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How Financially Literate Are Today’s Consumers?

first_img Demand Propels Home Prices Upward 2 days ago How Financially Literate Are Today’s Consumers? Related Articles What did American consumers learn about credit and finances following the housing-market collapse and ensuing economic crisis, and have lessons from the late aughts carried over to today’s pandemic and post-pandemic environment?Researchers at WalletHub wondered, “How much have we learned from past mistakes, and what are we doing to help future generations avoid repeating them?”Then they analyzed financial-education programs and consumer habits—combined with the results of their proprietary WalletLiteracy Survey—in each of the 50 states and the District of Columbia in an effort to find the answer.The unsettling conclusion: “Not enough.””We ended 2020 with close to $1 trillion in total credit-card debt, even after record-breaking paydowns due to the COVID-19 stimulus,” WalletHub Managing Editor John S Kiernan said. “Our mountain of debt is unsurprising, considering that less than half of adults actually have a budget. It’s clear that better financial education is necessary to try to turn this trend around. The problems aren’t as pronounced in every state, though; some are more responsible than others.”Here’s how each state fared (hover over the state to see its rank):Source: WalletHubVirginia, Utah, Colorado, New Hampshire, and New Jersey topped the list of most financially literate states in the country.The researchers went on to break down the rankings while taking into consideration factors including gender, race, income, marital status, education level, and age. All of those scores are viewable at WalletHub.com/edu.The study also showed how financial literacy correlates with credit scores, also by state. Share Save Subscribe Home / Daily Dose / How Financially Literate Are Today’s Consumers? The Week Ahead: Nearing the Forbearance Exit 2 days ago Previous: Optimism Fuels Housing Market Sentiment Next: Some Things Are Better in Bulk Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, News The Best Markets For Residential Property Investors 2 days ago Christina Hughes Babb is a reporter for DS News and MReport. A graduate of Southern Methodist University, she has been a reporter, editor, and publisher in the Dallas area for more than 15 years. During her 10 years at Advocate Media and Dallas Magazine, she published thousands of articles covering local politics, real estate, development, crime, the arts, entertainment, and human interest, among other topics. She has won two national Mayborn School of Journalism Ten Spurs awards for nonfiction, and has penned pieces for Texas Monthly, Salon.com, Dallas Observer, Edible, and the Dallas Morning News, among others. Governmental Measures Target Expanded Access to Affordable Housing 2 days agocenter_img Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago About Author: Christina Hughes Babb  Print This Post Source: WalletHubThe National Association of Realtors (NAR) last year published a report on financial literacy and homeownership, which showed that financial literacy is an important determinant of homeownership because it affects savings behavior.”If parents do not teach the right values and skills, we can see some of the reasons why it is difficult for adult children to make strides in making sound financial decisions, including purchasing a home,” noted Research Data Specialist Michael Hyman.That research, available at NAR.realtor/blogs, examines financial literacy indicators and how a low level of financial literacy could contribute to the wealth gap, the variation in homeownership among ethnic groups, and the importance of financial literacy in addressing these issues.Experts weighing in on WalletHub’s study discussed, among other things, the correct balance between expecting consumers to educate themselves versus regulating financial service providers.Business professor John Colletti said that while “self-empowerment gained from one’s financial understandings is invaluable,” regulation is necessary “due to unscrupulous business practices” and to assist those “lacking solid financial knowledge.”Jennifer Bethel and Robin Kahn, faculty members and facilitators of a financial literacy project at Babson College, point out that the consumer finance landscape is far more complicated today than it was even 30 years ago.”Regulating financial service providers to fully and fairly disclose information about financial products is an essential first step, but it does not address the broader education issue,” wrote Bethel and Kahn in a co-response to the study’s findings. “Consumers, each of whom is making critical financial decisions, have different needs concerning education and the need for protection. A concerted education campaign is an important second step.” The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago 2021-04-07 Christina Hughes Babb April 7, 2021 6,650 Views Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily last_img read more

