>Wayne said: “When I bought it the bible was still on the pulpit, as though the congregation had walked out and closed the door.<br/><br/>“When people close the doors on old buildings- that’s the danger point. It gets damp and dry rot sets in.<br/><br/>“These historic structures are evocative of Welsh history and have to be saved - we need people who will put their heart and soul into them because it’s easy to butcher conversions.”<br/><br/>He aims to maintain the lower space and Canadian pitch pine panelling for use as his Antiques and Fine Art shop, moved from Liverpool, plus a pottery and sculpture workshop.<br/><br/>He aims to keep as many original features of the property as possible, from its single-glazed arched windows to reusing the pews as kitchen work surfaces.<br/><br/>Nearby, three chapels closest to Capel Salem have closed permanently to worship.<br/><br/>Wayne is in the process of transforming the lower level into his antiques and fine art shop. <br/><br/>He hopes to hold talks and workshops in the space, aiming to build up to employing locals and 'giving back' to the community.<br/><br/>Just 500 feet away sits Holy Trinity Church which closed its doors in 2020 not through lack of attendance, but through disrepair.<br/><br/>Neil Sumner chair of Welsh Religious Buildings Trust wrote that the redundancy of chapels in Wales is due to a 19th century ‘expansionist fervour’ of Nonconformist Chapels (i.e. Baptists, Congregationalists, Methodists).<br/><br/>In 1800 Caernarfonshire there were 30 chapels, rising to 221 in 1851, representing a 700 per cent increase.<br/><br/>Combining this flurry of builds with the 20th-century fall in attendance, Sumner wrote “the result is there are now too many buildings for current needs”.<br/><br/>In an attempt to preserve the character of the increasing chapel conversions, historic environment service Cadw has issued guidelines including keeping the front of the chapels untouched, retaining rooms with self-supporting partitions and allowing ‘characteristic features to show through the new walls and floors’.<br/><br/>Meanwhile the Buildings Trust attempt to conserve Welsh chapels through fundraising and management.<br/><br/>After leaving school Wayne went on to become a specialist in the restoration of historic and listed buildings. <br/><br/>Wayne has run an art gallery for over two decades and is an indepe
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A FORMER race car driver has built a one-of-a-kind vehicle never before seen on the roads - a 1952 Ford pick-up truck that drives BACKWARDS. Davey Hamilton, from Indianapolis, was struggling to find the truck of his dreams. But having been inspired by his friend in Maine, another former driver who owned a truck, Davey decided to take things one step further. But to build his backwards truck, Davey had to first find a truck with a big back window that could act as a windscreen. Davey told R.Rides: “A lot of the older trucks have really small back windows; they don’t have the wide ones. I couldn’t find a truck with a big back window. I happened to find this truck three miles from my father’s house and knew I had to get it.” The truck had its original body, frames and pedals. “We had put the lights on obviously, going the wrong direction. I didn't know what to do for bed cover. So, we figured to keep the rustic look.” Davey had to do a lot of work for the truck to work just right. “We had to cut a hole between the bed of the truck and the cab of the truck for your feet to go in. And so that had to be sealed up so there's no water getting inside the truck.” With the seats in and doors on, the truck still had a little to go before making its road debut. The windshield wipers got installed to make it safe, so the truck had everything that’s required to get going. “It looks like it's supposed to go forward. And so, it took some time and to get everything levelled out and make sure that was mounted properly.” And Davey loves his creation for lots of reasons. “Number one, it’s an attention getter. Number two, it's definitely a fan favourite, number three, it was a lot of work. There's new people that see it every time we take it out and it's definitely a crowd getter.”
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10 things only gay men will understand from peyton coffee feet
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Vlogging these past seven years has made Emma Chamberlain one of the most influential creators of her generation, with more than 12 million subscribers on YouTube and 15 million followers on Instagram. These days, she’s using her relatability—along with her massive following—to scale her startup, Chamberlain Coffee.<br/><br/>“I’m a home barista just like the rest of us,” says Chamberlain. “It’s always been a passion for me since before I started my YouTube.”<br/><br/>Founded in 2019, Chamberlain Coffee has raised $15 million in funding from investors including Blazar Capital and Volition Capital. Products range from coffee grounds to matcha powder and recently launched ready-to-drink canned lattes. From 2022 to 2023, the company’s revenue nearly doubled; Forbes estimates it to have been $20 million last year.<br/><br/>While social media and online marketing are signifi­cant growth engines for the company, retail is a new focus. Chamberlain Coffee bags first appeared in Los Angeles’ luxe grocer Erewhon in 2021, followed by Sprouts in 2022. Ready-to-drink lattes launched in Walmart in an exclusive six-month trial in April 2023. Based on shoppers’ feedback, they relaunched wider with an updated latte formula last December. This April, Chamberlain Coffee inked a deal with 800 Target locations to sell ready-to-drink cans in flavors such as vanilla, cinnamon bun, salted caramel and mocha.<br/><br/>This year, Chamberlain Coffee collaborated with Kendall Jenner’s 818 Tequila on a Coa­chella pop-up to serve espresso martinis using her signature cold brew.<br/><br/>Even with her meteoric career, Chamberlain says her biggest challenge is not letting mistakes discourage her. “There are going to be ups and downs, there’s going to be shit that hits the fan,” she says. “You know what you have to do? You have to put your big-girl pants on, and you have to keep going.”<br/><br/>Read the full story on Forbes:<br/>https://www.forbes.com/sites/alexyork/<br/><br/>Subscribe to FORBES: https://www.youtube.com/user/Forbes?sub_confirmation=1<br/><br/>Fuel your success with Forbes. Gain unlimited access to premium journalism, including breaking news, groundbreaking in-depth reported stories, daily digests and more. Plus, members get a front-row seat at members-only events with leading thinkers and doers, access to premium video that can help you get ahead, an ad-light experience, early access to select products including NFT drops and more:<br/><br/>https://account.forbes.com/membership/?utm_source=youtube&utm_medium=display&utm_campaign=growth_non-sub_paid_subscribe_ytdescript<br/><br/>Stay Connected<br/>Forbes newsletters: https://newsletters.editorial.forbes.com<br/>Forbes on Facebook: http://fb.com/forbes<br/>Forbes Video on Twitter: http://www.twitter.com/forbes<br/>Forbes Video on Instagram: http://instagram.com/forbes<br/>More From Forbes:http://forbes.com<br/><br/>Forbes covers the intersection of entrepreneurship, wealth, technology, business and lifestyle with a focus on people and success.
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