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Use one of these to make your room darker to ensure a good night’s rest.

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It’s Day 6 of Sleep Week! Follow Reviewed experts’ smart picks on how to get better rest.

Do you find yourself tossing and turning as you try to fall asleep because of the glow of streetlights peeking through your curtains, or from the intermittent glare of car headlights outside your window? Does the morning sunlight wake you before your alarm? You’re not alone: Light can be a serious sleep disrupter. But don’t fret: Try these ways to make your space darker to ensure a good night’s rest.

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How does light affect your sleep?

Light plays a critical role in human sleep cycles. Some aspects of the part it plays are good: Getting adequate sunlight in your system when you wake up can help energize you for the day ahead. The CDC recommends sitting in a brightly lit area if you struggle with waking up early.

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But ambient light at night can throw off your circadian rhythm, keeping you awake past your bedtime. You should try and dim your lights for two hours before you want to sleep, according to the CDC. Similarly, you should keep them dim if you have to get up in the night for a glass of water, or to use the bathroom. If your lights don’t have a dimmer switch, the CDC suggests wearing sunglasses.

But sleeping in sunglasses is far from the ideal situation. What else could you do?

Consider a curtain upgrade

One solution is buying blackout curtains, which are extra thick and block out virtually all outside light. In addition to helping you sleep more peacefully at night, blackout curtains are perfect for daytime naps. The thickness of the material can even improve the insulation of your windows. You can purchase affordable blackout curtains at a number of retailers, including Bed Bath & Beyond and Home Depot.

Story continues

Invest in a sleep mask

Another surefire way to block light is by wearing a sleep mask. This is a great option if you travel a lot or if you share your room with someone who likes to wake up to natural light in the morning. You can choose two main types of sleep masks: standard ones that lie flat across your face and contoured ones that leave a pocket over each of your eyes to alleviate pressure on your eyeballs.

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Whichever style you prefer, you got plenty of options. Here at Reviewed, we particularly like Alaska Bear’s silk sleep mask. It’s comfortable, adjustable and reasonably priced. If you want a contoured mask that is extremely light tight, consider MZOO’s cupped eye mask. It is made of comfortable foam that blocks out light without putting too much pressure on your skin.

Want more tips on catching better zzz’s? Check out the rest of our Sleep Week coverage.

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Prices were accurate at the time this article was published but may change over time.

This article originally appeared on Reviewed: Sleep Week 2022: How to make your room darker

The crisis in Ukraine, the Fed battling our inflationary environment … . These ongoing emotional market headlines provide plenty of “reasons” for increased market volatility over the past few months.And when it feels like our world is spinning out of control, it’s tempting to panic, especially when it comes to our finances. After all, human beings are naturally averse to loss, and the pain of losing is more powerful than the potential to achieve gains.

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The challenge: When we make emotional decisions and act irrationally in an attempt to avoid loss, we can lose even more. Just ask any investor who has sold stock when the market dropped and missed the recovery, only buying back in when the markets were high again.What’s the solution? We know we need to invest to grow our money into a nest egg that will sustain us in the future, but how do you see that you don’t take on too much risk in the process?What is risk?In the financial world, risk tolerance is defined as a measure of one’s financial ability to withstand permanent losses. While you can’t completely eliminate risk in your portfolio, you can see the amount of risk you take correlates with the level of potential reward for you to gain.It is more than possible to match your investments to your goals while still being able to sleep at night during market downturns.Here’s the thing we need to remember when we’re tempted to get out of the market ASAP: Some risks are avoidable, some are not.Avoidable risks are those that occur when your portfolio leans too heavily on stocks or bonds that have been unstable in the past or when your holdings are not diversified appropriately.For example, you may be putting too much of your company’s stock in your 401(k) plan. Or you may have an overabundance of overlapping U.S. stock mutual funds instead of being more globally diversified.Avoidable risks often occur when we underestimate risk and believe we can tolerate more than we actually can.On the other hand, unavoidable risks are those that occur because our world is ever-changing and volatile, and we can’t predict everything. As much as we wish they weren’t, unavoidable risks are simply out of our control. This type of risk includes unfortunate events such as geopolitical issues and pandemics.The third category of risk is often unseen, but it can impact your portfolio just as intensely as an obvious risk — the risk of being too conservative and not achieving your future goals as a result.By overestimating risk and trying to avoid loss at any cost, you could be unintentionally sacrificing your future dreams.What do I do about risk?Unfortunately, it’s not as simple as telling your adviser you feel comfortable with “moderate” risk. Everyone has their own risk tolerance level, based on their age, life circumstances and time horizon.

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It’s important to run through various scenarios with different risk levels to get an idea of how much loss you are comfortable with. If you start to panic and cringe, then you know you have hit or passed your limit.Both positive and negative emotions frequently cause investors to make unwise decisions. If you’re excited about the upward swing of the market, you might throw caution to the wind and invest more money than you normally would.On the flip side, fear might drive you to react and sell if you start losing money.A prudent method to identify your risk tolerance and how it may affect your financial future is using an interactive planning tool. This will allow you to create a plan that identifies your fears, goals and expectations and is able to run a variety of “Stress Test” scenarios.This will provide you with a score/grade that illustrates the future impact of specific decisions you make today.Other factors such as “What are you afraid of?,” future health care costs, low returns, inflation — along with any possible changes in income — can be quantified and will provide information for your strategies.By creating an interactive plan that measures your risk tolerance, you can simulate situations that cause emotional responses so you are prepared when they happen in real time.It’s a safeguard that will help keep you focused on the long term and trust in your strategy.

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This article is provided by Pete Alepra, a financial adviser at RBC Wealth Management in Cedar Rapids; [email protected]. The opinions in this article are for general information only and are not intended to provide specific advice or recommendations for any individual.RBC Wealth Management is a division of RBC Capital Markets, a member NYSE, FINRA and SIPC. RBC Wealth Management does not provide tax or legal advice. All decisions regarding the tax or legal implications of your investments should be made in consultation with your independent tax or legal adviser.

At-home fitness equipment is any apparatus or machine utilized for physical activity by the customer at the comfort of their home in order to improve their muscular strength to remain fit and assistance them in managing their body weight.

According to the report analysis, ‘At-Home Fitness Equipment Market: Current Analysis and Forecast (2021–2027)’ states that with the effective growth in number of working professionals and the problems faced by some fitness enthusiasts owing to their busy schedules and long working hours, many of the customers are actively implementing home workout routines which in turn is influencing the market growth. Also, the augmenting trends of home workouts are delivering a boost to home workout equipment sales as more customers are spending on these products.

The worldwide requirement for home equipment is escalating owing to the growth in the global burden of individuals suffering from chronic diseases comprising cancer, heart diseases, and diabetes that has inclined individuals to adopt a healthy lifestyle which will propel the global market of at-home fitness equipment.

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Furthermore, exercise equipment is obtaining huge popularity among fitness enthusiasts due to the augmenting trend of bodybuilding which in turn is boosting the market growth. However, some of the limitation in the market include the several alternatives prevalent for home workouts. Furthermore, the installation and demand of other services have caused an augment in cost for set up and service charges of at-home fitness equipment which in turn is impeding the growth of the market.

