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Added on the 08/10/2020 18:12:56 - Copyright : Wochit
If you've managed to get your bachelor's degree, congratulations! And if you're thinking about grad school, get your piggy bank out and start saving. According to Business Insider, getting a master's degree or Ph.D. in your chosen field can be a smart career move, but it can also be a financial time bomb. If you want to go to grad school five years from now, start saving. First, research schools, tuition, and determine your monthly and annual living expenses. Research any benefits your company may offer for free or subsidized tuition, and look into state programs and scholarships. Still paying on student loans from your undergrad degree? Refinance them now, when rates are low. Finally, if you have five years to save, consider using a 529 plan. If you want to start sooner, a high-yield savings account may be better.
The average homeowner spends anywhere from 1% to 4% of their home's purchase price on maintenance every year. That can make home warranties appealing. But a home warranty's fine print can translate into it not always coming through when you need it to. So when Business Insider contributor Choncé Maddox got burned by her home warranty company skating out of some pricey repairs, she turned the tables. Instead of paying for another warranty, she put the same $500 she would have spent on it into a high-yield savings account for home maintenance. If a new air conditioner costs $2,000 to $3,000, she can come up with the money a lot quicker without paying for a warranty! Also, she and her husband took it upon themselves to learn how to take care of the valuable systems in their home. Hooray for YouTube!
Business Insider contributor Kevin Panitch has a high-deductible health plan, and uses a health savings account, or HSA, to pay for medical costs. However, he was unaware for some time that the humble HSA is actually a hat trick of tax advantages. That's because the IRS allows the money in HSAs to be invested, and it grows tax-free. You can make tax-free contributions, and you can also make tax-free withdrawals to cover qualified medical expenses. If you use the funds after age 65 for non-medical expenses, you just pay normal taxes on the money. The account essentially becomes a second 401(k). Panitch wasn't alone in thinking that he could only 'save' the money in his HSA. In fact, only about 4% of people with these accounts invest the money!
Police and military block the street in front of the Pietermaritzburg High Court in KwaZulu-Natal, South Africa. The long-running corruption trial of South Africa's jailed ex-president Jacob Zuma is due to resume virtually, despite deadly violence that swept the nation after his imprisonment for contempt of court. IMAGES
Jordan Nabigon is the CEO of the content curation site Shared. He was a big Facebook customer, spending nearly $46 million in ads on the site. That is, until the platform booted him without warning or explanation. According to Business Insider, Facebook says Shared violated the site's terms and conditions. However, it wouldn't explain what the violations were. Nabigon says several of Shared's pages have been unpublished since October 26, taking 21 million of the company's followers with them. He added that Facebook gave him no warning that they could or would unpublish his pages, and that Facebook told him the decision was final. Business Insider reports Facebook has also locked Nabigon out of his personal account.
U.S. President Barack Obama attends an outdoor arrival ceremony in heavy rain, as the first sitting U.S. president to visit Laos. Rough Cut (no reporter narration).
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