Many people dread visiting their dentist — let alone brushing and flossing once or twice a day. Some even fear seeing a dental professional, evident in the sheer number of websites, articles and support forums devoted to the topics of dental anxiety and phobia. Others simply can’t afford dental work.
Anyone who’s ever organized a wedding knows all too well how demanding and protracted the process can be. It’s the reason couples hire professional event planners to do the heavy lifting — and also why the term “bridezilla” became a permanent entry in the wedding glossary.
To call yourself a true fan of football is to acknowledge that the sport is more than a game: it’s a sacred American tradition. You’re not just a spectator but also a participant. You don’t just proudly wear your team’s jersey, perfect your game-day chili or tailgate with fellow fans. You must roar like an American when your team scores a touchdown — or express supreme dismay when their asses are handed to them on a platter.
But to show your passion for the sport, you need the best seats in the house. With Super Bowl LI upon us, WalletHub’s number crunchers compared 244 U.S. cities with at least one college or professional football team across 17 key metrics. Our data set ranges from “number of NFL and college football teams” to “average ticket price for an NFL game” to “fan friendliness.” Read on for the winners, expert sports commentary and a full description of how we ranked the cities. For fun and interesting facts about the biggest sporting event of the year, make sure to check out WalletHub’s Super Bowl LI By The Numbers infographic.
They say that “Virginia is for Lovers“ — of life, that is — which makes it the perfect place for all ages. With a breathtaking natural landscape, vast cultural diversity, temperate climate and more, it’s no wonder the first colony in the New World continues to attract new settlers, many of whom end up raising their children here.
Perhaps most appealing to parents and their kids, however, is the right combination of family-friendly qualities this Mid-Atlantic state checks off. For starters, there’s no shortage of fun things to do. As for other important items on the list, Virginia offers significant opportunity for economic growth, being home to four of the 10 wealthiest U.S. counties and the 11th highest per-capita personal income in the nation. Seeking top-notch education? Virginia’s public schools outrank those in 42 states and the District of Columbia. There’s even talk of making higher education more affordable for students. And finally, if superior health care is a big priority, this state promises not to disappoint.
As promised, President Donald Trump on Jan. 20 issued an executive order to undo the Affordable Care Act, or ACA, as his first order of business. Republican senators wasted no time advancing the president’s agenda, either, using a powerful process known as budget reconciliation on Jan. 12 to begin rolling back large sections of the health law. Passage of the resolution followed in the U.S. House of Representatives two days later.
But much of the public as well as members of Congress, including several Republicans, have expressed concern about both the lack of a replacement for the current program and a clear timeline for its implementation — in addition to the cost of repealing the ACA.
For a growing number of Americans, a good education is the ticket to a better future. College opens doors to better career opportunities, higher earnings and new social connections, among other benefits. But how much schooling one receives also matters to some extent. Generally, the higher the level of education one attains, the more income potential grows and the lower chances of unemployment become.
In this study, WalletHub’s analysts examined the key determinants of a well-educated population: educational attainment, school quality, and achievement gaps between genders and races. We compared all 50 states across 11 total metrics grouped by category. The data set ranges from “percentage of adults aged 25 and older with at least a high school diploma” to “average university quality” to “gender gap in educational attainment.”
Retirement might be the end of the line, but it doesn’t have to be the end of financial security or life satisfaction. Timing is often a primary concern with retirement, as it generally coincides with the age at which we become eligible to draw Social Security or pension benefits. Hopefully the choice will be ours and not dictated by our circumstances — the unfortunate case for nearly a third of nonretirees who haven’t put away a single penny for retirement, though not necessarily through any fault of their own.
But in addition to when you want to retire, a good question to ask is where, which can be difficult to answer if you haven’t adequately planned for your golden years. Even in the most affordable areas of the U.S., most retirees cannot rely on Social Security or pension checks alone to cover all of their living expenses. Social Security benefits increase progressively with local inflation, but they replace only about 40 percent of the amount you earned if you were an average worker, according to the Center on Budget and Policy Priorities.
Airline loyalty is a fickle beast, with most travelers willing to jump to another jet for the slightest of discounts. Nevertheless, roughly 7% of flights are paid for with points or miles, so there’s obviously value in committing to a carrier.
With that in mind, WalletHub compared the 11 largest domestic airlines’ loyalty rewards programs in terms of their expected value for Light, Average and Frequent flyers. We did so using 23 key metrics, ranging from the value of a rewards point or mile to blackout-date policies. You can find our analysis below, along with a tool to customize the results based on your own airline budget.
Raising a healthy, stable family sometimes requires moving to a new state. And the reasons are often similar: career transitions, better schools, financial challenges or perhaps a general desire to change settings.
