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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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बॉलीवुड की दिग्गज एक्ट्रेस नीना गुप्ता नानी बनने वाली हैं। उनकी बेटी मसाबा गुप्ता ने प्रेग्नेंसी की अनाउंसमेंट की है। उन्होंने पहली बार बेबी बंप फ्लॉन्ट करते हुए पति सत्यदीप मिश्रा संग फोटोज शेयर की हैं, जो वायरल हो रही हैं। मसाबा और सत्यदीप ने पिछले साल जनवरी महीने में शादी की थी। ये मसाबा और सत्यदीप दोनों की ही दूसरी शादी थी। <br/> <br/>Veteran Bollywood actress Neena Gupta is going to become a grandmother. His daughter Masaba Gupta has announced her pregnancy. For the first time, she has shared photos with husband Satyadeep Mishra flaunting her baby bump, which are going viral. Masaba and Satyadeep got married in January last year. This was the second marriage of both Masaba and Satyadeep.<br/> <br/>#masabaguptapregnancyannouncement #neenaguptadaughterpregnancy #masabaguptababybumpvideo #celebsreactiononmasabapregnancy <br/>~PR.111~ED.120~
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A Northern Ireland sandwich shop and café is ‘on a roll’ after serving the local community for over six decades.<br/><br/>Located in Coleraine's main shopping area, Heralds at 22, an iconic family-run eatery, originally opened its doors in 1964 as the successful Wimpy Bar.<br/><br/>Recently the fabulous Cellofella from Limavady sat outside the cafe to help mark the special occasion by entertaining diners, shoppers and tourists.
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Actor-politician Ravi Kishan has got embroiled in a controversy due to allegations made by a woman named Aparna Thakur from Lucknow, who claims to be his second wife. Aparna's complaint alleges that the Bhojpuri actor denied their daughter from their purported marriage. During a press conference, she levelled accusations against Ravi Kishan and his family. In the latest development, Ravi's wife, Preeti Shukla, has filed an FIR against Aparna at the Hazratganj police station. The FIR, filed late at night on April 9th, alleges that Aparna threatened Preeti and demanded Rs 20 crore. Additionally, Preeti stated that Aparna claimed to have connections with the underworld and threatened to frame Ravi Kishan in a false rape case and harm the entire family if they did not comply with her demands.<br/>
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