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Cannabis agency unlawfully denied applications for social equity licenses, lawsuit allegesThe target reader is women, because they have often been socialized not to talk about money and grew up without the information, leading to feelings of uncertainty and discomfort when managing their finances. (Source: Aja Evans) Research suggests that people form their money beliefs between the ages of 7 and 9, and these beliefs can carry through to adulthood, influencing their financial decisions and behaviors. (Source: Aja Evans) Recognizing and understanding our emotions and past experiences can help us identify patterns and behaviors that may be hindering our financial progress, and make changes to improve our financial well-being. For example, understanding the root of our spending habits, such as using the HALT acronym (Hungry, Angry, Lonely, Tired), can help us make more mindful financial decisions. (Source: Aja Evans) Our self-worth can become tied to our net worth, leading to feelings of inadequacy or low self-esteem if we're not earning or saving enough. However, by recognizing that our worth and value come from within, regardless of our financial situation, we can begin to separate our net worth from our self-worth and develop a healthier relationship with money. (Source: Aja Evans) Understanding and taking control of their finances is essential for women to have options and power in their lives, allowing them to save, invest, and make a positive impact in the world. (Source: Aja Evans) Untwisting your relationship with money can take years of therapy. For me, overhearing tense financial conversations between my mom and dad when I was a kid triggered me to throw up a wall when my husband would initiate money talks, or I simply avoided them. I’m a work in progress, but recognizing the source of my angst has made all the difference. Aja Evans, a board-certified therapist specializing in financial therapy, knows all about that dance. Her mission: to help people dig inward to understand the roots of how their finances spark their emotions, learn to change that behavior, and manage their money with poise and tenacity. In her new book, “ Feel Good Finance: Untangle Your Relationship with Money for Better Mental, Emotional, and Financial Well-Being ,” Evans deftly explores how our thoughts, feelings, and behaviors directly affect the way we manage our finances. Here's what Evans had to say about how recognizing the psychological power of money in our lives can set us up for financial success in a conversation with Yahoo Finance’s Kerry Hannon. Edited excerpts: Kerry Hannon: Who is this book for? Aja Evans: My target reader is women because a lot of times they’ve been socialized not to talk about money and grew up without the information. They’re living their lives and going to work every day and feeling weird about their money and not understanding why they don't know how to invest in the way they think that they should, or why it's hard sometimes to keep on top of their budget. Read more: How to budget: Your complete guide to budgeting for 2024 One nugget that came out early in the book is how we deal with money forms between the ages of 7 and 9. Can you elaborate? Research suggests that’s the age range when people are really forming their money beliefs. What you believe about money and how it makes you feel, you pick up from people around you as you grow up. It could be your parents, different family members, school friends. That's when you're starting to formulate the foundation of your money beliefs that then can potentially carry you through adulthood. You give an example of a woman who was a hoarder of her savings and fearful of even buying a car for herself. What was that all about? Her household growing up was unstable, and holding onto her money gave her security and made it difficult to spend the money when she really did need something. How did you help her recognize it and make changes? We worked on realizing that she can spend this money and still be stable. She didn’t have to blow her whole savings. Being able to afford to buy the car is about stability as well. It was shifting her perspective on what stability can look like. Yes, you have the money. You have enough money for your emergency fund, but you also have enough money to buy the car too. And that will also make sure that you're safe, that you're stable, that you can get to work. You pose reflection questions to help us explore our feelings about money. What are a few that you consider particularly important and why? One is what's your earliest money memory? These core memories that you hold can help you uncover how those impact you today. I ask: Are they hindering you in any way? Or do you feel like they are driving you forward? Are they still values that hold true, or are they some things that may be hindering you because you could do different things with your money, or grow your money in a different way, but it feels frightening? People get so worked up that they don't do it at all. They think: ‘I'm overwhelmed. I'm so anxious, I'm going to walk away. I'm not going to do it.’ I also ask: What do you need to feel more confident with your money? Is that a community to have more conversations about it? Is it feeling like you can trust people to have those conversations? Is it personal finance education to start feeling like you know what you’re talking about? For a lot of women, knowing what they're talking about is important to be comfortable taking on the risk of investing, or even making a budget. Read more: How to start investing: A step-by-step guide How can our emotions impact our spending? Many times people don't realize that they are trying to cope with how they feel about themselves, or wanting other people to see them in a certain way. I use the acronym HALT. Are you hungry, angry, lonely, or tired? That can allow you to see if you are trying to cope with something that you’re going through internally or emotionally by spending money. Are you buying things because you’re really angry at somebody, or