Medical Emergencies Come First Dear Dave,I recently experienced a medical emergency and unexpected hospital stay. I’m about halfway through Baby Step 2, and I’m paying off my debts using the debt snowball system. I have good insurance, but should I put Baby Step 2 on hold for now due to all the hospital bills?Gerard Dear Gerard,That’s exactly what you should do. I’m sorry to hear about your health issues, but at the same time, I hope you’ll make sure you’re only pressing the pause button on Baby Step 2. I’m talking about temporarily stopping the debt snowball and making only minimum payments on all…
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Ken Griffin, founder of hedge‑fund giant Citadel LLC, told Stanford business students that career growth hinges on surrounding oneself with sharper minds, not basking as “the smartest person in the room.” What Happened: In a “View From the Top” interview posted this week, Griffin recalled college days cold‑calling Bear Stearns traders for tips on convertible bonds and said that habit still guides him. “If you’re the smartest person in the room, you have so screwed up your Stanford MBA,” he warned, adding, “You don’t want to be the smartest person in the room.” Griffin praised Citadel’s brain trust, noting a Europe‑based employee who…
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When it comes to enhancing your outdoor space, natural stone paving is a top choice for homeowners across the UK. But with so many beautiful options available, how do you decide which stone is best for your garden or patio project? Two of the most popular choices, limestone and sandstone, each offer unique advantages. Understanding the key differences between them can help you make the right decision for your lifestyle, design goals, and environment. More than just curb appeal, your garden can become a space for mindfulness, reflection, and wellbeing. The right materials underfoot can help set the tone…
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MIAMI, Florida — On one end of the paddock at Hard Rock Stadium Mercedes was celebrating Kimi Antonelli’s first pole position in Formula 1, as the young driver captured P1 for Saturday’s F1 Sprint race at the Miami Grand Prix. On the other end of the paddock, the driver whose seat Antonelli filled at the start of the 2025 season was looking for answers yet again, and struggling to find them. “It was a better session. P1 was probably a bit better, the car was a bit better, the car was a bit nicer to drive. We are just lacking…
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The Environmental Protection Agency’s science wing, the Office of Research and Development, faces major changes under the Trump administration. The office does research to understand how environmental contaminants affect human health. Its work feeds into regulations like the Clean Air Act. Mark Schiefelbein/AP hide caption toggle caption Mark Schiefelbein/AP The Trump administration announced plans for a significant reorganization of the Environmental Protection Agency on Friday, and signaled major cuts in staffing to come – especially for the agency’s scientific research arm. EPA administrator Lee Zeldin said the EPA expects to cut staff to levels similar to the 1980s, when President…
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Key Takeaways Understanding Vaccine Requirements: Knowing Illinois’ vaccine mandates is essential for parents, students, and businesses to navigate compliance and public health effectively. Routine Immunizations for Children: Illinois mandates key vaccinations for school-age children, including DTaP, Measles, Varicella, and Hepatitis B, impacting workplace health for those interacting with kids. Exemptions: Medical and religious exemptions exist for vaccine requirements, allowing for documented exceptions that can also influence hiring strategies. Impact on Public Health: High vaccination rates contribute to community immunity, reducing disease outbreaks and fostering a healthier workforce, which in turn boosts employee satisfaction and retention. Current Legislative Changes: Staying informed…
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The government has many sources of income, but if we were to classify them, they can be broadly divided into tax revenue and non tax revenue. While tax revenue makes up the lion’s share of the government’s income, non-tax revenue also plays a crucial role in the country’s development. Let’s understand what constitutes non-tax revenue, how it’s generated, and why it’s important. What is Non-Tax Revenue? Non-tax revenue is an umbrella term for all of the government’s sources of income that are not related to taxes. This includes fees, fines, royalties, sales, interest, dividends, and more. These sources supplement tax…
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Houston Rockets guard Fred VanVleet (5) is hugged by center Alperen Sengun after the team’s victory over the Golden State Warriors in Game 6 of an NBA basketball first-round playoff series Friday, May 2, 2025, in San Francisco. (AP Photo/Godofredo A. Vásquez) SAN FRANCISCO — Fred VanVleet had 29 points, eight assists and eight rebounds, Alperen Sengun contributed 21 points and 14 rebounds, and the Houston Rockets kept their season alive by beating the Golden State Warriors 115-107 on Friday night and forcing a deciding Game 7 in their first-round playoff series. Golden State went cold when it mattered most:…
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Aspiring homeowners need to earn at least $114,000 per year to buy a home listed at the national median price of $431,250, according to a study released on Thursday by Realtor.com. That income estimate assumes a 20% down payment, a 30-year fixed mortgage, and adherence to the 30% rule, which advises that homeowners spend a maximum of 30% of their gross income on housing. An income of $114,000 means that homeowners would earn about $9,500 per month before taxes — enough to pay the mortgage, property taxes, and insurance on their home. However, most American households make less than $114,000.…
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Reason #1 Uncertain How to Become Rich In my five-year Rich Habits Study/Research, I learned a something profound – There are 4 very specific paths to accumulating wealth: Saver/Investor Path – Save 20% or more of your income and consistently/prudently invest those savings. Big Company Climber Path – Working for a big company and climbing the ladder until you reach the upper echelons of senior executive. Virtuoso Path – Devoting an enormous amount of time and often money to becoming either a Knowledge-based Virtuoso or a Skill-based Virtuoso. Dreamer/Entrepreneur Path – Pursuing some dream that can be monetized. Reason #2 Too…