The people's voice of reason
The people's voice of reason
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After years of steep premium increases, up over 50% since 2021, industry experts predict that the market is poised for stabilization in 2025. This relief comes at a crucial time. Jerry surveyed 1,000 American drivers across all age groups and regions of the country in its 2025 State of the American Driver Report to find out how people are impacted by the current era of higher-cost car ownership. Results reveal that high insurance costs alone have pushed 32% of drivers to cut back on family...
Los Angeles is at the center of a beverage revolution, where craft mocktails command the same reverence as their alcoholic counterparts. With alcohol consumption dropping 10% among young adults, the city's bars and restaurants are crafting sophisticated nonalcoholic drinks that appeal to both dedicated abstainers and the "sober curious" alike, LA Post reports. A new era of drinking is being ushered in by the city's varied culinary scene and the rising desire for alcohol-free and...
When you start a small business, there's one thing you need more than anything else: money. However, getting money to fund a business has been challenging for women, particularly women of color. While women continue to make strides in raising more venture capital, they still only garnered just 2% of the total capital invested in venture-backed startups in the U.S. To source money for their new businesses, women need to look at multiple funding avenues. As NEXT points out, one opportunity is smal...
While deployed in Kosovo in May 2024, U.S. Army Reserve physical therapy assistant Elvia Azuara saw many stray cats running around one of the bases—including a sweet little black and white female kitty, known mostly as Fent. Azuara noticed her one day during lunch and she fed fries to Fent. Soon, this became a regular bonding activity for them. "I guess she knew my routine," Azuara said in an interview with Stacker. "Whenever I was there, she would just pop up out of nowhere and she would w...
As Southern California still reels from January's catastrophic wildfires, the economic damage has surged to $250 billion, far exceeding initial estimates. But that figure doesn't account for damage incurred by residents whose homes and businesses were reduced to rubble and ash. The Palisades and Eaton fires alone will result in up to $45 billion in insurance payouts to homeowners and businesses, according to data analytics firm CoreLogic. Of course, that only applies to residents who had...
Ozempic (semaglutide) is a prescription medication that's approved by the US Food and Drug Administration (FDA) for both managing blood sugar in adults with type 2 diabetes and for reducing the risk of cardiovascular events in adults with type 2 diabetes and cardiovascular disease. If you've been taking Ozempic, you're probably familiar with its side effects. You may be experiencing some "fun" gastrointestinal upset, including nausea and vomiting, as your body gets used to the medication. The go...
When a California doctor asked state Assemblymember Rebecca Bauer-Kahan to sign a form allowing AI to transcribe her child's medical visit, she refused. Her concern? Intimate medical conversations are being shared with for-profit tech companies, according to an October 2024 Associated Press investigation. Her hesitation reflects a growing tension across industries as artificial intelligence transforms business operations. While AI adoption has nearly doubled in the past year, with 65% of...
From eco-friendly practices to functional foods, the U.S. food and beverage industry is feeding customers' hungry demands for wellness, convenience, and flavor. And for entrepreneurs, these changes are a buffet of opportunities to create new businesses in food, drink, restaurants, snacks and services. NEXT research has found that the fastest-growing restaurants, food, and beverage businesses for 2025 include: 1. "Functional Foods" and Personalized Nutrition Products like gut-healthy kombucha,...
Federal EV tax credits in 2024 top out at $7,500 if you're buying a new car and $4,000 if you're buying a used car, while the bank or the automaker's finance company can take a $7,500 tax credit for EV leases, but may discount your lease accordingly. If you want to skip the fine print, click here to jump straight to the full list of cars that qualify for an EV tax credit. Otherwise, Edmunds takes a quick look at the key rules for each scenario—buying new, buying used, and leasing—and then dig...
For homebuyers who are still on the fence about buying, renting the American dream for the time being could be the next best thing. As home prices continue to increase, down payment amounts remain discouraging and high mortgage rates keep many on the sidelines, the build-to-rent, or BTR, sector offers renters not just options, but peace of mind. The flexibility of renting, coupled with extra perks such as community amenities and covered maintenance, make single-family homes in build-to-rent...
Creating a unique business name is one of the most exciting parts of starting a new business. This name is a key feature of your brand, and it's smart to protect it with a registered trademark. A trademark could be a word, phrase, tagline, or logo associated with your product or service. Getting a trademark gives you exclusive rights to identify your product or service with that name or tagline, informs everyone that you own that trademark, and legally bars others from using it or piggybacking o...
What 0% APR means is that you can make purchases and pay no interest for a period of nine, 12, or even 15 months after opening a business credit card. This means you don't need to pay the balance in full every month to avoid interest during this time. In this guide, Ramp covers how to choose the right 0% APR business credit card for you, plus tips for increasing your chances of qualifying for these card offers. How Does APR Work on a Business Credit Card? Small business credit cards t...
The mighty dollar is flexing its muscle in 2025. It's trading for more yen, yuan, and pounds than in the past two years. Its value compared to foreign currencies may seem esoteric, but it matters to consumers' wallets right now. A strong dollar touches everything—the morning coffee run, that shiny new iPhone, and whether or not companies are considering layoffs. America's economy continues to outperform its rivals, and the Fed isn't rushing to slash interest rates. That has pushed the dollar t...