because you're lonely right now and looking for that quick dopamine hit? You write about the mash-up of net worth and self-worth. Can you explain? This comes up so frequently with my clients — especially since my practice is based in New York City. It's a very competitive city and what ends up happening is people are seeking the external validation of their salaries and their titles that tell them that they’re valuable. I flip that and work with people to realize that you're valuable no matter what you're making. You're valuable no matter what your net worth is, and that you can have good self-esteem and be a worthy human no matter what your net worth is. I have an example in the book of a woman who was offered a job she really wanted to take, but it was a huge pay cut from her previous job. She wrestled with that, and we worked on the emotional and psychological aspects of her decision. She ultimately took the job, and she learned to shift her spending. She began finding value in herself when she wasn't hiding behind what she was able to buy. Have a question about retirement? Personal finances? Anything career-related? Click here to drop Kerry Hannon a note. How does understanding ourselves help us with our relationship to money? People struggle with shame and guilt around money. Those are the top two feelings that I talk about with my clients when it comes to money, and they’re dealing with it in isolation, white knuckling it through, especially if they are struggling financially or made some financial mistakes. The work is to start understanding where that negative talk is coming from. You can't get there unless you understand what your own motivations are, what you value and what your money beliefs are. Anything you would like to add? It’s imperative that women are in a position to know what's going on with their finances. That is all about options. I want you to save. I want your retirement to look good so that you can ride off into the sunset and have a beautiful life. But I also want you to be able to invest in people, communities, charities, companies that you really want to see make a difference in the world. And we cannot do that if we don't have the money because money is power. Kerry Hannon is a Senior Columnist at Yahoo Finance. She is a career and retirement strategist, and the author of 14 books, including " In Control at 50+: How to Succeed in The New World of Work" and "Never Too Old To Get Rich." Follow her on X @kerryhannon . Click here for the latest personal finance news to help you with investing, paying off debt, buying a home, retirement, and more Read the latest financial and business news from Yahoo Finance
No. 22 St. John's, Georgia pack busy schedule with game on SundayThat emergency trip to the hospital is about to cost more — an average $646 more to be exact. The Albany City Council this week unanimously approved an over-30% increase for the base rate of an ambulance ride and first 3 miles of transport. That means an emergency trip will go from $1,650 to $2,296. The city of Albany will charge more for ambulance service starting Jan. 1, after the City Council approved rate increases on Wednesday. The change was prompted by service growth and inflation, according to Albany fire Chief Chris LaBelle. The Fire Department has seen rising costs for equipment, medication and personnel, he said. Inflation has been 25.7% since 2019, when costs were last adjusted, according to the staff memo as part of the Wednesday, Nov. 20 council packet. “The ambulance service base rate and some associated fees were last increased in January 2019 . Since that time, the Fire Department’s call volume has gone up 15%,” the staff report reads. By Jan. 1, four rates will increase with the base rate set at $2,296; patients on Medicare or Medicaid will pay $455 of that cost. “Last fiscal year the Fire Department invoiced over $11.1 million for ambulance service and wrote off more than $6.8 million, primarily due to the high volume of Medicare and Medicaid patients,” according to the staff report. Other rate increases will be seen in the mileage which has increased from $20 to $32. Aid calls will increase from $630 to $750. A new fee was also added, called wall time, billed to facilities not patients. The wall time accounts for extended wait times when transferring patients to a hospital or ER facility. More Albany news Shayla Escudero graduated University of Southern California with a Master of Science in Journalism. She covers Albany city hall and Linn County. She is passionate about telling people forward stories and shining a light on injustices. She can be reached at Shayla.Escudero@lee.net Stay up-to-date on the latest in local and national government and political topics with our newsletter. Reporter {{description}} Email notifications are only sent once a day, and only if there are new matching items.Climate summits are notorious for running into overtime and into the weekend and COP29 is no exception. We have a deal of sorts, but more iterations are expected during the weekend. COP29 was always going to be about money. The main priority at COP29 is agreeing on a new target to replace the current US$100bn a year that developed countries provide to developing countries to reduce emissions and adapt to disasters, that expires in 2025. The key elements of the deal circulated on Friday afternoon by the COP Presidency are: The latter refers to China, rich Arab countries and others to make appropriate voluntary contributions. In fact, China already billions of dollars climate funds to developing countries. Poorer countries are very disappointed with this offer because they expected most of the $1.3tn to be from public sources and to be offered with no strings attached. But leaving COP29 without a finance deal could make the job at COP30 in Brazil next year that much harder. Delegations will now assess this deal as the talks go into overtime. It is very likely that there will be at least version before the deal is finalized this weekend, but it is unlikely that it will contain major changes. One of the documents released by