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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).")
_burglars-sign-football-shirts-during-club-raid.webp "Three burglars scored an own goal after breaking into Burton Albion FC and signing a shirt with their initials.<br/><br/>The League One club released CCTV of the raiders roaming the dressing room and players' tunnel at the Pirelli stadium on Sunday 14 April.<br/><br/>The yobs stole players’ personal possessions and protein bars during the raid which happened the day after the team won 2-1 away against Stevenage FC.")
_mum-died-fighting-to-keep-daughters-killer-behind-bars.webp "Sasha Marsden was lured to her death by a sadistic killer, who offered her a fake job in a hotel. <br/><br/>Her mum's dying wish was to keep Sasha's killer, David Minto, in jail. Watch the full video at<br/>https://www.shotstv.com/watch/vod/52420382")
_thief-arrested-charged-and-jailed-within-48-hours-of-stealing-from-sunderland39s-bobby39s-bar.webp "Thief arrested, charged and jailed within 48 hours of stealing from Sunderland's Bobby's Bar")
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_its-like-stepping-back-300-years-inside-one-of-londons-oldest-wine-cellars.webp "We head down to The Stafford Hotel, and venture down into the wine cellar where Winston Churchill is thought to have drunk magnum’s of champagne.")
_stay-away-from-these-unhealthy-kids-foods.webp "Stay Away<br/>From These, Unhealthy<br/>Kids Foods.<br/>As many parents know, kids can<br/>be some of the world's pickiest eaters.<br/>One day, a certain food<br/>is the best thing they’ve<br/>ever had. The next day,<br/>it’s the most disgusting<br/>thing in the world. .<br/>Unfortunately, this can cause many defeated parents to<br/>turn to kids foods that aren’t the healthiest options. .<br/>Most of the classic kids foods, especially<br/>prepackaged or frozen ones, contain too much sugar<br/>and fat and not enough nutritional quality. .<br/>Here are 13 of the unhealthiest kids foods<br/>that you should try to stay away from.<br/>1. Fruit Gummy Snacks.<br/>2. Fruit Juice.<br/>3. High-Sugar<br/>Cereals.<br/>4. Applesauce.<br/>5. Boxed<br/>Macaroni<br/>and Cheese.<br/>6. Hot Dogs.<br/>7. Flavored Yogurt.<br/>8. Popcorn .<br/>9. French Fries.<br/>10. Pizza.<br/>11. Hard Candies<br/>(Lollipops).<br/>12. Granola Bars.<br/>13. Fast Food")
_meet-the-pontefract-mum-and-daughter-duo-who-perform-burlesque-together-in-a-group-for-breast-cancer-survivors-video-sw.webp "Sharon Ridgway, 50, was diagnosed with triple negative breast cancer in April 2020 and underwent a double mastectomy 10 months later.<br/><br/>Her 26-year-old daughter, Reanne Conway, a bar manager, was then tested for the gene and had a preventative surgery to remove both her breasts in March 2023.<br/><br/>They decided to join the burlesque group for fellow survivors which now has four women who had their breasts removed, recruited from the Incredkible Foundation. <br/><br/>Video by SWNS<br/>")
_what39s-the-best-bar-in-leeds.webp "We asked people what's the best bar in Leeds?")
_forensics-on-the-scene-as-part-of-gold-street-is-cordoned-off-by-police.webp "The bottom of Gold Street, between the World’s Food Market and the former Northampton Sports Bar, is currently blocked off to vehicles and pedestrians (Saturday, April 13).")
_dirty-sexy-saint-2019-movie-in-english.webp "Dirty Sexy Saint 2019, Movie in English,<br/>Of all the bars in all of Chicago, she walks into his, Based on the novel by New York Times, best-selling authors Carly Phillips, and Erika Wilde,<br/>Director,<br/>Tosca Musk,<br/>Writers,<br/>Joany Kane, Tosca Musk, Carly Phillips,<br/>Stars,<br/>Jordan Lane Price, David A. Gregory, Luke Guldan,<br/>Are you ready to get Dirty Sexy with a Saint?, Clay Kincaid knows he's more a sinner than a saint, Especially when it comes to women, With a rough and damaged past, that has left him jaded, he doesn't do committed relationships, But he does like sex?, the hotter and harder, the better,")
_travel-experts-weigh-in-on-when-to-book-your-summer-vacation-travel-plans.webp "Spring break may have come and gone, but that might mean you’re already planning your summer getaway. Lucky for you, travel experts are dishing the details about when to book to get the best deal on that vacation rental you’ve had your eye on. Buzz60’s Tony Spitz has the details.")
_explore-the-city-plate-by-plate-with-liverpool-restaurant-week-meal-deals.webp "Explore the city plate by plate with Liverpool Restaurant Week! There are more than 130 offers available, ranging from £5 to £35.")
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