40 Money Habits That Can Leave You Broke

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Big or small, some financial habits can zap a solid financial plan and leave smart savers with empty wallets. To avoid buyer’s remorse and similar guilt about neglecting your finances, you need to know what habits might be costing you extra.

In the list of things to waste money on, smartphone apps are a big one. Those $1.99 purchases seem inexpensive enough, but they can snowball — especially if you have kids who are adding to the overall purchase price or frequency.

Consider free app downloads exclusively or cap yourself and your family with a monthly app budget.

People with top-tier credit ratings qualify for the lowest finance rates when car or home shopping. Over a 30-year term, a quarter of a percentage point can add up to thousands of dollars.

Check your credit history regularly and clean up any problems as soon as they arise.

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Thousands of Baltimore teens to start summer jobs Monday in YouthWorks program upended by coronavirus pandemic

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When Kalen Jones worked as a patient advocate last summer, his job was what you’d expect: visit with sick and injured people, ask about their experiences and witness the hustle and bustle of a hospital from behind the scenes.

The 16-year-old will report Monday for another summer’s duty, one of 4,500 teens in Baltimore’s YouthWorks program. But this year, he and the other young people will navigate the unpredictable terrain of work life in the coronavirus era.

Kalen, a rising junior at Baltimore Polytechnic Institute, said he does not know what to expect when he boots up his computer for his first remote shift at the University of Maryland Medical Center’s Midtown Campus.

“It has been a little complicated. But it is still a great opportunity I can take to prepare myself for the future,” said Kalen, who is thinking about a career as a surgeon.

While many cities, including

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Exercises To Start Your Fitness Journey

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(Photo: Getty Images/HuffPost)
(Photo: Getty Images/HuffPost)

The notion of “getting into fitness” can be incredibly daunting. Perhaps you’ve never found a workout style that’s the right fit, or maybe you’ve had a difficult relationship with exercise in the past. And between gyms, personal trainers, yoga studios and the plethora of at-home workouts available, the options can easily become overwhelming for someone who normally doesn’t have a routine.

Fortunately, there are steps you can take to launch your personal fitness journey. It begins with challenging some of the societal norms surrounding exercise — like prioritizing how your body feels above all else.

I find that even programs and classes labeled ‘beginner’ are still catered towards thin, able-bodied folks,” said Jessi Haggerty, a Massachusetts-based personal trainer, registered dietician and certified intuitive eating counselor. She stressed the importance of body positivity within workouts, adding: “I recommend looking for fitness programs and instructors

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Online school? In-person? How parents are making their own fall 2020 decisions as COVID-19 squabbles continue

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As officials play political football with K-12 school re-openings, parents such as Johanne Davis are formulating their own game plans for the fall.

“To exercise an abundance of caution, I’d like to keep my kids home with me where they’ll study online,” says Davis, a mother of three from Indian Land, South Carolina, one of countless states where COVID-19 cases have spiked in recent weeks.

“Health is the issue, not just for my children, but also school workers,” says Davis. “Teachers shouldn’t have to be frontline soldiers in this pandemic.”

Families across the nation are busy making their own calculations about whether to send children back to school. While Davis seems resolved, many parents are still mulling.

Johanne Davis, left, in a photo with her three children. Davis and her husband say they're both fortunate enough to work from home and can manage the children if they have to spend a lot of next year studying remotely. But she acknowledges that hers is a privileged position not afforded to lower-income parents grappling with child care in order to go off to work.
Johanne Davis, left, in a photo with her three children. Davis and her husband say they’re both fortunate enough to work from home and can manage the children if they have to spend
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Olympics must go ahead next year as symbol of overcoming COVID-19, Tokyo governor says

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By Linda Sieg and Ami Miyazaki

TOKYO (Reuters) – Tokyo Governor Yuriko Koike, often floated as a future Japanese premier, said on Monday the Olympics must go ahead next year as a symbol of world unity in overcoming the novel coronavirus, even as her city grapples with stubborn spikes in cases.

Japan has not seen an explosive coronavirus outbreak as suffered in some other places but a recent increase in cases in Tokyo, which accounts for more than a third of its more than 20,000 total, has fanned worries about a second wave of infections.

The 2020 Olympics were scheduled to start this month but were postponed because of the coronavirus. Koike has pledged to win public support for the Games, although a media survey showed a majority think they should be cancelled or postponed again.

