Plus, 7 Reasons Sleeping Naked Means Sleeping Better
Fatherly
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TRYING TO TIME THE MARKETS IS OFTEN A FOOL’S ERRAND. IF YOU NEED PROOF, JUST
LOOK AT THE ‘90S DOT-COM BUST OR THE 2008 HOUSING CRASH. BUT REACTING TO WHAT
YOU ALL-BUT-KNOW IS GOING TO HAPPEN? THAT’S CALLED BEING SAVVY. IN DECEMBER, THE
FEDERAL RESERVE RELEASED AN ECONOMIC FORECAST INDICATING IT COULD RAISE INTEREST
RATES AS MANY AS THREE TIMES THIS YEAR. AND LET’S FACE IT — THERE’S ONLY ONE
DIRECTION FOR THEM TO GO AT THIS POINT. SO, THE QUESTION TO ASK IS, WHERE IS THE
BEST PLACE TO PUT MY MONEY RIGHT NOW, GIVEN THESE EXPECTED RATE INCREASES AND
THE INFLATION THAT’S ALREADY EATING INTO CASH RESERVES? HERE ARE SOME EXPERT
POINTERS TO KEEP IN MIND.
FINANCES
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WHERE TO PUT YOUR MONEY WHEN INFLATION IS ON THE RISE: 5 EXPERT TIPS
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WITH INFLATION SOARING AND INTEREST RATES LIKELY TO RISE, YOU SHOULDN’T SETTLE
FOR THE SAME OLD RETURNS. HERE ARE THE INVESTMENTS WORTH CONSIDERING.
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READ THE STORY
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TIPS AND TRICKS
WANT TO INSULATE YOURSELF FROM INFLATION? QUESTION YOUR CASH
IF YOUR MONEY IS SITTING IN A BANK ACCOUNT PAYING ZERO INTEREST, OR CLOSE TO IT,
YOU’RE NOT REALLY TREADING WATER. WHEN CONSUMER PRICES ARE RISING AT A 6.8%
ANNUALIZED RATE, AS THEY ARE NOW, YOUR BANK BALANCE IS EFFECTIVELY LOSING ABOUT
6.8% OF ITS VALUE A YEAR.
AS BRENT WEISS, CO-FOUNDER OF THE VIRTUAL FINANCIAL PLANNING FIRM FACET WEALTH
SUCCINCTLY PUTS IT: “CASH IS A SCARY PLACE TO BE RIGHT NOW.” EVEN WHEN THE FED
RAISES RATES, IT USUALLY DOES SO SLOWLY. IN THE MEANTIME, WEISS SAYS YOU MAY
WANT TO RETHINK HOW MUCH MONEY YOU’RE LEAVING IN A BANK ACCOUNT THAT’S LOSING
THE FOOTRACE WITH INFLATION. FOR YOUNGER PARENTS IN PARTICULAR, ANYTHING BEYOND
WHAT YOU NEED FOR EMERGENCIES OR NEAR-TERM PURCHASES — THE DOWN PAYMENT ON A
HOME, FOR INSTANCE — IS PROBABLY BETTER TO INVEST.
FOR SOMEONE WHO’S BEEN IN THEIR JOB FOR A LONG TIME, WEISS SAYS YOU PROBABLY
ONLY NEED ENOUGH IN YOUR BANK ACCOUNT TO COVER THREE TO SIX MONTHS OF EXPENSES.
THOSE IN MORE VOLATILE CAREERS OR STARTING THEIR OWN BUSINESS MIGHT WANT TO
INCREASE THAT A BIT, SETTING ASIDE SIX TO NINE MONTHS’ WORTH. BUT MONEY THAT YOU
KNOW YOU WON’T NEED FOR FIVE TO 10 YEARS CAN BE PUT TO MORE PRODUCTIVE USE.
“IF YOU HAVE EXCESS CASH, YOU HAVE TO ASK YOURSELF WHY,” SAYS WEISS. YOU MAY
WANT TO EXPOSE THAT EXTRA MONEY TO RISK IF IT MEANS COUNTERING INFLATION, HE
SAYS.
HERE ARE SOME MORE IMPORTANT TIPS ON HOW TO GET AHEAD OF RISING INTEREST RATES.
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FURTHER READING
* HOW MUCH MONEY SHOULD YOU KEEP IN YOUR CHECKING ACCOUNT AT ONE TIME?
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* THE MOST COMMON FINANCIAL REGRETS PARENTS HAVE — AND HOW TO AVOID THEM
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* HOW TO TALK TO YOUR FAMILY ABOUT MONEY IF YOU NOW HAVE LESS OF IT
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SELF
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HOW TO STOP OVERTHINKING: 5 STRATEGIES TO CALM YOUR MIND
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WRESTLING WITH THE SAME DECISIONS AGAIN AND AGAIN CAN TRAP YOU IN YOUR HEAD.
HERE'S HOW THERAPISTS RECOMMEND ESCAPING.
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HEALTH AND SCIENCE
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7 REASONS WHY SLEEPING NAKED MEANS SLEEPING BETTER
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AND ONE REASON WHY IT’S ACTUALLY GROSS.
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READ THE STORY
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TIPS AND TRICKS
LOWER THE THERMOSTAT, FALL ASLEEP FASTER.
WHEN YOU’RE TUCKING INTO BED, WARM AND COZY MAY SOUNDS IDEAL. BUT 79% OF PEOPLE
SAY COOLER TEMPS ARE WHERE IT’S AT FOR BETTER SLEEP, ACCORDING TO A SURVEY
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BY THE NATIONAL SLEEP FOUNDATION. SO WHERE SHOULD YOU SET YOUR DIGITAL DIAL?
EXPERTS RECOMMEND BETWEEN 60 AND 67 DEGREES FAHRENHEIT (ABOUT 10 DEGREES COLDER
THAN MOST HOMES ARE SET). THE REASONING? YOUR BODY TEMPERATURE NATURALLY DIPS A
FEW DEGREES AT NIGHT TO SLOW YOU DOWN FOR SLEEP; A COOLER ROOM MAY TRIGGER THE
SAME GET-READY-FOR-BED SIGNALS IN YOUR BRAIN.
HERE ARE 13 MORE TIPS TO HELP YOU CONK OUT FASTER AT NIGHT.
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STYLE
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THE BEST WINTER PARKAS TO WEAR ON SERIOUSLY COLD DAYS
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WATERPROOF, INSULATING AS HELL, AND PACKED WITH THOUGHTFUL TOUCHES, THESE PARKAS
ARE A WORTHY INVESTMENT
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READ THE STORY
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