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Experts say those feeling the pain of the financial crisis the most are millennials. The generation has missed major milestones that past generations enjoyed in their 30’s and 40’s as a result of dealing with two major financial crises over the past decade.However, it may not be all gloom and doom for millennials. The economic cycles the generation has experienced early on could lead them to understand the economy and markets better, potentially leveraging that to greater future gains.Many millennials graduated and entered the workforce during the 2008 Great Recession. They were just hitting their prime, and then, this pandemic and a second major financial crisis hit.“It just feels not only like we can’t catch a break, but we can’t even get started without something coming along and taking away a lot of what we worked for,” said Erin Lowry.Erin Lowry is an author and wrote the books “Broke Millennial” and “Broke Millennial Takes on Investing”.“The big thing to consider for your financial future is this will be temporary,” said Lowry. "We are going to get through this just like we got through ’08.”Surveys conducted by the Urban Institute show at least 1 in 3 millennials are struggling financially right now, and millennials as a whole have less acclimated wealth at this stage in life than the prior generation. To change that, even during this recession, Lowry believes there are a few key things millennials can do.“You do want to think about doing, and I hesitate to say it like this, but the least damage currently,” said Lowry.She recommends minimizing the amount of debt you may need to take on to get through this economic downturn. Also, protect your credit scores as much as possible by making on-time payments.Pay the minimum if needed or contact your lenders to work out agreements that will not show missed payments on your credit report. In the future, you’ll want a healthy credit score to be able to qualify for mortgage loans or auto loans at a lower interest rate.Lastly, try to still contribute to your retirement plan even if it’s a little bit. If you are in a position where every penny counts right now, think about a time in the near future when you can start to again invest. That is important because, historically, the market will rebound.To recover on a better financial footing, you want to buy when the market is low, or down, and reap the gains as the economy recovers.“After 2008, we went on to have one of the longest bull runs in stock market history,” said Lowry. "We don’t know what is going to happen after the coronavirus recession, but you don’t want to miss out on potentially huge returns.”The possible advantage of going through two recessions early in life may be a better understanding of the economy and a stronger desire to understand the market, along with learning how to use the downturn as an opportunity for future gains. 2896
Excessively high or low body mass index measurements have been linked to an increased risk of dying from nearly every major cause except transport accidents, new research says.The?study, published Wednesday in The Lancet Diabetes and Endocrinology and conducted by scientists at London School of Hygiene and Tropical Medicine, revealed that BMI that's either too high or too low is tied to increased morbidity from a range of major diseases.Krishnan Bhaskaran, lead author of the study and associate professor of statistical epidemiology, noted that his team found "important associations" between BMI and most causes of death."BMI is a key indicator of health. We know that BMI is linked to the risk of dying overall, but surprisingly little research has been conducted on the links to deaths from specific causes," he said."We have filled this knowledge gap to help researchers, patients and doctors better understand how underweight and excess weight might be associated with diseases such as cancer, respiratory disease and liver disease."BMI is determined by dividing a person's weight in kilograms by the square of their height in meters.The study authors say they discovered that maintaining a BMI in the range of 21 to 25 kg/m2 is linked to the lowest level of morbidity.BMI outside this range was shown to have a "J-shaped association" with nearly all causes of death, not solely the most prevalent diseases. This means BMIs both lower and higher than the optimal range lead to increased risk of morbidity.The study, which analyzed data from 3.6 million people and 367,512 deaths, showed that obesity, or BMI of 30 or more, was linked to an increased prevalence of two major causes of death: heart disease and cancer."BMI higher than 25, the upper end of healthy, is linked to most cancers, most cardiovascular diseases, respiratory disease, and liver and kidney conditions," Bhaskaran said.Obesity was shown to reduce life expectancy by 4.2 years in men and 3.5 years in women, and it can contribute to other chronic conditions including respiratory disease, liver disease and diabetes.The British Journal of Cancer reported in April that obesity is linked to 7.5% of cancers in UK women.The charity Cancer Research UK estimated that 23,000 women will deal with obesity-related cancers by 2035. Obesity will also become the most common cause of cancer in women by 2043 if trends continue.The study also revealed that being underweight is linked to a "surprising wide range of deaths," including dementia, Alzheimer's, cardiovascular disease and suicide.However, Bhaskaran noted that links between low BMI and causes of death were more "observative," as it was less clear whether low weight was the direct cause of illness or rather a marker of poor health more generally.He also acknowledged the limitations of the study, which included a lack of information on the diet or level of physical activity of the individuals involved and the impact these factors may have had on morbidity.He nevertheless noted that the findings reiterated the importance of maintaining a BMI within the 21 to 25 range. 3130