‘Broad City’ Shares Deleted Scene Featuring Phish’s Mike Gordon, a.k.a. Shoe Guy [Watch]

first_imgHowever, the final season of Broad City came and went, and Cactus was nowhere to be seen. On Saturday, the show finally shared a deleted scene on their social media accounts which answers fans’ burning questions about what happened to the Gordo scene.The deleted scene comes from the season’s first episode, “Stories,” in which the show’s fictionalized versions of Abbi and Ilana set out to walk from the “tippity top to the tippity bottom” of Manhattan to celebrate Abbi’s 30th birthday. The girls document their trek live on Instagram Stories, and the episode plays like you’re watching the girls’ story on the Instagram app—complete with 15-second clips and selfies and captions and all.As we know from Broad City‘s many references to Phish and the mutual adoration between the band and the show’s creators, Abbi Jacobson is a card-carrying Phish fan. In this particular clip, Abbi has stopped for a bathroom break and is off camera. Ilana is burning some time outside taking selfies for their big Instagram story when she notices a guy who is “definitely on Stories taking pictures of his shoes!”When she runs over to “shoe guy” to compare notes on why “the internet is the f*cking best,” a white-clad silver fox appears in the frame to explain to Ilana that, “Um, no, well, I just kind of do this one thing.” The exchange ends, in true Stories style, with a pair of selfies that dub the stranger “Shoe Guy” and explain that he “wouldn’t gimme his handle”. Check out the clip below: Last fall, a photo from the set of the final season of Comedy Central‘s Broad City prompted instant excitement from Phish fans. In the photo, you can see Ilana Glazer sitting with bassist Mike Gordon on a New York City bench, taking photos of Mike—clad in his oft-meme’d, all-white outfit—taking photos of his shoes. This, of course, prompted speculation that Gordon would make an appearance on the acclaimed comedy.Ahead of the final season’s premiere, Gordon shared a photo of himself with Glazer and Abbi Jacobson, the show’s co-creators and co-stars, from the same day of shooting, seemingly adding weight to the theory that Mike would make a cameo on the show. That’s right—#ShoeGuy is none other than Mike Gordon. The clip has several layers of humor for Broad City-loving Phish fans to appreciate. If you followed Gordon on Instagram during last summer’s Phish tour, you surely noticed his new habit of documenting his nightly outfits and footwear with similar legs-crossed photos of his shoes, socks, and pants (i.e. “I kind of just do this one thing”).Then, of course, there’s the fact that this exchange happens when Abbi is out of the picture for a moment. Were she there, she would have immediately recognized the Phish bassist and the exchange likely would have gone much differently. But from Ilana’s perspective, this is just a funny interaction with some guy grabbing photos of his outfit for the ‘gram.It’s pretty understandable why the clip was scrapped from the episode’s final cut—the joke may have been a little too “inside” for the show’s general audience. Thanks to Abbi, however, for sharing the deleted scene so her fellow Phish fans can enjoy the silliness. Oh, and thanks to #ShoeGuy for keeping that fashion sense on point.last_img read more

Slaven Bilic tells high-flying West Ham to shoot on sight against Chelsea

first_img “I am happy with that part of our game, we are creating chances, we are playing well,” he said. “The only thing I would like the team to do more is shoot. Sometimes we are waiting too long in clear-cut situations which is not always necessary. Sometimes you need to try your luck. “It’s sometimes difficult to create the chances which will put you one-on-one against the goalkeeper, and we have the players who are very dangerous when they shoot in training from 20 or 25 yards. That’s what I’d like to see us do more.” While Jose Mourinho’s wilting champions will arrive in east London in a lowly 12th place, West Ham are flying high in fourth. Bilic has so far tried to play down expectations at the club but, ahead of the cross-London clash, even the laid-back Croat admitted things are looking good so far. “I don’t know how long we can stay there, we’re going to try to continue to play good, or better, and with a little bit of luck and if we stay away from injuries we have a chance in every game,” he added. “Where that will bring us in a couple of months, or at the end, I don’t know. “We are realistically optimistic. We are playing good; on one hand we can improve in all things but on the other we know this is the Premier League and every game is extremely difficult.” Press Association The Hammers have rattled in 20 goals already this term – only Manchester City have more – with Diafra Sakho, Dimitri Payet, Manuel Lanzini and even right-back Carl Jenkinson chipping in. But ahead of Saturday’s visit of the Blues, Upton Park boss Bilic said he wants his sharp shooters to take aim even more often, just like they do in training. Chelsea are finally showing signs of life, having beaten Aston Villa last weekend before a battling goalless Champions League draw at Dynamo Kiev on Tuesday. “They played good game in Kiev, they were very solid, like the old Chelsea from last year,” said Bilic. “I watched the game, and I wasn’t happy after the game because they looked really good as a team; they were sharp, with great individuals. “Some of the performances from players who didn’t play that good recently, they played really good. And they are Chelsea!” West Ham may be the Premier League’s second-highest scorers but Slaven Bilic wants them to adopt a shoot-on-sight policy – starting against Chelsea. last_img read more