the COP29 presidency, as part of the final deal, is entitled “Taking forward the outcomes of the global stocktake.” It starts by reaffirming the outcomes of the first global stocktake at COP28 and it notes the work conducted under the UAE just transition work programme in 2024 and emphasizes the importance of its implementation. What is known as the ‘UAE Consensus’, refers to “transitioning away from all fossil fuels in energy systems. This is the closest COP29 came to tackling fossil fuels. Though it is only an indirect reference, it nevertheless keeps the subject alive. Another deal reached at COP29 on international carbon standards, opened the way to set up UN-backed carbon markets, as set out in Article 6 of the Paris Agreement, that promise to generate billions of dollars for climate action. There are two main mechanisms for such trading to take place. Under Article 6.2 countries can set up carbon trading arrangements bilaterally, and Article 6.4 outlines a system where trading would happen through a UN-backed carbon market, open also to business. Under Article 6 of the Paris Agreement, countries can transfer carbon credits earned from reducing their GHG emissions to help other countries meet their climate goals. The UNFCCC insists that it is the only legitimate body to decide on climate and agree on the climate finance goal. But in reality it is the G20 that can decide how that goal is reached. The G20is where major economies make the decisions, and the UN is where all countries have a say. But now we have another dimension. The election of Donald Trump to the US Presidency and his threat to pull the US out of the Paris Agreement, threatens to derail the outcome of COP29. It could prove to be “a major blow to global climate action.” It has already introduced a great deal of uncertainty at a time when it is urgent to arrive at decisions on lowering emissions and tackling global warming. Little progress has been made in limiting emissions of greenhouse gases that are driving up temperatures. A recent UN report said global efforts to tackle climate change are seriously off track. New data shows that warming gases are accumulating in the atmosphere faster than at any time in human existence. It is now more or less certain that 2024 will be the world’s warmest on record. Global average temperatures across the year are on track to end up more than 1.5C above pre-industrial levels, which would make 2024 the first calendar year to breach this “symbolic mark.” This latest record helped focus minds at COP29 on the urgent need for action to limit any further warming. A recent UN report warned that, without change, “the world is on track to reach 3C warming by the end of the century.” The UN says that limiting temperature rise to the 1.5C target is still “technically possible”, but only with huge cuts to emissions over the next decade, something that is verging on the impossible. These are the initial indications. There are signs that China plans to take a more central role in the future. It is becoming more open about its plans and more participative in the COP process and may take a more active and cooperative role in future COPs. For the first time, Chinese officials said at COP29 that the country has paid developing countries more than $24.5bn for climate action since 2016. With demand for green technology likely to increase in developing countries as a result of the COP29 deal, China -being a major exporter of such technology- will have much to gain. Taking a more prominent role is in its interest and can only help. Despite accusations that this was “one of the most chaotic COP meetings ever,” it has ended with a deal. It may not be quite what developing countries were hoping for, but it has, nevertheless, delivered funds to tackle climate change. The world needs to find ways to reduce emissions in constructive way and in a consistent approach. But this needs to do that “while we are balancing the needs of people around the world to have affordable energy.”
Bill Maher will always have a blind spot when it comes to Donald Trump because of his rampant TDS, but with many other political issues, he is recently sounding a lot saner than most liberals on television. After the presidential election, he was frank about why Democrats lost so 'bigly' and warned that they would keep losing if they didn't stop with their intellectual incest. Advertisement Maher also has accurately described many on the left as snobs which is why no one likes them, and accused Democrats of being so left-wing, they fly in circles. Last night, Maher aired the season finale of his HBO show Real Time, and one of his guests—professional thief of joy Neil deGrasse Tyson—provided a perfect illustration of the left's negative attributes. The two were discussing the topics of men in women's sports and the disgraced magazine Scientific American when Maher DROPPED Tyson for refusing to acknowledge the problems related to either one. Watch: Neil deGrasse Tyson Embarrasses Himself as Bill Maher Exposes Disgraceful Scientific American Article "Well, I'm gonna file you under part of the problem." The article claimed that the "inequity" between male and female athletes isn't because of natural biological differences... pic.twitter.com/DqDrul4DT1 — The Vigilant Fox 🦊 (@VigilantFox) November 23, 2024 'Part of the problem.' That describes Tyson perfectly. Good for Maher for not letting Tyson derail the conversation by claiming that 'just one editor' is saying these things. Tyson knows that is not true, and Maher knows he knows it. And it was yet another in a long string of embarrassing moments for Tyson who has shown that he is not capable of having an honest discussion with anyone who disagrees with him. Whoever his agent is should drop him first. The extent to which @neiltyson is a buffoon is immeasurable and even @billmaher is starting to realize it. Ok, I'm really going to bed now!... Grateful CalvinChelakkara victory a proof of people’s rejection of false propaganda against LDF govt., says Alathur MP Radhakrishnan
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