Some of the foremost players working in the market include Icon Health & Fitness Inc., Core Health & Fitness LLC, Johnson Health Tech Co. Ltd., Decathlon, Technogym SpA, Nautilus Inc., Echelon Fitness Multimedia LLC, TRUE Fitness, Dyaco International Inc., Rogue Fitness, etc. Several M&A’s along with partnerships have been undertaken by such players to improve new and advanced featured fitness equipment. These players in At-home Fitness Equipment market are working more actively for obtaining the competitive edge, leading the highest market growth, registering the great value of market share, keep maintaining the governing position and generating the highest percentage of revenue by improving the qualitative and quantitative measures of such, spreading the awareness connected to the applications and advantages of At-home Fitness Equipment, implementing the policies of profit making and strategies of expansion, implementing the policies of profit making and strategies of expansion, increasing the features and benefits of at-home fitness equipment, and establishing the several research and development programs.

For a better understanding of the market implementation of at-home fitness equipment, the market is analyzed based on its worldwide existence in the countries such as North America (United States, Canada, and Rest of North America), Europe (Germany, France, Italy, Spain, United Kingdom and Rest of Europe), Asia-Pacific (China, Japan, India, Australia and Rest of Asia-Pacific), and Rest of World. North America constitutes a foremost market for the at-home fitness equipment industry and produced revenue of USD XX billion in 2020 due to growing preventive healthcare measures many customers are engaging in regular workout regimes to remain fit. However, Asia-Pacific is also projected to augment at a proficient CAGR during the reviewed timeframe.

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Ankur Gupta, Head Marketing & Communications

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91–9015378249

Convertible bonds are getting renewed attention on Wall Street as an asset class that can do well both in high- and low-inflation environments.

Convertibles are bonds that can be converted to shares of the issuing company’s stock. In certain circumstances — such as when the economy is firing on all cylinders or when inflation is higher — convertibles should behave more like equities. But in other situations — such as during a recession — they should behave more like debt.

It’s easy to understand why some investors are showing interest in convertibles. Inflation is already at a 40-year high and could very easily rise even further in coming months. But it also isn’t unlikely that within the next 12 to 18 months, inflation will be a lot lower than it is today. The Philadelphia Federal Reserve Bank reports that the consensus among professional economic forecasters is that inflation in 12 months’ time will be below 3%.

Convertibles offer the possibility of performing well in both environments — at least in theory. How well do they perform in practice?

To find out, we analyzed the historical performance of mutual funds in Morningstar’s US Fund Convertibles category. This category’s average significantly outperformed the various categories of traditional bonds since 1957 and nearly kept up with stocks (see chart below). Over the entire 65-year period, the category produced an annualized return of 9.3% versus 10.6% for the S&P 500 index, 7.2% for corporate bonds, 6.7% for long-term Treasury bonds, and 6.1% for intermediate-term Treasuries.

This is right in line with these asset classes’ relative riskiness. Because convertibles are riskier than conventional bonds, you’d expect them to do better. But because investors don’t have to convert them when stocks are performing poorly, convertibles are less risky than stocks. You’d therefore expect them to lag the S&P 500 over the long term.

If that was all there was to this story, then your decision about convertibles would be a simple function of your risk tolerance. Convertibles would enable you to go further out the risk spectrum than traditional bonds without going as far as equities.

But convertibles’ unique characteristics make them relatively uncorrelated with either stocks or bonds, according to Michael Miller, president and chief investment officer of Wellesley Asset Management, a Massachusetts firm that focuses on convertibles. Miller told Barron’s that this means convertibles can play a valuable role in your asset allocation, reducing your portfolio’s volatility more than they forfeit returns.

Miller in particular drew attention to convertibles’ historical returns during periods of rising inflation. Traditional bonds typically suffer during such periods, as they indeed have over the past year. Convertible bonds, by contrast, are far more correlated with stocks during such periods, he said.

Calendar years since 1957… Convertibles funds S&P 500 LT Treasuries IT Treasuries Corporate bonds When inflation is higher than in preceding year 6.5% 6.5% 4.4% 4.7% 5.2% When inflation is lower than in preceding year 11.6% 14.1% 8.6% 7.2% 8.9% When 10-year yield is higher than in preceding year 7.6% 8.7% 2.4% 3.8% 2.7% When 10-year yield is lower than in preceding year 13.0% 13.2% 12.4% 9.0% 13.0% When S&P 500 rises 14.6% 18.3% 6.8% 5.9% 8.2% When S&P 500 falls -8.2% -13.3% 6.1% 6.7% 3.7%

Sources: Morningstar Direct; Hulbert Ratings

The relevant data are summarized in the above table. In all calendar years since 1957 in which inflation was higher than in the preceding year, convertible funds produced an annualized gain of 6.5% — equaling the S&P 500’s return and significantly outperforming traditional bonds. In years in which inflation was lower than in the previous year, the average convertible fund still did better than traditional bonds, though not as well as the S&P 500.

Similar patterns emerged when dividing the years according to whether the 10-year yield was higher or lower than the preceding year, and according to whether the S&P 500 gained or lost.

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It’s always possible that the future won’t be like the past, of course. And this is especially the case with investments such as convertible bonds that appear to outperform the market on a risk-adjusted basis. It’s always possible that investors have discovered the free lunch that these bonds have, in effect, provided in the past, and by purchasing them investors have discounted away the advantage.

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Miller, for one, doesn’t believe this has happened. He pointed out two reasons why he thinks the market for convertibles remains relatively inefficient. One is that it is fairly small, with a market cap of roughly $400 billion. In contrast, the size of the entire bond market is $53 trillion, according to the Securities Industry and Financial Markets Association. Convertible bonds are barely more than a drop in the bond market bucket.

The other reason that convertibles’ advantage may not have been discounted away is that it’s difficult to calculate what a convertible bond’s fair value is. A key component of its valuation is the option to convert to equity, and it isn’t obvious how to put a fair value on that option. Upon making several calls to seasoned market experts and researchers, we failed to find anyone who felt confident in knowing how to do so.

The bottom line? Convertible bonds are an underutilized and potentially undervalued asset class that very well could play a worthwhile role in a diversified portfolio of stocks and traditional bonds.

Diversification is key with this asset class, which is easy to accomplish with a mutual fund or exchange-traded fund. The ETF benchmarked to the convertible asset class with the most assets under management is SPDR Bloomberg Convertible Securities (ticker: CWB), with $4.7 billion in assets under management and an expense ratio of 0.40%, or $40 per $10,000 invested.

Mark Hulbert is a regular contributor to Barron’s. His Hulbert Ratings tracks investment newsletters that pay a flat fee to be audited. He can be reached at [email protected].

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If you’re planning your own crypto launch this year, I’ve got three sure-fire ways to light the fuse.

Q4 2021 volumes have gone up or down and how much? Keep It Simple

Whatever your project is, the single most important way to spread the news is by making the message child’s play. Take time to dissect and distil your idea into the most potent version you can. The simpler you can make your message, the easier it will be to cut through the static. Don’t expect a picnic though, breaking down your concept will be tougher than you think.

As Mark Twain famously wrote, “I’m sorry I wrote such a long letter, I didn’t have time to write a short one.” Compiling a concise version of your project may be an art, but unlike some art, it’s a skill anyone can learn. First, cut out the jargon. If you need to explain a concept like a DAO (digital autonomous organisation) then do so, but keep it brief. Next, avoid repetition. Read and re-read your copy. Pass it around the office, and indeed, pass it around outside the office. Cut out anything that makes it sound like a broken record.

Finally, cut it down again. Remember when a salesperson is trying to sell something, they refer to the brochure, not the manual. There is a paradox that too many unsuccessful projects fall foul to. It’s the belief that by including EVERYTHING they will generate more interest when the opposite is true. By throwing too much data into the mix, you run the risk of boring people, and, in today’s Google era, we’ve never had shorter attention spans. Aim for a single page press release, 500 words long, with a killer headline.

