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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).")
_beyond-two-souls-full-jodie-shower-scene-full-1080p-hd.webp "R3D Gaming")
_beyond-two-souls-both-shower-scenes.webp "GameBuzz")
_antiques-roadshow-expert-restores-former-chapel-he-bought-for-60k.webp "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")
_beyond-two-souls-ellen-page-jodie-all-shower-scenes.webp "lzuniy")
_beyond-two-souls-shower-scene-1-hd-chapter-navajo.webp "【XCV//】")
_blossoms-in-adversity-2024-capitulo-26-sub-espaol.webp "Blossoms in Adversity 2024 Capitulo 26 Sub Español")
_behind-the-scenes-beyond-two-souls.webp "NeoGamer - The Video Game Archive")
_beyond-two-souls-how-to-kill-the-teenagers.webp "konoe-kun")
_first-look-barnsley-goes-wild-celebrating-children39s-books-star-brian-wildsmith.webp "South Yorkshire’s late great children’s book author and illustrator Brian Wildsmith is being celebrated in his home town with not one but two free exhibitions as Barnsley braces itself for visitors county wide and beyond.<br/><br/>Paws, Claws, Tales & Roars: The Art of Brian Wildsmith is at Cooper Gallery while Coming Home: The Life of Brian Wildsmith will be at Experience Barnsley Museum, inside the nearby Town Hall. Both run from Saturday, April 20, 2024, to January 4, 2025.<br/><br/>The Barnsley Museums displays are awash with the vibrant palette and limitless imagination that define Brian's beloved books, including his ABC, The Owl and the Woodpecker, Jungle Party, and many more.<br/><br/>Join Graham Walker as he chats to Brian's daugther, Clare and son, Simon, who give us an exclusive guided tour and reveal fascinating stories behind their father's artwork.<br/><br/>For more visit https://www.yorkshirepost.co.uk/whats-on/yorkshire-goes-wild-celebrating-its-world-famous-childrens-book-illustrator-and-author-brian-wildsmith-4595359")
_beyond-two-souls-ps4-pro-parte-5.webp "Vhsephi")
_beyond-two-souls-jodie-shower-scene-part-1.webp "MikasaChanTV")
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