But wants and needs don’t always align in a particular state, which might offer, for instance, a low income-tax rate yet subpar education system. Consequently, a family must make unnecessary sacrifices — the kinds that are easily avoided by knowing which states offer the best combination of qualities that matter most to parents and their kids.
If you find signs of fraud on your credit report – whether an unrecognized account, an erroneous public record or any other information that seemingly stems from identity theft – you will need to follow a special process to correct the situation. It’s called “suppression.” Most people either don’t know about suppression or confuse it with the standard dispute process, which you might use to correct common credit-report inaccuracies. But there are a number of crucial differences.
Smoking can not only ruin your health, it can also burn a nasty hole through your wallet. Tobacco use accounts for nearly half a million deaths in the U.S. each year and is the leading cause of lung cancer, according to the American Lung Association. Even those around tobacco smokers aren’t safe from its harmful effects. Since 1964, smoking-related illnesses have claimed 20 million lives in the U.S., 2.5 million of which belonged to nonsmokers who developed diseases merely from secondhand-smoke exposure.
However, the economic and societal costs of smoking-related issues are just as staggering. Every year, Americans collectively spend more than $300 billion, which includes “nearly $170 billion in direct medical care for adults” and “more than $156 billion in lost productivity due to premature death and exposure to secondhand smoke.” Unfortunately, some people will have to pay more depending on the state in which they live.
With the Federal Reserve raising interest rates from historical lows and the stock market regularly flirting with record highs, it’s fair to wonder what we should do with our cash. In the hope of answering that pressing question and providing strategic guidance to frugal consumers, WalletHub analyzed the rates, fees and features associated with more than 2,300 checking accounts, savings accounts, money market accounts and CDs from banks and credit unions of all shapes and sizes from across the country.
You can check out our findings below. Hopefully, the trends and tidbits that we unearth will help you make the smartest possible financial decisions moving forward.
For many Americans today, the Great Recession is nothing more than the distant shadow of a troubled economic past. After all, the longest downturn since the Great Depression officially ended in June 2009, and cities coast to coast have completely bounced back. Some have even surpassed their pre-recession economic levels, thanks to lucrative industries that helped them rebuild or stay afloat through the crisis.
Michigan might be known as the hub of the auto industry, but it’s a hub for raising kids, too. In fact, it’s among the states with high concentrations of two-parent families in a nation where this type of household arrangement has been declining.
But what makes the Great Lakes State such a magnet for parents and their children? Its nickname is a giveaway, for starters. No one in Michigan is ever “more than 6 miles from a lake or stream” — not to mention the countless other family-friendly attractions that encourage an active, outdoor lifestyle such as hundreds of campgrounds and more than 1,000 mountain-bike and bicycle trails — according to the state’s website.
STEM workers are in fierce demand and not just in the global epicenter of high tech known as Silicon Valley. According to estimates from the Bureau of Labor Statistics, STEM — science, technology, engineering and math — professions will expand 1.7 times faster than non-STEM occupations between 2010 and 2020. That should be welcome news to job seekers with skills in these areas, half of which do not even require a four-year college degree.
Given their growing demand, STEM careers today comprise some of the most lucrative employment, paying higher salaries and boasting far fewer threats of unemployment compared with non-STEM jobs. In fact, the annual average wage for all STEM positions collectively was $85,570 — 81 percent more than the national average of $47,230 for all jobs — according to the most recent figures from the Bureau of Labor Statistics.
In 1963, Dr. Martin Luther King, Jr., shared with the world his dream of a colorblind society — one that focuses on his children’s character, not on their complexion. America has certainly come closer to realizing Dr. King’s vision though segregation and discrimination persist.
There’s a reason why bodybuilding experts invented the concept of “cheat day”: Even the fittest of the fit and the strictest of dieters sometimes need to live a little.
But sometimes we live too much. The average person in the U.S. consumes more than 4,500 calories and 229 grams of fat on Thanksgiving Day alone. And as we struggle to forgive ourselves for that last holiday binge of 2016, grocery stores are already tempting us with Valentine’s Day sweets — and it’s only the first week of the new year. Finally, those who’ve ever traveled during the holidays also know how tough it can be to squeeze in an exercise routine, let alone some cardio.
Returns are a fact of retail life, especially after major celebrations and holidays. In fact, 35% of U.S. adults returned some of their holiday gifts last year, according to the National Retail Federation. But returning an item that you’ve purchased or received as a gift isn’t always so easy, as a variety of factors have the potential to turn this minor inconvenience into a waste of your precious time. For one thing, stores must rely on strict return policies to prevent fraud – returning a used or stolen item, for instance – which impacts roughly 3.5% of all returns.
So what is a consumer to do upon encountering difficulties when attempting a return? The answer might already be in your wallet, interestingly enough.