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Sell the Scoop

The key to a successful press release isn’t the wording, the format, or even the timing, although that is important. Successful press releases sell the story. The story is the hook, and a good hook is what every blogger, journalist, editor and content creator is looking out for in every email.

Finding your story is tougher than you might think. Indeed, your story may not even be what you think it is. The hook may not even be about your project at all. It could be something to do with your team, your location or even something from your past. It takes practice and a good deal of thinking to work out the best story and like ‘keeping it simple’, it’s often a team sport. So, why not get everyone together and crack out the whiteboard?

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Start with the project itself. Is there anything about it that is particularly relevant to the world in the precise second? What about in the future, will your project lead to something new down the line? Try to forget what it does and how it works, and focus on instead what it could achieve, where it could lead or what it took to get you here. The key to a good story is emotion. Is yours an underdog’s tale? Are you breaking new boundaries? Could it spark controversy? No matter how cool and clever your project is, your story may be something even almost unrelated, but finding an emotive human hook can make your chances of telling the world far greater.

Plan Ahead

Reading this article is a great first step as it shows you’re already on this path, so kudos to you. Now keep up that momentum and get organised. Prior to launch, set a sensible date to hit the green button. By sensible, I mean don’t choose a national holiday, a religious festival, a worldwide day of mourning, or anything else you could see coming with a broken telescope when the eyes of the press are planted firmly elsewhere.

Of course, we can’t predict the future, but we can predict the past so be careful when choosing your launch date.

Next, work backwards and set up a realistic schedule for getting the information out. Depending on your project you’ll likely want to consider international, national and local press and set targets for your distribution. You’ll want to give everyone the best chance to get the story, and if you’ve followed my advice so far, you’ll have a sexy bite-sized stick of dynamite ready to throw.

Working backwards again, you’ll want to identify anyone you think would be a good contender to amp your message. So, stick a reminder on your planner/Trello/whatevs a week before to research potential PR targets. Going backwards another week, you’ll need to make sure any potential influencers/box openers/affiliate marketers/streamers etc. have access to a working version of your project.

Content creators need time to shoot and edit which is why you’ll want to make sure they have access to your project before the traditional press. The week before that, you’ll probably want to research all those folks and make sure you have a working prototype ready to go. Before doing any of this, however, there’s one group you’ll need to consider above all others. You may not have one yet and indeed your project may not need one, but if you do have a community, this is where your planning should start. If your project is going to change the world, it’ll need some help. This is where your community comes in. However, these people found you, so we can assume for the most part they are on your team and want to help you shake things up.

It is essential that you keep your community on the side and the best way to do that is by keeping them in the loop. By updating, engaging and above all being transparent with your crew you will earn their respect and trust. Don’t be afraid, to be honest with them if things go sideways on occasion. Your community is on your side, and people understand we don’t live in a perfect world.

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The other factor to consider when communicating with your community is to listen to them. You never know who’s involved, and you might find their advice and support invaluable. How do you know Elon Musk isn’t following your Discord channel? So, start with your community, keep them in the loop, be honest with them, even if there are hurdles ahead, and above all listen to them.

In Conclusion

So, there we have it. Three simple strategies to ensure a smooth launch and plain sailing for your crypto ship. In summary, we can break it down into just the three short headers. Keep it simple, sell the scoop, and plan ahead. Sure, we could have talked about next-gen, white/black hat, crypto-chicanery, and other opaque dark arts, but in the end, simple wins every time. I hope you enjoyed this brief guide and I wish you luck with your project.

What is Pi Day and why do we celebrate the holiday? 📷 Every March 14, mathematicians, scientists and math lovers around the world celebrate Pi Day, a commemoration of the mathematical sign pi.The date written numerically as 3/14 match the first three digits of the never-ending number: 3.14>>>Sign up to Coinbase NowThe unique holiday is one that is discussed by math teachers in schools across the country and bakeries and grocery stores often sell pies at a discount that day.Pi Day was first celebrated in 1988 at San Francisco’s Exploratorium, a museum of science and technology that encourages visitors to be hands-on.The holiday was founded by physicist Larry Shaw, who had been an employee of the museum for more than 15 years.PHOTO: Larry Shaw, the founder of Pi Day, leads a circular procession during Pi Day at the Exploratorium in San Francisco, Tuesday, March 14, 2017. (Exploratorium)His daughter, Sara Shaw, told ABC News her father was at a weekend work retreat when he came up with the idea to link March 14 with pi’s first three digits.“He always sort of liked to combine crazy, fun ideas with science and math,” she said. “It’s a celebration and a coming together of everybody to enjoy something that is based in science but in a fun, educational way.”Sara Shaw added, “It’s both fun and science, and those things are not mutually exclusive.”Thus, Pi Day was born. During the first celebration, the Exploratorium’s employees marched around one of the circular spaces of the museum because pi is the ratio of a circle’s circumference to its diameter.MORE: Indiana once tried to define pi as 3.2. The bill almost passed.It took place at exactly 1:59 p.m., which are the numbers that follow 3.14 in pi, and, after the march, Shaw and his wife set up fruit pies for the workers to eat.Sara Shaw said for the first several years, the celebrations were small and only included the workers of the museum and some visitors.“They used to be pretty small so my memories of them are just like 10 people, and then it grew bigger and bigger,” she said. “I moved away for college and then when I came back, it had taken a big leap forward.”Story continuesEven Sara Shaw contributed to the celebration — although she doesn’t remember doing so.>>>Get Instant Access to CoinbaseHer parents told her that, several years after the first Pi Day, she was in elementary school when she realized March 14 is also Albert Einstein’s birthday.For the next Pi Day, Shaw built the so-called “Pi Shrine,” which is a circular plaque inside one of the museum’s circular classrooms.The workers then did the traditional march around the museum, ending at the Pi Shrine, which was encircled 3.14 times before “Happy Birthday” was sung to Einstein, according to the Exploratorium’s website.The holiday has gotten such recognition that in March 2009, the U.S. House of Representatives designated March 14 as Pi Day.“I think he was thrilled that [the day] went from a small and humble beginning to see it grow and grow,” Sara said.MORE: Pizza, mutant apes and a sea of NFTs: Web3 is herePi Day has become an annual tradition at the Exploratorium, and the staff has carried on even after Shaw died in 2017.“Pi Day is such a special holiday for the Exploratorium,” Samuel Sharkland, program developer at the museum, told ABC News. “It started off as a staff gathering and speaks to its magnetism and interest that it’s blown up into an international celebration.”He continued, “Sometimes math can be intimidating. But when you have this charismatic number like pi … there’s a lot to explore.”So why is pi considered to be such an important symbol?Scientists knew for centuries that, regardless of the size of a circle, the circumference and diameter always had the same exact ratio but were unsure of how to calculate it.The Greek mathematician Archimedes is considered the first person to accurately approximate pi in 250 B.C. after he created an algorithm, which is why pi is sometimes called Archimedes’ constant.Over the next several years, Chinese and Indian scientists made invaluable contributions to the

Gas prices have been rising almost 10 cents a day in March.

📷

Gas prices in the US are soaring. A perfect storm of rising post-pandemic demand, seasonal price increases and Russia’s invasion of Ukraine has created record prices at the pump. The national average is now $4.33 per gallon, and California fares the worst at $5.71, according to AAA.

While you can’t control the price of oil, you don’t need to feel helpless in the face of burgeoning gas costs. There’s never been a better time to improve your fuel efficiency or become a gasoline bargain hunter, and plenty of online sites and tools can help.

Read on to learn about methods for saving money at the gas pump, including gas trackers, discounted and free gas cards, improved fuel efficiency, rewards programs and club memberships.

For more, see CNET’s best gas stations, the best gas credit cards and the latest on the US ban of oil and gas from Russia.

