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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).")
_mini-water-gun.webp "Unboxingexperience7")
_the-ministry-of-ungentlemanly-warfare-movie-clip-stealth-mode-is-over.webp "The Ministry of Ungentlemanly Warfare Movie Clip - Stealth Mode is Over <br/><br/><br/>The Ministry Of Ungentlemanly Warfare – Tickets on Sale Now. Early Access Screenings April 13. In theaters everywhere April 19. Starring Henry Cavill, Eiza González, Alan Ritchson, Alex Pettyfer, Hero Fiennes Tiffin, Babs Olusanmokun, Henrique Zaga, Til Schweiger, with Henry Golding and Cary Elwes.<br/><br/>#UngentlemanlyWarfare<br/><br/>Based upon recently declassified files of the British War Department and inspired by true events, THE MINISTRY OF UNGENTLEMANLY WARFARE is an action-comedy that tells the story of the first-ever special forces organization formed during WWII by UK Prime Minister Winston Churchill and a small group of military officials including author Ian Fleming. The top-secret combat unit, composed of a motley crew of rogues and mavericks, goes on a daring mission against the Nazis using entirely unconventional and utterly “ungentlemanly” fighting techniques. Ultimately their audacious approach changed the course of the war and laid the foundation for the British SAS and modern Black Ops warfare.")
_the-epic-holi-gun-from-amazon.webp "Sillycorns")
_best-water-guns-to-buy-this-summer-2021.webp "Brilliant News")
_the-pick-up-truck-that-drives-backwards.webp "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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