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‘I Actually Saved Money in 2020. What Should I Do With It Now?’

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Dear Charlotte,

I feel guilty saying this, but I actually saved a lot of money this past year. My job allowed me to work from home, so my income was the same. But because I was making all my own food, was not commuting, and didn’t do most of the normal stuff I spend money on, my savings added up a lot. (It also helped that I stopped paying my student loan bills when the government froze them.) I currently have about $20K saved up, and I’m trying to figure out what to do with it. I’ve never been good about saving money, and I didn’t really have an emergency fund until now. Should I keep it in cash, just in case? Or should I put it toward my student loans (about $25K)? I don’t even know where to start with investing it, if that’s a good idea. I’d like to do something responsible that will help me in the long-term, and I’m not sure what that is.

This is all good news, but I understand why you’re conflicted. It’s a weird time to have more money than ever before. You’ve probably heard the pandemic economy described as K-shaped: Roughly half of Americans are in dire financial straits (the bottom prong of the “K”), while many others are actually doing quite well (the top prong) for the reasons you described. Obviously, it’s preferable to be in your camp. But how do you make the most of this new financial wiggle room, especially when there’s still so much uncertainty?

To figure out your best path forward, I called Shannon McLay, a financial advisor and the CEO of the Financial Gym, a membership-based financial-services firm. “A lot of our clients are in the same position — they have a lot of savings from the past year, but they aren’t sure what to do with it,” she said. “The bigger question is, What are you saving for? You want to define those goals. If you’re just trying to save money generally, it’s hard to stay committed in the long-term.”

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Photo: Getty Images

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Click the link below for the article:

https://www.thecut.com/2021/01/i-actually-saved-money-in-2020-what-should-i-do-with-it.html

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Missed News 465

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NEWS NEWS
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Coronavirus Daily Briefing Mysterious giant black hole puzzles scientists
Could 2021 be the best year for a generation? Beyonce praying for new beginnings
Fashion designer Pierre Cardin buried in Paris Cities left behind in Covid aid look for lifeline in Biden era
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Colombia

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Colombia, officially the Republic of Colombia is a transcontinental country largely in the north of South America, with territories in North America. Colombia is bounded on the north by the Caribbean Sea, the northwest by Panama, the south by Ecuador and Peru, the east by Venezuela, the southeast by Brazil, and the west by the Pacific Ocean. It comprises 32 departments and the Capital District of Bogotá, the country’s largest city.

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The Lost History of Yellowstone

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“The big myth about Yellowstone is that it’s a pristine wilderness untouched by humanity,” says MacDonald. “Native Americans were hunting and gathering here for at least 11,000 years. They were pushed out by the government after the park was established. The Army was brought in to keep them out, and the public was told that Native Americans were never here in the first place because they were afraid of the geysers.”

MacDonald is slim, clean-cut, in his early 50s. Originally from central Maine, he is a professor of anthropology at the University of Montana and the author of a recent book, Before Yellowstone: Native American Archaeology in the National Park. Drawing on his own extensive discoveries in the field, the work of previous archaeologists, the historical record and Native American oral traditions, MacDonald provides an essential account of Yellowstone’s human past. Tobin Roop, chief of cultural resources at Yellowstone, says, “As an archaeologist, working in partnership with the park, MacDonald has really opened up our understanding of the nuances and complexities of the prehistory.”

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Bison in YellowstoneHunted nearly to extinction by white hunters, bison numbered only about two dozen inside Yellowstone in 1902. Today the herd consists of about 4,800. (Andrew Geiger)

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Click the link below for the article:

https://www.smithsonianmag.com/history/lost-history-yellowstone-180976518/

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Missed News 464

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News You might have missed!

