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_the-retirement-gamble-full-documentary-124-frontline.webp "FRONTLINE PBS | Official")
_rep-gaetz-questions-us-paying-for-pensions-in-ukraine-at-hearing.webp "NTD")
_how-does-a-salary-sacrifice-pension-work.webp "A salary sacrifice pension can help boost your retirement pot. We explain what it is and how it works")
_pension-vs-isa-so-many-people-get-this-wrong.webp "MeaningfulMoney")
_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).")
_what-is-pension-drawdown.webp "Morningstar Europe")
_reversal-of-fortune-inside-pensions-and-the-erosion-of-retirement.webp "Real Vision")
_92.webp "A mum-to-be was diagnosed with cancer at five months pregnant - when her extreme morning sickness turned out to be a symptom of the disease. <br/><br/>Caitlin McAlinden, 24, put her cancer symptoms - including a golf ball-sized lump on her neck, nausea and fatigue - down to morning sickness.<br/><br/>But after losing two stone in four months she was referred to a haematology team at Arrowe Park, the Wirral. <br/><br/>They gave her a neck biopsy and diagnosed her with stage one Hodgkin lymphoma in March 2024. <br/><br/>Caitlin is expected to make a full recovery but has to take a steroid injection and a blood-thinning pill every morning. <br/><br/>After her baby boy is born, on May 8, she’ll start a four-week course of chemotherapy. <br/><br/>Caitlin, a primary school teacher, from Wirral, Merseyside, said: “This isn’t the pregnancy I was hoping for - I haven’t felt well this entire time. <br/><br/>“Everything I want to do after my baby is born has to be put on pause due to the chemo. <br/><br/>“My odds are really good - but having my baby will be a good distraction for everything I’m going through.”<br/><br/>Caitlin found out she was pregnant on September 16, 2023 - after feeling nauseous at her birthday dinner the week before. <br/><br/>Her first trimester was “rocky” and she originally believed she had a severe form of morning sickness.<br/><br/>She was vomiting at least once a day and would fall asleep intermittently throughout the day. <br/><br/>But it wasn’t until Christmas Day that she first noticed the pain in her neck and after weighing herself, noticed she’d lost two stone. <br/><br/>She said: “I went back to County Armagh to visit my family for Christmas. <br/><br/>“I remember Christmas Day, falling asleep on the sofa and waking up with a really sore neck. <br/><br/>“I thought I’d just slept funny, but I started massaging my neck.<br/><br/>“That’s when I found a lump, about the size of a pea.”<br/><br/>Caitlin didn’t want to see a GP at first - believing the lump was just another “weird” sign of pregnancy. <br/><br/>But in just a week, her tiredness became worse and the pea-size lump tripled in size.<br/><br/>“I was so, so tired,” she said. <br/><br/>“Walking up the stairs alone would make me need to go for a lie down.<br/><br/>“I felt my neck again one day and the lump had become golf ball-sized.”<br/><br/>Her partner, Connor, 27, a procurement manager, told Caitlin she needed to see a doctor as soon as possible. <br/><br/>She visited her GP on January 2 and was referred for an initial ultrasound on her neck. <br/><br/>They gave her a biopsy on January 16 and the clinician asked Caitlin if she had any family history of Hodgkin lymphoma. <br/><br/>She told them one of her second cousins had gone through it years before and they urgently sent her for more blood tests. <br/><br/>“My doctor’s whole demeanour changed when I said I had a family history of it,” Caitlin said. <br/><br/>“I went for a blood test on the same day.”<br/><br/>Caitlin was diagnosed with stage one Hodgkin lymphoma on March 12, 2024, and instantly started steroid treatment to shrink the mass on her neck.")
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