Track your local gas prices and find the best station

Start with the most obvious advice for saving money on gas: Find the cheapest gasoline in your local area and buy it from that station. A handful of websites and apps already track gas prices for free.

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GasBuddy is a well-known website for tracking gas prices in the US and Canada. It also provides data for the US Office of Energy Efficiency & Renewable Energy’s gas tracker pages. Both sites share data but present the information in different ways — try them both to see which you prefer. GasBuddy is available on the web or via mobile apps for Android and iOS, although privacy concerns have

Warning: Due to rapidly rising gas prices, GasBuddy has experienced a huge spike in web traffic. The service has been plagued with outages lately, often presenting “Error 503 Backend fetch failed” messages because its server is overloaded.

Ubiquitous auto insurance company Geico also provides a helpful local gas station tracker. Enter an address, city or ZIP code plus a maximum distance area, and Geico will return a detailed list and map with regular, mid-grade and premium gas prices as well as directions to stations.

AAA provides a gas price tracker in its mobile app (Android, iOS), as does GasBuddy competitor Gas Guru (Android, iOS), but both services have been dinged lately in user reviews for not keeping pace with the latest price hikes.

You can also check gas prices in your vicinity when using mobile navigation apps like Waze or Google Maps. In Waze, tap the fuel pump icon under the search bar to see current prices at gas stations near you.

Likewise in Google Maps, simply tap the “Gas” button beneath the search bar to display prices for all gas stations close to you. Zoom out or scroll the map to find gas prices for a broader area. The Google Maps website also provides the same service via browser.

Get money back from gas credit cards and fuel rewards programs

If you’re spending $60 to75 every time you fill up your gas tank, there’s a benefit in receiving a percentage of that money back via gas station or credit-card reward programs.

Check out CNET’s best gas credit cards to find one that will work for you. The Citi Custom Cash Card tops our list, offering 5% back on the first $500 you spend on gas each month, plus 1% back on anything more than that.

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Major gas stations also offer credit cards and reward programs that promise to save you money with each fillup by giving you a percentage back. For example, Speedy Rewards offers a $25 gift card for 500 points, which equals 50 gallons of gas. At $4.25 a gallon, that’s nearly 12% back.

Shell and BP claim you’ll save at least 5 cents per gallon with their respective reward programs, and ExxonMobil says you’ll get at least 3 cents off. Be sure to review the terms of each program to see exactly what percentage of your gas spending you’ll be getting back.

Supermarket chains Safeway and Kroger also offer rewards programs that will save you money on gas. With both programs, for every $100 you spend on groceries you’ll get 10 cents off gas the next time you fill up. Kroger works with Shell and Kroger Fuel Centers, while Safeway’s program works with Chevron, Texaco and Safeway stations.

Pay for gas with cash instead of debit or credit

GasBuddy shows both credit and cash prices if there is a difference.

The practice of charging less on gasoline for customers paying cash varies from gas station to station, but it can be very common in some cities: in my local area of Oakland, California, almost every gas station charges 10 cents less for customers paying cash. In Los Angeles, several gas stations offer 20-cent discounts on gas, especially for premium.

That 10- or 20-cent difference can quickly add up. You will save $1.50 to $2 every time you completely fill a 15-gallon tank, or $72 to $144 a year at the average consumption of 60 gallons per month. (Just watch those ATM fees: if you’re paying $2 to $3 to get your cash each time, you’re losing money.)

Increase your fuel efficiency

Another way to save money on gas is to make sure you’re maximizing the number of miles your vehicle travels per gallon. First, check your tires: the US Department of Energy estimates that properly inflated tires can boost gas mileage by 3%. At current prices, that level of improved efficiency could save you almost 13 cents per gallon.

Google Maps will recommend routes designed to save gas.

Google Maps can also boost your miles per gallon by recommending certain routes that avoid hills and traffic, resulting ideally in more constant driving speeds. Fuel-efficient routes are available on the mobile Android and iOS apps, though the feature hasn’t been rolled out to all users yet. To turn on fuel efficiency in Google Maps — if it’s not on already — tap the three dots on the directions screen, then tap “Route options” and toggle the “Prefer fuel-efficient routes” option on.

Other fuel-tracking mobile apps like Fuelio and JerryCan provide methods for improving your fuel efficiency as well as tracking gas prices at stations. JerryCan claims that drivers using its app can improve their fuel efficiency by up to 20%, which equates to saving a whopping 87 cents per gallon at today’s prices.

Finally, hypermiling (the practice of wringing the maximum distance from every gallon of gas) is no longer relegated to fringe enthusiasts. CNET Brian Cooley explains how regular drivers can adapt extreme hypermiling techniques to increase their own fuel efficiency.

Try a club membership for discounted gas prices

Costco, Sam’s Club and Walmart Plus all offer discounted gas prices to their members. Walmart+ promises 5 cents less at its fueling centers, plus access to all Sam’s Club locations. Walmart Plus memberships cost $13 a month or $98 a year. Sam’s Club memberships range between $45 and $100 per year.

Conventional wisdom claims that Costco gas generally costs about 20 cents less than local gas prices. On March 9, TheStreet reported that the average price of gas at Costco was $3.69 per gallon, 56 cents lower than the national average that day. Costco memberships cost between $60 and $120 per year.

Warning: Due to the recent price spike, gas lines at Costco have become notoriously long.

Buy discounted gas cards through resellers

Gift cards are a popular choice for easy presents, but as you might expect, not all of those gift cards get used. A variety of resellers let consumers hock their unused gift cards or buy them on the cheap.

Raise and Gift Card Granny are two sites that let users buy and sell unused gift cards from Chevon, Texaco, Shell, BP and other gas providers. As you might guess, most discounted gas gift cards are sold out right now, but you can set up alerts for when new ones come in.

Be careful to check the actual price discount and other specifics of any card — both sites also sell gift cards at retail rates, and Gift Card Granny also sells reward cards.

Bicycles, public transit and electric vehicles can end dependency on gas

Soaring gas prices provide a timely opportunity to wean yourself off gasoline-based transportation, if you have other alternatives. Riding a bicycle or using public transit more often will obviously help decrease your gasoline costs.

Similarly, acquiring an electric vehicle will certainly reduce your gas usage. It’s not just Tesla — Hyundai, Ford, Porsche, Audi and many more automakers are providing electric cars now. Bonus: you’ll be fighting pollution and climate change at the same time as you’re saving money. Check out CNET Roadshow’s list of the best electric vehicles to learn about the latest and greatest EV cars.

Russian vodka

US President Joe Biden has announced a ban on imports of Russian diamonds, seafood and vodka in the latest response to Russia’s war in Ukraine.

The US, European Union and other allies also plan to revoke Russia’s status as an equal trade partner, paving the way for further economic punishment.

The moves add to sanctions that have isolated Russia economically since the invasion.

Its currency has collapsed, while global firms rush to exit the country.

Russian President Vladimir Putin has likened Western sanctions on banks and oligarchs to a declaration of war. Moscow has also threatened to nationalise production plants or factories where work has been suspended.

Western allies announced further economic retaliation on Friday.

The European Union said it would ban imports of key Russian iron and steel products and bar new energy investments in the country, while the UK put sanctions on hundreds of Russian politicians.

The US, EU and UK also said they would cut off shipments of luxury goods to Russia.

Mr Biden said the latest steps will be “another crushing blow to the Russian economy”.

Revoking ‘most favoured nation’ status

Under international rules, designating a country a “most favoured nation” provides reciprocal trade privileges such as lower tariffs, taxes imposed at the border.