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NEWS TED TALKS +
Astronauts ring in new year with zero gravity ball drop How caffeine and alcohol affect your sleep | Sleeping with Science, a TED series
50 oldest things in the world How we can use the hiring process to bring out the best in people | The Way We Work, a TED series
45 amazing places you never knew existed How your unique story can get you hired | The Way We Work, a TED series
US news star Larry King hospitalized with Covid-19: report How to lead in a crisis | The Way We Work, a TED series
The US vice presidents who certified their own poll losses The secret to being a successful freelancer | The Way We Work, a TED series
From covfefe to the Mooch: 10 funny moments from the Trump presidency Watch “Why Did We Fight A War Over the Mail? | The Daily Social Distancing Show” on YouTube
Who has Trump pardoned? A full list The legacy of matriarchs in the Yukon First Nations | Kluane Adamek
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Bentong Malaysia

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Bentong is a municipality located in western Pahang, Malaysia. The Bentong Municipal Council was established with the Power of Government Gov. bil.147 / 5/5/1995. It is the gateway to the East Coast States by road and bordering Selangor State on the west and Negri Sembilan in the south.

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An image from Bentong Malaysia

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The Nine Habits to Increase Your Energy

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Energy, not time, is the basis for productivity. Having all the hours in the day won’t help you if you’re exhausted for most of it.

Your habits define your energy levels. If you have good habits, you’ll feel energized and be more resilient to burn out, both physically and mentally. If your habits are misaligned, you can get into a cycle where you feel worse and worse, until it’s a struggle just to keep up.

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Hmmmm…

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Click the link below for the article:

https://getpocket.com/explore/item/the-nine-habits-to-increase-your-energy

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9 Helpful Cooking Tips Straight from Food Scientists

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If you’re looking for someone who knows a thing or two about cooking, talk to a food scientist. They study the physics and chemistry behind how ingredients interact with each other — all in the service of making the perfect birthday cake or whipping just enough air into a meringue. They look at food from a different perspective and question every step of the process — which is why we love turning to them for cooking advice.

Below are nine helpful cooking tips straight from certified food scientists, writers, and passionate food nerds. Some of them come from classic food-science literature (like Harold McGee’s mind-blowing On Food and Cooking). Others are from food sites run by certified food scientists like Jessica Gavin. Keep these tips in mind when you’re in the kitchen and you’ll be cooking better in no time.

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k_Photo_Recipes_2019-09-how-to-shrimp-alfredo_HT-Shrimp-Alfredo_095.jpg

Photo by Joe Lingeman/Kitchn; Food Stylist: CC Buckley/Kitchn

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Click the link below for the article:

https://getpocket.com/explore/item/9-nerdy-but-brilliant-cooking-tips-straight-from-food-scientists

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Inside the C.I.A., She Became a Spy for Planet Earth

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Linda Zall played a starring role in American science that led to decades of major advances. But she never described her breakthroughs on television, or had books written about her, or received high scientific honors. One database of scientific publications lists her contributions as consisting of just three papers, with a conspicuous gap running from 1980 to 2020.

The reason is that Dr. Zall’s decades of service to science were done in the secretive warrens of the Central Intelligence Agency.

Now, at 70, she’s telling her story — at least the parts she’s allowed to talk about — and admirers are praising her highly classified struggle to put the nation’s spy satellites onto a radical new job: environmental sleuthing.

“It was fun,” she said of her C.I.A. career. “It was really a lot of fun.”

Dr. Zall’s program, established in 1992, was a kind of wayback machine that looked to as long ago as 1960. In so doing, it provided a new baseline for assessing the pace and scope of planetary change. Ultimately, it led to hundreds of papers, studies, and reports — some classified top secret, some public, some by the National Academy of Sciences, the premier scientific advisory group to the federal government. The accumulated riches included up to six decades of prime data on planetary shifts in snowfall and blizzards, sea ice, and glaciers.

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Linda Zall was instrumental in harnessing the power of spy satellites to observe a wide range of environmental ills and change on the Earth&rsquo;s surface.Credit…Eve Edelheit for The New York Times

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Click the link below for the article:

https://www.nytimes.com

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Mellieha Malta

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Mellieħa is a large village or small town in the Northern Region of Malta. It has a population of 10,087 as of March 2014. Mellieħa is also a tourist resort, popular for its sandy beaches and natural environment.

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An image from Mellieha Malta

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