To celebrate National Sauce Month this March, Instacart takes an in-depth look at the most popular pasta sauces across the nation, by city and state, according to its proprietary data. Whether you prefer a fresh pesto or tangy marinara, it's clear this is a nation that loves to get saucy. Through a delicious data deep dive, take a look at the sauces most frequently landing in consumer carts and the ones that might be left on the shelf. Most Popular Pasta Sauces: Which Reigns Supreme? Topping...
Women face unique challenges when it comes to financial planning. They still face a gender pay gap, and they tend to save and invest at lower rates compared to men. For these reasons and more, women are far more likely than men to feel stress surrounding financial planning. But taking charge of your finances can help you make the most of your money—and it may alleviate some of the stress that comes with financial uncertainty. Among the 9 in 10 women who reported feeling financially stressed i...
Every new administration brings changes to the national economic landscape, and no one feels these changes more acutely than small businesses. In 2025's rapidly shifting economy, it's smart for entrepreneurs to be prepared so they can take advantage of favorable conditions—and avoid bad ones, as recent changes to business law may increase legal risks and create a more competitive business environment, LegalZoom notes. Forming an LLC in 2025 shields your house, car, and other personal assets agai...
For older Black people in America, the golden years often come with a harsh reality: They are more likely to suffer from chronic illnesses, be sicker in old age, and die younger than their white counterparts. In 2018, Black Americans' average life expectancy was 74.7 years, four years less than the overall average of 78.7. However, a drop in life expectancy during the COVID-19 pandemic further exacerbated racial disparities among mortality rates: Black people were expected to live 70.8 years,...
The internet wasn't built with accessibility (i.e., everyone) in mind. In its early days, it was chaotic—blinking text, auto-playing music, and little navigation. While web design and user experiences have evolved, accessibility remains an afterthought for many businesses. Even today, millions of people encounter daily barriers online: a checkout button they can't reach, a form they can't complete, a video they can't hear. Beyond creating usable experiences for all users, digital a...
It's been 48 years since Kip Padgelek and his dad launched their custom deer processing business. After a career revolving around all things meat, including an education at the Culinary Institute of America, Padgelek, now almost 70, has no plans to retire, The Daily Yonder reports. That's good news for the many customers of his business, which is located in a suburb west of Pittsburgh (his shop's specialty is a Philly cheesesteak brat). But it's even better news for those who rely on the 40,000...
In order to reproduce, most flowering plants rely on animals to move their pollen. In turn, pollinators rely on flowers for food, including both nectar and pollen. If you're a gardener, you might want to support this partnership by planting flowers. But if you live in an area without a lot of green space, you might wonder whether it's worth the effort. Writing for The Conversation, Laura Russo, a University of Tennessee assistant professor who studies bees and other pollinators, shares her new...
In a world seemingly hell-bent on promoting electric vehicles in the name of modernization and efficiency, one automotive technology looms in the background, somewhere between moderately efficient gasoline-powered vehicles and hyper-efficient contemporary electrics. Diesel technology has long been a topic of debate by green energy leaders. Although the engine's operation produces more visible pollutants (carbon primarily), it offers far greater efficiency than most conventional gasoline...
In an uncertain economy fueled by high interest rates, annuities are more popular than ever. Last year, annuity sales soared to a record-high $385.4 billion in the U.S., a whopping 23% increase over the year before. However, roughly four out of five American adults (79%) still struggle to identify the correct definition of an annuity, according to the 2024 Policygenius Annuities Literacy Survey. Key findings: - Only 19% of American adults are able to identify the correct definition of an...
Is there ever a right time to start a family? Becoming a parent these days, writes Rachel Wiseman in the recent book "What Are Children For?", can seem "less like a transition and more like throwing yourself off a cliff." It is clear that people are waiting longer to hurl themselves into the abyss: Since the 1990s, the birth rate for women in their late 30s and early 40s has steadily increased, while declining for women in their teens and 20s. In an era that combines reliable contraception with...
Baseball may be as American as apple pie, but football is our national pastime. It's the United States' favorite spectator sport—41% of Americans love it, compared to 10% who prefer second-ranked baseball, per a 2024 Gallup poll. The NFL is a hit with TV audiences. The 2024 regular season set all-time ratings highs in Week 1 with 21 million viewers per game. On Thanksgiving Day, the league set another record for the third year in a row with an average of 34.2 million viewers. Viewership for t...
Halfway through director Doug Liman's 1996 buddy comedy "Swingers," Mike (Jon Favreau) meets Nikki (Brooke Langton) while ordering a drink at a local dance bar. Fresh out of a six-year relationship, he makes awkward small talk with her, procures her number, and calls her later that night. When he gets Nikki's answering machine, it takes him a few tries to ask her out and leave his number. Soon, his intrusive, self-conscious thoughts sabotage his courtship. He redials numerous times and leaves...