Quarterback competition heats up in spring practice

first_imgThe USC football team continues to have physical practices as their Spring game on April 14 draws closer. On Tuesday, the Trojans dealt with lingering injuries while the ongoing quarterback competition intensified.InjuriesRedshirt freshman defensive lineman Marlon Tuipulotu continued to work separately from the team as he recovers from a back injury from last season. Sophomore running back Vavae Malepeai took 1st and 2nd team reps in his return from a short absence. Meanwhile, junior wide receiver Michael Pittman Jr., who is currently dealing with an AC sprain in his shoulder, was a limited participant. He was involved in positional drills that included route running, but did not have pads on and did not play in the scrimmages.Redshirt sophomore Jack Sears is one of several QBs competing to replace Sam Darnold, who departed for the NFL Draft. Emily Smith | Daily TrojanQuarterback BattleBoth quarterbacks had their highs and lows in practice. Redshirt freshman Jack Sears and redshirt sophomore Matt Fink showed athleticism in their ability to maneuver around the pocket but also missed some key throws to their receivers.Quarterbacks coach Bryan Ellis stressed that while they are keeping many of the concepts they employed with former quarterback Sam Darnold, he does not want Sears and Fink to mimic everything from their predecessor.“We want them to see and keep learning those concepts we’ve used but I don’t want them to watch Sam because Sam was his own different animal,” Ellis said. “They need to be the players that they are.”StandoutsWith now NFL-bound wide receiver Deontay Burnett’s departure and the Pittman Jr. injury, sophomore Josh Imatorbhebhe has been one of the bright spots for a suddenly thin wide receiving core. Running with the first and second-string offense, Imatorbhebhe showed explosion after a short catch and run as well as deep-threat ability, connecting with redshirt sophomore Holden Thomas on a deep ball down the right sideline. While head coach Clay Helton previously attached Imatorbhebhe’s success to a better understanding of the playbook, the former ESPN 300 recruit attributed his progression to an improved focus. “If I have to run a route, I’m making sure my pad level is low,” Imatorbhebhe said. “I’m getting out of my breaks quickly, and I’m not letting it get into my head if I drop a ball.”His quarterbacks have taken notice of his progress. “[Imatorbhebhe] is a great athlete, and I can’t wait to see him on the field more,” Fink said.On the defensive side of the ball, the senior duo of linebackers Porter Gustin and Cameron Smith stood out again as leaders both vocally and through their play. The duo basically lived in the backfield, and Gustin sacked redshirt freshman quarterback Jack Sears on back-to-back plays while Smith, playing in the “Mike” linebacker position once again in defensive coordinator Clancy Pendergast’s system, called out defenses along with his solid play. Offensive LineAfter finishing last season 71st in the country in sacks allowed with 30, both offensive line coach Neil Callaway and his players focused on one theme: toughness. Sophomore Andrew Vorhees, who started the final nine games at right guard last year, highlighted this, saying, “Our team, and my unit specifically, need to be tougher mentally and physically this year.” The specific game that continues to haunt some of the Trojans and the offensive line in particular, is the Cotton Bowl, where USC allowed a season-high eight sacks. “[Ohio State was] the best defensive line we played all year and the game was an experience we need to learn from,” said sophomore Austin Jackson, a potential starting offensive tackle who appeared in all 14 games last season. With projected starting center senior Toa Lobendahn limited in spring practice, redshirt freshman Brett Neilon and freshman early enrollee Justin Dedich have earned high praise from both Callaway and Helton. Callaway mentioned their “punch and quickness of the line of scrimmage” and Helton praised their ability to “avoid assignment errors and not getting physically beaten.”Entering next season, the USC coaching staff has the tough task of replacing seniors guard Viane Talamauvao and center Nico Falah on the offensive line. However, the unit returns three starters from last year, along with frequent contributors such as Jackson and redshirt junior offensive tackle Clayton Johnston.Both are projected to take on starting roles in the fall.last_img read more