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Homelessness can carry a stigma. But data shows there are many factors that contribute to the crisis.As many as 3.5 million Americans are homeless, according to the Department of Housing and Urban Development. It says most of those people live on the streets or in a shelter.That’s just one definition. It doesn’t count the 7.5 million Americans who live with others because of high housing costs.The newest data shows the homeless population is mostly male, white and middle-aged. But the crisis goes far beyond that. More Americans are homeless today compared to before the Great Recession.The list of contributing factors is growing. One of the big ones is affordable housing.More than one-quarter of renters pay their landlords at least half their monthly income, 780
High school students, get ready. The latest U.S. News & World Report college rankings dropped Monday and they're sure to put high school students -- and more so, their parents -- in a frenzy as they prepare to apply to colleges this autumn.The latest release marks the 35th edition of the Best Colleges ranking, and it's 337

Holiday marketers have your number, and they know how to entice you to spend.You try to rein it in. But two favorite strategies can lead to spending more, according to a 2018 survey by the Center for the New Middle Class, a research organization funded by Elevate, which lends to credit-challenged borrowers. Consumers who shopped at sales were 50% more likely to say they spent more than they expected. Among shoppers who used coupons, 38.5% said they overspent.Many shoppers try to be careful instead of making a spending plan. Using a budget can feel like it’s wringing the joy out of a happy season. Why? Giving feels good, says Jeff Kreisler, co-author of “Dollars and Sense: How We Misthink Money and How to Spend Smarter.”But simply being careful doesn’t work, “because a lot of the reasons we make poor financial decisions are unconscious,” says Kreisler, who’s editor in chief of PeopleScience.com, which applies behavioral science to the marketplace.However, you can position yourself to recognize — and overcome — overspending triggers.Use the best defense: a holiday budgetAshley Feinstein Gerstley, a financial coach and founder of the Fiscal Femme website, advises setting aside time — not over an hour — to list holiday expenses. Build in a buffer, because you’ll forget some things. But you’ll be better off if you have a number in mind, she says.Be realistic, not rigid, about your budget. Otherwise, controlling expenses can seem so futile you don’t bother trying, she says. “It’s like being on a strict diet and figuring if you cheated and had a cookie, you may as well eat the whole bag.”If you worry about overspending, consider getting a prepaid gift card in that amount, Kreisler says. It can help you stay aware of what you are spending and what’s left.Having a successful holiday spending plan may also inspire you to 1855
General Motors MUST immediately open their stupidly abandoned Lordstown plant in Ohio, or some other plant, and START MAKING VENTILATORS, NOW!!!!!! FORD, GET GOING ON VENTILATORS, FAST!!!!!! @GeneralMotors @Ford— Donald J. Trump (@realDonaldTrump) March 27, 2020 275
Fear is infecting the stock market on concerns that the spread of the coronavirus will interfere with global trade. Over only six days, U.S. stocks have slid nail-bitingly close to a correction, defined as a 10% drop from the market top.It’s safe to say that only day traders like thinking about stock market corrections. But for the rest of us, trying to ignore market free falls is not a bad strategy, especially when it comes to a long-term goal like retirement.That’s because one of the best ways to make sure your retirement accounts survive economic turbulence is to fortify those accounts as well as you can and then go do something else, come what may.“Don’t get caught up in the motion of the market when investing for a long-term goal,” says Chris Remedios, a certified financial planner with Remedios Financial Planning in San Francisco. “If it makes you uncomfortable when things go down, don’t look.”Taking the steps below will help protect your 971
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