“I want to host them as a symbol of the world coming together to

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Will Arielle Charnas’ Something Navy Be a ‘Catalyst for Change?’

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Click here to read the full article.

Arielle Charnas is bringing her much-talked-about brand to market. Will it find its footing in a time of great uncertainty?

In March, when the world began to buckle under the threat of the coronavirus pandemic, Charnas shared a series of Instagrams showing her taking a COVID-19 test. She had secured the test through personal connections at a time when New York was limiting them to those exhibiting specific baseline symptoms Charnas did not seem to meet.

Brandon, Charnas’ husband, filmed his influencer wife as a nurse reached through the car window to swab the inside of Charnas’ nose. The influencer later revealed that her test had come back positive: She had contracted the virus that has claimed more than 550,000 people worldwide.

Shirking shelter-in-place mandates for those who had the virus, Charnas left New York City to self-isolate among the Hamptons elite. If

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The 7 worst ways Americans are using their tax refunds

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Because of COVID-19, this year’s tax deadline got delayed three months to July 15. But even with the extra time, it appears many people are still waiting until the last minute to file — including many taxpayers who will be receiving refunds.

The IRS says that as of July 3, it processed 95 million refunds, down from 105 million by the same time last year.

The tax agency says Americans are getting back an average $2,762 this year, slightly more than during the 2019 tax season.

With the economy struggling and unemployment still high, managing a refund wisely is more important than ever. But many Americans aren’t making the best use of their windfalls.

See the seven worst ways people are using their tax refunds.

1. Letting it rot in checking accounts

Prapan manuchon / Shutterstock

Setting a tax refund aside in an emergency fund is smart. Many financial

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Do children spread coronavirus? What doctors say about going back to school

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President Donald Trump is pressing state and local officials to reopen schools this fall, despite coronavirus infections surging nationwide. While experts say there are significant social benefits to resuming in-person classes, they caution that schools will need to balance those against potential risks to provide a safe learning environment for students — as well as teachers and administrators.

Evidence suggests that children are not as susceptible as adults to COVID-19, the disease caused by the coronavirus. Even among those who have been infected, it’s relatively rare for children to develop serious complications or require hospitalization.

But this doesn’t mean classrooms can be exempt from social distancing and other safety precautions, particularly if schools intend to welcome kids back on site in less than two months.

“It really shouldn’t be a debate of getting kids back to school, but getting kids back to school safely,” said Dr. Jennifer Lighter, a pediatric

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Carnival cruise lines plan ‘staggered’ comeback, won’t return to full capacity until 2022

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Cruise giant Carnival plans a phased-in approach for its return to sailing, beginning with fewer ships and fewer passengers, on a region-by-region basis. The company will not make a full return in terms of passenger capacity until 2022 at the earliest, according to CEO Arnold Donald.

 “[The] nature of restart is going to be almost country by country and destination by destination,” Donald said on an earnings call Friday, four months after the company paused operations because of the coronavirus. 

Carnival’s restart will mimic international reopenings.

The resumption of shoreside social gathering practices will be the “critical thing” as an indicator for the resumption of cruising. Donald pointed to Germany, where Carnival subsidiary AIDA Cruises will resume sailing three of its ships in August after the country began to reopen in the spring.  Italy, he suggested, might be next. 

AIDA’s three scheduled cruises will not make port calls in Europe 

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How Ocado went from understated British grocer to an $18.4 billion tech giant, as the coronavirus pandemic confirms the future of grocery shopping is online

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"Bots" are seen on the grid (or "The Hive") of Ocado's "smart platform" in Andover, Britain, on May 1, 2018.
“Bots” are seen on the grid (or “The Hive”) of Ocado’s “smart platform” in Andover, Britain, on May 1, 2018.

REUTERS/Peter Nicholls

  • As grocery stores worldwide experienced stockpiling, long lines, and health worries amid the coronavirus pandemic, millions of people turned to shopping online.

  • It has been a goldrush for the British company Ocado, an online-only grocery marketplace that also operates technology for supermarket giants worldwide.

  • Ocado was the best performing stock on the FTSE 100 in the second quarter of 2020, and, in May, Ocado raised over $1 billion to grow its services.

  • It is now betting big on its US expansion, hoping to convert Americans to grocery shopping online.

  • Huge challenges remain, though. Many Americans are still reluctant to buy food they can’t see in person, and some fear the current online pandemic-driven boom could prove a one-off.

  • Visit Business Insider’s homepage for more stories.

The coronavirus pandemic

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