Stripping Russia of that status clears the way for higher tariffs on key products it sells such as mineral fuels, fertilisers and metals.

Mr Biden said he was coordinating the plans with the European Union and other advanced economies, including Canada and Japan, each of which will take similar steps.

In the US, Congress, which must act for the move to go into effect, has already declared itself in favour of the move.

Analysis box by Theo Leggett, business correspondent

Most Favoured Nation (MFN) is a status conferred by membership of the World Trade Organisation. It might sound as though it confers special advantages, but that’s not really the case.

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In fact, it is a baseline designed to ensure all World Trade Organisation members are treated equally, unless they are members of a specific free trade area or agreement. Under normal circumstances, it limits countries’ ability to impose trade barriers against one another — or offer individual countries special concessions.

By removing this status from Russia, G7 countries will be able to target its exports with punitive tariffs, or taxes. In fact one of them, Canada, has already done so. Last week it imposed tariffs of 35% on all products coming from Russia and its compliant ally, Belarus.

In order to do this, Canada relied on an exemption contained in one of the WTO agreements, which allows members to take action they consider necessary to protect their “essential security interests”. It is likely the others will do the same.

In addition, Western allies said they planned to cut Russia off from accessing finance from international organisations such as the World Bank and International Monetary Fund.

“Russia cannot grossly violate international law and expect to benefit from being part of the international economic order,” the G7, a group of seven advanced economies including the UK, said in a statement.

The US ban on key Russian imports will deny Mr Putin more than $1bn in revenue, the White House said, while the ban on US exports of luxury goods hits trade worth about $550m per year.

That is just a fraction of the roughly $28bn worth of trade the US and Russia exchanged in 2019.

Mr Biden promised further measures, including tightening sanctions on oligarchs and their families.

“We’re going to continue to squeeze Putin,” Mr Biden said. “He is the aggressor and… must pay the price.”

Economists say the sanctions previously announced will throw Russia into a severe economic recession this year. But it is not clear that the economic disarray has altered Mr Putin’s military ambitions.

At a press conference on Thursday, White House spokeswoman Jen Psaki was asked when the weight of the sanctions might lead to a change in Mr Putin’s actions.

“Our objective of course is to bring an end to this conflict, she said. “In terms of when that will happen, I’m unfortunately not in the mind of President Putin…. When it will change his calculus, I can’t give a prediction of that.”

War in Ukraine: More coverage

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A sprawling, late-season winter storm was forecast to dump a mixed bag of precipitation across a wide stretch of the United States through Saturday, raising concerns about hazardous driving conditions and scattered power failures, meteorologists said on Friday.

About 70 million people from Arizona to Tennessee and up through Maine were under some sort of winter weather alert, according to the National Weather Service. The interior Northeast was expected to get the worst of the storm.

“It’s a pretty impressive storm system,” Matthew Clay, a meteorologist with the Weather Service in Burlington, Vt., said on Friday morning. “For interior New England, we’re expecting pretty much a widespread seven to 14 inches of snow.”

Light snow will fall from the Southern Plains to Wisconsin on Friday on the backside of a cold front crossing the central United States, the Weather Service said. That front will strengthen, leading to the development of a significant winter storm across the Tennessee and Ohio Valleys through the eastern part of the country this weekend.

“Snow rates of greater than one inch per hour combined with gusty winds will produce blowing and drifting snow,” the Weather Prediction Center said on Friday. “This will severely reduce visibility and make for difficult to hazardous driving conditions.”

The National Weather Service in Flagstaff, Ariz., also warned people that gusty northeast winds would continue to midday on Friday. “Some roads may be snow-covered and icy this morning, especially east of Flagstaff,” the service cautioned. “Be careful out there.”

Areas across North Texas and southern Oklahoma were expected to receive a few inches of snow through Friday morning. Similar snow totals were expected for areas around eastern Tennessee through Saturday evening, and as much as five inches of snow could fall across portions of Kentucky.

The Northeast was most likely to see the brunt of snow accumulations, forecasters said. Areas around Albany, N.Y., could see up to four inches of snow. Towns farther north could see as much as 12 inches. In Vermont, between seven and 14 inches was forecast for much of the state.

“We’re expecting very difficult travel conditions during the day on Saturday and into Saturday night,” Mr. Clay said of the upper Northeast. “We discourage travel, unless you need to do it, and also be prepared for isolated power outages as some of the snow we’re experiencing will be wet.”

One meteorologist said that it was not unusual to see a late winter storm system in March.

“March is one of those months where there are some years that we see plenty of snow and there are some years, we see next to nothing,” Torry Gaucher, a meteorologist with the National Weather Service in Norton, Mass., said on Friday.

“Technically, we’re in meteorological spring,” he added. “Calender-wise, we have another month before spring really arrives.”

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Cities closer to the coast, including New York City and Boston, were expected to see a mix of rain and snow, with significantly less accumulation. The Boston area could see at least an inch of snow Saturday and Sunday morning.

This weekend’s storm follows a pattern of active winter weather throughout much of the South and East Coast this year.

In early January, back-to-back storms created perilous driving conditions in the Mid-Atlantic and Northeast, including one weather system that stranded hundreds of drivers on Interstate 95 in Virginia for more than 24 hours. The storm trapped truckers, students, families and every stripe of commuter, including Senator Tim Kaine.

In mid-January, another storm slammed the South, killing at least two people and leaving thousands without power before moving north and dropping heavy snow over parts of the Northeast and Canada. Another January storm swept through the East Coast, prompting thousands of flight cancellations and pushing the governors of New York and New Jersey to declare states of emergency. That storm dropped more than 30 inches of snow in parts of Massachusetts.

In early February, another storm slammed parts of Texas with snow and sleet, disrupting travel and power. Gov. Greg Abbott called it “one of the most significant icing events that we’ve had in the state of Texas in at least several decades.” Yet another storm followed in late February, lashing the Northeast with a mix of snow, sleet and rain.

Johnny Diaz contributed reporting.

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You probably have heard that getting rich quick won’t work in most cases unless you win the lottery or receive a large inheritance. But, if you are trying to build wealth yourself, if it sounds too good to be true, it probably is.

On the other hand, if you want to build real, sustainable wealth, it’s important to have a concrete plan with defined steps. Then, of course, you must follow through on those steps.

In other words, it’s not enough to have a vague goal of wanting to be rich. Without specific steps to help you achieve your goals, you won’t be able to move forward or — worse — you may even move backward.

Thankfully, our experts have provided their best tips for building wealth, which you can turn into actionable steps. Depending on how you define it, you may not be “rich” in five years, but you certainly can set yourself up for success and be well on your way long before then.

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Also Read: 9 Ways To Become Rich in 2022 More Tips: Cutting Out These 24 Expenses Will Save You Over $15,000 a Year

1. Know Where Your Money Is Going

Knowing where your money is going is the first step of any successful financial plan. If you don’t know where your money is going, it may be tough to put it to better use. Typically, this step would involve setting up a budget, but Mark Wilson, founder and president at MILE Wealth Management, has a different take.

“I’m not recommending massive spreadsheets here,” he said. “I’m recommending (roughly) categorizing your spending items. Instead of tracking every line item, he recommends establishing Owe, Grow, Give and Live categories. Wilson gave examples of what each category might entail:

Owe counts mortgage/rent, student debt, credit cards, taxes (income, property), etc. — nondiscretionary debt

Grow includes your short-term and long-term savings

Give is the amount you give to charity

Live is everything else — your “more discretionary” expenses

Wilson recommends allocating a certain percentage of your money to each category; for example, 25% Owe, 10% Grow, 5% Give, 60% Live. You might adapt those percentages to how you spend your money, but each category is important.

