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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).")
_using-chess-com-daily-chess-navigation.webp "Chess.com")
_how-is-this-mate-in-1-tough-chess-logic-puzzle-chess-logic-puzzle.webp "Chess for Charity")
_six-forms-is-a-chess-style-trading-card-game-for-players-with-a-competitive-spirit-and-desire-for-evocative-high-fantasy.webp "☕If you want to support the channel: https://ko-fi.com/rollthedices<br/>❤️ To support the project: https://www.kickstarter.com/projects/kevindees/six-forms-genesis-of-war/description<br/>⭐ Website: https://sixforms.com/<br/><br/> 2-4 players<br/> Ages 13+<br/>⌛25-45 minutes<br/><br/>Six Forms is a “chess style” trading card game crafted for players with a competitive spirit and desire for evocative high-fantasy art. Over 250 unique cards provide a multitude deck building opportunities. The 4 x 4 grid-based board encourages exciting combat with close quarters so you never have a dull moment.<br/><br/>o head-to-head with your opponent and bring their life total down from 20 to 0, in this 2 or 4 player game. Make tactical card maneuvers according to their arrows on the 4 x 4 grid.<br/><br/>* Move cards like a chess bishop or rook<br/>* Move through undefended gaps on the chess-style board<br/>* Corner cards as you would checkmate a chess king<br/><br/>To create a unique tactical gameplay experience, Six Forms combines aspects of chess and traditional head-to-head card games. An example of its unique tactical gameplay is that some cards can \")
_the-easiest-way-to-gain-chess-rating.webp "BotezLive")
_families-at-dinner-be-like.webp "Ian Boggs")
_dick-durbin-amp-roger-marshall-hold-a-press-conference-on-the-credit-card-competition-act.webp "On Wednesday, Sen. Dick Durbin (D-IL) & Sen. Roger Marshall (R-KS) hold a press conference on the Credit Card Competition Act.<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")
_your-daily-chess-puzzles-april-5th-and-6th-2015.webp "Chess.com")
_imagine-the-perfect-position-plan-how-to-get-there-execute-daily-chess-test-12.webp "Hanging Pawns")
_experts-predict-a-5092-50-chance-ai-will-be-able-to-do-all-our-jobs-within-a-century.webp "Experts predict a 50-50 chance machines could take over all our jobs within a century.<br/><br/>However, a poll of 16,000 workers has found many employees believe AI could do it already.<br/><br/>Nearly half have admitted the technology can outperform them in 'routine tasks' – while also paying better attention to detail.<br/><br/>The finding comes just weeks after a leading think tank warned AI could take over eight million jobs in the UK if the government doesn't act fast.<br/><br/>The 'jobs apocalypse' is expected to see admin and entry-level roles first – but will increasingly affect those higher paid as it becomes more sophisticated.<br/><br/>The Future of Work Report by jobs website Indeed found just one in three respondents were confident AI would have a positive impact on their role.<br/><br/>The majority however – nine in ten – felt confident they would be able to adapt to the changes over the next five years.<br/><br/>Workers told how much of their day-to-day responsibilities were already ripe for automation – with three in five saying that AI can carry out data analysis better than humans.<br/><br/>Routine tasks (48%) and attention to detail (45%) were other tasks where workers felt AI had the upper hand.<br/><br/>While repetitive jobs are well-suited to AI, workers said they still felt confident they were better in critical thinking, creativity, and emotional intelligence.<br/><br/>Experts are split on the effect AI will have on the global job market – but all are in agreement that it will, and already is, have a seismic impact.<br/><br/>BT last year unveiled plans to slash tens of thousands of jobs by 2030 - with around 10,000 set to be replaced by technology.<br/><br/>A survey of over 2,700 AI researchers in January meanwhile suggested AI could well be 'better and cheaper' than humans in every profession by 2116.<br/><br/>The date forecast is nearly 50 years earlier than the same prediction made the previous year, highlighting how quickly it is improving.<br/><br/>A recent survey of 600 global CEOs found many were hurriedly sending 'novice' staff on AI boot camps to get them up to speed.<br/><br/>Hundreds admitted they also feared the technology would take over their role one day.<br/><br/>Many said they already secretly use tools such as ChatGPT to help them carry out their daily responsibilities – and passed it off as their work.<br/><br/>Nick Baxter, chief executive of The IN Group said: 'The reality is that many fast-growing companies are still struggling with the skills gap, a problem which ultimately damages growth and slows innovation.<br/><br/>'If we want to build a truly dynamic digital economy, businesses need access to the latest AI and tech talent, allowing ambitious companies to reach their full potential.'<br/><br/>Tristan Wilkinson, public sector lead at AND Digital said: 'Businesses are the lifeblood of the UK economy, yet so many are struggling to keep up with the pace of digital transformation.")
_chess-study-plan-to-reach-2000-elo-faster-124-30-minutes-training-daily.webp "Remote Chess Academy")
_5-minutes-of-chess-grandmasters-giving-hilarious-answers-to-interviews.webp "Chess.com")
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