The 30-Day Savings Rule, Holiday Tricks, and Big Housing Holes

5 surprising ways to save more money                                                                                                                                                                                                                                                                                                                                                                                                                 November 30, 2023 | [Read Online]( Good morning. It's Thursday, Nov. 30, and we're covering the 30-day savings rule, Apple cutting ties, housing markets’ big hole, and much more. First time reading? [Sign up here](. Stock Market Update Market Performance: November 30, 2023. U.S. stock futures ticked higher on Wednesday night as all three major stock indexes prepared to wrap a winning November. Futures tied to the Dow Jones Industrial Average rose by 87 points, or 0.25%. S&P 500 and Nasdaq 100 futures climbed 0.07% and 0.16%, respectively. The biggest gainers in Wednesday’s extended trading session included Salesforce and Snowflake , rising on the back of better-than-expected earnings. Salesforce jumped 8%, while Snowflake added more than 7%. Big Lots , Express and Kroger are set to report earnings Thursday before the bell. [Traders will also watch out for]( October’s reading for personal consumption expenditures, a key inflation gauge for the Federal Reserve. Weekly jobless claims are also due. Financial Maverick Insights 30-day savings rule: Here’s how it helps to control impulse spending A simple yet effective strategy, the 30-day savings rule is something anyone can implement in their financial routine to help curb impulsive spending. The rule, which encourages people to pause and reflect on nonessential purchases for a month before making them, can lead to substantial savings growth. It’s especially salient at a time when 57 percent of Americans are uncomfortable with their level of emergency savings. [The premise of the 30-day savings rule is straightforward:](When faced with the temptation of an impulse purchase, wait 30 days before committing to the buy. During this time, take the opportunity to evaluate the necessity and impact of the purchase on your overall financial goals. Some questions you can ask yourself during the month-long interval before making a decision on the purchase are: Is the item/service a need or a want? Can I afford it without sacrificing other financial goals? Have I researched better deals and alternatives? Can I allocate the money to a higher priority? Apple wants to cut ties with Goldman Sachs — here's what this means if you have an Apple Savings Account Apple is looking to end its credit card and savings account partnership with Goldman Sachs. The tech company has sent a proposal to Goldman Sachs, asking to end its contract in the next 12 to 15 months, reports the Wall Street Journal. If Apple and Goldman Sachs part ways, Apple would need to partner with a new financial institution to continue to offer the Apple Savings Account. [Apple isn't a bank, and only official banks can get]( FDIC insurance. FDIC insurance is important because it protects up to $250,000 per depositor, per ownership category in a bank account. If a bank fails, the FDIC will move your insured deposits into a new account with an insured bank or send you the money. It's uncertain whether Apple already has a new banking partner lined up. If it can't find a replacement, there's a possibility Apple could discontinue the Apple Savings Account. Real Estate News US housing market has 'big hole' to dig out of, Realtor.com chief economist says Realtor.com chief economist Danielle Hale discussed the housing inventory shortage as homebuyers continue to juggle steep housing prices and mortgages. Forced sales ahead for indebted global real estate markets -M&G M&G Real Estate forecasts it is "a matter of time" before global property markets face greater volumes of forced selling. The resilience of Philly’s real estate market is ‘impressive.’ Test your knowledge of consumer trends in the industry. The National Association of Realtors’ annual report details who’s buying and selling homes and how they’re going about it. Personal Finance Tips 3 Tricks to Saving Money on Amazon During the Holidays Have your fair share of holiday shopping to do? Read on for ways to spend less on Amazon. 5 surprising ways to save more money, according to the experts To save more money, consider planning food costs in advance and comparing providers for things like insurance. 5 Side hustle ideas to earn money for extroverts | The Times of India For extroverts seeking side hustles, countless opportunities exist. Alternative Investing Charlie Munger's Best One-Liners on Stocks, the Fed, and AI Charlie Munger, who died Tuesday, was as well-known for his signature wit as he was for his investing success. The "Oracle of Pasadena" still had a sense of humor well into his late 90s. Jack Dorsey wants to decentralize Bitcoin mining with new investment Ocean, which raised $6.2 million in a funding round led by Jack Dorsey, plans to enable miners to get block rewards directly from Bitcoin. Returning SpaceX Rockets Are Creating Bright 'Holes' in the Sky In mid-July, viewers hoping to catch a glimpse of a SpaceX rocket launch were stunned to see it followed by a bright aurora-like phenomenon over Arizona. The rocket had formed a hole in the upper atmosphere, evinced by a red glow captured by photographers on the ground. Do you pay off your credit card each month? 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