Story continues

2. Financially Educate Yourself

Something that is arguably not discussed enough is the degree to which formal education and training in finance are lacking. Everyone needs to know how to manage their money, but many people have to learn the hard way, only after finding themselves in precarious financial situations.

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“Many things are taught in schools. However, they do not educate you on how to become financially independent,” said Lyle David Solomon, principal attorney at Oak View Law Group.

Solomon recommends studying various aspects of finance, from how to boost your credit score to interpreting profit and loss statements.

“You may study money in a variety of ways,” he said. “The first and most important thing is to read books. Hundreds of good books written by millionaires, billionaires and successful leaders will teach you a great deal about money.”

3. Pay Down Debt

Once you know where your money is going, your next step should be to aggressively pay down debt. In many cases, debt simply weighs people down and doesn’t provide an ongoing benefit. As Laurie Itkin, financial advisor & wealth manager at Coastwise Capital, said: “Rich people borrow money only if there is an opportunity to earn more than they will owe on the debt.”

But buying the latest smartphone model with a credit card generally won’t provide a monetary return. Hence, if you have this sort of “dead weight” debt, Wilson recommends working on this, your Owe category.

“Refinance your mortgage if you can reduce your interest rate,” he said. “Cut up credit cards so you spend more intentionally. Add those reduced Owe dollars to your Grow dollars.”

4. Have Multiple Sources of Income

The mainstream approach to covering one’s expenses is to find a job — in other words, a single source of income. But that is rarely, if ever, the case for those who are able to build serious wealth. Having multiple income sources not only raises the ceiling on the amount you can earn but also eliminates the risk that you will lose all of your income if you are laid off.

“The majority of millionaires have numerous sources of income,” Solomon said.

He puts emphasis on the constant flow of income afforded by multiple income sources.

“If one flow is interrupted,” he said, “you still have other streams flowing in. In other words, you never have to rely on a single source of income.”

5. Increase Your ‘Grow’ Category

Once you have worked on the previous categories, it’s time to start building your wealth. This goes back to Wilson’s categories with the Grow area. He gave more detail on Grow, though, as there are many ways to approach wealth building.

“Increasing the percentage you pay into a company-sponsored 401(k) plan or automating monthly contributions to a Roth IRA are great ways to make this happen,” Wilson said. “As your income grows, put half towards your Grow percentage and enjoy the other half. This step has double benefits: You are building your retirement nest egg and — more importantly — you are reducing your spending, so you will not need to save as much in total.”

Another way to increase your Grow category is by committing a percentage of every extra payment to savings — “say 10% of gift checks from Uncle Gerry at Christmas and 10% of your bonus,” said Carol Schleif, deputy chief investment officer at BMO Family Office. “The earlier you invest, the more the magic of compound interest works for you.”

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More From GOBankingRates

Lately, many people without experience in crypto trading have started showing interest in crypto day trading as much as experienced traders do. Cryptocurrencies have gained popularity lately and for a very important reason — it brings financial results, and it is so tempting that thousands of people join trading platforms every day.

There are all kinds of people interested in cryptocurrencies, from complete beginners and ordinary people, to entrepreneurs, and people who know a lot about finances. However, they all have something in common — the passion of seeing their investments grow by the minute!

If you want to be well informed, make sure you read 5 best stock trading apps 2022 with low fees article.

Best Day Trading Crypto Reddit

Lucky block

Bitcoin

Ethereum

Binance Coin

Ripple

>>>Find crypto.com<<<

Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

What is day trading crypto Reddit 2022?

Before going into detail about the cryptocurrencies that are the best for day trading crypto Reddit 2022, it is first necessary to explain what crypto day trading is. This trend started last year because the pandemic changed the way people perceive jobs and the way they do business. This is why all kinds of crypto day trading strategies appeared, and it is important for you to know that they are quite effective for gains in a relatively short time.

The reason why it’s possible to taste the fruit of their labor so fast is that the market is still very immature, and stability is something that is very hard to reach. Besides, volatility and volume are high, which contributes to the possibility of acquiring gains throughout the year. Day trading crypto is the process where the price of cryptocurrencies gets predicted over the span of a few hours to a single day. The risk is very small, which makes it so attractive to investors around the world.

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Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

What is the best day trading crypto Reddit?

According to the Reddit community, when you ask a question, “what are the best day trading crypto Reddit” here is what you will get:

Lucky block is the best choice when it comes to new cryptocurrencies with high potential. It has a decentralized lottery portal that is one of the main reasons why so many people want to invest. It is available to everyone, and one of the main reasons for its popularity is transparency, but also better chances of winning big prizes.

The Lucky block system has a user-friendly interface that allows players to easily understand how everything works. It also has an attractive design and the possibility of sharing its results with others on social media. It carries a huge potential of gains in a short period of time which is why so many people make it their prime choice.

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Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

Bitcoin still holds a very significant place in the cryptocurrency world. One of the reasons why it still attracts so much attention is that there is a fixed supply of coins without the chance for mining, and there are 21 million available. This is what makes it so attractive for day trading. Its value is based on the demand of Bitcoin. The Bitcoin exchange rate is determined by how much people are willing to pay for them and the demand is still very high especially because most people who enter the crypto world will first get familiar with Bitcoin more than anything else. It is the reason for most traders to join.

The success of your day trading will depend on many factors, and there is no guarantee that you will make money using this strategy, but it carries potential, no doubt about it. However, there are some things that you can do to increase your chances of success. Diversify because it is always recommended to have a diversified portfolio. You should not put all your eggs in one basket. If you put all your money in Bitcoin, and then something happens to it, you will be devastated. Keep emotions out of trading. This is easier said than done, I know, but if you can do this, it will help improve your trading results tremendously.

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Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

Ethereum has found its way on our list because of its popularity, and there is sufficient volume, volatility, and liquidity for the people who choose to invest in it. These reasons are sufficient for the people who want to get into the trading and achieve gains in a relatively short time.

The fact that Ethereum has been able to survive the dot-com bubble and outlive many other cryptocurrencies speaks volumes about its durability. Another great feature of this currency is that it has a really strong developer community behind it, which constantly works on new improvements and updates.

>>> Sign up to Crypto.com<<<

Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

Binance Coin is known across the globe mostly because of the exchange platform Binance that enables people around the world to exchange coins very easily. It is our top choice for day trading because of its fast transaction time and its availability on the web.

Binance Coin (BNB) is one of the most profitable cryptocurrencies in the world because of its incredible popularity as an exchange platform for Bitcoin and Ethereum. The coin has gained over 30,000% in value since its launch. The BNB token serves as a native currency on the Binance exchange, but it can also be used as a payment token on the Binance platform. Investors who buy BNB tokens will receive discounts on all transaction fees and services within the exchange.

>>> Sign up to Coinbase<<<

Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

Ripple’s price is much lower when compared to Bitcoin, making it great for today’s trading. The best part is you can buy it using fiat currency or bitcoin. For example, if you have $1000 worth of bitcoin, you can buy around 20 ripple coins. This is very good because if the price of Bitcoin goes down and you want to buy it back, then you can always use your Ripple to buy Bitcoin.

>>> Find Best Cryptos on Crypto.com<<<

Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

Where to find best day trading crypto Reddit?

If you want to know where to find best day trading crypto Reddit, look no further!

Here is our list!

eToro — eToro is our top choice when it comes to decrypted exchange because it is a reputable platform that beginners can equally use as much as experienced traders. There is also an app that can be easily used, no matter where you are, and keep a close eye on the coins you wish to trade. The interface is simple and clean, making it perfect for use anytime you need it, even if you are offline, which certainly comes in handy. Besides, there are numerous resources available, so if you wish to expand your knowledge, you can easily do it.