ESCONDIDO, Calif. (KGTV) -- Neighbors in an Escondido neighborhood are worried after they say dozens of tires were slashed overnight Saturday.The incidents reportedly happened on 4th Avenue and 2nd Avenue between Date and Elm Streets.Residents on 4th Avenue reported waking up Sunday morning to find that at least 11 vehicles had their tires slashed.Similarly, residents on 2nd avenue reported that nearly 30 vehicles had slashed tires.Police said they have been made aware of the incidents but it’s unclear if they have a suspect or will be investigating.Imagine waking up and finding your tires slashed, then finding out it happened to DOZENS more on your block. It happened in Escondido. Watch on @10News at 6 to hear what police are doing to find whoever is responsible. pic.twitter.com/l98EPz4OBL— Laura Acevedo (@10NewsAcevedo) February 19, 2018 859
Even a parked car is a source of stress.Like when you run outside in your pajamas at the sound of the street sweeper coming. Cars left unattended for days might become a target for theft or vandals. They still need routine maintenance, the occasional car wash and a drive every few weeks to circulate the fluids and recharge the battery.So with the pandemic changing the way we work, commute and shop, there’s probably no better time to see what life feels like without a car.Here are four reasons to consider a car-free future:1. You don’t (and won’t) drive much anymoreHow many days last week did your car just sit? How many miles have you put on it in the past month?When the pandemic hit, many companies sent their employees home to work remotely. Total miles driven plunged by 40% nationally in the second half of March, according to insurance data analyst Arity. Driving is on the rise again, but the interlude showed that we can get along just fine without everyone having their own car.But you’re still making the same car payment as when you drove every day.2. You have better uses for that moneyAmericans have long been encouraged to overspend on cars, urged on by ads that promise the right car will make us popular or rugged and unlock the freedom of the great outdoors.The average American spent 3.50 a month, or ,282 a year, on their car in 2019, according to AAA. That’s mainly because car payments are so high: Experian says in 2019 the average monthly payment for a new car was 4, and the average for a used vehicle was 1.If you’re struggling to make ends meet, ditching the car payment would be a huge savings, not to mention the related expenses of gas, insurance, maintenance and repairs. If you’re not hurting, that’s money that can go toward a home down payment, a Roth IRA or paying down debt.Why not take a look at exactly how much you pay — and how much you could save — with our handy total cost of ownership calculator?3. You can cash in on high used car pricesIf you do decide to part with your car, it’s a seller’s market. The average price of a used car listing rose by 8 from June to July, according to Edmunds, which called the trend “an unprecedented historical shift in the used vehicle market.”Year over year, the value of used cars is up 16%, according to auctioneer Manheim’s Used Vehicle Value Index.More good news: Selling your used car is easier than ever. Online used car retailers such as Carvana, Shift and Vroom will give you an upfront price and pick up your car from your home. Or, sell your car to a local dealer who’s probably hungry for trade-ins for the used car lot.If you sell, consider protecting your assets with a non-owner car insurance policy. It offers liability protection if you borrow or rent a car and the owner’s own limits are exceeded. And if you were to buy another car yourself, you wouldn’t be penalized for a gap in insurance coverage.4. You have options when the need arisesThe pandemic has opened our eyes to the possibilities of delivery: groceries, takeout meals, school supplies and area rugs.And to the joys of walking, too. What’s within walking or cycling distance? A few minutes with Google Maps might surprise you.Car trips of less than a mile add up to 10 billion miles a year, according to the Environmental Protection Agency. Replacing those trips with walking or biking will not only help keep you fit, but also save you money on gas and cut down on pollution.But sometimes you still need a car. Many transportation services that were initially locked down are up and running, offering contactless service at reduced prices with new safety measures.Here’s what’s available for longer-than-cycling distances:Taxis and ridesharing services.Car-sharing companies such as Zipcar.Rides from a friend.Rental cars and peer-to-peer car rental sites such as Turo.Public transportation.More From NerdWalletHow to Pay for a Home Remodel Without Tapping Your EquityShould You Press Pause on Private Student Loans?Is That Nearly New Salvage-Title Car Really a Deal?Philip Reed is a writer at NerdWallet. Email: articles@nerdwallet.com. Twitter: @AutoReed. 4147
Ensa Cosby, daughter of embattled comedian Bill Cosby, has died at the age of 44, TMZ reported and the Associated Press confirmed on Monday. Ensa Cosby reportedly died Friday night in Massachusetts. The cause of her death is unknown as of Monday afternoon. Ensa Cosby was a steadfast supporter of her father, who has been battling accusations of sexual misconduct. Bill Cosby faced a sexual assault trial in 2017, which ended in a mistrial. Ensa Cosby issued a statement on last year on "The Breakfast Club" radio show backing her father. "The accusations against my father have been one-sided from the beginning. When he tried to defend himself, he was sued in civil court," she said. "I've seen the accusations become more horrific and extreme with time and I've witnessed my father's reputation and legendary works be dismissed without any proof."I strongly believe my father is innocent of the crimes that are alleged against him and I believe that racism has played a big role in all aspects of this scandal. How the charges came against him, how people believed them before they were ever scrutinized or tested, how people who questioned the claims were shut down and ignored."Ensa Cosby did not follow her father into show business. Her only acting credit came in 1989, appearing in one episode of "The Cosby Show."Ensa is the second of Bill Cosby's five children to have died. In 1997, Cosby's son Ennis died during an armed robbery. 1510