>>> Find Best Cryptos on Coinsmart<<<

Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

2. Binance — One of the greatest advantages of using Binance is that there are multiple cryptocurrencies available. The only thing you need to keep in mind is that the fees may differ depending on the country where you are located. The traders located in the US pay a smaller fee, so this is something you need to keep in mind if you’re located somewhere outside of the US.

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Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

3. Coinbase — A good choice for beginners can be Coinbase. The platform can be used easily because everything is pretty straightforward. The only thing you should keep in mind is that the app is only available in the US, Australia, Canada, the UK, and Singapore. There is also an app that can be used on Android and iOS devices.

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Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

As previously mentioned, our top choice is eToro because it is currently number one when it comes to exchanging cryptocurrencies. Keep reading to find out more about the process of registering with eToro.

>>> Find Best Cryptos on Coinbase<<<

Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

How to start day trading crypto Reddit 2022?

The process of registering on eToro is very simple, and you will be able to finish it within minutes and start your day trading crypto adventure. Here are four simple steps:

Step 1: Register with eToro: just like with all other platforms, you first have to start your account on eToro. It’s the typical stuff, such as entering your personal information and picking a username.

Step 2: Add funds: Before you can trade, you need to deposit money into your account. You can do so using your credit or debit card.

Step 3: Searchfor the cryptocurrency you want to buy: It’s impossible to miss the search bar on top of the eToro home page. Simply enter the name of the crypto you want to buy and click on “Trade”.

Step 4: Buy crypto: The only thing left to do is to input how much you’re looking to spend and complete the purchase.

As you can see, it is pretty straightforward and transparent. You can create your profile in less than a few minutes so you can start your trading and earning today.

>>> Sign up to Coinbase <<<

Cryptoassets are a highly volatile unregulated investment product. No UK or EU investor protection.

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Family offices are hopping on the bitcoin bandwagon, per a new survey.

Twenty percent were active crypto investors, and another third were considering it.

The uber-rich are betting on crypto to stay current and follow the lead of Millennial heirs.

Crypto is no longer a niche investment for the uber-rich, with 20% of family offices actively investing in cryptocurrencies, according to a new survey by BNY Mellon Wealth Management conducted with The Harris Poll.

Another 23% said they had limited exposure to crypto, while a third reported they were “exploring” investing in crypto. Just under a quarter said they had no exposure or interest in the asset class.

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The survey, conducted in late 2021, included 200 family offices, managing at least $150 million in assets. Fifty six were single-family offices and 144 were multi-family offices. Half were based in the U.S.

It’s a marked shift for family offices, which are typically more conservative than institutional investors when it comes to portfolio strategy. Traditionally, family offices shunned highly volatile assets such as crypto with the goal of wealth preservation, not maximizing returns. A survey conducted by Fidelity in late 2020 through spring 2021 found that 47% of family offices held investments in digital assets, up from 19% the year prior.

But family offices that passed on earlier opportunities to capitalize on crypto don’t want to miss the boat again, according to Pat LaVecchia, CEO of digital-securities broker-dealer Oasis Pro Markets. One family office told him it had declined to invest in Coinbase six years ago when it was valued at only $415 million. Now it has a market capitalization of roughly $40 billion.

“They thought crypto seemed like a scam. They didn’t understand it,” LaVecchia told Insider in May. “Now they wish they had made that investment.”

Young heirs are pushing family offices to take a bet on bitcoin

The influence of young heirs has also inspired family offices to invest, as 45% of respondents said next-generation heirs were interested in cryptocurrency.

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This corresponds with how Millennials and Gen-Z are leading the charge with crypto. In a survey of 2,000 US adults from Blockchain Capital conducted in late 2020, 46% and 55% of millennial and Gen Z respondents, respectively, said they planned to buy bitcoin in the next five years.

According to the BNY Mellon survey, the most popular reason (70%) cited for investing in crypto was to keep up with new investment trends. Just under half said crypto was a good investment opportunity. Fewer than a third cited low interest rates or inflation concerns as a reason to invest.

Despite their enthusiasm, family offices with any level of investment in crypto had widespread concerns about regulation (61%) and high volatility .

Bitcoin ETFs are more popular than crypto startups for investment

Family offices that described themselves as active investors plan to double down on crypto with 72% planning to increase their holdings. Those with limited exposure were much more conservative with only 22% interested in investing more.

Surprisingly, family offices preferred widely available methods for investing over those limited to accredited investors, with 61% using futures-based crypto ETFs. The second most-popular option (59%) was digital-currency exchanges such as Coinbase. Another 42% owned crypto directly in cold wallets. The least popular were investments in crypto startups (28%) and private placements (22%).

Though crypto is no longer a fringe investment for family offices, they are dipping their toes, not diving in. LaVecchia said they are generally cautious in their portfolio strategy, and lean towards the most popular cryptocurrencies, bitcoin and ethereum.

“Is it a 50% allocation? No. Is it a 5% allocation? Maybe,” he said.

Experts share how they find the best deals.

TAMPA, Fla. — Spring break season is here! You may have noticed all the extra traffic headed toward the beaches over the weekend.

While many people are coming to Tampa Bay to vacation, those of us who live here all the time may be looking for a getaway. The good news is that there are deals to be had, but you may have to sacrifice some comfort to get where you want to go.

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Airports are busy as more people get more comfortable with traveling amid the ongoing COVID-19 pandemic. According to the International Air Transport Association, airports are expecting to see 150 percent more passengers than they did last year. We talked to a couple of experts to find out how you can get the best deals.

Meet the Blinks family. Mom Diana is a family travel content creator. While their home is in Tampa, Diana says traveling is what they live to do. “We came up with the idea for 22 trips in 2022.”

They’ve already been on their first adventure to Costa Rica. “Not all of them are going to be big trips around the globe,” she said.

But when you have that many trips planned, it can get expensive. And Diana has a few secrets to saving money.

“My best hack for finding good trips is just being flexible about when you’re going to travel and where you’re going to go,” she said.

Kyle Potter is the executive editor of Thrifty Traveler and he agrees.

“Go to a site like Google flights which allows you to look at a calendar and you can kind of move day by day and see if I depart on a Tuesday instead of on a Monday, I can save a hundred dollars on my plane ticket,” he said.

Next, Diana says try buying your tickets ahead of time at the actual airport.

“This hack usually works best with more discount airlines. So I found the flights I wanted to take on Google flights. And then I went to the airport and said ‘I would like to purchase this flight, how much is it?’ Showed them the exact flight that I wanted and they were like yeah this is how much. And it ended up being about $400 cheaper.”

However, Kyle says to set your expectations if you’re flying a budget airline. Those extra fees can add up. “Do the math. To go through that checkout process on that cheap flight on Spirit or Frontier or whatever airline it is, and add every single thing you need in order to fly.”

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Diana and her family have also mastered the art of traveling light! “We went to Europe for five weeks, with just a backpack each, my family of five, and that saves a lot of money because baggage fees can get really expensive.”

And Kyle says now may be the time to take that trip you’ve been dreaming of. “It’s an incredible time for the people who are on the hunt for a bargain and I just don’t know how much longer it’s going to last.”

Diana does have one rule of thumb when it comes to flying on a budget airline. If the flight is longer than three hours, they’ll splurge a little and fly regular airlines. The seats are generally more comfortable and you get a little bit more space.

Diana shares her family’s adventures and her travel tips on her Instagram and Tik Tok pages.

© Provided by The Financial Express 80 per cent respondents still found crypto confusing, and 72 per cent felt it’s too risky to invest in. (Image: pexels)

A survey released by crypto financial services company BlockFi ahead of International Women’s Day reported that more women are now aware of how to purchase cryptos and even planning to buy some this year. “Nearly one in three women surveyed are planning on purchasing crypto in 2022. 60 per cent of those respondents say they plan to buy crypto within the next three months,” the survey noted. Moreover, almost 45 per cent of women reported knowing how to buy crypto — nearly double from 23 per cent of women respondents who reported knowing how to purchase crypto six months earlier.

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The survey, which was the second in a series to evaluate American women’s investment patterns, was conducted in January this year among 1,031 females between the ages of 18 and 65. ‘While 2022 has already seen its fair share of market volatility, women’s faith in the long-term investment performance of crypto remains high,” the survey report released on Wednesday said.

One in five respondents believed crypto can help them reach their financial goals, most commonly funding a vacation, retiring on time, or purchasing a home. 24 per cent respondents reported owning crypto, of which 70 per cent were HODLers. 71 per cent had bought bitcoin while 42 per cent picked Dogecoin and 18 per cent bet on Ethereum. “Looking towards the future, my hope is that crypto will become an essential part of one’s financial wellness plan…Even more, I look forward to seeing more women consider crypto as the next stop on their career journey,” said Flori Marquez, Founder & SVP of Operations of BlockFi in a statement.

Also read: Russia can’t use cryptos on a broad scale to evade sanctions: Experts

Among other findings of the survey included: Among those who owned crypto, 75 per cent had only traded, indicating that haven’t taken advantage of earning interest, rewards or engaging in mining or staking. Moreover, this also showed that scepticism continued among women investors as 80 per cent respondents still found crypto confusing, and 72 per cent felt it’s too risky to invest in. When it came to long term investment, only 14 per cent viewed bitcoin as comparable to gold or silver. However, 41 per cent viewed real estate as the best option for long term investment.

As of December 2021, crypto users globally neared 300 million from only 106 million in January and are expected to reach 1 billion by the end of 2022, according to crypto.com. However, as per broker discovery and comparison platform BrokerChooser in October last year, India had more than 10 crore crypto owners — the highest in the world followed by 2.74 crores in the US and 1.74 crores in Russia.

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Longleaf Partners Fund, a Memphis-based fund under Southeastern Asset Management, published its “Longleaf Partners Fund” fourth quarter 2021 investor letter — a copy of which can be downloaded here. Longleaf Partners Fund added 6.18% in the fourth quarter, taking returns for the full year to 23.58%, well ahead of its absolute return goal. However, the S&P 500 rallied 11.03% in the fourth quarter, taking the index’s full-year returns to 28.71%. Spare some time to check the fund’s top 5 holdings to have a clue about their top bets for 2022.

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Longleaf Partners Fund, in its Q4 2021 investor letter, mentioned Coinbase Global, Inc. (NASDAQ: COIN) and discussed its stance on the firm. Coinbase Global, Inc. is a Wilmington, Delaware-based cryptocurrency company with a $46.3 billion market capitalization. COIN delivered a -0.42% and it closed at $176.83 per share on February 25, 2022.

Here is what Longleaf Partners Fund has to say about Coinbase Global, Inc. in its Q4 2021 investor letter:

“We also have seen plenty of IPO/SPAC craziness showing both that private players need public markets more than they admit and that there is more volatility embedded in these newer companies than a private quarterly mark might admit. As for how efficient both the private and public markets are, we would encourage you to really delve into some of those multi-hundred-page S1s for many of the newest public companies to see the huge gap between the last valuation at which the company was funded and/or granted shares to its executives and the often much higher price at which the company went public — Coinbase is a prime example.”

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Crypto

Our calculations show that Coinbase Global, Inc. (NASDAQ: COIN) failed to obtain a mark on our list of the 30 Most Popular Stocks Among Hedge Funds. COIN was in 57 hedge fund portfolios at the end of the fourth quarter of 2021, compared to 50 funds in the previous quarter. Coinbase Global, Inc. (NASDAQ: COIN) delivered a -41.68% return in the past 3 months.

In November 2021, we also shared another hedge fund’s views on COIN in another article. You can find other letters from hedge funds and prominent investors on our hedge fund investor letters 2021 Q4 page.

 By Emmanuel Babalola

As cryptocurrencies continue to grow in interest and adoption, so also does the demand for trusted, convenient, and secure crypto exchanges, where people can trade these digital assets safely and hassle-freely. Security remains one of the most important factors to consider when choosing a crypto exchange to trade, as it offers protection from fraud when both user and platform take the necessary precautions.

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Hence, leading exchanges such as Binance have continued to implement a robust security framework, like stringent identity verification and authentication measures, to ensure that its users can enjoy strong layers of protection against malicious actors in the ecosystem. However, beyond the measures in place by exchanges to protect their users from cybercrime, crypto holders also have a role to play in keeping their assets safe from jacking schemes and theft. Here are some simple steps to follow to achieve this:

1.   Always use a secure passcode: Quite a large number of people use the same passwords for various accounts - this poses a security risk. It is better to assume that all your accounts may experience data breaches and take steps to mitigate against them by having different passwords for your accounts. This way, if one account is compromised, the likelihood of the other accounts being affected is slim. Long and complex passwords play into keeping your information secure along with changing your passwords regularly. Although this might seem inconvenient, it is one of the best defense mechanisms against potential threats.

2.  Enable multi-factor authentication: Multi-factor authentication is a login process where users are only able to access their accounts after successfully presenting two or more pieces of evidence, like a password as well as an SMS to their registered phone numbers for example. By enabling this, users enjoy an extra layer of security to prevent someone from logging in, even if they have the password. The additional security measure requires users to verify their identity using unpredictable digits.

3.  Be cautious of phishing scams: These sorts of scams are carried out in numerous ways – via SMS, phone calls, or emails – to deceive unsuspecting recipients into divulging passwords and private information. To guard against this, users need to be wary of clicking on irrelevant links from unknown sources or responding to questions that require divulging extremely personal information.

4.  Understand the potential risks before trading: If it sounds too good to be true, it probably is. For example, Binance has a P2P platform - this is a marketplace where people can trade crypto directly with each other on their own terms, in virtually any country. On the P2P platform, you should pick your trading partner the same way you would assess any other person or any other company you want to do business with – verify and validate. For instance, while selecting a P2P partner, try verifying the number of transactions the other party has successfully carried out and completed on the platform.

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However, Binance has certain safety measures in place to ensure one does not fall victim. Services like the P2P escrow guarantee that both buyers and sellers are protected from such situations. On one hand, the escrow helps buyers open an appeal if the counterparty defaults in releasing the cryptocurrency after payment; while on the other, sellers are also protected by holding the crypto in a temporary deposit within the escrow service until after payment from the counterparty has been verified. The cryptocurrency is returned to the seller if the payment is not verified within a specified timeframe.

5.   Use only reputable cryptocurrency exchanges and wallets: Safety for one’s investments should be the utmost priority when deciding on a cryptocurrency exchange or wallet. Finding an exchange that provides inexhaustible resources about its security features to understand how user data will be protected is key; by investing only through reputable crypto exchanges and wallets, you enjoy access to top-tier security features such as intermediate verification, multi-factor authentication, SSL/TLS encryption, excellent customer support and so much more.

While blockchain companies such as Binance consistently work to ensure the safety of their users’ funds, some of the responsibility also lies with customers to ensure that they adhere to these security steps to protect their assets. As the ecosystem continues to scale and gain global recognition from positive and negative counterparts alike, taking cautious steps to secure your digital holdings will make all the difference.

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